Opening a bank account used to mean waiting in long lines and filling out a stack of paperwork. Now with existence of digital technology, more Malaysians are choosing to open their bank accounts online because of its convenience.

Why Malaysians Are Opening Bank Accounts Online

Driven by changing lifestyles and improved digital services, here’s why Malaysians are banking online:

• Time-saving: No need to visit a branch; complete the process anytime, anywhere.
• Paperless process: Most banks require only digital copies of your documents.
• Faster access: Many platforms approve new accounts within minutes.
• COVID-19 impact: Health concerns accelerated the move to digital solutions.

Opening a new bank account can sometimes feel overwhelming, but with Be U by Bank Islam, it's designed to be convenient and entirely digital. This guide will walk you through the process, ensuring you can set up your Shariah-compliant digital banking experience

What is Be U by Bank Islam?

Be U by Bank Islam is a fully digital banking platform designed for modern, tech-savvy users seeking a Shariah-compliant financial experience. It offers a range of features, including savings, spending, and financial management tools, all accessible through your phone. It operates under the principles of Islamic finance, ensuring all transactions and services are Shariah-compliant.

As a digital bank, Be U is here to make your banking experience convenient, while offering plenty of benefits — find out more about them here

Before You Begin: What You'll Need

To ensure a smooth Be U account opening process, have the following ready:

• Your Malaysian Identity Card (MyKad): This is essential for verification.
• A Valid Mobile Number: For OTP (One-Time Password) verification and communication.
• A Stable Internet Connection: To download the app and complete the registration without interruptions.
• Sufficient Lighting: For the facial verification step.

Step-by-Step: Opening Your Be U Account

Follow these steps to get your Be U account up and running:

Step 1: Download the Be U App

• Action: Search for "Be U by Bank Islam" in your device's app store.

1. For Android users: Google Play Store
2. For iOS users: Apple App Store

• Confirmation: Once found, tap "Install" or "Get" to download the application to your phone.

Step 2: Start the Registration Process

• Action: Open the Be U app on your phone.
• Confirmation: Look for the "Register" option and tap it to begin.

Step 3: Enter Your Email Address

• Action: Input your valid and preferred email address.
• Verification: The app will send a verification 6-digit verification code to this email. Follow the instructions stated in the email to confirm your email address.

Step 4: Enter Your Mobile Number

• Action: You will be prompted to enter your Malaysian mobile number.
• Verification: An OTP (One-Time Password) will be sent to this number. Enter the OTP into the app to verify your mobile number.

Step 5: Set Up Your Security Details

• Action: Create a 6-digit passcode for your Be U account.
• Tip: Remember this passcode—you may need it every time you log in.

Step 6: Scan Your MyKad (after you choose Bank product)

• Action: The app will guide you to use your phone's camera to scan both the front and back of your MyKad.
• Tip: Ensure good lighting and hold your MyKad steady within the designated frame to capture all details clearly.

Step 7: Perform Facial Verification

• Action: This crucial step involves a "selfie" to confirm your identity against your MyKad.
• Tip: Find a place with good lighting, position the outline to fit your face, and it is advisable to dress appropriately.

Step 8: Review and Confirm Your Details

• Action: The app will display the information extracted from your MyKad.
• Confirmation: Carefully review all details for accuracy before confirming.

Step 9: Status of Identity Verification

• Confirmation: Once the verification status is ready, you will receive a confirmation message. If your verification is successful, you may now start exploring amazing products and features inside Be U!

How to Log In to the Be U App (After Logging Out)

Logging back into your Be U account is designed to be much faster than the initial setup, leveraging your personal security credentials. You have two main options:

Option A: Quick Biometric Access

If you enabled this feature during your initial setup (Step 5), it’s the quickest way to log in:

Open the Be U and the app will automatically prompt Face ID to scan your face. You will be logged into your account instantly.

Option B: Using Your Passcode

If your phone doesn't support biometrics, or if you prefer manual login:

Open the Be U app and input the 6-digit passcode you created during the registration process (Step 5).

Frequently Asked Questions (FAQ) About Be U Account Opening

Q: Can I access Be U when travelling overseas?

A: Yes, as long as you have access to stable internet connection.

Q: What should I do if I forgot my passcode?

A: Please follow the steps below to reset your passcode:

1) Tap 'Forgot Passcode' on the login screen.

2) Confirm the request to reset passcode in the dialog box.

3) Enter the unique OTP sent to your phone number.

4) Enter the unique OTP sent to your verified email.

5) Enter and confirm your new passcode.

Q: Do I need to visit a Bank Islam branch to open the account?

A: No, the entire Be U account opening process is fully digital and can be completed through the mobile app without visiting a physical branch.

Q: Is Be U by Bank Islam safe and my data will not be compromised?

A: Be U is equipped with adequate security functions such as:

• Access is protected by strict sign-on procedures.
• Single-user session (only one session is allowed for each user at a time).
• Multifactor authentication (e.g. passcode, SMS OTP) for whenever a transaction takes place.
• Confidential account information is not stored on the device.
• Transmission of sensitive data to a public network is encrypted by secure protocols SSL, TLS and HTTPS.
• Read tips to keep your Be U account safe here: Together Protect Your Be U Account

Hopefully this information can help you to start your digital banking journey with Be U and managing your finances the Shariah-compliant way!