Disclosure Requirements for E-payment Services and Fees

Intrabank Funds Transfer

Items Channels
Internet Banking Mobile Banking ATM Over the Counter (OTC)
Fees and Charges (RM per Transaction) No Charges No Charges

No Charges

5.30 (via letter of instruction)
Daily transaction limit (RM per day)

30,000 combined limit for Intrabank, IBFT and IBG

To Favourite: 30,000 combined limit for Intrabank, IBFT and IBG

Open transfer: (subset of the RM30,000)
iOS – 2,000
Android – 1,000

10,000 for 3rd party, combined limit with IBFT and cash withdrawal No limit

Payment reference

Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

 

 

YES

 

 

 

 

 

 

 

 

 

YES

 

 

 

 

 

 

 

 

 

 

YES

 

 

 

 

 

 

 

 

 

 

N/A

 

 

 

 

 

 

 

 

Operating hours

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

Klang Valley/Johor Bahru:
9:15 am - 4:30 pm
(Mon - Thur)

9:15 am - 4:00 pm (Fri)

East Coast: 9:15 am - 4:30 pm (Sun - Wed)

9:15 am - 4:00 pm (Thur)

Crediting Time For all channels

Monday - Friday

Non-Business Days

Immediate

Immediate

Refund Time Real-time if account number is valid

Note: The fees and charges listed above are inclusive of Goods and Services Tax (GST), where applicable.

Instant Interbank Funds Transfer (IBFT)

Items Channels
Internet Banking Mobile Banking ATM
Fees and Charges (RM per Transaction) 2.00 2.00 0.53
Daily transaction limit (RM per day)

30,000 combined limit for Intrabank, IBFT and IBG

To Favourite: 30,000 combined limit for Intrabank, IBFT and IBG

Open transfer: (subset of the RM30,000)
iOS – 2,000
Android – 1,000

10,000 for 3rd party, combined limit with IBFT and cash withdrawal

Payment reference

Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

                

 

                YES

                

 

                 YES

                       

 

                 YES

Operating hours

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

Crediting Time For all channels

Monday - Friday

Non-Business Days

Immediate

Immediate

Refund Time Real-time if account number is valid

Note: The fees and charges listed above are inclusive of Goods and Services Tax (GST), where applicable.

Interbank GIRO (IBG)

Items Channels
Internet Banking Mobile Banking ATM Over the Counter (OTC)
Fees and Charges (RM per Transaction) 0.11 0.11 0.11 2.12
Daily transaction limit (RM per day)

30,000 combined limit for Intrabank, IBFT and IBG

To Favourite: 30,000 combined limit for Intrabank, IBFT and IBG

Open transfer: (subset of the RM30,000)
iOS – 2,000
Android – 1,000

10,000

No limit

Payment reference

Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

 

YES

 

 

 

YES

 

 

 

YES

 

 

 

N/A

 

 

Future-dated payments YES YES NO NO
Operating hours

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

24 hours 

(Maintenance time: 11:55 pm until 12:10 am)

Klang Valley/Johor Bahru:
9:15 am - 4:30 pm
(Mon - Thur)

9:15 am - 4:00 pm (Fri)

East Coast: 9:15 am - 4:30 pm (Sun - Wed)

9:15 am - 4:00 pm (Thur)

Crediting Time For all channels
Monday - Friday  
Before 5:00 am By 11:00am, same day

5:01 am - 8:00 am

By 2:00pm, same day
8:01 am - 11:00 am By 5:00 pm, same day
11:01 am - 2:00 pm By 8:20 pm, same day
2:01 pm - 5:00 pm By 11:00 pm, same day
After 5:00 pm By 11:00am,
next business day
Anytime Saturday, Sunday, Federal Territory Public Holiday By 11:00am,
next business day
Refund Time

Refund by 10:30 am the next business day for funds transferred before 12:30 pm

Refund two business days later for funds transferred after 12:30 pm

Note: The fees and charges listed above are inclusive of Goods and Services Tax (GST), where applicable.

