Fixed-term Islamic deposit research

Compare Islamic term deposits by term and profit basis

Review named fixed-term deposits by market, lock-up, funding rules and profit-payment basis before comparing any dated expected-profit figure.

View exact productsHow to compare

Comparison scope

Compare like with like

Fixed-term deposit products with explicit lock-up, funding, profit-payment, and residency rules. A headline expected-profit rate is only comparable when term, payment frequency, compounding, minimum balance, and early-access rules match.

  1. 01country and applicant eligibility
  2. 02term and Shariah structure
  3. 03minimum and maximum placement
  4. 04expected versus realised profit wording
  5. 05gross, nominal, effective, and compounding basis
  6. 06profit payment frequency
  7. 07additional-deposit and early-withdrawal rules
  8. 08maturity instruction and rollover default
  9. 09deposit-protection eligibility and limit

Exact product directory

Products, not provider labels

Every entry keeps the issuing or operating entity attached to a named product and market. A provider-wide Islamic label is never carried across products, countries or legal entities.

01United Kingdom

1 Year Fixed Term Woodland Saver

Gatehouse Bank plc

Product type
Shariah-operated fixed-term deposit
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • Applicants must be at least 18 and UK resident or UK resident for tax purposes.
  • The minimum deposit is GBP1,000 and maximum deposit is GBP1,000,000.
  • The term is one year and withdrawals before maturity are allowed only in exceptional circumstances under the terms.
  • The page lists 3.80% AER at the verification date, with annual or monthly profit-payment options.
  • If no maturity instruction is received, Gatehouse says the balance is transferred to an Easy Access account.
Evidence boundary. UK one-year issue only. The 3.80% AER is a point-in-time expected rate, not a permanent promise. Do not apply its rate, lock-up, maturity default, tree-planting feature, or FSCS treatment to another Gatehouse term or Cash ISA.
Gatehouse Bank 1 Year Fixed Term Woodland Saver ↗
02United Kingdom

12 Month Fixed Term Deposit

Al Rayan Bank PLC

Product type
Shariah-compliant fixed-term deposit
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • Applicants must be over 16 and reside in the UK or a non-EU country; the product is for sole applicants, not joint applications.
  • The minimum placement is GBP10,000 and maximum balance is GBP1,000,000.
  • The product has no cooling-off period and permits no withdrawal or closure before maturity.
  • Profit can be paid quarterly or retained and paid at maturity.
  • The page lists 4.85% when profit is reinvested to maturity at the verification date and states that funding must come from an account in the applicant's name within 28 days.
Evidence boundary. This evidence applies only to the 12-month sole-applicant product. The page also displays a lower gross annual figure for quarterly payment, so 4.85% must not be compared with a non-compounded rate. Residency wording is not universal onboarding approval.
Al Rayan Bank 12 Month Fixed Term Deposit ↗
03South Africa

FNB Islamic Term Deposit

First National Bank, a division of FirstRand Bank Limited

Product type
Mudarabah fixed-term deposit
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • The published minimum opening balance is ZAR10,000.
  • FNB offers a choice of investment term from 30 days to 60 months.
  • The product page states that there are no monthly fees.
  • Profit share may be paid monthly and can be reinvested or redirected.
  • The public document list asks new applicants for proof of residence and a South African ID book or ID card.
Evidence boundary. South Africa product only. FNB labels displayed profit rates as indicative; the chosen term, balance, payment frequency, early-access cost, tax, and final rate must be read from the live quote and account terms. A South African document list is not proof that every applicant will qualify.
FNB Islamic Term Deposit ↗
04Malaysia

Profit Now! Account-i

Maybank Islamic Berhad

Product type
Commodity Murabahah term deposit
Evidence status
Official fields checked
Checked
2026-09-19

