Maybank SG Saver Series 2026 I-Structured Deposit: up to 11.28% total profit over 6 years, apply by 13 Feb 2026

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Maybank Saver Series 2026 I-Structured Deposit (Tranche 1) is positioned as a longer-term, structured deposit option for customers who are comfortable locking in funds for a set tenure in exchange for a stated profit schedule.

Maybank states this is an Islamic structured deposit offering 1.88% p.a. profit. Profit is payable only if the deposit is held to the deferred payment date (maturity) or, where applicable, an optional early payment date, and outcomes are subject to the product’s terms and the bank’s credit risk.

Promotion window: Applications are available until 13 February 2026. The minimum placement is SGD30,000.

Principal: Maybank states 100% principal is guaranteed by the Bank at the deferred payment date (maturity), or (if applicable) the optional early payment date, provided the deposit is held to that date.

Risk warning: Maybank states customers take on the credit risk of the bank. If the bank becomes insolvent, or if the customer requests early payment prior to the deferred payment date, the customer may not receive any profit and may lose some or all of the original purchase amount.

Highlights

• Tenure: 6-year callable I-Structured Deposit
• Payout style: Maybank states profit payment every year; profit is payable only if the I-Structured Deposit is held to the deferred payment date (maturity) or (if applicable) the optional early payment date.
• Upside headline: Maximum potential profit of up to 11.28% on the SGD tranche over 6 years (based on the stated yearly rates)

Profit schedule

How to read the numbers 😊 The 1.88% is shown as an annual profit rate, and 11.28% is the maximum potential total profit over 6 years (1.88% × 6). Maybank states this maximum total profit is payable only if there is no early payment by the bank, and profit is payable only if the deposit is held to the relevant payment date (maturity / optional early payment date).

Important considerations (structured deposits are different from fixed deposits)

• ℹ Higher risk profile than a normal fixed deposit: Even with principal protection at the deferred payment date, structured deposits can have product-specific conditions (including callable features) that affect holding period, liquidity, and outcomes.
• ℹ Not insured: These are NOT insured deposits for the purposes of the Deposit Insurance and Policy Owners’ Protection Schemes Act 2011.
• ℹ Liquidity matters: Structured deposits are generally designed to be held to maturity (or the relevant payment date). Customers should check what happens if funds are needed before the scheduled dates.
• ℹ Callable feature: “Callable” typically means the bank may have the right to redeem the deposit early under specified terms. Interested customers should read the full T&Cs to understand how this may impact total profit received.

Callable feature & early payment (important)

• Maybank may make an early payment on each Potential Optional Early Payment Date (the bank has the right but not the obligation), by giving no less than 5 days’ oral or written notice.
• If the bank makes an early payment, no further profits will be payable after that date.
• The maximum potential total profit of 11.28% is stated as payable only if there is no early payment by the bank.

How to learn more / apply

1. Review the product features, scenarios and eligibility in the official T&Cs.
2. Confirm the placement amount (minimum SGD30,000) and the holding period fits personal cashflow needs.
3. Submit the application through Maybank Singapore’s stated channels for this tranche.

Maybank Saver Series 2026 I-Structured Deposit (Tranche 1) may appeal to customers who prefer a stated annual profit schedule and can commit funds over a longer horizon, while accepting that structured deposits come with extra terms and are not insured. As always, customers should rely on the official T&Cs and ensure the product fits their risk comfort and liquidity needs before committing.

For more info and full T&Cs, view the details on Maybank’s website.

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