Alliance Term Deposit-i

Shariah Compliant Fixed Return For Your Deposit

Opt for Shariah compliant commodity trades and reap the profits.

Alliance Term Deposit-i
Grow your money in Alliance Term Deposit-i (ATD-i) and enjoy a fixed profit rate of return, The Islamic term deposit is based on the Shariah concept of Murabahah via Tawarruq. The profit is generated through buying and selling commodities as an underlying asset transaction.



  • Enjoy higher profit rate compared to ordinary current and savings accounts.
  • Start with a low initial deposit amount:
    • Only RM5,000 for 1 month placement
    • Only RM5,000 for 1 month placement
  • Flexible tenures available, ranging from 1 to 60 months.
  • Fixed return will be determined upfront upon placement.
  • Option for automatic renewal.
  • Note that pre-mature withdrawal in part or full is not encouraged and that the Bank will pay back the placement at a discounted price/amount upon request.*
  • Brokerage fee is waived.
  • Accepted as collateral for banking facilities*.


Your deposits are protected by PIDM up to RM250,000 per depositor. View PIDM brochure in your preferred language here.

If you uplift/withdraw your deposit before its maturity date after 31 December 2018, you will need to provide full rebate (ibra') on the profit agreed upon at the time of placement for deposits placed from 1 January 2018 onwards. As a result, the Bank will not pay any profit to you.


  • You are eligible to open an account as an individual aged 18 years and above.
  • Associations, clubs, and societies are also eligible to open an account.
  • Partnerships.
  • Sole proprietorships.
  • SMEs, corporations, and business enterprises can open an account as well.
  • Government bodies and trustees are eligible for account opening.

Apply for Alliance Term Deposit-i

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