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World class Islamic banking solutions for your financial needs with Standard Chartered Saadiq Malaysia

Latest Commodity Details (for Term Deposit-i, Personal Financing-i and BizFinancing-i)
Type of Commodity Plastic Resin
Maximum Price per Tonne RM 33,000 per tonne
Last Price Change 1 December 2014
Trading Platform Bursa Malaysia Suq Al-Sila’
The above Commodity is used as the underlying Commodity for certain deposit-based/financing-based/investment-based products and its maximum pricing will remain until further notice. We will communicate to customers on the actual commodity details and price per tonne (not exceeding the maximum price) on the date the commodity is traded. Please be informed that any further changes above the maximum commodity price will be communicated to customers whose application is in process. For any renewal of Term Deposit-i using the above commodity (or any other approved commodity), the final renewal profit rate will be informed to customers based on prevailing board rates on the renewal date as listed below under item 4 “Term Deposit-i” or as published at branches.

The above Commodity is used as the underlying Commodity for certain deposit-based/financing-based/investment-based products and its maximum pricing will remain until further notice. We will communicate to customers on the actual commodity details and price per tonne (not exceeding the maximum price) on the date the commodity is traded. Please be informed that any further changes above the maximum commodity price will be communicated to customers whose application is in process.

For any renewal of Term Deposit-i using the above commodity (or any other approved commodity), the final renewal profit rate will be informed to customers based on prevailing board rates on the renewal date as listed below under item 4 “Term Deposit-i” or as published at branches.

Latest Commodity Details (for Current Account and Savings Account based on Shariah concept of Tawarruq)
TYPE OF COMMODITY
PLATINUM
Maximum Price $1,322 per troy ounces
Effective Date 15 June 2025 to 14 July 2025
Maximum Price $1,435 per troy ounces
Effective Date 15 July 2025 to 14 August 2025
Trading Platform DD&Co Limited
The above Commodity is used as the underlying Commodity for Current Account and Savings Account based on Shariah concept of Tawarruq products and its maximum pricing will remain until further notice. The agreed profit rate will be informed to customers based on prevailing board rates as listed below under item 3 “Current Account and Savings Account based on Shariah concept of Tawarruq” or as published at branches.

The above Commodity is used as the underlying Commodity for Current Account and Savings Account based on Shariah concept of Tawarruq products and its maximum pricing will remain until further notice. The agreed profit rate will be informed to customers based on prevailing board rates as listed below under item 3 “Current Account and Savings Account based on Shariah concept of Tawarruq” or as published at branches.

Rates

Find out the rates

Find out the rates

Savings Account

Basic Savings Account-i

Hibah paid for previous month

 
2017
Balance AUG SEP OCT NOV DEC
RM0 up to RM100,000 0.200% 0.200% 0.200% 0.200% 0.200%
RM100,001 to RM250,000 0.500% 0.500% 0.500% 0.500% 0.500%
RM250,001 & above 0.750% 0.750% 0.750% 0.750% 0.750%
Eligible for protection by PIDM

(Eligible for protection by PIDM)

Current Accounts

Saadiq Current Account-i (Individual)1

Hibah paid for previous month
2017
Balance AUG SEP OCT NOV DEC
RM0 up to RM5,000 0.000% 0.000% 0.000% 0.000% 0.000%
RM5,001 to RM15,000 0.250% 0.250% 0.250% 0.250% 0.250%
RM15,001 & above 0.500% 0.500% 0.500% 0.500% 0.500%
Eligible for protection by PIDM

Eligible for protection by PIDM

Current Account-i (Non-Individual)

Hibah paid for previous month
2017
Average Account Balance AUG SEP OCT NOV DEC
RM50, 000 and below 0.000% 0.000% 0.000% 0.000% 0.000%
RM50,001 to RM100,000 0.000% 0.000% 0.000% 0.000% 0.000%
RM100,001 to RM200,000 0.300% 0.300% 0.300% 0.300% 0.300%
RM200,001 to RM500,000 0.750% 0.750% 0.750% 0.750% 0.750%
RM500,001 and above 0.900% 0.900% 0.900% 0.900% 0.900%
Eligible for protection by PIDM

