Disclosure Requirements for E-Payment Fees and Charges

Intrabank Funds Transfer

Items	Channels
Items	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 Trasfer 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

Instant Transfer

Items	Channels
Items	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

Interbank GIRO (IBG)

Items	Channels
Items	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 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 Anytime Saturday, Sunday, Federal Territory Public Holiday	By 11:00am, same day By 2:00pm, same day By 5:00 pm, same day By 8:20 pm, same day By 11:00 pm, same day By 11:00am, next business day 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

Rentas

Items	Channels
Items	Internet Banking	Mobile Banking	Over the Counter (OTC)
Fees and Charges (RM per Transaction)	Not offering	Not offering	5.30
Payment reference 1. Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement. 2. Availbility of beneficiaries' names and payment references in payers' bank statement	- -	- -	N/A N/A
Operating hours	-	-	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 3.30pm Not available

Other related fees/charges for online banking (internet and mobile banking)

Items	Charges
Payment Reference
1. Maintenance / subscription fee	Not applicable
2. Annual digital certificates	Not applicable
3. Salary payment / payroll	Not applicable
4. Notification / SMS	Available upon customer’s request (RM0.21 per transaction)
5. Training	-
Incentives and Packages	N/A

Note: The fees and charges listed above are stated inclusive of goods and services tax (GST), where applicable.

Debit Card

Items	Standalone domestic debit card	Standalone International brand debit card	Combo debit card¹
Items	Standalone domestic debit card	Standalone International brand debit card	Domestic	International
Daily point-of-sale transaction limit (RM per day)	5,000	Not offering	Up to 10,000
Incentives	NIL	NIL	Rewards: 1 point for every RM2 spent

Note : 1 Cards with both domestic debit and international debit schemes

CIMB Islamic Bank Foreign Currency Current Account-i

Items	Channels
Items	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)
Crediting Time	For all channels
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

Cheque and Current Account Services

Items	Charges (RM)	Effective Date
Fee per cheque issued	RM0.68*	2 Jan 2015

*Comprises RM0.15 stamp duty per cheque leaf & RM0.53 processing fee on each cheque issued starting 2nd January 2015

Note : The fees and charges listed above are stated inclusive of goods and services tax (GST), where applicable.

Conventional Current Accounts

Type of Accounts (RM)	Interest rate/profit rate (% per annum)
Prime Current Account First 5,000 Next 5,001 to 50,000 Next 50,001 to 100,00 Next 100,001 to 500,000 Above 500,000	0.00 0.60 1.20 1.60 2.00
Flagship Current Account First 5,000 Next 5,001 to 10,000 Next 10,001 to 100,000 Above 100,000	0.00 0.05 0.10 0.50
MaxPlus 2 in 1 Current Account Up to 5,000 Up to 10,000 Up to 100,000 Above 100,000	0.00 0.05 0.10 0.50
Money Multiplier Current Account Up to 10,000 Above 10,000	0.00 2.50
CIMB Preferred Current Account First 20,000 Next 20,001 to 100,000 Above 100,000	0.00 1.80 2.25

Type of Accounts (RM)

Interest rate/profit rate (% per annum)

Prime Current Account

First 5,000

Next 5,001 to 50,000

Next 50,001 to 100,00

Next 100,001 to 500,000

Above 500,000

0.00

0.60

1.20

1.60

2.00

Flagship Current Account

First 5,000

Next 5,001 to 10,000

Next 10,001 to 100,000

Above 100,000

0.00

0.05

0.10

0.50

MaxPlus 2 in 1 Current Account

Up to 5,000

Up to 10,000

Up to 100,000

Above 100,000

0.00

0.05

0.10

0.50

Money Multiplier Current Account

Up to 10,000

Above 10,000

0.00

2.50

CIMB Preferred Current Account

First 20,000

Next 20,001 to 100,000

Above 100,000

0.00

1.80

2.25

Islamic Current Accounts-i

Type of Accounts (RM)	Interest rate/profit rate (% per annum)
Current Account-i Wadiah Basic CA-i	Rates are determined on a monthly basis
Current Account-i Home Flexi Mudharabah (Special Mudharabah CA-i)	Rates are determined on a profit sharing ratio
CA-i Private Banking (previously known as High Yield CA-i) Up to RM5,000 Above RM5,000	Rates are determined on a monthly basis Rates are determined on a monthly basis
Current Account-i for CIMB Preferred Up to RM20,000 Up to RM100,000 Above 100,000	Rates are determined on a monthly basis Rates are determined on a monthly basis Rates are determined on a monthly basis

Type of Accounts (RM)

Interest rate/profit rate (% per annum)

Current Account-i

Wadiah Basic CA-i

Rates are determined on a monthly basis

Current Account-i

Home Flexi Mudharabah (Special Mudharabah CA-i)

Rates are determined on a profit sharing ratio

CA-i Private Banking (previously known as High Yield CA-i)

Up to RM5,000

Above RM5,000

Rates are determined on a monthly basis

Current Account-i for CIMB Preferred

Up to RM20,000

Up to RM100,000

Above 100,000

Rates are determined on a monthly basis

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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)

Debit Card

CIMB Islamic Bank Foreign Currency Current Account-i

Cheque and Current Account Services

Conventional Current Accounts

Islamic Current Accounts-i

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