Sunday, 18 November 2018,   08 Rabiulawal 1440H

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

Minimum balance
in account

Individual

Adult

16 years and above

RM50

RM10

Teenager

13-15 years

RM50

RM10

Children

7-12 years

RM10

RM10

Joint Account

 7 years and above

RM50

RM10

Trust Account

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

RM50 

RM10

Special Category

Age

Minimum Savings Amount

Minimum balance
in account

Salary Account

18 years and above

RM10 

RM10

Scholarship

15 years and above

RM10 

RM10

BSN Skim Galakan Simpanan 
Pelajar (SGSP)

7 years and above

RM10

RM10

BSN Smart Junior

 7 years and above

RM160

RM160

Kesatuan Kebajikan Masyarakat

-

RM10

RM10

Students (promotion counter)

-

RM10

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.