Monday, 20 May 2019, 15 Ramadhan 1440H Solat Time:
KL Imsak 5:31 | Subuh 5:41 | Syuruk 7:01 | Zohor 1:13 | Asar 4:35 | Maghrib 7:20 | Isyak 8:34

E-Payment Services and Fees


 

 INTRABANK FUND TRANSFER

Items

Channels

Internet Banking

Mobile Banking

ATM

Over-the-counter (OTC)

Fees and Charges (RM per transaction) No Charges No Charges No Charges No Charges
Daily transaction limit (RM per day) RM50,000 combined limit with interbank funds transfer RM10,000 combined limit with interbank funds transfer RM30,000 combined limit with interbank funds transfer No limit
Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
Note: Availability of names in statement will be made available in December 2014. For names and payment reference for channels that are not yet available in Hardcopy Statement will be made available in December 2014
Payment reference in Internet TransactionStatement/History – Yes Hardcopy statement – No
Yes
No
No
No
No
Payer’s Name – No Payment reference – No
Beneficiaries Name – No Payment reference – No
Operating hours

24 hours

23 hours

24 hours

Banking hours

For all channels

Crediting time
(i) Monday – Friday
(ii) Non-business days
Immediate
Immediate
Immediate
Immediate

-

-

Refund time Immediate (Upon beneficiary consent) Immediate (Upon beneficiary consent) Immediate (Upon beneficiary consent) Immediate (Upon beneficiary consent)

 

 

 

INTERBANK GIRO (IBG)

Items

Channels

Internet Banking

Mobile Banking

ATM

Over-the-counter (OTC)*

Fees and Charges (RM per transaction) RM0.10 RM0.10 RM0.30 RM2.00
Daily transaction limit (RM per day) RM50,000 combined limit with intrabank funds transfer and Instant Transfer IBFT RM10,000 combined limit with intrabank funds transfer RM30,000 combined limit with intrabank funds transfer, Instant Transfer IBFT and Tabung Haji Up to RM500,000
Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
Note: Availability of names in statement will be made available in December 2014. For names and payment reference for channels that are not yet available in Hardcopy Statement will be made available in December 2014
Yes
Yes
No
No
No
No
Hardcopy Statement – Yes
Hardcopy Statement – No
Future-dated payments

Yes

No applicable

No

No

Operating hours

18 hours (6:00 am – 12:00 midnight)

18 hours (6:00 am – 12:00 midnight)

18 hours (6:00 am – 12:00 midnight)

Banking hours

For all channels

Transaction Time Crediting Time Time of Refund for Unsuccessful Transaction
(i) Monday – Friday Before 5.00 am By 11:00 am same day By 5.00 pm same day
5:01 am – 8:00 am By 2:00 pm same day By 8.00 pm same day
8:01 am – 11:00 am By 5:00 pm same day By 11.00 pm same day
11:01 am – 2:00 pm By 8:00 pm same day By 11.00 am next working day
2:01 pm – 5:00 pm By 11:00 pm same day By 11.00 am next working day
After 5:00 pm By 11:00 am next working day By 5.00pm next working
(ii) Non-business days Next working day By 11:00 am next working day By 5.00pm next working
* Free of charge for senior citizens and the disabled persons

 

 

Items

Channels

Internet Banking

Mobile Banking

ATM

Fees and Charges (RM per transaction) RM0.00 (RM5,000 and below),RM0.50 (aboveRM5,000) RM0.00 (LIFB) RM0.00 (RM5,000 and below),RM0.50 (aboveRM5,000) RM0.00 (LIFB) RM0.00 (Local) RM0.00 (LIFB)
Daily transaction limit (RM per day) RM50,000 combined limit with IBG and intrabank funds transfer RM10,000 combined limit with IBG and intrabank funds transfer RM30,000 combined limit with intrabank transfer, IBG and Tabung Haji
Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
Note: Availability of names in statement will be made available in December 2014. For names and payment reference for channels that are not yet available in Hardcopy Statement will be made available in December 2014
Yes, for payment references except payers’ names
Yes
No
No
No
No
Operating hours

24 hours

18 hours (6:00 am – 12:00 midnight)

24 hours

For all channels

Crediting time
(i) Monday – Friday
(ii) Non-business days
Immediate
Immediate
Immediate
Immediate
Immediate
Immediate
Refund time Immediate (upon funds received from RFI) Immediate (upon funds received from RFI) -

TABUNG HAJI

Items

Channels

Internet Banking

Over-the counter (OTC)

ATM

Fees and Charges (RM per transaction) Funds Transfer – RM1.00 per transactionBalance Inquiry – No Charges

Hajj Registration – No Charges

Funds transfer from TH account to TH account – RM1.00Account Opening – RM1.00

Hajj Registration – RM1.00

Passbook replacement -RM1.00

Card Linkage – No charges

Cash Withdrawal – RM1.00 per transactionFunds Transfer – RM1.00 per transaction

Cash Deposit – RM1.00

Balance Inquiry – No charges

Daily Transaction Limit (RM per day) Own Account TH to TH – RM1,000 000

TH to Bank Islam – RM50,000

Bank Islam to TH – RM50,000

Third Party Account

TH to TH – RM50,000

TH to Bank Islam – RM50,000

Bank Islam to TH – RM50,000

Maximum withdrawal – RM10,000 per day per customer per branch Own Account TH to TH – Unlimited

