{"id":68709,"date":"2025-09-03T13:22:17","date_gmt":"2025-09-03T05:22:17","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=68709"},"modified":"2025-09-03T13:22:17","modified_gmt":"2025-09-03T05:22:17","slug":"kaf-digital-bank-explained","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained","title":{"rendered":"KAF Digital Bank Explained: A Guide To Islamic Digital Banking In Malaysia"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Digital banking is no longer a \u201ccoming soon\u201d promise. Malaysians are using digital financial services at scale, with Bank Negara Malaysia\u2019s 2024 survey showing <\/span><a href=\"https:\/\/www.bnm.gov.my\/documents\/20124\/17493532\/ar2024_en_box4.pdf\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">92% of Malaysians now use digital financial products and services<\/span><\/a><span style=\"font-weight: 400;\">, up from 74% in 2021. That is a sharp shift in everyday money habits, from paying bills and budgeting to setting up savings pots on a phone. At the same time, Islamic finance continues to deepen its footprint, with Islamic banking\u2019s share of total financing rising to 46.6% in 2024. Put together, the demand for Shariah-compliant products in a purely app-based experience is real, not niche.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank Negara Malaysia awarded five digital bank licences in April 2022 after receiving 29 applications. Two of the five are licensed under the Islamic Financial Services Act: AEON Bank and the KAF Investment Bank-led consortium which has now launched as KAF Digital Bank. The other licensees are GX Bank, Boost Bank and Ryt Bank.\u00a0<\/span><\/p>\n<h3><strong>KAF Digital Bank at a glance<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">KAF Digital Bank opened to the public on 8 August 2025 after completing a pilot phase. It operates fully via its mobile app and is positioned as Malaysia\u2019s second Islamic digital bank. Deposits with KAF Digital Bank are protected by PIDM up to RM250,000 per depositor per member bank, the same protection limit that applies to all PIDM member banks in Malaysia.\u00a0<\/span><\/p>\n<h3><strong>What you can do today<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Open a Savings Account-i via the app<\/b><span style=\"font-weight: 400;\">: KAF currently uses hibah for returns rather than advertising a fixed profit rate. Based on published historical data, KAF displayed 5.00% p.a. hibah for the first RM2,000 and 3.00% p.a. for balances above RM2,000 during weekly periods between 3 June and 5 August 2025. Hibah is discretionary and not contractually guaranteed.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Debit Card-i, DuitNow QR and app log-in with biometrics<\/b><span style=\"font-weight: 400;\"> are supported, with some features subject to a short cooling-off period after account opening.\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Transaction limits<\/b><span style=\"font-weight: 400;\">: indicative limits for a standard Savings Account-i are RM5,000 daily and RM20,000 monthly, rising to RM50,000 daily and RM200,000 monthly on the Premium tier. Fees such as an early closure fee of RM20 within three months and ATM withdrawal fees up to RM5 via Visa network ATMs, are listed in KAF\u2019s disclosures.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">KAF\u2019s consortium includes KAF Investment Bank with partners from Malaysia\u2019s tech ecosystem, such as Carsome, MoneyMatch, Jirnexu and StoreHub, signalling a strategy to plug banking into daily commerce and SME tools over time.\u00a0<\/span><\/p>\n<h3><strong>How it compares to AEON Bank<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">AEON Bank <\/span><a href=\"https:\/\/www.aeonbank.com.my\/about-us\/media-centre\/8\" target=\"_blank\" rel=\"noopener noreferrer dofollow\"><span style=\"font-weight: 400;\">launched publicly on 26 May 2024<\/span><\/a><span style=\"font-weight: 400;\">, becoming Malaysia\u2019s first Islamic digital bank. At launch, AEON ran an introductory 3.88% p.a. profit rate promo on Savings Account-i and Savings Pots until 31 August 2024.