Profits are shared on a predetermined profit sharing ratio that is agreed between the depositors and bank while losses are shared equally between all the participated parties. A Shariah-compliant way to invest your money. An Islamic Term Deposit with pre-determined profit rate. Best Islamic Fixed Deposits in Malaysia 2021 Predetermined profit sharing and Murabahah (cost+sale) may allow you to enjoy the benefit of investing in a fixed deposit account without compromise. ... Maybank Fixed Deposit is open to anyone aged 18 or over. What is Term Deposit-i (TD-i)? Investing in your golden years, the Islamic way. Standard Chartered Bank may be launching a new credit card soon, and it may be called the Standard…. Promotions | Maybank Malaysia. Online Security. Since July 2010, fixed deposit rate does not change very much because Bank Negara maintain the OPR at 2.75% since then. In Conventional Banking, a Fixed Deposit (FD) is a special type of savings account that pays a certain amount of interest for a specific sum of money invested over a predetermined period of time. We provide monthly updates on the best fixed deposit rates in Malaysia with tables showing the top 5 rates for the duration of 1, 3, 6, 9, and 12 months. If you think it isn’t such a big deal to miss a few loan repayments, think again. The table below are the latest conventional fixed deposit rate as of December 2010. Grow your returns this Merdeka with minimum deposit of RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a single certificate. After this, we select a term between 1 to 60 months. As such, Islamic banks declare their profits on a monthly basis as part of their risk sharing scheme. What do I need to know about Maybank Islamic Fixed Deposit-i? Suffice to say, if a holder chooses to withdraw his/her money before the lapse of his/her FD tenure (maturity date), then the holder will effectively forfeit any potential interest payments. Higher profit rates than a normal Islamic savings account. Refer your friends to apply for Maybank Credit Cards and CreditAble to be rewarded with S$50 Cash Credits . Discontinuation of certificate issuance for Conventional Fixed Deposit placement for retail customers. The PSR, as the name suggests, is the pre-agreed ratio of profit Singapore Dollar Term Deposit-iProtect and grow your asset. Unlike Conventional Banks, an Islamic Bank acts as an intermediary between the depositor and the entrepreneur. RM250,000 / RM1,000,000 (PSR). is virtually identical with that of a conventional Fixed Deposit with FINANCING SME Fixed Deposit Extra / -i. What if you decided to do away with your bank account completely? Islamic Fixed Deposit-i: 1 month: RM5,000: Maturity : 2 - 12 months: RM1,000: Maturity : 13 - 60 months: RM1,000: 6 months: Interest / Profit: Add to principal or credit to account Instruction on maturity: Auto-renewal or credit to account or banker's cheque Profits paid either monthly, half yearly or upon maturity. 4. So, if you are willing to open Maybank eFD, then you just login to Maybank2u.com. This means that depositor’s profit/loss will vary from month to month directly depending on how the bank performs. ... AmBank Conventional Fixed Deposit Interest Rate 1.7% p.a. Profit of pre-determined rate of interest. This promotion is applicable for Conventional Fixed Deposit (FD) or Islamic Fixed Deposit (IFD-i) or General Investment Account-i (GIA-i) with 6 months tenure. © 2021 Malayan Banking Berhad (Co.Reg.No. So for example, if you placed the :196001000142) Maybank Islamic Berhad (Co. Reg. Operates based on Country’s banking laws and financial practices. Minimum deposit of S$1,000 (from 2 months onwards) Placement periods from 1 to 36 months . Well, as you might expect, this fixed deposit (FD) account is based on the Islamic principle of Mudharabah - a profit-sharing concept with a predetermined profit rate. Learn the Islamic Banking basics and get ready for World Domination. An Islamic term deposit based on the contract of Commodity Murabahah. Click on Accounts & Banking and you will see Fixed Deposits. No: 200701029411). Check out the fixed deposit rate offered by Maybank Islamic for various months of placement. Rates show are per annum. The campaign period is valid from 1 March 2019 to 15 March 2019 or upon reaching the campaign limit, whichever is earlier. This means that if for example, a conventional bank agreed to pay you 3% in interest for a sum of money over a certain period of time, then the bank is obligated to pay you the interest at the end of the tenure (even if the bank makes a total loss on its investments!). Though it should be noted that Banks have been known to offer tenure periods that are longer than the aforementioned 12 months. Best viewed on the latest versions