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If your business needs to hold, receive, or transact in foreign currencies, you would need to open a separate Maybank Foreign Currency Current Account alongside it, which requires its own minimum deposit and comes with additional fees.",[],{"_key":1521,"_type":170,"children":1522,"markDefs":1527,"style":1188},"k172",[1523],{"_key":1524,"_type":174,"marks":1525,"text":1526},"k171",[1185],"Maybank FlexiBiz account key features in 2026",[],{"_key":1529,"_type":170,"children":1530,"markDefs":1535,"style":1205},"k176",[1531],{"_key":1532,"_type":174,"marks":1533,"text":1534},"k175",[1185],"No monthly fee with interest on balances",[],{"_key":1537,"_type":170,"children":1538,"markDefs":1543,"style":190},"k180",[1539],{"_key":1540,"_type":174,"marks":1541,"text":1542},"k179",[],"Unlike most traditional bank business accounts in Singapore, there is no standing monthly charge, so you only pay when you transact. The account also earns interest on your SGD balance at tiered rates:- First SGD $50,000: 0.018% p.a.- Next SGD $450,000: 0.028% p.a.- Remaining balance above SGD $500,000: 0.038% p.a.",[],{"_key":1545,"_type":170,"children":1546,"markDefs":1551,"style":190},"k184",[1547],{"_key":1548,"_type":174,"marks":1549,"text":1550},"k183",[],"While these rates are modest, they are rare among traditional SGD business current accounts. The initial deposit required to open the account is SGD $1,000. If your average daily balance falls below SGD $1,000, a fall-below fee of SGD $10 per month applies.",[],{"_key":1553,"_type":170,"children":1554,"markDefs":1559,"style":1205},"k188",[1555],{"_key":1556,"_type":174,"marks":1557,"text":1558},"k187",[1185],"Business Internet Banking and Maybank FlexiBiz account login",[],{"_key":1561,"_type":170,"children":1562,"markDefs":1581,"style":190},"k200",[1563,1567,1572,1577],{"_key":1564,"_type":174,"marks":1565,"text":1566},"k196",[],"The Maybank FlexiBiz account comes with free 24\u002F7 access to",{"_key":1568,"_type":174,"marks":1569,"text":1571},"k197",[1570],"k190"," ",{"_key":1573,"_type":174,"marks":1574,"text":1576},"k198",[1575],"k192","Maybank Business Internet Banking services",{"_key":1578,"_type":174,"marks":1579,"text":1580},"k199",[],". Through their digital platform, you can manage fund transfers, GIRO payments, automated salary payments, PayNow transactions, and SGQR collections without visiting a branch. The digital account login also gives you access to real-time balance checking and up to two years of transaction history, all from a desktop browser.",[1582,1584],{"_key":1570,"_type":188,"externalUrl":1583,"linkType":145},"http:\u002F\u002Fmaybank2u.com.sg",{"_key":1575,"_type":188,"externalUrl":1583,"linkType":145},{"_key":1586,"_type":170,"children":1587,"markDefs":1592,"style":1205},"k204",[1588],{"_key":1589,"_type":174,"marks":1590,"text":1591},"k203",[1185],"Complimentary all-in-one business debit card",[],{"_key":1594,"_type":170,"children":1595,"markDefs":1600,"style":190},"k208",[1596],{"_key":1597,"_type":174,"marks":1598,"text":1599},"k207",[],"Every FlexiBiz account comes with a complimentary all-in-one business debit card. The card supports ATM withdrawals and everyday business spending. It is a physical debit card with no virtual card option and no cashback or rewards programme.",[],{"_key":1602,"_type":170,"children":1603,"markDefs":1608,"style":1205},"k212",[1604],{"_key":1605,"_type":174,"marks":1606,"text":1607},"k211",[1185],"PayNow and SGQR support",[],{"_key":1610,"_type":170,"children":1611,"markDefs":1616,"style":190},"k216",[1612],{"_key":1613,"_type":174,"marks":1614,"text":1615},"k215",[],"The FlexiBiz account supports both sending and receiving payments via PayNow, a significant practical advantage for Singapore-based businesses dealing with local vendors, customers, and employees. Businesses can also apply for PayNow on SGQR via Business Internet Banking, with complimentary SGQR labels available for eligible applicants.",[],{"_key":1618,"_type":170,"children":1619,"markDefs":1624,"style":1205},"k220",[1620],{"_key":1621,"_type":174,"marks":1622,"text":1623},"k219",[1185],"Rebate programme for digital transactions",[],{"_key":1626,"_type":170,"children":1627,"markDefs":1632,"style":190},"k224",[1628],{"_key":1629,"_type":174,"marks":1630,"text":1631},"k223",[],"Maybank offers a tiered rebate programme for FlexiBiz account holders who maintain higher average daily balances. The rebates apply to FAST transfers, GIRO payments, automated salary payments, and international transfers:",[],{"_key":1634,"_type":170,"children":1635,"markDefs":1640,"style":190},"k228",[1636],{"_key":1637,"_type":174,"marks":1638,"text":1639},"k227",[],"Tier 1: