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FAQs

How do I perform an Interbank GIRO (IBG)?

How do I perform a DuitNow Transfer?

What is the daily third party fund transfer limit?

To PBB accounts

Fund Transfer	PBe Personal Banking (Individual/Joint/Sole Proprietor)
To own account	Unlimited
To other accounts	RM50,000 (with PB SecureSign¹ or SecureSign Token²)

To other bank accounts

Fund Transfer	PBe Personal Banking (Individual/Joint/Sole Proprietor)
Interbank GIRO (IBG)	RM50,000 (with PB SecureSign¹ or SecureSign Token²)
DuitNow Transfer	RM50,000 (with PB SecureSign¹ or SecureSign Token²)

¹ The daily fund transfer limit can be maintained online at Profile Maintenance/Manage Profile/Change Limit/Change Daily Limit up to a maximum of RM50,000.00. Single transaction limit is up to RM10,000 with PB SecureSign (Push Notification); single transaction limit is up to RM50,000 with PB SecureSign (SecurePAC).

²The daily fund transfer limit can be maintained online at Profile Maintenance/Manage Profile/Change Limit/Change Daily Limit up to a maximum of RM50,000.00. Single transaction limit is up to RM50,000 with SecureSign Token.

When will the funds be made available at the beneficiary's account if I transfer using Interbank GIRO (IBG)?

The funds will be available in the Beneficiary's account at the following times:

Payment Initiated by Customers via PBe		*Funds Received by Beneficiaries
Business Days (Monday – Friday)	Before 5:00 a.m.	Same business day	By 11:00 a.m.
	5:01 a.m. to 8:00 a.m.		By 2:00 p.m.
	8:01 a.m. to 11:00 a.m.		By 5:00 p.m.
	11:01 a.m. to 2:00 p.m.		By 8:20 p.m.
	2:01 p.m to 5:00 p.m.		By 11:00 p.m.
	After 5:00 p.m.	Next business day	By 11:00 a.m.
Non-Business Days (Saturday, Sunday and Federal Territory Public Holiday)		Next business day	By 11:00 a.m.

Applicable for all IBG payments and funds transfer to Current Accounts and Savings Accounts.
For loan and credit card payments initiated up to and including 5:00 p.m. on Business Days, funds will be available in the beneficiary’s account before 12:00 midnight on the same day.

* Under normal circumstances

To which Bank can I perform Interbank GIRO (IBG) fund transfer to?

You can make fund transfers to banks participating in the InterBank GIRO System (IBG).

