Knowing your current as well as future cash flow status is fundamental to all businesses, especially with a growing company like yours. That’s why, having direct access to your current financial health can help you obtain clearer insights on planning the future cash requirements of your business.

Catered for micro to small-scale business owners, Financio helps you manage your accounting tasks easily even if you’re not an accountant, so you can save time when it comes to having invoices and maintaining important documents.

With a holistic view on your business financial through the integration between RHB Reflex and Financio, it’s easier for you to keep track of the ins and outs of your business, all the time.


Start building better financial planning with a financial partner
that keeps your cash flow in check.

For Business Owners

You don’t have to be an accountant to use Financio. It is designed for business owners and non-accountants. The interface and steps are all designed with you in mind.

Accounting Automation

Just do what you love doing and concentrate on growing your business, leave the rest to us. Financio generates accounting entries and records automatically for you when you record your transactions in Financio.

For Micro & Small Businesses

Financio is designed just for micro and small businesses. We tweak our interface and features based on feedbacks we gathered from local micro and small business owners.

Reduced Paper Work

Connect your RHB Business Current Account with Financio and you’re all set to receive bank feeds any time you wish.

Speed Matters

Financio generally loads within 3 seconds. Invoice can be issued in 1 minute or less. Less time wasted on tedious steps and waiting. Soft copy of your invoice get sent to your customer in 0.05 second and get paid by your customer faster.

Beautiful User Interface

We believe enterprise software doesn’t have to look ugly or outdated. Financio sports one of the best and cleanest interface for accounting solutions you can find in the market.

Stay Connected

Financio sports the unique architecture borrowed from social network, allowing you to connect directly with other businesses on Financio. Making it a breeze to send transaction, documents, messages and updates back and forth between both parties, pushing productivity to a new height.

Everything Under 1 Roof

We know how frustrating it is to retrieve a small piece of information from dozen of emails or trying to recall some promises you made on a phone calls 3 months ago. With Financio, you can bring your transactions, documents and conversations online and stored digitally all under one roof.

Accounting software that
makes running your business


with RHB Reflex Premium
Plus Package which costs

Apply now

Empower your business with total integration and
we’ll take care of all your business management needs.

POS Solutions

Enjoy a complete and seamless view of all your business outlets wherever you are with our up-to-date Point of Sale (POS) software.


StoreHub is an operating system for omnichannel retail and F&B businesses that will change the way you do business.

Find out more


ARMS is your one-stop backend for retail and F&B businesses that helps you run and grow your business efficiently from end-to-end.

Find out more

HR Solutions

Free yourself from managing repetitive, mind-numbing tasks with our HR Solutions.


Experience the friendliest, automated HR software on the cloud. With a self-serve system, managing your payroll and leave has never been easier.

Find out more


We simplify HR by providing you with a HR & Payroll system that integrates your employees, issue payrolls, database and platforms all in one place with RHB Reflex.

Find out more

Education Solution

Ease your daily administrative tasks and focus on what you do best with our education solutions.


iKEY is a central organisational hub that makes education more accessible by allowing all administration, learning, teaching and assessment to happen in one place.

Find out more

Supporting business owners like you with
all the complete
solutions you need.

There’s more to enjoy with RHB Reflex Premium Plus. As your banking ally, we’re here to help you empower all your business needs with our versatile suite of products and services.

RHB Merchant Terminal

We fast forward your business by making it easier for you to accept payments, so you can carry out business transactions easily, wherever you are.

Know more

RHB Corporate Card

Here’s a streamlined and safe way to pay for your business expenses where you also get to enjoy business purchases that are more efficient and rewarding.

Know more

RHB Insurance

Run your business with total peace of mind and enjoy a wide variety of insurance for untoward incidents or mishandling that could take place in the course of work.

Know more

Apply now

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Product Disclosure Sheet

Only Deposit products are protected by PIDM up to RM250,000 for each depositor. Click here for PIDM’s DIS brochure.