Akaun Perniagaan Perbankan Perniagaan CIMB CIMB Business Banking
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Pemindahan antarabangsa + kad
Compare Business Banking in Malaysia
Live offers across tracked providers in Malaysia — updated daily from the Giraffy database.
Live offers
19 live offers compared from 19 providers, from RM30. Updated daily.
Akaun Perniagaan AmBank AmBank Business
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Pemindahan antarabangsa + kad
Akaun Perniagaan Perbankan Perniagaan RHB RHB Business Banking
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Pelbagai mata wang
Akaun Perniagaan Merchant Trade Asia Merchant Trade Asia
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Pelbagai mata wang
Akaun Perniagaan OCBC Business MY OCBC Business MY
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Pemindahan antarabangsa + kad
Akaun Perniagaan Airwallex Malaysia Airwallex Malaysia
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: 100 percuma/bulan
- Alat Pembayaran: Pemindahan antarabangsa + kad
Akaun Perniagaan Public Bank Public Bank Business
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: 100 percuma/bulan
- Alat Pembayaran: Pemindahan antarabangsa + kad
Akaun Perniagaan Perbankan Perniagaan Perikatan Alliance Business Banking
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: 100 percuma/bulan
- Alat Pembayaran: Pelbagai mata wang
Akaun Perniagaan Bank Islam Bank Islam Business
RM30
- Yuran Bulanan: MYR 30/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Pemindahan antarabangsa + kad
Akaun Perniagaan CIMB MY CIMB Malaysia
Price on request
- Yuran Bulanan: MYR 0/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: CIMB BizChannel + DuitNow
Perniagaan GXBank MY GXBank
Price on request
- Yuran Bulanan: MYR 0/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Aplikasi GXBank (SME digital)
Perniagaan Hong Leong MY Hong Leong Bank
Price on request
- Yuran Bulanan: MYR 0/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Perniagaan Dalam Talian HLB
Perbankan Perniagaan HSBC MY HSBC Malaysia
Price on request
- Yuran Bulanan: MYR 0/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: HSBCnet + DuitNow
Akaun Perniagaan Maybank Maybank
Price on request
- Yuran Bulanan: MYR 0/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Perniagaan Maybank2E
Perniagaan Bank Awam MY Public Bank
Price on request
- Yuran Bulanan: MYR 0/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: Perniagaan PB Engage
Perbankan Perniagaan RHB MY RHB Bank
Price on request
- Yuran Bulanan: MYR 0/bulan
- Transaksi: Tidak terhad
- Alat Pembayaran: RHB Business e-Connect
Akaun Perniagaan Perbankan Perniagaan Maybank Maybank Business Banking
Price on request
- Yuran Bulanan: Percuma
- Transaksi: 100 percuma/bulan
- Alat Pembayaran: Pelbagai mata wang
Akaun Perniagaan Hong Leong Hong Leong Business
Price on request
- Yuran Bulanan: Percuma
- Transaksi: Tidak terhad
- Alat Pembayaran: Pelbagai mata wang
Akaun Perniagaan Standard Chartered Business MY Standard Chartered Business MY
Price on request
- Yuran Bulanan: Percuma
- Transaksi: 100 percuma/bulan
- Alat Pembayaran: Pelbagai mata wang
What is Business Banking in Malaysia?
Business banking covers the accounts and services companies use to manage money: current accounts for daily operations, payroll and supplier payments, business financing, trade services and merchant payment acceptance. In Malaysia it serves everyone from sole proprietors and SMEs to large corporates, with both conventional and Islamic business banking available. Modern offerings emphasise digital account opening, integrated payments through DuitNow, and cash-management tools tailored to business needs.
How the Malaysian market works
Business banking is provided by conventional and Islamic banks plus the new digital banks, all supervised by Bank Negara Malaysia (BNM). Companies open business current accounts, access financing such as term loans, overdrafts and trade facilities, and use DuitNow and DuitNow QR for collections and payments. SMEs can tap government-backed financing schemes and guarantees. Islamic business banking uses Shariah structures for financing and deposits, and digital banks are entering the SME space with app-first accounts.
