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Financial Inclusion

Financial Capability and Empowerment

SMEs and general public can obtain information regarding various financial education programmes as well as financial advisory and redress offered by both the Government and private sector via various channels.

Financial Education for Adults

1. MobileLINK

A mobile customer service that provides access to basic banking services to the public in collaboration with financial institutions. MobileLINK also provides:

  • Advisory services on banking, insurance and takaful and SME financing related matters;
  • Information on personal credit through Central Credit Reference Information System (CCRIS);
  • Information on Bank Negara Malaysia through self service web-based terminal made available in the coach; and
  • Advisory services on other financial related matters under the purview of Bank Negara Malaysia.

2Four consumer-centric mobile applications by Bank Negara Malaysia to elevate consumer awareness and skills in money management matters.

  • My Tabung

A tool for consumers to better monitor and manage their income and expenses. [Download IOS, Android]

  • My Ringgit

A  tool for public  to learn about the Malaysian banknotes, including security features and quality standards. [Download IOS, Android]

  • My BNM

A tool for consumers to read the latest financial news and announcements, including fraud alerts issued by Bank Negara Malaysia. [Download IOS, Android]


A tool for consumers to make enquiries, obtain advice and lodge their complaints against financial services providers. [Download IOS, Android]

3. Financial Literacy Programmes

  • Collaborative Programme for 1Azam (Akhiri Zaman Miskin)

A programme leveraging on 1AZAM platform to enhance the knowledge and capacity of low-income households to utilise financial services responsibly. The programme involves 1AZAM participants and is supported by ministries, NGOs, Agensi Kaunseling dan Pengurusan Kredit (AKPK) and financial institutions. For more information on 1Azam programmes, visit Ministry of Women, Family and Community Development’s website.

  • Financial Capability Programmes by AKPK
    • AKPK’s targeted financial capability programmes for adults focus on providing relevant knowledge and skills on money and debt management based on a life-stages approach. For more information, visit AKPK’s website.
    • POWER! Programme - specially designed to equip young individuals with essential financial knowledge, providing them  with the confidence and ability to make responsible financial decisions. For more information, visit POWER! Online Learning Portal.
Financial Education for School Children
  • Bank Negara Malaysia has ongoing collaboration with the Ministry of Education to inculcate basic financial management as an essential life skill from an early age. Financial education elements are being integrated into the  school curriculum.
  • Implementation of financial education in school is being supported by activities in co-curriculum via Program Sekolah Angkat, Kelab Kewangan Pelajar Sekolah as  well as financial  education  materials, tools  and information  such as Buku Wang  Saku, interactive website and financial education workshops for school children.
Financial Advisory and Redress

BNMLINK and BNMTELELINK represent Bank Negara Malaysia's contact point to facilitate prompt and efficient response to members of the public and SMEs on matters related to the financial sector.

SME Corp’s One Referral Centre (ORC) is the focal meeting point for SMEs to get information and seek financial and business advisory.

ABM Connect is an avenue set up by The Association of Banks in Malaysia (ABM) to handle public enquiries and complaints on banking matters. For more information, please contact 1-300-88-9980 or visit ABM’s website at

Agensi Kaunseling Dan Pengurusan Kredit (AKPK) provides financial counselling and debt management programme to individuals as well as financial education to help individuals take control of their financial situation and gain peace of mind that comes from the wise use of credit. For more information:

  • Contact AKPK at 1800 88 2575;
  • Visit AKPK’s website at
  • Download AKPK-Financial Service for Mobile [Android]

The Ombudsman for Financial Services (OFS) provides consumers an objective and timely resolution of disputes and complaints arising from services provided by the financial service providers licensed and approved by BNM. For more information, visit OFS's website at

For more information on avenues for financial information and redress, refer to the Consumer information section.