How To apply For RHB Reflex 

A good cash flow management is vital in setting up your business for long-term growth. For SMEs and business owners in Malaysia, staying on top of finances can be challenging without the right tools. RHB Reflex is designed to help you keep track of your finances, maintain a healthy cash flow, and make informed business decisions with confidence.

Integrating RHB Reflex with Xero takes financial management a step further. You can securely connect your RHB business accounts to Xero in just a few clicks, enabling automated reconciliation, accurate reporting, and real-time tracking of your cash flow. This seamless connection allows you to save time, reduce errors, and focus on growing your business.

What Is RHB Reflex?

RHB Reflex is an award-winning online financial service introduced as the Best Cash Management Bank in Malaysia in 2019. It combines cash management, trade, and payment solutions into a single, easy-to-use platform for SMEs.

With RHB Reflex, you can:

• Get a real-time overview of account balances, cheque status, and trade inquiries.
• Access credit card merchant reports, foreign exchange information, and treasury rates.
• Manage multiple accounts, including current, multi-currency, credit card, and loan accounts.
• Stay business-ready with the RHB Reflex Mobile App, which sends instant reminders on payments, allows transaction authorizations on the go, and tracks cash flow in real time.

The platform also supports DuitNow QR, enabling collection of payments from multiple banks and eWallets, and allows you to manage outlets and cashiers efficiently. Custom roles like Administrator, Data Entry, Reviewer/Authoriser, and Inquirer ensure teamwork is smooth and secure.

Read: How RHB–Xero Integration Empowers Businesses Through Cloud Accounting

Benefit of Xero Integration

Integrating RHB Reflex with Xero allows SMEs to manage their finances more efficiently and securely. With just a few clicks, you can connect your RHB business accounts to Xero, enabling automated reconciliation and accurate reporting. This integration transforms financial management from a time-consuming task into a seamless, streamlined process. Key Benefits include: 

• Secure and Easy Connection: Link multiple RHB business accounts, including current, multi-currency, credit card, and loan accounts directly to Xero for real-time syncing.
• Automated Reconciliation: Automatically reconcile bank transactions and track cash flow on the go using the Xero app, reducing errors and saving valuable time.
• Business Reports: Generate standard or customized financial reports effortlessly, providing insights tailored to support informed decision-making and optimize business operations.
• Invoice Management via WhatsApp: Speed up collections by sending invoices or payment reminders directly to customers through WhatsApp — fast, convenient, and effective.
• 24/7 After-Sales Support: Access unlimited online support for product inquiries, technical issues, and migration assistance, ensuring smooth operations at every stage.
• Compliance & Security: Xero integration complies with Malaysia’s e-invoicing mandate and uses bank-grade security to protect your financial data at all times.

With RHB Reflex Premium Plus starting at RM 50/month and a Xero account from USD 14.50/month, businesses can enjoy a comprehensive, integrated solution that keeps finances under control and supports growth.

This integration is especially beneficial for SMEs that want real-time cash flow management, faster reconciliations, and actionable financial insights, all within one secure online platform.

Learn more here

Why SMEs Should Apply

For small and medium enterprises, having full control over finances is crucial for growth and sustainability. RHB Reflex, when integrated with Xero, offers a comprehensive solution that simplifies cash flow management and enhances business efficiency.

Key Benefits for SMEs:

• Cash Flow Management: Monitor account balances, track payments, and manage invoices in real time, ensuring your business always has a clear financial picture.
• Automated Reconciliation: Sync bank accounts and credit cards directly to Xero, enabling faster and more accurate reconciliation while reducing manual errors.
• Payment Flexibility: Conduct bulk payments, manage multiple bank accounts, and collect eWallet payments using DuitNow QR for faster and smoother transactions.
• Business Reports: Generate both standard and customized reports effortlessly, giving you actionable insights to support strategic decision-making.
• Invoice Management: Speed up collections by sending invoices or payment reminders directly to customers via WhatsApp — reaching them where they are most active.
• Security & Compliance: RHB Reflex and Xero provide bank-grade security and are compliant with Malaysia’s e-invoicing mandate, ensuring your financial data is always protected.

With RHB Reflex Premium Plus and Xero integration, SMEs gain a secure, efficient, and fully connected financial management system that supports growth, streamlines operations, and improves cash flow visibility.

RHB Reflex Packages

RHB Reflex offers flexible subscription tiers designed to meet the needs of SMEs, from basic account management to full-featured automation with Xero integration. Choosing the right package ensures you have the tools to manage your cash flow, payments, and business finances efficiently.

Key Benefits by Package:

• Basic: Ideal for monitoring account balances and managing cheques without subscription costs.
• Premium: Adds fund transfer capabilities and flexible payment options, making day-to-day transactions easier.
• Premium Plus: Offers advanced automation, full integration with Xero, and complimentary accounting tools (Financio & Talenox), perfect for SMEs aiming to streamline operations and reporting.