Benefits
Separation of finances — A dedicated business account keeps company money distinct from personal funds for cleaner accounting and compliance.
Integrated payments — DuitNow and QR collections streamline getting paid by customers and paying suppliers.
Access to financing — Business banking opens the door to overdrafts, term loans, trade finance and SME guarantee schemes.
Islamic options — Shariah-compliant business accounts and financing serve companies preferring Islamic banking.
How to choose
Match the account to your business size and transaction volume, checking monthly fees, minimum balances and transaction charges. Consider the bank's SME financing appetite, trade and cash-management services, and the quality of its business app and payment integrations. Decide between a full-service traditional bank and a digital bank, and whether you need Islamic banking. Relationship support and branch access can matter for larger or cash-heavy businesses.
Leading providers in Malaysia
Maybank and its Maybank Business Banking arm, CIMB, Public Bank, Hong Leong Bank, RHB Bank and HSBC Malaysia are major business-banking providers with SME and corporate services. GXBank is bringing a digital-first approach to business and SME accounts. Choose based on your financing needs, transaction volumes and whether you prefer branch relationships or app-driven banking; many offer dedicated SME packages.
What it costs
Business current accounts often carry a modest monthly fee, commonly around RM30, along with a minimum-balance requirement and per-transaction charges for certain services. Financing costs depend on the facility and your business risk profile. Watch for below-the-line charges such as cheque, telegraphic-transfer and cash-handling fees. Digital-bank business accounts may reduce or waive some fees. Compare the total cost against the services and financing access you need.
Protections and regulation
Business banks are licensed and supervised by Bank Negara Malaysia (BNM). Eligible business deposits are protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to RM250,000 per depositor per member bank. SME financing schemes may be backed by government guarantee bodies. Islamic business banking falls under the Islamic Financial Services Act 2013, and disputes can be escalated to the Ombudsman for Financial Services.
Common questions
Do I need a business account as a sole proprietor? It is strongly advisable to separate business and personal finances for accounting, tax and credibility, even if not strictly required.
Can my business deposits be insured? Yes, eligible business deposits at PIDM member banks are protected up to RM250,000 per depositor per bank.
Is Islamic business banking available? Yes, major banks offer Shariah-compliant business accounts and financing under the Islamic Financial Services Act 2013.
The cheapest Business Banking in Malaysia is RM30 from CIMB Business Banking.
Business Banking in Malaysia — FAQ
What is the best business bank account in Malaysia?
Giraffy tracks 5 business banking options across CIMB Business Banking,AmBank Business,RHB Business Banking,Merchant Trade Asia,OCBC Business MY providers in Malaysia. Compare by monthly fee, included transactions, international transfer costs, and integration with accounting software to find the right fit for your business.
Do I need a separate business bank account?
Legally you must have a separate business account if you're a limited company. Sole traders can use a personal account, but a dedicated business account simplifies bookkeeping, gives a more professional image, and makes tax returns easier. Most accounting software integrates directly with business accounts.
What documents do I need to open a business bank account?
Requirements in Malaysia typically include: Certificate of Incorporation (for limited companies), business address proof, director and beneficial owner IDs, and a description of business activities. BNM-regulated banks are required to conduct Know Your Customer (KYC) checks — digital-first providers often complete this online.
What are typical business bank account fees?
Business accounts usually charge a monthly fee (£5–£40 equivalent) plus per-transaction fees for cash handling and international transfers. Digital-only business banks like Tide, Starling, and Monzo Business offer lower-cost or fee-free entry plans. Traditional banks typically include more cashflow tools and relationship banking.
Can I get a business credit card or overdraft with my account?
Many business bank accounts include access to a business credit card, overdraft facility, or invoice financing. These are subject to a business credit check. Separating business credit from personal credit helps protect your personal score if the business encounters cash flow difficulties.
How long does it take to open a business bank account?
Digital-first providers can open accounts in 24–48 hours. Traditional banks typically take 5–15 working days due to enhanced business due diligence. Having all documents ready (company certificate, director IDs, utility bills) in advance significantly speeds up the process.