Al-Mudharabah is a contract made between a depositor who acts as "the provider of capital" and the bank who acts as "the entrepreneur". The amount deposited for a stipulated period by the depositor will be used by the bank for investment purposes according to the Al-Mudharabah principle.

All profits earned will be shared between the depositor and the bank in the ratio of 75:25. Profits will be declared monthly.

A minimum deposit of RM5,000 for one month and 2 months deposit and RM500 for three months and above is needed. Dividends will be paid upon maturity based on the monthly declared rate.

This account is eligible to all individuals, Government Departments, partnerships, firms, corporations, societies, associations and other business enterprises. For individuals below 15 years of age, the account shall be opened in the name of the guardian.