If you are looking for a secure and rewarding way to grow your savings, fixed deposits continue to be one of the most reliable investment options in Malaysia. In 2026, the latest fd promotion malaysia packages offer competitive interest rates, online convenience, and the assurance of principal protection. Whether you are a seasoned saver or just beginning your financial journey, fixed deposits provide stability, predictable returns, and peace of mind.
With this year bringing a fresh set of online-exclusive offers and straightforward deposit terms, 2026 is an ideal time to explore the best fixed deposit promotion malaysia has to offer. This guide walks you through the top FD accounts, current interest rates, and practical tips to maximize your returns without worrying about market volatility.
Why Fixed Deposits Remain a Smart Choice in 2026
However, fixed deposits are also widely used because they are risk-free and provide a fixed return. The fixed nature of your initial and interest amounts is a definite advantage when compared to other investments that are subject to varying levels of risk and volatility in their returns. Fixed deposits also provide flexible term options that range from a month to five years.
The other important strength brought in by 2026 is the online services provided by most banks. The attractive promotion rate provided bythe e-FD services makes it easy to open, keep, and renew an FD account. Additionally, an FD account offers a low-risk program that shields amounts up to a maximum of RM 250,000 per depositor per bank with protection provided under PIDM, making it an incredibly reliable product to save funds into.
Top Fixed Deposit Promotions Malaysia 2026
Bank Rakyat is a favorite among depositors because of their strong brand and the attractive rates promoted in the bank rakyat FD promotion. The FD account offered by the bank has a tenure that ranges from 12 to 36 months, and the highest rate offered is 3.6% per annum. The bank also has incentives offered to persuade people to save and reward their loyal customers.
The CIMB’s eFD promotion centers primarily on convenience and flexibility, offering tenures that range from one to twelve months at an interest rate of up to 3.3% p.a. The completely online CIMB Clicks placement offers customers an opportunity to enjoy competitive interest rates, which can be renewed automatically.
Alliance Fixed Deposit remains a good option for those looking for liquidity management. With tenure options ranging from three months to twenty-four months, the Alliance Fixed Deposit offers a maximum rate of interest of 3.1% per annum. The online service enables the easy application and subsequent tracking of the fixed deposit.
With its FD promotion in 2026, Maybank provides attractive interest rates of up to 3.5% per annum for terms between one and thirty-six months. Special Internet rates and Senior Citizen Promotions make Maybank an attractive and convenient alternative for accessible and reliable savings solutions. Public Bank, renowned for its stability and consistency in its programs, is also a stable fixed deposit destination for terms between one and sixty months at an interest rate of up to 3.4% per annum.
Compare Malaysia Fixed Deposit Promotions 2026
| Bank | Tenure | Interest Rate (p.a.) | Highlights |
| Bank Rakyat FD Promotion | 12–36 months | Up to 3.6% | Online incentives, loyalty rewards for members, ideal for medium-term savings |
| CIMB eFD Promotion | 1–12 months | Up to 3.3% | Fast online placement, auto-renewal, flexible short tenures, digital-only convenience |
| Alliance Fixed Deposit | 3–24 months | Up to 3.1% | High liquidity, quick online application, easy monitoring via Alliance Online |
| Maybank FD Promotion 2026 | 1–36 months | Up to 3.5% | Special online rates for seniors, bonus rates during festive promotions, flexible tenures |
| Public Bank Fixed Deposit | 1–60 months | Up to 3.4% | Long-term deposits, auto-renewal convenience, bonus rates for loyal customers |
This table provides a clear comparison of top fd promotion malaysia options in 2026, helping savers quickly understand tenures, interest rates, and key benefits before making a decision.
Choosing the Right Fixed Deposit
To choose the most attractive fixed deposit promotion Malaysia, it is necessary to consider a number of aspects. The interest rates offered should be compared, as a slight difference may cause a significant effect on the future outcome. The flexibility of tenure offered should also be taken into account. Short-term fixed deposits are liquid, while long-term deposits may give higher interest rates.
