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Top 6 FAQs
Maybank2u PIN/Password FAQs
  • What should I do if I forget my M2U password?

    If you've forgotten your M2U password, here is what you need to do:

    1. Click on the "Forgot Password" in M2U home page
    2. Key in the required fields.
      • Username
      • Access No. (this is your ATM Card No. or your Credit Card No.)
      • New I/C No., Armed Forces No., or Business Registration No.
    3. Click "Submit"
    4. You will receive a Reset Password Code (RPC) on your mobile phone.
    5. Key in your new password and confirm your new password. Then, key in the RPC code you received on your mobile and click "Submit"
    6. You can now login to M2U with your new password.

    Notes:

    • Applicable for Individual and Sole Proprietor accounts only.
    • Not applicable for imteen, and Professional & Partnership accounts.
    • Your mobile phone must be registered to receive TAC in order to use this service
    • Access No. is a 16-digit number given by your home branch in absence of an ATM Card or Credit Card
    • Passwords must be alphanumeric with 8 to 12 characters.


    Important:

    If you do not have a TAC registered mobile, please contact our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (overseas) to necessitate "untagging" of your record

    Can I change my password?

    Yes, you can change your password using the Personal Details after logging in to Maybank2u.com.

    What should I do if I forgot my Internet Banking PIN?

    If you've forgotten your M2U passowrd, here is what you need to do:

    1. Contact our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (overseas) to necessitate "untagging" of your record.
    2. Visit the nearest ATM and create a new Internet Banking PIN.
    3. You are then required to perform another first time login using your Access No. and new Internet Banking PIN.
    4. Your username will be displayed and you need to choose a new password.

    What precautions can I take to protect my PIN and password?

    It is recommended that you do the following:

    • Memorise your PIN and password. For security reasons, do not write them down.
    • Do not tell anyone of your PIN and password.
    • Make sure that no one is looking when you are keying in your PIN and password.
    • Ensure that your computer system is secured.
    • Always log out when you finish your online financial transactions.
    • Avoid accessing Maybank2u.com Online Banking from a public terminal e.g. a cyber cafe. However, if you must, please remember to clear your cache after each session.
    • Avoid storing your password when using Internet browsers. The "AutoComplete" function in Microsoft Internet Explorer 5 stores and lists possible matches from entries you entered previously. You can prevent passwords from being stored in Internet Explorer 5 by deactivating the "AutoComplete" function.

    "Your username and password cannot be the same." Why was this message displayed when I tried to login?

    The message will be displayed if your username and password are the same. For security reasons, your username and password should be different. You are advised to change your password to enable login.

    How can I prevent my password from being automatically displayed after keying in the USER ID when using Internet Explorer 5?

    Internet Explorer browsers have a feature that allows you to capture and store your user ID and password. This allows anyone with access to your computer to log into Maybank2u.com without even knowing your user ID and password.

    The "AutoComplete" function in Internet Explorer stores and displays matches for what you are typing. To prevent your password from being automatically displayed after keying in your user ID, please disable the "AutoComplete" function as follows:

    1. Launch Internet Explorer.
    2. Click on Tools and then Internet Options.
    3. Select the Content tab.
    4. Under AutoComplete, click the settings button.
    5. Uncheck User names and passwords and click the Delete AutoComplete history button.
    6. Click OK to save the changes.

    If I have trouble logging in, what should I do?

    Please contact our Customer Care hotline at 1300 88 6688 or +603 7844 3696 (overseas) for assistance.

    Is there an expiry to my M2U account?

    There is no expiry to your M2U account. However, your account will be automatically deactivated if you do not login to M2U for 6 months.

    My account has been dormant for more than 6 months, and now I can't seem to login. What do I do?

    You will need to re-register for a new M2U account. Please contact our Customer Service at 1-300 88 6688 for assistance.

Transaction Authorisation Code (TAC) FAQs
  • What should I do if I forget my M2U password?

    If you've forgotten your M2U password, here is what you need to do:

    1. Click on the "Forgot Password" in M2U home page
    2. Key in the required fields.
      • Username
      • Access No. (this is your ATM Card No. or your Credit Card No.)
      • New I/C No., Armed Forces No., or Business Registration No.
    3. Click "Submit"
    4. You will receive a Reset Password Code (RPC) on your mobile phone.
    5. Key in your new password and confirm your new password. Then, key in the RPC code you received on your mobile and click "Submit"
    6. You can now login to M2U with your new password.

    Notes:

    • Applicable for Individual and Sole Proprietor accounts only.
    • Not applicable for imteen, and Professional & Partnership accounts.
    • Your mobile phone must be registered to receive TAC in order to use this service
    • Access No. is a 16-digit number given by your home branch in absence of an ATM Card or Credit Card
    • Passwords must be alphanumeric with 8 to 12 characters.


    Important:

    If you do not have a TAC registered mobile, please contact our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (overseas) to necessitate "untagging" of your record

    Can I change my password?

    Yes, you can change your password using the Personal Details after logging in to Maybank2u.com.

    What should I do if I forgot my Internet Banking PIN?

    If you've forgotten your M2U passowrd, here is what you need to do:

    1. Contact our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (overseas) to necessitate "untagging" of your record.
    2. Visit the nearest ATM and create a new Internet Banking PIN.
    3. You are then required to perform another first time login using your Access No. and new Internet Banking PIN.
    4. Your username will be displayed and you need to choose a new password.

    What precautions can I take to protect my PIN and password?

    It is recommended that you do the following:

    • Memorise your PIN and password. For security reasons, do not write them down.
    • Do not tell anyone of your PIN and password.
    • Make sure that no one is looking when you are keying in your PIN and password.
    • Ensure that your computer system is secured.
    • Always log out when you finish your online financial transactions.
    • Avoid accessing Maybank2u.com Online Banking from a public terminal e.g. a cyber cafe. However, if you must, please remember to clear your cache after each session.
    • Avoid storing your password when using Internet browsers. The "AutoComplete" function in Microsoft Internet Explorer 5 stores and lists possible matches from entries you entered previously. You can prevent passwords from being stored in Internet Explorer 5 by deactivating the "AutoComplete" function.

    "Your username and password cannot be the same." Why was this message displayed when I tried to login?

    The message will be displayed if your username and password are the same. For security reasons, your username and password should be different. You are advised to change your password to enable login.

    How can I prevent my password from being automatically displayed after keying in the USER ID when using Internet Explorer 5?

    Internet Explorer browsers have a feature that allows you to capture and store your user ID and password. This allows anyone with access to your computer to log into Maybank2u.com without even knowing your user ID and password.

    The "AutoComplete" function in Internet Explorer stores and displays matches for what you are typing. To prevent your password from being automatically displayed after keying in your user ID, please disable the "AutoComplete" function as follows:

    1. Launch Internet Explorer.
    2. Click on Tools and then Internet Options.
    3. Select the Content tab.
    4. Under AutoComplete, click the settings button.
    5. Uncheck User names and passwords and click the Delete AutoComplete history button.
    6. Click OK to save the changes.

    If I have trouble logging in, what should I do?

    Please contact our Customer Care hotline at 1300 88 6688 or +603 7844 3696 (overseas) for assistance.

    Is there an expiry to my M2U account?

    There is no expiry to your M2U account. However, your account will be automatically deactivated if you do not login to M2U for 6 months.

    My account has been dormant for more than 6 months, and now I can't seem to login. What do I do?

    You will need to re-register for a new M2U account. Please contact our Customer Service at 1-300 88 6688 for assistance.

    Transaction Authorisation Code (TAC) FAQs

     

    Why do I need a TAC?

    TAC is compulsory for specific transactions because it provides an additional layer of security to protect you against unauthorised access to your account.

    Is TAC the same as the Internet Banking PIN?

    No, it isn't. Your Internet Banking PIN, which is created at the ATM, allows you to activate the "First time login" at Maybank2u.com. TAC is not used for login but for specific transactions and types of activities. TAC will expire after 2 hours if you do not use it, upon request. Once it is activated, you may still use it for another 2 hours. You may perform several transactions with the same TAC.

    How much time do I have before my TAC expires?

    For your online banking safety, your TAC can now only be used while you are still logged on to Maybank2u.com. Your TAC will expire immediately each time you logout.

    Can I request for TAC 24 hours a day, 7 days a week?

    You can request for TAC via Maybank2u.com and Kawanku Phone Banking*, anytime - 24 hours a day and 7 days a week.

    *For sole prop. customers registered for Kawanku Phone Banking only.

    Can I request for a TAC at the bank branch or via email to Maybank2u.com or by calling the Call Centre?

    No, you can only request for a TAC using any of the following three channels:

    • from Maybank2u.com (your TAC will be sent via SMS to your mobile phone)
    • via the Kawanku ATM or
    • via Kawanku Phone Banking*

    *For sole prop. customers registered for Kawanku Phone Banking only.

    Which is the easiest way to get a TAC?

    Making a TAC request via Maybank2u.com is probably the most convenient as your TAC will be sent via SMS to your mobile phone. You will have to register your mobile phone number for TAC in advance at any Maybank Branch.

    How do I request for TAC if I'm overseas?

    If you are working or studying overseas, there are two ways to get a TAC:

    • You can request for a TAC at Maybank2u.com and it will be sent to you by SMS if you have pre-registered your mobile phone number at the Branch before leaving the country.
    • Call Kawanku Phone Banking* service at 1-300-88-6688 or 603-7844 3696 to request for a TAC.

    *For sole prop. customers registered for Kawanku Phone Banking only.

    I have a sole proprietorship account. How do I request for TAC?

    • Make your TAC request via Kawanku Phone Banking, or
    • Register your preferred mobile number via Phone Banking to request for TAC at Maybank2u.com and receive it via mobile phone (SMS).


    Note: You must apply for Phone Banking if you do not have this service currently.

    Will I need a TAC each time I login to Maybank2u.com?

    TAC is only required for specific transactions. One TAC can be used to register multiple 3rd party accounts and bills. Subsequently, you will not require a TAC for these pre-registered transactions. You will only need to request for a new TAC to add new accounts and bills or to make ad hoc transfers.

    Do I need a new TAC for every transaction?

    You can use the same TAC for one or more transactions that require TAC within one login session. For example, you could make an open 3rd party transfer, create an eStanding Instruction and add a beneficiary to your Favourite 3rd Party Account Maintenance list using the same TAC, but you have to do all this in one login session, before you logout.

    How many times can I use the same TAC?

    You can use the same TAC for the duration of each logon to Maybank2u.com. Your TAC will expire immediately each time you logout of Maybank2u.com.

    Can I request for two or more TACs and use them?

    You may, but the latest TAC will immediately override the earlier one for security, therefore only one TAC will be valid at any time.

    Is Maybank the only bank to implement the TAC security procedure?

    Maybank is the first Malaysian bank to implement the TAC as part of our commitment to our customers to maintain the best industry practices. TAC has been successfully introduced for Internet Banking in Singapore.

    Can I cancel or deactivate my TAC?

    No, you cannot. If you do not wish to use your TAC, just delete the SMS or destroy the ATM slip that has your TAC printed on it for security reasons.

    I lost my TAC / I forgot the TAC / My TAC has expired!

    Make a request for a new TAC via Maybank2u.com, ATM or Kawanku Phone Banking*.

    *For sole prop. customers registered for Kawanku Phone Banking only.

    How many mobile phone numbers can I register for TAC?

    You may only register one number.

    Can I register my mobile number for TAC via Maybank2u.com?

    No, you cannot. Your mobile number registration for TAC can only be done at the Branch for security purposes.

    Can I register a foreign mobile phone number?

    TAC access is only available to Malaysian registered mobile phones with international call roaming service - 012, 019, 013, 014, 016, 017, 010 and 018.

    Can I use the same mobile number that I registered for SMS Alerts/Maybank-Maxis Mobile Financial Services?

    Yes, but you will have to register your mobile number again at a Maybank Branch. You will not be able to register your mobile phone number for TAC at Maybank2u.com.

    How do I change my mobile number for TAC?

    You can change your TAC registered mobile number in the following ways:

    • Just register your new number at the nearest ATM or Maybank branch. 
    • For Sole Prop customers it can be done via Kawanku Phone Banking or at the nearest Maybank Branch.

    Can I request for TAC using my mobile phone (SMS)?

    No. Your TAC request must be done via Maybank2u.com. You can only receive TAC via SMS, sent to the mobile phone number you registered.

    Is there a charge for TAC via mobile phone (SMS)?

    It is available free of charge for a limited period.

    How long does it take to receive TAC via mobile phone (SMS)?

    The delivery time depends on the traffic volume of your mobile service provider.

    I entered my TAC as requested but got an error message.

    You may receive an "error" message for the following reasons:

    • Your TAC is incorrect or has expired
    • You have exceeded the maximum number of three tries
    • You need to request for a new TAC because your login access was previously denied

    There was a service interruption/time-out during the transaction. Is my TAC still valid or do I need a new one?

    You will only require a new TAC, if you have to login into Maybank2u.com again.

    What happens if I enter a wrong TAC?

    If you enter an invalid TAC 3 times, you will be forced to "Logout" upon your fourth attempt. As a security precaution, your TAC will be deactivated immediately and you will not be allowed to log in to Maybank2u.com on your next "Login". Call our Customer Care hotline at 1-300-88-6688 or +60-3-7844 3696 (overseas) for assistance to reactivate login access to Maybank2u.com. You will also have to request for a new TAC to proceed with your transaction.

    I lost my ATM receipt with the TAC on it. How can I ensure my TAC is not compromised?

    Apply for a new TAC immediately.

    What happens if I suspect illegal or fraudulent transactions from my account?

    Please contact our Customer Care hotline at 1-300-88-6688 or 03-58914744 immediately.

    How will I know that the TAC number I’ve received on my mobile is from Maybank2u.com?

    All TAC numbers from Maybank2u.com should be delivered from any of the following shortcode numbers:

    Telco Shortcode
    Maxis 66628 / 39628
    Celcom 66628 / 39628
    DiGi 66628
    U Mobile +31 XXXXX

    If there is any unforeseen service interruption to any of the telco's platforms, you should receive your TAC from the following authorised longcode numbers:

    Longcode
    + 31 XXXXX
    60172020993
    60133698082
    60162017841
    60172020993
Bills & Statements FAQs
  • What is Bills & Statements?

    Bills & Statements provides your monthly statements and bills (banking statements, credit card and selected bills, advices and notices) in M2U. So you have the option of viewing and saving them in your computer instead of receiving a printed statement by mail every month.

    How do I activate access to Bills & Statements?

    The first time Bills & Statements is accessed, you will be required to read and accept the Terms and Conditions of Access. This is a one-time acceptance and after this, you will be able to view your bills and statements directly.

    Steps to activate:

    1. Login to Maybank2u.com
    2. Select "Bills & Statements" in the main page.
    3. You will be prompted to read and accept the Terms and Conditions of Access to Bills & Statements, if you have not previously done so. (Please read carefully and understand it before continuing.) 
    4. Click "Accept" to proceed.
    5. You can now view and download your statements or register to view your bills* in M2U.

    Important:

    • When you accept the Terms and Conditions of Access to Bills & Statements, you agree that you will no longer receive printed statements by mail from the Bank. However, you will continue to receive your bills until further notice.
    • *Please allow 3 to 4 days after registration to view bills online.
    • You require Adobe Acrobat Reader version 7 or above to open PDF files. 
    • Your statements may be updated at different times of the month, according to the account type, and not on the 1st of each month.

    What are the charges for this service?

    It is free of charge.

    What bills and statements will I be able to view in M2U?

    You can view statements for:

    • Savings Accounts (passbookless accounts only): Conventional, Islamic and Joint accounts. Your account must have a minimum average balance of RM1,000 for 1 statement cycle. (Online statements are not available for passbook savings accounts)
    • Current Account: Conventional, Islamic and Joint accounts
      (Not available for combined statement)
    • Credit Cards: Maybankard Visa, MasterCard, American Express
    • Trading Accounts: Maybankinvest Share Margin Financing, Maybank Investment Bank Berhad

    You can view bills for:

    • Telekom Malaysia
    • Tenaga Nasional Berhad (TNB) and 
    • DiGi (Postpaid)

    More bills will be available later.

    Will I be able to view my statements anytime?

    You will be able to login and view your bills during the time Maybank2u.com is available. However, bear in mind that you are viewing your monthly bills which will be updated at different times of the month according to your billing cycle and not necessarily on the 1st of each month.

    You need to have Adobe Acrobat Reader version 7 (or above) to open the PDF files.

    Will I be able to view all monthly statements on the 1st of each month?

    Monthly statement updates vary according to account type and billing date. Here is a guide for your reference.

    Current Account 4th day of the month
    Savings Account 8th day of the quarter (3 months per statement cycle)
    Credit Card 3 days from the statement cycle date
    Maybankinvest Daily Statements - 3 days from the statement cycle date Monthly Statements - 4th day of the month
    Aseambankers Daily Statements - 3 days from the statement cycle date Monthly Statements - 7th day of the month

    How many months’ statement history will be available in Maybank2u.com?

    You will be able to view the following:

    Account Type Time Period
    Passbookless Savings Account 1 cycle or 3 months’ statements
    Current Accounts 3 months’ statements (1 present + 2 previous)
    Credit Cards 3 months’ statements (1 present + 2 previous)
    Trading Accounts
    Monthly Statement
    Daily Statement
    +31 3 months’ statements (1 present + 2 previous) 30 days

    What is the difference between my M2U Account Summary and Bills & Statements?

    The difference is:

    • Your M2U Account Summary shows your real time account balances and transactions to date.
    • Bills & Statements stores your monthly account, credit card, trading account and other statements. These statements may be updated at different times of the month, according to the account type, and not on the 1st of each month.

    How do I print/download my bill or statement?

    You have the option of printing your statement or saving it in your computer. You require Adobe Acrobat version 7 & above for this.

    1. Go to "Statement Summary" or the "Statement Details" page.
    2. Select the "Download/Print" button.
    3. Your statement will be displayed in PDF format.
    4. Click on the PDF icon to open your statement.
    5. Proceed to print or select the "Save" button to download it to your computer.

    Notes:

    For offices with restricted access to the internet, please get help from your administrator offices to download Adobe Acrobat. There is no Print/Download function for Maybankinvest monthly statements. This will be mailed to you.

    What is needed to register my bills for this service?

    Here's what you need to register your bills for the following Payee Corporations: 

    • Telekom - IC Number
    • TNB - Contract Number (or "No. Kontrak")
    • DiGi - Mobile Number 

    My TNB bill Contract No. only has 6 digits but an 8-digit number is required for bill registration in M2U. What do I do?

    If your Tenaga Nasional Berhad bill Contract No. (No. Kontrak) is less than 8 digits, please add zeros in front of the numbers to make it 8 digits in total.

    Will my electronic statement be accepted in case of any dispute?

    It is a valid document. All you have to do is obtain an endorsed copy at any Maybank branch in case of dispute or for other purposes.

    If I am a joint account holder, will I be able view my bills and statements?

    Both primary and secondary joint account holders will be able to view bills and statements in M2U.

    Will I continue to receive printed bills and statements by mail?

    Once you choose to accept the Terms and Conditions of Access to Bills & Statements, you will no longer receive printed Current/Savings Account & Credit Card statements by mail. You will be able to view and download them at Maybank2u.com.

Online Bill Payment FAQs
  • Are there any charges for online bill payments?

    There is a 50sen charge for each successful transaction to selected payee corporations. You will be notified when you make a payment to any of these corporations and the amount will be debited from your Maybank account.

    For deposits to your Tabung Haji account, a 50sen fee will be debited from your Maybank account. Lembaga Tabung Haji also charges a fee of RM1 that will be debited from your Tabung Haji Account.

    For education loan repayments to JPA (Pinjaman/Gantirugi), JPA charges a fee of RM1 that will be debited from your Maybank account.

    Can I pay more than one bill at a time?

    Yes, you may pay any number of bills at one time.

    What is 'Future Payment'?

    'Future Payment' lets you schedule payments in advance so you will never miss the due date. Just enter the details of your payment and select the effective payment date. Your account will be automatically debited on the specified date. Please ensure there are sufficient funds in your account.

    You can also use eStanding Instruction for your scheduled fixed-sum payments such as loan payments.

    What happens if I have insufficient funds in my account?

    If you are making an immediate payment, you will see an 'Unsuccessful' message and a reject code that informs you of insufficient funds. If it is a 'Future Payment', your payment will not go through on the scheduled date.

    Are bill payments processed on the same day?

    Not all payee corporations process payments daily. Therefore, to avoid late payment, it's best to make your payments in advance. Please note that payments made after 12a.m. will only be credited the next working day.

    Where can I view my payment transactions?

    After you login, click on 'Transaction History'. You will be able to view payments made over the last 60 days. You may print and keep this statement for your record.

    What is the maximum amount that I can pay to my credit card and balance transfer account?

    You can only pay up to the outstanding balance of your credit card or balance transfer account.

    Can I make a future payment to my credit card and balance transfer account?

    Yes. Select 'Effective Date' to decide when you want the payment to be made.

    Can I use my balance transfer account to pay my bills?

    No, you can't.

    Can I use ANY credit card to pay bills via Maybank2u.com?

    You may use any credit card issued by a local financial institution in Malaysia, as long as the card is registered in your name. Credit cards issued outside Malaysia cannot be used at the moment.

    How many credit cards can I register to pay bills?

    You may register up to a maximum of 4 credit cards that belong to you.

    Can I remove the credit card I registered for PayBills?

    Yes. Just select the credit card you wish to remove under "Add/Remove Credit Card" and click "Delete".

    Can I use credit cards from other banks to pay for my Maybankard credit card monthly balance?

    You may only use other credit cards to pay bills at Maybank2u.com. You will NOT be able to use them to settle your Maybankard credit card outstanding balance.

    Is there a limit for payment with other credit cards via Maybank2u.com?

    There is a limit on the number of transactions/amount per payee corporation per day. You will be informed when you reach the maximum amount.

    What happens if I have insufficient credit on the effective payment date?

    We will be unable to process your transaction as your issuing bank will not authorise the payment.

    My Maybank credit card is not shown on my 'Add/Remove Credit Cards' list.

    If your Maybank credit card is linked to your Internet Banking account, your account information details can be viewed in your Account Summary.

    I registered the maximum of four credit cards to pay my bills but some cards are missing when I select 'From Account' to make a payment.

    Don't worry, your credit cards are not missing. Only cards accepted by a particular merchant are displayed.

    I forgot my PayBills password.

    You will have to change your password before you can login.
    If you pay bills using other credit cards:

    • Go to the Login Page and choose the link "If you forget your PayBills password, click here."
    • Then enter your details for ID authentication before changing your password.

