Disclosure Requirements for E-payment Services and Fees

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Items	Channels
Internet Banking	Mobile Banking	ATM	Over the Counter (OTC)
Fees and Charges (RM per Transaction)	No Charges	No Charges	No Charges	5.30 (via letter of instruction)
Daily transaction limit (RM per day)	30,000 combined limit for Intrabank, Instant Transfer and IBG	To Favourite: 30,000 combined limit for Intrabank, Instant Transfer and IBG Open transfer: (subset of the RM30,000) iOS – 2,000 Android – 1,000	10,000 for 3rd party, combined limit with cash withdrawal	No limit
Payment reference Availability of: - Beneficiary/Sender name - Recipient Reference - Other Payment Details	YES	YES	YES	N/A
Operating hours	24 hours (Maintenance time: 11:55 pm until 12:10 am)	24 hours (Maintenance time: 11:55 pm until 12:10 am)	24 hours (Maintenance time: 11:55 pm until 12:10 am)	Klang Valley/Johor Bahru: 9:15 am - 4:30 pm (Mon - Thur) 9:15 am - 4:00 pm (Fri) East Coast: 9:15 am - 4:30 pm (Sun - Wed) 9:15 am - 4:00 pm (Thur)
Crediting Time	For all channels
Monday - Friday Non-Business Days	Immediate Immediate
Refund Time	Real-time if account number is valid

Items

Channels

Internet Banking

Mobile Banking

ATM

Over the Counter (OTC)

Fees and Charges (RM per Transaction)

No Charges

5.30 (via letter of instruction)

Daily transaction limit (RM per day)

30,000 combined limit for Intrabank, Instant Transfer and IBG

To Favourite: 30,000 combined limit for Intrabank, Instant Transfer and IBG

Open transfer: (subset of the RM30,000)
iOS – 2,000
Android – 1,000

10,000 for 3rd party, combined limit with cash withdrawal

No limit

Payment reference

Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

YES

N/A

Operating hours

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

Klang Valley/Johor Bahru:
9:15 am - 4:30 pm
(Mon - Thur)
9:15 am - 4:00 pm (Fri)

East Coast: 9:15 am - 4:30 pm (Sun - Wed)
9:15 am - 4:00 pm (Thur)

Crediting Time

For all channels

Monday - Friday

Non-Business Days

Immediate

Refund Time

Real-time if account number is valid

Items	Channels
Internet Banking	Mobile Banking	ATM
Fees and Charges (RM per Transaction)	No Charges	No Charges	Amount RM5,000 and below - RM0.00 (Free) Amount RM5,000 and above - RM0.50 per transaction
Daily transaction limit (RM per day)	50,000 combined limit for Intrabank, Instant Transfer and IBG	10,000 combined limit for Intrabank, Instant Transfer and IBG	RM30,000
Payment reference Availability of: - Beneficiary/Sender name - Recipient Reference - Other Payment Details	YES	YES	YES
Operating hours	24 hours (Maintenance time: 11:55 pm until 12:10 am)	24 hours (Maintenance time: 11:55 pm until 12:10 am)	24 hours (Maintenance time: 11:55 pm until 12:10 am)
Crediting Time	For all channels
Monday - Friday Non-Business Days	Immediate Immediate
Refund Time	Real-time if account number is valid

Items

Channels

Internet Banking

Mobile Banking

ATM

Fees and Charges (RM per Transaction)

No Charges

Amount RM5,000 and below - RM0.00 (Free)
Amount RM5,000 and above - RM0.50 per transaction

Daily transaction limit (RM per day)

50,000 combined limit for Intrabank, Instant Transfer and IBG

10,000 combined limit for Intrabank, Instant Transfer and IBG

RM30,000

Payment reference

Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

YES

Operating hours

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

Crediting Time

For all channels

Monday - Friday

Non-Business Days

Immediate

Refund Time

Real-time if account number is valid

Items	Channels
Internet Banking	Mobile Banking	ATM	Over the Counter (OTC)
Fees and Charges (RM per Transaction)	No Charges	No Charges	0.10	2.12
Daily transaction limit (RM per day)	50,000 combined limit for Intrabank, Instant Transfer and IBG	10,000 combined limit for Intrabank, Instant Transfer and IBG	10,000	No limit
Payment reference Availability of: - Beneficiary/Sender name - Recipient Reference - Other Payment Details	YES	YES	YES	N/A
Future-dated payments	YES	YES	NO	NO
Operating hours	24 hours (Maintenance time: 11:55 pm until 12:10 am)	24 hours (Maintenance time: 11:55 pm until 12:10 am)	24 hours (Maintenance time: 11:55 pm until 12:10 am)	Klang Valley/Johor Bahru: 9:15 am - 4:30 pm (Mon - Thur) 9:15 am - 4:00 pm (Fri) East Coast: 9:15 am - 4:30 pm (Sun - Wed) 9:15 am - 4:00 pm (Thur)
Crediting Time	For all channels
Monday - Friday
Before 5:00 am	By 11:00am, same day
5:01 am - 8:00 am	By 2:00pm, same day
8:01 am - 11:00 am	By 5:00 pm, same day
11:01 am - 2:00 pm	By 8:20 pm, same day
2:01 pm - 5:00 pm	By 11:00 pm, same day
After 5:00 pm	By 11:00am, next business day
Anytime Saturday, Sunday, Federal Territory Public Holiday	By 11:00am, next business day
Refund Time	Refund by 10:30 am the next business day for funds transferred before 12:30 pm Refund two business days later for funds transferred after 12:30 pm