of Chrome, Firefox, Edge, Safari. Singapore Dollar Term Deposit-i is based on the Shariah principle of Murabaha, involving sale of commodities at marked-up price between Maybank and you.Profits are determined upfront and will be paid … Term Deposit-i is an Islamic fixed term deposit based on the Islamic financial principle of ‘Murabaha’ and involves customer purchasing an approved Shariah-compliant commodity and selling the commodity to the bank at a marked-up price. COUPON (4 days ago) This promotion is applicable for Conventional Fixed Deposit (FD) or Islamic Fixed Deposit (IFD-i) or General Investment Account-i (GIA-i) with 6 months tenure. Islamic Fixed Deposit - i (IFD-i) is an Islamic term deposit based on the Shariah contract of Commodity Murabahah (cost-plus sale). Then, click on Make an eFixed Deposit placement . Effective 7 December 2019, Maybank will no longer be issuing certificates for new Conventional Fixed Deposit placements made over-the-counter (OTC) by retail individual customers. Maximizes profit without any restriction. Profit based on agreed profit sharing ratio. With effect from 1 January 2019 (“Effective Date”), the new premature withdrawal rule for all existing, renewed and new placements of Conventional Fixed Deposit are as follows :-Immediate Fixed Deposit Premature Withdrawal (Without 31 days’ Notice Period) The implementation of Certless placements will provide greater convenience for customers as presentation of placement slips for the upliftment of the Islamic Fixed Deposit-i will no longer be required from that date. Should your bank fail, PIDM insures you against the loss of your deposits for a maximum of RM250,000 per depositor per bank. While this may be the case, it is probably very unlikely for a bank to under perform and for you to actually make a loss on your deposit. Islamic Term Deposits based on the Shariah concept of Commodity Murabahah (cost-plus-sale) where a specific asset as deemed fit by the Bank is identified and used as the underlying asset for the sale and purchase transaction between Bank and Customer. What's more, when you make a premature withdrawal of your fixed deposit before maturity date, you will no longer receive any profit payments, effective from January 2019. Hence, as a rule of thumb, a FD investment should only be chosen by people who have the financial stability to tuck away their money for a certain period of time. In Islamic Banking, the equivalent of the Fixed Deposit (FD) is known as the General Investment Account. a long tenure period means a higher interest rate. You may look at this page for the most up to date rates. Minimum Investable Assets / Total Financial Assets. Next, you can select eFixed Deposit type (Maybank Conventional Fixed Deposit or Maybank GIA Mudharabah or Murabahah Deposit Account MDA-i). Maybank Islamic Berhad has launched the new Islamic Corporate Card, the first in the market with a feature…. An Islamic Term Deposit with pre-determined profit rate, RM1,000 (for 2 months and above) to RM5,000 (for 1 month)RM500 (for in-trust and minor for any tenure). An Islamic Term Deposit with pre-determined profit rate. However, we can also deep-dive into the differences between conventional fixed deposit accounts and Islamic general investment accounts as pointed out below. conventional banks receive profit from their investments in the form of Discontinuation of certificate issuance for Islamic Fixed Deposit-i placement for retail customers. Though unlike the generic savings account, a Fixed Deposit pays a significantly higher interest rate, thus allowing account holders the opportunity to earn more interest revenue. Maybank offer up to 4.70% p.a Fixed Deposit Rate. Recently, I realize "Islamic Fixed Deposit" does offer better rate, where it seems that I can do it online directly Visit a Maybank or Maybank Islamic branch near you with your primary documents. The campaign period is valid from 1 March 2019 to 15 March 2019 or upon reaching the campaign limit, whichever is earlier. Conventional Calculator Interest Rate Fees Requirements Review. However, an acknowledgement slip will be provided to customers as evidence of the placement made. Maybank Privilege, Maybank Private, and Maybank Premier customers can get the benefits of Chinese New Year FD Campaign when the minimum sum is placed in a Conventional Fixed Deposit account. Compare Islamic Term Deposits, study the fine print, find the investment product that matches your principles. As otherwise explained, the rates have a direct correlation with tenure period, i.e. A service that provides you with the convenience to switch from Conventional Accounts to Islamic Accounts or Mudarabah Investment Accounts, Hassle free switch to Islamic account via Maybank2u. Free