(Not protected by PIDM)

iGain is a transactional investment account whereby customer can still opt for the banking facilities such as Mobile Banking, Debit Card, Standing Instruction and etc.

Benefits & Features


  • Debit Card facility
  • Internet Banking
  • Mobile Banking
  • Salary crediting & sweeping facility
  • Standing Instruction facility for payment of bills and others

Electronic Banking Facilities

  • Cash withdrawal
  • Fund transfer
  • Statement request
  • Bills payment
  • Zakat payment
  • Tabung Haji transaction



Mudarabah” means a form of contract between the capital provider (rabbul mal) and an entrepreneur (mudarib) under which the rabbul mal provides capital to be managed by the mudarib and any profit generated from the capital is shared between the rabbul mal and mudarib based on a mutually agreed profit sharing ratio whilst financial losses are borne by the rabbul mal provided that such losses are not due to the mudarib’s misconduct, negligence, or breach of specific terms.

Eligibility & Requirements

Minimum Placement Amount


RM1000 (Individual)

RM2000 (Non-Individual)


Minimum Balance

RM1000 (Individual and Joint-Individual)

RM2000 (Non-Individual)


Age Requirement

18 years and above


Types of Account

  • Individual
  • Joint
  • Non-Individual

Fees & Charges

Click here to download List of Fees & Charges

T&C and PDS

Click here to download Terms & Conditions effective on 1 August 2019

Click here to download Product Disclosure Sheet effective 1 August 2019


Campaign name

iGain SME Campaign V2


SMEs that fulfils the eligibility criteria mention in the campaign Terms & Conditions



Eligible Customer is required to make placement from Fresh Funds into iGain SME and maintain at least RM2,000 in iGain SME within the Campaign Period to earn a higher Profit Sharing Ratio (PSR) and potentially enjoy a special indicative rate as below during Campaign Period

Balance Range (RM)

Profit Sharing Ratio (Bank: Customer)

Indicative Rate (% p.a)

2,000 – 49,999.99 95.90 : 4.10 0.25
50,000 – 199,999.99 70.49 : 29.51 1.80
200,000 and above 67.21 :32.79 2.00

Terms & Conditions

SME Financing


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