Be U Al-Awfar is an investment account based on the Mudarabah concept, where funds are invested in Shariah-compliant assets and returns are shared between the Bank and the customer. The principal amount is not guaranteed, and the account is not protected by PIDM.

 

Be U Qard Savings Account-i (QSA), on the other hand, is a savings account based on the Qard concept. Funds deposited in a QSA are guaranteed by the Bank and are protected by PIDM up to RM250,000 per depositor, subject to PIDM terms.

 

QSA is intended for daily transactions and safekeeping of funds, while Al-Awfar is designed for investment and prize-based rewards.