South Africa
Personal
Business
Wealth

Shari’ah Business Fixed Deposit

Savings and investment Shari'ah banking

Get a term investment account that allows for Shari’ah-compliant investment opportunities.

Some of the benefits

Once-off deposit

Make a single deposit and share in the resulting profit

Short or long term

Choose your investment period up to 5 years

Partnership

Mudarabah profit-sharing model splits the gain on a 50/50 basis

Peace of mind

Shari’ah banking products following the principles of finance
SHARI’AH FIXED DEPOSIT INVESTMENT ACCOUNT INDICATIVE PROFIT RATES

View the indicative profit earned per account balance band

view indicative profit rates
What You Get
  • A Shari’ah-compliant business savings product
  • Weightage means the longer you invest the higher your return
  • Profit can be paid out during the term of your investment or at maturity
  • 33 days to 5 years to invest

See Shari’ah Fixed Deposit T&Cs
 See general  T&Cs

What it costs
  • No monthly fees
  • Early withdrawal fees apply

See 2024 pricing guide

How to get it
  • Visit your nearest branch
  • Apply via a Call me back
  • Speak to your Business Banker
  • What You Get
  • What it costs
  • How to get it
  • A Shari’ah-compliant business savings product
  • Weightage means the longer you invest the higher your return
  • Profit can be paid out during the term of your investment or at maturity
  • 33 days to 5 years to invest

See Shari’ah Fixed Deposit T&Cs
 See general  T&Cs

  • No monthly fees
  • Early withdrawal fees apply

See 2024 pricing guide

  • Visit your nearest branch
  • Apply via a Call me back
  • Speak to your Business Banker

Get rewarded for your everyday business purchases by joining our UCount Rewards for business programme. Earn Rewards Points every time you use your Business Credit, Cheque or Debit card to pay for your purchases - no need to swipe your Rewards Card to earn. 

1

Sign up for R 365 a year to collect Rewards Points, and activate your Business Rewards card to redeem them

2

Collect Rewards Points whenever you pay by credit, cheque or debit card

3

Use your Business Rewards card to redeem points for fuel, office supplies or travel deals

We also offer
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Shari’ah Forward Exchange Contracts (FEC)

The first Shari’ah-compliant FEC in South Africa to be contracted under the ISDA (International Swaps and Derivatives Association) Tahawwut Framework. This product allows you to hedge out your real foreign exchange (FX) risks in a Shari’ah-compliant manner.

Shariah Merchant Capital Cash Advance product image
Shari'ah Merchant Capital Cash Advance

Merchant Capital is a leading provider of alternative working capital solutions to SMEs in South Africa, having assisted thousands of retail businesses with millions in funding. A Shari'ah-compliant option is now available.