How to Differentiate Between Islamic and Conventional Bank Account

Do you know how to differentiate whether your account falls under Islamic account or Conventional account?

One of the differences between them is Conventional Account’s interest is charged even when organization suffers any losses meanwhile Islamic bank operates on the basis of profit and loss sharing. In case, the businessman has suffered losses, the bank will share the losses.

This information is important to you as an account holder. Let us help you with that.

What is Bank Swift Code?

A swift code is an international bank code that identifies particular bank worldwide. It is known as a Bank Identifier Code (BIC). These codes are used when transferring money between banks and also for exchanging other messages between them.

  1. Maybank


There is NO difference between Maybank and Maybank Islamic. As long as the account number matched, then it can be process by the bank. Maybank will provide the swift code in MBBEMYKL (8 digit).

  1. CIMB bank


Previously, CIMB account number is made up of 14 digit. Starting from 3 February 2014, they have a new account number which is only 10 digit. CIMB Conventional Account swift code which is CIBBMYKL meanwhile Islamic Account is CTBBMYKL.

New Account Number (10 digit)

Conventional Account: starts with 80XXXXXXXX & 70XXXXXXXX

Islamic Account: starts with 86XXXXXXXX & 76XXXXXXXX

Old Account Number (14 digit)

Conventional: 0401XXXXXXX056 (last 3 digit is 0) & 0401XXXXXXX527 (last 3 digit is 5)

Islamic Account: 0509XXXXXXX100 (last 3 digit is 1) & 0804XXXXXXX200 (last 3 digit is 2)

  1. Hong Leong Bank


You may differentiate by the 2 digit in the middle of the account numbers. Hong Leong Bank swift code is HLBBMYKL meanwhile Islamic Account is HLIBMYKL.

Conventional Account: ended as 0. Example: xxx-x0-xxxxxx

Islamic Account: ended as 1. Example: xxx-x1-xxxxxx

  1. OCBC Bank


It’s very easy to differentiate between OCBC and OCBC AL-AMIN Bank. OCBC Bank conventional account swift code is OCBCMYKL meanwhile Islamic account is OABBMYKL.

Conventional Account: start with 7. Example: 7XXXXXXXXX

Islamic Account: start with 1. Example: 1XXXXXXXXX

  1. RHB Bank


There have one way to differentiate between RHB and RHB Islamic Bank and it’s very easy. RHB Bank conventional account swift code is RHBBMYKL meanwhile Islamic account is RHBAMYKL.

Islamic Account: start with 1-6xxx & 1-0xxx.

Other than account number that start with 1-6xxx & 1-0xxx, it will be Conventional Account.

  1. Alliance Bank


Alliance Bank swift code is MFBBMYKL meanwhile Alliance Islamic Bank swift code is ALSRMYK1.

Conventional Account: start with 1/0.

Islamic Account: start with 5/6.

  1. HSBC Bank


HSBC Bank swift code is HBMBMYKL meanwhile HSBC Amanah bank swift code is HMABMYKL.

Islamic Account: start with 0. Example: 0XXXXXXXXXXX

Other than account number that start with 0, it will be Conventional Account.

  1. Public Bank


Public Bank swift code is PBBEMYKL while Public Islamic Bank swift code is PIBEMYK1.

Islamic Account: The second digit of the account number is 7,8 and 9. Example: x7xxxxxxxx.

As for Conventional Account, the second digit is not made up of 7, 8, 9.

**Above Article is Written by Softinn Solution**

Softinn Solutions Sdn. Bhd. is an emerging travel technology company that develops a cloud-based hotel reservation system for small and medium-sized hotels. Learn how we help hundreds of hotels better manage their business and increase sales.


Softinn Solution is Headquartered in Melaka, Malaysia.


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