    If you are a registered Maybank2u.com user:

    • Call our 24-hour Customer Care hotline at 1-300-88-6688

    I have a Maybankard credit card but I don't have a Maybank account. Can I pay bills online?

    Yes. Select 'Sign Up' in the top menu and follow the step-by-step instructions. You can also pay bills online using credit cards issued by other Malaysian financial institutions if the credit card is registered in your own name.

    I don't have a Maybank account. Can I pay bills using my credit cards from other banks?

    Yes. Select 'Sign Up' in the top menu and follow the step-by-step instructions.

    I want to change from paying bills with other credit cards to enjoy all Maybank2u.com Internet Banking services.

    Select 'Sign Up' in the top menu and follow the step-by-step instructions for existing PayBills customers who want Internet Banking services.

    What do I need to register my hire purchase accounts?

    You will need your Bill Account OR Vehicle Registration number to register your hire purchase account.

    What will I see during the inquiry before payment is being made?

    The Name, Bill Account No. and also the Vehicle Registration No. will be shown during inquiry before confirming your payment.

Personal Loan FAQs
  • What is Maybank Personal Loan?

    Maybank Personal Loan is an unsecured Personal Loan and that does not require any collateral or guarantor. This Personal Loan has a fixed monthly repayment schedule.

    Do I have to pay the Government Service Tax?

    No. Government Service tax will NOT be imposed for this Personal Loan facility.

    Is there any fee or advance payment deduction from the loan amount approved?

    No. The full amount approved will be credited into your personal savings / current account.

    Is this facility offered under conventional or Islamic?

    This facility is currently available under Conventional account. The Islamic Personal Loan will be
    available at a later stage.

    What are the documents required to apply for this facility?

    To expedite processing, please enclose:

    Salaried Employee Self Employed
    i) Application Form i) The application form, and
    ii) Copy of NRIC (both sides) ii) A copy of your NRIC (both front and back)
    iii) Latest BE form with official tax receipt iii) Latest form BE with tax receipt of payment
    iv) Latest 2 months' salary slips iv) Business registration Certificate for Sole-Proprietor or Partnership
    v) Latest 3 months' savings account activity/current account statements v) Form 9, 24, 49 for private limited company
    (Sdn. Bhd.)
      vi) Latest 3 consecutive months bank statements

    Will I be notified if my application is approved or declined?

    You will be notified via mail on the status of your application, whether it is approved or declined. If your loan is approved by the Bank, you will receive an Approval Letter stating the payment due date, installment amount, tenure, loan amount approved and the loan account number.

    How do I receive the funds?

    Funds will be transferred to your personal Maybank savings or current account (joint account and other Bank's savings / current account is not allowed).

    How fast can I obtain the funds?

    Loan approval is within 48 hours. Disbursement is on the next working day upon approval of the loan. This is subject to full documentation and information received by the Bank.

    What happens if I do not have a Maybank saving or current account?

    If you do not have a Maybank personal savings or current account, you are required to open an account prior to submission of the application form and to indicate the account number.

    How much is the Late Charges?

    The Late Charges is 1% per annum on the amount in arrears calculated from the overdue date till date of full monthly repayment.

    How much is the Early Settlement Fee?

    The Early Settlement Fee is RM200 or a sum equivalent to 3% of the loan outstanding balance,
    whichever is higher, only if settled within the 1st half of the loan tenure.

    Do I need to sign a letter of offer?

    This facility is designed to provide a hassle free and seamless end to end experience and therefore,
    signing of an Offer Letter is NOT required. A notification of approval will be sent to you upon loan approval. Acceptance of this facility is automated once the application is approved.

    The Bank has approved an amount lower than what I asked for. Can I decline the facility?

    No, you are deemed to have accepted the loan upon approval and disbursement of the loan into your savings / current account, regardless if the approved amount is lower than the request amount or if the approved amount remains unused in your saving /current account.

    How is the monthly installment calculated?

    The monthly installment is calculated based on the following formula:

    Formula = {Principle(P) + (P X Tenure(years) X Interest Rate)}
    Tenure(months)

    Can I request to increase or reduce my loan tenure?

    No. The increase or reduction of the loan tenure is not allowed. The loan tenure is fixed upon approval of the loan. Customers need to pay off the current personal loan first, then reapply with the desired loan tenure again.

    Can I apply for a second Maybank Personal Loan?

    You can apply for a second Maybank Personal Loan, provided the first Maybank Personal Loan is fully settled.

    Can I restructure my monthly installment after the disbursement of the loan?

    Once the loan is approved and disbursed, you are not allowed to restructure the monthly payment
    for the duration of the loan tenure.

    Can I request for interest rate reduction?

    No, interest rates are fixed and pre-determined at the point of loan approval, depending on the loan amount approved.

    Can I request Maybank to disburse the loan amount to pay my other loans? i.e. Credit Card consolidations?

    No, the approved loan amount will be credited to your Maybank personal savings or current account.

    Can I pay the installments by signing up for a Standing Instruction from another bank?

    Yes. Customers are encouraged to sign up for standing instructions, for convenience in payment.

    What if I can’t repay the facility and default the monthly installment?

    If you have problems meeting your loan obligations, contact us early to discuss repayment alternatives.

    What happens if I pay extra to my monthly instalment loan amount, can I redraw the money?

    The extra payment you paid will be treated as an advance payment to reduce your installment in the following month. You will not be able to redraw the extra payment made.

    Will I get monthly statements?

    Your monthly statement will only be available online. Please login into www.maybank2u.com.my to view your monthly statement of account.

    How do I pay my monthly installments?

    Payment can be made in many convenient ways:

    • By cash or cheque at any Maybank branch nationwide.
    • By cash or cheque through Cash Deposit Machines and Cheque Deposit Machines at
      selected Maybank branches.
    • By cheque through post using the enclosed envelope
      (addressed to Maybankard Centre, 7th Floor, Menara Maybank, 100 Jalan Tun Perak, 50050 Kuala Lumpur)
    • By online payment via Maybank2u.com (www.maybank2u.com.my)
    • By telephone through Maybank Autophone Service
    • By direct debit standing instruction from your savings/current accounts.

    Is there Insurance/Takaful coverage for this Facility?

    Insurance / Takaful coverage is not available at the moment.

    Where can I get more information?

    Kindly call 03-7844 3686 from 9.00am to 5.00pm (Monday to Fridays). Alternatively you can also call our Maybank Group Customer Care line at 1-300 88 6688.

Foreign Telegraphic Transfer FAQs
  • Can I send cash?

    Yes, but only to 6 countries : Bangladesh, China, Hong Kong, Indonesia, Pakistan and Singapore. Cash transfers can be collected over the counter by the receiving party upon producing necessary identification. You may also transfer directly to a 3rd party account.

    Can I transfer money to anyone as long as they are overseas?

    Yes. You may transfer foreign currency to your children studying abroad, as well as friends or relatives travelling or living abroad.

    Can my Foreign TT request be reversed and refunded?

    No, your TT will be returned only if any beneficiary details are incorrect. The RM10 bank fee is not refundable.

    Can I cancel a Foreign TT transaction?

    Sorry, you cannot cancel a transaction.

    Are there any restrictions to foreign funds transfers via Maybank2u.com?

    There are 3 special requirements:

    • There is a pre-determined maximum daily transaction limit.
    • You are required by law to state the purpose of transfer for any sum above RM5,000.50 (five thousand ringgit and fifty sen).
    • You are required to notify Bank Negara Malaysia for foreign currency transfers from resident to resident (residing overseas without PR status) except for educational purposes.

    What is the daily transaction limit for foreign fund transfers via Maybank2u.com?

    The minimum for both Cash and Credit to Account transactions is RM250, while the maximum per day is RM10,000 for Credit to Account and RM1,000 for Cash.

    You may perform more than one transaction per day - either Credit to Account, Cash, or both, up to the maximum amount only, e.g. if you transfer RM1,000 via 'Payment by cash mode', you may also choose 'Credit to account' transfers on the same day up to a maximum of RM9,000.

    Can I transfer any amount (i.e. not a round figure)?

    The amount transferred can include decimal points (example: USD 50.10, Baht 675.50) except for transfers in Indonesian Rupiah and Japanese Yen. These must be in whole figures without a decimal point. Example: JPY 5001 NOT JPY 500.60.

    Can I use Maybank2u.com Foreign TT service 24 hours a day?

    The online foreign telegraphic transfer service is only available from Monday to Friday, 10.00am to 6.00pm, excluding public holidays and Federal Territory state holidays.

    How long will it take for the recipient to receive the money?

    Your Foreign TT will be sent via SWIFT straight-through processing, but the actual time taken will depend on the respective agent or recipient's bank.

    Who do I contact if the recipient does not receive the money?

    Please contact our Customer Care hotline at 1-300-88-6688 if you have any enquiries. Please note that there is a RM10 service fee for enquiries about the foreign currency transfer status after the fund has transmitted out from Maybank.

    What is the fee for Foreign Fund Transfers?

    There is a RM10 fee for transfers to all countries, including Singapore. The fee will be debited from your Maybank Savings/Current Account* and is not refundable.

    *Note: You will not be able to debit your Maybank Foreign Currency Account for online Foreign TT

    Is there a fee for Foreign Telegraphic Transfer status enquiry?

    Yes, there is an RM10 fee for status enquiries via Maybank Group Customer Care (after funds have been transferred from Maybank).

    Does the recipient have to pay bank fees?

    Apart from the RM10 cable charge debited to the sender, the foreign bank / Maybank Group Overseas Unitmay charge extra costs to the receiver. This is usually deducted from the total payable to the beneficiary.

    What happens if the recipient declines to pay the foreign bank charges?

    If the recipient does not agree to pay the bank fee, the amount will be charged to the sender. Or, if both parties decline to pay, the transaction will be returned.

    How much are the foreign bank / Maybank Group Overseas Unit charges?

    The amount varies from country to country.

    Will I need TAC for Foreign TT transactions?

    Yes, you do. If you are transferring money to the same account regularly, you should store your recipient's account details in the 'TT Maintenance' list. However, you are required to key in TAC for both 'Open Beneficiary' as well as 'Favourite' Beneficiary account transactions.

    Why must I state the 'Purpose of Transfer'?

    The 'Purpose of Transfer' declaration is a compulsory Bank Negara Malaysia requirement for all foreign fund transfers exceeding RM5,000.50 (five thousand ringgit and fifty sen). This field is displayed only if the value of your transfer exceeds RM5,000.50.

    What details do I need to ensure my transaction is successful?

    To minimise error, please include the following details of the recipient:

    • Name
    • Contact Number
    • ID/Passport (Mandatory if you are sending cash)
    • Address
    • Email Address
    • Recipient's Bank Name
    • Recipient's Bank Account
    • Bank Address and Branch Code (Selected countries only)
    • Purpose of Transfer (Mandatory if you are transferring more than RM5,000.50)

    Are there any other requirements for online foreign telegraphic transfers?

    By regulation, you will require prior approval from Bank Negara Malaysia for foreign currency transfers from resident to resident (i.e. someone residing overseas without PR status) except for education purposes.

    How can I check if my foreign currency transfer is successful?

    Login to Maybank2u.com and select 'TT Enquiry' under 'Foreign TT'. If the money has already been transferred out from Maybank, you may call Maybank Group Customer Care to check on the status. A RM10 bank fee will be charged for Foreign TT transaction status enquiries after funds have been transferred from Maybank.

Deposits FAQs
eFixed Deposit FAQs
  • What is an eFD?

    eFD is a certless Fixed Deposit (FD) that can be placed and withdrawn via Maybank2u.com. No receipt/certificate will be issued upon placement; instead, an 8-digit reference number that ends with the alphabet 'E' will indicate that the Fixed Deposit is initiated at Maybank2u.com. eFD is available for both Islamic and conventional accounts.

    When is the effective date of my eFD?

    If you already have a Fixed Deposit account with us, the new placement under eFD will be effective immediately. If you do not have a Fixed Deposit Account, the placement will be effective when your banking account is debited and the eFD is created by our branch (on the next working day upon making a placement request via Maybank2u.com).

    How do I withdraw my eFD upon maturity?

    You can withdraw it via Maybank2u.com.

    Can I withdraw my eFD before maturity?

    Yes, you may. However, there will be no interest paid for premature withdrawals made within 3 months of the placement date. After 3 months, interest will be paid for the number of days the eFD is placed. The interest rate payable is only half of the quoted rate.

    Can I withdraw a certain amount of my eFD only or make a partial withdrawal?

    No, partial withdrawal is unavailable.

    Can I withdraw my eFD in cash?

    No. All withdrawals (both principal and interest) will be credited to your banking account (i.e. to any of your linked accounts).

    What happens when an eFD customer is deceased?

    Once the Bank is notified of any deceased customer, subsequent instructions will be taken from the Administrator/Executor of the deceased customer's estate to release the funds to the Administrator/Executor as soon as possible.

    Will I receive any advice upon placement/renewal?

    No, but you can view/print the confirmation of placement via Maybank2u.com or you can print the FD Account Inquiry upon renewal.

    Will I receive monthly statements? How do I make a balance enquiry on my eFD?

    If you have enrolled for a Combined Statement, your eFD details will be reflected in your monthly Combined Statement. If you have not, an enquiry on eFD details can be made via Maybank2u.com.

    Is eFD covered under Deposit Insurance?

    Yes.

    Is the interest earned from eFD taxable?

    Yes, as per existing FD Account criteria.

    Can I take a loan against my eFD?

    Yes.

Foreign Currency Account-i FAQs
  • What do I get when I open a Foreign Currency Account-i?

    As an account holder, you will be provided with monthly dividends (irrespective of account balance), free personal Takaful coverage and discounted service charge.

    Where can I open a Foreign Currency Account-i?

    You may open a Foreign Currency Account-i at the nearest Maybank branch.

    Are there any special conditions to open a Foreign Currency Account-i?

    Currently, there are no special conditions attached to opening the account. However, for joint accounts, both account holders must be residents of the same country.

    Do I need to be a Maybank / Maybank Islamic customer?

    Yes, you must already be a normal current account holder at the same branch to facilitate all withdrawals, conversions, debits and credits to your FCA-i. You will need to open a current account if you do not have one already (terms and conditions apply).

    What is the difference between other current accounts and Foreign Currency Account-i?

    Other current accounts are maintained in Ringgit Malaysia and offer you a chequebook, but FCA-i is maintained in a foreign currency and does not offer you a chequebook.

    How do I withdraw money from my Foreign Currency Account-i?

    You may withdraw money through transfers including telegraphic transfers, bank drafts or conversions through normal current accounts.

Foreign Currency Account Master Foreign Currency Account FAQs
  • How often is interest paid and in what currency is it paid?

    Interest will be credited on the first day of the following month and paid according to the respective currencies.

    What is the difference between a normal current account and a Foreign Currency Account/Master Foreign Currency Account?

    A cheque book is not issued to an individual Foreign Currency Account/Master Foreign Currency Accountcompared to normal current account holders.

    Are there any special conditions for opening a Foreign Currency Account/Master Foreign Currency Account?

    Residents are free to open Foreign Currency Account/Master Foreign Currency Account onshore and offshore. No permission is required.

    Do I need to be a Maybank customer?

    Yes. You can open a Maybank account at any of our branches. You must open a MYR current / savingaccount for the following reasons:

    • For withdrawal / conversion and credit to your Foreign Currency Account/Master Foreign Currency Account
    • To debit your account (Foreign Currency Account/Master Foreign Currency Account or Ringgit current account) for conversion and other charges

    What is the difference between a normal FD placement and a Foreign Currency Account/Master Foreign Currency Account placement?

    The interest rate for FCA/MFCA placement is being revised daily whereas under normal placement, the rates are revised from time to time.

    What are the charges for a Foreign Currency Account/Master Foreign Currency Account?

    There are no charges for opening an account and no yearly charges. But a service charge will be levied for each currency transaction (the amount varies for each foreign currency).

    How do I withdraw money from my Foreign Currency Account/Master Foreign Currency Account?

    Withdrawals can only be made through the following methods:

    • Telegraphic transfers
    • Bank Drafts
    • Conversion to Ringgit account

    Are there any restrictions if I want to open a joint Foreign Currency Account/Master Foreign Currency Account?

    No, there are not.

    How can I claim for free PA insurance?

    You can go to your Home Maybank Branch and complete the Claim Form and Written Notification with details of the circumstances of accident and nature of injury/disablement for submission to Mayban General Assurance Berhad. The following documents are to be attached together:

    • A certified true copy of Statement of Account
    • A Police Report (If death occurs as a result of Motor Vehicle accident or other major injuries sustained resulting from accidents or involving Third Party, suicide or homicide)

    Death & Funeral Expenses Claim

    • A certified true copy of Death Certificate of the Accountholder /Jointholder
    • Post Mortem Report (for cases where post mortem was done to establish the cause of death)
    • Certified true copy of Claimant's Identity Card
    • Marriage Certificate (If available)
    • Grant of Probate / Letter of Administration

    Permanent Disablement Claim

    • A certified true copy of Medical Report/SOCSO panel doctor's report (if available) certifying that the Accountholder/Jointholder is currently disabled may be required (at Claimant's own expense)
    • Photographs depicting injury

    Medical Expenses Claim

    • Medical Expenses Claim Form
    • Original bills relating to cost of medical and surgical expenses from qualified medical practitioner
Foreign Telegraphic Transfer FAQs
  • Can I send cash?

    Yes, but only to 6 countries : Bangladesh, China, Hong Kong, Indonesia, Pakistan and Singapore. Cash transfers can be collected over the counter by the receiving party upon producing necessary identification. You may also transfer directly to a 3rd party account.

    Can I transfer money to anyone as long as they are overseas?

    Yes. You may transfer foreign currency to your children studying abroad, as well as friends or relatives travelling or living abroad.

    Can my Foreign TT request be reversed and refunded?

    No, your TT will be returned only if any beneficiary details are incorrect. The RM10 bank fee is not refundable.

    Can I cancel a Foreign TT transaction?

    Sorry, you cannot cancel a transaction.

    Are there any restrictions to foreign funds transfers via Maybank2u.com?

    There are 3 special requirements:

    • There is a pre-determined maximum daily transaction limit.
    • You are required by law to state the purpose of transfer for any sum above RM5,000.50 (five thousand ringgit and fifty sen).
    • You are required to notify Bank Negara Malaysia for foreign currency transfers from resident to resident (residing overseas without PR status) except for educational purposes.

    What is the daily transaction limit for foreign fund transfers via Maybank2u.com?

    The minimum for both Cash and Credit to Account transactions is RM250, while the maximum per day is RM10,000 for Credit to Account and RM1,000 for Cash.

    You may perform more than one transaction per day - either Credit to Account, Cash, or both, up to the maximum amount only, e.g. if you transfer RM1,000 via 'Payment by cash mode', you may also choose 'Credit to account' transfers on the same day up to a maximum of RM9,000.

    Can I transfer any amount (i.e. not a round figure)?

    The amount transferred can include decimal points (example: USD 50.10, Baht 675.50) except for transfers in Indonesian Rupiah and Japanese Yen. These must be in whole figures without a decimal point. Example: JPY 5001 NOT JPY 500.60.

    Can I use Maybank2u.com Foreign TT service 24 hours a day?

    The online foreign telegraphic transfer service is only available from Monday to Friday, 10.00am to 6.00pm, excluding public holidays and Federal Territory state holidays.

    How long will it take for the recipient to receive the money?

    Your Foreign TT will be sent via SWIFT straight-through processing, but the actual time taken will depend on the respective agent or recipient's bank.

    Who do I contact if the recipient does not receive the money?

    Please contact our Customer Care hotline at 1-300-88-6688 if you have any enquiries. Please note that there is a RM10 service fee for enquiries about the foreign currency transfer status after the fund has transmitted out from Maybank.

    What is the fee for Foreign Fund Transfers?

    There is a RM10 fee for transfers to all countries, including Singapore. The fee will be debited from your Maybank Savings/Current Account* and is not refundable.

    *Note: You will not be able to debit your Maybank Foreign Currency Account for online Foreign TT

    Is there a fee for Foreign Telegraphic Transfer status enquiry?

    Yes, there is an RM10 fee for status enquiries via Maybank Group Customer Care (after funds have been transferred from Maybank).

    Does the recipient have to pay bank fees?

    Apart from the RM10 cable charge debited to the sender, the foreign bank / Maybank Group Overseas Unitmay charge extra costs to the receiver. This is usually deducted from the total payable to the beneficiary.

    What happens if the recipient declines to pay the foreign bank charges?

    If the recipient does not agree to pay the bank fee, the amount will be charged to the sender. Or, if both parties decline to pay, the transaction will be returned.

    How much are the foreign bank / Maybank Group Overseas Unit charges?

    The amount varies from country to country.

    Will I need TAC for Foreign TT transactions?

    Yes, you do. If you are transferring money to the same account regularly, you should store your recipient's account details in the 'TT Maintenance' list. However, you are required to key in TAC for both 'Open Beneficiary' as well as 'Favourite' Beneficiary account transactions.

    Why must I state the 'Purpose of Transfer'?

    The 'Purpose of Transfer' declaration is a compulsory Bank Negara Malaysia requirement for all foreign fund transfers exceeding RM5,000.50 (five thousand ringgit and fifty sen). This field is displayed only if the value of your transfer exceeds RM5,000.50.

    What details do I need to ensure my transaction is successful?

    To minimise error, please include the following details of the recipient:

    • Name
    • Contact Number
    • ID/Passport (Mandatory if you are sending cash)
    • Address
    • Email Address
    • Recipient's Bank Name
    • Recipient's Bank Account
    • Bank Address and Branch Code (Selected countries only)
    • Purpose of Transfer (Mandatory if you are transferring more than RM5,000.50)

    Are there any other requirements for online foreign telegraphic transfers?

    By regulation, you will require prior approval from Bank Negara Malaysia for foreign currency transfers from resident to resident (i.e. someone residing overseas without PR status) except for education purposes.

    How can I check if my foreign currency transfer is successful?

    Login to Maybank2u.com and select 'TT Enquiry' under 'Foreign TT'. If the money has already been transferred out from Maybank, you may call Maybank Group Customer Care to check on the status. A RM10 bank fee will be charged for Foreign TT transaction status enquiries after funds have been transferred from Maybank.

GIRO Interbank Transfer FAQs
  • When will the money reach the recipient's account?

    These are the cut-off times and fund availability for funds transfers:

      Cut-off time Fund availability
    Monday - Friday Transfer before 12pm Transfer after 12pm Same day Next working day
    Saturday, Sunday & Federal Territory Public Holidays (not applicable) Next working day

    Can I transfer funds to any type of account in other banks?