Eligible for protection by PIDM

Current Account and Savings Account under Syariah concept of Tawarruq

Saadiq JustOne Personal Savings Account-i

Profit paid of the month
2017
2018
Balance Profit Paid (%)
NOV DEC JAN
Below RM1,500 0.250 0.250 0.250
RM1,500 and above 1.250 1.250 1.250
Eligible for protection by PIDM

Eligible for protection by PIDM

Saadiq JustOne Personal Current Account-i

Profit paid of the month
2017
2018
Balance Profit Paid (%)
NOV DEC JAN
All balances 0.050 0.050 0.050
Eligible for protection by PIDM

Eligible for protection by PIDM

Saadiq JustOne Priority Savings Account-i

Profit paid of the month
2017
2018
Balance Profit Paid (%)
NOV DEC JAN
Below RM10,000 1.000 1.000 1.000
RM10,000 and above 2.000 2.000 2.000
Eligible for protection by PIDM

Eligible for protection by PIDM

Saadiq JustOne Priority Current Account-i

Profit paid of the month
2017
2018
Balance

 

 Profit Paid (%)
NOV DEC JAN
All balances

 

 0.050 0.050 0.050
Eligible for protection by PIDM

Eligible for protection by PIDM

JustOne Priority Plus Savings Account-i

Profit paid of the month
2017
2018
Balance

 

 Profit Paid (%)
NOV DEC JAN
RM0 up to RM50,000 0.200 0.200 0.200
RM50,001 up to RM200,000 1.700 1.700 1.700
RM200,001 up to RM1,000,000 2.500 2.500 2.500
RM1,000,001 & above 2.900 2.900 2.900
Eligible for protection by PIDM

Eligible for protection by PIDM

JustOne Priority Plus Current Account-i

Profit paid of the month
2017
2018
Balance

 

 Profit Paid (%)
NOV DEC JAN
All balances 0.050 0.050 0.050
Eligible for protection by PIDM

Eligible for protection by PIDM

Investment Account

Saadiq JustOne Personal Investment Account-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
All balances 5:95 0.250 0.250 0.250 0.250 0.250
Saadiq JustOne Personal Account-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
All balances 1:99 0.050 0.050 0.050 0.050 0.050
Saadiq JustOne Preferred Investment Account-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
All balances 10:90 0.500 0.500 0.500 0.500 0.500
Saadiq JustOne Preferred Account-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
All balances 1:99 0.050 0.050 0.050 0.050 0.050
Saadiq JustOne Priority Investment Account-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
All balances 20:80 1.000 1.000 1.000 1.000 1.000
Saadiq JustOne Priority Account-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
All balances 1:99 0.050 0.050 0.050 0.050 0.050
JustOne Priority Plus Investment Account-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
RM0 up to
RM50,000		 4:96 0.200 0.200 0.200 0.200 0.200
RM50,001 up to
RM200,000		 34:66 1.700 1.700 1.700 1.700 1.700
RM200,001 up to
RM1,000,000		 50:50 2.500 2.500 2.500 2.500 2.500
RM1,000,001 &
above		 58:42 2.900 2.900 2.900 2.900 2.900
JustOne Priority Plus Account-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
All balances 1:99 0.050 0.050 0.050 0.050 0.050
Saadiq Investment Account-i1

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
RM0 up to RM100,000 4:96 0.200 0.200 0.200 0.200 0.200
RM100,001 to RM250,000 10:90 0.500 0.500 0.500 0.500 0.500
RM250,001 & above 15:85 0.750 0.750 0.750 0.750 0.750
Investment Account-i1

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR AUG SEP OCT NOV DEC
RM0 up to RM50,000 4:96 0.200% 0.200% 0.200% 0.200% 0.200%
RM50,001 to RM100,000 8:92 0.400% 0.400% 0.400% 0.400% 0.400%
RM100,001 & above 20:80 1.000% 1.000% 1.000% 1.000% 1.000%
Saadiq$aver-i1

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
RM0 up to RM50,000 4:96 0.200 0.200 0.200 0.200 0.200
RM50,001 to RM200,000 34:66 1.700 1.700 1.700 1.700 1.700
RM200,001 to
RM1,000,000		 48:52 2.400 2.400 2.400 2.400 2.400
RM1,000,001 & above 54:46 2.700 2.700 2.700 2.700 2.700
SuperSalary-i1

