Connecting your RHB Reflex Premium Plus account to Xero is one of the easiest ways to automate your business finances, save time on bookkeeping, and ensure your records are always up to date. Whether you’re managing multiple accounts, tracking cash flow, or preparing reports for the Inland Revenue Board of Malaysia (IRBM), this integration helps you do it all in one place.
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Why Connect RHB To Xero?
The RHB × Xero direct bank feed offers daily, automatic imports of your RHB transactions into Xero, giving you a clear financial picture at all times.
Key benefits include:
- Sync Multiple Accounts – Connect your business current, multi-currency, loan, and corporate credit card accounts to Xero for a complete financial view.
- Daily Auto Reconciliation – Transactions are imported every 24 hours (timing varies by account type), ready for fast matching and approval.
- Real-Time Cash Flow Tracking – View balances, incoming payments, and outstanding bills on the go using the Xero mobile app.
- E-Invoicing & Compliance – Securely generate and submit IRBM-ready e-Invoices, meeting Malaysia’s e-Invoicing mandate.
- Business Reporting – Create customised financial reports to support better decision-making and business growth.
- Send Invoices via WhatsApp – Speed up collections by sending invoices or reminders directly to your customers.
Read: How RHB–Xero Integration Empowers Businesses Through Cloud Accounting
Who Can Use This Integration?
The RHB–Xero direct bank feed is available to:
- Businesses with an RHB Reflex Premium Plus account
- Businesses using Xero where at least one user has the Advisor role (needed to set up the bank feed connection)
What’s the Advisor role?
In Xero, only users with the Advisor role have permission to add bank accounts and connect bank feeds. This is usually the business owner, finance manager, or accountant. If you don’t have this access, your Xero administrator can set it for you or complete the setup on your behalf.
Before You Start
- If you’re linking foreign currency accounts, make sure multi-currency is enabled in Xero
- For corporate credit cards, the feed pulls transactions from the master account, not from individual cardholder accounts.
Not Yet on RHB Reflex Premium Plus or Xero?
FastLane can assist you:
- Open or upgrade to an RHB Reflex Premium Plus account
- Set up your Xero subscription with the right configuration for your business
- Complete the bank feed connection and provide ongoing support
Contact FastLane Group today to get started with your RHB–Xero setup and enjoy a smooth, fully guided onboarding experience.
Step-by-Step Guide: How to Connect RHB to Xero
Step 1 – In Xero, go to Accounting → Bank accounts → Add bank accounts.
Step 2 – Filter by Country: Malaysia, search for RHB, click Continue, and log in to your bank.
Step 3 – You’ll be redirected to RHB. The Customer (Authoriser) must sign into Reflex.
Step 4 – Verify your Secret Word and enter your Token Passcode.
Step 5 – Give consent to link RHB Reflex with Xero.
Step 6 – Xero will link the account for the bank feed.
Step 7 – You’ll return to Xero to select the organisation(s) that will receive the RHB bank feed.
Step 8 – From RHB, select your preferred Reflex account(s), click Link, review the Account Listing Maintenance table, and click Continue.
Now, you’re all set! Your accounts will appear under Account Listing Maintenance, and transactions will start syncing automatically.
Transaction Posting Times
Once connected, your RHB transactions will be imported into Xero every 24 hours. The timing depends on your account type:
| Account Type | Posting Time (MYT) |
| Business Current & Credit Card | By 4:00 AM |
| Multi-Currency Account | By 2:00 AM |
| Loan Account | By 8:00 AM |
Let FastLane Group Help You Get Started
Setting up the integration is just the beginning; to get the most out of your RHB–Xero connection, you need the right financial processes in place.
At FastLane Group, we’re a Xero Platinum Champion Partner with years of experience helping businesses integrate, automate, and optimize their accounting systems. Whether you’re new to Xero or looking to streamline your workflow, we can handle the setup and provide ongoing support so you can focus on growing your business.
Contact us today to start your RHB–Xero integration journey.
Frequently Asked Questions
1. What is the RHB–Xero Integrated Service?
It’s a direct bank feed connection between RHB Reflex Premium Plus and Xero Accounting Software.
This integration automatically imports transactions from eligible RHB accounts (business current, multi-currency, loan, and corporate credit card) into Xero daily, enabling faster reconciliation, real-time cash flow tracking, and easier compliance.
2. What is RHB Reflex?
RHB Reflex is an online cash management platform that allows businesses to manage finances efficiently. Core functions include:
- Account & information management
- Trade inquiries and credit card merchant reports
- Fund transfers and bill payments
- Collections and payment advice notifications
3. What is Xero Accounting Software?
Xero is a cloud-based accounting platform designed for small to medium businesses. Key features include:
- Automated bank reconciliation and transaction matching
- Invoicing and e-Invoicing compliance with IRBM
- Real-time financial reporting and insights
- Unlimited users with role-based permissions
- 800+ third-party app integrations for payroll, HR, inventory, and more
4. What are the benefits of connecting RHB to Xero?
- Multiple Account Sync – Connect current, multi-currency, loan, and corporate credit card accounts.
- Daily Auto Feeds – Transactions import automatically every 24 hours.
- Automated Reconciliation – Match and approve transactions instantly.
- Real-Time Cash Flow – Access updated financial data anytime via the Xero app.
- Compliance Ready – Manage IRBM e-Invoicing directly in Xero.
- Consolidated Reporting – Centralise all account data for better financial analysis.
5. What are the charges?
- RHB Reflex Premium Plus: RM50/month
Xero: 30-day free trial, then subscription (from USD14.50/month)
6. Who is eligible to use this integration?
You must have:
- An RHB Business Current Account with the Reflex Premium Plus module, and
- An active Xero subscription (with Advisor role to set up the feed)
7. How do I apply?
- New to RHB: Open an RHB Business Current Account and subscribe to Reflex Premium Plus (specifying Xero).
- Existing RHB customer without Reflex: Apply for Reflex Premium Plus (specifying Xero).
- Existing Reflex Basic/Premium user: Upgrade to Reflex Premium Plus (specifying Xero).
8. How often are transactions updated in Xero?
Daily, every 24 hours, at the following times (MYT):
| Account Type | Posting Time |
| Business Current & Credit Card | By 4:00 AM |
| Multi-Currency Account | By 2:00 AM |
| Loan Account | By 8:00 AM |
9. Can I link multiple RHB accounts to one Xero organisation?
Yes. Repeat the linking process for each account.
10. Can I unlink accounts later?
Yes, via Account Listing Maintenance in RHB Reflex or by disconnecting in Xero.
11. Can I import past transactions?
Yes. Use a CSV upload in Xero to import historical data.
12. Who do I contact for support?
Contact RHB if you experience:
- Login issues (incorrect credentials, locked account)
- Two-factor authentication (2FA) problems
- Accounts not visible in the RHB portal
- Data delays or missing transactions from the bank side
- Permission errors preventing access to the feed
- Issues during the initial connection setup
Contact Xero if you experience:
- Errors or disconnections in the bank feed
- Duplicate transactions in Xero
- Questions about feed update timing or limits
- Issues with eligible account type recognition
- Missing transactions after the feed connection
Support Channels:
- RHB Customer Care Centre: +603 9206 8118 or visit any branch
- Xero Central Support: https://central.xero.com
FastLane Group: https://fastlane-global.com/my/xero-accounting/
