Bank of China (Malaysia) Berhad

    Right from its inception, Bank of China (Malaysia) Berhad has been instrumental in bringing together business development and bilateral trade between Malaysia and China. It provides personal banking solutions to optimise the business development for Malaysia and China.

    Over the years, the bank has also been offering many financial products and services besides corporate lending, global loan facility, cross border trade settlements and many more.

    Awards and Recognition

    The bank has won the Best Emerging IBG Bank award in May 2017.

    List of services

    • Corporate banking
    • Personal banking

    List of products

    The following are the list of products that this bank offers:

    • Deposit Accounts: This bank has seven types of deposit accounts.
      • Panda Junior Dual Currency Savings Account: This is a junior account that comes with dual currency savings feature - in RMB and MYR. This account is ideal for saving up for your child’s education.
      • RMB Demand Deposit Account: Malaysian citizens, permanent residents and foreigners can open this account if they want to deposit or withdraw cash in RMB.
      • Basic Current Account: This current account gives you checking facility besides offering overdraft facility as well. You can open this account on a single or joint basis.
      • Basic Savings Account/ Normal Savings Account: This is an interest bearing passbook account and you can withdraw the usable balance any time from this account. The initial deposit amount should be at least MYR20 and the minimum balance should be MYR20 at any point of time.
      • Fixed Deposit Account: You can get higher returns with this account compared to your savings account. The interest is payable both yearly and upon maturity.
      • Foreign Currency Demand Deposit Account: This is a demand deposit account that currently supports four kinds of foreign currency– CNY, USD, CNY, HKD and EUR. Malaysian citizens, permanent residents of Malaysia as well as foreigners who is 18+ years can open this account.
      • Foreign Currency Time Deposit Account: This is a deposit placement account in foreign currency that comes with a fixed time period. You will get the interest only upon maturity. CNY and USD are the two types of foreign currency available.
    • Loans: This bank offers the following loans to its customers:
      • Malaysia My Second Home Programme (MM2H): You can get the MM2H loan package at competitive interest rate along with high loan margin.
      • Housing Loan: This is a term loan that you can get if you want to buy a completed or under construction residential property.
      • Term Loan: All individual customers can get this loan to partially finance a fixed asset or refinance an existing asset.
      • Overdraft: This is a credit facility that is given to a current account holder for their personal usage. There are many types of overdraft facilities - against Fixed Deposit, against shares, and against a charge on property.
    • Remittance and Exchange: They have the following products:
      • Bank of China Global Payment of Intelligence: This product provides priority processing, tracking services, and fees transparency to all Malaysians and foreigners ages 18+ years.
      • Foreign Currency Notes Exchange: Malaysians or foreigners who needs foreign currency notes can exchange CNY or USD currency notes through this product.
      • Cashier's Order: a financial instrument that an accountholder can apply from BOCM and it is made payable to an identified payee in Malaysia.
      • International Remittance – Inward: This product helps you to receive overseas fund transfer. Demand draft and telegraphic transfer are the two types of internal remittance services offered by this bank.
      • Demand Draft: Through a demand draft, it is easy to remit funds to your beneficiary. All Malaysian citizens, permanent residents and foreigners can apply for this bank product.
      • Telegraphic Transfer: You can transfer the money directly to the bank account of your beneficiary with the telegraphic transfer.
      • International Remittance – Outward: You can transfer money in most parts of the world in a safe way through international remittance.
      • RENTAS: You can transfer money safely and quickly to any account with any Malaysian bank via RENTAS.
    • Bank Cards:
      • Bank of China Malaysia Great Wall International Debit Card: This card allows you to withdraw money from more than 2.1 million ATM bearing the MasterCard logo. The ATM Withdrawal limit is RM10,000 each day. Teenagers below 18 years can apply for this card.
      • Great Wall Travel Prepaid Card: This card offers widespread acceptance in China through the UnionPay network and offers shopping, dining, and entertainment deals across Hong Kong, Macau, and Mainland China.
      • Great Wall Prepaid Card: This card is widely accepted at any UnionPay merchant in Mainland China, Hong Kong, and Macau. No maintenance fee is required for this card.
    • Wealth Management:
      • Great Wall Income Protection Plan: This protection plan provides financial security to you and your loved ones besides giving you insurance protection in the event of any unforeseen circumstances.
      • Great Wall Personal Accident Insurance: This plan gives accident cover to you and your family 24/7 worldwide.
      • Great Wall Annual Travel Insurance: This travel insurance plan covers you year round for just RM1.13 each day. This plan also takes care of your medical expenditures while you are travelling.
      • Propitious Gold: You can enhance your wealth with these precious metal products from this bank.
      • Chinese Panda Bullion Gold and Silver Coins: You can invest your money with these bullion coins if you are looking for a balanced portfolio.

