Cimb Bank Berhad SWIFT/BIC code

What CIBBMYKL means for a payment to Cimb Bank Berhad

Whether you are given CIBBMYKL or CIBBMYKLXXX, you are looking at the same identifier for Cimb Bank Berhad in Malaysia. Every bank on the SWIFT network uses BIC codes to route payments between countries to the correct bank. In daily life you usually see it on invoices from abroad, in your banking app and on the account details of Cimb Bank Berhad customers.

On this page you will find what the code means, when you need it and which other details you need for a transfer to or from Cimb Bank Berhad. The BIC identifies a bank or branch, never a single account; the IBAN or account number does that.

Incoming international payments to Cimb Bank Berhad

For an international payment at Cimb Bank Berhad, the person paying you has to have not just the SWIFT code. In practice that means: your name as registered with Cimb Bank Berhad, your account number or IBAN, the SWIFT/BIC code CIBBMYKLXXX (or CIBBMYKL) and sometimes your postal address.

Some sending banks want the bank’s address in Kuala Lumpur, so keep it at hand. Check each detail before you share them.

Do not be surprised if the incoming amount is smaller than what the sender paid. Fees for incoming transfers vary from bank to bank; check the price list of Cimb Bank Berhad. Make clear with the sender who covers the fees.

How up to date is this code?

We collect bank codes using publicly available data and check them regularly. Still, banks merge, rename themselves or retire codes. The figures on this page are based on what is in our directory, not official figures from Cimb Bank Berhad.

For a payment of any size, always confirm the BIC with Cimb Bank Berhad or with the recipient. We are a comparison service and not affiliated with Cimb Bank Berhad. If you notice a mistake, we welcome a message.

Cimb Bank Berhad: head office code versus branch codes

Having 2 codes in 1 cities, Cimb Bank Berhad belongs to the banks that register separate codes for branches and departments. The main code is CIBBMYKLXXX.

For the vast majority of payments to a private or business account, the head office code CIBBMYKLXXX is what you need. If you have been given a specific code, stick to it instead of replacing it for the head office code.

Unsure which code to use? Ask the recipient. Codes are sometimes changed or retired over time, so do not rely on old paperwork.

Transfer times and tracking a payment to Cimb Bank Berhad

There is no fixed answer: many land the same day or the next. Payments made after the cut-off time or just before a weekend or public holiday often go out the next business day. Compliance checks on larger or unusual payments can also add a delay.

When a payment takes longer than expected, contact your bank about the status and the transaction reference; with that reference banks can see where the payment is. Money transfer services often provide a status online so you can see where the money is.

If a payment has not arrived after a few business days, the person who paid needs to contact their own bank rather than Cimb Bank Berhad. As a recipient, you can check your statements for a slightly lower amount.

What the XXX in CIBBMYKLXXX means

The layout of a BIC is always the same: a bank code of four letters, two for the country and a two-character location code. That gives you CIBBMYKL for Cimb Bank Berhad.

The 11-character version has three more characters for a branch or department. When those three characters are XXX, the code points to the head office.

Enter the code in one piece, in upper case and without spaces. Pasting the code beats typing it by hand, because one wrong letter changes the bank.

Before you send: check the Cimb Bank Berhad code

The best place to find the right code is a document from the bank itself. When the code you were given does not match CIBBMYKL or CIBBMYKLXXX, stop and ask: check with the recipient or with Cimb Bank Berhad directly.

A wrong SWIFT code can cause a delay, a returned payment or extra fees along the way. Do not forget the account number: an error there is more difficult to undo than a wrong BIC.

Most online banking apps check the structure of IBANs and sometimes look up the BIC automatically. More and more banks compare the payee name against the account. For a first payment, many people start with a small test amount and wait for confirmation.

International transfers from Cimb Bank Berhad: the real cost

When you transfer money to another country from Cimb Bank Berhad, the visible fee is only part of the cost. On top of the transfer fee, correspondent or intermediary banks can deduct a fee, and if currencies are converted, the bank usually uses a rate that is less favourable than the actual market rate.

Many banks do not show the margin on the rate as a cost, but you pay it all the same. An easy check: put the rate you get against the mid-market rate for the same moment and look at the difference.

Money transfer services often offer a rate near the mid-market rate and lower fees. On GoldexPay we compare the amount that arrives across services, which makes the cheapest option easy to spot. You can always use your account at Cimb Bank Berhad as the source of the money, while a cheaper service handles the conversion.

Changed bank details? Be careful

One of the most common tricks goes like this: you receive a message claiming that a supplier has a new bank account. A valid SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Check new bank details through a different channel, never via the email that asked for the change. Urgency and requests to keep it quiet tend to be red flags; a genuine business can wait for you to check. Acted too fast? Contact the bank you paid from straight away and ask them to start a recall and report the fraud.

Recipients can be targeted as well: one known trick is an overpayment and then sends a request to send back the difference abroad. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.