It is also important to know the terms regarding early withdrawals, as early closure may affect the returns or incur charges. Internet-only deals may also offer better returns than those offered in the branches, and it is a good idea to consider internet options too. Finally, it is important to consider the minimum required deposits to ensure you choose an FD within your budget, and it may cost between RM1,000 to RM5,000 based on the bank and the duration.
Smart Tips to Maximise Your FD Returns
For you to maximize your fixed deposit placement for the year 2026, you may opt for a ladder strategy by allocating your money into various terms of fixed deposit facilities. In addition, taking advantage of bonus interest rates for e-FD renewals, as well as not making early withdrawals, helps you maximize the benefits of the fixed deposit scheme, while monitoring the Overnight Policy Rates helps you take advantage of the highest rates during their peak periods. Taking advantage of holiday bonus interest rates helps you maximize your fixed deposit yield.
Benefits of Fixed Deposit Promotions
Being part of FD promotions in Malaysia in 2026 offers several benefits. Your money is secured, and the principal is protected, making it a perfect investment opportunity for conservative and risk-averse investors. Your money earns interest on a regular basis, and you can easily view and renew your accounts online, which is quite convenient and easy. Your banks might also give you bonus interest or rewards for new accounts, which increases the value of your investment
FAQs – Fixed Deposit Malaysia 2026
1. What is the best fd promotion malaysia in 2026?
The best fd promotion malaysia in 2026 depends on your savings goals and tenure preferences. Banks like Bank Rakyat, CIMB, Maybank, Alliance Bank, and Public Bank offer competitive rates ranging from 3.0% to 3.6% per annum. Online-exclusive promotions often provide slightly higher rates than branch-based deposits, making them ideal for digital-savvy savers.
2. How much interest can I earn from a fixed deposit in Malaysia 2026?
Interest depends on the bank, tenure, and promotion type. For example, RM10,000 deposited at 3.5% per annum can earn approximately RM350 annually. Shorter tenures typically offer slightly lower rates, while longer-term or promotional FDs can reach up to 3.6% per annum.
3. Are fixed deposits in Malaysia safe in 2026?
Yes, fixed deposits are among the safest investment options. All major Malaysian banks are regulated by Bank Negara Malaysia, and deposits are protected by PIDM up to RM250,000 per depositor per bank. Participating in fixed deposit promotion malaysia campaigns does not affect the principal’s safety.
4. Can I open a fixed deposit online in 2026?
Yes, most banks provide online FD services (e-FDs) in 2026. Online placements often offer better promotional rates than in-branch applications. CIMB eFD, Bank Rakyat online FD, and Alliance Fixed Deposit online services allow quick application, auto-renewal, and easy management through mobile banking platforms.
5. What is the minimum deposit for a fixed deposit in Malaysia?
The minimum deposit for an FD typically ranges from RM1,000 to RM5,000, depending on the bank and the tenure. Some banks offer lower minimums for online or promotional FDs, making it easier for new investors to participate in fd promotion malaysia schemes.
6. Can I withdraw my fixed deposit before maturity in 2026?
Yes, premature withdrawals are allowed, but they usually result in reduced interest or penalties. Each bank sets its own rules, so it’s important to review the terms when choosing a fixed deposit promo to ensure flexibility if you might need early access to your funds.
7. How do FD promotions differ from regular fixed deposits?
FD promotions are temporary offers that provide higher interest rates than standard FDs. Banks often offer these promotions online or for specific tenures, rewarding new customers or digital placements. Participating in a fd promotion can help maximize returns without increasing risk.
8. Can seniors or first-time investors benefit from FD promotions in 2026?
Yes. Many banks provide special rates for senior citizens or first-time depositors. Promotions often include higher interest rates or added incentives for online applications, making FDs a practical choice for both new and experienced savers.
Conclusion
The right decision in fd promotion malaysia in 2026 will help you grow your savings in a safe way. It is recommended that you compare the rates of interest offered by the FDs to get the best returns from them in a secure way. It is not necessary that the FD offering the highest rate of return is the best option for you; it is the one that meets your needs. Avail the best FD promotion in malaysia in 2026.