    Branches Working Hours

    Here are the work timings for different branches of Bank of China (Malaysia) Berhad:

    • Penang, Kuala Lumpur, Melaka Branch, Kuching Branch - 9:30 a.m. – 4:00 p.m.
    • Muar Branch- 8:00 a.m. - 3:30 a.m.
    • VISA Center – 9:00 a.m. – 4:00 p.m.
    • Klang Branch - 9:00 a.m. – 6:00 p.m.
    • Johor Bahru Branch - 9:15a.m. - 3:45 p.m.
    • Puchong Branch – 10:00 a.m. – 4:00 p.m.

    Headquarter Address

    Ground Mezzanine, Plaza OSK, 25, Jalan Ampang,

    Hampshire Park,

    50450 Kuala Lumpur,

    Wilayah Persekutuan Kuala Lumpur, Malaysia

    Customer Care Numbers

    You can all the bank at +60 3-2059 5566

    MM2H Desk Contact Centre Number: (6)03 – 2162 6633 extension 8119 / 8306

    Email address

    For any service related issues, you can write to: [email protected]

    For any query regarding Malaysia My Second Home Programme, reach out to: [email protected]


    Q. Which banks offer IBG facility to their customers?

    A. The following banks offer IBG facility to customers:

    • Affin Bank
    • Affin Islamic
    • Agro Bank
    • CIMB Bank
    • CIMB Islamic
    • Hong Leong Bank
    • Hong Leong Islamic Bank
    • SMBC
    • OCBC Bank
    • OCBC Al-Amin
    • HSBC Amanah
    • J.P. Morgan
    • Public Bank
    • Public Islamic Bank

    Q. Which currency does the Bank of China (Malaysia) ATM accepts?

    A. Currently, the ATMs are only accepting Malaysia Ringgit notes only.

    Q. What is the ATM withdrawal limit permitted for every transaction and what is accumulated withdrawal limit per day?

    A. The minimum withdrawal amount is RM20.00 and the maximum withdrawal amount is RM2,000.00. The daily accumulated maximum withdrawal limit is set at RM10,000.00 by default.

    Q. What are the different functions of the Great Wall "Maestro" International Debit Card?

    A. The Great Wall "Maestro" International Debit Card has the following functions:

    • The card supports purchases in multiple foreign currencies with USD as its currency of account. When customers buy anything with this card or withdraws money abroad, the transactions will be shown in USD.
    • The card facilitates overseas ATM withdrawals with CIRRUS logo and overseas payment as well.

    Q. What are the document required to open a Panda Junior Dual Currency Savings Account?

    A. The following documents are required to open this junior account:

    Age For Malaysians For Foreigners
    Children below 12 years Birth Certificate of the child and/or MyKid copy Passport and/or birth certificate
    Children between 12-18 years Birth Certificate of the child and/or NRIC Passport and/or birth certificate
    Parents/Guardians Parents’/Guardian’s original NRIC and all the required documents like Legal Adoption Certificate Original passport and/or work permit/ visa with Letter of employment

    Q. What is the minimum requirement for the junior account?

    A. The minimum initial deposit is RMB100/MYR20.00. The minimum balance amount should be MYR 20.00/RMB 40.00.

    Q. What is the eligibility criteria needed to open a Basic Savings Account/ Normal Savings Account?

    A. Citizens of Malaysia and permanent residents who are aged 18 years and above are eligible to open this account.

    Q. What are the documents required to get a housing loan?

    A. You need to produce the following documents before the bank to get a housing loan:

    • A photocopy of NRIC or your passport
    • Last three consecutive months’ salary slip or Income Tax Assessment.
    • Latest EPF statement or bank statement showing salary credit
    • Sales and Purchase Agreement
    • Tenancy Agreement
    • If you are self-employed, you need to provide the following:
      • Business registration or Form 24 & 49
      • Bank statements of the last six months
      • Copy of the latest financial statement

    Q. What is the application requirements for Bank of China Global Payment of Intelligence?

    A. The list here mentions the application requirements:

    • All the deposit account holders of the bank.
    • Customers paying by cash should have their valid identification credentials.
    • Supporting documents should be provided if the remittance amount is more than MYR25,000.

    Q. What are the documents required to apply for Bank of China Malaysia Great Wall International Debit Card?

    A. The following documents are required:

    • A photocopy of MyKad/passport.
    • MYR savings/current account.
    • Work permit/student pass for foreigners.
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