    You can do transfers to your own or 3rd party (Savings and Current accounts only) at participating banks. Transfers to "Sdn Bhd" accounts will be rejected and you will have to bear the RM2 charge for the unsuccessful transaction.

    Can I use Interbank Funds Transfer to pay for my credit card and loans?

    You can make credit card payments to Alliance Bank, AmBank, Bank Islam, Bank Simpanan Nasional Bhd, CIMB Bank, Citibank, Eon Bank, Hong Leong Bank, HSBC, Public Bank, RHB Bank, OCBC Bank, Standard Chartered and United Overseas Bank Berhad, while loan payments can be made to Affin Bank/Affin Islamic Bank, Bank Kerjasama Rakyat Malaysia, Citibank, Deutsche Bank (Malaysia) Berhad, Eon Bank, Hong Leong Bank, HSBC, OCBC Bank Malaysia, Public Bank, RHB (excluding Hire Purchase) and United Overseas Bank Berhad.

    Please note: Bank Kerjasama Rakyat Malaysia does not accept online funds transfer for Ar Rahnu and Az Zahab repayment.

    Can I use the GIRO Interbank Funds Transfer service 24 hours a day?

    The online GIRO Interbank Funds Transfer service is available 7 days a week, from 6.00am to 12.00am(midnight).

    Can I transfer funds to my hire purchase account?

    You may make hire purchase payments to AmBank, Bank Simpanan Nasional Bhd, Eon Bank and Public Bank. Transfers to other banks will not be accepted.

    What are my other alternatives if I have more than RM5000 to transfer?

    If you want to transfer more than this, you will have to do another transaction the next day or you may also do a transfer via ATM.

    Can I increase the limit per transaction?

    No, you may not increase your limit per transaction. This is pre-automated.

    Do I need to pay the service fee each time I make a funds transfer?

    Yes, you will be required to pay the RM2 service fee each time you make a funds transfer.

    Do I have to request TAC each time I want to make a funds transfer?

    You may use the same TAC number for only 2 hours. To avoid requesting for TAC each time, you may go to Interbank Maintenance to maintain your Favourite Interbank Account.

    My loan payment to Public Bank was unsuccessful although I used the correct account number. Why?

    For loan payments to Public Bank, you must key in your 10 digit Account No. plus 5 digit Note ID No. i.e. 90010. If you do not enter the extra 5 digits, your transfer will be rejected.

Golden Savers-I Savings Account FAQs
  • What do I need to do to open a Golden Savers Savings Account-i?

    You and / or your joint applicant will need to go to the nearest Maybank / Maybank Islamic branch along with all relevant documents as follows:

    • Valid MyKad for Malaysians
    • Valid Passports for Foreigners and
    • Other documentary evidence required by the authorities according to the purpose of your visit / stay in Malaysia.

    What is the difference between a Savings Account-i / Basic Savings Account-i and a Golden Savers-i Savings Account?

      Saving Account-i / Basic Savings Account-i Golden Savers-i Savings Account
    Principle Wadiah (Safe Custody) Mudharabah (Profit Sharing)
    Eligibility Individual / Joint Account ( for individuals 18 years and above) Individual / Joint Account (for individuals 50 years and above)
    Minimum Deposit RM250 / RM20 (Basic) RM1,000
    Dividend Hibah based on discretion by the bank Profit Sharing
    Service Charge for Foreign Telegraphic Transfer Yes No
    Discount from various merchant Yes, under debit card discount Yes, under debit card discount

    How can I check the balance in my Golden Savers-i Savings Account apart from my passbook?

    You may check and view your account records via quarterly statements (received if you maintain an average account balance of at least RM1,000 throughout the quarter), ATM and Maybank2u.com.

Golden Savers Savings Account FAQs
  • What do I need to bring along to open a Golden Savers Savings Account?

    You and / or your joint applicant will need to go to the nearest Maybank branch with the following relevant documents:

    • Valid MyKad for Malaysians
    • Valid Passports for Foreigners and
    • Other documentary evidence required by the authorities according to the purpose of your visit / stay in Malaysia.

    What is the difference between a normal savings account and a Golden Savers Savings Account?

    The Golden Savers savings account is specially tailored for individuals, aged 50 years and above, retirees and those who plan for early retirement. The Kawanku Savings account meanwhile is a generic savings account for the working populace. The Golden Savers savings account offers high interest rates and other benefits* compared to a normal savings account (Terms & Conditions apply).

    *Benefits: 
    • Free service charges for foreign telegraphic transfer 
    • Discount from various merchants
    • Maybank2u.com access
    • ATM access
    • Maybankard Visa Debit

    How much do I need to open such a Golden Savers Savings Account?

    You need a minimum of RM1,000 to open a Golden Savers Savings Account.

    How and when will I be entitled to TreatsPoints?

    For the first three months, every RM10,000 deposited into your account will entitle you to 2,000 TreatsPoints. Early birds who open a Golden Savers savings account within the first month of its launch will be rewarded Double TreatsPoints.

    When can I redeem my TreatsPoints?

    You may redeem your Treatpoints one month after the 3-month campaign promotional period.

imteen Accounts FAQs
  • What do I need to bring to open an imteen account?

    You and your parent/guardian will need to go to the nearest Maybank branch along with all relevant documents i.e. your birth certificate/IC and your parent/guardian's IC and other supporting documents to verify parentage or guardianship. The parent or guardian will need to sign an Indemnity Letter with RM10 for stamping fees.

    Can I open an imteen account with my parents?

    The imteen account cannot be opened jointly or In-Trust with parents or guardians. It must be opened on your own.

    How do I perform my banking transactions with the imteen account?

    imteen is a passbookless account — transactions are done minus a passbook. You will receive a Maybankard Bankcard (ATM) card which you can use at any Maybank ATM, Cash Deposit Machine or Cheque Machine, with access at over 1,500 ATMS around the country and even more access via PLUS networks both in Malaysia and other countries. You can also use your Maybankard as a debit card at participating merchants. You also have online access to imteen Internet Banking Facilities via www.maybank2u.com.

    Since I do not have a passbook, how will I know the balance in my imteen account?

    You may check and view your account records via quarterly statements (received if you maintain an average account balance of at least RM1,000 throughout the quarter), ATM and Maybank2u.com.

    Are there any restrictions imposed at ATM facilities?

    Yes, you are not provided access to the following services:

    * 3rd party transfer
    * Selectable withdrawal limit
    * Selectable 3rd party transfer limit
    * Purchase insurance
    * Paybills - Mayban Assurance Bhd
    * Interbank funds transfer
    * Electronic Share Application (Share Issue / ESA)
    * Phone banking application
    * Maybank2u.com application
    * Mobile Financial Services registration
    * M2U Mobile registration/deregistration

    Note: All transactions are subject to a limit of RM500 per day, per account.

    Where do I apply for access to Maybank2u?

    Application for Maybank2u access can only be done at Maybank branches, as applications via ATM are blocked.

    What imteen Internet Banking Services are offered at Maybank2u?

    You may view your account summary and Internet transaction history, transfer up to RM500 per day within your own accounts, purchase mobile and Internet prepaid reloads (up to RM100 per day) as well as IDD and STD prepaid reloads online, enjoy credit top-ups, SMS and downloads, pay bills online and update your contact information.

    Are there any restrictions imposed at Maybank2u?

    Access to services such as 3rd Party Transfer, Online Stocks, Investment and Insurance, EPF and Mobile Financial Services are not provided.

    How do I access imteen Internet Banking Facilities?

    Just login to www.maybank2u.com and click on myzone to access the range of services.

    When will the ATM and Maybank2u restrictions be removed?

    You may access all ATM and Maybank2u services when you reach 18, as your account will then be treated as an adult account with no restrictions.

    How do I qualify for the special Fixed Deposit (FD) interest rate?

    imteen accountholders will be entitled to the special one-month Fixed Deposit (FD) rates if you make only one (1) withdrawal per month for 6 consecutive months i.e. from 1st January to 30th June and from 1st July to 31st December, and that you are under 18 years old. Otherwise, a lower rate under Kawanku Savings Account will be applied.

    When and how is the interest paid?

    The interest is calculated daily and credited twice a year, i.e. every 30th June and 31st December of the year. Once attained the age of 18 and above, Kawanku Savings interest rate will apply.

    Do I have to maintain a minimum balance?

    No, there is no minimum balance requirement. However, to enjoy benefits such as the Personal Accident (PA) Insurance coverage and Medical Benefits, your minimum balance should not be less than RM1,000 for Cash Award claims.

    Is there a limit to how much I can take out of my imteen Account?

    imteen accountholders are subject to a debiting limit of RM500 per day via all delivery channels namely bank counters (OTC), online (M2U), ATM, MEPS, EFTPOS and Regional Switch except for all system postings i.e. SI. However, withdrawals of more than the limit are allowed over the counter.

    What does imteen's Personal Accident (PA) insurance cover?

    All imteen accountholders are automatically covered with Personal Accident (PA) coverage as long as a minimum balance of RM1,000 is maintained.

    Savings balance Sum insured
    RM1,000 - RM5,000 RM15,000
    RM5,001 - RM10,000 RM25,000
    Above RM10,001 RM30,000

    What is the grace period to notify your Maybank branch of any accident for insurance claim?

    For insurance claims, the accountholder is given 21 days from the date of the accident to notify a Sales & Service Centre.

    What do I do if I've lost my ATM card or forgotten my Maybank2u password?

    For replacement of lost/stolen ATM card and/or forgotten card pin number, or to reset Maybank2u password and/or pin number, you need to go to the nearest Maybank branch with your parent/guardian. Please remember to bring along all relevant documents for verification purposes.

    If I am a foreigner, am I subject to the signing of the Indemnity Letter?

    The signing of the Indemnity Letter is compulsory for all parents/guardians, both local and foreign, as a condition to open an imteen Account.

imteen-i Accounts FAQs
  • What do I need to bring to open an imteen account?

    You and your parent/guardian will need to go to the nearest Maybank branch along with all relevant documents i.e. your birth certificate/IC and your parent/guardian's IC and other supporting documents to verify parentage or guardianship. The parent or guardian will need to sign an Indemnity Letter with RM10 for stamping fees.

    Can I open an imteen account with my parents?

    The imteen account cannot be opened jointly or In-Trust with parents or guardians. It must be opened on your own.

    How do I perform my banking transactions with the imteen account?

    imteen is a passbookless account — transactions are done minus a passbook. You will receive a Maybankard Bankcard (ATM) card which you can use at any Maybank ATM, Cash Deposit Machine or Cheque Machine, with access at over 1,500 ATMS around the country and even more access via PLUS networks both in Malaysia and other countries. You can also use your Maybankard as a debit card at participating merchants. You also have online access to imteen Internet Banking Facilities via www.maybank2u.com.

    Since I do not have a passbook, how will I know the balance in my imteen account?

    You may check and view your account records via quarterly statements (received if you maintain an average account balance of at least RM1,000 throughout the quarter), ATM and Maybank2u.com.

    Are there any restrictions imposed at ATM facilities?

    Yes, you are not provided access to the following services:

    * 3rd party transfer
    * Selectable withdrawal limit
    * Selectable 3rd party transfer limit
    * Purchase insurance
    * Paybills - Mayban Assurance Bhd
    * Interbank funds transfer
    * Electronic Share Application (Share Issue / ESA)
    * Phone banking application
    * Maybank2u.com application
    * Mobile Financial Services registration
    * M2U Mobile registration/deregistration

    Note: All transactions are subject to a limit of RM500 per day, per account.

    Where do I apply for access to Maybank2u?

    Application for Maybank2u access can only be done at Maybank branches, as applications via ATM are blocked.

    What imteen Internet Banking Services are offered at Maybank2u?

    You may view your account summary and Internet transaction history, transfer up to RM500 per day within your own accounts, purchase mobile and Internet prepaid reloads (up to RM100 per day) as well as IDD and STD prepaid reloads online, enjoy credit top-ups, SMS and downloads, pay bills online and update your contact information.

    Are there any restrictions imposed at Maybank2u?

    Access to services such as 3rd Party Transfer, Online Stocks, Investment and Insurance, EPF and Mobile Financial Services are not provided.

    How do I access imteen Internet Banking Facilities?

    Just login to www.maybank2u.com and click on myzone to access the range of services.

    When will the ATM and Maybank2u restrictions be removed?

    You may access all ATM and Maybank2u services when you reach 18, as your account will then be treated as an adult account with no restrictions.

    What is the special interest rate offered by imteen?

    The imteen account allows you to enjoy a special one-month Fixed Deposit rate for your savings.

    How do I qualify for the special Fixed Deposit (FD) interest rate?

    imteen accountholders will be entitled to the special one-month Fixed Deposit (FD) rates if you make only one (1) withdrawal per month for 6 consecutive months i.e. from 1st January to 30th June and from 1st July to 31st December, and that you are under 18 years old. Otherwise, a lower rate under Kawanku Savings Account will be applied.

    When and how is the interest paid?

    The interest is calculated daily and credited twice a year, i.e. every 30th June and 31st December of the year. Once attained the age of 18 and above, Kawanku Savings interest rate will apply.

    Do I have to maintain a minimum balance?

    No, there is no minimum balance requirement. However, to enjoy benefits such as the Personal Accident (PA) Insurance coverage and Medical Benefits, your minimum balance should not be less than RM500, or RM1,000 for Cash Award claims.

    Is there a limit to how much I can take out of my imteen Account?

    imteen accountholders are subject to a debiting limit of RM500 per day via all delivery channels namely bank counters (OTC), online (M2U), ATM, MEPS, EFTPOS and Regional Switch except for all system postings i.e. SI. However, withdrawals of more than the limit are allowed over the counter.

    What does imteen's Personal Accident (PA) insurance cover?

    All imteen accountholders are automatically covered with Personal Accident (PA) coverage as long as a minimum balance of RM1,000 is maintained.

    Savings balance Sum insured
    Savings balance RM15,000
    RM5,001 - RM10,000 RM25,000
    Above RM10,001 RM30,000

    What is the grace period to notify your Maybank branch of any accident for insurance claim?

    For insurance claims, the accountholder is given 21 days from the date of the accident to notify a Sales & Service Centre.

    What do I do if I've lost my ATM card or forgotten my Maybank2u password?

    For replacement of lost/stolen ATM card and/or forgotten card pin number, or to reset Maybank2u password and/or pin number, you need to go to the nearest Maybank branch with your parent/guardian. Please remember to bring along all relevant documents for verification purposes.

    If I am a foreigner, am I subject to the signing of the Indemnity Letter?

    The signing of the Indemnity Letter is compulsory for all parents/guardians, both local and foreign, as a condition to open an imteen Account.

Maybank2u Savers FAQs
  • What is Maybank2u Savers?

    Maybank2u Savers is a Savings Account which you can apply online, without visiting the branch. It offers high interest rates (i.e. 2.10% for balance from RM2,000 to RM50,000 and 2.30% for balance from RM50,000 onwards)

    How do I apply for Maybank2u Savers?

    To apply Maybank2u Savers, please follow these few simple steps:

    1. Log-in to Maybank2u.com
    2. Click Apply Online at Maybank2u.com secured site homepage
    3. Select Account Type = Personal Savings Account, Product Type = Maybank2u Savers & click the Continue button

    Can I open an Maybank2u Savers account at the branch?

    No. Maybank2u Savers can only be opened/activated via Maybank2u.com

    Do I still need to visit the branch to activate the account?

    No. Maybank2u Savers will be activated online upon your successful application on Maybank2u.com

    How will I know that my account has been successfully activated?

    A successful application message will be displayed at Maybank2u.com, together with your new Maybank2u Savers Account Number upon account opening. You will also be notified of your successful application via SMS

    How many Maybank2u Savers accounts can I apply for?

    Each customer can only apply for One (1) Maybank2u Savers Account

    Are Joint Accounts applicable for Maybank2u Savers?

    No. Maybank2u Savers is available to Individual customers only

    Is Maybank2u Savers tied to any physical home branch?

    No. Maybank2u Savers is not tied to any physical home branch. However, it will be tied to a Virtual Banking Branch with the Branch Code 11140

    How do I make my first deposit to Maybank2u Savers?

    If you have at least one (1) Current or Savings Account attached to your Maybank2u.com account, you can make the first deposit to Maybank2u Savers by transferring funds from any of these existing accounts. If you do not have any Current or Savings Account attached to Maybank2u.com, you can make your first Maybank2u Savers deposit using any Cheque Deposit Machine (CQM), Cash Deposit Machine (CDM) or by transferring funds via Interbank GIRO (IBG) from other Banks using your new Maybank2u Savers Account Number

    What does “RM250 Capping” mean?

    RM250 capping means you must always have a minimum balance of RM250 in your Maybank2u Savers account, i.e. any withdrawal which will results in an account balance of less than or equals to RM250 is not allowed

    Are all the Maybank2u.com functionalities available to my Maybank2u Savers account upon activation?

    Yes

    How do I apply for an Maybank2u Savers ATM Card?

    • For Maybank2u users with existing ATM cards, your Maybank2u Savers account will automatically be tied to your existing ATM Card, which acts as the access number for your Maybank2u login.
    • If you do not have a Maybank ATM Card (i.e. existing Credit Card holders without any Savings or Current accounts), you can visit any branch to apply for one. Please note that Maybank2u access can only be tied to an ATM Card Access Number or Credit Card Number. Once you visit a branch to apply for an ATM card, your Maybank2u access number will be linked to your new ATM Card Access number, and will no longer use your Credit Card number

    Can an Maybank2u Savers account holder withdraw/transact at any branch?

    Yes. You can withdraw/transact at any branch. However, a RM5 service charge will be imposed for transactions that can be fulfilled at Maybank2u.com or at our Maybank kiosks (e.g. withdrawal less than 5k)

    How do I close my Maybank Savers account?

    You can submit a request to close your account via Maybank2u.com. There are three (3) balance transfer methods for Account Closure:

    1. Own Account Transfer
    2. Third Party Transfer
    3. Interbank GIRO (IBG)

    If you select Own Account Transfer to transfer your balance, then the interest earned to date as well as the service charge (if any) will be calculated and closed online. If you select Third Party Transfer or IBG as the Closure balance transfer method, the closure will be handled by our Maybank Group Contact Center (MGCC) within 3 working days and you will be notified on the closure status via SMS

    Can I close Maybank2u Savers at the branch?

    Yes. Please take note that RM5.00 service charge will be imposed if you closed the account at branch. This is due to account closure can be performed via Maybank2u.com

    How do I “hold”/close an account for the deceased?

    For the deceased, the next of kin can visit any branch to "hold" the account or to perform account closure but will need to show proof.

    How do I “delete hold” on my account if I have been released from bankruptcy?

    You may visit any branch to "delete hold" on the account with proof.

Maybank2u Savers-i FAQs
  • What is m2u Savers-i?

    m2u Savers-i is an Islamic Savings Account which you can apply online, without visiting the branch. It offers higher indicative dividend rates compared to normal Islamic Savings Account.

    How do I apply for m2u Savers-i?

    To apply m2u Savers-i, please follow these few simple steps:

    1. Log-in to Maybank2u.com
    2. Click Apply Online at Maybank2u.com secured site homepage
    3. Select Account Type = Personal Savings Account, Product Type = m2u Savers-i & click the Continue button

    Can I open an m2u Savers-i account at the branch?

    No. m2u Savers-i can only be opened/activated via Maybank2u.com.

    Do I still need to visit the branch to activate the account?

    No. m2u Savers-i will be activated online upon your successful application on Maybank2u.com.

    How will I know that my account has been successfully activated?

    A successful application message will be displayed at Maybank2u.com, together with your new m2u Savers-i Account Number upon account opening. You will also be notified of your successful application via SMS.

    How many m2u Savers-i accounts can I apply for?

    Each customer can only apply for One (1) m2u Savers-i Account.

    Are Joint Accounts applicable for m2u Savers-i?

    No. m2u Savers-i is available to Individual customers only.

    Is m2u Savers-i tied to any physical home branch?

    No. m2u Savers-i is not tied to any physical home branch. However, it will be tied to a Virtual Banking Branch with the Branch Code 11140.

    How do I make my first deposit to m2u Savers-i?

    If you have at least one (1) Current or Savings Account attached to your Maybank2u.com account, you can make the first deposit to m2u Savers-i by transferring funds from any of these existing accounts. If you do not have any Current or Savings Account attached to Maybank2u.com, you can make your first m2u Savers-i deposit using any Cheque Deposit Machine (CQM), Cash Deposit Machine (CDM) or by transferring funds via Interbank GIRO (IBG) from other Banks using your new m2u Savers-i Account Number.

    What does “RM250 Capping” mean?

    RM250 capping means you must always have a minimum balance of RM250 in your m2u Savers-i account, i.e. any withdrawal which will results in an account balance of less than or equals to RM250 is not allowed.

    Are all the Maybank2u.com functionalities available to my m2u Savers-i account upon activation?

    Yes.

    How do I apply for an m2u Savers-i ATM Card?

    • For Maybank2u.com users with existing ATM cards, your m2u Savers-i account will automatically be tied to your existing ATM Card, which acts as the access number for your Maybank2u.com login.
    • If you do not have a Maybank ATM Card (i.e. existing Credit Card holders without any Savings or Current accounts), you can visit any branch to apply for one. Please note that Maybank2u.com access can only be tied to an ATM Card Access Number or Credit Card Number. Once you visit a branch to apply for an ATM card, your Maybank2u.com access number will be linked to your new ATM Card Access number, and will no longer use your Credit Card number.

    Can a m2u Savers-i account holder withdraw/transact at any branch?

    Yes. You can withdraw/transact at any branch. However, a RM5 service charge will be imposed for transactions that can be fulfilled at Maybank2u.com or at our Maybank kiosks (e.g. withdrawal less than RM5,000).

    How do I close my m2u Savers-i account?

    You can submit a request to close your account via Maybank2u.com. There are three (3) balance transfer methods for Account Closure:

    • Own Account Transfer
    • Third Party Transfer
    • Interbank GIRO (IBG)

    If you select Own Account Transfer to transfer your balance, then the dividend earned to date as well as the service charge (if any) will be calculated and closed online. If you select Third Party Transfer or IBG as the Closure balance transfer method, the closure will be handled by our Maybank Group Contact Center (MGCC) within 3 working days and you will be notified on the closure status via SMS.

    Can I close m2u Savers-i at the branch?

    Yes. Please take note that RM5.00 service charge will be imposed if you closed the account at branch. This is due to account closure can be performed via Maybank2u.com.

    How do I “hold”/close an account for the deceased?

    For the deceased, the next of kin can visit any branch to "hold" the account or to perform account closure but will need to show proof.

    How do I “delete hold” on my account if I have been released from bankruptcy?

    You may visit any branch to "delete hold" on the account with proof.

