SME e‑Solutions is the all‑in‑one solution to
build your business around your passion.

Make it with


The best businesses often starts off with a passion. But with so much to do, we tend to lose sight of why we started in the first place.

Take it back.

This is why RHB designed the SME e‑Solutions to help people automate the tedious part of business finance, so that we can spend more time doing what we are passionate about. Building our business.

RHB is the first to exclusively integrate RHB Reflex
and Financio for 360° banking & accounting solutions

Only applicable to RHB Reflex Premium Plus


Fetch Real Time

Bank balance in
accounting software



reconciliation via Two-
Way Bank Feeds


Initiate payments

via accounting software


View accounting

dashboard in RHB Reflex

Every business has a story to tell.

Here are how some of our friends rekindled their passion and let it lead the way to success.

How does
RHB SME e‑Solutions


Business Current Account

Open your business account in just one day.

Initial deposit for sole proprietorships is only RM1,000 and only RM3,000 for businesses and companies

A simplified online financial portal RHB Reflex that combines cash management, trade and payment solutions.

Find out more about RHB Reflex

Merchant Card Terminal / MPOS

Capture and authorise cashless payments conveniently with a wireless terminal.

Light weight, and mobile

Efficient payment transactions anywhere at anytime

Chip & Pin Ready

Bluetooth, WIFI and USB connections

Flexible integration to any Android or IOS

RHB Business Cards

Streamline your business expenses and enjoy a host of cash back, golf and other privileges.

RHB Corporate Card

Unlimited 1% Cash Back on your overseas business retail purchase

Up to 50 days of charge-free period

RHB Purchasing Card

Manage company expenditures with customised purchasing and budgetary controls

Up to 50 days of charge-free period

RHB Business Card

Unlimited 1% cash back on overseas spend*

Unlimited 0.5% cash back on local spend*

Apply Now

Customised Business Insurance

Get financially protected from losses with customised insurance policies.


Insured the loss of the contents up to the sum insured on the premises due to theft.

Public liability

Insured up to the limit of indemnity for causing third-party injury, death or property damage due to negligence.


Insured specified in the Schedule for loss of Money by any cause whatsoever occurring:

  1. while in transit during Business Hours;
  2. while in Insured Business Premises

Employer liability

Insured employees sustains bodily injury by accident or disease arising out of and in the course of their employment.

Personal accident

Insured up to the limit stated in the schedule in the event that the Insured suffers any Permanent Disablement or Death arising out of an accident caused.

Fidelity guarantee

Insured all such direct pecuniary loss not exceeding the Amount of Guarantee in the event the Insured shall sustain by any acts of fraud or dishonesty committed by any of the employees.

Plate glass

Insured up to the sum insured for loss of plate glass due to insured perils.

Fidelity guarantee

Insured for the Inconvenience Allowance under Fire and / or Business Machine and Equipment by any of perils resulting in the temporary closure or cessation of the business operation.

Electronic Point of Sale (ePOS)

Get a complete overview of your inventory and performance of your entire business.

Mass Retail & F&B iPad POS

Multi-Store Management

Manage all your branches with one master account so you can transfer your inventory seamlessly, assess performance by branch and get a complete overview of your entire business.

Customer Loyalty & Promotions

Reward your most loyal customers and create your own promotions to boost store sales.

Fully Integrated

Easy integration with MPOS Terminal for cards payment and select accounting software that allows for easy sales data reconciliation.

Cloud-based POS

Access real-time live sales report & stock level updates through your desktop or mobile device.

Special Promotions

Special discount package for all RHB Business Current Account customers.

Retail Customised POS

Cloud based Retail POS

Real-time information and live sales through your laptop or mobile device.


POS feature that can be customised to suit the customer or user requirement.


Plenty of modules include Stock Management, User Control, Membership CRM program, Promotion tools, Barcode Printing and Multilevel Report System.


Link with MPOS Terminal for cards payment and Accounting Software for easy sales data reconciliation.

Special Promotions

Special discount package for all RHB Business Current Account customers.

Accounting Software

RHB is the first to exclusively integrate RHB Reflex
and Financio for 360° banking & accounting solutions

Only applicable to RHB Reflex Premium Plus

How Financio benefits you

With Financio, you can store and access your invoices and bills in one centralised location. On top of that, it offers you a host of other functions that you’d find helpful.


Create professional looking invoices and have them delivered to your customers electronically via email in just a few clicks.

Charts & Reports

Live dashboard at your fingertips whenever you need it. Keep updated on how your business is doing.

Collaborate & Financio Connect

Send and receive messages as well as share files related to the transaction with your customers or suppliers, regardless if they are using Financio or not.

Accounting Automation

Just issue invoices, record payments and expenses, Financio will assist by generating accounting entries and tax records for you.

Multilingual Interface

Financio comes in three languages! To make your accounting even easier, you can choose to use Financio in Chinese, Bahasa Melayu or English.


Special discount package for all RHB Business Current Account customers.

Human Resource & Payroll Solution

Manage your employees from one integrated system including their leave, claims, payroll and statutory payments.

Online form submission and statutory payments for PCB, SOCSO, EIS, EPF and Zakat.

Submit and Approve Leave & Claims, Anywhere & Anytime on your Mobile Device.

Automated and integrated solution for leave, claims, HR docs and payroll.

Integrated payments with RHB Reflex solution for employee Salary bank in and statutory payments.

Hear from our entrepreneurs themselves.

Watch the video.

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