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国家 / 🇲🇾 Malaysia

在 Malaysia 的最佳 fixed deposit 利率

来自 9 家供应商的 MYR fixed deposit 利率，每日直接从各银行网站读取，另有 1 家供应商待检查。按利率排序；无付费排名。

上次检查 18 Oct 2026, 05:37 UTC · 全部 10 家供应商 · savings account

最佳 3 个月利率

3.18% 年利率

GXBank

基准利率

最佳 6 个月利率

3.80% 年利率

GXBank

基准利率

最佳 12 个月利率

1.90% 年利率

CIMB Bank

基准利率

针对 RM10,000 存款的最佳利率，向所有客户开放。促销可能提前结束，请向银行确认。

比较 fixed deposit 利率

期限
利率类型
选项

6 家银行提供 RM10,000 的12个月利率

银行年利率期限存款详情链接
CIMB BankFixed Deposit1.90%≈ RM190 (12 个月)12 个月未说明基准利率
Board rate, inclusive of all conventional FD; eFD promotions are separate
前往银行
MaybankFixed Deposit Account1.90%≈ RM190 (12 个月)12 个月未说明基准利率
Board rate; promotional FD rates are published separately
前往银行
AmBankConventional Fixed Deposit1.80%≈ RM180 (12 个月)12 个月未说明基准利率
Board rate; Minimum RM5,000 for 1-month tenure, RM500 for longer tenures; Age 18 and above
前往银行
Hong Leong BankFixed Deposit1.80%≈ RM180 (12 个月)12 个月未说明基准利率
Board rate
前往银行
Public BankFixed Deposit1.80%≈ RM180 (12 个月)12 个月未说明基准利率
Board rate; refer to account-holding branch for applicable rates; 13-60 months negotiable
前往银行
RHB BankOrdinary Fixed Deposit1.80%≈ RM180 (12 个月)12 个月未说明基准利率
Board rate; tenures above 12 months negotiable
前往银行

"Fresh funds" 指的是从其他银行转入的资金。Board rates 是基准利率；promos 是限时优惠。 我们如何收集并核查利率.

How is this list ordered?

By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.

Plan your deposit

Best rate by term

1 months: 1.75% at CIMB Bank1.75%1 个月2 months: 1.75% at CIMB Bank1.75%2 个月3 months: 3.18% at GXBank3.18%3 个月4 months: 1.85% at CIMB Bank1.85%4 个月6 months: 3.80% at GXBank3.80%6 个月9 months: 1.90% at CIMB Bank1.90%9 个月12 months: 1.90% at CIMB Bank1.90%12 个月18 months: 2.00% at AmBank2.00%18 个月24 months: 2.00% at AmBank2.00%24 个月36 months: 2.05% at CIMB Bank2.05%36 个月

Best rate open to any customer for RM10,000 at each term, from today's verified offers. Hover a point for the bank.

利率上升时发送邮件给我

双重确认：先通过邮件确认。当您的期限和金额的最佳利率上升时发送一封邮件。点击一次即可退订。

官方基准

Overnight Policy Rate (OPR) 2026-09-032.75%

来源：bnm.gov.my。仅作参考，不构成推荐。

存款保障：PIDM

限额RM250,000

Eligible deposits at PIDM member banks are protected up to RM250,000 per depositor per member bank; the limit includes principal and interest/return. Islamic deposits are protected separately from conventional ones. 来源, 已检查 2026-10-18.

Where does your money earn most in Malaysia?

Best 12-month fixed deposit (CIMB Bank)1.90%
Best savings account (Boost Bank)3.30%
Overnight Policy Rate (OPR)2.75%

Best 12-month deposit and best savings rate open to any customer, next to the official benchmark. Savings rates are variable and often conditional.

更多 fixed deposit 提供商在 Malaysia

我们列出这些提供商，但尚未自动读取它们的利率，因此我们从不显示具体数字。请在银行官网查看利率。 Know a bank we should read? Suggest it.

Questions about deposits in Malaysia

What is the best 12-month fixed deposit rate in Malaysia today?

1.90% p.a. at CIMB Bank (minimum deposit: 未说明), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

What is the best 6-month fixed deposit rate in Malaysia today?

3.80% p.a. at GXBank (minimum deposit: 未说明), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.

Are fixed deposits in Malaysia protected?

Eligible deposits at PIDM member banks are protected up to RM250,000 per depositor per member bank; the limit includes principal and interest/return. Islamic deposits are protected separately from conventional ones.

How many banks do you compare in Malaysia?

We list 10 providers. Rates for 9 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.

How do fixed deposit rates compare with the Overnight Policy Rate (OPR)?

The Overnight Policy Rate (OPR) is 2.75% (2026-09-03). The best 12-month fixed deposit rate open to any customer today is 1.90%.

Deposit rates in nearby countries

🇮🇳 India🇨🇳 China🇮🇩 Indonesia🇵🇰 Pakistan🇧🇩 Bangladesh🇯🇵 Japan🇵🇭 Philippines🇻🇳 Vietnam

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Missing a bank? Suggest one

我们是比较服务平台，而非银行：我们不接受存款。利率可能随时变动；请在存款前向银行确认。此信息不构成理财建议。