You are experiencing some problems related to the deposit. As we know, the main function of financial intermediaries such as banks is the custody of money or property. Therefore, in order for them to make sure that our money is saved, they have to do something to get a return or profit from it and these are the basic things in this world. In Islamic concept there are two types of deposit; which are Wadiah yad dhamanah and Wadiah yad amanah. The modus operandi for both wadiahs has been discussed above. So, in the deposit there are two bases which are qard based deposit and mudharabah based deposit. The problems themselves occur when part of the system contradicts the principle of Shariah which we will talk about later. Qard based Deposit) Surplus to the lender In a loan agreement, any surplus to the lender whether in terms of quality, quantity, tangibles, benefit is considered prohibited as it may amount to riba. What then is the basis for allowing account holders to use their ATM card and checkbook without any form of compensation? This may be an excess for the creditor and may amount to riba. According to the Accounting and Auditing Organization of Islamic Financial Institutions (AAOIFI), the Shariah standard for this form of use is permitted in the Shariah. This is because the benefits that come from this are common to both parties as both will benefit from this issue. This will balance the mutual benefits of both parties and the question of riba will not arise.b) Hibah (Gift) Banks are not permitted to provide material gifts, financial financing to qard based deposit account holders. incentives or benefits unrelated to deposits and withdrawals. However, banks can make available to them... half of the card... side. We also discuss the theoretical basis and contemporary application. Then, continue with the similarities and differences of both deposits. The similarities of both deposits can be seen from the characteristics of the deposit types. On the other hand, the differences are still clearly recognizable when Islamic deposits are based on Shariah while conventional deposits are based on human law. And finally the question of deposits in Malaysia arises. In conclusion, in our opinion Islamic deposit will give more benefits to depositors. Although Islamic deposit is to be said more likely than conventional deposit, still there are absolute differences that we can see from both deposits where Islamic deposit is better because it is free from the element that would harm the society which is riba, maisir and gharar.