AEON Bank Personal Financing-i

AEON Bank was established to provide digital banking solutions in Malaysia. Led by AEON Financial Service Co., Ltd. and AEON Credit Service (M) Berhad, the consortium is among the five (5) entities awarded a digital banking licence in Malaysia and one of the two Islamic digital banks approved to operate in the country.

• What is the difference between AEON Credit Service (M) Berhad and AEON Bank?

  AEON Bank (M) Berhad is one of the five digital banking license holders approved by the Ministry of Finance Malaysia and Bank Negara Malaysia. Operating as an Islamic digital bank since 15 January 2024, AEON Bank provides a range of Shariah-compliant digital banking solutions designed to meet the evolving financial needs of Malaysians.

  Formerly known as ACS Digital Berhad, AEON Bank (M) Berhad is a subsidiary of AEON Financial Service Co., Ltd. (AFS Japan) and an associate company of AEON Credit Service (M) Berhad. AFS Japan is the financial services arm of the AEON Group, with operations across Japan and 10 countries in Asia. The AEON Group is one of Japan's largest retail groups and has established a strong presence in Malaysia for more than four decades.

  Officially launched on 26 May 2024, AEON Bank offers a comprehensive suite of Shariah-compliant digital banking products and services, including Savings Account-i, Savings Pots, budgeting tools, Debit Card-i, and the AEON Points Loyalty Programme. The bank continues to expand its digital financial solutions to better serve customers across Malaysia.

  As Malaysia's first Islamic digital bank, AEON Bank aims to improve access to financial services through a fully digital banking experience, with a focus on greater accessibility and financial inclusion for underserved communities.

  In addition to AEON Bank, AEON Credit Service (M) Berhad is one of Malaysia's leading non-bank financial institutions. Established in 1996 and listed on Bursa Malaysia in 2007, AEON Credit offers a wide range of financial products and services, including credit cards, personal financing, hire purchase financing, Easy Payment schemes, the AEON Wallet app, and insurance products. The company operates five regional offices, 63 branches and service centres, and a nationwide network of more than 8,100 merchant partners.

  AEON Bank's products are available for comparison on the iMoney platform, enabling consumers to explore its digital banking solutions alongside other financial products and make more informed financial decisions.

• What is the range of financing amounts and tenures for Personal Financing-i?

  Financing amounts start at a minimum of RM1,000, with a maximum of RM100,000, or up to your credit limit, whichever is lower. The approved amount is subject to AEON Bank's credit evaluation.

  The available financing tenure options include periods between 3 to 84 months.

• Will there be any fees deducted from the approved financing amount?

  Yes, a Wakalah fee of RM1 will be deducted from the approved financing amount at the time of disbursement. The remaining balance will then be credited to your AEON Bank Savings Account-i.

  For example, if your approved Personal Financing-i amount is RM5,000, after deducting the RM1 Wakalah fee, RM4,999 will be disbursed into your AEON Bank Savings Account-i.

• How do I accept the Personal Financing-i offer once it is approved?

  After your application is approved, you’ll receive a push notification through your AEON Bank app. Please respond by tapping “Accept” on your app within 7 calendar days. To ensure you receive the notification, make sure push notifications are enabled on your mobile device.

• Is AEON Bank Shariah-compliant?

  Yes, AEON Bank operates under a licence issued under the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia (BNM). All products and services offered, as well as its operations and business activities, comply with Shariah principles.

• Where is the physical branch of AEON Bank located?

  AEON Bank is a fully digital bank and does not operate any physical branches. All banking services are accessible through the AEON Bank mobile app.

  If you would like to learn more about AEON Bank products featured on the iMoney platform, please contact the iMoney team for assistance.

  For enquiries related to an existing AEON Bank account, transactions, or after-sales support, please contact AEON Bank Customer Support via:

  • Phone: +603-4816 8888
  • Live Chat: Available through the AEON Bank mobile app or website
  • Email: customer.support@aeonbank.com.my

• What are the products and services AEON Bank offers?

  AEON Bank currently offers a range of Shariah-compliant digital banking products and services, including Savings Account-i with Savings Pot features, Debit Card-i, and the AEON Points Programme.

  The AEON Points Programme is a loyalty programme that allows members to earn and redeem reward points across participating AEON Group businesses. The programme is managed by AEON Credit Service (M) Berhad and is integrated across AEON Bank and AEON Wallet.

Last updated: Aug 21, 2026