Your Path to a More Blessed Financial Life Starts with a Financial Hijrah

Hijrah is more than just a physical journey—it’s a transformative shift in all aspects of life, including how we manage money. In today’s increasingly complex world, more Muslims are recognizing the importance of financial hijrah: transitioning from conventional financial systems to those aligned with Islamic principles—halal, just, and filled with blessings.

Financial hijrah isn't about how much you save—it's about your commitment to handling wealth in a way that brings value both in this world and the hereafter. As Indonesia’s pioneer in Islamic banking, Bank Muamalat is here to support every step of your journey. Through our range of Sharia-compliant savings products, you can begin anytime and from anywhere—whether you're saving daily, running a business, or preparing for your pilgrimage to the Holy Land.

Start Small, Change Big: A Simple First Step Toward Financial Hijrah

Embarking on your financial hijrah can begin with something as simple as switching your savings account to a Sharia-based one. iB Hijrah Saving Account is built on the wadiah (safekeeping) contract—meaning there are no monthly fees or hidden deductions.

It’s an ideal choice for anyone who wants to:

Save without worrying about monthly charges
Enjoy seamless digital banking via the Muamalat DIN (MDIN) app
Start a gradual, meaningful transition to Sharia-compliant finance

With a low initial deposit, full banking services, and operations in line with Islamic principles, iB Hijrah Saving Account is the perfect fit for employees, homemakers, or anyone seeking a trustworthy and responsible way to save.

Manage Your Salary the Sharia Way

For office workers, civil servants, and employees across industries, managing monthly income can often be a challenge. Financial hijrah can begin by directing your salary into a Sharia-compliant payroll account such as Tabungan iB Hijrah Payroll. This account not only comes with zero monthly admin fees but also offers full access to digital banking and daily transactions.

Why Choose Tabungan iB Hijrah Payroll?

No monthly administrative fees
Easy, hassle-free transactions via the Muamalat DIN app
Simple transfers, payments, and e-wallet
Great for both personal and family budgeting

Switching to a Sharia payroll account helps you not only manage your income better but also preserve barakah (blessings) in your financial planning and spending.

A Spiritual Milestone: Saving for Your Hajj

For Muslims, Hajj is not just a physical journey but a deeply spiritual one that requires both emotional and financial preparation. The Rekening Tabungan Jemaah Haji (RTJH) from Bank Muamalat is designed to help you save gradually and securely for this once-in-a-lifetime experience. It’s directly integrated with the Ministry of Religious Affairs’ official SISKOHAT system.

Key Benefits of RTJH:

No monthly service fees
Shar-E Debit Card & Online Debit (VISA) with exclusive shopping discounts
Full e-banking access via Muamalat DIN and Internet Banking
VISA card benefits in Saudi Arabia
5x transaction fee subsidies—after making five eligible MDIN transactions (BI-Fast transfers, Telkom/PLN bill payments, or e-wallet top-ups)

Opening an RTJH account marks your first responsible step toward fulfilling one of the pillars of Islam—planned, secure, and spiritually rewarding.

Unlimited BI-Fast Transfers for Your Hijrah Journey

To support customers on their financial hijrah journey, Bank Muamalat offers a special Unlimited BI-Fast Benefit Program. With this program, customers can enjoy unlimited fee reimbursements for interbank BI-Fast transfers made via the Muamalat DIN app.

Program Details:

Period: June – August 2025
Eligible Products: Tabungan iB Hijrah, iB Hijrah Payroll, and RTJH
Requirement: Transactions must be made via the MDIN app
Benefit: BI-Fast transfer fee of Rp2.500 will be refunded to your account the following month, no later than the 15th

No minimum balance, no transaction limits—just make your usual transfers, and the fees will be automatically reimbursed.

Make Your Financial Hijrah Happen Today

Switching to a Sharia-based savings account, running a business with halal contracts, or planning your pilgrimage in an organized way—these are all meaningful acts of financial hijrah. And Bank Muamalat is here to support you at every stage—not just as a bank, but as your partner in living a more blessed financial life.

Open your Sharia account today and take advantage of our Unlimited BI-Fast benefits. For more information, contact SalaMuamalat 1500016 or visit the nearest Bank Muamalat branch.