Personal Banking

Savings / Investment-i
Investment Account – i Rizq Plus is an Investment Account product which allow you to invest and potentially earn higher returns while at the same time gives you the opportunity of winning attractive prizes.


Mudarabah
  • Potential to earn higher returns
  • Attractive prizes to be won
  • Frequent prize draw.
  • Stable profit rate
  • Various segments of prizes
  • High opportunity of winning
  • Debit Card-i facility (combo card) for cash withdrawals at Bank Rakyat ATMs or any ATMs with MEPS/BANKCARD logo nationwide 
  • i-Rakyat internet banking facility

PSR and Profit Rates
Ratio Profit Sharing Ration (PSR)
(Customer : Bank)
0 – 4,999.99 1:99
5,000 - 9,999.99 2:98
10,000 – 49,999.99 3:97
50,000 – 999,999.99 21:79
1,000,000 and above 51:49
 












*The customer will obtain the profit of the investment based on the profit-sharing ratio that has been agreed with the Bank
  • Individual /Joint/ Trust
  • Residents and Non-Residents 
Initial Investment of RM100
Individuals / Joint
  • Identity Card
Trust Account
  • Mykid
  • Birth Certificate
  • Photocopy of mother / father / legal   guardian's identity
Non - Resident  
For those employed:
  • Passport
  • Work Permit
  • Company verification letter (employer)
 
For students:
  • Passport
  • Student Card / Matrix Card
  • Student Pass
  • Higher Education Institute (IPT) verification letter
  •  

Customer may visit any Bank Rakyat branches OR book an appointment at https://appointment.bankrakyat.com.my for account opening.
No SUBJECT CHARGES
  Deposits
1. Deposit of Coins Free
  Withdrawals
2. Exchange of Coins Free
  Closure of Account
3. Closure within 3 months of Opening RM20.00
*For Account with balance below RM20, the Bank will absorb the remaining balance in the account as service charge
  General
4. Debit Card-i Annual Fee RM8.00
Card Replacement RM12.00
Lost /Stolen
Damage Card/Chip RM0.00