Average daily balance between SGD $30,000 and SGD $99,999:",[],{"_key":1642,"_type":170,"children":1643,"markDefs":1648,"style":190},"k232",[1644],{"_key":1645,"_type":174,"marks":1646,"text":1647},"k231",[],"- 100% rebate on FAST transfer charges, capped at 30 transactions per month - 100% rebate on GIRO payment charges, capped at 30 transactions per month- 100% rebate on APS+ charges, no cap - 25% rebate on International Telegraphic Transfer charges - 25% rebate on Malaysia RegionLink transfer charges",[],{"_key":1650,"_type":170,"children":1651,"markDefs":1656,"style":190},"k236",[1652],{"_key":1653,"_type":174,"marks":1654,"text":1655},"k235",[],"Tier 2: Average daily balance of SGD $100,000 and above:",[],{"_key":1658,"_type":170,"children":1659,"markDefs":1664,"style":190},"k240",[1660],{"_key":1661,"_type":174,"marks":1662,"text":1663},"k239",[],"- 100% rebate on FAST transfer charges, capped at 120 transactions per month- 100% rebate on GIRO payment charges, capped at 120 transactions per month- 100% rebate on APS+ charges, no cap- 50% rebate on International Telegraphic Transfer charges- 50% rebate on Malaysia RegionLink transfer charges",[],{"_key":1666,"_type":170,"children":1667,"markDefs":1672,"style":190},"k244",[1668],{"_key":1669,"_type":174,"marks":1670,"text":1671},"k243",[],"The rebates are meaningful, but the bar is high. Most early-stage startups may not typically maintain SGD $30,000 as an average daily balance, which means they pay standard per-transaction rates for every local transfer. Automated payroll via APS+ is the one exception: it is fully rebated for all FlexiBiz account holders regardless of balance tier.",[],{"_key":1674,"_type":170,"children":1675,"markDefs":1680,"style":1205},"k248",[1676],{"_key":1677,"_type":174,"marks":1678,"text":1679},"k247",[1185],"Singapore–Malaysia corridor advantage",[],{"_key":1682,"_type":170,"children":1683,"markDefs":1688,"style":190},"k252",[1684],{"_key":1685,"_type":174,"marks":1686,"text":1687},"k251",[],"This is where the Maybank Singapore FlexiBiz account genuinely stands out in the market. Because Maybank operates across both Singapore and Malaysia, transfers between the two countries are substantially cheaper than those offered by other traditional banks:",[],{"_key":1690,"_type":170,"children":1691,"markDefs":1696,"style":190},"k256",[1692],{"_key":1693,"_type":174,"marks":1694,"text":1695},"k255",[],"- Transfers to Maybank Malaysia accounts: free- Transfers to other banks in Malaysia: SGD $2 per transaction",[],{"_key":1698,"_type":170,"children":1699,"markDefs":1704,"style":190},"k260",[1700],{"_key":1701,"_type":174,"marks":1702,"text":1703},"k259",[],"No other traditional bank in Singapore comes close to this pricing on the Singapore–Malaysia corridor. For businesses with regular supplier payments, payroll, or intercompany transfers to Malaysia, this alone can make the FlexiBiz account the right anchor account.",[],{"_key":1706,"_type":170,"children":1707,"markDefs":1712,"style":1205},"k264",[1708],{"_key":1709,"_type":174,"marks":1710,"text":1711},"k263",[1185],"International telegraphic transfers",[],{"_key":1714,"_type":170,"children":1715,"markDefs":1724,"style":190},"k270",[1716,1720],{"_key":1717,"_type":174,"marks":1718,"text":1719},"k268",[],"FlexiBiz account holders can send telegraphic transfers to 200+ countries worldwide via SWIFT. However, the fee structure is among the most expensive for a business banking product in Singapore. The minimum effective cost per transfer online is SGD $40, comprising a flat SGD $20 processing fee plus a minimum commission of SGD $20. For larger transfer amounts, costs rise further; the commission is 0.125% of the transfer amount, capped at SGD $100. Branch transfers are even more expensive, with the flat fee rising to SGD $30. On top of these fees, the FX markup is also high, at approximately 0.91%.",{"_key":1721,"_type":174,"marks":1722,"text":1723},"k269",[1185],"Maybank FlexiBiz account pros and cons",[],{"_key":1726,"_type":170,"children":1727,"markDefs":1732,"style":190},"k274",[1728],{"_key":1729,"_type":174,"marks":1730,"text":1731},"k273",[],"The table below summarises the key strengths and limitations of the Maybank FlexiBiz account to help you assess whether it is the right fit for your business.",[],{"_key":1734,"_type":1292,"columnHeaders":1735,"hasColumnTitles":141,"hasRowTitles":152,"rows":1742},"k275",[1736,1739],{"_key":1737,"_type":1296,"cellIndex":1297,"title":1738},"k276","Pros",{"_key":1740,"_type":1296,"cellIndex":1301,"title":1741},"k277","Cons",[1743,1768,1793,1818,1843,1868,1893,1918],{"_key":1744,"_type":1310,"cells":1745},"k278",[1746,1757],{"_key":1747,"_type":1314,"content":1748},"k279",[1749],{"_key":1750,"_type":170,"children":1751,"markDefs":1756,"style":190},"k336",[1752],{"_key":1753,"_type":174,"marks":1754,"text":1755},"k335",[],"No