Premier 1 Account FAQs
  • Do I have to maintain a minimum balance?

    No, there is no minimum balance requirement.

    What happens if I issue a cheque and there are insufficient funds in the Premier 1 account?

    The OD facility will be utilised (if the customer has an OD facility) to clear the cheque.

    Do I have to pay any fees?

    There are no more autosweep and subscription fees, only a fee of RM5 per month to enjoy the benefits of Maybank Premier 1. However if your daily balance is more than RM50,000, this monthly fee will be waived.

    Since I do not have a passbook, how will I know the balance in my account?

    A monthly statement will be mailed to you. You can also make balance enquiries through the ATM or Kawanku Phone Banking or Maybank2u.com.

    Is a Maybank Premier 1 Account held in trust eligible for the overdraft facility?

    No. Maybank Premier 1 Trust Accounts, as well as that of clubs, societies and associations are not eligible.

    Can a company open a Premier 1 Account?

    No. The Premier 1 Account can only be opened by individuals either as a single account or as a joint account up to a maximum of 4 persons. Clubs, societies and associations are allowed to open the Premier 1 Account.

Profit Now Account-i (PNA-i) FAQs
  • What documents do I need to open a Profit Now Account-i (PNA-i)?

    You and/or your joint accountholders will need to present the following documents at Maybank/Maybank Islamic branch where you are opening your account:

    • Valid MyKad for Malaysians,
    • Valid Passport for Foreigners, and
    • Other documentary evidence required by the relevant authorities according to the purpose of visit/stay in Malaysia

    What is the difference between a GIA-i and a PNA-i?

    Here is a list for you to make a comparison:

      General Investment Account-i (GIA-i) Profit Now Account-i (PNA-i)
    Principle Mudharabah or profit sharing Commodity Murabahah or cost plus sale
    Profit / Dividend Payment Monthly, semi-annually or upon maturity Upfront payment
    Profit Rates Based on mutually agreed profit sharing ratio Based on predetermined fixed rate
    Tenure 1 month up to 60 months 1, 2, 3, 4, 5 or 6 months
    Minimum Placement 1 month - RM5,000
    2 months and above - RM1,000
    RM10,000

    When and how is the profit paid?

    Profit will be paid upfront upon opening of account and to be credited into customer's deposit account.

    Can the profit to be paid up front be paid in CASH?

    No. All profit payments are to be credited directly into your deposit account with Maybank / Maybank Islamic.

    Are there any restriction imposed for PNA-i?

    1. Partial withdrawal
      Partial withdrawal is not allowed
    2. Early Withdrawal
      a. Tenure 3 months and below - no profit payment
      b. Tenure > than 3 months - 50% of profit based on actual number of days of placement

    I’m an existing GIA-i accountholder and comply with the eligibility requirements for a PNA-i. How do I convert my existing account to PNA-i?

    You will not be able to convert your GIA-I to PNA-i. If you are a GIA-i accountholder and want to switch to a PNA-i, you will have to close your existing account and open a new one.

    What does PNA-i Takaful Personal Accident cover?

    Provider
    • Etiqa Takaful is the provider
    • Covers individual accounts only
    • Covers the primary holder only for Joint accounts
    • Covers Death and TPD
    Eligibility
    • Malaysians only
    • Individual accountholders
    • For joint accounts, primary accountholder only
    Coverage
    • Death and TPD
    • RM10,000 regardless of amount of placement
    • One accountholder can only claim once

    If I have more than one account, am I entitled to claim more than one TPA?

    Should you hold more than one PNA-I, you are still only entitled to make one claim.

    Example :

    Primary Accountholder Secondary Accountholder Coverage Entitlement
    ALI MARIA Ali is entitled for a total of RM10,000 Takaful Coverage
    ALI ZUL
    ALI SITI

    Where should I make a TPA claim?

    The submission for TPA claim is to be done at the accountholder's HOME BRANCH.

Maybank Agent Banking with POS Malaysia FAQs
  • General Information

    a) What is Maybank Agent Banking with POS Malaysia?
    i) It is a partnership with POS Malaysia to extend our reach as well as convenience to customers.
    ii) It offers specific banking activities to Maybank customers who can go to the selected POS offices instead of Maybank branches to perform the following over-the-counter transactions:

    • Cash Deposits
    • Cash Payments
    • Cash Withdrawals

    b) Can I open a Maybank account at POS Agent Bank?
    No, those who wish to open a Maybank account must do it at a Maybank branch

    c) Can I go to all POS Malaysia outlets to conduct my Maybank Transactions?
    Maybank transactions can only be performed at selected 350 POS Outlets nationwide. The list of POS Outlets can be referred to Maybank2u website under "Ejen Bank" section.

    d) What are the Maybank transactions that I can do at POS Agent Bank outlets?
    The transactions that are allowed are:-

    • Cash Deposits 
    • Cash Payments 
    • Cash Withdrawals

    e) Will I be charged any transaction fees if I do my Maybank transactions at POS Agent Bank outlets?
    All transactions are free of charge.

    f) Will the transactions that I do at POS Agent Bank outlet be immediately reflected in my Maybank Accounts?
    Yes. All transactions are performed on real-time basis.

    g) What are the operating hours where a customer can perform Maybank Transactions at POS Agent Bank outlets?
    The operating hours for Maybank Transactions a POS Agent Bank are as follows:-

    All states (except Kedah, Kelantan and Terengganu:

    • Monday to Thursday - 9.15 am to 4.30 pm
    • Friday - 9.15 am to 4.00 pm

    Kedah, Kelantan and Terengganu:

    • Monday to Thursday - 9.15 am to 4.30 pm
    • Friday - 9.15 am to 4.00 pm

    h) Can I go to any counter at POS Agent Bank to do my Maybank Transactions?
    No. You must go to the designated counters at POS Agent Bank outlets.

    Deposits

    a) How much cash can I deposit every day?
    Deposits are limited to:-

    • RM 25,000.00 for Normal Accounts per account per day.
    • RM 10,000.00 for External Accounts per account per day.

    b) Can I deposit cheques in my Accounts?
    No. At the moment, cheques cannot be deposited to Maybank accounts through POS Agent Bank.

    c) What are the documents I need to make a deposit?

    • You need to fill in a Pay-in slip.
    • Your passbook if available.

    d) Do I need any identification to make a deposit?
    No. You don't need to produce any identification.

    Payments

    a) Can I make payments on my loans at POS Agent Bank outlets? 
    Yes, you can make the following payment at POS Agent Bank outlets:-

    • Housing Loans
    • Term Loans
    • Credit Cards
    • Hire Purchase Loans

    b) Can I partially or fully settle my loans at POS Agent Bank outlets?
    No. You can only partially or fully settle your loans at Maybank Branches.

    Withdrawal

    a) How much cash withdrawals can I make at POS Agent Bank outlets? 
    You can withdraw up to a maximum of RM 5,000.00 per account per day at POS Agent Bank outlets.

    b) What are the accounts that I can withdraw from?
    You can make withdrawals from the following accounts:-

    • Savings Accounts i.e Normal Savings and Passbookless Savings Accounts.

    c) What are the documents that I need to make a withdrawal?

    • A completed withdrawal form.
    • Produce your identification - MyKad, Police/Armed Forces ID, Passport.
    • Passbook - for normal Savings Account.
    • Maybank ATM Card - for Passbookless Savings Account.

    d) Can I use my temporary MyKad or Driver's License to make my withdrawal?
    No, POS Agent Bank outlets will only accept MyKad, Police/Armed Forces ID and Passport as proof of identification.

    e) Can I make a cash advance from my credit card at POS Agent Bank outlets?
    No. You cannot make any cash advance from your credit cards.

    f) Can I encash my Cheques at POS Agent Bank outlets?
    No. you cannot encash your cheques at POS Agent Bank outlets.

3rd Party & Own Accounts FAQs
  • Can I do a funds transfer to Maybank Singapore?

    Cross border funds transfer to Maybank Singapore is not available currently. You will have to do this transaction at our branch.

    What if I want to transfer more than RM10,000 per day to a 3rd party account?

    You will have to do another transaction the next day, or you may also do a transfer via ATM (if the earlier transaction was via Maybank2u.com) and vice versa.

Travellers Cheques FAQs
  • What should I do if my travellers cheques are lost or stolen?

    Report the loss immediately by calling the nearest Worldwide Refund Centre. You will receive a list of toll free telephone numbers when you purchase your travellers cheques. You can receive refund assistance 24 hours a day, 7 days a week.

    How can I obtain replacement travellers cheques?

    The Refund Service Centre staff can arrange for your replacement cheques to be made available by either directing you to a nearby bank or delivering them personally by courier to you.

    Is there any commission charged if I purchase the travellers cheques using my Maybankard credit card (Visa/MasterCard/ExecCard)?

    No commission will be charged.

    What are the charges on encashment?

    A commission of RM10 per transaction will be charged, along with a stamp duty of RM0.15 per cheque if the Malaysian stamp duty is unpaid.

Treats Points FAQs
    1. What's the difference between this TreatsPoints programme and the one offered under Maybankard credit cards?
      Both are similar, except that this has a different spending criteria.
    2. If I make a transaction of RM60, how many TreatsPoints will I earn?
      The minimum value per transaction is RM30, therefore you will be rewarded with 5 points.
    3. Can I combine the TreatsPoints earned from my banking account with TreatsPoints earned from credit cards?
      Yes, the TreatsPoints earned from the banking account can be combined with the TreatsPoints earned from credit cards with the condition that the customer is the primary account holder to both products.
    4. What are the items that can be redeemed under TreatsPoints?
      The items are similar to the items offered under the Maybankard credit cards TreatsPoints programme.
    5. If I close my account, will the TreatsPoints still be available?
      No. TreatsPoints earned are not redeemable if your account(s) has been blocked, closed, cancelled or terminated.
    6. Will there be any expiry period on the TreatsPoints?
      Yes. Effective 1 August 2013, Maybank Credit Card TreatsPoints will have a 3 years expiration period. TreatsPoints earned in a particular month are valid until the end of third (3rd) year of the calendar month. Please find below a sample table depicting the points cumulated and the applicable expiry date:
    7. YearTreatsPoints AccumulationTreatPoints Expiry
      Prior to July 2013
      Up to 31 July 2013 31 July 2016
      2013 1 August 2013 to 31 August 2014
      31 August 2016
      2014 1 January 2014 to 31 January 2014
      31 January 2017
    8. Are payments made to Maybank internal accounts (e.g. Maybank housing loan instalments) entitled to TreatsPoints?
      No. Only payments made to third party payee corporations will be entitled to TreatsPoints.
Cards FAQs
American Express FAQs
  • Will American Express charge cards issued by Maybank be accepted by merchants outside Malaysia?

    Yes, American Express charge cards issued by Maybank will be accepted by the American Express network of merchants in Malaysia and worldwide.

    What are the continuing benefits and privileges that are maintained or unchanged?

    • The current standards of service levels, privileges and benefits you enjoy will be maintained.
    • There will also be no change in the look of the card and you can continue to use your existing card.
    • Upon expiry of your card membership, your card will be automatically renewed.
    • All your Membership Rewards points will remain with your existing American Express charge card account.
    • Your 'Member Since' status will be retained.
    • Our Customer Service lines remain the same.
    • We are also maintaining the existing payment channels for you to settle your monthly payments. If you are paying by cheque, please be advised that your cheque now needs to be made payable to 'Maybankard Centre'.

    Will my American Express charge card be replaced?

    No. Existing American Express charge cardmembers can continue using the existing American Express charge cards issued previously by American Express (Malaysia) Sdn. Bhd. Upon renewal, Maybank will issue the new American Express charge card to American Express charge cardmembers.

    Will Maybank impose a combined/shared credit limit to my American Express charge cards since I also have other credit cards (VISA/ MASTERCARD/ American Express Blue Box) issued by Maybank?

    There will not be a combined credit limit as your American Express charge card is different from other credit cards issued by Maybank. As a charge card, it does not have a pre-set credit limit (like credit cards) as all charges will be approved based on your past transactions and payments history.

    Will Maybank continue to offer Emergency Cheque Cashing facility at Genting?

    Yes, the existing Emergency Cheque Cashing facility at Genting will continue to be offered by Maybank to American Express charge cardmembers.

    What happens to the Membership Rewards (MR) points that existing American Express charge cardmembers have accumulated?

    The existing MR points are still valid. Cardmembers will continue to be rewarded with the MR/air miles points for all transactions charged to the American Express cards. Cardmembers will also be able to redeem their points for items published in the current MR catalogue issued by American Express.

    How do I pay my American Express Charge Card bill?

    The various payment channels available are online via Maybank2u.com, at any Maybank Kawanku ATM, Cheque Deposit Machine, via Direct Debit and cash/counter payments at Maybank branches. You will need to register your bill either online at Maybank2u.com or at any Maybank branch before being able to make your payment at the ATM.

    If I make a payment by cheque to 'American Express', will my payment be accepted?

    No, cheque payments made to "American Express" will not be accepted. From 1 August 2006, please make your cheque payable to 'Maybankard Centre'.

    What number can I call for customer service assistance?

    American Express change cardmembers can contact the following numbers for customer service assistance:

    * American Express 24 Hours Customer Service Hotline - 1800 88 9559
    * American Express Platinum Card - 1800 88 0886 / +603 2050 0880 (for calls made outside Malaysia)
    * Global Assist - +603 2031 7888 (English); +603 2032 1888 (Mandarin)
    * For correspondence, please mail it to: Maybankard Centre, 7th Floor Menara Maybank, 100 Jalan Tun Perak, 50050 Kuala Lumpur

    If I am a merchant, how will the Business Transfer Agreement (BTA) between American Express and Maybank affect the American Express card acceptance at my outlet?

    You can continue to accept American Express cards at your outlet and will not be affected by this BTA.

    Do I need to sign a new Merchant agreement with Maybank after the business transfer?

    No, you are not required to sign a new agreement with Maybank. Your existing agreement with American Express (M) Sdn Bhd has been reassigned to Maybank. The terms and conditions are enclosed with the Maybank welcome letter to merchants dated 1 August 2006. If you did not receive the welcome letter, please contact 03 2074 7570 (Merchant Sales Helpdesk).

    Will there be any changes to the terms and conditions in the merchant agreement?

    No, there will be no changes to the terms and conditions of the merchant agreement. However, Maybank reserves the right to change the terms and conditions if necessary at a later date and you will be notified accordingly.

    Since I am also a Maybank merchant for Visa and MasterCard, will Maybank revise the Merchant Discount Rate (MDR) for American Express cards acceptance?

    The current American Express merchant discount rate will remain as per the merchant agreement. However, as per the agreement Maybank may review the merchant discount rate on an annual basis based on your sales performance.

    What will happen to the joint promotion/membership reward programme with American Express?

    There will be no changes as all the existing joint promotion will continue as usual. We will continue to work with Merchants for future promotions.

    Who should I contact if I have problems with my terminal?

    For enquiries or complaints on the terminal, please contact:

    • Hypercom terminal: 03-2050 0066
    • Ingenico terminal: 1800 38 1030
    • Verifone terminal: 1800 88 2229

    For authorisation (to obtain approval code, for suspected cases of fraud, or for address verification), please call 03-2050 0213.

    For general enquiries (e.g. transaction disputes and payment inquiries), please call 03-2050 0066.

    Will there be any change to the card acceptance procedures?

    No, there will be no change. The current acceptance procedures apply.

    Will there be any changes in my payment plan (settlement date)?

    There will be no changes on the payment plan. Your existing payment plan will remain per the Merchant Agreement. You will continue to receive your payment as usual. If you are receiving your payment by cheque currently, kindly furnish us with your bank account number to enable us to credit your account directly.

    Will I still have access to all the online services?

    Yes, you can still continue to access all American Express online merchant services.

    Would there be any change in the way I do my settlement for manual transactions?

    No, there will be no changes to the current practice. You can continue to send the manual sales draft via the existing self-addressed envelope provided to you.

American Express Gold Credit Card FAQs
  • What is my credit limit?

    Your credit limit will be determined by the bank's credit assessment.

    Is my credit limit shared among my supplementary accounts?

    Yes, your credit limit is shared, regardless of the number of supplementary accounts.

    How do i apply for an American Express® Gold Credit Card?

    You may walk into any Maybank branch nationwide to fill up an application form, or call 603-22958877 for personal assistance. Alternativelty, you could also visit these websites to print out an application form:

    • www.americanexpress.com.my
    • Maybank2u.com.

    What do I do if I lose my card?

    Please call our 24-hour customer service hotline immediately at 1 800 889 559 for assistance.

American Express Platinum Credit Card FAQs
  • What is my credit limit?

    Your credit limit is determined by the bank's credit assessment.

    Is my credit limit shared among my supplementary accounts?

    Yes, your credit limit is shared, regardless of the number of supplementary accounts.

    How do I enjoy the dining benefit at Shangri-La Kuala Lumpur?

    You may charge all your expenses to your American Express Credit Card to enjoy the dining benefits at all restaurants and bar in Shangri-La Kuala Lumpur

    Does my supplementary cardholder get to enjoy the dining benefit as well?

    Yes, your supplementary cardholder gets to enjoy the very same dining benefits at Shangri-La Kuala Lumpur.

    What is the complimentary golf programme?

    The programme provides complimentary green fees all year round in 14 golf courses across Malaysia, when accompanied by at least 1 or more paying guests. Cardmembers are only required to pay for buggy fees, caddie fees, insurance and any other applicable fees, at a published rates specified by the golf club

    How many guests must I bring along for a flight?

    For weekdays, there must be a minimum of 1 Cardmember to 1 paying guest (1+1 guest). For weekends, there must be a minimum of 1 Cardmember to 2 paying guests (1+2 guests or 1+3 guests).

    Can I bring as many guests as I want?

    There is no limit to the number of guests a Cardmember is allowed to bring, but bookings are subject to the golf club's availability.

    Can I go directly to the participating golf clubs to make a booking?

    No. This programme is only applicable with bookings made via American Express Customer Service.

    How do I make a booking?

    Cardmembers should call Customer Service at 1800 88 9559. Cardmembers should be prepared to provide the following information to facilitate the booking process:

    • Cardmember's name, NRIC/Passport no., credit card no., contact details
    • Requested golf club, preferred tee-off time, alternative tee-off time
    • Guest's name(s) and handicaps

    Cardmembers will receive a response via phone within 48 hours from the time the booking is received.

    Once a booking is made, is it automatically confirmed?

    No. Bookings are subject to golf club availability. Bookings may also be refused, in the event of card expiration or deactivation.

    When do I have to pay for my bookings?

    All payments must be made upon booking and charged to the Cardmember's American Express Platinum Credit Card issued by Maybank.

    Can I make payments using cash or other charge/credit cards?

    No. This programme is only applicable when paid using the American Express Platinum Credit Card issued by Maybank.

    Can I make changes to my booking?

    Yes. Changes may be made, but is subject to availability. For weekday golf, changes must be made 3 working days in advance whereas for weekends, changes must be made 4 working days in advance.

    Can I cancel my booking?

    Yes. All cancellations must be made in advance otherwise the following charges may apply:

    Weekday golf (cancellations must be made 3 working days prior to intended tee-off date)

    • 50% of the total chargeable amount* will be charged for cancellations made 2 working days before tee-off date

    • 100% of the total chargeable amount* will be charged for cancellations made 1 working day before tee-off date, no-show or late arrivals

    Weekend golf (cancellations must be made 4 working days prior to intended tee-off date)

    • 50% of the total chargeable amount* will be charged for cancellations made 3 working days before tee-off date
    • 75% of the total chargeable amount* will be charged for cancellations made 2 working days before tee-off date

    • 100% of the total chargeable amount* will be charged for cancellations made 1 working day before tee-off date, no-show or late arrivals

    What happens if I've made a booking and fail to show up without cancelling?

    There will be no refunds for no-show unless proper notice has been provided.

    What happens if I arrive late for my tee-off time?

    The golf club may allow you to tee-off at its next available tee-time but this shall be subject to the availability of tee-times and at the sole discretion of the club.

    How do I withdraw cash from ATMs with my American Express Platinum credit card?

    You would first need to present your card at any Maybank branch in order to obtain your PIN number. You credit card is required in order to generate the PIN number.

    What do I do if I lose my credit card?

    Just call us at 1800 88 9559 (local) or +603-2056 8799 (overseas) to report the lost and you will receive a replacement card.

    Can the PIN be sent to me?

    No. Your PIN will only be generated for you with the credit card at a Maybank branch.

    Can I withdraw cash from other banks' ATMs or overseas?

    No. If you are overseas, you may opt for emergency cheque cashing via American Express Travel Service Offices around the world.

    Is there a returned cheque fee?

    Yes, returned cheque fees will be charged both by the card issuer and the bank (charges may vary depending on the banks).

CardCare Takaful Plan FAQs
  • What does CardCare Takaful Plan cover?

    It provides coverage for Death and Total Permanent Disability due to illness or accident.

    How does the CardCare Takaful Plan protect you?

    The Plan ensures that the outstanding Card balance of up to RM100,000 per life, is settled in the event of Death or Total Permanent Disability under this Certificate.

    How are the benefits paid?

    All benefits are paid in one lump sum for all Cards outstanding balances subject to a maximum of RM100,000 per life that are covered under this Plan.

    What is the contribution based on, and how do I pay?

    The contribution payable shall be based on the outstanding Cards balances shown on the latest statements issued and the contributions are charged to your monthly Cards billing statements.

    Who is the owner and beneficiary of this Plan?

    Maybank is the Certificate Owner and beneficiary of this Plan. A Certificate of Assurance shall be issued to the Cardmember who participates in this Plan.

    Who is eligible to apply for protection?

    Acceptance is guaranteed for all Principal Maybank & American Express Islamic Ikhwan Cardmembers aged 21 to 60 years old.

    What is the expiry age limit for this Plan? The expiry age limit is 65 years old. Are there exclusions to this Plan?

    Yes, exclusions on Death or Total Permanent Disability are:

    • Death due to suicide while sane or insane within twelve (12) months from the Cover Start Date.
    • Pre-existing conditions - illnesses or ailments which existed during the twelve (12) months prior to the Cover Start Date.

    Other standard exclusions for Total Permanent Disability include:

    • War, whether declared or not, and riots.
    • Aviation except as a pilot, crew member or fare paying passenger on a scheduled air route or licensed chartered service.
    • Self-inflicted injury or suicide attempt (whether sane or insane).
    • Drug and/or alcohol abuse.
    • Dangerous avocations, pastimes and hobbies.

    How can the Plan be terminated?