TH to Bank Islam – RM30,000

Bank Islam to TH – RM30,000

Third Party Account

TH to TH – RM30,000

TH to Bank Islam – RM30,000

Bank Islam to TH – RM30,000 combined limit

Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
Yes
Yes
No
No
No
No
Operating hours 24 hours Banking HoursMonday – Friday

(Except for Kelantan, Terengganu and Johor – Sunday – Thursday)

12:45 a.m. – 11:59 p.m.
Crediting time Immediate Immediate Immediate

SSPN-i

Items Channels

Over-the counter (OTC)

ATM

Fees and Charges (RM per transaction) SSPN-i Account Opening – RM2.50

SSPN-i Account Linkage – No Charges

Cash Deposit – RM0.50

Cash Withdrawal – RM0.50 per transactionFunds Transfer from Bank Islam Account to SSPN-i – RM0.50 per transaction

Cash Deposit – No charges

Balance Inquiry – No Charges

Daily Transaction Limit (RM per day) No limit  Own Account SSPN-i to SSPN-i – Unlimited

SSPN-i to Bank Islam – Unlimited

Bank Islam to SSPN-i – RM30,000

Third Party Account

SSPN-i to SSPN-i – RM30,000

SSPN-i to Bank Islam – RM30,000

Bank Islam to SSPN-i – RM30,000 combined limit

Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
No
No
No
No
Operating hours Banking HoursMonday – Friday

(Except for Kelantan, Terengganu and Johor – Sunday – Thursday)

6:00 a.m. – 11:59 p.m.
Crediting time Immediate Immediate

RENTAS

Items

Channels

Internet Banking

Mobile Banking

Over-the-counter (OTC)

Fees and Charges (RM per transaction)
Not Offering
Not Offering
RM2.00
Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
Note: Availability of names in statement will be made available in December 2014. For names and payment reference for channels that are not yet available in Hardcopy Statement will be made available in December 2014
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Payment Reference -No
Payment Reference -No
Operating hours

Not Applicable

Not Applicable

Banking hours

For all channels

-

Crediting time
(i) Monday – Friday
(ii) Non-business days
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Same working day
Not Applicable
Refund time

Not Applicable

Not Applicable

Immediate (upon funds received from RFI)

*Free of charge for senior citizens and the disabled persons

 

FINANCIAL PROCESS EXCHANGE (FPX) AND INTERBANK DIRECT DEBIT

Items

FPX (B2C)

Interbank Direct Debit

Fees and Charges (RM per transaction) Free Free
Merchants Click here to view full list
1. Takaful Ikhlas
2. Wassiyah Shoppe
3. BSN Prudential

 

OTHER RELATED FEES/CHARGES FOR ONLINE BANKING (INTERNET AND MOBILE BANKING)

Items

Internet Banking

Mobile Banking

Other related charges
(i) Maintenance / subscription fee
(ii) Security tokens
(iii) Annual digital certificates
(iv) Salary payment / payroll
(v) Notification / SMS
(vi) Training
No charges
Not applicable
Not applicable
Not applicable
No charges
Not applicable
RM8.00
Not applicable
Not applicable
Not applicable
RM0.20
Not applicable
Incentives and packages Not applicable Not applicable

DEBIT CARD

Items

Standalone domestic debit card

Standalone International brand debit card

Combo debit card*

Domestic

International

Daily point-of-sale transaction limit (RM per day)

RM2,000.00

RM2,000.00

RM2,000.00

RM2,000.00

Incentives

No Incentive

No Incentive

No Incentive

* Cards with both domestic debit and international debit schemes

 

 

CHEQUE AND CURRENT ACCOUNT SERVICES

RM

Effective date

Fees per cheque issued
RM0.15 (Stamp Duty)
On-going
Click here for details

Type of accounts

Interest rate/profit rate (% per annum)

Interest rate/profit rate of current accounts
Click here for details
Click here for details

INTRABANK FUNDS TRANSFER

Items

Channels

Mobile Banking

ATM

Over-the-counter (OTC)

Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME*
Other Corporates (Cash Management)
Standing Instruction
(a) Stamping on Documentation
(b) One time application
Not Offering
Not Offering
Not Offering
Not Offering
No Charges
Not Offering
Not Offering
Not Offering
No Charges
No Charges
RM10.00
RM10.00
Daily transaction limit (RM per day)
Sole-proprietors, partnership and SME*
Other Corporates (Cash Management)
Not Applicable
Not Applicable

RM10,000 combined limit with interbank funds transfer (sole proprietor only)
Not Applicable
No limit (subject to mandate stated in Board Resolution)

 

Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
Not Applicable
Not Applicable
No
No
Payer’s name- No Payment reference – No
Beneficiaries’ name- No Payment reference – No

Operating hours

Not applicable

24 hours

Banking hours

 