monthly maintenance fee, keeping ongoing costs low for early-stage businesses",[],{"_key":1758,"_type":1314,"content":1759},"k282",[1760],{"_key":1761,"_type":170,"children":1762,"markDefs":1767,"style":190},"k339",[1763],{"_key":1764,"_type":174,"marks":1765,"text":1766},"k338",[],"FAST transfers charged at SGD $0.50 per transaction unless you maintain SGD $30,000+ ADB to access the rebate programme, costly for high-volume local payers",[],{"_key":1769,"_type":1310,"cells":1770},"k285",[1771,1782],{"_key":1772,"_type":1314,"content":1773},"k286",[1774],{"_key":1775,"_type":170,"children":1776,"markDefs":1781,"style":190},"k342",[1777],{"_key":1778,"_type":174,"marks":1779,"text":1780},"k341",[],"Low fall-below threshold of SGD $1,000, making the account accessible with minimal working capital",[],{"_key":1783,"_type":1314,"content":1784},"k289",[1785],{"_key":1786,"_type":170,"children":1787,"markDefs":1792,"style":190},"k345",[1788],{"_key":1789,"_type":174,"marks":1790,"text":1791},"k344",[],"GIRO payments charged at SGD $0.20 per transaction under the same conditions",[],{"_key":1794,"_type":1310,"cells":1795},"k292",[1796,1807],{"_key":1797,"_type":1314,"content":1798},"k293",[1799],{"_key":1800,"_type":170,"children":1801,"markDefs":1806,"style":190},"k348",[1802],{"_key":1803,"_type":174,"marks":1804,"text":1805},"k347",[],"Interest earned on SGD balances up to 0.038% p.a., rare among business current accounts",[],{"_key":1808,"_type":1314,"content":1809},"k296",[1810],{"_key":1811,"_type":170,"children":1812,"markDefs":1817,"style":190},"k351",[1813],{"_key":1814,"_type":174,"marks":1815,"text":1816},"k350",[],"International TT fees are expensive, with a minimum effective cost of SGD $40 per online transfer rising to SGD $120 for large amounts",[],{"_key":1819,"_type":1310,"cells":1820},"k299",[1821,1832],{"_key":1822,"_type":1314,"content":1823},"k300",[1824],{"_key":1825,"_type":170,"children":1826,"markDefs":1831,"style":190},"k354",[1827],{"_key":1828,"_type":174,"marks":1829,"text":1830},"k353",[],"PayNow support for both sending and receiving payments",[],{"_key":1833,"_type":1314,"content":1834},"k303",[1835],{"_key":1836,"_type":170,"children":1837,"markDefs":1842,"style":190},"k357",[1838],{"_key":1839,"_type":174,"marks":1840,"text":1841},"k356",[],"FX markup of approximately 0.91%, higher than most fintech alternatives",[],{"_key":1844,"_type":1310,"cells":1845},"k306",[1846,1857],{"_key":1847,"_type":1314,"content":1848},"k307",[1849],{"_key":1850,"_type":170,"children":1851,"markDefs":1856,"style":190},"k360",[1852],{"_key":1853,"_type":174,"marks":1854,"text":1855},"k359",[],"APS+ automated salary payments fully rebated regardless of balance tier",[],{"_key":1858,"_type":1314,"content":1859},"k310",[1860],{"_key":1861,"_type":170,"children":1862,"markDefs":1867,"style":190},"k363",[1863],{"_key":1864,"_type":174,"marks":1865,"text":1866},"k362",[],"No multi-currency wallets or virtual cards, with no corporate card programme either",[],{"_key":1869,"_type":1310,"cells":1870},"k313",[1871,1882],{"_key":1872,"_type":1314,"content":1873},"k314",[1874],{"_key":1875,"_type":170,"children":1876,"markDefs":1881,"style":190},"k366",[1877],{"_key":1878,"_type":174,"marks":1879,"text":1880},"k365",[],"Unmatched Singapore–Malaysia corridor pricing, free to Maybank MY and SGD $2 to other MY banks",[],{"_key":1883,"_type":1314,"content":1884},"k317",[1885],{"_key":1886,"_type":170,"children":1887,"markDefs":1892,"style":190},"k369",[1888],{"_key":1889,"_type":174,"marks":1890,"text":1891},"k368",[],"No expense management tools, budget controls, or spend visibility features",[],{"_key":1894,"_type":1310,"cells":1895},"k320",[1896,1907],{"_key":1897,"_type":1314,"content":1898},"k321",[1899],{"_key":1900,"_type":170,"children":1901,"markDefs":1906,"style":190},"k372",[1902],{"_key":1903,"_type":174,"marks":1904,"text":1905},"k371",[],"Full Maybank branch network available for businesses that need in-person support, with online application via MyInfo Business for eligible entities.",[],{"_key":1908,"_type":1314,"content":1909},"k324",[1910],{"_key":1911,"_type":170,"children":1912,"markDefs":1917,"style":190},"k375",[1913],{"_key":1914,"_type":174,"marks":1915,"text":1916},"k374",[],"No bulk payment tools beyond APS+ payroll",[],{"_key":1919,"_type":1310,"cells":1920},"k327",[1921,1932],{"_key":1922,"_type":1314,"content":1923},"k328",[1924],{"_key":1925,"_type":170,"children":1926,"markDefs":1931,"style":190},"k378",[1927],{"_key":1928,"_type":174,"marks":1929,"text":1930},"k377",[],"SDIC deposit insurance up to