Verified product fields

  • Maybank describes Profit Now! Account-i as a Commodity Murabahah term deposit.
  • The product offers terms from one to twelve months.
  • The profit rate is fixed upfront and the page describes cash being offered upon placement.
  • The published personal minimum is RM10,000 in RM1,000 increments.
  • Personal applicants must be aged 18 or above; the page also lists corporate and organisation eligibility.
Evidence boundary. Malaysia product only. No live profit rate is reproduced. Confirm placement date, tenure, premature withdrawal, upfront-payment treatment, takaful conditions, PIDM eligibility and current PDS before comparison.
Maybank Islamic Profit Now! Account-i ↗
05Malaysia

Fixed Deposit Account-i

CIMB Islamic Bank Berhad

Product type
Tawarruq fixed deposit
Evidence status
Partial record
Checked
2026-09-19

Verified product fields

  • CIMB renamed Fixed Return Income Account-i to Fixed Deposit Account-i effective 20 January 2024.
  • CIMB's amendment notice identifies Tawarruq via Commodity Murabahah as the product's Shariah principle.
  • The bank distinguishes maturity-return, monthly-return and Why Wait variants in its product terms.
  • Foreign Currency Fixed Deposit Account-i is a separate product and must not be merged with this ringgit account.
Evidence boundary. Malaysia product-definition evidence only. The notice is not a current placement quote. Verify the exact variant, tenure, minimum deposit, profit payment, early withdrawal, renewal and PIDM coverage using the current PDS and rate board.
CIMB notice renaming Fixed Deposit Account-i ↗
06Pakistan

Certificate of Islamic Investment

Meezan Bank Limited

Product type
Mudarabah term certificate
Evidence status
Official fields checked
Checked
2026-09-19

Verified product fields

  • Meezan describes the certificate as a Mudarabah-based deposit product.
  • Available terms are three months, six months, one year and one-and-a-half years.
  • Profit can be paid monthly for eligible terms or at maturity.
  • The published minimum investment is PKR50,000.
  • Premature withdrawal is available under an approved schedule rather than on unrestricted savings-account terms.
Evidence boundary. Pakistan product only. Monthly pool weightages and realised profit are variable, not guaranteed. The chosen term and payment frequency materially change the outcome; current withdrawal, tax and Zakat rules require separate verification.
Meezan Certificate of Islamic Investment ↗
07United Arab Emirates

Al Islami Investment Deposit

Dubai Islamic Bank Public Joint Stock Company

Product type
Islamic investment deposit
Evidence status
Partial record
Checked
2026-09-19

Verified product fields

  • DIB publishes Al Islami Investment Deposit as a distinct personal deposit product.
  • The product supports multiple currencies and flexible tenures.
  • DIB states that the account can be opened for minors, subject to its onboarding rules.
  • Applications may be placed through online, mobile or phone banking or a branch.
  • The page links to a separate KFS, terms, warning and Shariah certificate.
Evidence boundary. UAE DIB product only. Expected profit is not a guaranteed rate. Currency, tenure, minimum placement, premature encashment, minor-account control and maturity instructions must be taken from the current KFS and deposit confirmation.
DIB Al Islami Investment Deposit ↗
08United Arab Emirates

Retail Wakala Deposit - AED

Dubai Islamic Bank Public Joint Stock Company

Product type
AED Wakala deposit
Evidence status
Partial record
Checked
2026-09-19

Verified product fields

  • DIB publishes a named Retail Wakala Deposit denominated in UAE dirhams.
  • The product page presents multiple deposit-term options and a reinvestment option.
  • The published minimum placement is AED25,000.
  • DIB states that there is no account-maintenance fee for the product.
Evidence boundary. AED retail Wakala product only. Marketing expected-profit figures are dated and omitted here. Confirm the exact tenure, agency arrangement, early termination, reinvestment, maturity and loss-risk wording in the live KFS and contract.
DIB Retail Wakala Deposit - AED ↗

Research method

How to use this channel

  1. 01

    Choose the exact need

    Start with term deposits and the market where you can legally apply or purchase.

  2. 02

    Verify the exact product

    Match the legal entity, product name, eligibility, current terms and first-party source—not just the brand.

  3. 03

    Recheck before acting

    Rates, contributions, fees, limits and availability change. Obtain the current terms or quote from the provider.