Items

Channels

Internet Banking

Mobile Banking

ATM

Over the Counter (OTC)

Fees and Charges (RM per Transaction)

No Charges

0.10

2.12

Daily transaction limit (RM per day)

50,000 combined limit for Intrabank, Instant Transfer and IBG

10,000 combined limit for Intrabank, Instant Transfer and IBG

10,000

No limit

Payment reference

Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

YES

N/A

Future-dated payments

YES

Operating hours

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

24 hours

(Maintenance time: 11:55 pm until 12:10 am)

Klang Valley/Johor Bahru:
9:15 am - 4:30 pm
(Mon - Thur)
9:15 am - 4:00 pm (Fri)

East Coast: 9:15 am - 4:30 pm (Sun - Wed)
9:15 am - 4:00 pm (Thur)

Crediting Time

For all channels

Monday - Friday

Before 5:00 am

By 11:00am, same day

5:01 am - 8:00 am

By 2:00pm, same day

8:01 am - 11:00 am

By 5:00 pm, same day

11:01 am - 2:00 pm

By 8:20 pm, same day

2:01 pm - 5:00 pm

By 11:00 pm, same day

After 5:00 pm

By 11:00am,
next business day

Anytime Saturday, Sunday, Federal Territory Public Holiday

By 11:00am,
next business day

Refund Time

Refund by 10:30 am the next business day for funds transferred before 12:30 pm

Refund two business days later for funds transferred after 12:30 pm

Items	Channels
Online Banking	Mobile Banking	Over the Counter (OTC)
Fees and Charges (RM per Transaction)	Not offering	Not offering	5.30
Availability of: - Beneficiary/Sender name - Recipient Reference - Other Payment Details	N/A N/A	N/A N/A	N/A N/A
Operating hours	N/A	N/A	Klang Valley/Johor Bahru: 9:15 am - 4:30 pm (Mon - Thur) 9:15 am - 4:00 pm (Fri) East Coast: 9:15 am - 4:30 pm (Sun - Wed) 9:15 am - 4:00 pm (Thur)
Crediting Time	For over-the-counter (OTC) only
Monday - Friday Non-Business Days	Same day - cut off time before 3:30 pm Not available

Items

Channels

Online Banking

Mobile Banking

Over the Counter (OTC)

Fees and Charges (RM per Transaction)

Not offering

5.30

Availability of:

- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

N/A

Operating hours

N/A

Klang Valley/Johor Bahru:
9:15 am - 4:30 pm
(Mon - Thur)
9:15 am - 4:00 pm (Fri)

East Coast: 9:15 am - 4:30 pm (Sun - Wed)
9:15 am - 4:00 pm (Thur)

Crediting Time

For over-the-counter (OTC) only

Monday - Friday

Non-Business Days

Same day - cut off time before 3:30 pm

Not available

Items	Charges
Maintenance / subscription fee	N/A
Annual digital	N/A
Salary payment / payroll	N/A
Notification / SMS	Available upon customer’s request (RM0.21 per transaction)
Training certificates	N/A
Incentives and Packages	N/A

Items

Charges

Maintenance / subscription fee

N/A

Annual digital

N/A

Salary payment / payroll

N/A

Notification / SMS

Available upon customer’s request (RM0.21 per transaction)

Training certificates

N/A

Incentives and Packages

N/A

Items	Channels
Internet Banking	Mobile Banking	ATM
Fees and Charges (RM per transaction)	USD2.00	-	Local 1.00 LIFBs - 4.00
Daily transaction limit (RM per day)	30,000 combined limit for Intrabank, Instant Transfer and IBG	Not available	5,000 for 3rd party, combined limit with IBFT and cash withdrawal
Payment reference Availability of: - Beneficiary/Sender name - Recipient Reference - Other Payment Details	YES	YES	YES
Operating hours	24 hours (Maintenance time: 11:55 pm until 12:10 am)	24 hours (Maintenance time: 11:55 pm until 12:10 am)	24 hours (Maintenance time: 11:55 pm until 12:10 am)
Monday - Friday Non-business days	Immediate Immediate
Refund time	Refund by 10.30 am the next business day for funds transferred before 12:30 pm Refund two business days later for funds transferred after 12:30 pm

Items

Channels

Internet Banking

Mobile Banking

ATM

Fees and Charges (RM per transaction)

USD2.00

Local 1.00

LIFBs - 4.00

Daily transaction limit (RM per day)

30,000 combined limit for Intrabank, Instant Transfer and IBG

Not available

5,000 for 3rd party, combined limit with IBFT and cash withdrawal

Payment reference

Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

YES

Operating hours

24 hours (Maintenance time: 11:55 pm until 12:10 am)

Monday - Friday

Non-business days

Immediate

Refund time

Refund by 10.30 am the next business day for funds transferred before 12:30 pm

Refund two business days later for funds transferred after 12:30 pm

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Disclosure Requirements for E-payment Services and Fees

Intrabank Funds Transfer

Instant Transfer

Interbank GIRO (IBG)

Rentas

Other related fees/charges for Online Banking (Internet and Mobile Banking)

Foreign Currency Current Account

For More Enquiries

Disclosure Requirements for E-payment Services and Fees

Intrabank Funds Transfer

Instant Transfer

Interbank GIRO (IBG)

Rentas

Other related fees/charges for Online Banking (Internet and Mobile Banking)

Foreign Currency Current Account

For More Enquiries

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