Ambank (M) Berhad SWIFT/BIC code

Ambank (M) Berhad SWIFT code: ARBKMYKL

The 8-character code ARBKMYKL and the 11-character code ARBKMYKLXXX refer to one and the same institution: Ambank (M) Berhad, with its head office in Kuala Lumpur. The code has a single purpose: it makes sure that money from abroad reaches the right bank. In practice you usually come across the code on invoices from abroad, in your banking app and on the account details of Ambank (M) Berhad customers.

Below we go through the practical questions: receiving money at Ambank (M) Berhad, paying someone in another country and how to check a SWIFT code before you confirm a payment. The BIC identifies an institution, not a specific account.

Is ARBKMYKL still correct? How to check

The safest source for a SWIFT code is the bank details provided by the recipient. When the code you were given differs from ARBKMYKL or ARBKMYKLXXX, do not guess – contact the recipient or Ambank (M) Berhad.

Mistakes in the BIC tend to be annoying rather than fatal: often the payment comes back, minus fees. A mistake in the account number can be a bigger problem; check it just as carefully.

Many banking apps check the structure of IBANs, but that does not prove the account belongs to the right person. More and more banks compare the payee name against the account; take any warning seriously. Sending a small amount first is a sensible step for large sums despite the extra fee.

Incoming international payments to Ambank (M) Berhad

For an international payment at Ambank (M) Berhad, the sender needs not just the SWIFT code. That means: your name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code ARBKMYKLXXX and, often, your postal address.

Certain banks want the name and address of Ambank (M) Berhad; it does no harm to include it. Check every detail before you share them, because the sender’s bank usually copies them as is.

What lands in your account can be less than what was sent. Charges on incoming payments vary from bank to bank – the price list of Ambank (M) Berhad tells you what applies. Make clear with the sender who pays which costs.

A note on our data

The details on this page come from public sources. It can happen that information on this page is no longer current. Counts and locations come from our directory.

Use this page as a starting point, not as the last word – the bank details from the recipient are leading. GoldexPay is an independent comparison site and not affiliated with Ambank (M) Berhad. Found an error? Tell us through the contact page.

ARBKMYKL or ARBKMYKLXXX – which one to use?

Every SWIFT/BIC code has the same eight core characters: a four-letter bank code, a two-letter country code and a two-character location code. For Ambank (M) Berhad, that core is ARBKMYKL.

XXX at the end of ARBKMYKLXXX does not stand for a missing value or a mistake: it indicates the head office of Ambank (M) Berhad. Some forms insist on 11 characters, and then you simply enter XXX after ARBKMYKL.

As a rule the code is typed in capitals and without spaces. Look out for O versus 0 or I versus 1, a common source of typos.

Head office or branch code at Ambank (M) Berhad?

Ambank (M) Berhad has 2 separate SWIFT/BIC codes. Only one is the head office code, ARBKMYKLXXX; the rest identify branches or departments.

Usually there is no need to look up a branch: transfers addressed to ARBKMYKLXXX reach Ambank (M) Berhad without problems. Just use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Codes for branches are more prone to be retired than ARBKMYKLXXX when a bank merges or closes offices.

Protect yourself against fake payment requests

A common scam works like this: you receive a request saying that a company now has new bank details and that the next payment should go there. That ARBKMYKL is a real code is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Before paying, verify a change of bank details through a phone call, using a number you already had. Pressure or secrecy are red flags – a real supplier can wait a day. If money was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Recipients can be targeted as well: a classic trick is an overpayment and then sends a request to refund the difference to another account. A screenshot of a transfer proves nothing – check your own account.

Paying someone abroad from your Ambank (M) Berhad account

If you send money abroad from Ambank (M) Berhad, the visible fee is only part of what you pay. There is the transfer fee, sometimes fees charged by intermediary banks in between and, most importantly, the margin on the exchange rate when the money is converted.

The markup on the rate is often the largest cost, and it is easy to miss. An easy check: set the bank’s rate next to the mid-market rate for the same moment and look at the difference.

For many currency pairs, a transfer service turns out to be less expensive than a bank – mostly thanks to the rate. On GoldexPay we compare the amount that arrives with different providers, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at Ambank (M) Berhad – you pay the provider from your own account.

How long does an international transfer to Ambank (M) Berhad take?

How quickly a transfer arrives at Ambank (M) Berhad depends on several factors: the currency, the number of banks in between, daily processing deadlines and differences in time zone. Bank holidays in either country can add extra days to the journey. Extra checks by one of the banks can also add a delay.

If the money seems delayed, ask the sending bank for the tracking status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often show a status online showing how far the money has got.

If a payment has not arrived after a few business days, the person who paid needs to start with their own bank, not the receiving bank. Request from the sender the payment receipt.