FAQs

How do I perform an Interbank GIRO (IBG)?

How do I perform an Instant Transfer?

How do I perform a RENTAS fund transfer?

Please follow the steps listed below:
  1. Click on Fund Transfer
  2. Select RENTAS
  3. Click on To Account or To Favourite Account
  4. Select From Account
  5. Select Beneficiary Bank
  6. Enter Beneficiary Account No
  7. Enter Beneficiary Name
  8. Select Beneficiary ID Type and Enter Beneficiary ID
  9. Enter Payment Reference Number
  10. Enter Payment Details
  11. Enter Transaction Amount and click on Next
  12. Click on "Request PAC Now" button
  13. Enter PAC
  14. Verify details entered and click on Confirm 

What is the daily third party fund transfer limit?

To PBB accounts
Fund Transfer PBe Personal Banking (Individual/Joint/Sole Proprietor) PBe Business Banking
To own account RM100,000.00 Unlimited
To other accounts RM20,000.00 (with PAC)*
RM50,000.00 (with SecureSign)**
RM500,000.00
To other bank accounts
Fund Transfer PBe Personal Banking (Individual/Joint/Sole Proprietor) PBe Business Banking
Interbank GIRO (IBG) RM20,000.00 (with PAC)*
RM50,000.00 (with SecureSign)**
RM500,000.00
Instant Transfer RM20,000.00 (with PAC)*
RM50,000.00 (with SecureSign)**
RM100,000.00
RENTAS With PAC :-
  • Minimum : RM10,000.00
  • Maximum : RM20,000.00 per day*
With SecureSign Token :-
  • Minimum : RM10,000.00
  • Maximum : RM50,000.00 per day**
Minimum RM10,000.00
Maximum RM500,000.00 per day ***

Note:
The daily third party fund transfer limit per customer is shared between all fund transfers performed on the same day to other PBB accounts, Instant Transfer, IBG, RENTAS, Remittance and Western Union.

* The fund transfer limit can be maintained online at Profile Maintenance/Change Daily Transfer Limit up to a maximum of RM20,000.00. Single transaction limit is up to RM10,000 with PAC.

** The daily fund transfer limit can be increased beyond RM20,000.00 to a maximum of RM50,000.00 at any PBB branch. For that, you are required to use a SecureSign token for all transactions, regardless of amount.

*** A SecureSign token is required for all business RENTAS transactions, regardless of amount.

When will the fund be made available at the beneficiary’s account?

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

When will the funds be returned if the Receiving Financial Institution rejects my 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. 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 Bank can I perform RENTAS fund transfer to?

You can perform RENTAS fund transfers to these participating banks :-
No RENTAS Participants BIC Codes
1 Affin Bank PHBMMYKL
2 Affin Hwang Investment Bank Berhad HDSBMY2P
3 Affin Islamic Bank AIBBMYKL
4 Agrobank AGOBMYKL
Agrobank - Spi AGOBMY21
5 Alliance Bank MFBBMYKL
6 Alliance Investment Bank Berhad MBAMMYKL
Alliance Investment Bank Berhad - SPI MBAMMY21
7 Alliance Islamic Bank ALSRMYKL
8 Al-Rajhi Banking & Inv. Corp (M) Berhad RJHIMYKL
9 Ambank Berhad ARBKMYKL
10 Aminvestment Bank Bhd AMMBMYKL
Aminvestment Bank Bhd - SPI AMMBMY21
11 Amislamic Bank Berhad AISLMYKL
12 Bangkok Bank Berhad BKKBMYKL
13 Bank Islam Malaysia Berhad BIMBMYKL
14 Bank Muamalat Malaysia Berhad BMMBMYKL
15 Bank Negara Malaysia BNMAMYKL
16 Bank of America BOFAMY2X
17 Bank of China BKCHMYKL
18 Bank of Tokyo-Mitsubishi UFJ BOTKMYKX
Bank of Tokyo-Mitsubishi UFJ - SPI BOTKMY21
19 Bank Pembangunan PEMBMYK1
Bank Pembangunan - SPI PEMBMY21
20 Bank Rakyat BKRMMYKL
21 Bank Simpanan Nasional BSNAMYK1
Bank Simpanan Nasional - SPI BSNAMY21
22 BNP Paribas BNPAMYKL
BNP Paribas - SPI BNPAMY21
23 Bursa Malaysia Depository MCDSMYK1
24 Bursa (M) Derivatives Clearing Bhd BMDRMYK1
25 Bursa Malaysia Securities Clearing BMSCMYK1
26 Cagamas CAGAMYKL
Cagamas - SPI CAGAMY21
27 China Construction Bank (M) Berhad PCBCMYKL
28 CIMB Bank CIBBMYKL
29 CIMB Investment Bank COIMMYKL
CIMB Investment Bank - SPI COIMMY21
30 CIMB Islamic Bank CTBBMYKL
31 Citibank CITIMYKL
Citibank - SPI CITIMYM1
32 Deutsche Bank DEUTMYKL
Deutsche Bank - SPI DEUTMY21
33 Euroclear MGTCBEBE
34 Exim Bank EXMBMYKL
Exim Bank - SPI EXMBMY21
35 Hong Leong Bank HLBBMYKL
36 Hong Leong Investment Bank Bhd HLIVMYKL
37 Hong Leong Islamic Bank HLIBMYKL
38 HSBC Amanah HMABMYKL
39 HSBC Bank HBMBMYKL
40 India International Bank (M) Berhad IIMBMYKL
41 Industrial & Commercial Bank of China ICBKMYKL
42 JP Morgan Chase Bank CHASMYKX
43 KAF Investment KAFBMYKL
KAF Investment - SPI KAFBMY21
44 Kenanga Investment KKENMYK1
Kenanga Investment - SPI KKENMY21
45 Kumpulan Wang Persaraan Diperbadankan (KWAP) KWAPMYK1
46 Kumpulan Wang Simpanan Pekerja (KWSP) KWSPMYK1
47 Kuwait Finance House KFHOMYKL
48 Malayan Banking Berhad MBBEMYKL
49 Maybank Investment Bank Berhad MBEAMYKL
Maybank Investment Bank Berhad - SPI MBEAMY21
50 Maybank Islamic Bank MBISMYKL
51 MBSB Bank Berhad AFBQMYKL
52 MEPS MEPSMYK1
53 MIDF Amanah Investment MIDFMYK1
MIDF Amanah Investment - SPI MIDFMY21
54 Mizuho Bank (M) Berhad MHCBMYKA
55 National Bank of Abu Dhabi NBADMYKL
56 OCBC Al-Amin Bank Berhad OABBMYKL
57 OCBC Bank OCBCMYKL
58 Public Bank PBBEMYKL
59 Public Investment Bank Bhd SMBBMYK1
60 Public Islamic Bank Berhad PIBEMYK1
61 RHB Bank RHBBMYKL
62 RHB Investment Bank OSKIMYKL
63 RHB Islamic Bank RHBAMYKL
64 SME Bank MSMEMYK1
SME Bank - SPI MSMEMY21
65 Standard Chartered Bank Berhad SCBLMYKX
66 Standard Chartered Saadiq Bank Berhad SCSRMYKK
67 Sumitomo Mitsui Bank SMBCMYKL
68 The Bank of Nova Scotia NOSCMYKL
69 United Overseas Bank UOVBMYKL
UOB Malaysia Berhad - SPI UOVBMY21

