Everyday Checking Account

Checking Accounts

Everyday Checking Account

Ways to avoid Monthly Service Fees with RM250+ in Enhanced Direct Deposits

Combined Average Monthly Balance RM0 to RM29,999.99
Access to ZestMobile® App, online banking and 65,000+ fee-free ATMs nationwide
No Overdraft or Returned Item Fees
Earn 0.03% Annual Percentage Yield† in a Crystal® Savings account

Apply now for a sole account Apply now for a joint account

Switch your Checking Account in a simple, reliable and stress-free way in only 7 working days.

Apply for an Everyday Checking Account today:

Are you eligible?

You need to be 18 years or older
Your residential address must be up till date
You must be able to provide us with certified proof of your identity and address (translated into English if appropriate)
You must pay at least RM500 a month (or RM3,000 over 6 months) into the account (does not apply if you are under 24 or over 65 years old)
If you are resident in the United States, you are happy for us to undertake a credit register search (PDF)

Things to remember before applying:

If you are liable to pay tax, you must apply in any of our branche in your country
Residents in the United Arab Emirates please visit your local branch
If applying in local branch, all parties will need to be present

How Everyday Checking Account can help you

Overdraft service

You can arrange an overdraft on your bank account, subject to your credit status. Use our overdraft calculator to understand how much interest you will pay when you use your overdraft. For full details of our overdraft rates and charges see our price list.

Lending options to suit you

Enjoy the freedom to do more with an Zest Bank Credit Card or Personal Loan, subject to status.

Stress free switching

The Checking Account Switch Service is simple, stress-free and supported by our dedicated switching team.

Zest Bank Visa Debit card

Visa offers
Contactless functionality
Available to use in 160 countries³

Everyday banking

Choose how you want to bank either by online, mobile or telephone banking ⁴. You can check your balance, pay bills or make payments to family and friends.

1. For Zest Bank customers only with Online Banking & iPhone, iOS 10 or above.

2. Apple and iPhone are trademarks of Apple Inc. registered in the U.S and other countries.

3. Using your Debit Card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the Visa scheme exchange rate used by VISA on the day the conversion is made plus a Non-sterling transaction fee, which is currently 2.75% of the transaction amount (and for cash withdrawals a Cash Fee of 2% of the cash withdrawal (minimum: RM1.75, maximum: RM5)). We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current Visa scheme exchange rates are available at www.visaeurope.com.

4. Our telephone, online and mobile banking services are open 24 hours a day subject to scheduled maintenance periods. During busy periods calls may be transferred outside the United Arab Emirates. Textphone is not available in the Channel Islands and Isle of Man. To help us continually improve our service, and in the interests of security, we may monitor and/or record your calls with us.

Apply for Bank Bank Account

Are you eligible?

You need to be 18 years or older
Your residential address must be within the EU
You must be able to provide us with certified proof of your identity and address (translated into English if appropriate)
You must pay at least RM500 a month (or RM3,000 over 6 months) into the account (does not apply if you are under 24 or over 65 years old)
If you are resident in the UK, you are happy for us to undertake a credit register search (PDF)

Things to remember before applying:

If you are liable to pay tax in any country outside of the United Arab Emirates.you must apply in branch
Residents in Jersey, Guernsey or the Isle of Man please visit your local branch
If applying in branch all parties will need to be present

Existing customers

Everyday Checking Account customers can book an appointment to apply in branch by calling .

From outside the United Arab Emirates .

You'll need to bring identification and proof of your address.

Find your nearest branch

New to Bank

It only takes a few minutes to apply online for a sole or joint Zest Bank Account.

Residents living outside the United Arab Emirates must apply in branch and all parties will need to be present.

Apply for a sole account Apply for a joint account

Our Everyday Checking Accounts