eCCRIS Login has become a key for Malaysian citizens to easily manage their credit profiles. In 2025, Bank Negara Malaysia (BNM) has made important security improvements to the eccris login system , making users’ financial data more secure. This article provides a detailed process of eccris login, new features, and solutions to common problems.
What is eCCRIS Login?
eccris login is the process of logging into the online portal of Bank Negara Malaysia’s Central Credit Reference Information System (CCRIS). The system collects credit information from Malaysian financial institutions, banks, insurance companies, and government agencies. Users can access their credit report, loan repayment history, and outstanding debts through eccris login . “eCCRIS provides a secure platform for individuals to access their credit information anytime, anywhere,” BNM announced.
Steps for eCCRIS Login
The eccris login process is very simple and secure for users . Follow the steps below:
- Go to the official website https://eccris.bnm.gov.my .
- Enter your registered user ID in the User ID field.
- Type your password in the Password field.
- Enter the OTP received on the registered mobile number for multi-factor authentication (MFA) .
- Click on the “Login” button and access your dashboard.
Once these steps are completed, you will see your credit report and other features.
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eCCRIS register First-Time
If you want to log in to eccris for the first time , you will have to complete the registration process. This process has been digitally accelerated in 2025:
- Go to eccris.bnm.gov.my and click on “Register Now”.
- Enter your MyKad number , full name, date of birth, phone number, and email.
- Make an online transfer of RM1 to BNM’s designated account (this amount will be refunded within 2 working days).
- Once the identity verification is successful, you will receive a 6-digit OTP on your registered mobile .
- Complete the registration by entering the OTP and get ready for eccris login .
This process is only available to Malaysian citizens who have MyKad and internet banking facilities.
eCCRIS Forgot Password Recovery
If you have forgotten your eccris login password, the recovery process is very simple:
- Click on the “Forgot Password?” link on the eccris login page.
- Enter your User ID or registered email.
- The system will send a reset link to your email for identity verification.
- Create and confirm a new password by clicking on the link .
- Login to eccris with the new password .
For security reasons, BNM does not share user IDs via email or phone.
New features of eCCRIS First Time Login in 2025
Several important updates have been added to the eccris login system in 2025 , which improve the user experience:
- QR TOTP Authentication : Instead of SMS OTP, a QR Code-based Time-based One-Time Password system has been introduced, which is more secure.
- Real-Time Credit Monitoring : Users can now receive instant notifications of changes in their credit status .
- Mobile-First Design : The portal is now fully mobile responsive, making it easier to log in to eccris from a smartphone.
- Enhanced Data Visualization : Credit reports are now presented in a more understandable way with graphs and charts .
Security methods of eCCRIS Login
BNM has implemented multi-level protection to secure eccris login :
- MFA Mandatory : Multi-factor authentication has been made mandatory for all users from June 27, 2025 .
- Session Timeout : Automatic logout after 10 minutes of inactivity .
- Encrypted Data Transmission : All information is transmitted via SSL encryption .
- Device Registration : Device registration is mandatory when logging into eccris from a new device .
Benefits of eCCRIS Login
eccris login has several important benefits for users :
- Free Access : There is no charge to get a credit report, while other agencies charge a fee.
- Anytime, Anywhere : 24/7 online access from home or office.
- Financial Planning : Credit status can be checked before applying for a loan.
- Error Detection : If there is any error in the report, the bank can be contacted for immediate correction .
- Privacy Protection : Information is protected by privacy laws.
Support and help for eCCRIS Login
If you encounter any problems while logging into eccris , please contact BNM directly:
- BNMTELELINK : 1-300-88-5465 (Local) or +603 2174 1717 (International).
- Email : [email protected]
- Physical Access : Registration and assistance can be obtained at the AKPK office or BNMLINK kiosks.
Common errors and solutions for eccris login
Some common problems users face while logging into eccris are:
- Incorrect OTP : Enter the OTP quickly as the time limit is 5 minutes.
- Browser Compatibility : eccris login may not work in older browsers, so use Chrome or Firefox.
- Session Timeout : Refresh the page every 5 minutes or log in again.
FAQs
What is required for eccris login?
Registered User ID, Password, and OTP through multi-factor authentication are required.
Is there any fee for eCCRIS online Login?
Absolutely not, there is no charge for eccris login and getting a credit report.
Can Non-Malaysians login to eccris?
Yes, but registration will have to be done with a passport and additional documents.
How long does the session last after eCCRIS online?
The session automatically expires after 10 minutes of inactivity.
What is QR TOTP for eCCRIS online Login?
QR TOTP is a time-based one-time password generated through a QR code, which is more secure than SMS OTP.
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