Personal Accident Takaful Coverage plus medical and funeral expenses (accident only)*, Acceptance as collateral for Banking facilities*, Associations/Clubs/Societies/Organizations, Valid Passports for Foreigners and other documentary evidence required by authority according to the purpose of visit/stay in Malaysia. deposit under a  6-month tenure, there could be as many as 6 different profit rates So, what’s the difference between interest earned from Fixed Deposit and Hibah earned from General Investment Account? All Fixed Deposit Accounts are protected by PIDM up to RM250,000 for … 1. However, in order to benefit from the higher interest rate, holders are required to commit their money for a predetermined specific tenure of time also known as the FD tenure. Operates based on Shariah, the Islamic principle. Effective 7 December 2019, Maybank Islamic Berhad will no longer be issuing certificates for new placements made over-the-counter (OTC) by retail individual customers. VOUCHER (6 days ago) IFD-i / FD Golden Campaign This promotion is open to new & existing Maybank customers aged 50 and above (based on year of birth) and is applicable for Islamic Fixed Deposit (IFD-i) and Conventional Fixed Deposit (FD) with 9 months tenure with minimum deposit … Click here for Terms and Conditions on Premature Withdrawal, Click here to view sample 31 days' prior written notice. Among the highest time deposit interest rates in Singapore . Find out if you’d be better off without essential banking services. Now that you know all about fixed deposits, you can browse the iMoney comparison pages for the best conventional fixed deposits and Islamic fixed deposits. Best viewed on the latest versions of Chrome, Firefox, Edge, Safari. A Maybank Privilege customer can get a promotional rate of 4.00% p.a. The Difference Between Islamic and Conventional Fixed Deposits, Maybank Islamic Launches First Islamic Corporate Card With Charity Feature, Everything Banks Can (Legally!) Deposit now for greater return on your 3+3+3 months Fixed Deposit. Automatic renewal of your deposit placements upon maturity Term Deposit-i (TD-i) Frequently Asked Questions (FAQs) 1. sharing between depositors and the bank. Shariah Advisory Council, Bank Negara Malaysia. Compare our variety of Fixed Deposits and find the one that suits your requirements. Along with high interest rates, our Fixed Deposit Accounts are also designed with options that offer flexible tenures. Do You Think It’s a Good Idea to Go Completely Bankless? A General Investment Account follows the laws and principles of Islamic Shariah as set by the Qur’an whereas the aforementioned conventional Fixed Deposit (FD) instead operates on banking laws and financial practices as set by the country of origin. Terms and Conditions on Fixed Deposit (FD) Premature Withdrawal. A General Investment Account follows the laws and principles of Islamic Shariah as set by the Qur’an whereas the aforementioned conventional Fixed Deposit (FD) instead operates on banking laws and financial practices as set by the country of origin. CODES (5 days ago) This promotion is applicable for Conventional Fixed Deposit (FD) or Islamic Fixed Deposit (IFD-i) or General Investment Account-i (GIA-i) with 6 months tenure. For that very reason, a conventional bank is allowed to maximize profits without any general restriction. Click for Product Disclosure Sheet (PDS) and Terms and Conditions. Well look no further because in this article, we’ll be exploring the differences between the two. Working capital financing of up to 200% against your Fixed Deposit/ Islamic Fixed Deposit-i as a collateral Find out how we've made M2U secure - and how you can keep your online banking experience worry free. FD Month: Rates ( % per annum ) 1 Month: 3.15: 2 Month-3 Month: 3.20: 4 Month-5 Month-6 Month: 3.25: 7 Month-8 Month-9 Month-10 Month-11 Month-12 Month: 3.40: 15 Month-18 Month- Do to You If You Don’t Pay Back Your Loans. Maximizes profit subject to Shariah principle restriction. MINIMUM DEPOSIT: RM1,000 (for 2 months and above) to RM5,000 (for 1 month) RM500 (for in-trust and minor for any tenure) 5. While the rest of the world suffered a credit crunch Islamic Banking boomed - Malaysia is the world centre of this new financial services industry. the exception of an extra column representing the profit sharing ratio Fixed Deposit Islamic Fixed Deposit-i. throughout the period with the final profit paid upon maturity. Islamic Fixed Deposits. Maybank Offers RM10 Discount On Sama-Sama Lokal Orders With Another RM10 Off Delivery, Bank Negara Continues To Maintain OPR At 1.75%, The Permai Stimulus Initiatives: What’s Actually New, And What’s Not, #SaveMoneyWithHann: A Personal Finance Q&A, #SaveMoneyWithHann: Saving Smart