    The Plan can be terminated in the following manner:

    • Notification by Maybankard Centre that the Person Covered Card is cancelled.
    • The Person Covered has attained the age of 65.
    • The Person Covered's Death or Total Permanent Disability. 
    • Non-payment of contribution in respect of the Person Covered for a period of thirty-one (31) days after they have become due.
    • Written notice from Maybankard Centre or the Person Covered directing that the Plan has been cancelled.

    When will the Plan take effect on my card?

    Please allow a minimum of 7 to 14 days for the first contribution to be charged to your Card billing statement upon receiving this enrolment form.

    What happens if I convert my Card from Gold Card to Platinum Card or from Visa to MasterCard?

    You will need to notify Maybank by fax to 03-7953 8640. Maybank will update the Card number into the system.

Fast-Forward Your Points FAQs
  • When is the promotion period?
    Promotion starts from 15 April - 15 July 2009.

    Who is eligible to participate in the promotion?
    This promotion is applicable to ALL American Express Charge & Credit Cardmembers issued by
    Maybank & Maybank Islamic, excludes corporate card & American Express Singapore Airline Krisflyer Gold Credit Card and non Membership Rewards enrollees.

    I am not enrolled with Membership Rewards programme, how do I enroll?

    Please contact our customer service at +603-2050 0888. Please note that you will be charge the
    enrollment fees of RM25 (Non Frequent Traveler Option) or RM50 (Frequent Traveler option)
    based on the option subscribed. This is only applicable for the American Express Green Charge
    Card. 

    • Non Frequent Traveler option:
      • Redeem your points for free dining, fashion accessories, entertainment, home ware and electrical appliances.
    • Frequent Traveler option:
      • Redeem rewards available under the Non-Frequent Traveller Option or transfer your points to a frequent flyer or frequent guests programme to earn free flights and free hotel accommodation.

    I am enrolled with Membership Reward Turbo Programme, how many points will I be entitled to?

    Membership Reward Turbo enrollees will enjoy one (1) additional point.
    e.g.

    Total Petrol purchase RM 300
    2x Base points 600 points
    6x Bonus points 1,800 points
    Turbo point (1 point) 300 points
    TOTAL POINTS 2,700 points

    How do I enroll for the Membership Reward Turbo Programme?
    Please contact our customer service at +603-2080 0888 and an annual enrolment fees of RM100 will be charge to your card. The Membership Reward Turbo Programme is only applicable for American Express Charge card only.

    I hold a Maybank American Express Credit Card/ Maybank Islamic Credit Card, do I need to enroll for the TreatsPoint programme? Can I enroll for the Membership Reward Turbo Programme ?
    All Maybank American Express Card/ Maybank American Express Islamic Credit Card is automatically enrolled. No, the Membership Reward Turbo Programme is only applicable for American Express Charge Card only.

    What do I need to do to be eligible to participate?
    Cardmembers need to register via SMS as per the following:
    Type "8x 15-digit American Express card number" and send to 36600

    How do I confirm my registration?
    If your registration is successful, you will receive a confirmation via SMS. If you do not receive your SMS confirmation, please try again, or please contact your Telco Service provider to verify if your phone number is under the Block List category.

    What is Block List and how come my number is under the Block List category?
    Block list is basically to filter out all the spam SMS that you do not wish to receive, which has been requested by you to your Telco service provider. You can request with your Telco service provide to unblock or re-register with alternative unblock mobile number.

    How many times must I register?
    Just register once for the entire Promotion Period and you will receive your SMS confirmation. The 8x points for all your Petrol & Grocery purchases will awarded from the date and time of confirmed registration.

    What if I have more than one Principal American Express Card? Do I need register all?
    You should register the Principal American Express Cards that will be used for petrol and grocery purchases.

    I am a supplementary American Express Cardmember, can I register?
    Supplementary Cardmember(s) are not entitled for this promotion however, the 8x points for Supplementary Cardmembers' Petrol & Grocery purchases will be aggregated to that of the principal Card.

    If my new American Express Cardmember was approved within the promotion period, do I still have to register via SMS?
    Yes. All new American Express Cardmembers are also required to register via SMS.

    When will the 8x points be credited into my account?
    The 2x base points which will be awarded for all purchase and reflected on the monthly Statement whereby, the balance 6x points will be awarded 8-10 weeks after promotion ends.

    Which are the participating grocery stores?

    All grocery stores nationwide that accept American Express Card, for e.g.

    • Carrefour
    • Cold Storage
    • Choice Supermarket
    • Cosmart
    • Everise Supermarket
    • Galaxy Supermarket
    • Giant
    • Hai-O Raya
    • Hero Pasaraya
    • Isetan Supermarket
    • Jusco Supermarket
    • Makro
    • Mecato De Market Place
    • Ngui Kee
    • Parkson Aktif
    • Sunshine
    • KL Sogo Supermarket
    • Tesco
    • TMC Bangsar

    Which are the participating petrol stations?
    All petrol stations that accept American Express Cards.
    E.g. BHP Petrol, Caltex, Esso, Mobile, Petronas & Shell

Maybank Islamic Ikhwan CardCare Takaful FAQs
  • What does Maybank Islamic Ikhwan CardCare Takaful Plan cover?

    It provides coverage for death and total permanent disability due to sickness or accidental causes.

    How does the Takaful Plan protect you?

    The Plan ensures that the outstanding card balance of up to RM100,000 per life, is settled in the event of premature death or total permanent disability under this certificate.

    How are the benefits paid?

    All benefits are paid in one lump sum for all Maybank Islamic Ikhwan Card outstanding balance that are covered under this Takaful Plan.

    What are the contributions based on, and how do I pay?
    It will cost you RM0.28 for every RM100 of your outstanding balance and the contributions are charged monthly into your Maybank Ikhwan Card billing statement.

    Who is the owner and beneficiary of this Plan?

    Maybankard is the certificate owner and beneficiary of the Plan. A Takaful Certificate shall be issued to the cardmember who participates in this Takaful Plan, upon request from the Participant.

    Who is eligible to apply for protection?

    Acceptance is guaranteed for all Principle Maybank Islamic Ikhwan cardmembers aged 21 to 60 years old.

    What is the expiry age limit for the Plan?

    The expiry age limit is 65 years old.

    Are there exclusions to this certificate?

    Yes, exclusions on death or total permanent disability are:

    • Death by suicide within twelve (12) months from the cover start date.
    • Pre-existing conditions - illnesses or ailments which existed during the twelve (12) months prior to the cover start date.

    Other standard exclusions for total permanent disability include:

    • War, whether declared or not, and riots.
    • Aviation except as a pilot, crew member or fare paying passenger on a scheduled air route or licensed chartered service.
    • Self-inflicted injury or suicide attempt (whether sane or insane).
    • Drug and/or alcohol abuse.
    • Dangerous avocations, pastimes and hobbies.

    How can the Takaful Plan be terminated?

    The Takaful Plan coverage can be terminated in the following manner:

    • Notification by Maybankard Centre that the Participant's insured Maybank Islamic Ikhwan Card is cancelled.
    • The Participant insured has attained the age of 65.
    • The Participant's death or total permanent disability.
    • Non-payment of contribution in respect of the Participant for a period of 30 days after they have become due.
    • Written notice from Maybankard Centre or the Participant directing that the Takaful Plan be cancelled.
Islamic Ikhwan Petronas Gold Visa Credit Card FAQs
  • What is Petronas Ikhwan Visa?

    It is a joint-venture between Maybank Islamic Berhad and Petronas Dagangan Berhad. It is a card based on Islamic Law and the Shariah principle of Bay' Al' Inah (sales with immediate repurchase) which governs instalment payments over a fixed period. It works the same as any credit card and is accepted worldwide.

    What is the difference between Petronas Ikhwan Visa and a conventional credit card?

    The Petronas Ikwan Visa is formulated on Shariah principles:

    • In Islamic Banking, the profit rate is non-compounding as compared to a conventional credit card
    • The Petronas Ikhwan Visa is based on Shariah principles, and so it cannot be used for transactions prohibited by Shariah such as gambling, liquor, etc.
    • It is governed by the concept of economic justice and card holders avoid interest or riba in their banking transactions.

    What are the Islamic values or features of this card?

    The Petronas Ikhwan Visa incorporates 5 Islamic values:

    • Charity (Sadaqah) - Donate through your Petronas Ikhwan Visa card or by TreatsPoints to selected charitable organisations
    • Travel (Ziarah) - Tour programmes to Islamic historical places, Middle Eastern countries
    • Protection (Takaful) - Special Takaful insurance packages
    • Savings (Al-Tawfir) - Balance transfer and special EzyPay deals all year round
    • Sharing (Musharakah) - Earn TreatsPoints with Ikhwan and enjoy privileges and redeem products for you, your friends and family

    What are the MAIN benefits I enjoy with Petronas Ikhwan Visa Card?

    The value propositions for Petronas Ikhwan Visa are:

    • FREE Annual Fee
    • No Compounding Charges
    • 5X TreatsPoints at Petronas Service Stations (with no expiry date)
    • FREE petrol with TreatsPoints
    • FREE Touch ‘n Go Zing Card. Whenever the account balance drops to RM50, it will automatically upload RM100 to your card with RM2 reload fee.
    • FREE Auto Assist - for purchase or renewal of car insurance with Etiqa.
    • Enjoy Mesra Rewards with your PETRONAS Ikhwan Visa. Every 1 Litter of petrol = 1 Mesra Point.
    • Combination of privileges - Petronas privileges and Maybankard Treats

    What are the other benefits of Petronas Ikhwan Card?

    You will enjoy the following:

    Visa Wave
    Make purchases speedier at participating merchant outlets.

    Auto Paybills
    Bills are automatically charged to the Maybank Islamic Petronas Ikhwan Visa Card upon enrolment.

    Balance Transfer Plan
    Transfer outstanding balance from other credit cards to your Maybank Islamic Petronas Ikhwan Visa Card and enjoy savings

    6 Months Plan

    0.5% per month

    RM1,000

    9 Months Plan

    0.75 % per month

    RM1,000

    12 Months Plan

    1.0 % per month

    RM1,000

    24 Months Plan

    0.375% per month

    RM2,000

    36 Months Plan

    0.413% per month

    RM2,000

    Maybankard Treats
    Special deals and great rewards from dining, shopping, golf to health treats all year round.

    Cash Treats
    Access cash for any emergencies, new plans or treats for yourself at low interest rates. Just call 1300 88 6688 for your Cash Treats today.

    TreatsPoints HotSpot
    Use your TreatsPoints to redeem gifts on-the-spot at over 300 Hotspot locations nationwide.

    Maybankard Travel Treats & Enrich Frequent Flyer Program
    Enjoy discounted rates on all business and leisure travel. Also earn TreatsPoints to redeem free air travel with Malaysia Airlines Enrich frequent flyer program.

    M2U Mobile Banking
    Cardmembers can securely access, view credit card balances or pay bills to over 500 corporations with Maybank Islamic Petronas Ikhwan Visa Card while on the move, anytime and anywhere.

    How do I get FREE Petrol?

    You can convert your accumulated TreatsPoints into petrol vouchers and use them to pump petrol at PETRONAS service stations.

    Who can apply?

    The minimum income requirement to apply for the Petronas Ikhwan Visa is RM30,000 per annum for a gold card and RM100,000 per annum for the platinum card.

    Can I apply for the Petronas Ikhwan Visa if I don’t have an account with Maybank?

    Yes, you can. You don't need to be a Maybank accountholder to apply for a card. Just print out and fill in the application form. Then enclose the required documents and mail or send it to the nearest Maybank branch.

    What are the documents required for an application?

    Please submit the following documents together with your application form:

    • Copy of NRIC (both sides) or passport (including supplementary applicants)
    • Latest BE form with official tax receipt
    • Latest 2 months salary slips
    • Latest 3 months savings account activity / current account statements
    • If you are self-employed, please enclose copies of your business registration and latest 3 month's bank statements
    • For Expatriates: A letter from your employer confirming the duration of employment contract in Malaysia and the applicant must be a Maybank accountholder.
    • For Graduates: Copy of degree certificate/professional qualification and employment letter or 1 month's salary slip

    If I already have a credit card from another bank, do I need to send all documents?

    If you have been a principal credit / charge card member of a card issued in Malaysia and valid worldwide for at least 1 year, you only need to enclose:

    • Copy of NRIC (both sides) or passport (including supplementary applicants)
    • Supplementary applicant's copy of credit / charge card (both sides)

    If I already have a Maybank credit card, can I apply for the Petronas Ikhwan Visa?

    Yes, you can. The approval for Petronas Ikhwan Visa is subject to the new credit assessment.
    You are required to fill in the Petronas Ikhwan Visa application form and submit it with the relevant documents.

    What is the Petronas Ikhwan Visa facility limit?

    The facility limit will be based on your credit assessment.

    I have fully utilised my conventional card limit, can I transfer my credit limit from Islamic to conventional card?

    The credit limit between the conventional card and Petronas Ikhwan Visa is not transferable.

    Can I close my Maybank conventional credit card account and transfer the balance to my Petronas Ikhwan Visa?

    Yes, you can either pay the outstanding balance in full, or chose a Balance Transfer plan for the outstanding amount. If you choose to close your Maybank conventional card account and transfer the balance to Petronas Ikhwan Visa, you are advised to read the Conversion FAQs for further details.

    What is the annual fee for the Petronas Ikhwan Visa?

    No annual fees for life and no conditions attached

    What is the Profit Rate for the Petronas Ikhwan Visa?

    The profit rate is the same as the other credit cards, i.e. 1.46% a month or 17.5% per annum. Like any other credit card, the BNM Tier Rate Pricing applies to the Petronas Ikhwan Visa (See table):

    Conditions
    Payment Months/ Total 12 months


    PROFIT RATE

     

    Per Month / Per Annum

    For prompt payment of 12/12 months

    1.13 13.5%

    For prompt payment of 10/12 months

    1.33 16%

    For prompt payment of less than 10/12 months

    1.46 17.5%

    Profit charge will be imposed on the outstanding retail transaction balance that is not paid after the payment due date. The charge will be calculated from the day the transactions were posted until full payment.

    What is the cash advance fee for Petornas Ikhwan Visa?

    For Petronas Ikhwan Visa, the cash advance fee is known as "cash withdrawal fee". The
    Fee for each cash advance transaction is 5% of the amount withdrawn or minimum RM10, whichever is higher.

    What about the minimum monthly payment?

    The minimum monthly payment is 5% of the outstanding balance or RM25.

    What are the late payment charges?

    For Maybank Islamic Petronas Ikhwan Visa, if the minimum payment is not made by the due date, a Compensation Fee will be leveid at 1% of the total balance outstanding as at your statement date or RM5, whichever is higher, up to a maximum of RM50.

    What is the Profit calculation for Petronas Ikhwan Visa?

    It follows Shariah principles and calculation of the profit rate is non-compounding.

    Is there anywhere I am NOT allowed to use Petronas Ikhwan Visa?

    The card can be used anywhere, at outlets that accept Visa.

    Like other Islamic cards, your Petronas Ikhwan Visa should not to be used for unlawful activities, including illegal online betting or gambling. The Bank is entitled to terminate your card immediately without any notice, if it is found to have been used for such purposes.

    Will I receive a monthly statement for my Petronas Ikhwan Visa?

    Yes. You will receive separate monthly statements for Petronas Ikhwan Visa and your conventional credit cards.

    Do I have to make separate payments for Maybank conventional and Petronas Ikhwan Visa?

    Yes. However, for payments by cheque, you can use the same cheque. Just indicate the amount for each card on the back of the cheque.

    Whom to contact if my card is lost or stolen?

    If your card is lost or stolen, please call 03-2072 1373 or our toll-free number
    1800-88-3231 to report immediately. (Available 24 hours a day, 7 days a week.)
    If your card is lost or stolen while abroad, contact us or report to Visa Assistance Centres or their affiliates.

    If I am an existing Ikhwan cardmember, will I be enjoying the Petronas Ikhwan Visa benefits?

    Yes, Ikhwan Visa Card-i will enjoy the same features and benefits as Petronas Ikhwan Visa but Ikhwan Amex Card-I features remains.

    Do I need to apply for Petronas Ikhwan Visa if I am already an existing Ikhwan Visa Card-i cardmember?

    No, you are not required to apply because:

    • Petronas Ikhwan Visa will replace the existing Ikhwan Visa Card-i
    • The Petronas Ikhwan Visa will take over the plastic type of the existing Ikhwan Visa Gold and Ikhwan Visa Platinum Card-i
    • Upon launching, we will no longer issue the generic Ikhwan Visa Card-i
    • Existing Ikhwan Visa Card-i customer are not required to replace their card, the new Petronas Ikhwan Visa will be issue to them upon expiry of existing card, fraud/loss card.
Maybank2u.com Merchant Programme FAQs
  • Do I have to pay any fees?

    Yes, you will be required to pay a minimum one-time processing fee and transactional service charge. Please contact us for more information.

    Where should I open my collection account?

    You can open your collection account at any Maybank Sales & Service Centre in Malaysia.

    How do customers make payments?

    Customers can make payments via direct debit from their Maybank Current/Savings Account(s) or via any credit card issued in Malaysia.

    Do I need to give the Board of Resolution when I submit my authorisation letter?

    No, all you need to do is to print the letter format given by the Bank on your company letterhead and it must be signed by one of your authorised signatories.

    How does the customer's payment get transferred to the payee corporation?

    1. The customer's account will be debited directly upon successful payment transaction.
    2. The payment settlement will be done on the next working day by directly crediting your collection account. Types of payments are:
      • Gross payment - flat rate and percentage rate (direct debiting of account)
      • Net payment - percentage rate (credit card payment)
        Gross payment mechanism: Maybank will directly debit the payee corporation's collection account on every 26th of the month for the total discount rate owed to the Bank. Payee corporations should ensure the collection account has enough funds on the date mentioned.

    How do payee corporations receive their payment transaction reports?

    Payee corporations have two options to receive their reports:

    • Batch Payment (applicable to low transaction volume payee corporations only): This is a standard format of reporting. The reports will be sent on the next working day via e-mail for the payee corporation's accounting requirements as well as for settlement/reconciliation purposes.
    • Data Payment File (applicable to high transaction volume payee corporations): The reports will be sent on the next working day via e-mail in text format. The payee corporation can populate the data directly into their billing system.

    How does a payee corporation reconcile an individual customer's transactions?

    A payee corporation can use the following reference numbers to know which order the customer is paying for:

    • Bill Account Number: This is the account number (fixed to a particular customer)
    • Bill Reference Number: This is the number given to the customer when you bill him/her. It is normally referred to as the Order Number or Monthly Bill Reference number

    How long does it take for a payee corporation to be listed in Maybank2u.com?

    If there is no "check digit" or complicated technical requirements, it takes about one month from the date your documents are submitted for processing. Currently, we have two submission dates for processing - the13th and 29th of every month. For example, if we receive your submission on the 8th of the month, it will be sent for processing on the 13th.

    Whom should the customer contact if there is a dispute?

    Customers will have to liaise directly with the payee corporation. The payee corporation can then contact our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (overseas) or its Maybank2u.com Account Manager.

Maybank2u.com Registration FAQs
  • What if I am not a Maybank2u.com user How can I register?

    If you are not a Maybank2u.com user, you must first register as a Maybank2u.com user to activate your Maybankard Visa Debit online purchasing service.

    Who can register as a Maybank2u.com user?

    1. A customer with a Maybank ATM / Credit Card linked to his/her account.
    2. A customer with a Maybank account or Credit Card with Online Banking facility.

    I am a Maybank customer with a Maybankard Visa Debit/ ATM/credit card. How do I register as a Maybank2u.com user?

    1. Go to any Maybank ATM.
    2. At the main menu, select Maybank2u Services.
    3. Select Maybank2u Application.
    4. Key in your own 6 digit Maybank2u.com Personal Identification Number (PIN).
    5. Key in the same PIN again to confirm. For security reasons, your PIN will not be printed on the receipt.

    How to login to www.maybank2u.com for a 1st time user?

    1. Go to www.maybank2u.com
    2. Select Login, continued by Login for new users.
    3. Read the Terms and Conditions carefully and click on the Accept button.
    4. The Welcome page will appear. If you do not see this page, your browser may need to be upgraded.
    5. In the Access Number field, enter the ATM/credit card number that you keyed in when you applied for your Maybank2u.com PIN at the ATM.
    6. Enter the 6 digits Maybank2u.com PIN that you selected and click Activate.
    7. A new login screen will appear. Select your preferred username and password. Please use this username and password for all future access to Maybank2u.com.
    8. To pay bills with other credit cards (not Maybank), login and select ‘Add/Remove Credit Card' under ‘Payments'.
Maybankard Bankcard FAQs
  • What should I do if my Maybankard Bankcard is retained at an ATM?

    A card may be retained due to a blackout or mechanical error. If it was retained at a Maybank branch, you are advised to contact the branch before collecting the card. If the card is not collected within 3 days, the branch will send the card back to your home branch. If the card is not collected within 3 months, the home branch will cancel this facility and destroy the card for security reasons.

    If the card was retained at an off-bank Kawanku ATM, you may collect the card at a Servicing Team branch. Contact the nearest Maybank branch to enquire about the Servicing Team. If the card is not collected within 3 days, the Servicing Team will send the card back to your home branch. If the card is not collected within 3 months, the home branch will cancel this facility and destroy the card for security reasons.

    If the card is retained at a MEPS ATM, they will send the card to the particular bank's Head Office and from there to MEPS and then to the Maybank ATM Centre. The ATM Centre will send the card to your home branch. You are advised to contact the home branch or ATM Centre. If the card is not collected within 3 months, the home branch will cancel and destroy the card for security reasons.

    What causes the Maybankard Bankcard to be deactivated?

    Some possible reasons are that you have withdrawn more than the limit, or have keyed in the wrong PIN number at the ATM.

    Can I use my Maybankard Bankcard overseas?

    Yes, you can use your Maybankard Bankcard (if it is of the 5887 xxxx xxxx xxxx series) at all overseas ATM/retail outlets bearing the VISA PLUS/VISA INTERLINK logo. You should use the same PIN to access these overseas ATMs and retail outlets. The maximum amount that can be withdrawn per day is RM3,000 in the foreign currency equivalent. The amount will be debited from your account in Ringgit based on the conversion rate as at the time of settlement.

    What should I do if I would like to change my address?

    Please visit any Maybank branch or Maybank ATM Centre to complete a report form, or you may submit an official request to the ATM Centre.

    If I apply for a Maybankard Bankcard, can I direct someone to collect the PIN on my behalf?

    For security reasons, the Bank does not allow a third party to collect the PIN. You will need to collect the PIN yourself.

    Can I request the PIN to be redirected to a Maybank branch nearest to my office for my collection convenience?

    Yes, you can, provided you state your request at the time of application and inform the attending officer to include it in the report form.