SGD $75,000 per depositor, a traditional bank safeguard",[],{"_key":1933,"_type":1314,"content":1934},"k331",[1935],{"_key":1936,"_type":170,"children":1937,"markDefs":1942,"style":190},"k381",[1938],{"_key":1939,"_type":174,"marks":1940,"text":1941},"k380",[],"Branch visit required for businesses with more than three directors or foreign directors",[],{"_key":1944,"_type":170,"children":1945,"markDefs":1950,"style":1188},"k386",[1946],{"_key":1947,"_type":174,"marks":1948,"text":1949},"k385",[1185],"Maybank FlexiBiz account fees and charges (2026)",[],{"_key":1952,"_type":170,"children":1953,"markDefs":1958,"style":1205},"k390",[1954],{"_key":1955,"_type":174,"marks":1956,"text":1957},"k389",[1185],"Account fees",[],{"_key":1960,"_type":170,"children":1961,"markDefs":1966,"style":190},"k394",[1962],{"_key":1963,"_type":174,"marks":1964,"text":1965},"k393",[],"The Maybank FlexiBiz account has no opening fee and no monthly maintenance fee. An initial deposit of SGD $1,000 is required to open the account, and the minimum average daily balance is SGD $1,000. If your balance falls below this, a fall-below fee of SGD $10 per month applies. The account carries an early closure fee of SGD $50 if closed within six months of opening.",[],{"_key":1968,"_type":170,"children":1969,"markDefs":1974,"style":1205},"k398",[1970],{"_key":1971,"_type":174,"marks":1972,"text":1973},"k397",[1185],"Local transfer fees",[],{"_key":1976,"_type":170,"children":1977,"markDefs":1982,"style":190},"k402",[1978],{"_key":1979,"_type":174,"marks":1980,"text":1981},"k401",[],"FAST transfers online cost SGD $0.50 per transaction, waived for account holders maintaining an average daily balance of SGD $5,000 or above. Account holders maintaining SGD $30,000 or above unlock the formal rebate programme, providing a 100% rebate on up to 30 FAST transactions per month at Tier 1, and up to 120 per month at Tier 2. GIRO payments cost SGD $0.20 per transaction under the same rebate structure. PayNow and transfers to other Maybank accounts online are free. MEPS same-day transfers online cost SGD $3 per transaction, and transfers to non-Maybank accounts at a branch cost SGD $20. Automated Salary Payment via APS+ is fully rebated for all FlexiBiz account holders regardless of balance tier.",[],{"_key":1984,"_type":170,"children":1985,"markDefs":1990,"style":1205},"k406",[1986],{"_key":1987,"_type":174,"marks":1988,"text":1989},"k405",[1185],"International transfer fees",[],{"_key":1992,"_type":170,"children":1993,"markDefs":1998,"style":190},"k410",[1994],{"_key":1995,"_type":174,"marks":1996,"text":1997},"k409",[],"International telegraphic transfers via SWIFT carry a flat processing fee of SGD $20 online or SGD $30 at a branch, plus a commission of 0.125% of the transfer amount with a minimum of SGD $20 and a maximum of SGD $100. TT amendments or cancellations cost SGD $30 plus applicable processing fees. Additional agent fees may be levied by the intermediary or beneficiary bank. Account holders on the rebate programme receive a 25% discount on TT charges at Tier 1 and a 50% discount at Tier 2.",[],{"_key":2000,"_type":170,"children":2001,"markDefs":2006,"style":1205},"k414",[2002],{"_key":2003,"_type":174,"marks":2004,"text":2005},"k413",[1185],"Malaysia corridor fees",[],{"_key":2008,"_type":170,"children":2009,"markDefs":2014,"style":190},"k418",[2010],{"_key":2011,"_type":174,"marks":2012,"text":2013},"k417",[],"Transfers to Maybank Malaysia accounts are free. Transfers to other banks in Malaysia cost SGD $2 per transaction. Transfers to the Philippines cost SGD $10 plus a commission of 0.125% of the transfer amount, with a minimum of SGD $20 and a maximum of SGD $100.",[],{"_key":2016,"_type":170,"children":2017,"markDefs":2022,"style":1205},"k422",[2018],{"_key":2019,"_type":174,"marks":2020,"text":2021},"k421",[1185],"FX rates",[],{"_key":2024,"_type":170,"children":2025,"markDefs":2030,"style":190},"k426",[2026],{"_key":2027,"_type":174,"marks":2028,"text":2029},"k425",[],"The FX markup on international transfers is not published on Maybank's website and is only visible when you initiate a transfer. Based on market commentary, the markup has been cited at approximately 0.91%, though this should be verified directly with Maybank before transacting.",[],{"_key":2032,"_type":170,"children":2033,"markDefs":2038,"style":1205},"k430",[2034],{"_key":2035,"_type":174,"marks":2036,"text":2037},"k429",[1185],"Other charges",[],{"_key":2040,"_type":170,"children":2041,"markDefs":2046,"style":190},"k434",[2042],{"_key":2043,"_type":174,"marks":2044,"text":2045},"k433",[],"Overdraft excess interest is charged at 3% p.a. plus the Prescribed Interest Charge, or 5% p.a. plus the Prime Lending Rate, whichever