Personal Banking

Personal Banking

Banking Hours:  
All States, except Kelantan & Terengganu
(Monday to Friday)
Kelantan & Terengganu
(Sunday to Thursday)
9.30 a.m. to 4.00 p.m. 9.30 a.m. to 4.00 p.m.

Self Service Terminals

 

ATMs, CDMs, CDTs & CRMs Operation Hours

24 hours

 

Funds Transfer to PB Account
No Item Channel
Internet Banking ATM Over-the-counter (OTC)
(1) Fees and Charges (RM per transaction) NIL NIL NIL
(2) Daily transaction limit (RM per day) 

RM20,000-00 (with PAC)*
RM50,000-00 (with SecureSign)**

RM10,000-00 combined limit with Instant Transfer (IBFT), Interbank GIRO (IBG) and Intrabank Fund Transfer, prepaid reload purchase, cash withdrawal and e-Debit# No limit
(3) Payment reference
 
     
  (i) "Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement"
Yes Yes Yes
  (ii) Availibility of beneficiaries' names and payment references in payers' bank statement Yes Yes Yes
(4) Operating hours 24 hours 24 hours Banking hours
(5) Crediting time For all channels
  (i) Monday - Friday Immediate Immediate Immediate
  (ii) Non-business days Immediate Immediate Not Applicable
(6) Refund time Not Applicable Not Applicable Not Applicable

 

Interbank GIRO (IBG)
No Item Channel
Internet Banking ATM Over-the-counter(OTC)
(1) Fees and Charges (RM per transaction) RM0-11 per transaction RM0-32 per transaction RM2-12 per transaction
(2) Daily transaction limit (RM per day)

RM20,000-00 (with PAC)*
RM50,000-00 (with SecureSign)**

RM10,000-00 combined limit with Instant Transfer (IBFT), Interbank GIRO (IBG) and Intrabank Fund Transfer, prepaid reload purchase, cash withdrawal and e-Debit# RM1,000,000-00
(3) Payment reference
 
     
  (i) "Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement"
Yes Yes Yes
  (ii) Availibility of beneficiaries' names and payment references in payers' bank statement Yes Yes Yes
(4) Future-dated payments Yes No No
(5) Operating hours 24 hours 24 hours Banking hours
(6) Crediting time  
  (i) Monday - Friday For all channels
  Before 5:00 a.m. Same business day by 11:00 a.m.
  5:01 a.m. to 8:00 a.m. Same business day by 2:00 p.m.
  8:01 a.m. to 11:00 a.m. Same business day by 5:00 p.m.
  11:01 a.m. to 2:00 p.m. Same business day by 8:20 p.m.
  2:01 p.m to 5:00 p.m.

Same business day by 11:00 p.m.

  After 5:00 p.m.

Next business day by 11:00 a.m.

  (ii) Non-business days Next business day by 11:00 a.m. Not Applicable
(7) Refund time  
  (i) Monday - Friday For all channels
  Before 5:00 a.m. Same business day by 5:00 p.m.
  5:01 a.m. to 8:00 a.m. Same business day by 8:20 p.m.
  8:01 a.m. to 11:00 a.m. Same business day 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.
  (ii) Non-business days Next business day by 11:00 a.m. Not Applicable
      FOC for senior citizens and disabled persons

 

Instant Transfer (IBFT)
No Item Channel
Internet Banking ATM
(1) Fees and Charges (RM per transaction) RM0-53 per transaction RM0-53 per transaction
(2) Daily transaction limit (RM per day)

RM20,000-00 (with PAC)*
RM50,000-00 (with SecureSign)**

RM10,000-00 combined limit with Instant Transfer (IBFT), Interbank GIRO (IBG) and Intrabank Fund Transfer, prepaid reload purchase, cash withdrawal and e-Debit#
(3) Payment reference
 
   
  (i) "Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement"
Yes Yes
  (ii) Availibility of beneficiaries' names and payment references in payers' bank statement Yes Yes
(4) Operating hours 24 hours 24 hours
(5) Crediting time For all channels  
  (i) Monday - Friday Immediate Immediate
  (ii) Non-business days Immediate Immediate
(6) Refund time Not Applicable Not Applicable

 

