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HSBC Malaysia
Fusion
Products and services

Take your small business further with HSBC Fusion

We know running a small business is tough. HSBC Fusion makes it easier to manage your business finances and provides added personal account benefits, as well as extra support and services tailored to you.

Find out more

Call us on 1 300 801 998 or leave us your details and we'll call you as soon as we can.

Operation hours: Monday - Friday (except public holidays), 09:00 -18:00 MYT (GMT +8)

Everyday banking

Our small business bank accounts

Discover our business accounts to suit your needs, whether you're just starting out or an established company, and unlock a world of HSBC Fusion benefits.

Small business owner holding invoice paper; image used for HSBC Fusion Malaysia Products and services page

Basic Current Account

Manage your funds 24/7 wherever you are and make payments and collections online or at our branches.

Small business owner checking the fabric in the shop; image used for HSBC Fusion Malaysia Products and services page

HSBC Fusion 1-Biz Account

The 1-Biz Account is designed so you can earn interest based on your monthly average credit balance. The applicable interest rate structure is determined by the Integrated Total Relationship Balance of both your business and personal relationship with HSBC.

HSBC personal bank accounts

A tailored HSBC Fusion Business Package can give you all the benefits of HSBC Premier, including a waiver on the monthly fee for both your HSBC Premier personal account and HSBC Business Fusion Package fee.

Explore everything you can do with HSBC Fusion

HSBC Fusion does more than just make business and personal banking easier. You'll have access to a range of additional services to help your business thrive, often at preferential rates.

Make and receive payments

Foreign currency account

Get convenient access to foreign currency and meet your FX needs.
DuitNow QR

Scan and receive your payment instantly in the safest and most convenient way.
Perks @ Work

Reward your employees with an HSBC current account, including special loan rates and easy bill payments.

Grow your small business

Working capital loan

Our short-term working capital loans can help improve your cash flow and meet capital liquidity needs.
Fixed asset loan

Borrow for up to 15 years with a fixed asset loan, whether you're expanding your business or buying self-use commercial property.

Improve your cash flow

1-Biz account

A current account designed specifically so you can earn interest based on your monthly average credit balance.
Time deposit account

Reach your saving goals and put away surplus cash with a fixed rate and flexible term.
Foreign currency time deposit account

Manage your foreign currency assets flexibly with a choice of 8 major currencies.

Things you should know

Am I eligible?

You can apply for HSBC Fusion if you're a small business with a turnover of up to RM12 million. Speak to one of our Relationship Managers to find out more.

We offer 3 HSBC Fusion Business Packages. Each is designed to meet your specific business needs, with a comprehensive range of benefits included.

Discover each package and some of their benefits below.

HSBC Fusion Basic offers:

an RM30 monthly fee waiver for our digital banking tool for businesses, HSBCnet
a special interest rate for the HSBC 1-Biz Account

HSBC Fusion Essential gives you all benefits of HSBC Fusion Basic, plus:

fee waivers on local payments in HSBCnet such as GIRO, JOMPAY and Interbank RENTAS
real-time and preferential FX rates with Get Rate

HSBC Fusion Elite gives you all the benefits of HSBC Fusion Essential, plus:

fee waivers on international payments from your MYR account in HSBCnet (not including intermediary charges)

You can get full details of the HSBC Fusion Business Packages and fees here.

There are 3 HSBC Fusion Business Packages: HSBC Fusion Basic, HSBC Fusion Essential and HSBC Fusion Elite. Fees start at RM18, but we'll waive the fees on some of our packages if you maintain an integrated Total Relationship Balance (ITRB).

You can get full details of the HSBC Fusion Business Packages and fees here.

ITRB is a combination of your personal and business total relationship balance with HSBC Malaysia.

It integrates the Total Relationship Balance (TRB) of both your business current account and your personal account, as well as other assets you hold with us, like investments or insurance products.

Here's an overview of the assets that may be included in your ITRB.

1. Business

all deposits in your business current account/-i. This includes Malaysia Ringgit and foreign currency accounts

2. Personal

all deposits in your personal current account/i, savings account/-i
your time deposits or term deposits-i balance
investments in Unit Trust Funds or Shariah compliant Unit Trust Funds
structured investments/-i and dual currency investments/-i
Direct Retail bonds
the cash value of a family Takaful plan
life insurance products that include investment and saving components

Good news, HSBC Fusion is available to both existing and new customers. If you already bank with us, you can still get an HSBC Fusion Business Package by opening a business account.

Ready to get started?

It's easy to get in touch with us. Call us on 1 300 801 998 (or +60383218888 if you're calling from overseas), or leave your details with us and we'll call you back.

Alternatively, you can find your nearest branch or arrange an office visit to speak with us in person.

Operation hours:
Monday - Friday (except public holidays)
09:00 - 18:00 MYT (GMT +8)

Important notes

Member of PIDM. Protected by PIDM up to RM250,000 for each depositor.

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