is higher, subject to a minimum of SGD $20. Cheque issuance costs SGD $0.75 per cheque.Note: Maybank stopped issuing new SGD chequebooks to corporate customers from 30 December 2025, in line with the MAS phaseout of corporate cheques.",[],{"_key":2048,"_type":170,"children":2049,"markDefs":2054,"style":1188},"k438",[2050],{"_key":2051,"_type":174,"marks":2052,"text":2053},"k437",[1185],"Fee summary",[],{"_key":2056,"_type":1292,"columnHeaders":2057,"hasColumnTitles":141,"hasRowTitles":152,"rows":2064},"k439",[2058,2061],{"_key":2059,"_type":1296,"cellIndex":1297,"title":2060},"k440","Fee",{"_key":2062,"_type":1296,"cellIndex":1301,"title":2063},"k441","Amount",[2065,2090,2114,2139,2164,2189,2214,2239,2264,2288,2313,2338,2363,2387],{"_key":2066,"_type":1310,"cells":2067},"k442",[2068,2079],{"_key":2069,"_type":1314,"content":2070},"k443",[2071],{"_key":2072,"_type":170,"children":2073,"markDefs":2078,"style":190},"k542",[2074],{"_key":2075,"_type":174,"marks":2076,"text":2077},"k541",[],"Account 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NetSuite",[],{"_key":3561,"_type":1310,"cells":3562},"k1059",[3563,3574,3585],{"_key":3564,"_type":1314,"content":3565},"k1060",[3566],{"_key":3567,"_type":170,"children":3568,"markDefs":3573,"style":190},"k1233",[3569],{"_key":3570,"_type":174,"marks":3571,"text":3572},"k1232",[1185],"Singapore–Malaysia transfers",[],{"_key":3575,"_type":1314,"content":3576},"k1063",[3577],{"_key":3578,"_type":170,"children":3579,"markDefs":3584,"style":190},"k1236",[3580],{"_key":3581,"_type":174,"marks":3582,"text":3583},"k1235",[],"Free to Maybank MY; SGD $2 to other MY banks",[],{"_key":3586,"_type":1314,"content":3587},"k1066",[3588],{"_key":3589,"_type":170,"children":3590,"markDefs":3595,"style":190},"k1239",[3591],{"_key":3592,"_type":174,"marks":3593,"text":3594},"k1238",[],"Supported via international payment rails",[],{"_key":3597,"_type":170,"children":3598,"markDefs":3603,"style":190},"k1243",[3599],{"_key":3600,"_type":174,"marks":3601,"text":3602},"k1242",[],"For businesses whose primary needs are domestic SGD transactions and a trusted traditional bank, the FlexiBiz account is a reasonable starting point. But if your business is growing, making regular international payments, issuing cards to employees, managing team expenses, or processing payroll at scale, Aspire gives you more financial infrastructure from a single platform, at a lower cost per transaction.",[],{"_key":3605,"_type":170,"children":3606,"markDefs":3611,"style":1188},"k1247",[3607],{"_key":3608,"_type":174,"marks":3609,"text":3610},"k1246",[1185],"Other alternatives to the Maybank FlexiBiz account",[],{"_key":3613,"_type":170,"children":3614,"markDefs":3619,"style":1205},"k1251",[3615],{"_key":3616,"_type":174,"marks":3617,"text":3618},"k1250",[1185],"DBS Business Multi-Currency Account",[],{"_key":3621,"_type":170,"children":3622,"markDefs":3627,"style":190},"k1255",[3623],{"_key":3624,"_type":174,"marks":3625,"text":3626},"k1254",[],"DBS is Singapore's largest bank and offers 50 free FAST and 50 free GIRO transactions per month via DBS IDEAL, along with multi-currency holding across major currencies. The account requires a minimum initial deposit and comes with a dedicated digital platform for business banking. It is a strong alternative for SGD-primary businesses that want more free local transaction capacity than FlexiBiz offers, along with access to DBS's broader SME product suite.",[],{"_key":3629,"_type":170,"children":3630,"markDefs":3635,"style":1205},"k1259",[3631],{"_key":3632,"_type":174,"marks":3633,"text":3634},"k1258",[1185],"OCBC Business Growth Account",[],{"_key":3637,"_type":170,"children":3638,"markDefs":3643,"style":190},"k1263",[3639],{"_key":3640,"_type":174,"marks":3641,"text":3642},"k1262",[],"OCBC's starter business account offers 80 free FAST and 80 free GIRO transactions per month, the most generous free local transaction allowance of any traditional bank account in Singapore. There is no monthly fee for the first year and the account can be opened fully online for eligible businesses. A solid option for businesses that make frequent local payments and want to avoid per-transaction fees from day one.",[],{"_key":3645,"_type":170,"children":3646,"markDefs":3651,"style":1205},"k1267",[3647],{"_key":3648,"_type":174,"marks":3649,"text":3650},"k1266",[1185],"MariBank Business Account",[],{"_key":3653,"_type":170,"children":3654,"markDefs":3671,"style":190},"k1279",[3655,3659,3663,3668],{"_key":3656,"_type":174,"marks":3657,"text":3658},"k1275",[],"MariBank is a MAS-licensed digital bank that offers a zero-fee SGD business account with free local transfers, 1% interest on balances credited daily, and a fully digital