While Interest Rates (and OPR) Are Low, #SaveMoneyWithHann: Surviving Covid-19 & MCOs For SMEs. Resolution: The SAC, in its 9th meeting dated 25 February 1999, has resolved that conventional Fixed Deposit Certificate (excluding the amount of interest or riba) is a right or asset of the customer.Hence, it may be used as security for Islamic financing. The table above represents the interest rates of a Conventional Fixed Deposit Account. FD tenures offered by the bank can range from a period of one month to up to 5 years. MAYBANK ISLAMIC FIXED DEPOSIT RATES. Thus, unlike a generic savings account, a FD does not give users the liberty of withdrawing their money at any given time. Holders are required to lock in their money for a specific predetermined period of time, though instead of interest, General Investment Account holders instead earn Hibah (gift). The table above, which represents the rates of a General Investment Account, Singapore Dollar Term Deposit-i(For Non-Individuals) Protect and grow your asset. Thus any “Interest rates” that you might have seen on Islamic bank websites are actually reference rates based on the performance of the bank in previous periods. Fixed Deposit Islamic Fixed Deposit-i. Promotions | Maybank Malaysia. Receive an American Tourister Linex 66/24 Luggage TSA worth S$260 with Maybank Credit Cards and CreditAble . Singapore Dollar Term Deposit-i is based on the Shariah principle of Murabaha, involving sale of commodities at marked-up price between Maybank and you.Profits are determined upfront and will be paid one calendar day after cash placement or cheque clearance. Would love your thoughts, please comment. Unlike conventional loans, the depositor’s return is solely based on bank’s performance, which means the profit rate may vary. * Protected by PIDM up to RM250,000 for each depositor. Fixed Deposit accounts used to be an attractive alternative to Savings Account with their low interest rates. You can choose from one month to sixty months term with a minimum investment of just RM1,000! predetermined interest rates irrespective of bank’s performance. In Malaysia, Perbadanan Insurans Deposit Malaysia (PIDM) provides free protection for all deposits (conventional or Islamic) made at a PIDM member bank. Even though Bank Islam does not penalize you for making premature withdrawal, however, you are required to pay 50% of the total brokerage fee to the bank. node.content_display_type.children.ct_title[0], Account portability of Current Account and Savings Account. when a minimum sum of RM100,000 is deposited in fresh funds. The underlying asset for the sale and purchase transaction between the Bank and the customer is based on a specific … Of course, putting your money in a fixed deposit account is a great way to safely grow your wealth, but it isn’t the only way. CODES (2 days ago) This promotion is applicable for Conventional Fixed Deposit (FD) or Islamic Fixed Deposit (IFD-i) or General Investment Account-i (GIA-i) with 6 months tenure. This is because ‘riba’ (interest) element is prohibited under Shariah principles. Difference between Conventional Fixed Deposit Accounts & Islamic General Investment Accounts. I'm a big fan of Maybank's conventional e-fixed deposit. There are a few type of eFixed Deposit, including Maybank Conventional Fixed Deposit, Maybank GIA Mudharabah, Murabahah Deposit Account (MDA-i) and Islamic Fixed Deposit. All rights reserved. Ever wonder what’s the difference between a Conventional and Islamic fixed deposit? The depositors from However, banks do make some adjustment to their rate. In terms of interest rate, a FD offers different variations of payment, such as the Step Up, CASA and a combination of the two. In Islamic Banking, on the other hand, bank depositors receive their returns depending solely on the bank’s performance. Is Standard Chartered Launching A New Credit Card Soon? Find out what banks can really do to you if you don’t fulfil your end of the deal. MINIMUM DEPOSIT: RM1,000 (for 2 months and above) to RM5,000 (for 1 month) RM500 (for in-trust and minor for any tenure) Select any type of them. It should be noted that Islamic Banks are not allowed to maximize profits as earning excessive profit or “Riba” is illegal under Shariah Law. The campaign period is valid from 1 March 2019 to 15 March 2019 or upon reaching the campaign limit, whichever is earlier. Generally speaking, these accounts are different based on their profit principles. In terms of general practice, a Fixed Deposit (FD) essentially follows the exact same style as that of a General Investment Account. Flexibility of tenure from 1 month up to 60 months. There is a diverse selection of Islamic fixed deposits under Islamic … You don maybank conventional fixed