What are the "conditions" for opening joint account? Every bank's website I search did not explicitly tell what specific relationship the joint account applicants have to be in order to be able to proceed opening joint account. Is having legal or blood relationship a hidden pre-requisite to open joint account? Today I went to CIMB KLCC to open joint account with my partner (unmarried) and that bugger tell me only married couples, and siblings can open joint account. Didn't know CIMB so righteous in discriminating against money.

That is just CIMB teller trying to impose their own religious / personal beliefs onto you. Challenge them by asking which line in the Terms and Conditions specifically requires joint account holders to be either spouse or siblings only.

In fact, joint account holders may be your parents, colleagues, friends or even neighbours.

Alternatively, just bring your money to a different bank / different branch.

agreed. i even had a local cimb branch, asking me to provide employment letter to open an account.

well u cannot blame them as BNM had instructed to tighten on acc opening, enforcing know-your-customer to reduce mull acc. most bank want employemnt letter by company to oen an acc just like last time my acc opening with maybank

unemployed or doing some roadside business cannot open bank account is it?

edit: as far as i know, there is no rules from bnm to state the requirement.

This post has been edited by !@#$%^: Jul 11 2022, 10:58 AM

can they will ask for diff document for example, student they will ask offer letter or student card.
edit this had the norm either under know-your-customer or anti-money laundering

This post has been edited by akhito: Jul 11 2022, 11:10 AM

not really, that's the only bank who asked for it. i have affin, ambank, bank islam, hong leong, kfh, maybank, ocbc, public, rhb, uob and sc savings account. none of which asked for it. so ..... it is not really a norm nor requirement by bnm.

public bank and maybank asked from me be4 from personal experience. maybe it depends on branches and not strictly enforced

oh yes, that jogs my memory. i subsequently went to another cimb branch, and got it done with JUST my IC.

Can provide an employment letter for a company you had already resigned from?

i'm not sure about that. depends on the bank.

Here's the kicker: I didn't even reach the teller, just the fella who asks what you wanna do and issues you a ticket number. Definitely confirms my little Napoleon theory. Knew there was no good reason to decline my business. Maybe it was the holiday that made them extra alim all of a sudden...

Just pissed at my time being wasted, not easy to find time go KLCC on weekends, considering me and my partner are working adults.

they call you directly ?

when opening acc was asked for the details and supporting document if any

I just got an Alliance bank credit card and noticed that their e-FD rates are not too bad. Therefore i am looking to open a savings account but i want something simple, without any debit card. There are 2 in their website, basic account and esaving account.

Is this similar to M2U and Cimb basic account?

Axxxn Bank
April 2022 experience.

-No employment letter,cannot open.
-Ask them got any solution to open BSA(No fees) but got debit card.
-They gave me a choice put OTC FD,3months 10k.
-Fill in all the details and registered online banking.

Done.

This post has been edited by Dyson Jin: Jul 30 2022, 02:22 PM

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already registered the acc, im waiting for the card delivery

Anyone open Ambank account online?

Do we need to walk in to any branch to complete the process? Any debit card will be post to you with the annual card fee?

Yes you will need to visit branch somehow for verification of thumbprint.