Invest in gold the Shariah-compliant way with MIGA-i, fully backed by 999.9 purity LBMA-certified gold.
Why Investing in Gold Matters Right Now?
Gold has long been seen as a safe haven — a reliable store of value during times of uncertainty. With today’s global and local economic challenges, gold is more relevant than ever. But beyond tradition, it now plays a meaningful role in modern Islamic Financial Planning.
Economic instability is all around us:
- Inflation is driving up everyday costs, eating into the value of savings
- Currency fluctuations — especially the weakening of the Ringgit against the US Dollar — affect purchasing power
- Ongoing geopolitical tensions and market volatility increase risks for traditional investments like stocks
This is why many investors are turning to gold:
- It's a hedge against inflation and currency depreciation
- It’s considered a safe-haven asset, especially in uncertain times
- It helps diversify your portfolio by balancing risk from other asset classes
Bottom line: Gold helps protect your wealth — and with MIGA-i, you can do it the Shariah-compliant way.
What is MIGA-i?
MIGA-i (Maybank Islamic Gold Account-i) is a Shariah-compliant gold investment account backed by physical 999.9 purity gold, certified by the London Bullion Market Association (LBMA).
What Makes MIGA-i Unique?
- No riba (interest) or speculative trading
- Fully backed by tangible, certified gold
- Transparent pricing based on live market rates
Other Key Benefits of MIGA-i
- Shariah-Compliant Structure
Built on Islamic contracts that ensure ethical and permissible transactions:
- Musawamah – Spot transactions
- Wa’ad – Promise to buy/sell
- Ujrah – Transparent service fee
- Wakalah – Agency for storage and redemption
- Low Entry Point
SFrom as little as RM10, making it accessible for everyone. - Real-Time Market Pricing
Buy and sell instantly based on live gold prices via Maybank2u, with price tracking available on the MAE app. - Physical Gold Conversion
Option to convert your holdings into physical gold bars (1g to 1000g) whenever you choose. - Fully Digital Convenience
Manage your gold portfolio entirely online, daily from 8:30 AM to 11:59 PM — hassle-free and secure. - Auto Alerts & Price Triggers
Set your own target prices and receive instant notifications to help you make informed decisions.
Islamic Wealth Management & How MIGA-i Fits Into Your Financial Plan
MIGA-i is more than just a gold account — it plays an essential role in Islamic Wealth Management, which focuses on ethical, responsible and Shariah-compliant financial planning.
Through MIGA-i, you can:
- Preserve your wealth (Hifz al-Mal) by investing in a real, inflation-resistant asset
- Diversify your Islamic portfolio alongside takaful, Islamic unit trusts, or sukuk
- Align with maqasid al-Shariah (the objectives of Shariah), by investing in a tangible, halal asset that avoids riba, gharar, and maysir
- Work towards long-term financial goals — like retirement, education, or Hajj — while staying true to your values
MIGA-i makes Islamic Financial Planning more practical and accessible for all.
Who Can Open a MIGA-i Account?
| Eligible Applicants | Where to Apply |
|---|---|
| Individuals (18 years and above) | Online via Maybank2u & MAE App |
| Joint & In-Trust Accounts | Apply at a Maybank branch |
| Sole Proprietors & Non-Citizens | Apply at a Maybank branch |
Note: Online application is only available for individuals aged 18 and above.
How to Start Investing in Gold with MIGA-i
Maybank2u
- Log in to Maybank2u
- Navigate to the ‘Apply’ section
- Select Maybank Islamic Gold Account-i (MIGA-i) and follow the on-screen instructions and fill in the application form
- Activate your account with buying a minimum of RM10
- Approve the transaction and your MIGA-i account activation is successful!
- Launch the MAE app and tap “Apply”
- Navigate to the Investments tab and select Maybank Islamic Gold Account-i (MIGA-i)
- Then follow the on-screen instructions and fill in the application form
- Buy a minimum RM10 worth of gold to activate your account
- Approve the transaction and your MIGA-i account activation is successful!
MAE App
Once activated, you can start buying and selling gold instantly online at any time between 8:30am and 11:59pm daily.
Glossary of Key Islamic Finance Terms
| Term | Where to Apply |
|---|---|
| Shariah | Islamic law derived from the Quran and Sunnah, guiding ethical and financial practices. |
| Maqasid al-Shariah | Objectives or goals of Islamic law. |
| Riba | Interest; prohibited in Islamic finance as it leads to unjust gains. |
| Gharar | Excessive uncertainty in a transaction, which must be avoided. |
| Maysir | Speculation or gambling, which is not allowed in Islamic transactions. |
| Musawamah | A sale contract where both parties agree on a price without disclosing the cost price. |
| Wa’ad | A unilateral or mutual promise to buy/sell at a future point under agreed terms. |
| Ujrah | A fee charged for services rendered, such as gold delivery or storage. |
| Wakalah | An agency agreement where the customer appoints the bank to act on their behalf. |
| Hifz al-Mal | The preservation of wealth. |
Note: Online application is only available for individuals aged 18 and above.
In today’s uncertain economic climate, protecting and growing wealth responsibly is more important than ever. MIGA-i empowers you to do this the Islamic way — through ethical investing in real, tangible gold. For more details, visit Islamic Gold Account-i | Gold Investment Account | Maybank Malaysia or go to our nearest branch today!
