Surface finish is coating layer plated on a bare copper board of printed circuit board (PCB). Among PCB surface finishes, Electroless Nickel/Immersion Gold (ENIG) finish is a top choice among electronic packaging manufacturer due to its excellent properties for PCB. However, the use of gold element in ENIG is very high cost and the black pad issue have not been resolved. Thus, by introducing an Electroless Nickel/Immersion Silver (ENImAg) as alternative surface finish hopefully can reduce the cost and offer better properties. The aim of this study is to investigate the effect of bismuth on interfacial reaction during reflow soldering between Sn-2.5Ag (SA25), Sn-3.4Ag-4.8Bi (SAB3448) and ENIMAG surface finish. Solder balls with sizes of 500μm diameters were used. The characteristics of intermetallic compound (IMC) were analyzed by using scanning electron microscopy (SEM), optical microscope and energy dispersive x-ray (EDX). After reflow soldering, the result revealed that only the irregular circle-shape of (Cu,Ni)6Sn5IMC layer was formed at the interface and change to an irregular rod-like shape meanwhile the irregular needle-shape (Ni,Cu)3Sn4was appeared after aging treatment. The result also indicated that, the grain size and thickness of IMC for SAB3448 is smaller and thinner compared to the SA25. The IMC thickness is proportional to the aging duration and IMC morphology for both solder are became thicker, larger and coarser after isothermal aging. No bismuth particle has been detected on SAB3448 solder during top surface examination. In addition, the Bi has been observed can reduce the grain size and the growth rate of IMC. Keywords: ENIMAG, reflow soldering, lead-free solder, intermetallic compound, bismuth