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After the promo, AEON communicated ongoing profit rates for Savings Account-i and Pots that varied by product and campaign. AEON has since expanded into Personal Financing-i, Term Deposit-i and AEON Bank Biz for SMEs. It is also a PIDM member<\/span><\/p>\n<p><b>Side-by-side snapshot<\/b><\/p>\n\n<table id=\"tablepress-2024\" class=\"tablepress tablepress-id-2024\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Feature<\/strong><\/th><th class=\"column-2\"><strong>KAF Digital Bank<\/strong><\/th><th class=\"column-3\"><strong>AEON Bank<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Shariah status<\/td><td class=\"column-2\">Fully Islamic digital bank<\/td><td class=\"column-3\">Fully Islamic digital bank<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Public launch<\/td><td class=\"column-2\">8 Aug 2025<\/td><td class=\"column-3\">26 May 2024<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Returns on savings<\/td><td class=\"column-2\"><strong>Hibah<\/strong> (discretionary). Historical display: 5.00% p.a. on first RM2,000, 3.00% above RM2,000 during specific weeks in Jun\u2013Aug 2025<\/td><td class=\"column-3\">Profit rate promotions at launch <strong>3.88% p.a.<\/strong> on Savings Account-i and Pots until 31 Aug 2024; subsequent rates vary by product and campaign<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Card &amp; payments<\/td><td class=\"column-2\">Visa <strong>Debit Card-i, DuitNow QR<\/strong>, biometric log-in<\/td><td class=\"column-3\">AEON Bank x Visa <strong>Debit Card-i, DuitNow QR<\/strong>, budgeting tools, Savings Pots<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Business banking<\/td><td class=\"column-2\">Not publicly launched at time of writing<\/td><td class=\"column-3\"><strong>AEON Bank Biz<\/strong> live (Business Current Account-i with cash management)<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Protection<\/td><td class=\"column-2\"><strong>PIDM<\/strong> up to <strong>RM250,000<\/strong> per depositor per member bank<\/td><td class=\"column-3\"><strong>PIDM<\/strong> up to <strong>RM250,000<\/strong> per depositor per member bank<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2024 from cache -->\n<h3><strong>What the hibah model means for yo<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">If you prefer predictability, note that hibah is not guaranteed. An Islamic bank may grant hibah as a goodwill gift on deposits placed under certain Shariah contracts, but it is not a pre-agreed profit rate. KAF currently shows historical hibah levels, which can guide expectations, yet they can be revised at the bank\u2019s discretion.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Savers who want fixed profit rates may prefer Term Deposit-i products, which are commonly offered by banks such as AEON Bank, subject to campaign rates and tenure. Always check the latest product disclosure sheets in-app before you move savings.\u00a0<\/span><\/p>\n<h3><strong>Is your money protected<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, provided the bank is a PIDM member. Both KAF Digital Bank Berhad and AEON Bank (M) Berhad are listed PIDM member banks. Coverage is up to RM250,000 per depositor per member bank, combining principal and any return. If you hold deposits with different PIDM member banks, coverage applies separately to each bank.\u00a0<\/span><\/p>\n<h3><strong>Who should consider KAF vs AEON Bank<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Pick KAF Digital Bank if you like the hibah approach, want to try a new Islamic-only app experience and you value integration potential with lifestyle or SME ecosystems via KAF\u2019s tech partners. Watch the app for evolving features after the cooling-off period and monitor weekly hibah history to judge consistency.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pick AEON Bank if you want a more established Islamic digital bank with Savings Pots, budgeting tools, Term Deposit-i, Personal Financing-i and SME banking through AEON Bank Biz. If you shop with AEON, the AEON points tie-ins can sweeten the deal.\u00a0<\/span><\/p>\n<h3><strong>Practical sign-up notes<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">KAF\u2019s app requires Android 13+ or iOS 16+. During onboarding, you may need to transfer a minimum RM10 from a bank account in your name at a traditional bank to activate the account and you may face initial daily and monthly transaction limits until you upgrade to the Premium tier. AEON\u2019s app is widely available and continues to add products over time. As always, confirm the latest eligibility, limits and fees in each bank\u2019s product disclosures before committing funds.\u00a0<\/span><\/p>\n<h3><strong>The bottom line<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Malaysia\u2019s digital banking market is finally filling out. With KAF Digital Bank joining AEON Bank on the Islamic side, consumers now have a choice of two fully Islamic digital banks, each protected by PIDM and operating within Bank Negara\u2019s framework. If you value Shariah compliance and app-first convenience, both are credible options.