application via Singpass. Like the FlexiBiz account, it is SGD-only and does not include corporate cards or expense management tools. It is particularly well-suited to Shopee sellers. For a full breakdown, read our",{"_key":3660,"_type":174,"marks":3661,"text":1571},"k1276",[3662],"k1269",{"_key":3664,"_type":174,"marks":3665,"text":3667},"k1277",[3666],"k1271","MariBank Singapore review",{"_key":3669,"_type":174,"marks":3670,"text":185},"k1278",[],[3672,3674],{"_key":3662,"_type":188,"externalUrl":3673,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Fmaribank-singapore-review",{"_key":3666,"_type":188,"externalUrl":3673,"linkType":145},{"_key":3676,"_type":170,"children":3677,"markDefs":3682,"style":1188},"k1283",[3678],{"_key":3679,"_type":174,"marks":3680,"text":3681},"k1282",[1185],"Conclusion",[],{"_key":3684,"_type":170,"children":3685,"markDefs":3690,"style":190},"k1287",[3686],{"_key":3687,"_type":174,"marks":3688,"text":3689},"k1286",[],"The Maybank FlexiBiz account does what it says: it is a clean, low-cost SGD current account for Singapore startups that want to bank with an established institution, keep overheads low, and benefit from Maybank's unrivalled Singapore–Malaysia corridor pricing. For businesses that fit that profile, it is a practical and credible choice.",[],{"_key":3692,"_type":170,"children":3693,"markDefs":3698,"style":190},"k1291",[3694],{"_key":3695,"_type":174,"marks":3696,"text":3697},"k1290",[],"Where it falls short is in the details. Per-transaction FAST fees, expensive international transfers, a non-disclosed FX markup, the absence of virtual cards, and no expense management capability make it a poor fit for businesses moving beyond their earliest stage. As your team grows, your suppliers diversify internationally, and your finance operations become more complex, the gaps in the FlexiBiz offering can become harder to work around.",[],{"_key":3700,"_type":170,"children":3701,"markDefs":3756,"style":1188},"k1325",[3702,3706,3710,3715,3719,3723,3727,3732,3736,3740,3744,3749,3753],{"_key":3703,"_type":174,"marks":3704,"text":282},"k1312",[3705],"k1292",{"_key":3707,"_type":174,"marks":3708,"text":3709},"k1313",[]," is a modern finance platform built for the way businesses operate today, bringing together ",{"_key":3711,"_type":174,"marks":3712,"text":3714},"k1314",[3713],"k1295","multi-currency accounts",{"_key":3716,"_type":174,"marks":3717,"text":3718},"k1315",[],", unlimited ",{"_key":3720,"_type":174,"marks":3721,"text":2846},"k1316",[3722],"k1298",{"_key":3724,"_type":174,"marks":3725,"text":3726},"k1317",[]," with cashback, ",{"_key":3728,"_type":174,"marks":3729,"text":3731},"k1318",[3730],"k1301","international payments",{"_key":3733,"_type":174,"marks":3734,"text":3735},"k1319",[],", and a full suite with ",{"_key":3737,"_type":174,"marks":3738,"text":2870},"k1320",[3739],"k1304",{"_key":3741,"_type":174,"marks":3742,"text":3743},"k1321",[]," and ",{"_key":3745,"_type":174,"marks":3746,"text":3748},"k1322",[3747],"k1307","bulk payment tools",{"_key":3750,"_type":174,"marks":3751,"text":3752},"k1323",[],", all in one place.",{"_key":3754,"_type":174,"marks":3755,"text":1006},"k1324",[1185],[3757,3758,3759,3760,3762,3764],{"_key":3705,"_type":188,"externalUrl":2891,"linkType":145},{"_key":3713,"_type":188,"externalUrl":2891,"linkType":145},{"_key":3722,"_type":188,"externalUrl":2894,"linkType":145},{"_key":3730,"_type":188,"externalUrl":3761,"linkType":145},"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Faspireapp.com\u002Fglobal-payments&sa=D&source=docs&ust=1782193659834395&usg=AOvVaw3QKD-tmep3V2gLvODubrjR",{"_key":3739,"_type":188,"externalUrl":3763,"linkType":145},"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Faspireapp.com\u002Fexpense-management&sa=D&source=docs&ust=1782193659832296&usg=AOvVaw3hNmxfj64L-5FAoyy_qMt8",{"_key":3747,"_type":188,"externalUrl":3765,"linkType":145},"https:\u002F\u002Fwww.google.com\u002Furl?q=https:\u002F\u002Faspireapp.com\u002Fbulk-payments&sa=D&source=docs&ust=1782193659832412&usg=AOvVaw3mybqRaQ9ZfusNxq1lvxfz",{"_key":3767,"_type":170,"children":3768,"markDefs":3773,"style":1205},"k1329",[3769],{"_key":3770,"_type":174,"marks":3771,"text":3772},"k1328",[1185],"Is the Maybank FlexiBiz account free?",[],{"_key":3775,"_type":170,"children":3776,"markDefs":3781,"style":190},"k1333",[3777],{"_key":3778,"_type":174,"marks":3779,"text":3780},"k1332",[],"There is no monthly maintenance fee for the Maybank FlexiBiz account. However, the account is not entirely free to operate. An initial deposit of SGD $1,000 is required, and a fall-below fee of SGD $10 per month applies if your average daily balance drops below SGD $1,000. Local FAST transfers cost SGD $0.50 per transaction