Students Mudaraba Savings Account (SMSA)

Student Mudaraba Savings Account (SMSA) offers minimum-cost banking services to graduation level students and pre-career youths.


  • Minimum balance: Tk.100/- only
  • No A/c maintenance charge
  • Charge free Debit Card (VISA Rapid)
  • Charge-bearing debit cards may also be available
  • Self opening & transactions thru Cellfin availble
  • Self operating available thru Internet Banking service
  • SMS notification & query service


  • Any Bangladeshi national
  • Minimum age: 18 years, Maximum: 30 years
  • After age crossing 30 years, the A/c may be converted to normal MSA

Profit rules

  • Profit on provisional basis is paid twice a year.
  • Additional amount (if any) is paid after annual calculation of Final Rate
  • Lowest balance of a month is eligible for profit
  • No profit for a month in case of Tk. 2000 or more withdrawal   

Required Documents

  • NID/Passport/Birth Certificate
  • Student ID Card
  • Recent Photo: 2 copy, passport size, attested by introducer
  • Nominee’s NID & photo (attested by applicant)

*Bank may ask for any other additional document

Important Downloads