SWIFT/BIC codes in Malaysia: banks starting with D

Bank SWIFT codes for Malaysia

On this page you find codes for 321 institutions in Malaysia. You will need a SWIFT/BIC code mostly for international transfers and for payments in a foreign currency.

Every bank has its own page with the head office code and, where available, branch codes. Further down we explain how a code from Malaysia is put together, how to send money there without overpaying and what to check before you pay.

Most SWIFT codes in Malaysia: United Overseas Bank (Malaysia) Berhad

In our data, United Overseas Bank (Malaysia) Berhad holds the most SWIFT/BIC codes of all banks in Malaysia. Its head office code is UOVBMYKLXXX, which is the code to use when no branch is specified.

How many codes a bank has says something about how it registers branches and services than about its size. Unless a branch code is given, UOVBMYKLXXX is fine for a payment to United Overseas Bank (Malaysia) Berhad.

Check the code before you pay

The most reliable place for the correct BIC remains paperwork issued by the bank. When the code you were given does not match our list, stop and ask: check with the recipient or the bank.

We collect bank codes using public sources and check them from time to time. Institutions merge, close branches and change codes, and no directory catches every change immediately. For any payment that matters, confirm the code with the recipient. GoldexPay is not a bank and is not affiliated with the banks listed.

Scammers often send fake invoices carrying new bank details that look completely genuine. Always confirm changed details through a separate channel, using a number you already had.

Banks in Malaysia beginning with the letter :letter

This list shows only the banks in Malaysia whose name starts with :letter. The counts in the introduction always refer to all banks in Malaysia, not just this letter.

If the bank you need is missing here, try the full list – the registered name can differ from the name people use. Try the full list for Malaysia if you do not know the exact name.

Why a transfer to Malaysia needs a SWIFT code

Malaysia is outside the SEPA area, the European zone for uniform euro payments. International transfers to Malaysia normally go through the SWIFT network.

Depending on the country, accounts are identified by a domestic account number rather than an IBAN and sometimes a local routing or branch code. Ask the recipient which details their bank needs for payments from abroad – many banks give clear instructions for this. Before it arrives, a payment can go through intermediary banks that take a fee.

Sending money to Malaysia for less

What you pay for a payment to Malaysia is made up of more than one component – not only the fee you see. You pay the transfer fee, sometimes charges from intermediary banks and, most importantly, the margin on the exchange rate if the money is converted.

The real cost is often in the rate, rather than in the fee. A simple test: put the offered rate against the mid-market rate and work out the difference on your amount.

For many routes, a transfer service is cheaper than a traditional bank transfer. GoldexPay compares these providers side by side, showing what actually arrives in Malaysia for the same amount sent.

What the letters in a Malaysia BIC mean

Each SWIFT/BIC code has eight or eleven characters in a fixed order. It starts with a four-letter bank code, followed by two letters for the country and two characters for the location.

Whatever the bank, all Malaysia codes share the same fifth and sixth letters, namely the ISO code of Malaysia. If the country letters point to another country, the code belongs to a bank somewhere else, so check again.

The last three characters, if present, stand for a specific branch; XXX means the head office. For most transfers the head office code is fine unless the recipient asks for a specific branch.

What a sender needs to pay you in Malaysia

For a transfer from abroad into a Malaysia account, the sender needs more than the SWIFT code. In practice that means: your name as your bank knows it, your account number or IBAN, the SWIFT/BIC code of your bank and sometimes your address.

Find your bank in the list on this page to check its code. It helps to add your bank’s name and city, since some payment forms ask for it.

Expect that the amount credited is below the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank; check the price list of your bank. On invoices, agree how the fees are split.

Tracking a payment to Malaysia

How quickly a payment reaches Malaysia is determined by a few things: which currency you send, the number of banks in between, daily processing deadlines and time zones. Bank holidays in either country add a day or more, because banks do not process payments on those days.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each gpi transfer gets a unique reference, the UETR that banks can use to see where the money is. Keep the payment confirmation until the recipient confirms – you will need it if something goes wrong.