Apply online with secure eKYC. Verify your identity and submit the required documents digitally- no branch visit required*.
BUSINESS ACCESS
Business Banking Solutions for Growing SMEs
Explore available promotions for Business Access.
Find out more.
A business banking account for SMEs to manage payments, cash flow and daily banking with ease.
FEATURES AND BENEFITS
Award-Winning Digital Banking
Gain real-time access to your account information and balances through OCBC OneTouch, or manage all your banking requirements 24/7 with our award-winning platform, OCBC Velocity. Both services are accessible via the OCBC Malaysia Business Mobile Banking app.
Gain real-time access to your account information and balances through OCBC OneTouch, or manage all your banking requirements 24/7 with our award-winning platform, OCBC Velocity. Both services are accessible via the OCBC Malaysia Business Mobile Banking app.
Seamless local and overseas payments
Make local payments, collect funds and transfer money overseas with competitive fees- all from your business account
Make local payments, collect funds and transfer money overseas with competitive fees- all from your business account
100% online application*
Open your business account online with secure eKYC verification- no branch visit required *Subject to completion of online application process. If you need any assistance on the application, please call us at 603-8317 5200
Open your business account online with secure eKYC verification- no branch visit required *Subject to completion of online application process. If you need any assistance on the application, please call us at 603-8317 5200
FX Online
Book competitive foreign exchange rates and complete your FX transactions digitally through OCBC Velocity.
Book competitive foreign exchange rates and complete your FX transactions digitally through OCBC Velocity.
BEFORE YOU APPLY
Eligibility requirements
Who can apply for Business Access
All businesses including SMEs as defined by Bank Negara Malaysia
All directors/ sole proprietors/ partners must be citizens of Malaysia
Has sole proprietor or up to 2 partners / directors
SSM report must be updated with the latest list of sole proprietor, partners, directors, shareholders
For businesses with more than 2 partners / directors, you may consider our MYR Business Current Account
Looking for a Shariah-compliant business account? Find out more about our OCBC Business Access Account-i
Fees
Minimum initial deposit
RM50,000
Monthly account fee
RM20
OCBC Velocity (Business Internet Banking)
Waived monthly fee
OCBC Velocity online training
RM20 (one-time charge)
OCBC OneToken (digital security token)
2 complimentary tokens RM40 for each subsequent token
RENTAS (per transaction)
RM2
Direct Debit (per transaction)
No charge
Online Group training (Combine session with other companies)
No charge
Important notices
Protected by PIDM up to RM250,000 for each depositor.
This deposit is an eligible deposit insured by the Malaysian Deposit Insurance Corporation (PIDM). PIDM insures eligible deposits for up to RM250,000 per depositor per bank. The RM250,000 limit includes both the principal amount of a deposit and the interest/return. Islamic and conventional deposits are eligible for a separate coverage limit of RM250,000.
- Deposit protection is automatic
- PIDM protects depositors holding deposits with banks
- There is no charge to depositors for deposit insurance protection
- Should a bank fail, PIDM will promptly reimburse depositors over their deposit
For more information, please refer to the PIDM information brochures that are available at our counter or go to website at www.pidm.gov.my.
APPLY FOR BUSINESS ACCESS
Open your OCBC Business Access account today.
OTHER PRODUCTS YOU MAY LIKE
OCBC OneCollect
Your mobile collection application of choice to collect local and cross border transactions
Foreign Currency Time Deposit
Deposit your foreign currencies over a period & earn interests
Digital Business Banking
Take advantage of our banking tools to grow your business effectively in this digital age.
OUR AWARDS AND ACCOLADES
Best Digitally-Driven SME Bank in Southeast Asia
The Digital Banker Global SME Banking Innovation Awards 2026
ASEAN SME Bank of the Year
Asian Banking & Finance Retail Banking Awards 2026
Best SME Bank in Malaysia
Global Finance Best SME Bank Award 2026
FAQs for business access
Common questions about Business Access
How can I open a business account online?
Can I open a business account if my company has multiple directors?
Business Access supports companies with up to 2 partners/directors. If your company has more than two directors, explore other business account solutions for your business needs.
What is the difference between an online and a standard business account?
An online business account offers the same banking services as a standard business account, with the added convenience of applying online and managing your account anytime through digital banking.
What is the difference between OCBC Business Access and Business Signature accounts?
OCBC Business Access and Business Signature are designed for SMEs at different growth stages.
• OCBC Business Access is ideal for growing SMEs that require essential banking services for daily transactions and online banking. It comes with a minimum initial deposit of RM50,000, making it a practical choice for businesses looking to scale.
• OCBC Business Signature is designed for more established businesses with higher transaction volumes and more complex banking needs. It offers enhanced features and greater flexibility, with a minimum initial deposit of RM250,000.