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
RM0 up to RM 15,000 10:90 0.500 0.500 0.500 0.500 0.500
RM15,001 & above 18:82 0.900 0.900 0.900 0.900 0.900
Saadiq Business$aver-i

Profit paid based on Profit Sharing Ratio.
2017
Balance PSR Profit Paid (%)
AUG SEP OCT NOV DEC
RM0 up to RM200,000 10:90 0.500 0.500 0.500 0.500 0.500
RM200,001 to
RM1,000,000		 26:74 1.300 1.300 1.300 1.300 1.300
RM1,000,001 & above 30:70 1.500 1.500 1.500 1.500 1.500
Saadiq Young Saver-i

Profit paid based on Profit Sharing Ratio.

 
2017
Balance PSR Profit Paid (%)
SEP OCT NOV DEC
All tiers 20:80 1.000 1.000 1.000 1.000
effective 20th February 2017

effective 20th February 2017

Term Deposit-i

Term Deposit-i(for deposits up to RM1 million only)

Offer to buy commodity from Customers on deferred terms from 11th April 2014.

Tenure
Profit Rate (%)
November December January February

(effective from 5th)
1 Month 2.70 2.70 2.70 2.90
3 Months 2.90 2.90 2.90 3.10
4 Months 2.90 2.90 2.90 3.10
6 Months 2.95 2.95 2.95 3.20
7 Months 2.95 2.95 2.95 3.20
9 Months 2.95 2.95 2.95 3.20
12 Months 3.05 3.05 3.05 3.30
Eligible for protection by PIDM

Eligible for protection by PIDM

Eligible for protection by PIDM

Term Deposit-i (Commercial / Business Client)

Offer to buy commodity from Customers on deferred terms from 11th April 2014
2017
2018

 
Tenure Profit Rate (%)
November December January February

(effective from 5th)
1 Month 2.70 2.70 2.70 2.90
3 Months 2.90 2.90 2.90 3.10
6 Months 2.95 2.95 2.95 3.20
9 Months 2.95 2.95 2.95 3.20
12 Months 3.05 3.05 3.05 3.30
Eligible for protection by PIDM

General Investment Accounts1

General Investment Account-i (for deposits up to RM1 million only)
2017
PSR & Profit Paid (%)
Tenure August September October November December
1 Month 54 : 46

2.70%

 54 : 46

2.70%

 54 : 46

2.70%

 54 : 46

2.70%

 54 : 46

2.70%
3 Months 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%
4 Months 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%
6 Months 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%
7 Months 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%
9 Months 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%
12 Months 61 : 39

3.05%

 61 : 39

3.05%

 61 : 39

3.05%

 61 : 39

3.05%

 61 : 39

3.05%
General Investment Account-i (for SME customers)
2017
PSR & Profit Paid (%)
Tenure August September October November December
1 Month 54 : 46

2.70%

 54 : 46

2.70%

 54 : 46

2.70%

 54 : 46

2.70%

 54 : 46

2.70%
3 Months 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%

 58 : 42

2.90%
6 Months 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%
9 Months 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%

 59 : 41

2.95%
12 Months 61 : 39

3.05%

 61 : 39

3.05%

 61 : 39

3.05%

 61 : 39

3.05%

 61 : 39

3.05%

Others

Yield from Islamic Banking Assets
2017
AUG SEP OCT NOV DEC
5.00% 5.00% 5.00% 5.00% 5.00%
Addition notes
  1. *Product not available for account opening.
  2. Current monthly rates are computed at the middle of the month and will be available on the 16th or the next business day of the month.
  3. For Mudharabah Investment Account, previous rates are not guarantee or reflection of future rates.
Yield from Islamic Investment Accounts
2017
AUG SEP OCT NOV DEC
5.00% 5.00% 5.00% 5.00% 5.00%
Addition notes
  1. *Product not available for account opening.
  2. Current monthly rates are computed at the middle of the month and will be available on the 16th or the next business day of the month.
  3. For Mudharabah Investment Account, previous rates are not guarantee or reflection of future rates.

Islamic Home/Commercial Financing Reference Rate

 

Standardised Base Rate/ Kadar Asas Standard = 3.00%

What is the Standardised Base Rate (“SBR”)?
Apakah Kadar Asas Standard (“KAS”)?

