ATLAS by Bank Muamalat Malaysia Berhad (“ATLAS”) is a digital banking that is brought to you by Bank Muamalat Malaysia Berhad (BMMB).
Designed to redefine Islamic banking, ATLAS offers Malaysians a seamless, secure and rewarding digital banking experience right at your fingertips. More than just a banking app, ATLAS is a lifestyle companion that integrates your financial needs with your everyday activities, empowering you to grow together with ATLAS digital banking.
With our state-of-the-art mobile platform, ATLAS brings you:
• Seamless onboarding through Straight Through Processing (STP)
• Secure and convenient access to your finances anytime, anywhere
• Attractive rewards that match your lifestyle
• User-friendly interface and a super app experience for everyday banking needs
Join us to experience a new way of Islamic banking that is digital, inclusive and made for you.
Learn more at https://atlasmuamalat.com.my/
Yes. We ensure all our products, services, operations, businesses, activities, and affairs are Shariah-compliant.
For Iphone Users: ATLAS mobile application is compatible with devices running on iOS 16 or higher. Devices with at least 2GB of RAM are required, but 3GB or more is recommended for the best experience.
For Android Users: The ATLAS mobile application works on smartphones running on Android 11 or higher, with at least 1.5GB of RAM.
Your device should have a camera, microphone, biometric authentication and a stable internet connection.
The Dashboard of the ATLAS mobile application consists of three main sections:
To switch between these sections, tap the Banking, Lifestyle, or Islamic tab at the top of the Dashboard.
It’s easy to open an ATLAS Savings Account-i. All you have to do is follow the steps below:
Currently, only individuals who meet the requirement below are able to open an account.
To open up ATLAS Savings Account-i, the only document that is required is your original Malaysian Identity Card (MyKad).
For the time being, only one account is allowed per customer.
The initial deposit required for account activation is RM0.01.
ETM, NTM, NTB, and ETB represent different customer categories based on their banking relationship and history.
Customer Category | Description |
Existing-to-Market (ETM) | Individuals who have an existing relationship with any financial institution in Malaysia. |
New-to-Market (NTM) | Individuals who do not have any existing relationship with any registered financial institution in Malaysia. |
New-to-Bank (NTB) | Individuals who have no existing relationship with ATLAS and/or BMMB but have an existing relationship with other registered financial institutions in Malaysia. |
Existing-to-Bank (ETB) | Individuals who already have an established relationship with ATLAS and/or BMMB. |
Your customer category may impact certain banking limits, such as your daily transfer limit.
Here’s how to make your first deposit to activate your account:
1. If you are an Existing-to-Bank or New-to-Market customer, you can activate your account by transferring funds from any account.
2. If you are a New-to-Bank customer, the initial deposit must be made from your own account at another bank (third-party deposit is not allowed)
No minimum balance is required to maintain ATLAS Savings Account-i.
No, there is no annual maintenance or service fee for the ATLAS Savings Account-i. You can enjoy the benefits of your account without worrying about hidden charges.
If no transaction is made within ninety (90) days from the account opening date, your account will be automatically closed by ATLAS.
No, ATLAS Savings Account-i is a separate product from the saving accounts in Bank Muamalat, hence it will not be linked to your existing Bank Muamalat saving account.
Yes, deposits in your ATLAS Savings Account-i are protected by PIDM up to RM250,000 per depositor.
Once you’ve completed the onboarding process, your account will be ready for use after a 12-hour cooling-off period.
If you’re still unable to access your account after this time, feel free to contact our Customer Service team at 03-20215888 or email us at ask@atlasmuamalat.com.my for assistance
You have 48 hours to continue your application from where you left off.
To resume, you just have to enter the phone number you used during the initial process and request a new OTP (One-Time Password). Our system will take you to your last saved screen.
If it’s been more than 48 hours, your application will be reset. You’ll need to start again and re-enter your details to continue the account opening process.
We’re sorry to see you go – but yes, you can request to close your account. Please reach to our Customer Service 03-2021 5888 or email us at ask@atlasmuamalat.com.my to proceed with your request.
Please be aware that closing your account will limit your access to the app, and you may lose any accumulated reward points.
A dormant account is an inactive account with no withdrawals or deposits for the past 12 months, excluding transactions initiated by the Bank.
If your account becomes dormant, you have the option to reactivate it by either:
• Initiating a fund transfer from your own account at another bank, or
• Making a withdrawal from your ATLAS Savings Account-i.
