Transfer Fund to Other Banks

How do I perform an Interbank GIRO (IBG)?

Please follow the steps listed below:

  1. Select 'Fund Transfer'
  2. Click on 'Other Bank Account'
  3. Select 'Interbank GIRO'
  4. Click on To 'Other Account' or To 'Favourite Account'
  5. Fill in all the required details and click 'Next'
  6. Verify the details and authenticate using PB SecureSign / SecureSign Token.
How do I perform a DuitNow Transfer?

Please follow the steps listed below:

  1. Select 'Fund Transfer'
  2. Click on 'DuitNow Transfer'
  3. Click on To 'Other Account' or To 'Favourite Account'
  4. Fill in all the required details and acknowledge the Terms and Conditions
  5. Verify the details and authenticate using PB SecureSign / SecureSign Token.
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)

 

  • 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).
  • 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 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).
View Participating Banks
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. 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: 
View Participating 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.