    How can I get my Maybankard Bankcard replaced if it is lost, stolen, damaged or faulty?

    Please visit any Maybank branch to have your Maybankard replaced. The replacement cost is RM12.

    Will I be reimbursed if a fraudulent transaction occurs via my Maybankard Bankcard?

    Report the matter to the nearest Maybank Sales and Service Centre (SSC) or call the Maybank ATM Card Centre immediately. The bank will investigate the matter before making a decision to reimburse. Upon completion, the branch will direct the case to the ATM Centre for further investigation. You will be duly informed on the outcome of the findings.

    I have received a letter from Maybank stating that have they declined my request for a reimbursement for the unauthorised withdrawals disputed by me. What further recourse do I have?

    You may refer your dispute to the Financial Mediation Bureau at:

    Mediator,
    The Financial Mediation Bureau,
    Level 25, Dataran Kewangan Darul Takaful,
    No. 4, Jalan Sultan Sulaiman,
    50000 Kuala Lumpur.
    Tel: 603-2272 2811
    Fax: 603-2274 5752
    Website: www.fmb.org.my

    I am a foreigner. Can I use my magnetic-strip ATM card at Maybank ATMs?

    Yes, but only for cash withdrawals and balance inquiries. Please look for the Plus and Cirrus logos to perform such transactions.

    When using my Maybankard Bankcard at the ATM, the screen says "card is invalid". Why is this, and what should I do next?

    You may be using your card at a non-Bankcard compliant ATM i.e. a foreign bank. Please check for a Bankcard logo to indicate usage. If your Maybankard Bankcard still does not work at a Bankcard compliant ATM, the card might be faulty or blocked. You can contact any Maybank Sales and Service Centres (SSC) to have your card replaced immediately.

    When using my Maybankard Bankcard at the ATM, the screen says "your transaction cannot be processed". Why is this, and what should I do next?

    This would mean that your Maybankard Bankcard has been deactivated for possible security reasons. Please contact any Maybank Sales and Service Centres (SSC) to have your card reactivated immediately. However, if you have forgotten your PIN and cannot access the ATM, you will need to get your Maybankard replaced. A replacement fee of RM12 will be imposed.

    What happens if I cannot use my Maybankard Bankcard to perform an e-Debit transaction when paying for my purchase?

    If there are insufficient funds in your savings/current account, you will need to use cash or your credit card to pay for the transaction. To avoid such situations, you are advised to know your last balance in your respective accounts.

    What happens if I cannot use my Maybankard Bankcard to perform a MEPS Cash transaction when paying for my purchase?

    If there are insufficient funds in your MEPS Cash application, you can try using the e-Debit function to pay for the transaction. To avoid such situations, you are advised to go to the nearest Maybank ATM to top-up or load your MEPS Cash application in your Maybankard Bankcard. Cardholders can only use their Maybankard Bankcard MEPS Cash function at participating merchant/retail outlets that display the MEPS Cash logo.

Maybankard Credit Cards FAQs
  • What are the advantages of having multiple Maybank credit card memberships?

    The most obvious advantage is saving a huge amount on annual fees. Check each card's rates and fees for details.

    How do I apply for a Maybank credit card?

    You may do so right here on our site, print out an application form, or pick up an application form at any of our branches or partner outlets.

    How many Maybank supplementary credit cards can I have?

    You can have up to ten (10) supplementary cards. Choose to nominate a credit line and have the bill combined with yours or sent to the supplementary cardholder(s) separately.

    How can I check the status of my application?>

    Just call our Customer Service hotline at 1-300-88-6688.

    How do I apply for credit card balance transfer?>

    Just visit any of our branches to apply.

    What number should I call if I lose my Maybank credit card?

    Please report the loss to 03-2072 1373. 

    What should I do if I did not receive my monthly credit card statement?>

    Please call our Customer Service at 1-300-88 6688 for help.

    How do I read my Maybank credit card statement?

    As a principal Maybankard credit card cardholder, you will receive a statement of your card account each month. If you have opted for a joint principal and supplementary statement, your statement will include both the principal and supplementary cardmembers' expenditure and charges. Each expense is clearly separated and identified by name and card number.

    1. The date by which payment must be made to avoid late charges.
    2. The amount owing after all transactions for the month have been recorded.
    3. The minimum payment you are required to make for the month.
    4. A breakdown of your card activities.
    5. Bonus TreatsPoints earned at participating merchants.
    6. TreatsPoints earned, redeemed and accumulated to date.
    7. The latest news, updates and promotions.

    How do I increase my credit limit on my credit card?

    If you need an increase in credit limit, following the steps below:

    Step 1

    Download and fill in the Increase Credit Limit form.

    Step 2

    Attach the supporting documents:

    • Latest 3 months salary slip or
    • Latest BE form with official tax receipt or
    • Latest EPF statement
    • For self-employed: Latest 6 months Bank Statement and latest BE form with LHDN receipt (or proof of tax paid)

    Step 3

    Mail it to us at the address below or fax 03-7953 8640:

    Maybank Credit Card Centre
    7th Floor, Menara Maybank,
    100 Jalan Tun Perak,
    50050 Kuala Lumpur

    I missed the connecting flight purchased using my Maybankard credit card. Can I make a claim?>

    Should you miss your connecting flight and if no rescheduling is made within 12 hours of your incoming flight, you may claim for expenses incurred.

    Can I claim for luggage delay?>

    You may claim for purchase of essential requisites and clothings if your luggage does not arrive within 12 hours of arrival at the scheduled destination of your flight.

    What about lost luggage?>

    You may claim for purchase of essential requisites and clothings if your luggage does not arrive within 48 hours of arrival at the scheduled destination of your flight.

    What documents do I need to submit when making a claim?

    To facilitate claims, please include:

    • Sales draft showing that items in the claim including air ticket was charged to your Maybank Credit Card
    • Photocopy of air ticket
    • Relevant confirmation letter from the airline company
    • For flight misconnections, please include the sales drafts showing that accommodation, meals and refreshments were charged to your Maybank Credit Card
    • For luggage delayed or lost, please include sales drafts showing purchases of essential clothings and requisites were charged to your Maybank Credit Card

    Where do I submit my claims to ?

    Please forward them to:

    Maybank Credit Card Centre
    c/o Customer Service
    7th Floor, Menara Maybank
    100 Jalan Tun Perak
    50050 Kuala Lumpur

Maybankard Credit Care Plan FAQs
  • What does Credit Care Plan cover?

    It provides coverage for Death and Total Permanent Disability due to illness or accident.

    How does the Credit Care Plan protect you?

    The Plan ensures that the outstanding Credit Card balance of up to RM100, 000 per life, is settled in the event of Death or Total Permanent Disability under this Policy.

    How are the benefits paid?

    All benefits are paid in one lump sum for all outstanding Credit Cards balances subject to a maximum of RM100,000 per life that are covered under this Plan.

    What is the premium based on, and how do I pay?

    The premium payable shall be based on the outstanding Credit Cards balances shown on the latest statements issued and the premiums are charged to your monthly Credit Cards billing statements.

    Who are the owners and beneficiary of this Plan?

    Maybank is the Policy Owner and beneficiary of this Plan. A Certificate of Assurance shall be issued to the Credit Card Cardmember who enrols in this Plan.

    Who is eligible to apply for protection?

    Acceptance is guaranteed for all Principal Maybankard and American Express Credit Card Cardmembers aged 21 to 60 years old.

    What is the expiry age limit for this Plan?

    The expiry age limit for this plan is 65 years old.

    Are there exclusions to this policy?

    Yes, exclusions on death or total permanent disability are:

    • Death by suicide within twelve (12) months of the cover start date.
    • Pre-existing conditions - illnesses or ailments which existed during the twelve (12) months prior to the cover start date.

    Other standard exclusions for total permanent disability include:

    • War, whether declared or not, and riots.
    • Aviation except as a pilot, crew member or fare paying passenger on a scheduled air route or licensed chartered service.
    • Self-inflicted injury or suicide attempt (whether sane or insane).
    • Drug and/or alcohol abuse.
    • Dangerous avocations, pastimes and hobbies.

    How can the insurance be terminated?

    The insurance coverage can be terminated in the following manner:

    • Notification by Maybankard Centre that the insured cardmember's credit card has been cancelled.
    • The insured has attained the age of 65.
    • The insured's death or total permanent disability.
    • Non-payment of premium in respect of the insured for a period of 30 days after they have become due.
    • Written notice from Maybankard Credit Card Centre or the insured directing that the insurance be cancelled.

    When will the Credit Care plan take effect in my Credit Card?

    Please allow a minimum of 7 to 14 days for the first premium to be charged to your Credit Card billing statement upon receiving the application form.

    What happens if I convert my Credit Card from Gold Card to Platinum Card or from Visa to MasterCard?

    You will need to notify Maybank by fax to 03-7953 8640. Maybank will update the Credit Card number into the system and issue you a new Certificate.

Maybankard Credit Save Balance Transfer Programme FAQs
  • What is the recent interest rate reduction all about and why?

    It is an effort by both Bank Negara Malaysia and Banks to inculcate better credit management on credit card spending and repayments using a Risk Adjusted pricing that rewards low and medium risk cardmembers.

    What are the interest rates recommended vs. the current?

    The current ceiling for interest rate is at 17.5% p.a. on reducing outstanding balance. Moving forward, the industry has proposed reducing this to 13.5% p.a. for consecutive prompt paymasters and 16% p.a. for non-consecutive prompt paymasters.

    Who qualifies for 13.5% p.a. and 16% p.a.?

    Cardmembers who pay promptly for 12 consecutive months will qualify for 13.5% p.a. whilst cardmembers who miss the due date for one or two payments within a 12-month cycle will qualify for 16% p.a..

    What are the late payment charges?

    A minimum of RM5 or 1.00% on your total outstanding balance, whichever is higher, up to a maximum of RM75.

    How does this differ from the previous late payment charges?

    Previously, it was 1% of your minimum payment amount.

    How will I now be charged interest?

    If you pay a partial or minimum payment, you will be charged interest on your remaining outstanding balance and on whatever transactions posted between your previous and forthcoming statements.

    Is there still a 20-day interest-free period?

    Yes, but only if you settle your outstanding amount in your previous statement.

    When will the changes take effect?

    The changes are currently in effect.

    If I am enjoying the new interest rate and missed a month's repayment, will I enjoy the existing rate? How long before I can return to my previous rate?

    If you are currently enjoying the 15% interest rate and missed the due date for a particular month, your new interest rate would be 17%. Similarly, if you are enjoying the 17% interest rate and missed one month's payment on time, your new interest rate would be increased to 18%. Cardmembers who then pay promptly for 12 consecutive months will qualify for 15% p.a. whilst cardmembers who miss 1 or 2 due dates within the 12 month cycle will qualify for 17% p.a..

    Is this applicable to American Express charge cards?

    These new changes are not applicable to the American Express charge card. They are, however , applicable to the American Express Blue Box credit card line.

    How do you decide which transactions exceed the 20-day period to be charged?

    After your previous statement exceeds the 20-day interest-free period, all remaining balances on your card will be charged interest, even those which have yet to be included in the next statement.

    Can I choose which itemised transactions to pay for so that I can reduce the interest rate on big ticket items?

    No, as interest will be charged to all remaining balances on your card if you do not settle your balance in full before the interest-free period ends.

Maybankard.net Merchant Programme FAQs
  • What are the key components of Maybankard.net?

    We offer a payment acceptance solution to process MYR and USD currency transactions. Apart from a comprehensive range of user administration tools, reverse and refund, and transaction reporting, we provide value-added processing and security features of 3D security protection.

    In what currency does Maybank e-commerce credit card facility settle payments received by merchants?

    Currently we accept payments in MYR and USD currencies. Holders of overseas credit cards who shop at the site can settle transactions in USD. The issuing banks of such credit cards convert the payments into their respective currencies and charge the cardholders with such amounts. However, settlement to merchants by Maybank will be in Malaysian Ringgit (MYR).

    What are the charges for Maybank e-commerce credit card facility payment acceptance services?

    Merchants will need to pay a one-off set up charge, an annual service charge for Maybankard.net and transaction commissions based on the payments received.

    Do I have to install a shopping cart in my web site?

    We strongly recommend that you do. To operate e-commerce activities, web sites should have online catalogues that front their payment facilities which are known as shopping carts. Our payment services require the installation of a shopping cart on the merchant's site. You will need to liaise with any IT vendor or Internet Service Provider that provides the shopping cart facilities software.

    Do I need to have a web site before I can apply for your services?

    Yes, in order to implement the service, a merchant has to own and run a web site. However, at the time application, you don't need to have a running web site. You may contact us when the site is ready for publishing, or you may apply while your site is being developed.

    I am running online operations outside Malaysia. May I join?

    Currently we provide payment acceptance services to all businesses, organisations and charitable bodies registered in Malaysia only.

    My company operates more than one e-commerce site. Do I have to apply for multiple merchant accounts?

    Yes, our merchant ID is offered for use at only ONE web site. Merchants should apply for separate IDs for each of the sites they operate.

    What is 3D SSL?

    3D SSL is the new security requirement for online purchases based on new technology implemented by Visa known as 'Verified by Visa', and by MasterCard known as 'MasterCard SecureCode'. They are designed to provide online retailers the added security of having issuing banks authenticate their individual cardholders and qualify their online transactions for protection against "cardholder unauthorised" or "I didn't do it" chargeback. The objective is to ensure that only the cardholder can make online purchases via the Internet using his/her credit card.

    What is a chargeback?

    A chargeback is the forced reversal of a transaction by the credit card issuing bank. A chargeback takes place when notification is received from the cardholder's issuing bank stating that it has received a dispute notice from the cardholder, whose card had been charged by our merchants. In certain cases defence is possible (e.g. order denial while delivery is completed in deed) — given that merchants are able to provide adequate evidence. Sometimes (for example, fraudulent card usage) a chargeback is made immediately. Please note that excessive chargeback may result in the revision of service terms, service suspension or even termination.

    How does 'Verified by Visa' or 'MasterCard SecureCode' work?

    When a cardholder is on your checkout page, the 'Verified by Visa' or 'MasterCard SecureCode' service performs the following to ensure that the cardholder is authorised to make this transaction:

    • It initiates a pop-up box into which the cardholder enters a private code that is registered with the credit card issuing bank.
    • It passes the authentication value in your normal authorisation request procedures and, if approved, receives an authorisation that binds that customer to that transaction. This authentication value is transported using a Visa ECI and MasterCard UCAF data field.

    I already use SSL; why is 'Verified by Visa' or 'MasterCard SecureCode' better?

    'Verified by Visa' or 'MasterCard SecureCode' also uses SSL, but adds the important security function of confirming the identity of the Visa or MasterCard cardholder, creating a virtual "card present" environment. It is this important additional function that enables Card Issuers to provide your business with guaranteed payment.

    What's involved in implementing 'Verified by Visa' or 'MasterCard SecureCode' and how long will it take?

    You will need to integrate a Merchant Plug-In with your existing server, or your IT service provider may be able to do this on your behalf. There are no required changes to the customer-facing portion of your e-commerce application. On average, the whole process takes 3-5 man days. Maybank may provide assistance with this process.

    How will cardholders know that I have 'Verified by Visa' or 'MasterCard SecureCode'?

    A 'Verified by Visa' and 'MasterCard SecureCode' logo or participation mark must be featured on your web site.

    Once it is installed, what do I have to do?

    Nothing. The Merchant Plug-In automates the process with the Card Issuers.

    How much maintenance is required for the Merchant Plug-In?

    Like any software, the Merchant Plug-In may experience problems that require troubleshooting, and upgrades may be available from time to time. Maybank will provide the guide for these circumstances.

    How much longer does a 'Verified by Visa' or 'MasterCard SecureCode' transaction take?

    On average, the 'Verified by Visa' or 'MasterCard SecureCode' process adds 10-20 seconds to the total transaction time.

    How do I recognise a 'Verified by Visa' or 'MasterCard SecureCode' registered card?

    The Merchant Plug-In automates this process for you by checking with the Card Issuer to see if the card is registered and then automating the process for authentication.

    How do I treat cards that are not registered for 'Verified by Visa' or 'MasterCard SecureCode'?

    Process card transactions that don't have 'Verified by Visa' or 'MasterCard SecureCode' with the same precautions that you currently use, understanding that these transactions do not carry the same benefits of guaranteed payment as a 'Verified by Visa' or 'MasterCard SecureCode' transaction.

Maybankard Secure Online Shopping FAQs
  • What is MSOS Code for Online Transaction?

    MSOS Code for Online Transaction is a solution to enhance the Credit, Debit and Prepaid Card authentication during online purchases. The current standard online authentication by Verified by VISA (VbV) / MasterCard SecureCode are on 3D-Secure method which uses Static Password.

    MSOS Code is a One-Time-Password (OTP) for Online Transaction which is an extension of VBV/ MasterCard SecureCode, 3D-Secure solution which is fully adaptable to the 3D-Secure architecture & protocol defined by VISA / MasterCard. This new enhances security feature takes advantage of mobile communication by sending the MSOS Code to your registered mobile number with Maybank. You will be required to enter the MSOS Code online to complete the transaction.
    Maybankard's multiple layers of protection give you an extraordinary level of security, so you can feel confident whenever and wherever you use your card. Maybankard Secure Online Shopping (MSOS) is only one part of our multi-layer system to prevent, detect, and resolve security issues. It is specifically designed to make online shopping experiences safer and more secure and gives you an additional control over your Internet transactions.

    What is MSOS Code?

    MSOS Code is a Password which contains numerics that Maybank sends to your mobile phone via SMS. MSOS Code is for 1 time usage or for single transaction only.

    How does MSOS Code work?

    While making online purchases, you are directed to the Bank's authentication page to key-in the MSOS Code and Maybank will send the MSOS Code to your mobile phone via SMS. You need to key in your MSOS Code based on the SMS that Maybank sends to your mobile phone to complete the transaction.

    What is 3D-Secure?

    3D-Secure is an XML-based protocol used as an added layer of security for online Credit, Debit and Prepaid Cards transactions. It was developed to improve the security of Internet payments/purchases and offered to you, as the Verified by VISA and MasterCard SecureCode.

    When making online purchases, an authentication page will appear/pop-up and you will need to enter the MSOS Code to authenticate the transaction.

    What if I don’t provide or update my mobile number to Maybank, will I still be able to make online purchases?

    Without a registered mobile number with Maybank, you will not be able to make an online purchase from participating 3D-Secure Merchants, as Maybank will send the MSOS Code to the Cardholder based on the Bank's record.

    Why is there a need for MSOS Code to complete an online purchase?

    MSOS Code is an added security feature and improved the convenience of Internet transaction. The MSOS Code sent via SMS to your registered mobile number is a secured way to validate if the person initiating the online purchase is the rightful owner of the Credit, Debit and Prepaid Cards used for the intended purchase.

    How do I know whether my mobile number has been updated?

    When making online purchases, you will be directed to an authentication page before you confirm your purchases. On the authentication page, the first and last four digits of your mobile number will be shown on the screen. If it differs from your mobile number, please call our 24-hour Customer Service to update your contact details.

    Example:
    +6016 xxx 9999

    How can I update my contact details?

    You can call our 24-hour Contact Centre or visit any of our Maybank Group branches or Card Centre to update your contact details.

    General Line: 1-300-88-6688
    Platinum: 1-800-881-801
    Premier Card: 1-800-22-1111

    After I have updated my contact details, how long do I need to wait to do another online transaction again?

    You can do another online transaction immediately after you call our 24-hour Contact Centre to update your contact details (mobile numbers).

    However if you have updated your contact details through our branches, please allow 3 working days for processing.

    I am a Debit Cardholder do I need to update my contact details?

    Yes. As the service is opened to all Maybankard Cards, you will be required to update your mobile number in order to perform any online transaction.

    Upon making a purchase online, how long will it takes before I receive the OTP?

    You will receive your MSOS Code within 30-45 seconds.

    What if I do not receive my MSOS Code after confirming my purchase?

    Firstly, please confirm if you have verified the mobile number prompted on the authentication page earlier, as referred to in Question 8. If yes, please contact our 24-hour Customer Service for further assistance. Otherwise, you can click the ‘Resend MSOS Code' button in the authentication page. Please note that this option is limit to 3 times only.

    I am currently using the password/online PIN for my online purchases, will it still be applicable?

    No, the password/ Online PIN will no longer be applicable effective July 2011 as it will be replaced with MSOS Code.

    Where can I shop with MSOS?

    Look for the Verified by Visa or MasterCard Securecode logos at participating online stores.

    Can I get the benefit of MSOS security at online stores that are not participating in the service?

    No. However, more and more online stores are offering Verified by Visa or MasterCard Securecode. In the meantime, if an online store you trust is not yet participating, please follow safe online shopping guidelines.

    Is MSOS mandatory for all cards by Visa/MasterCard?

    Yes, it's mandatory.

    How can MSOS help protect me from online shopping risk?

    Maybankard Secure Online Shopping policy gives you protection against unauthorised use which confirms your identity with MSOS Code when you shop at participating online merchants.

    What risks are involved in shopping online?

    Shopping online is convenient and rewarding, and the vast majority of online transactions go through safely. You can protect your money and your identity by registering your mobile number with Maybankard Secure Online Shopping (MSOS).

    Can I use Maybankard Secure Online Shopping (MSOS) from any computer?

    Maybankard Secure Online Shopping (MSOS) works with just about any computer that's connected to the Internet. There is no special software to install. Once you activate your card, you may continue to shop as usual, and your Maybankard card number will be automatically recognised at checkout. Just enter your MSOS Code and complete the regular checkout process.

    What about my future replacement or renewal card? Will it be automatically renewed?

    Yes, we will automatically enroll all your future cards be it a replacement or renewal and there is no limit to the number of cards for the enrollment. The most important thing is to get your mobile number updated.

    Why some merchants did not ask for MSOS Code when I transact online?

    If the merchant is not on 3D Secure site, you will not be asked for MSOS Code. The MSOS Code will only be asked for transactions at 3D Secure merchant site.

    Can I make an on-line transaction overseas?

    Yes you can but please ensure that you mobile phone is on roaming service as the MSOS Code is sent to your mobile phone number registered with us.

    Is the mobile phone number used is the same with my mobile number to receive TAC from Maybank2U?

    Yes. It is the same.

    If I don't have a mobile, can I receive the MSOS Code?

    No, without the mobile number, you won't be able to get the MSOS Code.

    If I am a Malaysian staying overseas and my mobile is not on roaming mode, can I still receive the MSOS Code?

    No, without the Malaysian registered mobile number on roaming, you won't be able to receive the MSOS Code.

