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) Future-dated 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) Non-business 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) Non-business days Next Business Day By 11.00 am
C. Interbank GIRO (IBG) Product Offering and Structure as of 14 February 2019 Affin Bank 12 12 12 12, 1 Affin Islamic Bank 12 12-12 12 Desktop Banking 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 13-14 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, Desktop Banking, Desktop Banking, Mobile Banking, ATM, Desktop Banking 10 Bank of America 5 to 17 5 to 17 - - -
11 Bank of China 13 & 15 13 & 15 - - 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, 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 ) 9-16- (Corporate ) 10 15-18 Deutsche Bank 10-17 10-17 - 10-14 10-17 - - OTC, Corporate Internet
19 20 21 Hong Leong Bank Hong Leong Islamic Bank HSBC Bank HSBC Amanah Industrial & Commercial Bank of China (ICBC) 11 & 13 11 & 13 12,13,14,15,17 12,13,14,15,17 11 & 13 11 & 13 (Visa/Master) 15 (Amex) - 11 & 13 11 & 13 11 & 13 11 & 13 12 12-12 12 to 14 -, Corporate Desktop 19 19 19 22 JP Morgan Chase 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 Desktop Banking, 12 12 15 (MBB 12 digits 12 Islamic *( only) Cash Management, AMEX Credit Call Center Card) 25 MBSB Bank Berhad - 17 17-26 Mizuho Bank 10 - - - - 27 OCBC Bank 10 10 15 -, Mobile OCBC Al-Amin 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 RHB Islamic Bank 14 14-14 12, ATM 30 31 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 -, Phone Banking 8 - - - - 7,9,10,11,12,13, 14,17 *(subject to confirmation of settlement sum & date) 10 & 11 10 & 15 - BNP Paribas Malaysia Berhad Update : 14 February 2019