The SBR is the reference rate that all banks will use starting from 1 August 2022 in the pricing of new retail floating-rate loans/financings, refinancing of existing retail loans/financings, and the renewal of revolving retail loans/financings from 1 August 2022. Retail loans/financings refer to loans/financings to individuals (not SMEs or businesses), while ‘floating-rate loans/financings’ refer to loans/financings where the interest/profit/rental rate can change during the lifetime of the loans/financing. The SBR is linked solely to the Overnight Policy Rate (OPR), as determined by the Monetary Policy Committee (MPC) of Bank Negara Malaysia.

KAS ialah kadar rujukan yang akan digunakan oleh semua bank mulai 1 Ogos 2022 dalam penetapan harga pinjaman/ pembiayaan kadar terapung runcit baharu, pembiayaan semula pinjaman/ pembiayaan runcit sedia ada, dan pembaharuan pinjaman/ pembiayaan runcit pusingan mulai 1 Ogos 2022 Pinjaman/pembiayaan runcit merujuk kepada pinjaman/pembiayaan kepada individu (bukan Pembiayaan Komersial untuk Syarikat (“PKS”) atau perniagaan), manakala ‘pinjaman/ pembiayaan kadar terapung’ merujuk kepada pinjaman/ pembiayaan di mana kadar faedah/ keuntungan/ sewaan boleh berubah sepanjang hayat pinjaman/ pembiayaan. KAS dikaitkan semata-mata kepada Kadar Dasar Semalaman (“KDS”), seperti yang ditentukan oleh Jawatankuasa Dasar Monetari (“MPC”) Bank Negara Malaysia.

What are the possible scenarios to trigger a change in SBR?
Apakah senario yang mungkin boleh mencetuskan perubahan dalam KAS?

 The SBR can rise or fall due to changes in the benchmark rate, i.e. changes in Overnight Policy Rate (“OPR”).

KAS boleh naik atau turun disebabkan oleh perubahan dalam kadar penanda aras, iaitu perubahan dalam Kadar Dasar Semalaman (“KDS”).

Effective date: 11 May 2023

Tarikh kuat kuasa: 11 May 2023

Applicable for new individual financing application.

Terpakai untuk permohonan pembiayaan individu baharu

 
BEFORE 11 May 2023/ SEBELUM 11 MAY 2023
FROM 11 MAY 2023/ DARI 11 MAY 2023
Reference Rate /                Kadar Rujukan SBR/ KAS = 2.75% SBR = 3.00%
Rental Rate /  Kadar Sewa SBR/ KAS + 1.75% SBR + 1.75%
Effective Rental Rate /        Kadar Sewa Berkesan 4.50% 4.75%
Monthly instalment /        Ansuran Bulanan  (RM) 1,773.40 1,825.77
FOR ILLUSTRATION PURPOSE / UNTUK TUJUAN ILUSTRASI:
Financing Amount / Jumlah Pembiayaan: RM350,000 (No Lock-In Period / Tiada Tempoh Berkunci)
Financing Tenure / Tempoh Pembiayaan: 30 years/ tahun
Note: Effective Rental Rate may vary if SBR, BR or BFR changes.                                                        Nota: Kadar Sewaan Berkesan mungkin berbeza jika KAS, KA atau KPA berubah.

Note: Effective Rental Rate may vary if SBR, BR or BFR changes.                                                        Nota: Kadar Sewaan Berkesan mungkin berbeza jika KAS, KA atau KPA berubah.

Historical benchmark of banner
For illustration purpose:
Financing Amount: RM350,000 (No Lock-In Period) Financing Tenure: 30 years

Base Financing Rate/ Kadar Pembiayaan Asas = 6.70%

 

Effective date: 11 May 2023
Tarikh Kuat Kuasa: 11 May 2023

Note:

  1. BFR is not applicable for new individual home/commercial financing applications from 2nd January 2015 onwards.
  2. BFR is applicable ONLY for commercial financing for company (“SME”).

Catatan:

  1. KPA tidak boleh digunakan untuk permohonan pembiayaan rumah/komersial individu baharu mulai 2 Januari 2015 dan seterusnya.
  2. KPA hanya terpakai untuk pembiayaan komersial untuk syarikat (“PKS”)

  

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