Maybankard Touch 'n Go Zing FAQs
  • How is the Zing Card linked to my credit card?

    As a companion card, cardholders will be billed through their credit card:

    • 0 value Zing Card - first activation at toll plaza
    • RM10 for one-time issuance fee
    • Automatic reload amount of RM100
    • Automatic reload fee of RM2
    • Usage of Zing Card at any facilities displaying Touch 'n Go logo

    Can I link the Zing Card to all the three credit card brands?

    Yes, you can link your Zing Card to Maybankard AMEX, Visa and MasterCard.

    Can I apply for more than one Zing Card for each brand (Visa/MasterCard or AMEX)?

    For the time being, only one Zing card is allowed per card brand i.e. one Zing card linked to one Maybankard Visa, MasterCard or AMEX.

    Can my supplementary cardholder apply for the Zing Card?

    Yes, the Zing Card will auto-link to each supplementary credit card accordingly — Maybankard Visa, MasterCard or AMEX.

    Can I change the link from MasterCard to Visa/AMEX or vice versa anytime?

    Yes, you can. Please call the Maybank Group Customer Care at 1-300-88-6688 to do so.

    What is the validity period of the Zing Card?

    The Zing Card is valid up to 10 years from the date of issuance.

    What other facilities accept the Zing Card besides Toll Plazas?

    Use the Zing Card at payment facilities that display the Touch 'n Go logo, such as:

    • Car parks at certain shopping complexes
    • Light Railway Transit (LRT) train stations
    • Buses that feature the Touch 'n Go logo
    • Selected theme parks

    Can the auto reload be done at all these facilities?

    At the moment, the auto reload function can be only done at Touch 'n Go lanes at Toll Plazas.
    (Note: Performing the auto reload at Smart Tag lanes will cause your card to be deactivated. You can, however, use the Zing Card with the Smart Tag after it has been reloaded.)

    What happens if my Zing Card is lost or stolen? How can I get it replaced?

    Please report the loss immediately by calling our 24-hour hotline at 1-300-88 6688 or 1-800-88 3231.

    Can I request for a temporary block if my Zing Card is lost or stolen?

    Yes, you can. We will block it for a maximum of 24 hours and you will have to call us to uplift if you manage to recover the card. You will then need to reactivate the Zing Card at selected Touch 'n Go POS counters as attached or log in www.touchngo.com.my. However, beyond 24 hours, we will automatically block it on a permanent basis as a security measure, and you will have to go through the lost card process for its replacement.

    When can I get a replacement for my lost/stolen card?

    If you're in the Klang Valley, you should get a replacement within 48 hours of card issuance. If you're outside the Klang Valley, it should take between 3 to 7 days.

    • A replacement card with zero value will be issued.
    • You will need to activate the card at a Toll Plaza for auto reload.
    • If there is any unused balance in your lost/stolen Touch 'n Go Zing Card, the balance will be refunded to you within 30 days and a processing fee of RM5.00 will be deducted from your old Touch 'n Go Zing Card.
    • The amount will then be credited back to you within 30 days.
    • A replacement card fee of RM10.00 is applicable.

    If I have lost my credit card or changed my credit card number, can the Zing Card auto link to the new card?

    Yes, it will auto link.

    Can I transfer the balance of the old card to the new card?

    No, not at the moment. However, the balance will be credited to your account upon request. The new card will be zero value and you will need to first activate it at a Touch 'n Go lane at a Toll Plaza.

    How long does it take to refund the balance of the Touch 'n Go value?

    Please allow 30 days for refunds.

    If there is a dispute transaction, what should I do?

    Please follow the normal dispute process and call 1-300-88 6688.

    How can I check the available balance on my Zing Card?

    • If you are a SmartTag user, you may insert the card into the SmartTag slot and press the balance button.
    • You may present the card to any T'nG POS Counter and request for a balance check.
    • You may call the Touch 'n Go Careline Centre at 03-7628 5115 to obtain your available balance of your Touch 'n Go Zing Card as per the last transaction within 24 hours.
    • You may check the balance of the Zing Card at the Touch 'n Go website:
      1. Log in to www.touchngo.com.my
      2. Register and obtain a password for your free e-statement
      3. View the 24-hour Zing Card transaction

    Can I check the balance of the Zing Card at Maybank ATMs?

    No. Please refer to Q17 for ways to check your available Zing Card balance.

    I would like to terminate my Maybankard credit card. Can I continue to use my Zing Card?

    Your Maybankard credit card and T'nG Zing Card are linked, so you won't be able to auto reload your Zing Card after cancelling your Maybankard credit card.
    (Note: You are required to utilise the unused balance of your Zing Card within 3 months from the date of your Maybankard credit card cancellation.)

    How will my reload fee be featured in my credit card statement?

    The statement will record your auto reload transaction as follows:
    E.g. 28 August 2007Touch 'n Go Auto ReloadRM102

    Can I autolink my other Financial Institution's Zing Card to my Maybankard credit card?

    No, you may not as that Zing Card is already linked to the other Financial Institution's system.

    What should I do if my Zing Card is faulty?

    Please call the Touch 'n Go Careline Centre at 03-7628 5115 (7am to 7pm) to find out about the problem.

    Why is my Zing Card not auto reloading?

    There could be a few reasons to this situation:

    • Hotlisted (i.e. lost credit card, and others)
    • Faulty/Defective Card
    • Auto-reload function done via Smart Tag (This system error only occurs at the Smart Tag 'entry' lane of a closed toll system (e.g. PLUS, Elite & ECE) when your amount is below RM50. A closed toll system is where you collect your ticket at the Entry Point and pay at the Exit Point e.g. Entry - Seremban and Exit - Sg Besi)

    What should I do to re-enable the auto reload facility?

    Visit any Touch 'n Go Service counter to reactivate the auto reload facility in your card.

    Where else I can go if I cannot go to a Touch 'n Go service counter?

    Currently, the reactivation can only be done at Touch 'n Go service counters.

    Can I send a third party to reactivate my Zing Card at the Touch 'n Go service counter?

    Yes, you may. All you need to do is to present your Zing Card.

    How long must I wait before I can use the Zing card after its reactivation?

    Immediately. However, you need to use the Zing Card at Touch 'n Go lanes first to reactivate and not Smart Tag lanes to auto reload your Zing Card.

    Can I use the Zing Card at Smart Tag lanes after it has been reactivated?

    Yes, you may after you have re-activated the Zing Card at Touch 'n Go lanes (Entry Point). Upon which you can exit with the Zing Card at Smart TAG lanes. Subsequently, you can use the Smart Tag facility as usual.
    (Note: You need to use the card at a Touch 'n Go lane before your balance reaches RM50 for the next auto reload.)

    I am a frequent Smart Tag user. When can I start to reload my Zing Card at the Smart Tag lane to auto reload, instead of switching to the Touch 'n Go lanes to auto reload?

    The system is currently unable to perform the auto reload function at Smart Tag lanes. We are, however, enhancing the system to incorporate this function and will notify you once it's done.

Maybankard Visa Debit FAQs
  • What is Maybankard Visa Debit?

    Maybankard Visa Debit is an enhanced ATM (Automated Teller Machine) card. It can be used to withdraw cash from ATMs, and at the same time function like a credit card. It can be used to make purchases at merchant locations such as petrol stations, grocery stores, retail stores and restaurants, including overseas merchants and even on the Internet. When MAYBANKARD VISA DEBIT is used to make purchases or cash withdrawals at ATMs, funds are deducted from the customer's account, directly accessing the money in the customers' deposit accounts prevailing interest rate can be continued to be enjoyed on the Savings Account.

    Maybankard Visa Debit carries a 7 year validity period and renewal should be done before the expiry date indicated on the card.

    How and where to get the Maybankard Visa Debit?

    • Visit Maybank branch nearest to you
    • Fill up the application form and choose Maybankard Visa Debit when you open a Current or Savings Account
    • Existing Current and Savings Account customer who is holding Maybankard BankCard can convert to Maybankard Visa Debit

    Where and how can I use my Maybankard Visa Debit?

    You can use your Maybankard Visa Debit at any Merchants with Visa logo, accepted at over 29 million locations worldwide. You can also use your Maybankard Visa Debit at any merchants with BankCard logo accepted at over 26,000 locations locally via your ATM pin.

    For ATM transaction, you can use it at any ATM that displays the BankCard or Visa Plus logo in overseas.

    What is my daily spending limit?

    For security control, Maybankard Visa Debit cardholders are provided with an option to choose a daily spending limit for their retail purchases under the VISA platform which is signature base as follows:

    • 0
    • RM500
    • 5,000 (Maximum)
    • Specify amount (RM 1 to RM 5,000) ie RM 10, RM 20, RM 50, RM 100

    Under the Bankcard platform which is PIN based, the daily spending limit is defaulted to RM5,000.

    How long does it take to receive a Maybankard Visa Debit?

    You will get your Maybankard Visa Debit instantly when you apply.

    What if there are two or more signatories (joint account) on my Current or Savings Account?

    Joint account holders need to apply for separate Maybankard Visa Debit (two applications). Separate cards allow each cardholder's transactions with different spending limit, and it allows you to have separate PIN and signature. Joint Savings account holders with "Both to sign" will not be able to apply for Maybankard Visa Debit. There are no supplementary cards for Maybankard Visa Debit.

    What are the instances where holding-of-funds transaction is done to my account?

    • Hotel - Amount depends on the duration of stay whereby on check-in, pre-authorization amount will be charged. During check-out, the pre-authorization amount will be reversed and the actual amount will be charged.
    • Petrol transaction at the pump (outdoor) - Pre-authorization amount is RM150 to RM 200. Pre-authorisation amount will be charged to customer's banking account during the fill-up. The pre-authorisation amount will be reversed back and the actual filled-up amount will be charged to customer's bank account once the bank receives the actual filled-up amount from the acquiring bank. Average pre-authorization holding day is 3 to 5 days. Kindly advise the cashier the actual amount to consume to avoid pre authorization holding amount.

    Can I use my Maybankard Visa Debit outside Malaysia?

    You can use your Maybankard Visa Debit abroad provided you activate the overseas flag prior to your departure. The activation process can be done through our Maybank ATMs or through our 24 hours customer service center at 1-300 88 6688. Your Maybankard Visa Debit can then be used for retail purchases at any Visa logo merchants. You can also withdraw cash or make account balance enquiries at any ATMs overseas bearing the Visa Plus logo.

    How do I renew my Maybankard Visa Debit?

    Prior to the expiry date, you will be reminded to renew your Maybankard Visa Debit through the ATM. You need to visit the nearest Maybank branches to obtain your replacement card instantly.

    What should I do if my Maybankard Visa Debit is stolen or lost?

    You can immediately:

    • Report to Maybank's 24 Hours Customer Service Center at 1-300 88 6688 within Malaysia or 603-78443696 outside Malaysia or
    • Cancel the Maybankard Visa Debit yourself by login to Maybank2u.com or
    • Visit any Maybank branches and make a report

    What security features does the Maybankard Visa Debit possess?

    • Smart chip: The Maybankard Visa Debit uses the latest smart chip technology, thus ensuring your card is more secure.
    • Authorisation required: You must sign the amount to approve payment.
    • Preset Purchase limit: The default preset purchase limit is RM500. You can deactivate or lower/Increase this limit at any Maybank ATM (ie RM50, RM150)

    Why are my Maybankard Visa Debit transaction declined?

    • Insufficient funds in your account (Savings or Current)
    • Insufficient funds due to withholding of the pre authorisation amount at Petrol station, Hotels and Hospitals.
    • Transaction amount(s) are more than the daily purchase limit set which is defaulted to RM 500 per day. You may increase / decrease the daily purchasing limit at any Maybank ATM's or Branches.
    • Insufficient funds in Primary Account. This happens when you have 2 Maybank account (Current and Savings linked to each other)
      • Maybankard Visa Debit is only tagged to one primary account.
      • Saving account will be defaulted to be Primary account and Current account as secondary account.
      • Should you have insufficient amount in Savings account, you need to transfer the amount from your Current account into Saving account before using the card.
    • If your transactions declined in overseas, you may not have activated the Overseas Flag. You can call Maybank Group Customer care at +603-7844 3696 (outside Malaysia)

    Will there be any charges imposed by Maybank for Maybankard Visa Debit?

    Yes and No.

    • Yes. The charges are:
    New Account Free
    Card Replacement  
    • Faulty chip
    Free
    • Renewal (after 7 years expiry date)
    Free
    • Conversion from Maybankard Bankcard to Maybankard Visa Debit
    RM12
    Replacement of Maybankard Visa Debit after:  
    • Loss or theft of card
    RM12
    • PIN has been forgotten or compromised
    RM12
    • Damage due to cardholder's misuse
    RM12
    • No. There are no charges imposed on retail purchases via Maybankard Visa Debit.
Maybankard Visa Wave FAQs
  • What is the difference between Maybankard Visa Wave and other Maybankard credit cards?

    Visa Wave credit card is read via a contactless reader (known as a "dongle") for transactions less than RM150. Any amount more than RM150* will be transacted via an EDC machine and a signature will be required.

    Do I need to hand over my Visa Wave card to a cashier?

    No. Just hold your card within 4cm of the reader and your card will be detected.

    How easy is it for someone to pick up my credit card number via a wireless communication?

    Visa Wave is designed to be highly secure, with multiple layers of encryption and fraud detection. The card's signal is designed to operate over short distances to avoid interference and interception.

    Where can I use my Maybankard Visa Wave credit card?

    Visa Wave can be used at merchants that accept the wave card. These merchants will feature a contactless reader known as a 'dongle'.

Notice of Reduction in Credit Card Interest Rates FAQs
  • What is the interest rate reduction all about and why?

    Both BNM and Banks have revised further the credit card interest rate and came up with the lower interest whereby the interest rate on  outstanding credit card balances between 0.5% and 1.5 % effective March 31, 2009. This is to inculcate better credit management on credit card spending and repayments especially in this challenging economic situations.

    What are the interest rates recommended vs current?

    The current tier for interest rate is at 18% for Tier I, 17% for Tier II and 18% for Tier III. Moving forward, the industry is proposing to revise downwards to 13.5% for Tier I, 16% for Tier II and 17.5% for Tier III.

    CURRENT INTEREST RATES NEW INTEREST RATES
    15%   Tier -I (Those who promptly settle monthly minimum payments for retail purchases for 12 consecutive months) 13.5%   Tier -I (Those who promptly settle monthly minimum payments for retail purchases for 12 consecutive months)
    17%     Tier – II (Those who promptly settle minimum payments for 10 months or more in a 12-month cycle) 18%   Tier – III (Those outside the Tier-I and Tier II categories) 17.5%   Tier – III (Those outside the Tier-I and Tier II categories)

    Who qualifies for 13.5%, 16% and 17.5%?

    Cardmembers who pay promptly settle monthly minimum payment for retail purchases for 12 consecutive months will qualify for 13.5% per annum. Those Cardmember who promptly settle minimum payments for 10 months or more in 12 month cycle will qualify for 16%. Cardmembers who does not fall under Tier I and Tier II qualify categories for Tier III - 17.5%.

    What are the late payment charges?

    A minimum of RM5.00 or 1% of the total outstanding balance, whichever is higher, up to maximum of RM75.00.

    How does this differ from the previous late payment charges?

    Previously it was at RM10.00 minimum and up to maximum of RM 100.00.

    How will I now be charged interest?

    If you pay on partial or minimum payment to your outstanding balance, you will be charged interest on remaining outstanding balance and on whatever transactions posted between your previous and forthcoming statements.

    Is there still a 20 days interest free period?

    Yes, but only if you settle your outstanding amount in your previous statement.

    When will the changes take effect?

    The changes have taken effect from 31st March 2009.

    If I am enjoying the new interest rate and missed one month repayment, will I enjoy the existing rate? How long for me to return to my previous rate?

    If you are currently enjoying the 13.5% interest rate and missed one month your new interest rate would be 16%. Similarly, if you are enjoying the 16% interest rate and missed one month payment on time, your new interest rate would be increases to 17.5%. After which cardmembers who pay promptly for 12 consecutive months will qualify for 13.5% p.a whilst cardmembers who may miss 1 or 2 payment due date within 12 month cycle, will qualify 16% p.a

    Is this applicable to Amex Charge card?

    These new changes are not applicable to the Amex Charge card. It is however applicable to the Amex Blue Box credit card.

    If I am a full paymaster all this while but for this month I have settled partial payment on the total outstanding balance, will I enjoy 20 days interest-free period?

    Yes, you will enjoy 20 days interest-free period if you have settled full for all the previous month.

Online Purchase With Maybankard Visa Debit FAQs
  • Can I make online purchases with Maybankard Visa Debit?

    Yes, but first you need to enroll your Maybankard Visa Debit in our Maybankard Secure Online Shopping (MSOS) programme through Maybank2u.com.

    What is MSOS?

    Maybankard Secure Online Shopping (MSOS) is an additional authentication protocol developed for safer online transactions when using your MasterCard and Visa Card. The programme is known as ‘Verified by Visa' and ‘MasterCard SecureCode'.

    What are the benefits of MSOS?

    • Safer transactions via an additional password to go with your Credit or Debit Card details when shopping online.
    • Makes internet Credit or Debit Card payments secure by facilitating an online connection etween Cardmembers and Maybankard at the time of purchase. It protects both  cardmembers and retailers and reduces the risk of fraud transactions.
    • It's a free service with an easy, almost immediate activation.
    • Improve Cardmembers trust and confidence in
      purchasing goods online.

    Do I need to register MSOS each time I want to make an internet/online purchases?

    No, you only need to register MSOS once.

    How will I know if my MSOS registration is successful?

    Successful registration screen will appear once registration is successful and complete.

    What if I forget my MSOS password?

    You will be required to re-register within the system and it will override your previous password.

    Can I use Paypal to pay for my Maybankard Visa Debit online purchases?

    Yes you can.

Singapore Airlines Krisflyer American Express Gold Credit Card FAQs
  • Is my credit limit shared among my supplementary accounts / my other Maybank Credit Cards?

    Yes, your credit limit is a Maybank Combined Credit Limited. It is shared with your supplementary accounts, as well as any other credit cards that you may have with Maybank.

    How are my KrisFlyer miles transferred?
    All your KrisFlyer miles earned on your credit card will be transferred into your KrisFlyer account (which resides with Singapore Airlines) on a monthly basis after statement date.

    Do my Supplementary Card transactions earn KrisFlyer miles too?
    Yes, your supplementary cards will earn KrisFlyer miles too. All KrisFlyer miles earned by the Supplementary Card will be pooled under the Principal Card account.

    When will the 3,000 KrisFlyer miles be awarded to me?
    It will be awarded into your KrisFlyer account directly upon your 1st transaction. However, it not be reflected in your Credit Card statement.

    Do I get another 3,000 KrisFlyer miles when my Supplementary Card is swiped for the first transaction or upon receipt of my replacement / renewal Card?
    No, this Activation Offer is only applicable to Principal Cardmember upon their first spend on Card account.

    What does “lounge access” mean?

    Lounge Access refers to entry into the Plaza Premium Lounge located in KLIA. At the lounge, you will have access to common facilities such as:

    • Freshly prepared hot food
    • Coffee, tea, cappuccino and juices
    • Free flow of beer
    • Shower facilities with amenities (towel and shower gel)
    • High-speed Internet access
    • Computers and workstations
    • Movies/TV
    • Massage chair
    • Golf putting area

    How many times will I get to enjoy the lounge access?

    It is an unlimited access. Cardmember only need to present the Krisflyer American Express Credit Card to access the Plaza Premium Lounge.

    What if I am already an existing KrisFlyer member?
    If you are an existing KrisFlyer member, please indicate your KrisFlyer member number on the application form and the miles you earn on your Singapore Airlines KrisFlyer American Express Gold Credit Card will credited to your KrisFlyer account.

    Do I have to be a KrisFlyer member to sign up for this Card?

    If you are not an existing member, you will be enrolled and given a KrisFlyer membership number when you apply for a Singapore Airlines KrisFlyer American Express Gold Credit Card.

    Will I get to see the KrisFlyer miles earned on my credit card statement?
    Yes, the miles earned will be reflected on your monthly billing statement (under “Miles earned for the Month”). All earned miles will then be transferred to your Singapore Airlines KrisFlyer Account (you can view the transferred miles under “Miles Transferred for the Month”). You can obtain the most up-to-date balance from your KrisFlyer online account with Singapore Airlines.

    When will my miles earned on the KrisFlyer Credit Card be reflected on my KrisFlyer online account?

    Miles earned from your Credit Card spend will be shown on your KrisFlyer online account 14 working days after your Credit Card statement date.

    If there is a discrepancy in my KrisFlyer miles, who do I contact?
    For enquiries on KrisFlyer miles, please call KrisFlyer Membership Services at +65 6789 8111.

    How do I check the status of my KrisFlyer account?
    You can check your status online at www.krisflyer.com

Other Services FAQs
Properties Under Auction FAQs
  • What is a Public Auction of property?

    It is a public sale of property through open and competitive bidding. The property will be sold to the highest bidder.

    What are the advantages of purchasing property at Public Auction?

    Some of the advantages are:

    • Properties are usually offered at a very competitive price
    • Public Auction is conducted in an open and transparent manner. The person who bids the highest will be the successful bidder and purchaser of the property.

    How should I prepare to bid for a property at a Public Auction?

    Here are some basic tips you should know if you are interested to bid at a Public Auction:

    • Inspect the subject property. Prospective bidders can make arrangement with the listed Auctioneers to view the property (externally only) before the auction. Anyone who is unsure or has doubts about a property is recommended to seek professional advice. The listed Auctioneers will be pleased to recommend a professional firm to you.
    • Request for a copy of the Proclamation of Sale and Information Pack or Flyer from the listed auctioneers (at no cost). The Proclamation of sale, Information Pack or Flyer will include details of the property such as particulars of title, size, reserve price and photograph of the property.
    • Do your due diligence. Conduct the relevant search and inquiry in respect of the subject property with Land Office, relevant authority and developer prior to auction sale. Have your lawyer to review the conditions of sale listed in the Proclamation of Sale.
    • Arrange financing. You must know before bidding whether you have cash in hand for down payment or your entitlement for withdrawal from Employee Provident Fund ("EPF") and your bank loan entitlement. If you require financing assistance, speak with our representative at any branches and we'll do our best to assist you. We will also station our representatives at the auction venue to attend to any of your queries regarding financing.

    What do I need to bring to the auction in order to bid?

