Participation Account

  • The Participation Account is for individuals looking to earn a return on surplus cash for a fixed period
  • The Participation Account is for short, medium or long-term investors
  • The flexibility of investment period, from 7 days to 720 days
  • The choice of electing to have profits paid out or reinvested on maturity
  • Additional deposit allowed at maturity
  • Download the Al Baraka SA Banking app to view your investment statement

Investment Period

Minimum Deposit

     7 Day Account

R250 000

     35 Day Account

R50 000

     91 Day Account

R1 000

     182 Day Account

R1 000

     365 Day Account

R1 000

     720 Day Account

R10 000


  • All deposits and withdrawals will be subject to Al Baraka's banking fees
  • Click here to view fees applicable 01 July 2023

The Bank earns profit from its financing activities which are carried out on the basis of Murabaha, Musharaka and Ijarah finance contracts. The profit earned is shared with the investment depositors based on the Bank’s profit distribution model.

Actual profit earned for the month is used to calculate the rate of return to the depositors and can vary month to month.

For the month the profit earned was

  Nov - 23 Oct- 23
7 day 2.13456% 2.13318%
35 day 4.62418% 4.62108%
91 day 4.98031% 4.97697%
182 day 5.15782% 5.15437%
365 day 5.51395% 5.51026%
720 day 5.86899% 5.86503%

The following documentation is required to apply:


  • South African bar-coded Identity Document/Smart ID
  • Proof of address not older than 3 months, for the verification of your residential address


  • Birth Certificate of minor or Smart ID for young adults age 16 and over
  • South African bar-coded Identity Document/Smart ID and proof of address not older than 3 months of parent or guardian, for the verification of their residential address

Click here to view all acceptable forms of proof of address required to open an account

With these on hand, you can then contact your nearest branch to apply, or complete the Contact Form on this page for our Sales Consultant to call you

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