To which bank can I transfer funds 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 Banking & Investment Corporation (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 Yes (10) Yes (15) - Yes (16) OCBCMYKL
OCBC Al-Amin Bank Berhad Yes (10) Yes (15) - - OABBMYKL
Public Bank Berhad Yes (10) Yes (15) Yes (15) Yes (16) PBBEMYKL
Public Islamic Bank Berhad Yes (10) Yes (15) Yes (15) - PIBEMYK1
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

To which bank can I make Instant Transfers to?

You can make fund transfers to banks participating in the MEPS Interbank Fund Transfer system.
Financial Institutions Savings/ Current Loan Credit Card
Affin Bank Berhad Yes Yes Yes
Affin Islamic Bank Berhad Yes Yes Yes
Agrobank Yes Yes -
Al-Rajhi Bank Yes Yes Yes
Alliance Bank Malaysia Berhad Yes Yes Yes
Alliance Islamic Bank Malaysia Berhad Yes Yes Yes
AmBank (M) Berhad Yes Yes Yes
AmIslamic Bank (M) Berhad Yes Yes Yes
Bank Kerjasama Rakyat Malaysia Berhad Yes Yes Yes
Bank Islam Malaysia Berhad Yes Yes Yes
Bank Muamalat (Malaysia) Berhad Yes Yes No
Bank Simpanan Nasional Berhad Savings Account Only - -
CIMB Bank Berhad Yes - -
CIMB Islamic Bank Berhad Yes - -
Citibank Berhad Yes Yes Yes
Hong Leong Bank Berhad Yes Yes Yes
Hong Leong Islamic Bank Berhad Yes Yes Yes
HSBC Bank Malaysia Berhad Yes Yes Yes
Kuwait Finance House (Malaysia) Berhad Yes Yes -
Malayan Banking Berhad Yes Yes Yes
Maybank Islamic Berhad Yes Yes Yes
OCBC Bank (Malaysia) Berhad Yes Yes -
Public Bank Berhad Yes Yes Yes
Public Islamic Bank Berhad Yes Yes Yes
RHB Bank Berhad Yes - -
RHB Islamic Bank Berhad Yes - -
Standard Chartered Bank (Malaysia) Berhad Yes Yes -
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)
Instant Transfer Free of Charge (effective 13 June 2018)
RENTAS Fund Transfer RM2.00
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:
  1. Check your account’s balance from Balance Inquiry, Transaction History or Payment History by logging in PBe with your current PC or another PC
  2. Check your account balance at the nearest ATM.
  3. Contact our PBe Customer Support at 03-2179 9999 on that particular transaction.