and GIRO payments cost SGD $0.20 per transaction unless you maintain a qualifying average daily balance for the rebate programme.",[],{"_key":3783,"_type":170,"children":3784,"markDefs":3789,"style":1205},"k1337",[3785],{"_key":3786,"_type":174,"marks":3787,"text":3788},"k1336",[1185],"What is the minimum balance for the Maybank FlexiBiz account?",[],{"_key":3791,"_type":170,"children":3792,"markDefs":3797,"style":190},"k1341",[3793],{"_key":3794,"_type":174,"marks":3795,"text":3796},"k1340",[],"The Maybank FlexiBiz account minimum balance is SGD $1,000 as an average daily balance. If your balance falls below this threshold, Maybank charges a fall-below fee of SGD $10 per month. Note that this is different from the rebate tiers: to unlock 100% rebates on FAST and GIRO transactions, you need to maintain an average daily balance of at least SGD $30,000 (Tier 1) or SGD $100,000 (Tier 2).",[],{"_key":3799,"_type":170,"children":3800,"markDefs":3805,"style":1205},"k1345",[3801],{"_key":3802,"_type":174,"marks":3803,"text":3804},"k1344",[1185],"Can I open a Maybank FlexiBiz account online?",[],{"_key":3807,"_type":170,"children":3808,"markDefs":3813,"style":190},"k1349",[3809],{"_key":3810,"_type":174,"marks":3811,"text":3812},"k1348",[],"Yes, Maybank FlexiBiz account opening online is available via MyInfo Business using your Singpass or CorpPass credentials. However, online applications are only available to Singapore-incorporated businesses that have no more than three directors, all of whom must be Singapore citizens or permanent residents. Businesses outside this criteria, including those with foreign directors or more than three directors, must apply in person at a Maybank branch, with all authorised signatories present.",[],{"_key":3815,"_type":170,"children":3816,"markDefs":3821,"style":1205},"k1353",[3817],{"_key":3818,"_type":174,"marks":3819,"text":3820},"k1352",[1185],"What is the Maybank FlexiBiz account interest rate?",[],{"_key":3823,"_type":170,"children":3824,"markDefs":3829,"style":190},"k1357",[3825],{"_key":3826,"_type":174,"marks":3827,"text":3828},"k1356",[],"The account earns tiered interest: 0.018% p.a. on the first SGD $50,000, 0.028% p.a. on the next SGD $450,000, and 0.038% p.a. on balances above SGD $500,000.",[],{"_key":3831,"_type":170,"children":3832,"markDefs":3837,"style":1205},"k1361",[3833],{"_key":3834,"_type":174,"marks":3835,"text":3836},"k1360",[1185],"Is the Maybank FlexiBiz account suitable for businesses with foreign directors?",[],{"_key":3839,"_type":170,"children":3840,"markDefs":3845,"style":190},"k1365",[3841],{"_key":3842,"_type":174,"marks":3843,"text":3844},"k1364",[],"Not via the online channel. Account opening online is restricted to businesses where all directors, partners, and owners are Singapore citizens or permanent residents, and there are no more than three of them. Businesses with any foreign directors must visit a Maybank branch in person for account opening, with all authorised signatories present. For businesses with foreign founders or mixed shareholding, fintech platforms that offer fully online onboarding regardless of director nationality may be a more practical choice.",[],{"_key":3847,"_type":170,"children":3848,"markDefs":3853,"style":1205},"k1369",[3849],{"_key":3850,"_type":174,"marks":3851,"text":3852},"k1368",[1185],"How long does it take to open a Maybank FlexiBiz account?",[],{"_key":3855,"_type":170,"children":3856,"markDefs":3861,"style":190},"k1373",[3857],{"_key":3858,"_type":174,"marks":3859,"text":3860},"k1372",[],"For online applications that meet the eligibility criteria, Maybank typically processes the application and updates the applicant within two business days. Existing Maybank customers with complete records on file may receive a faster decision. Branch applications depend on appointment availability and document completeness, and may take longer.",[],{"slug":301,"title":302},{"_type":154,"alternativeText":3864,"height":1055,"url":3865,"width":1057},"Maybank FlexiBiz business account review in 2026","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F5ef8b8d67a07ecd10bf1748979fb9280\u002Fshared_cover_shared-cover-business-credit-cards-personal.jpeg",[3867,3874,3882,3889,3895,3902],{"_key":1183,"_type":170,"children":3868,"level":1301,"listItem":2443,"markDefs":3873,"style":190},[3869],{"_key":3870,"_type":174,"marks":3871,"text":3872},"k1",[],"The Maybank FlexiBiz account is a Singapore dollar current account designed for startups and young businesses, offered by Maybank, one of Southeast Asia's top-five banks by total assets",[],{"_key":3875,"_type":170,"children":3876,"level":1301,"listItem":2443,"markDefs":3881,"style":190},"k5",[3877],{"_key":3878,"_type":174,"marks":3879,"text":3880},"k4",[],"The