For all channels

Crediting time
(i) Monday – Friday
(ii) Non-business days
Immediate
Immediate
Immediate
Immediate

-

-

Refund time Immediate (Upon beneficiary consent)Immediate (Upon beneficiary consent)

-

-

 

Note: * For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

INTERBANK GIRO (IBG)

Items

Channels

Mobile Banking

ATM

Over-the-counter (OTC)*

Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME*
Other Corporates (Cash Management)
Not Offering
Not Offering
Not Offering
Not Offering
RM2.00
RM2.00
Daily transaction limit (RM per day)
Sole-proprietors, partnership and SME*
Other Corporates (Cash Management)
* Approval on Batch Concept (NO limit as long as approval as per Mandate)
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Up to RM500,000 million (subject to mandate stated in Board Resolution)
Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
No
No
No
No
Hardcopy statement – Yes
Hardcopy statement – No
Future-dated payments

Not Applicable

Not Applicable

No

Operating hours

18 hours (6:00 am – 12:00 midnight)

24 hours

Banking hours

For all channels

Crediting time
(i) Monday – Friday
Before 5.00 am
5:01 am – 8:00 am
8:01 am – 11:00 am
11:01 am – 2:00 pm
2:01 pm – 5:00 pm
After 5:00 pm
(ii) Non-business days
Same day by 11:00am
Same day by 2:00pm
Same day by 5:00pm
Same day by 8:00pm
Same day by 11:00 pm
Next working day
Next Business day by 11:00 am
By 10:30 am
By 1:00 pm
By 3:00 pm
By 5:45 pm
By 10:30 am
By 10:30 am

-

-

Refund time Immediate (upon funds received from RFI) Immediate (upon funds received from RFI)

-

-

Note: * For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

INSTANT INTERBANK FUNDS TRANSFER (IBFT)

Items

Channels

Mobile Banking

ATM

Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME*
Other Corporates (Cash Management)
RM2.00 (Local) RM5.00 (LIFB) (for Sole proprietor only)
Not Offering
RM1.00 (Local) RM4.00 (LIFB) (for Sole proprietor only)
Not Offering
Daily transaction limit (RM per day)
Sole-proprietors, partnership and SME*
Other Corporates (Cash Management)
Note: Approval on Batch / Single Transaction (NO limit as long as approval as per Mandate)
RM10,000 combined limit with IBG and intrabank funds transfer – (for Sole proprietor only)
Not Applicable
RM10,000. Cash withdrawals, separate limit (for Sole proprietor only)
Not Applicable
Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
No
No
No
No
Operating hours

18 hours (6:00 am – 12:00 midnight)

24 hours

For all channels

-

Crediting time
(i) Monday – Friday
(ii) Non-business days
Immediate
Immediate
Immediate
Immediate

-

Refund time

Immediate (upon funds received from RFI)

-

-

Note: * For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

RENTAS

Items

Channels

Mobile Banking

Over-the-counter (OTC)

Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME*
Other Corporates (Cash Management)
Not Offering
Not Offering
RM2.00
RM2.00
Payment reference
(i) Availability of payers’ names and payment references in beneficiaries’ bank statement
(ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
Not Applicable
Not Applicable
Payment Reference -No
Payment Reference – No
Operating hours

Not Applicable

Banking hours

For all channels

-

Crediting time
(i) Monday – Friday
(ii) Non-business days
Not Applicable
Not Applicable
Same business day

 

Note: * For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

FINANCIAL PROCESS EXCHANGE (FPX) AND INTERBANK DIRECT DEBIT

Items

FPX / B2B

Interbank Direct Debit

Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME*
Other Corporates (Cash Management)
RM2.50 – RM5.00
RM2.50 – RM5.00
RM0.80-RM4.00
RM0.80-RM4.00

Note: * For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

OTHER RELATED FEES/CHARGES FOR ONLINE BANKING (MOBILE BANKING)

Items

Sole-proprietors, partnership and SME

Other related charges
(i) Maintenance / subscription fee
(ii) Security tokens
(iii) Annual digital certificates
(iv) Salary payment / payroll
(v) Notification / SMS
(vi) Training
Internet Banking – No Charge Mobile Banking – RM8.00
No charges (effective Jan 2015)
No charges (effective Jan 2015)
RM0.11* per transaction for payroll payment ≤ 200 employees
No Charges
No Charges
Incentives and packages Not Applicable

 

Note: * For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

 

 

DEBIT CARD

Items

Standalone domestic debit card

Standalone International brand debit card

Combo debit card*

Domestic

International

Daily point-of-sale transaction limit (RM per day)

Not Offering

Not Offering

Not Offering

Not Offering

Incentives

No Incentive

No Incentive

No Incentive

* Cards with both domestic debit and international debit schemes

CHEQUE AND ACCOUNT CURRENT SERVICE

RM

Effective Date

Fees per cheque issued

RM0.15 (Stamp Duty)

On-going

Click here for details

Type of accounts

Interest rate/profit rate e (% per annum)

Interest rate/profit rate of current accounts

Click here for details

Click here for details

 

 

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