Digital Banking Built for Businesses of Every Size

SUBUK Business is now MCB Islamic Bank’s revamped digital corporate banking platform designed to help businesses manage finances securely, efficiently, and entirely online.
From small to large businesses/corporates and multinational organizations, SUBUK Business delivers the control, flexibility, and reliability modern businesses expect.

A Smarter Way to Manage Business Banking

SUBUK Business enables you to perform day-to-day banking, payments, trade transactions, and cash management through a single, secure digital platform accessible anytime, anywhere!

Whether you’re managing routine single payments or bulk payments, SUBUK Business simplifies operations so you can focus on growing your business.

What You Can Do with SUBUK Business
Account Access & Visibility
  • View real-time balances for current and savings accounts
  • Access detailed transaction history
  • Download statements in PDF, Excel and MT940

Benefit: Instant financial visibility for audits, reconciliation, and reporting.

Payments & Fund Transfers
Single Transactions
  • Own account transfers
  • Transfers within MCB Islamic Bank
  • Interbank Fund Transfers (IBFT)
  • RTGS for high-value same-day payments
  • Banker’s Cheques and Call Deposit Receipts
    • Bulk Transactions
      • Upload files for salary, vendor, and supplier payments
      • Bulk interbank and within MCB Islamic Bank transfers
      • Interbank Fund Transfers (IBFT)
      • Bulk bill payments
        • Benefit:Faster processing, fewer manual errors, and reduced operational effort.

          Cash Management & Collections
          • Upload collection and payment upon identification files
          • Standing Instructions for Debit Authority (SIDA) collections
          • Bulk cheque printing (non-financial)
          • Dealer and distributor collection management

          Benefit:Improved cash flow, automated collections, and better liquidity control.

          Trade Services
          • Letter of Credit (LC) initiation
          • Bank Guarantee requests
          • Bills and collections initiation

          Benefit: Manage trade finance without branch visits

          Non-Financial Services
          • Cheque book requests
          • Stop cheque instructions
          • Cheque status inquiry by number, range, or status
          • Download official certificates:
            1. Account Maintenance Certificate
            2. Balance Confirmation Certificate
            3. Withholding Tax Certificate

          Benefit: Save time by handling administrative requests digitally.

          Built-In Security & Control

          SUBUK Business is designed with enterprise-grade security and governance:

          • Multi-level user roles and approval hierarchies
          • Transaction limits based on authorization matrix
          • Two-factor authentication (OTP)
          • Full audit trails and activity logs
          • Industry-standard encryption and security protocols

          Benefit: Strong control, compliance, and peace of mind for every transaction.

          Access Anytime, Anywhere!
          • Fully responsive web platform
          • Dedicated mobile app for on-the-go access
          • Real-time notifications and e-receipts

          Benefit: Business banking that moves with you.

          Designed for Every Business

          SUBUK Business supports:

          • Sole proprietors and startups
          • Small and medium enterprises (SMEs)
          • Large corporates and conglomerates
          • The platform scales with your needs whether you’re making a single transfer or managing complex, high-volume operations.

            Why Businesses Choose SUBUK Business
            • Digital-first, paperless banking
            • Real-time access to accounts and transactions
            • Faster payments and approvals
            • Automated, auditable workflows
            • Secure, flexible, and scalable platform
            Get Started with SUBUK Business

            To subscribe to SUBUK Business, contact your Relationship Manager or visit your nearest MCB Islamic Branch.

            Experience simpler, smarter corporate banking built for today’s businesses.