Bank Muamalat 1Malaysia
 
   
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Fees and Charges
Gratuity Financing for Civilian

Goods and Services Tax (GST) - Effective 1 April 2015

The information provided below is exclusive of GST.
Please be informed that with effect from 1 April 2015, the bank’s charges, fees and commissions will be subject to GST where applicable.


e-Payment

Click on the list below to see more e-Payment information:
Individual
Intrabank Funds Transfer


Items

Channels

Internet Banking

Mobile Banking

ATM

Over-the-counter (OTC)

1) Fees and charges (RM per transaction)

NIL

Not Offering

NIL

NIL

2) Daily transaction limit (RM per day)

10,000.00

Not Offering

10,000.00

Unlimited

3) Payment reference

  1. Availibility of payers' names and payment references in beneficiaries' bank statement
  2. Availibility of beneficiaries' names and payment reference in payers' bank statement

 

No

 

No

 

Not Offering

 

Not Offering

 

No

 

No

 

No

 

No

4) Operating hours

6:00 AM-11:59 PM

Not Offering

6:00 AM-11:59 PM

Banking hours

For all channels

5) Crediting time

  1. Monday - Friday
  2. Non-Business days

 

Immediate
Immediate

 

Not Offering
Not Offering

 

6) Refund time

Immediate

Not Offering

 

Interbank GIRO

Items

Channels

Internet Banking

Mobile Banking

ATM

Over-the-counter (OTC)

1) Fees and charges (RM per transaction)

0.11

Not Offering

Not Offering

2.12

2) Daily transaction limit (RM per day)

10,000 combined limit with intrabank funds transfer

Not Offering

Unlimited

3) Payment reference

  1. Availibility of payers' names and payment references in beneficiaries' bank statement
  2. Availibility of beneficiaries' names and payment reference in payers' bank statement

 

No

 

Yes

 

Not Offering

 

Not Offering

 

Not Offering

 

Not Offering

 

Yes

 

No

4) Future-dated payments

Yes

Not Offering

Not Offering

Yes

5) Operating hours

6:00 AM-11:59 PM

Not Offering

Not Offering

Banking hours

For all channels

Before
Payment Initiated by Customers *Funds Received by Beneficiaries
Business Days
(Mon - Fri)

Before 5:00 am

Same business day
By 11:00 am

5:00 am to 8:00 am

By 2:00 pm

8:01 am to 11:00 am

By 5:00 pm

11:01 am to 2:00 pm

By 8:20 pm

2:01 pm to 5:00 pm

By 11:00 pm

After 5.00pm

Next business day
By 11:00 am
Non-Business Days
(Saturday, Sunday and
Federal Territory Public Holidays)
Next business day
By 11:00 am

6) Refund time

Next working day

Nil

 



After (additional column for Refund for Unsuccessful Transaction)

Payment Initiated by Customers

*Funds Received by Beneficiaries

Refund for Unsuccessful Transactions

Business Days
(Mon - Fri)

Before 5:00 am

Same business day

By 11:00 am

By 5.00 PM

5:00 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 5.00pm

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

Instant Interbank Funds Transfer (IBFT)

Items

Channels

Internet Banking

Mobile Banking

ATM

1) Fees and charges (RM per transaction)

0.32 cent

Nil

0.32 cent

2) Daily transaction limit (RM per day)

10,000.00 combined limit with IBG and intrabank funds transfer

10,000.00 combined limit with cash withdrawals

3) Payment reference

  1. Availibility of payers' names and payment references in beneficiaries' bank statement
  2. Availibility of beneficiaries' names and payment reference in payers' bank statement

 

Yes

 

Yes

 

Not Offering

 

Not Offering

 

Yes

 

Yes

4) Operating hours

6:00 AM-11:59 PM

Not Offering

6:00 AM-11:59 PM

For all channels

5) Crediting time

  1. Monday - Friday
  2. Non-Business days

 

Immediate
Immediate

 

Not Offering
Not Offering

 

6) Refund time

Immediate

Not Offering

 

RENTAS

Items

Channels

Internet Banking

Mobile Banking

Over-the counter

1) Fees and charges (RM per transaction)

Not Offering

Not Offering

5.30

2) Payment reference

  1. Availibility of payers' names and payment references in beneficiaries' bank statement
  2. Availibility of beneficiaries' names and payment reference in payers' bank statement

 

Not Offering

 

Not Offering

 

Not Offering

 

Not Offering

 

Yes

 

Yes

3) Operating hours

Not Offering

Not Offering

3:30 PM cut off

For all channels

4) Crediting time

  1. Monday - Friday
  2. Non-Business days

 

Not Offering
Not Offering

 

Not Offering
Not Offering

 

Same day

5) Refund time

Not Offering

Not Offering

 

Financial Process Exchange (FPX) and Interbank Direct Debit

Items

FPX

Interbank Direct Debit

1) Fees and charges (RM per transaction)

NIL

NIL

2) Merchants

NIL

NIL

Other Related Fees/Charges for Online Banking (Internet and Mobile Banking)

Items

FPX

1) Other related charges\

  1. Maintenance / Subscription fee
  2. Security tokens
  3. Annual digital certificates
  4. Salary payment / payroll
  5. Notification / SMS
  6. Training

 

NIL
NIL
NIL
NIL
RM0.21 per transaction
NIL

2) Incentives and packages

NIL



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