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 Individual


M Journey Individual Online Banking provides ease of banking services via simple and user friendly internet banking connections.

Services offered:

  • DuitNow
  • Financing Payment
  • Foreign Funds Transfer (FTT)
  • Intrabank Transfer
  • Interbank GIRO (IBG)
  • Instant Transfer
  • JOMPAY
  • Term Deposit Placement & Withdrawal

Provides online access to the most updated account information such as :

  • Account inquiry
  • ATM PIN Change
  • Cheque Management
  • Statement downloading & Printing

Types of Payment Services offered under e-banking:

1) Payment services consists of:

  • Debit card consists of MyDebit and Visa Debit
  • SWIFT

SERVICES/FUNCTIONS NOT AVAILABLE TO CUSTOMER DURING NIGHT MODE

The following are the services/functions not available during night mode (start time of night mode is 12.00am and end time of night mode is 5.00am) for RIB customer:-

  1. Cheque Book Request
  2. Financing Payment
  3. Foreign Telegraphic Transfer (SWIFT) (Note: This would follow market/branch open and close time)
  4. Stop Cheque
  5. TD-i Placement
  6. TD-i Withdrawal
  7. Transaction History for CASA and Financing

SERVICES OPERATING HOURS, LIMITS, FEES AND CHARGES
Description Retail Internet Banking (RIB)
Internet Banking
A. INTRABANK (Within MBSB Bank)
Fees and Charges (RM per transaction) FOC
Daily Transaction Limit (RM per account per day) Resident
  • 1st Party (within own account) - Any Amount
  • 3rd Party (not within own account) - Up to 9,000 of combined limit with IBG, SWIFT, DuitNow and other electronic means except ATM/CRM
Non-Resident
  • Up to 9,000 (1st and/or 3rd Party) of combined limit with IBG, SWIFT, DuitNow and other electronic means except ATM/CRM
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments YES
Operating Hours 24/7 (Except during “Night Mode” for certain transactions. Refer NOTES.)
Crediting Time Business Day: Immediate
Non-Business Day: Immediate
Refund Time for Unsuccessful Transaction NA
B. INTERBANK GIRO (IBG) (To Other Banks Within Malaysia)
Fees and Charges (RM per transaction) FOC
Daily Transaction Limit (RM per account per day) Resident
  • Up to 9,000 (combined limit with Intrabank, SWIFT, DuitNow and other electronic means except ATM/CRM)
Non-Resident
  • Up to 9,000 of combined limit with Intrabank, SWIFT, DuitNow and other electronic means except ATM/CRM
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments YES
Operating Hours 24/7 (Except during “Night Mode” for certain transactions. Refer NOTES.)
Crediting Time
Payment Initiated by Customers *Funds Received by Beneficiaries
Business Days (Monday - Friday) 5:01am - 8:00am Same Business Day By 2:00pm
8:01am - 11:00am By 5:00pm
11:01am - 2:00pm By 8:20pm
2:01pm - 5:00pm By 11.00am
After 5:00pm Next business day By 11.00am
Future Dated Payment 5:01am - 8:00am As per future date selected By 2:00pm
Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11:00am

*Note: If the future dated payment falls on non-business day, it will be processed on the next business day.
Refund Time for Unsuccessful Transaction
Payment Initiated by Customers *Refund for Unsuccessful Transactions
Business Days (Monday - Friday) 5:01am - 8:00am Same Business Day By 8:20pm
8:01am - 11:00am By 11:00pm
11:01am - 2:00pm By 11:00pm, next business day
2:01pm - 5:00pm By 11:00pm, next business day
After 5:00pm Next business day By 5.00pm, next business day
Future Dated Payment 5:01am - 8:00am As per future date selected By 8:20pm
Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11:00pm, next business day
C. INTERBANK RENTAS (To Other Banks Within Malaysia)
Fees and Charges (RM per transaction) (Currently not available as for RIB customers, PayNet’s IBFT platform will cease by the end of 2018 and shall be replaced with the Real Time Retail Payments Platform (RPP) in Q1 2019)
Daily Transaction Limit (RM per account per day)
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively
Future-Dated Payments
Operating Hours
Crediting Time
Refund Time for Unsuccessful Transaction
D. INTERBANK SWIFT (To Other Banks Outside Malaysia)
Fees and Charges (RM per transaction) Outward FTT :Commission: 2.00; Cost of Wire: 30.00
Inward FTT :10.00 flat rate
Daily Transaction Limit (RM per account per day) Resident
  • Up to 9,000 (combined limit with IBG, Intrabank, DuitNow and other electronic means except ATM/CRM)
Non-Resident
  • Up to 9,000 of combined limit with IBG, Intrabank, DuitNow and other electronic means except ATM/CRM
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments NA
Operating Hours 9.00 am – 3.30 pm on business day
(FTT service will not be available on weekend and public holiday / non- business day)
Processing Time Business Day:
9:00 am to 3:30 pm
Non-Business Day:
Next Business Day processing
Refund Time for Unsuccessful Transaction Within 3 Business Days or on best effort basis
E. DuitNow Transaction
Fees and Charges (RM per transaction) FOC
Daily Transaction Limit (RM per account per day) Resident
  • Up to 9,000 (combined limit with IBG, Intrabank, SWIFT and other electronic means except ATM/CRM
Non-Resident
  • Up to 9,000 of combined limit with IBG, Intrabank, DuitNow and other electronic means except ATM/CRM
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments YES
Operating Hours 24/7
Processing Time Business Day:
Immediate
Non-Business Day:
Immediate
Refund Time for Unsuccessful Transaction N/A

Note:

  1. LIMITS ARE BASED ON PAYNET’S PREVAILING REGULATIONS, “BNM FEA DEPARTMENT’S DIRECTION TO FINANCIAL INSTITUTIONS (BNM/RH/CIR 000-2)” DOCUMENT ISSUED ON 28/06/2013 AND SUBJECT TO CHANGES.
  2. FEES AND CHARGES ARE BASED ON “BNM CIRCULAR ON MEASURES TO ACCELERATE THE MIGRATION TO ELECTRONIC PAYMENTS FOR THE BANKING SECTOR” AND SUBJECT TO CHANGES.
  3. DURING "NIGHT MODE" i.e. BETWEEN 12.00AM TO 5.00AM, THE FOLLOWING TRANSACTIONS CANNOT BE PERFORMED:
    Retail Internet Banking (RIB)
    Transaction History for CASA & Financing Products
    Cheque Book Request
    Stop Payment on Cheque
    TD-i Placement
    TD-i Withdrawal
    Payment for Financing Account
    Interbank SWIFT
  4. BUSINESS DAY REFERS TO BUSINESS DAY IN FEDERAL TERRITORY (MONDAY – FRIDAY).
  5. NON-BUSINESS DAY REFERS TO SATURDAY, SUNDAY AND FEDERAL TERRITORY PUBLIC HOLIDAYS.
  6. FOC = FREE OF CHARGE

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