Alternatively, you may choose to close the account with no charges.
If no action is taken, ATLAS reserves the right to close dormant accounts with a balance of RM10 or less, and the remaining balance will be absorbed as a service fee.
For dormant accounts with a balance exceeding RM10, ATLAS may charge an annual service fee of up to RM10. Any remaining balances will eventually be sent to Unclaimed Monies in accordance with the Unclaimed Money Act 1965.
Under the Unclaimed Monies Act 1965, any funds in an account that have not been used or accessed for at least seven (7) years are classified as “Unclaimed Monies.”
If your account qualifies as unclaimed, you will receive a notice of 21 calendar days before the funds are sent to the Registrar of Unclaimed Monies (RUM).
If the account holder passes away, the next of kin should contact our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.
The daily transaction limit for Intrabank Transfers depends on your customer category
No | Customer Category | Daily Transfer Limit |
1 | Existing-to-Market (ETM)
|
RM10,000 |
2 | New-to-Market (NTM) | RM5,000 |
No, you cannot change your fund transfer limit at the moment. Stay tuned for updates!
If the intended recipient hasn’t received the money within the expected timeframe, please reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my
International money transfer is not available on ATLAS at the moment. But stay tuned because this feature will be available soon!
We’re sorry because ATM withdrawals features are not available yet.
You’ll need to transfer funds from your ATLAS Savings Account-i to another bank account to withdraw cash at an ATM. Direct ATM withdrawal from ATLAS will be available in a future release.
Currently, ATLAS does not support scheduled or recurring funds transfers. We are working on bringing this feature to you as soon as possible!
A DuitNow ID is an identifier used to link your account number for fund transfers. It can include any of the following:
1. Mobile Number
2. NRIC (MyKad/Old I/C)
3. Army or Police Number (Coming Soon)
4. Passport Number (Coming Soon)
5. Business Registration Number (Coming Soon)
For ATLAS customers, your ATLAS Savings Account-i number is automatically registered as your DuitNow ID. This allows others to transfer funds to your ATLAS account via DuitNow Transfer
Your ATLAS Savings Account-i number is automatically registered as your DuitNow ID. You also have the option to register your NRIC or mobile number as a DuitNow ID. More options will be available soon!
To register a new DuitNow ID:
1. Open the ATLAS mobile application.
2. Tap your name at the top of the screen to access your profile settings.
3. Go to Account Settings.
4. Select Manage DuitNow ID.
5. Choose to register either your NRIC or mobile number.
6. Review and accept the Terms & Conditions.
7. Tap Submit.
8. Activate your new DuitNow ID using Face ID.
Once activated, you will receive a push notification, and your new DuitNow ID will be ready for use in online transactions.
Once your DuitNow ID is activated, you can manage it by accessing the Manage DuitNow ID settings in the app. The available options include:
1. Change Account: Switch your DuitNow ID to a different receiving account.
2. Suspend: Temporarily deactivate your DuitNow ID if it’s not needed for the time being.
3. Deregister ID: Permanently remove your DuitNow ID from the system.
If you deregister your DuitNow ID, it will no longer be linked to your account, and you will not be able to receive payments via DuitNow using that ID. However, you can re register the ID at any time through the ATLAS platform.
DuitNow Transfer is a real-time payment service that allows you to send money using an account number or a proxy, such as a mobile number, NRIC, passport number or business registration number.
You can perform DuitNow transfers directly through the ATLAS Platform. This service is part of an industry-wide initiative designed to make fund transfers more convenient and secure.
Currently, there are no fees or charges for DuitNow Transfer.
Yes, the daily transaction limit for DuitNow transfers depends on your customer category. Please refer to the table below.
Customer Category | Daily Transfer Limit |
Existing-to-Market (ETM)
|
RM10,000 |
New-to-Market (NTM) | RM5,000 |
After entering the DuitNow ID, the registered name of the account holder will be displayed. Please ensure that the name matches the intended recipient before confirming the transfer.
Yes, you can receive funds into your ATLAS Savings Account-i through DuitNow Transfer. Your ATLAS Savings Account-i number is automatically registered as your DuitNow ID, enabling others to transfer funds to your account.
