Wednesday, 18 October 2017,   27 Muharram 1439H
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DISCLOSURE REQUIREMENTS FOR E-PAYMENT SERVICES AND FEES

 


 

Businesses  /  Individuals

 


Businesses

 

Intrabank Funds Transfer

Items Channels
BSNeBiz Mobile banking ATM Over-the-Counter / Manual / Diskette
Fees and Charges (RM per transaction)    
  Government

Please refer:
http://www.mybsn.com.my/content.xhtml?contentId=162

Not Available Not Available 10.00 (via letter of instruction)
  Non-Government Not Available Not Available 10.00 (via letter of instruction)
Daily transaction limit (RM per day)    
  Government No Limit Not Available Not Available  No Limit
  Non-Government No Limit Not Available Not Available No Limit
Payment reference    
(i) Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement
YES Not Available Not Available Not Available
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement YES Not Available Not Available Not Available
Operating hours

7.00 am - 11.00 pm
(cut-time for uploading - 6.30 pm daily)
365 days

Not Available Not Available Not Available
Crediting time         
(i) Monday - Friday T+1 Not Available Not Available Immediate
(ii) Non-business days T+1 Not Available Not Available Not Available
Refund time   Real Time if account number is invalid Not Available Not Available Real Time if account number is invalid

1For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

Interbank GIRO (IBG)

Items Channels
BSNeBiz Mobile banking ATM Over-the-Counter / Manual / Diskette
Fees and Charges
(RM per transaction)
       
  Government Please refer:
http://www.mybsn.com.my/content.xhtml?contentId=162
Not Available Not Available Free
  Non-Government Not Available Not Available

Cash - 2.00

Transfer:
0.50 ( First 2 Transactions)
2.00 ( Third Transaction in the same month)

Daily transaction limit
(RM per day)
       
  Government 1 Million Not Available Not Available  < 100k
  Non-Government 1 Million Not Available Not Available < 100k
Payment reference        
(i) Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement
YES Not Available Not Available YES
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement YES Not Available Not Available YES
Operating hours 7.00 am - 11.00 pm
(cut-time for uploading - 6.30 pm daily)
365 days
Not Available Not Available

Klang Valley
9.00 am - 4.30 pm
(Mon-Friday)

East Coast / Johor
9.00 am - 4.30 pm
(Sun-Thu)

Crediting Time        
(i) Monday - Friday Next business day Not Available Not Available IBG Window (table below)
(ii) Non-business days Next business day     Next business day
* Subject to receiving banks processing time
  Refund Time T+2 Not Available Not Available  
 For all channels

 

IBG Window made at OTC
*Under normal circumstances

Payment Initiated by Customers *Funds Received by Beneficiaries *Refund for Unsuccessful Transactions
Business Days
(Monday – Friday)   

Before 5:00 am

Same business day    By 11:00 am By 5:00 pm
5:01 am to 8:00 am By 2:00 pm By 8:20 pm
8:01 am to 11:00 am By 5:00 pm By 11:00 pm
11:01 am to 2:00 pm By 8:20 pm By 11:00 am, next business day
2:01 pm to 5:00 pm By 11:00 pm
After 5:00 pm Next business day By 11.00 am By 5.00 pm
Non-Business Days
(Saturday, Sunday and Federal Territory Public Holidays)
 
Next business day  By 11:00 am By 5:00 pm

 

IBG Window made at ATM 
*Under normal circumstances

Payment Initiated by Customers *Funds Received by Beneficiaries *Refund for Unsuccessful Transactions
Business Days
(Monday – Friday)   

Before 5:00 am

Same business day    By 11:00 am By 5:00 pm
5:01 am to 8:00 am By 2:00 pm By 8:20 pm
8:01 am to 11:00 am By 5:00 pm By 11:00 pm
11:01 am to 2:00 pm By 8:20 pm By 11:00 am, next business day
2:01 pm to 5:00 pm By 11:00 pm
After 5:00 pm Next business day By 11.00 am By 5.00 pm
Non-Business Days
(Saturday, Sunday and Federal Territory Public Holidays)
 
Next business day  By 11:00 am By 5.00 pm

 

1For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

Instant Interbank Funds Transfer (IBFT)   

Items Channels
Internet banking Mobile banking ATM
Fees and Charges
(RM per transaction)
     
