Basic Current Account-i

(Protected by PIDM up to RM250,000 for each depositor)

In the provision of banking services, it is important to ensure that the Malaysian public, especially the low-income consumers, have access to basic banking services at minimal costs.

Benefits & Features

Minimum Services


  • Cheque and cash deposit
  • ATM and over-the-counter (OTC) withdrawals
  • Fund transfers and bill payment facilities
  • Issuance of cheque with NO cashline facilities

Internet Banking


Available to all BCA account holders. The following Internet Banking services are free of charged:

  • Fund transfer facility (with EXCEPTION of GIRO facility where the Bank will impose a service charge of RM0.10 per transaction to BCA holders)
  • Online bill payment facilities within the Bank
  • Account enquiries including account balances/summary, account statement and transaction history



The Customer shall give consent to the Bank to deal with the whole or any part of any balances in the account in the manner that the Bank deems fit. Any profit generated by the Bank from the use of the funds shall belong to the Bank. The Bank may at its absolute discretion, give reward (Hibah) to the Customer. Subject to the terms hereof, the Bank guarantees payment of the whole sum standing to the credit of the Customer’s account upon demand.

Eligibility & Requirements

Eligible Person


Malaysian citizens and permanent residents



Minimum Opening


RM 500


Minimum Balance


No minimum balance


Age Requirement


18 years old and above


Types of Account


Applicable to Individuals, Joint and SME

Fees & Charges

ATM charges


Option on ATM Charges

An annual charge of RM8.00 – The application will be processed as usual where RM8.00 charge will be charged

No Annual Fee.

8 FREE ATM withdrawals in a month – Any withdrawal exceeding 8 times in a month will be charged at RM0.50 per ATM withdrawal


Other Charges



All BCA holders will enjoy a service charge on only RM0.50 for the first two transaction for MEPS IBG.

Cheque Book

The BCA holders will be provided with cheque book facility (but NO overdraft facility is allowed). The issuance of cheque book is FREE of charge. However, the account holder will have to pay for the charges on stamp duty.

Number of Free Deposits

All the deposit transactions via electronic channels will be at no cost to the deposits.

ATM withdrawal via MEPS

Any cash withdrawal at ATM owned by other Financial Institution under MEPS will be charged RM1.00 per transaction

Half-Yearly Service

Individual account with an average balance of less than RM1,000.00 will be charged RM10.00

Dormant Account

With balances up to RM10.00 – Account will be closed and these balances will be absorbed by the Bank as a charge

Other Fee and Charges

Account closed within 3 months from the date opened will be charged RM20.00


Terms & Conditions

Click here to view Terms & Conditions for BASIC CURRENT ACCOUNT-i effective 1st August 2021

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