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Increase your investment returns the Syariah-compliant way.


Increase Your Return in Line with Syariah Principles

Term Deposit-i from Standard Chartered Saadiq is a world class Islamic account that meets your financial needs.

We believe you should be able to seek the potential to earn competitive returns on your deposit without compromising your beliefs. If you are a short to medium-term investor and want your money to work harder for you, regardless whether you are a Muslim or a non-Muslim, then our Term Deposit-i may be a suitable product for you.

How Term Deposit-i Works For You

Murabahah is the Syariah concept of cost plus sale where it involves you buying a commodity and then selling it at cost plus profit. You will receive the proceeds of your sale in cash on deferred terms.


  • We identify the commodity to be purchased by you.
  • We will purchase the commodity on your behalf. You will have to deposit your funds with us to purchase the commodity.
  • You may then sell the commodity to us at cost plus profit to be agreed between us.
  • You will be paid the proceeds of your sale on deferred terms.
Flexible Tenures Choose from 1-12 months tenure, whichever suits your needs.
Syariah Compliant All transactions are approved by our Syariah Advisory Committee and in accordance with Syariah principles.
Monthly Statement Each month we will send you a statement that helps you keep track of all transactions performed on your account. If you have more than one account with us, we will send you a consolidated statement for an all-in-one monthly report. This way, you can tell your financial position at a glance.

Kindly note the cut off time for Term Deposit-i is 3.00pm daily.

Term Deposit-i is eligible for protection by PIDM.


    • Available to all Muslims and Non-Muslims
    • Individual account or joint account

      Minimum deposit is MYR5,000 for 1-month placement or MYR1,000 for placements over 3 months. To apply, all you need is a copy of your NRIC. Account holder must be at least 18 years old.

    • Sole proprietor / partnership

      Minimum deposit is MYR5,000.00, and the following documents are needed:

      • Business Registration (Form A)
      • Company License (Form D)
      • Copy of NRIC of all partners as individual customer
    • Corporate or non-profit organisation (club / society / association / cooperative)

      Minimum deposit is MYR5,000, or MYR1,000 for placements over 3 months. The following documents are needed:

      • Copy of NRIC
      • Certified copy of Rules and Regulations
      • Certified copy of a Resolution to open the account signed by the chairman and secretary
      • Certified copy of the Certificate of Registration
    • Private Limited Companies

      Minimum deposit is MYR5,000, or MYR1,000 for placements over 3 months. The following documents are needed:

      • Identity documents of all directors and signatories
      • Certified copy of the Certificate of Incorporation (Form 49)
      • Certified copy of the Return of Allotment of Shares (Form 24)
      • Certified copy of Memorandum and Articles of Association
      • Certified copy of a Board Resolution regulating the conduct of the account
      • Certificate by the Registrar of Company that the company is entitled to commence business
      • Certified copy of a Resolution to open the account signed by the chairman and secretary

Member PIDM

Perdankan Islam | Standard Chartered Saadiq

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