• Telegraphic Transfer

Telegraphic Transfer is the fastest mode of money transfer and is used for payments, in or out of Malaysia.

  • Transfer of funds by telegraph, telex, cable, or SWIFT from a bank to its branch or another bank authorising the payment of funds to a specified account
  • Types of Telegraphic Transfer:-
    • Local Telegraphic Transfer (between CIMB Bank branches and Rentas* interbank).
    • Foreign Telegraphic Transfer (foreign currency).

*Please refer to RENTAS comparative fee tables provided by:

Bank Negara Malaysia
The Association of Banks in Malaysia
Association of Islamic Banking Institutions Malaysia

Terms & Conditions Apply

Products/Items Charges

Telegraphic Transfer
i) Local Fund Transfer

ii) Foreign Fund Transfer (via Telex / Fax / SWIFT)
a) Branch
-Singapore Dollar
-Indonesia Rupiah
-All other currencies

b) Clicks





Inward Telegraphic Transfer/RENTAS from other banks for Credit to CIMB Account. No charge
Inward Telegraphic Transfer from Foreign Banks or Nostro Account Statements for Credit to CIMB Account. RM5
Inward Telegraphic Transfer for Credit to Other Bank Customer's Account via Banker's Cheque. RM5.15 (Inclusive stamp duty)
Inward Telegraphic Transfer for Credit to Other Bank Customer's Account via RENTAS. RM9

Frequently Asked Questions

Is there a minimum and maximum transaction limit for Foreign TT transactions?

The minimum amount required for processing a foreign TT transaction is an amount equivalent to RM250. For Foreign TT transactions submitted via Clicks, there will be a daily combined maximum limit of value equivalent to RM10,000.  There will be no maximum limit for Foreign TT transactions submitted through Branches.


What are the fees and charges to perform a Foreign TT transaction?

CIMB will charge a transaction fee. Please refer to Telegraphic Transfer for the full list on CIMB transaction fees.

There will also be charges imposed by the agent/third party bank for processing of the transaction and the charges are determined by the agent/third party bank.

For foreign TT instructions via Clicks, the charges will be directly deducted from the amount to be transferred.

For foreign TT instruction submitted through Branches, the sender will have the option to either pay for the agent/third party bank charges upfront (USD & EUR currency only) or  to deduct the charges from the amount to be transferred


What is an IBAN (International Bank Account Number)?

IBAN is a standard way of uniquely identifying an account for the purpose of improving the efficiency and speed of cross-border European Union payments. The length of IBAN can go up to 28 digits starting with a 2-letter country code, specific to each country.


Example of IBAN used in European countries:

Andorra (24 digits) :

AD12 0001 2030 2003 5910 0100

Austria (20 digits) :

AT61 1904 3002 3457 3201

Belgium (16 digits) :

BE68 5390 0754 7034

Cyprus (28 digits) :

CY17 0020 0128 0000 0012 0052 7600

CzechRepublic (24 digits) :

CZ65 0800 0000 1920 0014 5399

Denmark (18 digits) :

DK50 0040 0440 1162 43

Estonia (20 digits) :

EE38 2200 2210 2014 5685

Finland (18 digits) :

FI21 1234 5600 0007 85

France (27 digits) :

FR14 2004 1010 0505 0001 3M02 606

Germany (22 digits) :

DE89 3704 0044 0532 0130 00

Gibraltar (23 digits) :

GI75 NWBK 0000 0000 7099 453

Greece (27 digits) :

GR16 0110 1250 0000 0001 2300 695

Hungary (28 digits) :

HU42 1177 3016 1111 1018 0000 0000

Iceland (26 digits) :

IS14 0159 2600 7654 5510 7303 39

Ireland (22 digits) :

IE29 AIBK 9311 5212 3456 78

Italy (27 digits) :

IT60 X054 2811 1010 0000 0123 456

Latvia (21 digits) :

LV80 BANK 0000 4351 9500 1

Lithuania (20 digits) :

LT12 1000 0111 0100 1000

Luxembourg (20 digits) :

LU28 0019 4006 4475 0000

Netherlands (18 digits) :

NL91 ABNA 0417 1643 00

Norway (15 digits) :

NO93 8601 1117 947

Poland (28 digits) :

PL27 1140 2004 0000 3002 0135 5387

Portugal (25 digits) :

PT50 0002 0123 1234 5678 9015 4

SlovakRepublic (24 digits) :

SK31 1200 0000 1987 4263 7541

Slovenia (19 digits) :

SI56 1910 0000 0123 438

Spain (24 digits) :

ES80 2310 0001 1800 0001 2345

Sweden (24 digits) :

SE35 5000 0000 0549 1000 0003

Switzerland (21 digits) :

CH39 0070 0115 2018 4917 3

United Kingdom (22 digits) :

GB29 NWBK 6016 1331 9268 19

UAE (23 digits)* :

AE47 044 000 00 01123456701


What is the rate used when I perform a Foreign TT transaction?

