How Many Digits Are in a Malaysian Bank Account Number? (7–16 Digits Explained)

In Malaysia, a bank account number acts as a unique identifier used to process secure and accurate financial transactions. These account numbers typically range from 7 to 16 digits, depending on the bank and account type. Each Malaysian bank standardizes its account number format to ensure smooth transactions across various platforms such as Over-the-Counter (OTC) services, Internet Banking, and Mobile or Desktop Banking.

This standardization helps prevent transaction errors, enhances banking security, and ensures seamless interbank transfers across Malaysia’s financial network. While the digit length varies by bank due to different internal systems and legacy structures, all formats are designed to remain compatible with the country’s modern banking infrastructure. Understanding these formats is essential to avoid failed transactions or misdirected funds.

How Do Malaysian Banks Structure Their Account Numbers?

AFFINBANK maintains 12-digit numbers across their current, savings, loan, and HP accounts. Alliance Bank implements 15-digit numbers for all account types. AmBank uses 13-digit numbers for current and savings accounts, while extending to 14 digits for loan and HP accounts.

CIMB Bank, Bank Islam, Bank Muamalat, and RHB primarily use 14-digit account numbers. Bank Rakyat operates with 12-digit numbers, while Hong Leong Bank and UOB maintain 11-digit numbers. Public Bank employs 10-digit numbers for current and savings accounts, but 15 digits for loan and HP accounts.

What Are The Account Number Standards For International Banks In Malaysia?

Standard Chartered Bank uses 12-digit numbers for current and savings accounts, but uniquely has 8-digit loan account numbers. HSBC maintains 12-digit numbers for current and savings accounts, with 14-digit loan accounts. Citibank operates with 10-digit numbers for current and savings accounts, extending to 14 digits for loans. Deutsche Bank consistently uses 10-digit numbers across all account types.

How Do Islamic Banks Format Their Account Numbers?

Kuwait Finance House employs 12-digit account numbers for both current and savings accounts. Bank Islam and Bank Muamalat maintain 14-digit account numbers, aligning with several conventional banks’ standards.

What Is The Standard Length For Credit Card Numbers?

The majority of Malaysian banks issue credit cards with 16-digit numbers for Visa and Mastercard. American Express cards, available through banks like Hong Leong Bank and Maybank, feature 15-digit numbers. Bank Rakyat specifically notes 16-digit numbers for their Master cards.

Which Banks Have Unique Account Number Formats?

BSN implements 16-digit current account numbers, while the Royal Bank of Scotland offers varied formats: 7 and 9 digits for personal accounts, with an additional 10-digit option for corporate accounts. Bank of America maintains 12-digit numbers for both current and savings accounts.

Complete List of Account No Length for Banks in Malaysia

Below is the complete list of account number length for 21 banks in Malaysia:

1. Affin Bank

• Current Account: 12 digits
• Saving Account: 12 digits
• Credit Card: 16 digits
• Loan Account: 12 digits
• HP Account: 12 digits
• Delivery Channel: OTC, Internet, Desktop Banking

2. Alliance Bank

• Current Account: 15 digits
• Saving Account: 15 digits
• Credit Card: 16 digits
• Loan Account: 15 digits
• HP Account: 15 digits
• Delivery Channel: OTC, Internet

3. AmBank

• Current Account: 13 digits
• Saving Account: 13 digits
• Credit Card: 16 digits (MBF & Ambank)
• Loan Account: 14 digits
• HP Account: 14 digits
• Delivery Channel: OTC, Internet

4. CIMB

• Current Account: 14 digits
• Saving Account: 14 digits
• Credit Card: 16 digits
• Delivery Channel: OTC, Internet

5. Bank Mualamat

• Current Account: 14 digits
• Saving Account: 14 digits
• Delivery Channel: Desktop Banking, OTC

6. Bank Islam

• Current Account: 14 digits
• Saving Account: 14 digits
• Credit Card: 16 digits
• Loan Account: 14 digits
• HP Account: 14 digits
• Delivery Channel: OTC, Internet, Desktop Banking

7. Bank Rakyat

• Current Account: 12 digits
• Credit Card: 16 digits (Master)
• Loan Account: 12 digits
• Delivery Channel: OTC

8. Hong Leong Bank

• Current Account: 11 digits
• Saving Account: 11 digits
• Credit Card: 16 digits (Visa/Master), 15 digits (Amex)
• Loan Account: 11 digits
• HP Account: 11 digits
• Delivery Channel: OTC, Internet

9. Maybank Bank

• Current Account: 12 digits
• Saving Account: 12 digits
• Credit Card: 16 digits (Visa/Master), 15 digits (Amex)
• Loan Account: 12 digits
• HP Account: 12 digits
• Delivery Channel: OTC, Internet

10. Public Bank

• Current Account: 10 digits
• Saving Account: 10 digits
• Credit Card: 16 digits
• Loan Account: 15 digits
• HP Account: 15 digits
• Delivery Channel: OTC, Internet

11. RHB

• Current Account: 14 digits
• Saving Account: 14 digits
• Credit Card: 16 digits
• Loan Account: 14 digits
• HP Account: 12 digits
• Delivery Channel: OTC, Internet

12. Citibank

• Current Account: 10 digits
• Saving Account: 10 digits
• Credit Card: 16 digits
• Loan Account: 14 digits
• Delivery Channel: OTC, Internet

13. OCBC

• Current Account: 10 digits
• Saving Account: 10 digits
• Credit Card: 16 digits
• Loan Account: 10 digits
• Delivery Channel: OTC, Internet, Phone Banking

14. HSBC

• Current Account: 12 digits
• Saving Account: 12 digits
• Credit Card: 16 digits
• Loan Account: 14 digits
• Delivery Channel: OTC, Internet

15. Standard Chartered Bank

• Current Account: 12 digits
• Saving Account: 12 digits
• Credit Card: 16 digits
• Loan Account: 8 digits
• Delivery Channel: OTC, ATM, Phone Banking

16. BSN

• Current Account: 16 digits
• Credit Card: 16 digits
• Loan Account: 15 digits
• Delivery Channel: OTC

17. UOB

• Current Account: 11 digits
• Saving Account: 11 digits
• Credit Card: 16 digits
• Loan Account: 11 digits
• Delivery Channel: OTC, Internet

18. Deutsche Bank

• Current Account: 10 digits
• Saving Account: 10 digits
• Loan Account: 10 digits
• Delivery Channel: OTC, Internet

19. Royal Bank of Scotland

• Current Account: 7 digits & 9 digits (Personal), 7 digits, 9 digits & 10 digits (Corporate)
• Saving Account: 7 digits & 9 digits (Personal)
• Delivery Channel: OTC, Internet, Desktop Banking

20. Bank of America

• Current Account: 12 digits
• Saving Account: 12 digits
• Delivery Channel: OTC, Internet

21. Kuwait Finance House (Malaysia) Berhad

• Current Account: 12 digits
• Saving Account: 12 digits
• Delivery Channel: OTC, Internet

Why Are Bank Account Numbers Important For IBG Transfers?

Interbank GIRO (IBG) transfers require precise bank account numbers for 4 main reasons including transaction validation, system processing, error prevention and automated clearing.

The automated clearing house system relies on correct account number formats for efficient processing of bulk payments.

To validate the transactions, banks use account number lengths as the first validation step for IBG and GIRO transfers. Incorrect digit counts will cause immediate transaction rejection.

The Malaysian electronic payment system processes millions of IBG and GIRO transactions daily, requiring standardized account number formats for each bank.

To prevent any error durin transfer, proper account number length helps prevent misdirected transfers, ensuring funds reach the intended recipient.