Banking > Islamic > Term Deposit Account-i > Junior Smart Term Deposit-i
Junior Smart Term Deposit-i

Junior Smart Term Deposit-i (JSTD-i) is an Islamic fixed deposit product to be offered to Junior accountholder with a fixed profit rate of return via the buying and selling of commodities as an underlying asset transaction based on the Shariah concept of Murabahah Tawarruq.


Attractive fixed return/profit rates which agreed at the point of placement

Low minimum placement of RM500

Flexible tenures from 12 months up to 60 months.

Can be linked with Junior Smart Savers Account-i for profit payable upon maturity.

Brokerage fee is waived

Pre-mature withdrawal in part or full is not encouraged. Upon request, the Bank will pay back the placement at discounted price/amount.*


Terms & Conditions

Protected by PIDM up to RM250,000 for each depositor. View PIDM brochure in your preferred language here.


For deposit placements from 1 January 2018 onwards, the customer shall provide full rebate (ibra’) on the profit that was agreed at the time of placement if the deposit is uplifted/withdrawn prematurely after 31 December 2018. In such circumstances, there will not be any profit payable by the Bank to the customer.

Who can apply

  • Individuals aged 18 years & below (maximum age upon maturity)
  • Accounts will be opened jointly with the parents, legal guardian or trustee
  • Application must be submitted by parents, legal guardian or trustee.


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