Tuesday, 28 April 2015,   08 Rejab 1436H

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BSN GIRO Account

Enjoy the benefits of a BSN GIRO Account and begin saving today!


»   Applicant's Identity Card and a completed BSN GIRO Account Application Form.
»   Minimum amount for account opening according to category as follows:

Category Age Minimum Savings Amount
Adult 16 years and above
Teen 13-15 years
Children 7-12 years
Joint Account  7 years and above
Trust Account 18 years and above (guardian) /  7 years and below (children)
Special Category Age Minimum Savings Amount
Open for salary 18 years and above
Scholarship 15 years and above
Skim Galakan Simpanan
Pelajar (SGSP)
7 years and above
Kelab Penabung Muda  7 years and above
Kesatuan Kebajikan Masyarakat - RM10.00
School children* - RM1.00


»  Dormant Giro Account for 7 years will be closed in accordance to Unclaimed Money Act 1965.
»  Opening of accounts can be performed at any BSN Branch.
» *Upon account opening performed at school. 


Types of Account

»   Individual Account: Maintained by one account holder only.
»   Trust Account: Under the name of one account holder, but maintained by a Trustee as his / her representative.
»   Joint Account: Maintained by two account holders.


»  BSN GIRO Card is only meant for ATM transactions and enquiries only. It cannot be used for purchase of goods and services.


Features & Benefits

»   GIRO transactions can be performed at any BSN Branch and BSN ATM, regardless of where you opened your account.
»   Savings, withdrawal and fund transfers can be made at any BSN Counters or BSN ATM.
»   An option of ATM and CDM services.
»   Withdrawals at any BSN ATM as well as other banks' ATMs with MEPS.
»   PLUS services (withdrawal and balance enquiry) at any ATM with PLUS logo displayed, throughout Malaysia and 
»   VISA Electron services with the convenience of shopping at any retail outlets that displays VISA Electron logo, throughout
     Malaysia and abroad, using BSN Matrix Card.
»   Visa payWave services with multi-privilege that offers a host of benefits to help you live your life easy and
     debt free by using BSN VISA payWave Debit Card.
»   Interbank GIRO (IBG) services.
»   Interbank Fund Transfer (IBFT) services via ATM. Bill Payment services via ATM and Standing Instruction.
»   Convenience of SMS Banking.

GIRO Programmes

Join various programmes and contests especially catered for BSN GIRO Account Holders.
»  Kelab Penabung Muda
»  Skim Galakan Simpanan Pelajar (SGSP)

Withdrawal Limit at BSN ATM

Age RequirementWithdrawal Amount Limit (per day)Number of Transaction Limit (per day)
13 - 15 years old (Teens) Maximum of RM1000 Maximum 3 transactions
16 years old and above (Adults) Maximum of RM5000 Maximum 4 transactions


BSN GIRO Account  (effective 1 December 2013)

Balance in AccountInterest Rate
Up to RM5,000 0.40%
Up to RM50,000 0.60%
Above RM50,000 1.00%


»  Increased interest rates upon monthly minimum savings balance.
»  Payment of dividend is credited to your account annually. 


Fees & Charges

ServiceAnnual Fee
Account Passbook only Free
Card and Account Passbook RM12.00
Card and Account Statement RM12.00
Dormant Savings Account
Balance of RM10 and below Account closed and balance absorbed
Balance above RM10 RM10 yearly


» View all banking Rates & Charges.