SMEBank innerpage Products

  • Payment for SME Bank Financing

    You can make your financing payments through the following channels :

    Payment Channels

     

    Payment method via Internet Banking

    CIMB Clicks Account Holders

    Option 1: Through ‘Transfer – Within CIMB Bank’
    Option 2: Through Pay Bills

     

    Payment instruction must include the following information :

    1. Customer Repayment Account Number 14 digits - 98955 XXXXXXXXX
    2. Telephone number
    3. Customer Name
    4. Repayment amount

    Maybank2u Account Holders

    Option 1: Through ‘Transfer – New Interbank Fund Transfer – Make a one off transfer to CIMB Bank Berhad’

    Payment instruction must include the following information :

    1. Customer Repayment Account Number 14 digits - 98955 XXXXXXXXX
    2. Telephone number
    3. Customer Name
    4. Repayment amount
    5. Recipient ID Validation – Choose “No”

     

    Option 2: Through ‘Bill Payment – All Payee – SME Bank’

    Payment instruction must include the following information :

    1. Customer Repayment Account Number 14 digits - 98955 XXXXXXXXX
    2. Customer Name
    3. Amount

    Other banks’ Internet banking account holder

    • Over the counter at Bank Simpanan Nasional and CIMB Bank Collect Service counter.
    • CIMB Bank ATM (Automatic Teller Machine – Direct Transfer)
    • Cash Deposit Machine / Cheque at CIMB Bank

    Payment instruction must include the following information :

    1. Customer No. 14 digits - 98955 XXXXXXXXX
    2. Amount

    Through ‘Fund Transfer’ from Customer’s bank account through Interbank GIRO or Instant Transfer or RENTAS to CIMB Bank Berhad.

    Internet banking instruction must include the following information:

    1. Customer 14 digit No. - 98955 XXXXXXXXX
    2. Telephone No.
    3. Customer Name
    4. Amount
    5. *Recipient ID validation – Select “No.” (if applicable)
  • SME Bank Fees & Charges

    Processing Fee

    Fees & Charges Micro, Small and Medium Enterprises* Large Enterprise
    Term and Revolving Financing
    - Up to RM10 million Not applicable RM50,000
    - RM10 million to RM20 million Not applicable RM75,000
    - Above RM20 million Not applicable RM100,000

    Facilty Fee for Contract Financing

    Fees & Charges Micro, Small and Medium Enterprises* Large Enterprise
    Facility Fee for Contract Financing 0.1% of financing amount

    In-house Financing Documentation (Pre-printed)

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Facility Fee for Contract Financing RM1,000**

    Amendment / Variation of Facility Term & Condition

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Amendment / Variation of Facility Term & Condition Not applicable RM500

    Restructuring / Rescheduling of Facility

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Restructuring / Rescheduling of Facility Not applicable RM200

    Redemption Letter / Statement

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Redemption Leter / Statement Not applicable RM100

    Cancellation Fee

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Cancellation Fee Not applicable 0.25% of the facility limit upon cancellation of the Letter of Offer.

    Letter of Disclaimer cum Redemption cum Undertaking (Letter of Undertaking) for Bridging Accounts

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Letter of Disclaimer cum Redemption cum Undertaking (Letter of Undertaking) for Bridging Accounts
    - 1st issuance RM500
    - Reissuance RM100

    Letter of Support

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Letter of Support RM100 for each issuance (not applicable to Micro Enterprises)

    Trading Fee (brokerage fee)

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Trading Fee (brokerage fee)
    [Charged by Bursa Suq Al-Sila’ (BSAS)]
    RM10 for RM1,000,000 or part thereof for every transaction.

    Bank Guarantee Fee

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Bank Guarantee Fee
    Issuance, renewal and amendments related to increase in amount and extension of expiry date / claim period
    0.125% per month or minimum RM100 per issuance
    Other amendments (Other than increase in amount and extension of expiry date / claim period) RM50 RM100

    Trade Finance Related

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Trade Finance Related
    Issuance of Letter of Credit (LC) 0.15% per month or minimum RM100
    Handling Fee (Handling negotiation and payment of LC) RM100
    LC amendment (Extension of validity period or incremental value) 0.15% per month or minimum RM100
    Other amendments to LC RM100
    Issuance of Shipping Guarantee 0.20% on invoice value
    SWIFT charges (for foreign correspondences) RM100
    Charges in lieu of FOREX (Administrative cost for monitoring the rate, phone, fax and etc.) RM100

    Banking Operations

    Fees & Charges Micro, Small and Medium Enterpirses* Large Enterprise
    Banking Operations
    Audit Confirmation (Account Statement)
    RM50 RM100
    Telegraphic Transfer
           - RENTAS Fee Inward: Nil
    Outward: RM10
           - Interbank Giro (IBG) for amount below than RM10,000 RM2
    Stamp Duty RM10 per stamping (as per Stamp Duty Act)

    *Not applicable for Micro & SMEs categories under National SME Development Council (NSDC).
    **Fee is exclusive of Stamp Duty
    All the above Fees & Charges are exclusive of 6% Goods & Services Tax (GST).

    Illustration on Ta’widh (compensation) for Sale-Based Financing

    Illustration on Ta’widh (compensation) for Sale-Based Financing
  • Below is sample of illustrations for CMTF-i comprising a customized payment schedule under an ideal situation and an illustration on the application of Ibra’ and settlement amount formula.

    Ibra’ (rebate) for Sale-Based Financing

 

OUR OFFERINGS

MySMEBina

MySMEBina

MySMEBina is a financing programme for construction and infrastructure projects awarded by Federal Government, State Government, Government Link Companies (GLCs) and its subsidiaries.
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MySMEBekal

MySMEBekal

MySMEBekal is a complete short term financing programme to supply or maintain the contract awarded by Federal Government, State Government, Government Agencies, Government Link Companies (GLC) and its subsidiaries.
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Supplementary Renewed Facility <br />(i-SURF)

Supplementary Renewed Facility
(i-SURF)

i-SURF is an automatic additional financing of working capital for SME Bank’s existing customers who have collateral of property and / or Sijil Pelaburan Am Mudharabah/ Fixed Deposit charged/ pledged to the bank and have shown good repayment records.
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SME Digitalisation Initiative

SME Digitalisation Initiative

Grant initiative provided for SMEs to adopt Digitalisation in business operations.
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Contact Us:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700