  Sole-proprietors, partnership and SME1 Not offering Not offering 0.53
  Other corporates Not offering Not offering included GST
Daily transaction limit (RM per day)      
  Sole-proprietors, partnership and SME1 Not offering 10,000 combined limit with cash withdrawals
  Other corporates
Payment reference      
(i) Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement
N/A N/A NO
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement N/A N/A NO
         
Operating hours Not applicable N/A 1.45 am - 12.00 pm
   For all channels
Crediting time       
(i) Monday - Friday Immediate Immediate Immediate
(ii) Non-business days Immediate Immediate Immediate
Refund time  Real time if account number is invalid

1For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

RENTAS

Items Channels
Internet banking Mobile banking Over-the-counter (OTC)
Fees and Charges (RM per transaction)      
  Sole-proprietors, partnership
and SME1
Not offering Not offering 5.00
  Other corporates Not offering Not offering  
Payment reference      
(i) Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement
Not applicable Not applicable YES
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement Not applicable Not applicable YES
Operating hours Not applicable Not applicable Except for Kelantan, Terengganu, Johor, Sabah & Sarawak
9.00 am - 4.45 pm
(Mon- Friday)
        For Kelantan, Terengganu & Johor
9.00 am - 4.45 pm
(Sun - Wednesday)
9.00 am - 4.30 pm
(Thursday)
        For Sabah & Sarawak
8.30 am - 4.15 pm
(Mon- Thursday)
8.30 am - 12.15 pm
1.45 pm - 4.15 pm
(Friday)
   For all channels
Crediting time       
(i) Monday - Friday Immediate Immediate Immediate
(ii) Non-business days Immediate Immediate Immediate
         
Refund time   Same day -Cut off time before 3.30 pm

1For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

Other related fees/charges for online banking (BSNeBiz)

Items Government Sole-proprietors,
partnership and SME & other corporates
Other related charges     
(i) Maintenance / subscription fee NIL NIL
(ii) Security tokens Not applicable Not applicable
(iii) Annual digital certificates Not applicable Not applicable
(v) Notification / SMS Not applicable Not applicable

 

Debit Card

Businesses

Items Standalone domestic debit card Standalone International brand debit card Combo debit card1  
  Domestic  International
Daily point-of-sale transaction limit
(RM per day)
Not applicable Not applicable Not applicable Not applicable
Incentives Not applicable Not applicable NIL

 

 

DISCLOSURE REQUIREMENTS FOR E-PAYMENT SERVICES AND FEES


Businesses  /  Individuals

 


Individuals

 

Intrabank Funds Transfer

Items Channels
MYBSN BSN:SMS ATM Over-the-counter (OTC)
Fees and Charges (RM per transaction)  No Charges No Charges No Charges No Charges 
Daily transaction limit (RM per day) RM10,000 combined limit with interbank funds transfer RM3,000 RM10,000 combined limit with interbank funds transfer Zone/Mini Brch = RM100,000
Main Branch = RM1,000,000
Payment reference        
(i) Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement
YES YES YES YES
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement YES YES YES YES
Operating hours 2.00 am - 12.00 pm N/A 1.45 am - 12.00 pm Except for Kelantan, Terengganu, Johor, Sabah & Sarawak
9.00 am - 4.45 pm
(Mon- Friday)
          For Kelantan, Terengganu & Johor
9.00 am - 4.45 pm
(Sun - Wednesday)
9.00 am - 4.30 pm
(Thursday)
          For Sabah & Sarawak
8.30 am - 4.15 pm
(Mon- Thursday)
8.30 am - 12.15 pm
1.45 pm - 4.15 pm
(Friday)
   For all channels
Crediting time         
(i) Monday - Friday Immediate
(ii) Non-business days
Refund time   Real time if account number is invalid

 

Interbank GIRO (IBG)

Items Channels
Internet banking Mobile banking ATM Over-the-counter (OTC)1
Fees and Charges (RM per transaction) 0.10 N/A 0.10 2.00
Daily transaction limit (RM per day) 10,000 combined limit with intrabank funds transfer N/A 10,000 combined limit with IBFT Main Branch - RM1,000,000
Zone/Mini - RM100,000
 Payment reference        
(i) Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement
YES Not applicable NO YES
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement YES Not applicable NO YES
Future-dated payments YES Not applicable NO NO
Operating hours 2.00 am - 12.00 pm N/A 1.45 am - 12.00 pm Except for Kelantan, Terengganu, Johor, Sabah & Sarawak
9.00 am - 4.45 pm
(Mon- Friday)
          For Kelantan, Terengganu & Johor
9.00 am - 4.45 pm
(Sun - Wednesday)
9.00 am - 4.30 pm
(Thursday)
          For Sabah & Sarawak
8.30 am - 4.15 pm
(Mon- Thursday)
8.30 am - 12.15 pm
1.45 pm - 4.15 pm
(Friday)
  For all channels

