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Interbank GIRO (IBG)

 


Interbank GIRO (IBG) is an interbank funds transfer system provided by Malaysian Electronic Clearing Corporation Sdn Bhd (MyClear). Individual customers can perform IBG transaction through the following Bank Islam delivery channels :

  1. Branches
    - maximum amount for each transaction is RM500,000

  2. Internet Banking
    - maximum amount for each transaction is RM10,000 per day.

  3. TAP Mobile Banking-i
    - maximum amount for each transaction is RM10,000 per day.

Corporate customers can perform IBG transaction upon subscription of Bank Islam Corporate Internet Banking (eBanker).

 

Funds Availability : 

Payment Initiated by Customers * Funds Received by Beneficiaries
Business Days
(Monday – Friday)
Before 5:00 am Same day By 10:30 am
5:00 am to 7:00 am Same day By 01:00 pm
7:01 am to 9:30 am Same day By 03:00 pm
9:30 am to 12:30 pm Same day By 05:45 pm
After 12.30 pm Next working day By 10:30 am
Non-Business Days
( Saturday, Sunday and Federal Territory Public Holidays )
Next working day By 10:30 am

 * Under normal circumstances

  • Applicable for all IBG payments and funds transfer to current & savings accounts. Except for Bank Muamalat, where funds are credited after 6pm if payments initiated before/on 12:30pm.

  • For financing/loan and credit card payments initiated before 12:30pm on business days, funds will be available in the beneficiary’s account before 12 midnight on the same day.


Fees and Charges : 

Over The Counter (Branches)

Account type First 2 transactions of the month Subsequent transactions
Basic Savings / Basic Current Account RM0.50 RM2.00
Savings / Current Account RM2.00 RM2.00


Internet Banking and TAP Mobile Banking-i

Account type Transaction Fee
Basic Savings / Basic Current / Savings / Current Accountnt RM0.10

 

Corporate Internet Banking (eBanker)
  • Transaction charges are subject to business arrangement between corporate customers and Bank Islam.
 

Return on unsuccessful IBG payment

  • For IBG transaction initiated by 12:30 pm ( on business day ) but failed to credit to beneficiary’s account, the paying customer will receive the returned funds latest by 10:30 am on the next business day.

 

List of Participating Financial Institutions/ Banks

No. Bank Current Savings Credit Card Loan / Financing Hire Purchase
1. Affin Bank Ö Ö Ö Ö Ö
Affin Islamic Bank Ö Ö - Ö Ö
2. Agrobank - Ö - Ö -
3. Alliance Bank Ö Ö Ö Ö Ö
Alliance Islamic Bank Ö Ö - Ö Ö
4. Al Rajhi Banking & Investment Corporation Ö Ö Ö - -
5. AmBank Ö Ö Ö Ö Ö
AmIslamic Bank Ö Ö Ö - Ö
6. Bank Islam Ö Ö Ö Ö Ö
7. Bank Kerjasama Rakyat Malaysia - Ö Ö Ö -
8. Bank Muamalat Ö Ö - - -
9. Bank of America Ö Ö - - -
10. Bank Simpanan Nasional - Ö Ö Ö Ö
11. Bank of Tokyo - Mitsubishi UFJ Ö Ö - Ö -
12. CIMB Bank Ö Ö Ö - -
CIMB Islamic Bank Ö Ö - - -
13. BNP Paribas Ö - - Ö -
14. Citibank Ö Ö Ö Ö -
15. Deutsche Bank Ö Ö - Ö -
16. Hong Leong Bank Ö Ö Ö Ö Ö
Hong Leong Islamic Bank Ö Ö - Ö Ö
17. HSBC Bank Ö Ö Ö Ö -
HSBC Amanah Ö Ö Ö Ö -
18. Industrial and Commercial Bank of China (ICBC) Ö Ö Ö Ö -
19. JP Morgan Chase Ö Ö - Ö -
20. Kuwait Finance House Ö Ö - - -
21. Maybank / Maybank Islamic Ö Ö Ö Ö Ö
22. Mizuho Corporate Bank (Malaysia) Berhad Ö - - - -
23. OCBC Bank Ö Ö Ö Ö -
OCBC Al-Amin Bank Ö Ö - Ö -
24. Public Bank Ö Ö Ö Ö Ö
Public Islamic Bank Ö Ö - Ö Ö
25. RHB Bank Ö Ö Ö Ö Ö
RHB Islamic Bank Ö Ö - Ö Ö
26. The Royal Bank of Scotland Ö Ö - - -
27. Standard Chartered Bank Ö Ö Ö Ö -
Standard Chartered Saadiq Ö Ö - Ö -
28. Sumitomo Mitsui Banking Corporation Ö - - - -
29. United Overseas Bank Ö Ö Ö Ö -

Click here to view latest IBG information.

 
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