By selecting the Premium Plus package, businesses can enjoy real-time syncing with Xero, automated reconciliation, comprehensive reporting, and enhanced workflow management within one secure platform.

Read: How To Connect RHB To Xero

Step-by-Step Guide to Apply for RHB Reflex

Applying for RHB Reflex is straightforward, and with Xero integration, you can manage your SME finances efficiently from the start. Follow these steps to get set up quickly:

Step 1: Prepare Documents

Gather all required forms before starting your application:

• RHB Current Account Form
• RHB Reflex Application Form (use the Premium Plus form if upgrading)

Step 2: Apply Online

Submit your application through the RHB Reflex self-help registration page: RHB Reflex Registration

Step 3: Connect to Xero

Once your RHB Reflex account is active:

• Log in to your Xero account and securely connect your RHB Reflex accounts.
• Sync multiple business accounts, including current, multi-currency, credit card, and loans.
• Enable auto reconciliation to automate reporting and track cash flow efficiently.

Step 4: Training & Support

Take advantage of the training and support resources:

• Access Xero Central Learning for tutorials and guides: Xero Learning
• Contact RHB Customer Care Centre at +603 9206 8118 for any queries or technical issues.
• Enjoy unlimited 24/7 online support for migration assistance, troubleshooting, and product guidance.

By following these steps, SMEs can quickly set up RHB Reflex, integrate it seamlessly with Xero, and start managing cash flow, payments, and reporting with ease and security.

Tips For Maximizing RHB Reflex + Xero

To get the most out of RHB Reflex integrated with Xero, SMEs can leverage automation, role management, and mobile features to streamline operations and save time.

Enable Auto-Reconciliation

Automate bank and credit card reconciliation to save time and reduce errors. This ensures cash flow tracking is faster and more accurate.

Assign Custom Roles

Delegate tasks effectively using roles such as Administrator, Data Entry, Reviewer/Authoriser, and Inquirer. This improves team efficiency, accountability, and workflow management.

Use Real-Time Notifications

Receive instant alerts on the mobile app for payments and approvals. This enables timely decision-making and faster workflow, even when you are on the go.

Leverage Bulk Payments & API Integrations

Conduct multiple payments at once and integrate with APIs to streamline operations. This reduces manual input and accelerates supplier or vendor payments.

Pro Tips:

• Combine auto-reconciliation with customized reporting in Xero for actionable financial insights.
• Assign team roles based on responsibilities to avoid duplication of work and ensure smooth approvals.
• Enable mobile notifications to manage approvals and monitor transactions in real time.
• Utilize bulk payment features for payroll, supplier settlements, or recurring payments to improve operational efficiency.

By implementing these strategies, SMEs can maximize efficiency, improve cash flow management, and fully leverage the RHB Reflex + Xero integration for smarter, faster financial operations.

Conclusion

RHB Reflex, combined with Xero integration, provides SMEs with a powerful solution for efficient cash flow management, real-time transaction tracking, and automated reconciliation. With flexible payment options, invoice management via WhatsApp, detailed business reports, and robust security features, business owners can streamline their operations and make informed financial decisions. By choosing the right RHB Reflex package and leveraging Xero’s capabilities, SMEs can save time, improve accuracy, and focus on growing their business.

How FastLane Group Can Help

FastLane Group can guide your business through the entire RHB Reflex application and Xero integration process. From selecting the most suitable Reflex package to setting up automated reconciliation and training your team, our experts ensure a seamless experience. We also provide ongoing support for any technical issues, workflow optimization, or compliance queries, helping your SME maximize the benefits of RHB Reflex and Xero for smarter, more efficient financial management. Contact us for a consultation!

FAQs

1. Can I link multiple RHB business accounts to Xero?

Yes. You can securely link multiple RHB business accounts—including current, multi-currency, credit card, and loan accounts—directly to Xero, allowing seamless syncing and automated reconciliation.

2. How much does RHB Reflex Premium Plus cost?

RHB Reflex Premium Plus is priced at RM 50 per month. A Xero account starts from USD 14.50 per month, making it an affordable solution for SMEs seeking automation and accurate financial reporting.

3. Is RHB Reflex compliant with Malaysia’s e-invoicing mandate?

Yes. RHB Reflex, when integrated with Xero, complies with Malaysia’s e-invoicing requirements and features bank-grade security to ensure your financial data remains safe and fully compliant.

4. Can I send invoices directly via WhatsApp?

Absolutely. With the RHB Reflex and Xero integration, you can send invoices or payment reminders directly through WhatsApp, helping speed up collections and improving cash flow efficiency.

5. Where can I get training for RHB Reflex and Xero integration?

Training resources are available via Xero Central Learning and RHB Reflex self-help registration. Additionally, the Customer Care Centre provides unlimited 24/7 support for technical issues, migration assistance, and queries at +603 9206 8118.