E-Payment Services and Fees Schedule: Businesses

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1 E-Payment Services and Fees Schedule: Businesses Intrabank Funds Transfer Sole-proprietors, partnership and SME 1 t offering t offering t offering 2.12 Other corporates 4.41 t offering t offering 4.41 (2) Daily transaction limit (RM per day) Sole-proprietors, partnership and SME 1 limit Other corporates limit NA NA limit payment (4) Operating hours 24 hours NA NA Banking hours (i) Monday - Friday Business hours NA (ii) n-business days NA NA (6) Refund time 1 For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; Interbank GIRO (IBG) Sole-proprietors, partnership and SME 1 t offering t offering t offering 0.32 Other corporates 0.11 t offering t offering (2) Daily transaction limit (RM per day) Sole-proprietors, partnership and SME 1 1,000, Other corporates 1,000, NA NA 1,000, payment (4) Future-dated payments (5) Operating hours 24 hours NA NA Banking hours (6) Payment Initiated by Customers (i) (ii) *Funds Received by Beneficiaries *Refund for Unsuccessful Transactions Business Days (Monday - Friday) Before 5:00 am By 11:00 am By 5:00 am 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 pm 11:01 am to 2:00 pm By 8:20 pm 2:01pm to 5:00 pm By 11:00 pm After 5:00 pm By 5:00 pm, n-business days (Saturday, Sunday and Federal Territory Publlic Holidays) By 11:00am, By 5:00am, 1 For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; * Under normal circumstances Page 1

2 E-Payment Services and Fees Schedule: Businesses Instant Interbank Funds Transfer (IBFT) Sole-proprietors, partnership and SME 1 Other corporates (2) Daily transaction limit (RM per day) Sole-proprietors, partnership and SME 1 Other corporates payment (4) Operating hours (i) Monday - Friday NA NA (ii) n-business days NA NA (6) Refund time NA NA 1 For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; RENTAS Internet banking Mobile banking Sole-proprietors, partnership and SME 1 NA NA 5.30 Other corporates NA (2) Payment reference YES NA YES payment YES NA YES (3) Operating hours 24 hours NA Banking hours (4) Crediting time (i) Monday - Friday Immediate NA (ii) n-business days NA NA (5) Refund time Same day NA 1 For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, Financial Process Exchange (FPX) and Interbank Direct Debit FPX Interbank Direct B2C B2B Debit Sole-proprietors, partnership and SME 1 t offering t offering Nil Other corporates t offering t offering 2 (2) Merchants 1. [Name of merchant] 1. [Name of merchant] 1. PETRON FUEL INTL S B 2. [Name of merchant] 2. [Name of merchant] 2. UHS ESSENTIAL HEALTH (M) SDN BHD 1 For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, Other related fees/charges for online banking (internet and mobile banking) Sole-proprietors, partnership and SME 1 Other corporates 1 Other related charges (i) Maintenance / subscription fee NIL RM per month (ii) Security tokens NA USD30 per token (iii) Annual digital certificates NA Nil (iv) Salary payment / payroll NA 0.11 (v) tification / SMS NA NA (vi) Training NIL NIL 2 Incentives and packages NIL NIL NIL NIL Page 2

3 E-Payment Services and Fees Schedule: Individuals Intrabank Funds Transfer t offering t offering t offering NIL (2) Daily transaction limit (RM per day) NA NA Limit payment (4) Operating hours Banking hours (i) Monday - Friday Immediate NA (ii) n-business days NA NA (6) Refund time Interbank GIRO (IBG) 1 t offering t offering t offering 0.32 (2) Daily transaction limit (RM per day) NA NA payment (4) Future-dated payments (5) Operating hours Banking hours (6) Payment Initiated by Customers *Funds Received by Beneficiaries *Refund for Unsuccessful Transactions (i) Business Days (Monday - Friday) Before 5:00 am By 11:00 am By 5:00 am 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 pm 11:01 am to 2:00 pm By 8:20 pm 2:01pm to 5:00 pm After 5:00 pm By 11:00 pm By 11:00 am, By 5:00 pm, (ii) n-business days (Saturday, Sunday and Federal Territory Publlic Holidays) By 11:00am, By 5:00am, 1 FOC for senior citizens and the disabled persons * Under normal circumstances Page 3

4 E-Payment Services and Fees Schedule: Individuals Instant Interbank Funds Transfer (IBFT) (2) Daily transaction limit (RM per day) NA NA payment (4) Operating hours (i) Monday - Friday NA NA (ii) n-business days NA NA (6) Refund time RENTAS Internet banking Mobile banking t offering t offering 5.30 (2) Payment reference NA NA YES payment NA NA YES (3) Operating hours NA NA Banking hours (4) Crediting time (i) Monday - Friday Immediate NA (ii) n-business days NA NA (5) Refund time Financial Process Exchange (FPX) and Interbank Direct Debit FPX Interbank Direct Debit t offering t offering (2) Merchants 1. [Name of merchant] 1. [Name of merchant] 2. [Name of merchant] 2. [Name of merchant] Other related fees/charges for online banking (internet and mobile banking) RM 1 Other related charges (i) Maintenance / subscription fee NIL (ii) Security tokens NA (iii) Annual digital certificates NA (iv) Salary payment / payroll NA (v) tification / SMS NA (vi) Training NA 2 Incentives and packages NA Page 4

5 Cheque and Current Account Services RM Effective date Fee per cheque issued Apr-15 Type of accounts Interest rate/profit rate (% per annum) Interest rate/profit rate of current accounts Savings 2% Current Account Nil Page 5

6 Description of Selected Payment Services Payment services Description 1 Intrabank funds transfer A payment system that provides funds transfer services to accounts within the same financial institution. 2 IBG 3 IBFT A payment system, which is operated by MyClear, that provides funds transfer services amongst its participating financial institutions. A payment system, which is operated by MEPS, that provides immediate funds transfer services amongst its participating financial institutions FPX Interbank Direct Debit RENTAS An internet-based multi-bank payment platform that leverages on the Internet banking services of banking institutions to offer online payment for electronic commerce (e-commerce) transactions. Similarly, companies can easily extend teir businesses online by offering a quick and safe payment method to their customers. An interbank collection service for regular and recurring payments enabling automated collection directly from a customer s bank account at multiple banks with a single authorisation. Interbank funds transfer made via RENTAS, with a minumum amount of RM10, Debit card Cheque A payment instrument that is linked to a deposit account at a financial institution that can be used: (i) to pay for goods and services; (ii) to withdraw cash from automated teller machine or withdraw cash at participating retail outlets through debit card usage by debiting the user's account; or (iii) for the purpose of (i) and (ii). A paper based payment instrument. It is a form of written order directing a bank to pay money to the beneficiary. [te: Call-out box that will appear when the cursor point at the particular payment services ] Page 6

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