Premium Investment 365

  • The Premium Investment 365 is for individuals looking to earn a return on surplus cash for a fixed period
  • The Premium Investment 365 is for medium or long-term investor
  • 12 month fixed investment account
  • Investors earn a highly competitive rate of return when compared to the other investment products offered by Al Baraka Bank
  • Profits are paid annually upon maturity
  • The choice of electing to have profits paid out or reinvested on maturity
  • Download the Al Baraka SA Banking app to view your investment statements
  • An initial minimum deposit of R2 million is required for a fixed 12-month period
  • Additional minimum investment of R500 000 on maturity
  • 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 of April 2024 the profit earned was 6.772% ( March 2024 - 6.770%)

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

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

My full name is

You can reach me on