Financial Institutions	Savings/ Current	Loan	Hire Purchase	Credit Card	BIC Code
Account No. Length (no. of digits)
Affin Bank Berhad	Yes (12)	Yes (12)	Yes (12)	Yes (16)	PHBMMYKL
Affin Islamic Bank Berhad	Yes (12)	Yes (12)	Yes (12)	-	AIBBMYKL
Agrobank Berhad	Savings Account Only (16)	Yes (17)	-	-	AGOBMYK1
Alliance Bank Malaysia Berhad	Yes (15)	Yes (15)	Yes (15)	Yes (16)	MFBBMYKL
Alliance Islamic Bank Malaysia Berhad	Yes (15)	Yes (15)	Yes (15)	-	ALSRMYK1
Al-Rajhi Bank (Malaysia) Berhad	Yes (15)	-	-	Yes (16) (Al-Rajhi Charge Card)	RJHIMYKL
AmBank (M) Berhad	Yes (13)	Yes (14)	Yes (14)	Yes (16) (Ambank Credit Card & MBFLOC by Ambank only)	ARBKMYKL
AmIslamic Bank (M) Berhad	Yes (13)	Yes (13-14)	Yes (14)	Yes (16) (Ambank Credit Card)	AISLMYKL
Bangkok Bank Berhad	Yes (13)	-	-	-	BKKBMYKL
Bank Islam Malaysia Berhad	Yes (14)	Yes (14)	Yes (14)	Yes (16)	BIMBMYKL
Bank Kerjasama Rakyat Malaysia Berhad	Yes (12)	Yes (12)	Yes (12)	MasterCard Only (16)	BKRMMYKL
Bank Muamalat (Malaysia) Berhad	Yes (14)	Yes (14 & 17)	Yes (14 & 17)	-	BMMBMYKL
Bank of America (Malaysia) Berhad	Yes (5-17)	-	-	-	BOFAMY2X
Bank of China (Malaysia) Berhad	Yes (13 & 15)	-	-	Yes (16)	BKCHMYKL
MUFG Bank (Malaysia) Berhad	Yes (6)	Yes (6)	-	-	BOTKMYKX
Bank Simpanan Nasional Berhad	Savings Account Only (16)	Yes (15)	Yes (15)	Yes (16)	BSNAMYK1
BNP Paribas Malaysia Berhad	Corporate Current Account Only (6-16)	Yes (16)	-	-	BNPAMYKL
China Construction Bank (Malaysia) Berhad	Yes (12)	-	-	-	PCBCMYKL
CIMB Bank Berhad	Yes (10 & 14)	Yes (10,14 & 17)	Yes (10,12 & 17)	Yes (16)	CIBBMYKL
CIMB Islamic Bank Berhad	Yes (10 & 14)	Yes (10,14 & 17)	Yes (10,12 & 17)	-	CTBBMYKL
Citibank Berhad	Personal Savings & Current Account (10); Corporate Current Account: (9-16)	Yes (10-14)	-	Yes (15-16)	CITIMYKL
Deutsche Bank (M) Berhad	Yes (10-17)	Yes (10-14)	-	-	DEUTMYKL
Hong Leong Bank Berhad	Yes (11&13)	Yes (11 & 13)	Yes (11 & 13)	AMEX (15), VISA (16), MasterCard (16)	HLBBMYKL
Hong Leong Islamic Bank Berhad	Yes (11&13)	Yes (11 & 13)	Yes (11 & 13)	-	HLIBMYKL
HSBC Bank Malaysia Berhad	Savings Account (12) Current Account (12,13,14,15,17)	Yes (12)	-	Yes (16)	HBMBMYKL
HSBC Amanah Malaysia Berhad	Savings Account (12) Current Account (12,13,14,15,17)	Yes (12-14)	-	Yes (16)	HMABMYKL
Industrial and Commercial Bank of China (Malaysia) Berhad	Yes (19)	Yes (19)	-	Yes (16)	ICBKMYKL
JP Morgan Chase Bank Berhad	Yes (10-17)	Yes (10-17)	-	-	CHASMYKX
Kuwait Finance House (Malaysia) Berhad	Yes (12)	Yes (12)	Yes(12)	-	KFHOMYKL
Malayan Banking Berhad	Yes (12)	Yes (12)	Yes (12)	MAYBANK AMEX (15), VISA (16), MasterCard (16);	MBBEMYKL
Maybank Islamic Berhad	Yes (12)	Yes (12)	Yes (12)	MAYBANK AMEX (15), VISA (16), MasterCard (16);	MBISMYKL
MBSB Bank Berhad	Yes (16)	Yes (16)	Yes (16)	-	AFBQMYKL
Mizuho Corporate Bank (Malaysia) Berhad	Current Account Only (10)	-	-	-	MHCBMYKA
OCBC Bank (Malaysia) Berhad	Savings Account (10) Current Account (9-17)	Yes (15)	-	Yes (16)	OCBCMYKL
OCBC Al-Amin Bank Berhad	Savings Account (10) Current Account (9-17)	Yes (15)	-	-	OABBMYKL
RHB Bank Berhad	Yes (14)	Yes (14)	Yes (12)	Yes (16)	RHBBMYKL
RHB Islamic Bank Berhad	Yes (14)	Yes (14)	Yes (12)	-	RHBAMYKL
Standard Chartered Bank (Malaysia) Berhad	Personal Savings & Personal Current Account: (12) Corporate Current Account: (5-17)	Yes (8)	-	Yes (16)	SCBLMYKX
Standard Chartered Saadiq (Malaysia) Berhad	Personal Savings & Personal Current Account: (12) Corporate Current Account: (5-17)	Yes (8)	-	-	SCSRMYK1
Sumitomo Mitsui Banking Corporation Malaysia Berhad	Current Account Only (8)	-	-	-	SMBCMYKL
United Overseas Bank (Malaysia) Berhad	Savings Account: (10 & 11) Current Account: (7,9,10,11,12,13,14,17)	Yes (10 & 15)	-	Yes (16)	UOVBMYKL

When will the funds be returned if the receiving financial institution rejects my Interbank GIRO (IBG) transaction?

