Monday, 11 December 2017,   22 Rabiulawal 1439H

Personal Banking

Home Personal Banking Deposits > BSN GIRO 


BSN GIRO 


Open a BSN GIRO to enjoy greater flexibility and convenience in your banking
transactions.


Features & Benefits

» Convenient ATM and CDM services throughout Malaysia.
» BSN GIRO transactions can be made at any BSN Branch or BSN ATM.
» Deposits, withdrawals or fund transfers can be managed at any BSN Counter or BSN ATM as well as other banks' ATMs with MEPS.
» Interbank Fund Transfer (IBFT) services via BSN ATM. 
» Bill Payment services via BSN ATM and Standing Instruction.
» Interbank GIRO (IBG) services.
» Convenient SMS Banking.
» Shopping convenience in over 29 million merchants worldwide with BSN Visa Debit Card (available with BSN GIRO). Valid at any retail outlet that displays the VISA logo. 
» Convenient and debt-free lifestyle with BSN Visa Debit Card that comes equipped MEPS and  B Infinite (formerly BCARD) Loyalty Program. Available for all BSN GIRO accountholders. 
» Membership to BSN GIRO Programmes – BSN Smart Junior, BSN Skim Galakan Simpanan Pelajar (SGSP).
   

Requirements

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

Category

Age

Minimum Savings Amount

Individual

 

 

Adult

16 years and above

RM50

Teenager

13-15 years

RM50

Children

7-12 years

RM10

Joint Account

 7 years and above

RM50

Trust Account

18 years and above (guardian) /  7 years and below (children) 

RM50 

Special Category

Age

Minimum Savings Amount

Salary Account

18 years and above

RM10 

Scholarship

15 years and above

RM10 

 BSN Skim Galakan Simpanan 
Pelajar (SGSP)

7 years and above

RM10

BSN Smart Junior

 7 years and above

RM160

Kesatuan Kebajikan Masyarakat

-

RM10

Students (promotion counter)

-

RM10

 Notes: 

» Opening of accounts can be performed at any BSN Branch.

 

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: To be maintained by two account holders.
   
   

Rates

» BSN GIRO (effective 1 November 2016 )

Balance in AccountInterest Rate (% p.a.)
All balances 0.25%

 Note: 

» Interest is calculated based on monthly minimum balance and credited yearly.

 

Withdrawal Limit at BSN ATM

Age Requirement Withdrawal Amount Limit (per day) Number of Transaction Limit (per day)
13 - 15 years old Maximum of RM1,000 Maximum 3 transactions
16 years old and above Maximum of RM5,000 Maximum 4 transactions

 

Fee & Charges

Service

Amount

Debit Card Application

RM12

Replacement debit card

RM12

Annual service card

RM8

*Dormant Account

Balance of RM10 and below

 

Account closed and balance absorbed as service fee.

*Dormant Account

Balance above RM10

 

RM10 yearly

 Important Notes:

» BSN GIRO Account dormant for 7 years will be closed in accordance to Unclaimed Money Act 1965.
» All BSN's Deposit products are guaranteed by the Malaysian Government.
»

View all banking  Rates & Charges.

* Dormant account charges is only imposed on inactive account which do not have any transaction from customer for a continuous period of at least twelve (12) months.