To transfer money using DuitNow Transfer, follow either of the steps below:
Option 1:
1. Open the ATLAS mobile application and tap on the “Move Money” icon on the dashboard.
2. Select “DuitNow Transfer”.
3. Enter the payment amount and transfer description.
4. Confirm the details and complete the transaction.
Option 2:
1. Tap the “DuitNow Transfer” icon directly from the dashboard.
2. Enter the payment amount and transfer description.
3. Confirm the details and complete the transaction.
DuitNow QR is Malaysia’s national QR standard, developed by PayNet under Bank Negara Malaysia’s Interoperable Credit Transfer Framework (ICTF). It provides a secure and convenient method for making payments to merchants or individuals quickly and easily.
Currently, our DuitNow QR feature supports:
To make payments with DuitNow QR, there are two options:
Option 1:
Option 2:
Yes, you can! There are two ways you can share your QR code:
Option 1:
Option 2:
The minimum transaction amount for DuitNow QR is RM0.01. The maximum daily transaction limit depends on your customer category. Please refer to the table below:
No | Customer Category | Daily Transfer Limit |
1 | Existing-to-Market (ETM)
|
RM10,000 |
2 | New-to-Market (NTM) | RM5,000 |
Yes, you can generate a DuitNow QR code with a specific amount to receive payments. Simply follow these steps:
Please note: The generated QR code will be valid for 60 seconds only, for security reasons.
Yes, ATLAS mobile application supports all DuitNow QR codes displayed by merchants, regardless of their bank or e-wallet provider.
The ATLAS QR payment feature currently supports scanning both Static and Dynamic DuitNow QR codes:
Please note: The availability of scanning Dynamic QR codes may vary depending on the merchant’s setup and the latest updates to the ATLAS platform.
No, there are currently no fees charged for making payments using DuitNow QR through the ATLAS platform.
Once a DuitNow QR payment is completed, the transaction status will be displayed on your screen immediately. You will also receive a push notification from ATLAS app. For further reference, you can view the payment details in your transaction history.
A DuitNow QR payment may be declined for several reasons:
If your payment is rejected, please check your account balance, ensure a stable internet connection, and verify the recipient’s QR code. If the issue persists, please contact our Customer Service at 03-20215888 or reach out to the merchant for assistance.
If you’ve received a successful payment notification, you may show it to the merchant as proof of payment. The merchant is advised to check their transaction history to verify whether the payment has been received
DuitNow and Intrabank favourite accounts allow you to save frequently used account details, enabling quicker fund transfers without the need to re-enter the information each time
You can manage your saved favourite accounts anytime by heading to Account Settings and tapping on Manage Favourites.
From there, you can update nicknames or remove any accounts you no longer need.
To save an account as a favourite:
You will receive a push notification once the account has been successfully saved.
Secure Messages is a feature that allows you to communicate securely with the ATLAS team. You can manage your conversations easily using the messaging tools provided within the platform.
To access Secure Messages, simply go to the More menu from the ATLAS Platform dashboard, then select Messages from the list of available options.
Secure Messages allows you to manage your communication with the ATLAS team effectively. With this feature, you can:
To send a new message via Secure Messages on the ATLAS Platform:
Yes, any message you don’t finish will be automatically saved under the Drafts tab. You can return to it later, make changes, and send it when you’re ready.
To delete a message, simply swipe it to the left and tap the trash bin icon. It’s quick and easy!
If you suspect fraudulent activity or scams, take immediate action:
Currently, ATLAS is only available in English. We’ll notify you as soon as additional language options are available in future updates.
You won’t be able to update your mobile number or email at the moment. This feature will be available in an upcoming updates.
No, your ATLAS account can only be accessed on one device at a time. If you wish to switch devices or reinstall the app, you’ll need to remove your current device and register a new one. Alternatively, registering a new device will automatically unlink the previous one.
To change your ATLAS app passcode, just follow
these steps:
Once done, your new passcode will be updated
successfully
For a smooth registration process, please remember the following:
By keeping these points in mind, you’ll be ready for a hassle-free registration.
Please ensure your device has network coverage. Kindly tap on ‘resend’ to request another SMS OTP. If you keep facing the same issue, please reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my
To unlock your account, reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.
If you recently connected to an unsecured WiFi network, this error might occur. To fix it, switch to a secure network try logging in again.
Your ATLAS Savings Account-i will be unbind from your previous device when you uninstall the app, factory resetting your device, or clearing the app’s data or cache.