FlexiBiz account carries no monthly maintenance fee but requires an initial deposit of SGD $1,000, with a fall-below fee of SGD $10 per month if your average daily balance drops below SGD $1,000",[],{"_key":3883,"_type":170,"children":3884,"level":1301,"listItem":2443,"markDefs":3888,"style":190},"k8",[3885],{"_key":1190,"_type":174,"marks":3886,"text":3887},[],"Local FAST transfers cost SGD $0.50 per transaction, waived only under specific average daily balance and rebate tier conditions. International telegraphic transfers are charged at a flat SGD $20 online plus a commission of 0.125% of the transfer amount, with a minimum commission of SGD $20 and a maximum of SGD $100",[],{"_key":1198,"_type":170,"children":3890,"level":1301,"listItem":2443,"markDefs":3894,"style":190},[3891],{"_key":1201,"_type":174,"marks":3892,"text":3893},[],"The account earns tiered interest of up to 0.038% p.a. on balances, and offers a particularly strong advantage for businesses that regularly transfer money between Singapore and Malaysia",[],{"_key":1210,"_type":170,"children":3896,"level":1301,"listItem":2443,"markDefs":3901,"style":190},[3897],{"_key":3898,"_type":174,"marks":3899,"text":3900},"k13",[],"It does not support multi-currency wallets, virtual cards, corporate cards, expense management tools, or bulk payment features beyond payroll",[],{"_key":3903,"_type":170,"children":3904,"level":1301,"listItem":2443,"markDefs":3909,"style":190},"k17",[3905],{"_key":3906,"_type":174,"marks":3907,"text":3908},"k16",[],"Maybank FlexiBiz account opening online is available via MyInfo Business (Singpass) for eligible Singapore-incorporated entities with no more than three directors, all of whom must be Singapore citizens or permanent residents",[],[3911,3917],{"_key":1183,"_type":170,"children":3912,"markDefs":3916,"style":190},[3913],{"_key":3870,"_type":174,"marks":3914,"text":3915},[],"One of the most fundamental financial decisions of running a business is choosing where you bank. Maybank, with a total asset base of USD $165 billion and one of the broadest branch networks across Southeast Asia, has long been a credible option for Singapore SMEs. Their Maybank FlexiBiz account is designed squarely for startups and young businesses: no monthly fee, interest on your balances, and a debit card from day one.",[],{"_key":3875,"_type":170,"children":3918,"markDefs":3922,"style":190},[3919],{"_key":3878,"_type":174,"marks":3920,"text":3921},[],"But the fintech landscape is continuously evolving. Today's founders have more options than ever, and the right business account depends on the specific needs of your business: where you transact, how frequently you move money, and how much digital infrastructure you need around payments. This Maybank FlexiBiz account review covers everything you need to make that call, from features and fees to eligibility and how it stacks up against modern alternatives.",[],"2026-07-24T00:00:00.000Z",{"_type":149,"metaDescription":3925,"metaTitle":3926,"socialShareImageUrl":3927},"Maybank FlexiBiz Account review: features, fees, minimum balance, account opening requirements, and how it compares with fintech alternatives in Singapore.","Maybank FlexiBiz Account Review 2026",{"_type":154,"alternativeText":3864,"height":1055,"url":3865,"width":1057},"maybank-flexibiz-business-account-review",[3930,3936,3942,3948],{"_key":1183,"_type":170,"children":3931,"level":1301,"listItem":2580,"markDefs":3935,"style":190},[3932],{"_key":3870,"_type":174,"marks":3933,"text":3934},[],"FlexiBiz Account product page, Maybank - https:\u002F\u002Fwww.maybank2u.com.sg\u002Fen\u002Fbusiness\u002Flocal-enterprise\u002Fsme\u002Fmanage-day-to-day\u002Fdeposits\u002Fflexibiz.page",[],{"_key":3875,"_type":170,"children":3937,"level":1301,"listItem":2580,"markDefs":3941,"style":190},[3938],{"_key":3878,"_type":174,"marks":3939,"text":3940},[],"eServices Fees and Charges page, Maybank - https:\u002F\u002Fwww.maybank2u.com.sg\u002Fen\u002Fbank-charges\u002Fsg-loans-others\u002Feservices.page",[],{"_key":3883,"_type":170,"children":3943,"level":1301,"listItem":2580,"markDefs":3947,"style":190},[3944],{"_key":1190,"_type":174,"marks":3945,"text":3946},[],"Outward Remittance Fees and Charges page, Maybank - https:\u002F\u002Fwww.maybank2u.com.sg\u002Fen\u002Fbank-charges\u002Fsg-loans-others\u002Foutward-remittance.page",[],{"_key":1198,"_type":170,"children":3949,"level":1301,"listItem":2580,"markDefs":3953,"style":190},[3950],{"_key":1201,"_type":174,"marks":3951,"text":3952},[],"Bank Charges in Singapore (2026): A Guide for Businesses, Airwallex - https:\u002F\u002Fwww.airwallex.com\u002Fsg\u002Fblog\u002Fbank-charges-singapore",[],1790926663065]