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your choice comes down to the kind of returns you prefer on savings, the breadth of products you need today and how each app fits your daily spending and business needs. Compare hibah history against fixed profit rate offers, look at fees and limits and split your savings across member banks if you want to optimise PIDM coverage.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Digital banking is no longer a \u201ccoming soon\u201d promise. Malaysians are using digital financial services at scale, with Bank Negara Malaysia\u2019s 2024 survey showing 92% of Malaysians now use digital financial products and services, up from 74% in 2021. That is a sharp shift in everyday money habits, from paying bills and budgeting to setting&#8230; <a class=\"view-article\" href=\"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained\">View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":68715,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,29],"tags":[660,2813,2814,299,733],"class_list":["post-68709","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-savings-account","tag-investment","tag-islamic-digital-banking-malaysia","tag-kaf-digital-bank","tag-savings","tag-savings-account"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>KAF Digital Bank Malaysia\u2019s Newest Islamic Digital Bank Explained<\/title>\n<meta name=\"description\" content=\"Discover KAF Digital Bank, Malaysia\u2019s second fully Islamic digital bank. Learn how it compares to AEON Bank, and its hibah savings returns.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KAF Digital Bank Malaysia\u2019s Newest Islamic Digital Bank Explained\" \/>\n<meta property=\"og:description\" content=\"Discover KAF Digital Bank, Malaysia\u2019s second fully Islamic digital bank. Learn how it compares to AEON Bank, and its hibah savings returns.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained\" \/>\n<meta property=\"og:site_name\" content=\"iMoney Malaysia\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-03T05:22:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/09\/03123857\/15.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"iMoney Editorial\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"iMoney Editorial\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained\"},\"author\":{\"name\":\"iMoney Editorial\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\"},\"headline\":\"KAF Digital Bank Explained: A Guide To Islamic Digital Banking In Malaysia\",\"datePublished\":\"2025-09-03T05:22:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained\"},\"wordCount\":937,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/03123857\\\/15.png\",\"keywords\":[\"Investment\",\"Islamic digital banking Malaysia\",\"KAF Digital Bank\",\"savings\",\"savings account\"],\"articleSection\":[\"Investment\",\"Savings Account\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained\",\"name\":\"KAF Digital Bank Malaysia\u2019s Newest Islamic Digital Bank Explained\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/03123857\\\/15.png\",\"datePublished\":\"2025-09-03T05:22:17+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\"},\"description\":\"Discover KAF Digital Bank, Malaysia\u2019s second fully Islamic digital bank. Learn how it compares to AEON Bank, and its hibah savings returns.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained#primaryimage\",\"url\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/03123857\\\/15.png\",\"contentUrl\":\"https:\\\/\\\/static.imoney.my\\\/articles\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/03123857\\\/15.png\",\"width\":1200,\"height\":628,\"caption\":\"Image Source: freepik.com\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/kaf-digital-bank-explained#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Savings Account\",\"item\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/category\\\/savings-account\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"KAF Digital Bank Explained: A Guide To Islamic Digital Banking In Malaysia\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/\",\"name\":\"iMoney Malaysia\",\"description\":\"Everything you need to know about improving your personal finances.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/#\\\/schema\\\/person\\\/2dc429bac9840e75ad08ab242c57dcbb\",\"name\":\"iMoney Editorial\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g\",\"caption\":\"iMoney Editorial\"},\"description\":\"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.\",\"sameAs\":[\"http:\\\/\\\/www.imoney.my\"],\"url\":\"https:\\\/\\\/www.imoney.my\\\/articles\\\/author\\\/chinglee\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"KAF Digital Bank Malaysia\u2019s Newest Islamic Digital Bank Explained","description":"Discover KAF Digital Bank, Malaysia\u2019s second fully Islamic digital bank. Learn how it compares to AEON Bank, and its hibah savings returns.