The funds will be returned to the account at the following times:

Payment Initiated by Customers via PBe		*Funds Returned to Paying Customer
Business Days (Monday – Friday)	Before 5:00 a.m.	Same business day	By 5:00 p.m.
	5:01 a.m. to 8:00 a.m.		By 8:20 p.m.
	8:01 a.m. to 11:00 a.m.		By 11:00 p.m.
	11:01 a.m. to 2:00 p.m.	Next business day	By 11:00 a.m.
	2:01 p.m to 5:00 p.m.	Next business day	By 11:00 a.m.
Non-Business Days (Saturday, Sunday and Federal Territory Public Holiday)		Next business day	By 11:00 a.m.

* Under normal circumstances

To which Financial Institution / eWallet can I perform DuitNow Transfer to?

You can perform DuitNow Transfer to the following Financial Instituitions and eWallets:

No	Financial Instituition / eWallet	Savings/Current	Loan	Credit Card
1.	Affin Bank Berhad	Yes	Yes	Yes
2.	Al Rajhi Banking And Investment Corporation	Yes	Yes	Yes
3.	Alliance Bank Malaysia Berhad	Yes	Yes	Yes
4.	AmBank (M) Berhad	Yes	Yes	Yes
5.	Bank Islam Malaysia Berhad	Yes	Yes	Yes
6.	Bank Kerjasama Rakyat Malaysia Berhad	Yes	Yes	Yes
7.	Bank Muamalat (Malaysia) Berhad	Yes	Yes	Yes
8.	Bank Of America Malaysia Berhad	Yes	-	-
9.	Bank of China (Malaysia) Berhad	Yes	-	-
10.	Bank Pertanian Malaysia Berhad (Agrobank)	Yes	Yes	Yes
11.	Bank Simpanan Nasional Berhad	Yes	Yes	Yes
12.	BigPay	Savings Only	-	-
13.	BNP Paribas (Malaysia) Berhad	Yes	-	-
14.	China Construction Bank (Malaysia) Berhad	Yes	-	-
15.	CIMB Bank Berhad	Yes	Yes	Yes
16.	Citibank Berhad	Yes	Yes	Yes
17.	Deutsche Bank (Malaysia) Berhad	Yes	-	-
18.	Finexus Cards Sdn. Bhd.	Yes	-	-
19.	Hong Leong Bank Berhad	Yes	Yes	Yes
20.	HSBC Bank Malaysia Berhad	Yes	Yes	Yes
21.	Industrial And Commercial Bank of China (ICBC)	Yes	-	-
22.	JP Morgan Chase Bank Berhad	Yes	-	-
23.	Kuwait Finance House (Malaysia) Berhad	Yes	Yes	Yes
24.	Maybank Berhad	Yes	Yes	Yes
25.	MBSB Bank	Yes	Yes	Yes
26.	Mizuho Bank (Malaysia) Berhad	Yes	-	-
27.	MUFG Bank (Malaysia) Bhd	Yes	-	-
28.	OCBC Bank (Malaysia) Berhad	Yes	Yes	Yes
29.	RHB Bank Berhad	Yes	Yes	Yes
30.	Standard Chartered Bank (Malaysia) Berhad	Yes	Yes	Yes
31.	Sumitomo Mitsui Banking Corporation	Yes	-	-
32.	Touch n Go eWallet	Savings Only	-	-
33.	United Overseas Bank (Malaysia) Berhad	Yes	Yes	Yes

Are there any charges for making fund transfers?

Yes. The charges are listed as follows:

Fund Transfer Service	Service Charge per transaction
Interbank Giro (IBG)	Free of Charge (effective 13 June 2018)
DuitNow Transfer	Free of Charge (effective 13 June 2018)
SMS Notification to Beneficiary (Optional)	RM0.20

Note: Charges are levied on each transaction performed, regardless of acceptance by the beneficiary bank.

What are the common account number formats in Public Bank?

Type of Public Bank Accounts	Account number format
Savings/Current/FD Account	10 digit account number
Loan/HP Account	10 digit account number followed by a 5 digit note number
Credit Card Account	16 digit card number

Beneficiary ID / IC No. Type and Length

Beneficiary ID / IC No.	Type and Length (no. of digits)
New IC	Numeric (12)
Old IC	Alphanumeric (8)
Business Registration Number	Alphanumeric (20)
Passport No.	Alphanumeric (20)
Army ID No.	Alphanumeric (20)
Police No.	Alphanumeric (20)

My computer crashed / I got disconnected from the internet in the midst of a transaction. How do I know whether my transaction is affected or not?

You can:

Check your account’s balance from Balance Inquiry, Transaction History or Payment History by logging in PBe with your current PC or another PC
Check your account balance at the nearest ATM.
Contact our PBe Customer Support at 03-2170 8000 on that particular transaction.