Rentas

Items Channels
Online Banking Mobile Banking Over-the-counter (OTC)
Fees and Charges (RM per Transaction) Not offering Not offering 5.30
Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details
 

 

N/A

 

N/A

 

N/A

 

N/A

 

N/A

 

N/A

Operating hours

N/A

N/A

Klang Valley/Johor Bahru

9:15 am - 4:30 pm (Mon-Thur)

9:15 am - 4:00 pm (Fri)

East Coast

9:15 am - 4:30 pm (Sun-Wed)

9:15 am - 4:00 pm (Thur)

Crediting Time For over-the-counter (OTC) only

Monday - Friday

 

Non-Business Days

Same day - cut off time before 3:30 pm

 

Not available

 

Other related fees/charges for Online Banking (Internet and Mobile Banking)

Items Charges
Maintenance / subscription fee N/A
Annual digital  N/A
Salary payment / payroll N/A
Notification / SMS Available upon customer’s request (RM0.21 per transaction)
Training certificatesN/A
Incentives and Packages N/A

Note: The fees and charges listed above are inclusive of Goods and Services Tax (GST), where applicable.

Debit Card

Items Standalone domestic debit card Standalone International brand debit card Combo debit card1
Domestic International
Daily point-of-sale transaction limit (RM per day) 5,000 Not offering Up to 10,000
Incentives NIL NIL Rewards: 1 point for every RM2 spent

1 Cards with both domestic debit and international debit schemes

Foreign Currency Current Account

Items Channels
Internet Banking Mobile Banking ATM
Fees and Charges (RM per transaction) USD2.12 -

Local 1.06

LIFBs - 4.24

Daily transaction limit (RM per day) 30,000 combined limit for Intrabank, IBFT and IBG

To Favourite: 30,000 combined limit for Intrabank, IBFT and IBG

Open transfer: (subset of the RM30,000)
iOS – 2,000
Android – 1,000

5,000 for 3rd party, combined limit with IBFT and cash withdrawal

Payment reference

Availability of:
- Beneficiary/Sender name
- Recipient Reference
- Other Payment Details

 

YES

 

 

 

YES

 

 

 

YES

 

Operating hours 24 hours (Maintanence time: 11:55 pm until 12:10 am) 24 hours (Maintanence time: 11:55 pm until 12:10 am) 24 hours (Maintanence time: 11:55 pm until 12:10 am)
Crediting time For all channels

Monday - Friday

Non-business days

Immediate

Immediate

Refund time

Refund by 10.30 am the next business day for funds transferred before 12:30 pm

Refund two business days later for funds transferred after 12:30 pm

Note: The fees and charges listed above are inclusive of Goods and Services Tax (GST), where applicable.

Cheque and Current Account Services

Items Charges (RM) Effective Date
Fee per cheque issued RM0.68* 2 Jan 2015

*Comprises RM0.15 stamp duty per cheque leaf & RM0.53 processing fee on each cheque issued starting 2nd January 2015

Note: The fees and charges listed above are inclusive of Goods and Services Tax (GST), where applicable.

Conventional Current Accounts

Type of Accounts (RM) Interest rate/profit rate (% per annum)

Prime Current Account

First 5,000

Next 5,001 to 50,000

Next 50,001 to 100,000

Next 100,001 to 500,000

Above 500,000

 

0.00

0.60

1.20

1.60

2.00

 

Flagship Current Account

First 5,000

Next 5,001 to 10,000

Next 10,001 to 100,000

Above 100,000

 

0.00

0.05

0.10

0.50

MaxPlus 2 in 1 Current Account

Up to 5,000

Up to 10,000

Up to 100,000

Above 100,000

 

0.00

0.05

0.10

0.50

Money Multiplier Current Account

Up to 10,000

Above 10,000

 

0.00

2.50

CIMB Preferred Current Account

First 20,000

Next 20,001 to 100,000

Above 100,000

 

0.00

1.80

2.25

Islamic Current Accounts-i

Type of accounts I*Hibah / Net Profit Rate

Current Account-i

Wadiah Basic CA-i

 

Rates are determined on a monthly basis

Current Account-i

Home Flexi Mudharabah (Special Mudharabah CA-i)

 

Rates are determined on a profit sharing ratio

CA-i Private Banking (previously known as High Yield CA-i)

Up to RM5,000

Above RM5,000

 

 

Rates are determined on a monthly basis

Rates are determined on a monthly basis

Current Account-i for CIMB Preferred

Up to RM20,000

Up to RM100,000

Above 100,000

 

Rates are determined on a monthly basis

Rates are determined on a monthly basis

Rates are determined on a monthly basis