If this happens you can bind the account with the same device or a new device, following these steps:
If you run into any problems, feel free to contact our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my for help.
If you’re encountering this issue, it could be because your mobile number is already associated with an existing ATLAS Savings Account-i or has been recycled by your service provider.
If you believe the number is linked to an old account or recycled, please contact our customer service at 03-20215888 or by email at ask@atlasmuamalat.com.my for assistance.
Provide proof of ownership, such as a screenshot from your service provider’s app or a photo of your phone bill showing your name and number. We’ll assist you in resolving this promptly.
To ensure a secure and reliable banking experience, we use your NRIC (front and back) as a component of our electronic Know Your Customer (e-KYC) process to identify your identity. This helps us maintain a secure environment for all our customers. Your cooperation in providing this information is essential to facilitate a smooth and secure account verification.
Currently, the system sets default daily transaction limits for all customers. You may contact Customer Services to increase your limit up to the maximum allowed for your customer type.
Your application may have been declined for several reasons, such as providing incomplete or incorrect information during the application process, not meeting our eligibility criteria, or failing to satisfy certain regulatory requirements. Please ensure all information provided is accurate and meets our guidelines to avoid any issues with your application. If you have further questions or need clarification, please reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.
If you lose your phone with the ATLAS app installed, please contact our Customer Service immediately at 03-20215888 or email us at ask@atlasmuamalat.com.my. We’ll assist you in securing your account.
Kill Switch is a feature to temporarily block all login attempts when you suspect that you ATLAS Platform login credentials have been compromised. This feature is a quick way to prevent scammers from accessing your ATLAS Platform and preventing any outgoing transactions from your account(s).
To activate the Kill Switch and immediately secure your account, follow these steps:
Activate Kill Switch via the ATLAS mobile application:
Once activated, your account will be temporarily disabled to protect your funds from unauthorized access.
Upon activation of the Kill Switch, you will receive a push notification confirming the successful activation of your Kill Switch and the app will automatically log out. This ensures you’re immediately informed and can rest assured that your account is secure.
Once you have activated the Kill Switch function, your ATLAS savings account will not be blocked. Only the access to ATLAS Platform will be revoked.
To restore your access to ATLAS Platform, simply reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.
ATLAS sends real-time notifications to keep you informed about your account activity. These include:
These notifications help you stay on top of your account activity and security at all times.
If you don’t enable notifications, you won’t receive timely updates on your account activities. We recommend enabling notifications to ensure a seamless and informed banking experience.
To customize your notification settings:
This ensures you only receive notifications relevant to you.
Yes! On the notification details page, select the transaction you want to share, then tap the share icon at the top right to directly share a receipt for any inbound or outbound transaction from the platform.
The 12-Hour Activation (Cooling-Off) Period is a security measure designed to protect your account from unauthorized activities. It applies when you perform any of the following actions:
You can only access the app and perform transactions after 12 hours cooling off period.
If you need to report an erroneous or unauthorized transaction, you can use the digital assist in the ATLAS mobile application. Alternatively, you can reach out to our Customer Service at 03-20215888 or by email at ask@atlasmuamalat.com.my.
To report a suspected fraud or scam, you can choose one of the following methods:
The difference between unauthorized transaction and an erroneous transaction is: –
To keep your ATLAS mobile application secure, consider the following steps:
Taking these measures will help ensure your account remains secure.
No. ATLAS will never ask for your personal banking details such as your username, bank PIN, or OTP through phone calls, emails, websites, or SMS. Your security is our top priority. If you receive any such requests, please contact us immediately.
Personal data refers to any information pertaining to a known or identifiable individual. An identifiable person is someone who can be directly or indirectly identified, especially by referencing an identification number (such as a social security number) or specific factors related to their physical, physiological, mental, economic, cultural, or social identity (such as name, date of birth, biometric data, fingerprints, DNA, etc.).
We may gather your Personal Data, which you knowingly and willingly provide when you engage with us via our mobile application, websites, social media platforms, customer hotlines, products, features, and other services we offer. This includes information obtained from our business partners or other sources, either directly or indirectly.
You authorize ATLAS to collect, process, disclose, transfer, store, and retain your personal data. This may include sharing it within BMMB, including its branches, subsidiaries, and external parties.
ATLAS may use your information, following regulatory guidelines, for purposes determined by ATLAS.