 

Refund Time for IBG made at Internet Banking and OTC

Payment Initiated by Customers *Funds Received by Beneficiaries *Refund for Unsuccessful Transactions
Business Days
(Monday – Friday)   

Before 5:00 am

Same business day    By 11:00 am By 5:00 pm
5:01 am to 8:00 am By 2:00 pm By 8:20 pm
8:01 am to 11:00 am By 5:00 pm By 11:00 pm
11:01 am to 2:00 pm By 8:20 pm By 11:00 am, next business day
2:01 pm to 5:00 pm By 11:00 pm
After 5:00 pm Next business day By 11.00 am By 5.00 pm
Non-Business Days
(Saturday, Sunday and Federal Territory Public Holidays)
 
Next business day  By 11:00 am By 5:00 pm

*Under normal circumstances

 

Refund Time for IBG transaction made at ATM 

Payment Initiated by Customers *Funds Received by Beneficiaries *Refund for Unsuccessful Transactions
Business Days
(Monday – Friday)   

Before 5:00 am

Same business day    By 11:00 am By 5:00 pm
5:01 am to 8:00 am By 2:00 pm By 8:20 pm
8:01 am to 11:00 am By 5:00 pm By 11:00 pm
11:01 am to 2:00 pm By 8:20 pm By 11:00 am, next business day
2:01 pm to 5:00 pm By 11:00 pm
After 5:00 pm Next business day By 11.00 am By 5.00 pm
Non-Business Days
(Saturday, Sunday and Federal Territory Public Holidays)
 
Next business day  By 11:00 am By 5.00 pm

*Under normal circumstances

1FOC for senior citizens and the disabled persons

 

Instant Interbank Funds Transfer (IBFT)

Items Channels
Internet banking Mobile banking ATM
Fees and Charges (RM per transaction) Not offering Not offering 0.53 include GST
Daily transaction limit (RM per day) Not offering 10,000 combined limit with IBG/IBFT
Payment reference      
(i) Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement
N/A N/A YES
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement N/A N/A YES
Operating hours N/A N/A 1.45 am - 12.00 pm
    For ATM channels
Crediting time       
(i) Monday - Friday Immediate Immediate
(ii) Non-business days Immediate
Refund time   N/A N/A N/A

 

RENTAS

Items Channels
Internet banking Mobile banking Over-the-counter (OTC)
Fees and Charges (RM per transaction) Not offering Not offering 5.00
Payment reference      
(i) Availibility of payers' names and payment references in beneficiaries' bank statement
payment references in payers' bank statement
NO NO YES
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement NO NO YES
Operating hours Not applicable Not applicable Except for Kelantan, Terengganu, Johor, Sabah & Sarawak
9.00 am - 4.45 pm
(Mon- Friday)
        For Kelantan, Terengganu & Johor
9.00 am - 4.45 pm
(Sun - Wednesday)
9.00 am - 4.30 pm
(Thursday)
        For Sabah & Sarawak
8.30 am - 4.15 pm
(Mon- Thursday)
8.30 am - 12.15 pm
1.45 pm - 4.15 pm
(Friday)
    For Over-the-counter (OTC) channels
Crediting time       
(i) Monday - Friday Immediate Immediate -
(ii) Non-business days Immediate Immediate -

 

Debit Card

Individuals

Items Standalone domestic debit card Standalone International brand debit card  Combo debit card1  
Domestic  International
Daily point-of-sale transaction limit
(RM per day)
Not applicable Not applicable 1,000 Requested
Incentives  Not applicable Not applicable NIL

 

Other related fees/charges for online banking (internet and mobile banking)

Items Sole-proprietors, partnership and SME1
Other related charges   
(i) Maintenance / subscription fee Not applicable
(ii) Security tokens Not applicable
(iii) Annual digital certificates Not applicable
(iv) Salary payment / payroll Not applicable
(v) Notification / SMS RM0.25 per transaction
(vi) Training NIL
Incentives and packages NIL

 

 

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