Tuesday, 24 September 2019, 24 Muharam 1441H Solat Time:

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
Maximum Daily transaction limit (RM per day) RM50,000 combined limit with interbank funds transfer & Tabung Haji RM10,000 combined limit with interbank funds transfer RM30,000 combined limit with interbank funds transfer, Tabung Haji & SSPN-i 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 Transaction Statement/History – YesHardcopy 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) RM0.10RM0.10RM0.30 RM2.00
Maximum Daily transaction limit (RM per day) RM50,000 combined limit with intrabank funds transfer, IBFT & Tabung Haji RM10,000 combined limit with intrabank funds transferRM30,000 combined limit with intrabank funds transfer, IBFT,Tabung Haji & SSPN-i 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 TimeCrediting TimeTime of Refund for Unsuccessful Transaction
(i)Monday – FridayBefore 5.00 amBy 11:00 am same dayBy 5.00 pm same day
5:01 am – 8:00 amBy 2:00 pm same dayBy 8.00 pm same day
8:01 am – 11:00 amBy 5:00 pm same dayBy 11.00 pm same day
11:01 am – 2:00 pmBy 8:00 pm same dayBy 11.00 am next working day
2:01 pm – 5:00 pmBy 11:00 pm same dayBy 11.00 am next working day
After 5:00 pmBy 11:00 am next working dayBy 5.00pm next working
(ii)Non-business daysNext working dayBy 11:00 am next working dayBy 5.00pm next working
* Free of charge for senior citizens and the disabled persons
Funds transfer from TH account to TH account – RM1.00
Account Opening – RM1.00
Hajj Registration – RM1.00
Passbook replacement – RM1.00
Card Linkage – No charges

 

Cash Withdrawal – RM1.00 per transaction
Funds Transfer – RM1.00 per transaction
Cash Deposit – RM1.00
Balance Inquiry – No charges
Hajj Registration – No Charges
Card Linkage – No Charges

 

 

 

 

  INSTANT TRANSFER (IBFT) 

Items

Channels

Internet Banking

Mobile Banking

ATM

Fees and Charges (RM per transaction) RM0.00 (RM5,000 and below),RM0.50 (above RM5,000) RM0.00 (RM5,000 and below),RM0.50 (above RM5,000) RM0.00 (Local)
Maximum Daily transaction limit (RM per day) RM50,000 combined limit with IBG and Tabung HajiRM10,000 combined limit with IBG and intrabank funds transferRM30,000 combined limit with intrabank transfer, IBG, Tabung Haji & SSPN-i
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 transaction
Funds transfer from TH account to TH account – RM1.00
Account Opening – RM1.00
Hajj Registration – RM1.00
Card Linkage – No charges
Balance Inquiry – No Charges
Hajj Registration – No Charges
Maximum Daily Transaction Limit (RM per day)
Own Account Transfer 
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 Transfer
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 with intrabank funds transfer, IBG, IBFT & SSPN-i
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 Hours
Monday – Friday (Except for Kelantan, Terengganu and Johor)
Sunday – Thursday
12:45 a.m. – 11:59 p.m.
Crediting timeImmediateImmediateImmediate

SSPN-i

Items

Channels

Over-the counter (OTC)

ATM

Fees and Charges (RM per transaction)
SSPN-i Account Opening – RM2.50
Funds Transfer – RM1.00 per transaction
SSPN-i Account Linkage – No Charges
Cash Deposit – RM0.50
Daily Transaction Limit ((RM per day)
Funds transfer from TH account to TH account – RM1.00
Account Opening – RM1.00
Hajj Registration – RM1.00
Balance Inquiry – No Charges
Hajj Registration – No Charges
Own Account
SSPN-i to SSPN-i – Unlimited
SSPN-i to Bank Islam – Unlimited
Bank Islam to SSPN-i – RM30,000
Card Linkage – No charges
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
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 Hours
Monday – Friday (Except for Kelantan, Terengganu and Johor)
Sunday – Thursday
6:00 a.m. – 11:59 p.m.
Crediting timeImmediateImmediate

 

  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)FreeFree
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) Trainingg
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 packagesNot applicableNot 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 Applicablee
Not Applicable
RM10,000 combined limit with interbank funds transfer (sole proprietor only)
Not Applicablee
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 hoursNot applicable24 hoursBanking hours

For all channels

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

Refund timeImmediate (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 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 packagesNot 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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