The prevailing TT Selling rate will be used. To obtain the prevailing TT rate, please refer to https://www.cimbbank.com.my/en/personal/support/help-and-support/rates-and-charges.html?c=rates-and-charges&n=forex-rates








What details do I need to provide when submitting a Foreign TT instruction?

The details required include: Beneficiary’s Name, passport number, address, contact number and the name of the beneficiary bank, address of beneficiary bank, IBAN/BIC, relationship with beneficiary, beneficiary’s Malaysia resident status, and the purpose of payment.


What is a Bank Identifier Code (BIC), SWIFT Code, SORT Code and BSB?

Bank Identifier Codes (BIC) is the unique identification code for a particular bank. These codes are used when transferring money between banks, particularly for international telegraphic transfers. There are different types of BIC format, for example Swift Code and SORT Code.


Example of BIC codes used in different countries include:

Remit Currency

Destination Country

Bank Identifier Codes (BIC) Used









8 to 11



Transit Number



United Kingdom






8 to 11


United States of America

ABA Routing Transit Number





8 to 11




8 to 11








8 to 11




8 to 11


What are the beneficiary reference details and supporting documents required for the Foreign TT to be approved?

Customers and the Bank must comply with the Regulatory requirements when initiating an Outward FTT payment (e.g.: FEA Rules, Statistical Reporting Enforcement Framework and etc.) and the following supporting documents are required for the processing of an Outward FTT payment.


For non-investment foreign currency payments, the following are some of the supporting documents required:


Type of Payments Allowed

Supportive Documents

Beneficiary Reference Details


Between Residents –
a) Offer Letter or Invoice from overseas school/ college/ university
b) Valid Student Pass/ Card (Optional)
c) Indication of fees & living expenses for one year (Optional)

Student ID Number

Employment Abroad

Between Residents – Employer's Letter of Offer or Letter from employer confirming employment, Staff ID, Staff Work Permit etc

Staff ID Number

Payment for Goods & Services

Between Residents – Not Allowed. Requires BNM’s Approval.
Between Resident to Non Resident – Invoices, Bill of Exchange etc

Invoice Number

Payment Between Immediate Family Members like living expenses etc

Between Residents –  Proof of relationship like marriage certificate, birth certificate etc


Payment for Loans Taken By Residents In Malaysia or Abroad

For resident individual, sole proprietor, general partnership - any form of loan agreement, promissory note signed with the individual or letter of offer from the local financial institutions or non-resident. (Resident individual is allowed to borrow up to equivalent of RM10 million from Resident or Non Resident)
For resident entity – any form of agreement or letter of offer from financial institutions

1.       All entities within the group of entities are allowed to borrow up to RM100 million in aggregate from non-resident

2.       From  onshore banks (other than trade lines) up to RM50 million in aggregate per calendar year on a corporate group basis.


Lending by Non Resident To Resident

Loan agreement or any documents evidencing the amount of the loan taken by the resident from a non-resident.  Same restriction as stated in item (5)









Can I cancel the FTT that I've submitted?

You cannot cancel the transactions that have been submitted and processed. However, in the case of an unsuccessful transfer, a resubmission will be treated as a fresh request and remittance charges will be payable.



Who should I call for further enquiries?



+603 6204 7788 (Customer Care Hotline)



Write to

Customer Resolution Unit

P.O. Box 10338,

GPO Kuala Lumpur

50710 Wilayah Persekutuan


How long will it take for the beneficiary to receive the funds?

Foreign TT instructions  are processed on the same day for transactions submitted before 4pm. For requests submitted after 4pm, Saturday, Sunday and Federal Territory Public Holidays, it will be processed on the next Federal Territory working day.

The actual time taken for the beneficiary to receive the money will depend on the respective agent or beneficiary bank.


What happens if the Foreign TT is unsuccessful?

In the event your Foreign TT instruction is rejected by CIMB or the beneficiary bank, the funds will be refunded after deducting all the relevant CIMB charges and also charges by the beneficiary bank (if applicable).  The funds will also be converted to MYR using the prevailing Buying TT Rate at the time the instruction was submitted to the bank.  CIMB shall not be responsible for any consequential loss. Customers are required to re-submit their foreign TT instruction with complete and correct information and may call CIMB Call Centre to enquire for further details.