Monday, 20 February 2017, 23 Jamadilawal 1438H Solat Time:
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Interbank GIRO (IBG)


Interbank GIRO (IBG) is an interbank fund transfer system provided by Malaysian Electronic Clearing Corporation Sdn Bhd (MyClear).

Individual customers can perform IBG transaction through the following Bank Islam delivery channels :

i. Branches
- maximum amount for each transaction is RM500,000.00 per day.

ii. Internet Banking
- maximum amount for each transaction is RM50,000.00 per day.

iii. TAP Mobile Banking-i
- maximum amount for each transaction is RM30,000.00 per day.

iv. ATM
- maximum amount for each transaction is RM30,000.00 per day.

Internet banking Mobile banking ATM Over-the-counter (Branch)*
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 Dec 2014. Availability of names and payment reference for channels not yet available in Hardcopy Statement will be made available in Dec 2014
Yes
Yes
No
No
No
No
Hardcopy statement – Yes
Hardcopy statement- No
Future-dated payments Yes No No No
Operating hours 18 hours (6am – 12midnight) 18 hours (6am – 12midnight) 18 hours (6am – 12midnight) Banking hours
Refund time Immediate (upon funds received from RFI) Immediate (upon funds received from RFI) Immediate (upon funds received from RFI) Immediate (upon funds received from RFI)

* FOC for senior citizens and the disabled persons

Funds Availability :

Days Transaction cut-off time Funds availability* (by 12:00 midnight) Refund for Unsuccessful Transaction
Business Day(Monday – Friday) Before 5:00 a.m. Same Day By 11:00 a.m. Same Day By 5:00 p.m.
5:01 a.m. to 8:00 a.m. Same Day By 2:00 p.m. Same Day By 8:00 p.m
8:01 a.m. to 11:00 a.m. Same Day By 5:00 p.m. Same Day By 11:00 p.m
11:01 a.m. to 2:00 p.m. Same Day By 8:00 p.m. Next Working Day By 11:00 a.m
2:01 p.m. to 5:00 p.m. Same Day By 11:00 p.m. Next Working Day By 11:00 a.m
After 5:00 p.m. Next Working
Day
By 11:00 a.m. Next Working Day By 5:00 p.m
Non-Business Day(Saturday, Sunday
and Federal Territory Public Holidays)
Next working day By 11:00 a.m. Next Working Day By 5:00 p.m

* Note : The exact time of funds availability depends on the receiving Financial Institution.

Fees and Charges :
Over The Counter (Branches)

Account type First 2 transactions of the month Subsequent transactions
Basic Savings Account
Basic Current Account
RM0.53* RM2.12*
Savings Account
Current Account
RM2.12* RM2.12*

Note: *The fees/charges are inclusive of 6% GST where applicable, starting 1 April 2015

Internet Banking and TAP Mobile Banking-i

Account type First 2 transactions of the month Subsequent transactions
Basic Savings / Basic Current / Savings / Current Account RM0.11* RM0.11*

Note: *The fees/charges are inclusive of 6% GST where applicable, starting 1 April 2015

ATM

Account type First 2 transactions of the month Subsequent transactions
Basic Savings / Basic Current / Savings / Current Account RM0.32* RM0.32*

Note: *The fees/charges are inclusive of 6% GST where applicable, starting 1 April 2015

 

List of Participating Financial Institutions/ Banks

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

 

Click here to view latest IBG information.

Click here to view the User Manual IBG via ATM channel

 

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