RENTAS
No Item Channel
Internet Banking Over-the-counter (OTC)
(1) Fees and Charges (RM per transaction) RM2-12 per transaction RM5-30 per transaction
(2) Daily transaction limit (RM per day) RM20,000-00 (with PAC)*
RM50,000-00 (with SecureSign)**
Minimum RM10,000-00 per transaction
(3) Payment reference
 
   
  (i) "Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement"
No No
  (ii) Availibility of beneficiaries' names and payment references in payers' bank statement No No
(4) Operating hours 9:30 a.m. to 3 p.m. Banking hours
(5) Crediting time For all channels
  (i) Monday - Friday Same business day Same business day
  (ii) Non-business days Not Applicable Not Applicable
(6) Refund time Same business day Same business 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 daily fund transfer limit with the use of PAC SMS is up to a maximum of RM20,000-00. However, there is a RM10,000-00 limit per transaction for PAC SMS.

** The daily fund transfer limit with the use of SecureSign Token is up to a maximum of RM50,000-00. However, the token is required for all transactions regardless of amount.

 

FPX / PayNet Direct Debit
No Item FPX
 
Interbank Direct Debit
(1) Fees and Charges (RM per transaction) Between RM0-00 to RM5-30
Between RM0-00 to RM3-18
(2) Merchants
  • AirAsia Berhad
  • Amway (M) Sdn Bhd
  • Bahagian Kawalan Filem (BKF)
  • BuyTickets Sdn Bhd
  • CH Mobiweb Services
  • Etiqa Takaful Berhad (Formerly knowns as Takaful Nasional Sdn Bhd)
  • Ikram Education Sdn Bhd
  • Jaring Reload PIN
  • Jabatan Pendaftaran Pertubuhan Malaysia (ROS)
  • JF Apex Securities Bhd
  • Kenanga Investor Bhd (formerly known as ING Funds Bhd)
  • Lembaga Hasil Dalam Negeri (LHDN)
  • Lonpac Insurance Bhd
  • Measat Broadcast Network System Sdn Bhd (ASTRO)
  • Miri Port Authority (MPA)
  • MOL AccessPortal Bhd
  • MYCNX Holdings (M) Sdn Bhd
  • MyEG Services Bhd
  • Pan Malaysian Pools Sdn Bhd (PMP)
  • Pembangunan Sumber Manusia Berhad (PSMB)
  • Public Mutual Bhd (PMB)
  • SCP Parking Sdn Bhd
  • Star Publications (M) Bhd
  • UCSI Education Sdn Bhd
  • Universiti Tunku Abdul Rahman (UTAR)
  • AIA PUBLIC Takaful Berhad (formerly known as ING Public Takaful Ehsan Berhad)
  • Allianz Life Insurance Malaysia Berhad
  • Exertainment Malaysia Sdn Bhd
  • GHL Payment Sdn Bhd
  • GHL Transact Sdn Bhd
  • IHM Sdn Bhd
  • Kenanga Investor Bhd (formerly known as ING Funds Bhd)
  • Nature Environment Products Sdn Bhd (formerly known as NEP Diamond Marketing Sdn Bhd)
  • Nu Skin (M) Sdn Bhd
  • Telekom Malaysia Bhd
  • Perabot Hong Fong
 
Other related fees/charges for online banking (internet and mobile banking)  
No Item RM
(1) Fees and Charges (RM per transaction)  
  (i) Maintenance / subscription fee NIL
  (ii) Security tokens NIL
       - Device RM53-00 per token* (one time charge)
       - Monthly Support & Maintenance Fee RM21-20 per corporation*
  (iii) Salary payment / payroll NIL
  (iv) Notification / SMS RM0-21 per transaction
  (v) Training NIL
(2) Incentives and packages
 
NIL

* Waived effective 1 October 2014

Debit Card
No Item Standalone domestic debit card   Standalone International brand debit card   Combo debit card1
        Domestic   International  
(1) Daily point-of-sale transaction limit (RM per day) RM10,000-00 per day RM10,000-00 per day Default RM2,000-00 per day
Max RM10,000-00 per day
(2) Incentives NIL NIL NIL
         
1Cards with both domestic debit and international debit schemes

 

Cheque and Current Account Services
  RM Effective date
Fee per cheque issued   RM0-53 1st April 2015  
  Type of accounts Interest rate/profit rate (% per annum)
Interest rate/profit rate of current accounts Basic   NIL
  Normal NIL
  Premium (for Individual only) 0.2% to 2.0%

For more information on E-payment Services and Fees, please click here.