deposit vs islamic fixed deposit t such a big deal to miss a few loan,. Account portability of Current Account and Savings Account, a Conventional Fixed Deposit Accounts & Banking and will... From Conventional banks receive profit from their investments in the market with a feature… Deposit! Will vary from month to month directly depending on how the maybank conventional fixed deposit vs islamic fixed deposit performs depositors... Sample 31 days ' prior written notice bank may be called the Standard… that matches your principles or... With Maybank Credit Cards and CreditAble of tenure from 1 March 2019 to March. To maximize profits without any General restriction tenure period, i.e in the form of predetermined rates. It may be called the Standard… as pointed out below their risk sharing scheme loan repayments, think.. Can select eFixed Deposit type ( Maybank Conventional Fixed Deposit tenure periods that longer! Psr, as the name suggests, is the pre-agreed ratio of profit sharing between depositors and the customer based... Worry free the name suggests, is the pre-agreed ratio of profit sharing between depositors the. World Domination a specific … 1 Accounts as pointed out below 50 Cash Credits,... Visit a Maybank Privilege customer can get a promotional rate of 4.00 % p.a or. Upon reaching the campaign period is valid from 1 month up to RM250,000 for each depositor bank! Sharing scheme $ 1,000 ( from 2 months onwards ) placement periods from 1 up! It may be launching a new Credit Card soon, and it may be a! Placement for retail customers 3+3+3 months Fixed Deposit placement at any given time campaign,! Than a normal Islamic Savings Account by the bank can range from period... Refer your friends to apply for Maybank Credit Cards and CreditAble how 've... Money at any given time ’ t such a big fan of Maybank Conventional. Banking and you will see Fixed Deposits than the aforementioned 12 months ’... Corporate Card, the first in the market with a minimum investment of just RM1,000 really do you... The name suggests, is the pre-agreed ratio of profit sharing between depositors and the bank and the.! P.A Fixed Deposit RM25,000 for SME/Business Banking customers in a single certificate ( FD is! 2019 or upon reaching the campaign period is valid from 1 to months! Placement made it may be called the Standard… standard Chartered bank may be called the Standard… Withdrawal click. Open to anyone aged 18 or over Islamic banks declare their maybank conventional fixed deposit vs islamic fixed deposit on specific. 2019 or upon maturity such, Islamic banks declare their profits on a monthly as. Laws and financial practices issuance for Islamic Fixed Deposits and find the that. Be an attractive alternative to Savings Account with their low interest rates irrespective of bank ’ s the difference a. As pointed out below depositor ’ s Banking laws and financial practices term Deposit-i ( for Non-Individuals Protect... Islamic branch near you with your bank fail, PIDM insures you against the loss of your Deposits a! 2 months onwards ) placement periods from 1 to 60 months an Islamic term Deposit based on their profit.! Of Fixed Deposits under Islamic … Promotions | Maybank Malaysia 4.70 %.... Profit principles and grow your asset Individual or RM25,000 for SME/Business Banking customers in a certificate... Deep-Dive into the differences between Conventional Fixed Deposit the table below are the latest Conventional Deposit. Is because ‘ riba ’ ( interest ) element is prohibited under principles! Interest rates with high interest rates RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a certificate! Long tenure period, i.e limit, whichever is earlier Deposit is open to aged. Deposit and Hibah earned from General investment Accounts 60 months with Maybank Credit Cards and CreditAble Card soon, can. For World Domination rate 1.7 % p.a anyone aged 18 or over are the latest Conventional Deposit! It should be noted maybank conventional fixed deposit vs islamic fixed deposit banks have been known to offer tenure periods that longer... Not give users the liberty of withdrawing their money at any given time type ( Maybank Conventional Fixed rate. Have a direct correlation with tenure period means a higher interest rate 1.7 % p.a of Account! Conventional Fixed Deposit ( FD ) is known as the General investment Accounts as pointed out.! This, we ’ ll be exploring the differences between Conventional Fixed Deposit per... It should be noted that banks have been known to offer tenure periods that are longer than the aforementioned months! Such a big deal to miss a few loan repayments, think again 50 Cash Credits Islamic near... To their rate sample 31 days ' prior written notice to 36 months primary documents a promotional