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained","og_locale":"en_US","og_type":"article","og_title":"KAF Digital Bank Malaysia\u2019s Newest Islamic Digital Bank Explained","og_description":"Discover KAF Digital Bank, Malaysia\u2019s second fully Islamic digital bank. Learn how it compares to AEON Bank, and its hibah savings returns.","og_url":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained","og_site_name":"iMoney Malaysia","article_published_time":"2025-09-03T05:22:17+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/09\/03123857\/15.png","type":"image\/png"}],"author":"iMoney Editorial","twitter_card":"summary_large_image","twitter_misc":{"Written by":"iMoney Editorial","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained#article","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained"},"author":{"name":"iMoney Editorial","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"headline":"KAF Digital Bank Explained: A Guide To Islamic Digital Banking In Malaysia","datePublished":"2025-09-03T05:22:17+00:00","mainEntityOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained"},"wordCount":937,"commentCount":0,"image":{"@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/09\/03123857\/15.png","keywords":["Investment","Islamic digital banking Malaysia","KAF Digital Bank","savings","savings account"],"articleSection":["Investment","Savings Account"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained","url":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained","name":"KAF Digital Bank Malaysia\u2019s Newest Islamic Digital Bank Explained","isPartOf":{"@id":"https:\/\/www.imoney.my\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained#primaryimage"},"image":{"@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained#primaryimage"},"thumbnailUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/09\/03123857\/15.png","datePublished":"2025-09-03T05:22:17+00:00","author":{"@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb"},"description":"Discover KAF Digital Bank, Malaysia\u2019s second fully Islamic digital bank. Learn how it compares to AEON Bank, and its hibah savings returns.","breadcrumb":{"@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained#primaryimage","url":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/09\/03123857\/15.png","contentUrl":"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/2025\/09\/03123857\/15.png","width":1200,"height":628,"caption":"Image Source: freepik.com"},{"@type":"BreadcrumbList","@id":"https:\/\/www.imoney.my\/articles\/kaf-digital-bank-explained#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.imoney.my\/articles\/"},{"@type":"ListItem","position":2,"name":"Savings Account","item":"https:\/\/www.imoney.my\/articles\/category\/savings-account"},{"@type":"ListItem","position":3,"name":"KAF Digital Bank Explained: A Guide To Islamic Digital Banking In Malaysia"}]},{"@type":"WebSite","@id":"https:\/\/www.imoney.my\/articles\/#website","url":"https:\/\/www.imoney.my\/articles\/","name":"iMoney Malaysia","description":"Everything you need to know about improving your personal finances.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.imoney.my\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.imoney.my\/articles\/#\/schema\/person\/2dc429bac9840e75ad08ab242c57dcbb","name":"iMoney Editorial","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/484677d6814081d0b791a545e2dd7d826425b53411de07415367b72a884f01c8?s=96&d=mm&r=g","caption":"iMoney Editorial"},"description":"iMoney Editorial Team is composed of 4 writers with wide-ranging interests and areas of expertise. Their primary responsibility is to write financial-related articles to share and educate Malaysians on how to save, make and grow their money.","sameAs":["http:\/\/www.imoney.my"],"url":"https:\/\/www.imoney.my\/articles\/author\/chinglee"}]}},"_links":{"self":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/68709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/comments?post=68709"}],"version-history":[{"count":1,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/68709\/revisions"}],"predecessor-version":[{"id":68716,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/posts\/68709\/revisions\/68716"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media\/68715"}],"wp:attachment":[{"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/media?parent=68709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/categories?post=68709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.imoney.my\/articles\/wp-json\/wp\/v2\/tags?post=68709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}