Frequently Asked Questions
Answers to common questions about accounts, cards, online banking and security.
You can open a Checking or Savings account entirely online in under 5 minutes using instant e-KYC verification, or visit our office.
Our Everyday Current Account requires just RM 50 to open. Savings Plus and Fixed Deposit-i accounts start from RM 10,000 and RM 5,000 respectively.
The BSN Everyday Current Account has no monthly maintenance fee. The Premier Current Account charges RM 15/month, waived if you maintain an average balance of RM 5,000.
Visit the Online Banking page and select "Login" to begin registration. You will need your account number, email and a working mobile number for OTP verification.
Yes, the BSN Merchant Bank app is available on both the Apple App Store and Google Play Store, with full feature parity between platforms.
Select "Forgot password?" on the login page, or contact our 24/7 careline to verify your identity and reset your credentials securely.
Apply online via the Credit Cards page with instant eligibility checking, or visit a branch. Approved applicants typically receive their card within 5–7 business days.
Yes. Use the "Card Controls" feature in the mobile app to instantly freeze your debit or credit card, then contact our careline to report it and request a replacement.
The BSN Everyday Cashback card has no annual fee. The World Rewards card charges RM 288/year, waivable with minimum annual spend.
Eligible deposits are automatically protected by PIDM up to RM 250,000 per depositor, and all transactions are secured with 256-bit encryption and real-time fraud monitoring.
No. We will never ask for your password, OTP, PIN or full card number over the phone, email or SMS. If you receive such a request, do not respond and contact us immediately.
Call our 24/7 fraud hotline immediately so we can freeze the affected account or card and begin an investigation.
Eligible first-time homebuyers can access up to 90% margin of financing, subject to credit assessment and property valuation.
Initial assessment and property valuation typically take 5 business days, with a Letter of Offer issued shortly after approval.