If your main goal is to maximize your returns, several banks are currently offering significantly higher rates than the more traditional, safety-focused banks. Note that these rates are often for specific tenures (like 5 or 10 years).
The Best For Opening A DPS Account 2026:
Bank Name Maximum Profit Rate (Indicative) Best For
Global Islami Bank Up to 11.75% Highest potential returns in the current market .
Islamic Bank Bangladesh (IBBL) Up to 11.50% High profit rates under a Shariah-compliant model .
Community Bank Bangladesh Up to 11.50% Competitive rates for long-term tenures (e.g., 5 or 10 years) .
One Bank Up to 11.00% A strong contender for high returns on longer tenures .
If You Prioritize Safety and Stability
If you are more concerned with the security of your savings and the bank's long-term stability, it's wise to look at institutions with the highest credit ratings. According to Bangladesh Bank's ratings (AAA grade indicates the highest safety), these banks are considered the most stable.
Eastern Bank (EBL): Offers rates around 9.00% to 9.25%. It is often cited as a top choice for combining safety with a reasonable return .
BRAC Bank: Offers competitive rates around 8.75% to 9.00% and has a strong reputation for digital services and reliability .
Dutch-Bangla Bank (DBBL): A very popular and stable bank, though its rates are often lower (around 7.75% to 8.50%) .
A Convenient Alternative: DPS via bKash
For ultimate convenience, you can open a DPS directly through the bKash app without visiting a bank.
Participating Institutions: You can choose from IDLC, Dhaka Bank, MTB, and BRAC Bank (and Islamic variants for City and Dhaka Bank) .The entire process is paperless, and automatic debit from your bKash balance prevents missed payments .
Key Things to Keep in Mind
Rates are Changeable: DPS interest rates are not fixed forever. They are periodically revised by banks based on market conditions. Always verify the current rate at the branch or on the app before opening an account .
Taxes Apply: At maturity, banks will deduct tax from the interest portion of your DPS (typically 10% if you have a TIN, or 15% if you don't) .
Premature Closure Penalties: If you need to close your DPS before the maturity date, you will usually receive a reduced interest rate or, in some cases, only your principal back if closed very early .
Islamic vs. Conventional DPS: Islamic banks offer DPS under a profit-sharing (Mudaraba) model instead of fixed interest. The returns are often similar but the structure is different .
To summarize:
For maximum profit: Look into Global Islami Bank or Islamic Bank Bangladesh.
For maximum safety: Consider Eastern Bank or BRAC Bank.
For maximum convenience: Use the bKash app to choose from several banks.Would you like me to help you calculate the maturity amount for a specific monthly deposit?
