Deposit insurance is a system that is established by the Government to protect depositors against the loss of their insured deposits placed with banks in the unlikely event of a bank failure. The deposit insurance system also aims to enhance the consumer protection framework and promote financial system stability.
The deposit insurance system in Malaysia was launched in September 2005 and is administered by Perbadanan Insurans Deposit Malaysia (PIDM). PIDM is a Government agency established under the Malaysia Deposit Insurance Corporation Act 2005.
With the introduction of a deposit insurance system in Malaysia, depositors receive protection for their deposits with banks and/or financial institutions. Depositors will know how and when reimbursement of their deposits will be made in the event of a bank failure.
The following are deposit accounts held by or for an individual, company or NGO which will be insured up to the limits specified in the Malaysia Deposit Insurance Corporation Act 2005.
| No. | Product Name | Deposit Type | Currency | Product Code |
| 1 | Basic Current Account | Demand Deposit | Ringgit | 0226CR0100000001 |
| 2 | Basic Savings Account | Savings Deposit | Ringgit | 0226CR0200000004 |
| 3 | Current Account – Chequeing | Demand Deposit | Ringgit | 0226CR0100000002 |
| 4 | InvestPro Account | Savings Deposit | Ringgit | 0226CR0200000005 |
| 5 | FD Plus | Fixed Deposit | Ringgit | 0226CR0300000002 |
| 6 | Fixed Deposit | Fixed Deposit | Ringgit | 0226CR0300000001 |
| 7 | Flexi Mortgage | Demand Deposit | Ringgit | 0226CR0100000004 |
| 8 | Foreign Currency Time Deposit | Fixed Deposit | Foreign | 0226CF0300000001 |
| 9 | FunSavers Account | Savings Deposit | Ringgit | 0226CR0200000003 |
| 10 | FX Short Term Deposit | Short Term Deposit | Foreign | 0226CF0700000001 |
| 11 | Housing Developer Account | Demand Deposit | Ringgit | 0226CR0100000006 |
| 12 | i-Account | Demand Deposit | Ringgit | 0226CR0100000008 |
| 13 | i-Account (Fixed Deposit) | Fixed Deposit | Ringgit | 0226CR0300000006 |
| 14 | i-Account For Organisation | Demand Deposit | Ringgit | 0226CR0100000009 |
| 15 | Investment Foreign Currency Call Account | Demand Deposit | Foreign | 0226CF0100000004 |
| 16 | Investment Global Currency Premium Account | Demand Deposit | Foreign | 0226CF0100000002 |
| 17 | Money Market Deposits | Short Term Deposit | Ringgit | 0226CR0700000001 |
| 18 | Non-Chequeing Account | Demand Deposit | Ringgit | 0226CR0100000005 |
| 19 | Overnight Deposit Service | Demand Deposit | Ringgit | 0226CR0100000003 |
| 20 | Passbook Savings Account | Savings Deposit | Ringgit | 0226CR0200000001 |
| 21 | Privilege Account | Demand Deposit | Ringgit | 0226CR0100000010 |
| 22 | Savings Plus | Savings Deposit | Ringgit | 0226CR0200000006 |
| 23 | Trade Foreign Currency Call Account | Demand Deposit | Foreign | 0226CF0100000003 |
| 24 | Trade Global Currency Premium Account | Demand Deposit | Foreign | 0226CF0100000002 |
| 25 | UOBM Principal Guaranteed Callable Range Accrual Structured Investment Series 5 | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000022 (Matured) |
| 26 | UOBM Principal Guaranteed Callable Range Accrual Structured Investment Series 6 | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000026 (Matured) |
| 27 | UOBM Principal Guaranteed Callable Range Accrual Structured Investment Series 8 | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000038 (Matured) |
| 28 | UOBM Principal Guaranteed Gaming Titan Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000015 (Matured) |
| 29 | UOBM Principal Guaranteed 3 Years China Outperformance Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000016 (Matured) |
| 30 | UOBM Principal Guaranteed 2 Year Digital Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000021 (Matured) |
| 31 | UOBM Principal Guaranteed 18 Months USDCNH Digital Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000023 (Matured) |
| 32 | UOBM Principal Guaranteed 5-Year Commodity Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000028 |
| 33 | UOBM Principal Guaranteed 1 Year USDCNH Digital Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000029 (Matured) |
| 34 | UOBM Principal Guaranteed 5-Year Commodity Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000030 |
| 35 | UOBM Principal Guaranteed 3-Year Chinese Banking Stocks Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000031 |
| 36 | UOBM Principal Guaranteed 3-Year Digital Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000032 |
| 37 | UOBM Principal Guaranteed USDCNH Digital Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000033 (Matured) |
| 38 | UOBM Principal Guaranteed 3-Year Digital Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000034 (Matured) |
| 39 | UOBM Principal Guaranteed 3-Year Equity Daily Range Accrual Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000043 |
| 40 | UOBM Principal Guaranteed EPFR Multi Asset Long Only 5% Volatility Target Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000044 |
| 41 | UOBM Principal Guaranteed EPFR Multi Asset Long Only 5% Volatility Target Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000046 |
| 42 | UOBM Principal Guaranteed EPFR Multi Asset Long Only 5% Volatility Target Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000045 |
| 43 | UOBM Principal Guaranteed EPFR Multi Asset Long Only 5% Volatility Target Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000047 |
| 44 | UOBM Principal Guaranteed EPFR Multi Asset Long Only 5% Volatility Target Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000048 |
| 45 | UOBM Principal Guaranteed Structured Investment Linked to PIMCO Funds Global Investors Series PLC - Income Fund | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000049 |
| 46 | UOBM Principal Guaranteed Structured Investment Linked to EPFR Multi Asset Long Only 5% Volatility Target Index | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000050 |
| 47 | UOBM Principal Guaranteed Structured Investment Linked to EPFR Multi Asset Long Only 5% Volatility Target Index | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000051 |
| 48 | UOBM Principal Guaranteed Structured Investment Linked to PIMCO Funds Global Investors Series PLC - Income Fund | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000052 |
| 49 | UOBM Principal Guaranteed 5-Year Commodity Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000053 |
| 50 | UOBM Principal Guaranteed 5-Year Commodity Index Structured Investment | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000055 |
| 51 | UOBM Principal Guaranteed Structured Investment Linked to PIMCO Funds Global Investors Series PLC - Income Fund | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000054 |
| 52 | UOBM Principal Guaranteed Structured Investment Linked to PIMCO Funds Global Investors Series PLC - Income Fund | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000056 |
| 53 | UOBM Principal Guaranteed Structured Investment Linked to PIMCO Funds Global Investors Series PLC - Income Fund | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000057 |
| 54 | UOBM Principal Guaranteed Structured Investment Linked to PIMCO Funds Global Investors Series PLC - Income Fund | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000058 |
| 55 | UOBM Principal Guaranteed Structured Investment Linked to PIMCO Funds Global Investors Series PLC - Income Fund | Investment Linked to Derivatives Offered / Structured Product | Ringgit | 0226CR1200000059 |
| 56 | Wealth Premium Account | Demand Deposit | Ringgit | 0226CR0100000011 |
| 57 | ONE Account | Savings Deposit | Ringgit | 0226CR0200000010 |
| 58 | Stash Account | Savings Deposit | Ringgit | 0226CR0200000011 |
| 59 | BPL Plus CA | Demand Deposit | Ringgit | 0226CR0100000014 |
| 60 | Lady's Savings Account | Savings Deposit | Ringgit | 0226CR0200000012 |
| 61 | Collateral Account | Demand Deposit | Ringgit | 0226CR0100000012 |
