MBSB Personal Financing-i vs BSN Personal Financing-i
By money.com.my EditorialUpdated: 18 October 2026
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Side-by-side comparison
| Compare | MBSB BankMBSB Personal Financing-i | BSN (Bank Simpanan Nasional)BSN Personal Financing-i |
|---|---|---|
| Provider | MBSB Bank | BSN (Bank Simpanan Nasional) |
| Interest Rate | From 3.06% p.a. | From 4.60% p.a. |
| Rate Type | variable | flat |
| Loan Amount | RM 5,000 – RM 250,000 | RM 5,000 – RM 400,000 |
| Tenure | Up to 120 months | Up to 120 months |
| BNM Licensed | Yes | Yes |
| Islamic | Yes | Yes |
| Min Income | RM 3,000/mo | RM 1,500/mo |
| Apply Online | Yes | Yes |
| Our Rating | 4.0/5 | 4.3/5 |
| Details | Details |
MBSB Bank
MBSB Personal Financing-i
Choose this if you want
Permanent civil servants and selected GLC staff who want Shariah-compliant financing of up to RM250,000
- ✓Financing up to RM250,000 for permanent public-sector and selected GLC staff (up to RM400,000 under Afdhal-i for contract staff and premium customers, at a higher rate)
- ✓Rates from 3.06% flat equivalent (variable, SBR + 3.05%) for permanent public-sector and selected GLC staff
- ✓Shariah contract: Tawarruq
BSN (Bank Simpanan Nasional)
BSN Personal Financing-i
Choose this if you want
Muslim civil servants who want Islamic financing from 4.6% flat with ibra' rebate on early settlement
- ✓Profit rate from 4.6% flat with takaful cover (1% more without)
- ✓Ibra' (rebate) on deferred profit if you settle early
- ✓Shariah contract: Tawarruq
The bottom line
BSN Personal Financing-i scores higher overall (4.3/5). The right choice depends on your spending habits and income level — use the comparison table above to check the details that matter most to you before applying.
None of these 2 products carries a check against the bank's own product page in our data, so confirm every figure on the bank's page. Rates and terms can change without notice; confirm with the bank before you apply.