Al-Wadiah Current Account

Al Wadiah Current Deposit is a deposit product operated according to Islamic Shariah where the depositor will deposit money in the Bank in the form of ‘Amanat’ and thus expects on profit or loss. The Bank takes permission from the depositor to use the deposit according to Islamic Shariah but guarantees that the amount deposited would be available to depositors whenever s/he demands. If Bank does loss using this deposit then bank will incur all responsibilities. Since depositors do not take any risk of loss, so they cannot demand any profit.


  • This is a non profit and loss bearing product.
  • Bank gives the guarantee to return the full amount on demand / maturity at its own risk (depositor will not share the risk).
  • Bank can invest this deposited fund with the permission of the depositor.
  • Bank may share the profit with the depositors as per management’s decision.
  • Frequent and random transactions do not have any impact on profit calculation as it is a non-profit bearing product.
  • Depending on the amount of deposit there is a yearly excise duty to be charged on this type of account.
  • There is also a specific amount of service charge, chargeable on half-yearly basis.
  • Unlimited transactions are allowed
  • Personalized MICR Cheque Book is available
  • No withdrawal notification required
  • Nominal service charge
  • Any branch Banking facility
  • Bank accepts and supports Standing Instructions


  • Al - Wadiah Current Deposit Account can be opened both for Individual and Corporate bodies
  • Al - Wadiah CD Account can be opened both for resident and non - resident Bangladeshi Nationals
  • Age bar for Personal Al - Wadiah CD Account: 18 years or above
  • Joint account can be opened
  • Minor account can be opened under the supervision of his / her / their guardian.
  • Account can be opened in the name of Trust / Club / Association / Societies / Non - Trading Concerns.

Required Documents

  • Photocopy of Citizenship Certificate / Passport / Voter I.D. Card / National I.D. Card / Driving License.
  • Two copies of recent passport size photograph duly attested by the introducer.Certified document(s) for source of income.
  • The account requires to be introduced by an existing and satisfactory account holder of Trust Bank Limited.
  • Nominee form and photograph of nominee(s) (signature attested by the account holder). In case of minor nominee, copy of the birth certificate and photograph required.
  • Personal Information Form.
  • KYC Form.

Rates & Charges

  • Incidental Charge: No Charge
  • Accounts Maintenance Fees: Tk. 500 per half year per account.
  • Account Closing Charge Tk. 300 per account
  • Account Statement
    • No Charge (Half Yearly & Yearly) for One Time
    • Subsequestly, Per Page Tk. 25 & Minimum Tk. 100
  • Balance Certificate
    • No Charge (Half Yearly & Yearly) for One Time 
    • Subsequestly, Per Certificate Tk. 200
  • Solvency Certificate
    • Tk. 500.00 per instance
    • No charge for Defence Personnel & TBL Employees
  • Issue of Cheque Book (MICR): Tk. 3 Per Leaf
  • Standing Instruction
    • Tk. 150.00 per instance excluding DPS & Loan Installment Payment
    • No Charge for Defence Personnel & TBL Employees