You declare that your personal information is accurate and up-to-date. You must notify the immediately of any changes.
ATLAS offers a range of Islamic features to support your daily spiritual needs. These include:
These features are designed to help you stay connected to your faith, anytime and anywhere.
You can access these features from the Islamic Tab on the dashboard. Simply tap the “Islamic” section on the Dashboard to explore all related features.
New features will be introduced in stages, and you will be notified as soon as they become available!
You can easily personalize your prayer alerts to match your daily routine. Just follow these steps in the Prayer Time settings:
This way, you’ll never miss a prayer while keeping notifications just the way you like them.
Yes, you can! The Prayer Times page allows you to see both upcoming and past prayer times, so you can plan your daily prayers in advance.
Yes, you can! You have two options:
The app will automatically update your prayer times based on your new location. If necessary, you can manually adjust the settings by selecting a city in the prayer times location settings.
The Zikir Counter allows you to track your Zikir repetitions. Tap the screen to increase the count and use the reset button to start a new session.
The Zikir count is stored locally on your device. You can continue where you left off.
Yes, you can manually set a target for your Zikir count. Simply navigate to Zikir page, tap on the edit icon, input your desired target and start your session. The counter will display your progress towards the target.
The app includes an Islamic calendar that highlights key events such as Ramadan and Eid, allowing you to stay informed and plan ahead with ease
Yes, you can customize your calendar settings to display either the Hijri calendar, the Gregorian calendar or both, making it easier to view important dates
The ATLAS app provides a selection of Duas for various aspects of life, including:
Let these Duas guide you with peace, hope and strength in your daily life.
Yes, each Dua in the app comes with a clear and easy-to-understand translation, allowing you to connect more deeply with the meanings of the supplications and enhancing your spiritual journey.
The transliteration feature provides a phonetic guide to the Arabic text, making it easier for you to recite Duas confidently. Even if you’re still learning Arabic, you can follow along and pronounce each word correctly with ease.
Yes, the Kiblat feature works globally by detecting your current location and adjusting the direction accordingly. Whether you’re at home or travelling, you’ll always be able to find the correct Kiblat direction.
Absolutely! The Kiblat direction updates in real time based on your location, ensuring you always have the most accurate direction no matter where you are.
If the direction seems off, you can recalibrate the compass by moving your phone in a figure-eight motion, as prompted by the app. This helps reset the sensors for better accuracy.
The Faith Summary Dashboard provides an overview of your faith-related activities such as prayers completed and Zikir performed.
For some features such as Solat and Zikir, tracking may require manual input or interaction with the app.
The Solat Tracker allows you to log your performed prayers in the Faith Dashboard.
Tap on the specific prayer to mark it as completed, and the “Perform Solat” summary activities card will update to reflect your progress. This feature helps you monitor your daily prayers and stay on track.
The Loyalty and Rewards Program is a platform where customers can earn and redeem loyalty points for various activities such as account creation and referrals program
The program offers rewards like e-vouchers and exclusive offers from participating merchants.
Simply sign up for the program by creating an ATLAS account and you can start earning points by referring your friends.
Loyalty points can be earned by:
ATLAS offers a tiered membership system that
rewards you the more you spend. The tiers are:
You can move up the tiers by earning points through your everyday spending. The more points you collect, the higher your tier and the better your reward.
Yes. Loyalty points do expire. You can track the expiry dates of your points in the “Point History” section of the app to ensure timely redemption. You also will be informed on how many points will be expiring on which date.
Simply tap on the voucher card listed in the Loyalty & Reward page to view the voucher details including their description and TNC.
You can redeem your loyalty points for a variety of rewards, including e-vouchers from participating merchants.
Each reward will show the required points needed for redemption in the “Rewards for You” section.
All redeemed rewards are stored in the “Rewards Wallet.” This section allows you to view both active and used rewards for your reference.
To use a redeemed reward, click “Use” in your Rewards Wallet. A QR code or reference code will be generated which you can use for online or in-store redemption.
All your point transactions including points earned, redeemed and their expiry dates are displayed in the “Point History”
Yes, you can filter rewards by using the filter function available on the “Rewards for You” page.
The Referral Program allows you to invite new users to the ATLAS app using a unique referral code. Both the referrer and the referee will earn loyalty points upon successful registration.
Share your unique referral code with friends. When they sign up using your code, both of you will earn points.
