A. Interbank GIRO (IBG) Offering Channel, Transaction Fee, Transaction Limit and Cut Off Time Items Channels Internet Banking Fees and Charges (RM per transaction) Refer to Tariff and Charges table Daily transaction limit (RM per day) Futuredated payments Cut off time 1,000,000.00 per transaction No daily limit YES 5.00pm
B. Interbank GIRO (IBG) Crediting Time and Refund Time for Unsuccessful Transactions Crediting time (i) Monday Friday For All Channels Before 5.00 am Same Business Day By 11.00 am 5.01 am to 8.00 am Same Business Day By 2.00 pm 8.01 am to 11.00 am Same Business Day By 5.00 pm 11.01 am to 2.00 pm Same Business Day By 8.20 pm 2.01 pm to 5.00 pm Same Business Day by 11.00 pm After 05.01 pm Next Business Day By 11.00 am (ii) Nonbusiness days Next Business Day By 11.00 am Refund for Unsuccessful Transactions (i) Monday Friday Before 5.00 am Same Business Day By 5.00 pm 5.01 am to 8.00 am Same Business Day By 8.20 pm 8.01 am to 11.00 am Same Business Day By 11.00 pm 11.01 am to 2.00 pm Next Business Day By 11.00 am 2.01 pm to 5.00 pm Next Business Day By 11.00 am After 05.01 pm Next Business Day By 11.00 am (ii) Nonbusiness days Next Business Day By 11.00 am
C. Interbank GIRO (IBG) Product Offering and Structure as of 23 October 2018 No Bank Settlement Affin Bank 12 12 12 12, 1 Affin Islamic Bank 12 12 12 12 2 Agrobank 17, ATM Alliance Bank 15 15 15 15 3 Alliance Islamic Bank 15 15 15 15 4 5 Al Rajhi Banking & Investment Corporation 15 15 Ambank 13 13 AmIslamic Bank 13 13 ( Al Rajhi Charge Card) ( Ambank Credit Card & MBF LOC by Ambank only) ( Ambank Credit Card ) 14 14 1314 14, Cash Management 6 Bangkok Bank Berhad 13 13 OTC 7 Bank Kerjasama Rakyat Malaysia Berhad 12 12 Master 16 12 12 8 Bank Islam 14 14 14 14 9 Bank Muamalat 14 14 14 & 17 14 & 17, ATM,,, 10 Bank of America 5 to 17 5 to 17 11 Bank of China 13 & 15 13 & 15
No Bank 12 Bank Simpanan Nasional 15 15 13 14 MUFG Bank (Malaysia) Berhad CIMB Bank CIMB Islamic Bank 15 BNP Paribas 16 China Construction Bank (Malaysia) Berhad 17 Citibank Settlement, ATM, Corporate Systems 6 6 6 Internet, OTC 10 and 14 10 and 14 6 to (Corporate ) 10 and 14 10 and 14 10,14 and 17 10,14 and 17 10,12 and 17 10,12 and 17 12 12 10 (Personal ) 916 (Corporate ) 10 15 18 Deutsche Bank 1017 1017 19 Hong Leong Bank Hong Leong Islamic Bank 11 & 13 11 & 13 11 & 13 11 & 13 (Visa/Master) 15 (Amex) 10 14 1017 11 & 13 11 & 13 11 & 13 11 & 13, Corporate Desktop
No Bank 20 21 HSBC Bank HSBC Amanah Industrial & Commercial Bank of China (ICBC) 22 JP Morgan Chase 12,13,14,15,17 12,13,14,15,17 12 12 12 12 to 14 Settlement 19 19 19 10 to 17 10 to 17 10 to 17 Internet 23 Kuwait Financial House 12 12 12 12, ATM 24 (MBB, Visa/Master) Maybank / Maybank, 12 12 15 (MBB 12 digits 12 Islamic *( only) Cash Management, AMEX Credit Call Center Card) 25 MBSB Bank Berhad 17 17 OTC 26 Mizuho Bank 10 27 OCBC Bank 10 10 15, Mobile OCBC AlAmin Bank 10 10 15 Banking 28 Public Bank 10 10 15 15 Public Islamic Bank 10 10 15 15 29 RHB Bank 14 14 14 12, ATM RHB Islamic Bank 14 14 14 12
No 30 31 Bank Standard Chartered Bank Standard Chartered Saadiq Sumitomo Mitsui Banking Corporation 32 United Overseas Bank 12 (Personal ) & 5 to 17 digits ( corporate ) 12 (Personal ) & 5 to 17 digits ( corporate ) 12 8 12 8 Settlemen t, Phone Banking 8 7,9,10,11,12,13, 14,17 10 & 11 10 & 15 *(subject to confirmation of settlement sum & date) BNP Paribas Malaysia Berhad Update : 23 October 2018