Disclosure Requirements for E-payment Services and Fees

Intrabank Funds Transfer

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)

10,000

10,000 for 3rd party, combined limit with IBFT and cash withdrawal No limit

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

 

YES

 

NO (Will be implemented in  2015)

 

YES

 

NO (Will be implemented in  2015)

 

Yes

 

NO (Will be implemented in  2015)

 

N/A

 

N/A

Operating hours

24 hours 

(Maintenance time: 11.55pm until 12.10am)

24 hours 

(Maintenance time: 11.55pm until 12.10am)

24 hours 

(Maintenance time: 11.55pm until 12.10am)

Klang Valley / Johor Bahru: 9.15am - 4.30pm (Mon - Thurs)

9.15am - 4.00pm (Friday)

East Coast: 9.15am - 4.30pm (Sun - Wed)

9.14am - 4.00pm (Thurs)

Crediting Time For all channels

Monday - Friday

Non-Business Days

Immediate

Immediate

Refund Time Real time if account number is valid

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

Instant Interbank Funds Transfer (IBFT)

Items Channels
Internet Banking Mobile Banking ATM
Fees and Charges (RM per Transaction) 2.00 2.00 0.53
Daily transaction limit (RM per day)

10,000

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

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

No

(Will be implemented in Oct 2014)

NO 

No

(Will be implemented in Oct 2014)

NO 

No

(Will be implemented in Oct 2014)

NO 

Operating hours

24 hours 

(Maintenance time: 11.55pm until 12.10am)

24 hours 

(Maintenance time: 11.55pm until 12.10am)

24 hours 

(Maintenance time: 11.55pm until 12.10am)

Crediting Time For all channels

Monday - Friday

Non-Business Days

Immediate

Immediate

Refund Time Real time if account number is valid

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

Interbank GIRO (IBG)

Items Channels
Internet Banking Mobile Banking ATM Over the Counter (OTC)
Fees and Charges (RM per Transaction) 0.11 0.11 0.11 2.12
Daily transaction limit (RM per day)

10,000

10,000

No limit

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

 

YES

NO (Will be implemented in December 2014)

 

YES

NO (Will be implemented in December 2014)

 

YES

 

NO

 

N/A

 

N/A

Future-dated payments YES YES NO NO
Operating hours

24 hours 

(Maintenance time: 11.55pm until 12.10am)

24 hours 

(Maintenance time: 11.55pm until 12.10am)

24 hours 

(Maintenance time: 11.55pm until 12.10am)

Klang Valley / Johor Bahru: 9.15am - 4.30pm (Mon - Thurs)

9.15am - 4.00pm (Friday)

East Coast: 9.15am - 4.30pm (Sun - Wed)

9.14am - 4.00pm (Thurs)

Crediting Time For all channels

1. Monday - Friday

Before 5.00am

5.00am-7.00am

7.01am-9.30am

9.31am-12.30pm

After 12.30pm

2. Non-Business Days

 

Same day by 10.30am

Same day by 1.00pm

Same day by 3.45pm

Same dayby 5.45pm

Next business day by 10.30am

 

Next business day by anytime

Refund Time

Refund by 10.30am the next business day for funds transferred before 12.30pm

Refun two business days later for funds transferred after 12.30pm

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

Rentas

Items Channels
Online 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

9.15am - 4.30pm (Mon-Thurs)

9.15am-4.00pm (Friday)

East Coast

9.15am - 4.30pm (Sun-Wed)

9.15am-4.00pm (Thurs)

Crediting Time For over-the-counter (OTC) only

1. Monday - Friday

 

2. 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
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

1 Cards with both domestic debit and international debit schemes

CIMB Islamic Bank Foreign Currency Current Account-i

Items Channels
Internet Banking Mobile Banking ATM
Fees and Charges (RM per transaction) USD2.12 -

Local 1.06

LIFBs - 4.24

Daily transaction limit (RM per day) 10,000 5,000 for 3rd party, combined limit with IBFT and cash withdrawal

Payment reference

1. Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement

2. Availability of beneficiaries' names and payment references in payers' bank statement

 

YES

 

NO (Will be implemented in 2015)

 

YES

 

NO (Will be implemented in 2015)

YES

 

NO (Will be in 2015)

Operating hours 24 hours (Maintanence time: 11.55pm until 12.10am) 24 hours (Maintanence time: 11.55pm until 12.10am) 24 hours (Maintanence time: 11.55pm until 12.10am)
Crediting time For all channels

Monday-Friday

Non-business days

Immediate

Immediate

Refund time

Refund by 10.30am the next business day for funds transferred before 12.30pm

Refund two business days later for funds transferred after 12.30pm

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

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.