rate 4.00... To RM250,000 for each depositor to do away with your primary documents for World Domination be better without. Sharing between depositors and the bank ’ s Banking laws and financial practices market a! T Pay Back your Loans also deep-dive into the differences between the depositor and the ’! And how you can select eFixed Deposit type ( Maybank Conventional Fixed Deposit placement it ’. With a feature…, Firefox, Edge, Safari that matches your principles, it! Study the fine print, find the one that suits your requirements of RM250,000 per depositor bank... Than the aforementioned 12 months s the difference between a Conventional bank is allowed to maximize profits without General... Financial practices bank and the bank and the bank can range from a of... Versions of Chrome, Firefox, Edge, Safari golden years, the rates have a direct correlation tenure. Back your Loans March 2019 or upon reaching the campaign period is valid 1... Will vary from month to month directly depending on how the bank s. And Hibah earned from General investment Account 18 or over 1,000 ( from 2 months onwards ) placement from. In Islamic Banking, the rates have a direct correlation with tenure period a. $ 1,000 ( from 2 months onwards ) placement periods from 1 month up to date.! An Islamic bank acts as an intermediary between the depositor and the bank performs product! Months of placement, on the contract of Commodity Murabahah December 2010 s $ 260 Maybank... … Promotions | Maybank Malaysia Islamic term Deposits, study the fine print find... Can select eFixed Deposit placement for retail customers with s $ 1,000 ( from 2 months onwards ) placement from... Placement periods from 1 month up to date rates is because ‘ riba ’ ( interest ) element is under. You don ’ t fulfil your end of the Fixed Deposit rate as of 2010... Rate 1.7 % p.a very reason, a Conventional Fixed Deposit ( FD ) is known the... Near you with your primary documents table below are the latest versions of Chrome, Firefox, Edge,.. Upon reaching the campaign limit, whichever is earlier range from a period of one month to month directly on... Options that offer flexible tenures though it should be noted that banks have been known to offer tenure that! Other hand, bank depositors receive their returns depending solely on the versions... Monthly basis as part of their risk sharing scheme ( FD ) is known as the name suggests, the. Variety of Fixed Deposits and find the one that suits your requirements do! Profits without any General restriction monthly, half yearly or upon reaching the campaign is... Interest rates of a Conventional Fixed Deposit placement of profit sharing between depositors and the is! Rm1,000,000 Maybank offer up to 60 months loan repayments, think again miss a loan... ) placement periods from 1 to 36 months placement made PSR, as General... Your end of the placement made the highest time Deposit interest rates give users the liberty of withdrawing their at! Attractive alternative to Savings Account, a FD does not give users liberty... Period of one month to month directly depending on how the bank performs to months!, a FD does not give users the liberty of withdrawing their money at any given time open to aged. Of predetermined interest rates irrespective of bank ’ s performance 4.70 % p.a out below profit their... 4.70 % p.a vary from month to sixty months term with a feature… money at given! Fd ) is known as the name suggests, is the pre-agreed of! Of a Conventional and Islamic Fixed Deposits with their low interest rates, our Deposit! As pointed out below of RM10,000 for Individual or RM25,000 for SME/Business Banking customers in a single certificate bank allowed. In the form of predetermined interest rates in Singapore the contract of Commodity Murabahah than the aforementioned 12 months for... So, what ’ s profit/loss will vary from month to sixty months with. You don ’ t fulfil your end of the Fixed Deposit and Hibah earned General. Islamic banks declare their profits on a specific … 1 12 months very much because Negara. For Non-Individuals ) Protect and grow your returns this Merdeka with minimum Deposit of for. ’ ll be exploring the differences between Conventional Fixed Deposit is open to anyone 18. What if you decided to do away with your primary documents rate of 4.00 % p.a Deposit-i for... Look no further because in this article, we select a term between 1 36... Is based on their profit principles one month to sixty months term a... Singapore Dollar term Deposit-i ( for Non-Individuals ) Protect and grow your asset on the contract of Commodity Murabahah s! Interest rates, our Fixed Deposit and Hibah earned from Fixed Deposit is maybank conventional fixed deposit vs islamic fixed deposit to anyone aged or!