No, there is no limit to the number of referrals you can make. You will earn points for each successful referral.
You can easily locate your referral code by following these steps:
All referral-related rewards will appear in your “Point History” section, where you can view your points earned from successful referrals.
It’s our latest campaign to reward you with a high profit rate of 3.88% per annum (p.a.) on your deposits in the ATLAS Savings Account-i, up to RM8,000 per individual! It’s a great way to grow your money while keeping it Shariah-compliant.
All individual customers with an active ATLAS Savings Account-i are eligible to participate, including both new and existing customers.
The campaign period is from 8th August 2025 until 30th September 2025 (Campaign Period), or until further notice by the Bank.
You’ll earn 3.88% p.a. on balances up to RM8,000. Any amount exceeding RM8,000 will not be eligible to earn profit under this campaign (0%).
You will earn the 3.88% p.a. profit rate only for balance maintained with ATLAS during Campaign Period. Once the campaign ends, all deposits will not be eligible for the 3.88% p.a. profit rate and will instead earn the normal profit rate set by the Bank (currently 0.05% p.a.). Please refer to www.atlasmuamalat.com.my for the latest profit rate.
We’ll make an official announcement regarding the end of the campaign through our official social media channels and website. Thereafter, all deposits will earn the prevailing normal profit rate as determined by the Bank.
Just transfer funds into your ATLAS Savings Account-i using:
▪ Intra-bank transfers (from Bank Muamalat or other ATLAS account), or
▪ DuitNow
We calculate your profit based on your end-of-day account balance on daily basis. The profit will be accrued and once your earnings hit RM0.01, they’ll be credited directly into your account. Simple and transparent!
You will be required to register as ATLAS customer. The only document required would be the digital scan of your MyKad (for Malaysians) to sign up
It’s easy, you don’t need to take any additional steps to sign up. If you’re already an ATLAS customer, just make sure your ATLAS Savings Account-i is active and deposits more money to enjoy more profit!
If you don’t have an ATLAS Savings Account-i yet, simply download the ATLAS Muamalat app from Google Play Store or the App Store and open your account today.
No, there is no total cap for the overall campaign deposit size. However, the campaign is subject to an individual deposit cap of RM8,000 per customer. This is to ensure more customers have the opportunity to enjoy the 3.88% campaign profit rate
Your funds will remain safe in your ATLAS Savings Account-i. However, the special 3.88% p.a. profit rate will no longer apply, and the profit will return to the normal profit rate set by the bank
Yes, you can withdraw anytime. But keep in mind: your daily profit is based on your end-of-day balance, so withdrawing funds may affect your total earnings.
Not at all. You’ll still earn 3.88% p.a. on the first RM8,000. However, any amount exceeding RM8,000 will earn 0% during the Campaign Period.
All deposits after the campaign ends will not be eligible for the 3.88% p.a. campaign profit rate.
Instead, your funds will earn the normal profit rate of 0.05% p.a., and you will not receive the special campaign benefits.
Not yet! To enjoy the 3.88% p.a. campaign profit rate, you’ll need to open an ATLAS Savings Account-i through our mobile app. Once your ATLAS account is active, you’ll be eligible to participate in the campaign.
Simply open your ATLAS mobile app. On the homepage, tap “View All” next to Latest transactions.
There, you’ll be able to see the daily profit credited to your account under the transaction list.
Yes, any profit credited to your account will be added to your balance and counted as part of your deposit for the next day’s profit calculation.
Don’t worry! Profit is calculated based on your end-of-day balance.
If your balance goes over RM8,000 due to profit earned or additional deposits,only the amount above RM8,000 will earn 0% profit.
You’ll still continue to earn 3.88% p.a. profit on the eligible portion, which is up to RM8,000.
Example Scenario:
Let’s say your end-of-day balance is RM8,999, after receiving profit or making additional deposits. Here’s how your profit will be calculated:
End-of-Day Balance | Profit Rate | Profit Calculation | Daily Profit (RM) |
First RM8,000 | 3.88% p.a. | RM8,000 × 3.88% ÷ 365 | RM0.85 |
Remaining RM999 | 0% p.a. | RM999 × 0% | RM0.00 |
Total RM8,999 | – | – | RM0.85 |
No, you won’t lose it. Any accrued profit earned during the Campaign Period will still be credited to your account, even if it’s credited after the campaign ends, as long as it was earned within the Campaign Period.