    • Your Identity Card ("IC") to for identification and registration as a bidder (individual bidder)
    • A nomination letter (if a 3rd party had nominated you to bid on their behalf)
    • Certified copy of M&A, Form 24 & 49 and BOD resolution (corporate company/firm)
    • Where the auction is conducted at the High Court or Land Office, the deposit required is 10% of the Reserve Price payable in the form of a Bank Draft / Banker's Cheque to Malayan Banking Berhad /Maybank Islamic Berhad. For an auction of property conducted at venues other than the High Court or Land Office (for e.g. Auction Houses), where Malayan Banking Berhad/Maybank Islamic Berhad is the Assignee, the deposit required is 10% of the Reserve Price payable either in the form of a Bank Draft / Banker's Cheque to Malayan Banking Berhad/Maybank Islamic Berhad or payable by Credit Card (Master or Visa). For payment vide Credit Card, a surcharge of 2% of the amount charged to the Credit Card will be imposed. Cheque issued by individual or company would not be accepted for payment.
    • Additional money (Cash or Credit Card) to pay for the difference between the deposit of the Reserve Price and 10% of the successful bidding price.
    • Details of solicitor you intend to appoint to represent you in this purchase.

    What if I can’t attend the Public Auction?

    If you are unable to attend the public auction, you can appoint your representative via a nomination letter. You can obtain the format or sample of the nomination letter from the listed auctioneers.

    What do I need to do on the auction day?

    It is advisable that you arrive early at the listed auction venue (at least 30 minutes prior to the time of auction). By doing this, you will have sufficient time to review details of the property and to register with the Auctioneer or High Court or Land Office (whichever is applicable). Representative of the auctioneer will be on present before and during the auction to answer any queries and provide any assistance. Although there is no obligation to bid at an auction, all prospective bidders are require to be registered in order to bid.

    To register, you will need to furnish the following:

    1. Your Identity Card; and / or
    2. Letter of Nomination (if you are bidding on behalf of a 3rd party);
    3. A 10% deposit of the Reserve Price payable either in the form of Bank Draft / Banker's Cheque made payable to Malayan Banking Berhad/ Maybank Islamic Berhad or by Credit Card (Master or Visa) if the auction of property is conducted at venues other than the High Court of Land Office (for e.g. Auction Houses) where Malayan Banking Berhad/ Maybank Islamic Berhad is the Assignee; or
    4. A 10% deposit of the Reserve Price payable in the form of Bank Draft / Banker's Cheque made payable to Malayan Banking Berhad/Maybank Islamic Berhad if the auction is conducted at High Court or Land Office.

    What do I have to pay on the day of auction in the event I am the successful bidder?

    You would be required to immediately after the auction pay the difference of the 10% of the concluded purchase price, after taking into account the deposit that was deposited earlier before the start of the auction.

    The balance of the concluded price shall be paid in full to Malayan Banking Berhad/Maybank Islamic Berhad within 90 days from the date of the sale.

    In the event you fails to pay the balance of 90% within 90 days from date of the sale the deposit of 10% shall be forfeited by the bank.

    What happens if I need further clarification or if I have other questions?

    Just ask us. You can e-mail to us at mimran@maybank.com.my or aidasuhaila@maybank.com.my or you can contact any of the listed auctioneers. Each auction listing on our website has the name of auctioneer, date of auction, auction venue and time.

Instant Top Up FAQs
  • How will I know if my Hotlink top-up is successful?

    The recipient will receive Hotlink SMS confirmation upon successful top up. Alternatively, type Enq<space><recipient mobile no.> and send to 33682 to make an enquiry. RM0.30 charge per sms enquiry.

    How can I check my previous top up transaction?

    You can view your transaction details saved in M2U History.

    Will there be any cost when I enquire about transaction status?

    Yes. You will be charged RM 0.30 per sms enquiry.

    What if I top up an invalid or postpaid phone number by mistake?

    Your top up will fail and you will be refunded the transaction amount within 7 working days.

    What if I top up a valid prepaid phone number by mistake?

    Your top up will be successful and the amount is non-refundable.

    Will I be able to top up if I am overseas?

    You will be able to top up your local account upon accepted transaction, but you may not be able to receive the successful SMS notification.

    How soon will I know the transaction status?

    You should receive SMS confirmation within 10 minutes after the transaction is accepted. If you don't receive this, you can make an sms enquiry (RM0.30 per sms) or if the transaction failed, you will be refunded within 7 working days.

Loans FAQs
Government Guarantee Schemes FAQs
  • Who can apply for the WCGS and IRFGS?

    Companies from all economic sectors, incorporated under the Companies Act 1965 with at least 51% shareholding by Malaysians, can apply for the Industry Restructuring Financing Guarantee Scheme (IRFGS).

    For the Working Capital Guarantee Scheme (WCGS) companies from all economic sectors, incorporated under the Companies Act 1965 with at least 51% shareholding by Malaysians are eligible. The company's Shareholders' Fund should also not exceed RM20 million.

    Terms and Conditions apply for both schemes.

    Can companies registered as sole proprietorships or partnerships apply for the WCGS and IRFGS?

    Sole proprietorships and partnerships are not eligible for the WCGS and IRFGS. However, they may apply for SME Assistance Guarantee Scheme (SAGS).

    Where can I apply for the new schemes?

    If your business is incorporated as a Sdn Bhd, you can apply through any Maybank Business Center nearest to your business premises. If your business is a sole proprietorship or a partnership, you can apply at any of your nearest Maybank Sales & Service Centers (branches).

    How can I apply for the new schemes? Is there a form that I need to submit?

    You can apply for the schemes at any Maybank Business Center or Sales & Service Center. No specific application form is needed.

    What are the documents that I need to submit to apply for the new scheme?

    You need to submit the standard documents for loan processing, which include:

    • Last 3 years' audited accounts and latest management account if your financial year closing is more than 6 months ago
    • Certificate of Incorporation/Business Registration Form and Operating License
    • M & A / Partnership Deed
    • Latest Form 24 (returns on Allotment of Shares)
    • Latest Form 49 (returns of Particulars of Directors)
    • Company's organizational structure
    • Resume of directors, partners and key management personnel
    • Income statements of directors (last 2 years)
    • Other documents which may be needed for bank's credit assessment

    What is the difference between WCGS and IRFGS?

    The Working Capital Guarantee Scheme (WCGS) is for viable companies with shareholder equity below RM20 million for financing working capital requirements. The Industry Restructuring Financing Guarantee Scheme (IRFGS) meanwhile is for viable companies to finance investments in high value added activities (such as research & development and downstream agricultural activities), and to increase productivity and greater application of green technology.

    What is the amount of financing that I can apply for under the new schemes?

    The minimum amount of financing is RM50,000 for both schemes. The maximum amount meanwhile is RM10 million for the Working Capital Guarantee Scheme (WCGS) and RM50 million for the Industry Restructuring Financing Guarantee Scheme (IRFGS).

    What are the benefits of WCGS and IRFGS?

    The Government provides an 80% guarantee of the financing limit, and the schemes are available to companies from all economic sectors.

    If I have existing facilities, can I apply for the new scheme?

    Yes. However, you may apply for additional financing only. Refinancing of your existing facilities is not allowed.

    Can I refinance my existing loan under the new scheme?

    No. Refinancing of existing facilities is not allowed.

    What is the financing tenure of the scheme?

    The financing tenure for the Working Capital Guarantee Scheme (WCGS) is up to 5 years and the tenure for the Industry Restructuring Financing Guarantee Scheme (IRFGS) is up to 10 years.

    How long will the schemes be available?

    The schemes are available until 31 December 2010, or until the funds (RM5 billion for each scheme) are fully utilised, whichever comes first

    How much is the financing guarantee cover?

    For the Working Capital Guarantee Scheme (WCGS), the financing guarantee cover is 80% of the financing limit. The financing guarantee cover for the Industry Restructuring Financing Guarantee Scheme (IRFGS) meanwhile is as follows:

    Shareholders' Funds Guarantee Cover
    Less than RM20 million 80% of financing limit
    RM20 million & above 50% of financing limit

    Does the Government Guarantee Scheme (GGS) offer an Islamic Financing option?

    Yes, the Government Guarantee Scheme (GGS) will offer both Conventional and Islamic financing options.

    What is the financing rate of both schemes?

    Both financing schemes are funded by individual commercial banks. As such, the financing rate for conventional financing will be set at the Bank's Base Lending Rate plus a spread. For the Islamic option, the profit rate will be set at the Base Financing Rate plus a spread.

    Rates for the utilisation of trade line facilities will be at the current rates approved by the Association of Banks in Malaysia.

    Since the Government will guarantee my company's financing, does this mean that the Bank will not institute legal proceedings against my company for failure to service the financing/ loan?

    No. The Borrower will at all times be held responsible for servicing the financing facility/ loan. The Bank will institute legal proceedings against the Borrower in the event of facility default.

    Can the IRLGS be used to finance property purchase as ‘investment’?

    Property purchase does not fall under the category of investment. The IRFGS is only meant for capital expenditure financing/investments for companies to invest in High Technology, High Productivity and Green Technology. It is not for working capital or refinancing of existing capital expenditure facilities.

    Can the WCGS be utilised to finance business operations overseas?

    The WCGS is for local business operations only.

    Who can I refer to for additional information. Please contact the following:

    • Hotline 03-2074 8199 or our Customer Care hotline at 1-300-88 6688
    • Maybank Business Centers or Maybank Islamic Branches nearest to you
    • Maybank websites - Maybank2u.com Maybank2e.net

    What is the difference between the existing Government Aided Loan Schemes (GALS) and the new WCGS and IRFGS schemes?

    GALS comprises of various schemes with guarantee cover provided by the Credit Guarantee Corporation (CGC) to all SME customers. WCGS and IRFGS are schemes with guarantee cover provided by the Government made available to all Malaysian-based companies (shareholding of at least 51%) incorporated under the Companies Act 1965. All applicants must meet the eligibility criteria stipulated under each scheme. 

    What is the difference between BNM funds (FSMI2 and NEF2) and the new WCGS and IRFG schemes?

    FSMI2 and NEF2 are funded by Bank Negara Malaysia and the financing rate is determined by BNM. FSMI2 and NEF2 are strictly for SMEs. WCGS and IRFGS are funded by banks and the financing rate is determined by respective banks independently. Both schemes are open to all Malaysian-owned companies (with shareholding of at least 51%) incorporated under the Companies Act 1965.

Home Loans FAQs
  • What is 'Pre-approved home loan/financing application'?

    It is an agreement, in principle, by the bank to offer you a home loan/financing, subject to confirmation of your personal details and credit status.

    Online pre-approval saves time instead of going to the bank. You can apply for a loan/financing any time of the day. You can use this channel to find out how much you are eligible to borrow/obtain financing or if you can afford a particular property you are interested in purchasing, besides checking the status of your loan/financing from the time you apply until the loan/financing is disbursed.

    What happens if I do not qualify for a loan/financing?
    You may not qualify for a loan/financing if the amount requested exceeds the limit which you are eligible for. In such an instance, you will be given a choice of amending the loan/financing amount and/or repayment period, or cancelling your loan/financing application.

    How soon after applying can I check my application status?
    You may use the 'Pre-approved Home Loan/Financing Enquiry' function any time after you have submitted your online application.

    How soon after submitting my loan/financing application will the Consumer Sales Officer contact me?
    You will be contacted within 3 working days. Otherwise, you should call our Customer Care hotline at 1-300-88-6688.

    How long will it take for the bank to release or disburse the money for my home loan/financing?
    The bank will take about 3 months to disburse funds for a home loan/financing.

    Can I apply to buy a piece of property anywhere in Malaysia and get online loan/financing pre-approval?
    You can get pre-approval online if the property under construction is end-financed by Maybank. However, this is not required if the house has been completed or if you are re-financing your property.

    How long will it take to process my loan/financing application?
    The loan/financing approval process takes about a week.

    I live in Kuala Lumpur but plan to buy a house in Penang. Can I get an online loan/financing pre-approval?
    Yes, you can. An online pre-approved loan/financing application means that you can apply for a loan/financing wherever you are.

Maybank Mikro / Maybank Islamic Mikro-i FAQs
  • What is Maybank Mikro / Maybank Islamic Mikro?
    Maybank Mikro / Maybank Islamic Mikro is a term financing facility with fixed monthly installment schedule for self-employed individuals and micro enterprises. This financing facility is to provide financial assistance for those intending to expand their business.

    Is there any fee or advance payment deduction from the financing amount approved?

    No. The full amount approved will be credited into your savings/current account.

    Is this facility offered under Conventional or Islamic?
    This facility is available under both Conventional and Islamic.

    What is the minimum and maximum financing amount that I can apply?
    Minimum financing amount is RM 3,000. Maximum financing amount is RM 50,000. Financing amount approved is subject to credit evaluation.

    What is the minimum and maximum financing tenure that I can choose from?
    The minimum financing tenure is 1 year and the maximum financing tenure is 5 years (60 months)

    What is the interest/ profit rate offered?

    Interest/ Profit rate offered is depending on the financing amount approved, details as follows:

    Customer Type Financing Amount Rate (%)
    a) Self-employed RM3,000 to RM20,000 Flat rate 11% p.a
    b) Micro enterprise RM20,000 to RM50,000 BLR/BFR+1.25% p.a

    Who is eligible to apply for Maybank Mikro/ Maybank Islamic Mikro?

    The financing facility is for business purpose, i.e. working capital and/or capital expenditure only.

    For self-employed to be eligible must meet the following criteria:

    1. All Malaysian Citizen aged between 21 to 60 years old
    2. Self-employed with valid business license/ permit
    3. Business must be owner operated and on full time basis
    4. At least 2 years business experience
    5. No negative personal financing record, i.e CCRIS, bankruptcy etc.

    For micro enterprise to be eligible must meet the following criteria:

    1. Companies registered with Companies Commission of Malaysia.
    2. Business must be in operation for at least 2 years
    3. Business must comply with the NSDC's SME ‘micro' definition:
      a. Less than 5 full-time employees
      b. Annual Sales Turnover less than RM 200,000 for primary agriculture and services sector
      c. Annual Sales Turnover less than RM 250,000 for manufacturing
      d. No negative business financing record, i.e CCRIS, bankruptcy etc.

    What are the documents required to apply for this facility?

    To expedite processing, please enclose:

    Self-Employed

    1. Application Form
    2. Copy of NRIC (both sides)
    3. Latest Form B with tax receipt payment
    4. Company registration/ Business Permit or License
    5. Bank's confirmation - account opened 2 years or more
    6. Latest 6 months Bank Statement

    Micro Enterprise

    1. Application Form/ Letter
    2. Company Registration
    3. Last 3 years financial statement
    4. Bank's confirmation - account opened 2 years or more
    5. Latest 6 months Bank Statement

    Will I be notified if my application is approved or declined?
    You will be notified via letter on the status of your application, either approve or decline. If your application is approved by the Bank, you will receive an Approval Letter stating the payment due date, installment amount, tenure, financing amount approved and the financing account number.

    How do I receive the funds?

    1. For self-employed, funds will be transferred to your Maybank/ Maybank Islamic individual savings or current account (Joint account and other Bank's savings/ current account is not allowed).
    2. For micro enterprises, funds will be transferred to your Maybank/ Maybank Islamic business current account (Joint account and other Bank's current account are not allowed).

    How fast can I obtain the funds?
    Application approval as fast as 3 days. Disbursement is on the next working day upon approval of the application. This is subject to full documentation and information received by the Bank.

    How much is the Late Charges/ Compensation Fee (Islamic)?
    The Late Charges/ Compensation Fee (Islamic) is 1% per annum on the amount in arrears calculated from the overdue date till date of full monthly payment.

    How much is the Early Settlement Fee?

    Maybank Mikro,

    1. For self-employed, the Early Settlement Fee is RM 200 or a sum equivalent to 3% of the loan outstanding balance, whichever is higher, only if settled within the 1st half of the loan tenure.
    2. For micro enterprise, rebate on interest charged depends whether sufficient notice given to the bank prior to early full settlement. The minimum notice period is similar to other business loan, i.e. 1 month.

    As for Maybank Islamic Mikro, no Early Settlement Fee.

    Do I need to sign the letter of offer?

    1. For self-employed the properly executed Application Form is the only document as proof of acceptance of all terms and conditions imposed.
    2. For micro enterprise the normal Letter of Offer will be issued and full acceptance is required to indicate acceptance of all terms and conditions stated therein.

    The Bank had approved an amount lower than what I asked for. Can I decline the facility?

    1. For self-employed, you are deemed to have accepted the financing upon approval and disbursement of whatever amount disbursed into your savings/ current account, regardless whether it is the same or lower than the amount applied.
    2. For micro enterprise, the option of acceptance or otherwise lies with the customer.

    How is the monthly installment calculated?
    The monthly installment is calculated based on the following formula:
    For self-employed,

    {Principal(P) + (P x Tenure(years) x Rate)}
    Tenure(months)


    For micro enterprise,
    Simple rate computation based on BLR/BFR+1.25%p.a. Interest/Profit rate will be computed and debited to the financing account on monthly basis.

    Can I apply for a second Maybank Mikro/ Maybank Islamic Mikro?
    Yes, subject to you settling the existing one satisfactorily.

    Can I request for interest/profit rate reduction?
    No, interest/profit rates are fixed and pre-determined at the point of application approval.

    Can I request Maybank to disburse the financing amount to pay my other business related or personal financing?
    No, the approved financing amount will be credited to your Maybank personal savings or current account.

    Can I pay the installment by signing up a Standing Instruction from another bank?
    Yes. You are encouraged to sign up a standing instruction for ease of payment.

    What if I can’t pay the facility and default the monthly installment?
    Contact us early if you have problem meeting your financing obligation.

    What happened if I pay extra to my monthly installment financing amount, can I redraw the money?
    The extra payment you paid will be treated as an advance payment to reduce your next month installment. You are unable to redraw the extra payment made.

    How do I pay my monthly installments?

    The payments can be made in many convenient ways such as:

    1. By cash or cheque at any Maybank/ Maybank Islamic branch nationwide.
    2. By cash or cheque through the Cash Deposit Machines and Cheque Deposit Machines at selected Maybank branches.
    3. By online payment via Maybank2u (www.maybank2u.com.my) or Maybank2e (www.maybank2e.net.my) 
    4. By direct debit standing instruction from your savings/ current accounts.

    Where can I get more information?
    Kindly call 03-7844 3686 from 9.00 am to 5.00 pm (Monday to Friday). Alternatively you can contact our Customer Service 1-300-88-6688 (local) or 603-7844 3696 (overseas)

Personal Loan FAQs
  • What is Maybank Personal Loan?

    Maybank Personal Loan is an unsecured Personal Loan and that does not require any collateral or guarantor. This Personal Loan has a fixed monthly repayment schedule.

    Do I have to pay the Government Service Tax?

    No. Government Service tax will NOT be imposed for this Personal Loan facility.

    Is there any fee or advance payment deduction from the loan amount approved?

    No. The full amount approved will be credited into your personal savings / current account.

    Is this facility offered under conventional or Islamic?

    This facility is currently available under Conventional account. The Islamic Personal Loan will be
    available at a later stage.

    What are the documents required to apply for this facility?

    To expedite processing, please enclose:

    Salaried Employee Self Employed
    i) Application Form i) The application form, and
    ii) Copy of NRIC (both sides) ii) A copy of your NRIC (both front and back)
    iii) Latest BE form with official tax receipt iii) Latest form BE with tax receipt of payment
    iv) Latest 2 months' salary slips iv) Business registration Certificate for Sole-Proprietor or Partnership
    v) Latest 3 months' savings account activity/current account statements v) Form 9, 24, 49 for private limited company
    (Sdn. Bhd.)
      vi) Latest 3 consecutive months bank statements

    Will I be notified if my application is approved or declined?

    You will be notified via mail on the status of your application, whether it is approved or declined. If your loan is approved by the Bank, you will receive an Approval Letter stating the payment due date, installment amount, tenure, loan amount approved and the loan account number.

    How do I receive the funds?

    Funds will be transferred to your personal Maybank savings or current account (joint account and other Bank's savings / current account is not allowed).

    How fast can I obtain the funds?

    Loan approval is within 48 hours. Disbursement is on the next working day upon approval of the loan. This is subject to full documentation and information received by the Bank.

    What happens if I do not have a Maybank saving or current account?

    If you do not have a Maybank personal savings or current account, you are required to open an account prior to submission of the application form and to indicate the account number.

    How much is the Late Charges?

    The Late Charges is 1% per annum on the amount in arrears calculated from the overdue date till date of full monthly repayment.

    How much is the Early Settlement Fee?

    The Early Settlement Fee is RM200 or a sum equivalent to 3% of the loan outstanding balance,
    whichever is higher, only if settled within the 1st half of the loan tenure.

    Do I need to sign a letter of offer?

    This facility is designed to provide a hassle free and seamless end to end experience and therefore,
    signing of an Offer Letter is NOT required. A notification of approval will be sent to you upon loan approval. Acceptance of this facility is automated once the application is approved.

    The Bank has approved an amount lower than what I asked for. Can I decline the facility?

    No, you are deemed to have accepted the loan upon approval and disbursement of the loan into your savings / current account, regardless if the approved amount is lower than the request amount or if the approved amount remains unused in your saving /current account.

    How is the monthly installment calculated?

    The monthly installment is calculated based on the following formula:

    Formula = {Principle(P) + (P X Tenure(years) X Interest Rate)}
    Tenure(months)

    Can I request to increase or reduce my loan tenure?

    No. The increase or reduction of the loan tenure is not allowed. The loan tenure is fixed upon approval of the loan. Customers need to pay off the current personal loan first, then reapply with the desired loan tenure again.

    Can I apply for a second Maybank Personal Loan?

    You can apply for a second Maybank Personal Loan, provided the first Maybank Personal Loan is fully settled.

    Can I restructure my monthly installment after the disbursement of the loan?

    Once the loan is approved and disbursed, you are not allowed to restructure the monthly payment
    for the duration of the loan tenure.

    Can I request for interest rate reduction?

    No, interest rates are fixed and pre-determined at the point of loan approval, depending on the loan amount approved.

    Can I request Maybank to disburse the loan amount to pay my other loans? i.e. Credit Card consolidations?

    No, the approved loan amount will be credited to your Maybank personal savings or current account.

    Can I pay the installments by signing up for a Standing Instruction from another bank?

    Yes. Customers are encouraged to sign up for standing instructions, for convenience in payment.

    What if I can’t repay the facility and default the monthly installment?

    If you have problems meeting your loan obligations, contact us early to discuss repayment alternatives.

    What happens if I pay extra to my monthly instalment loan amount, can I redraw the money?

    The extra payment you paid will be treated as an advance payment to reduce your installment in the following month. You will not be able to redraw the extra payment made.

    Will I get monthly statements?

    Your monthly statement will only be available online. Please login into www.maybank2u.com.my to view your monthly statement of account.

    How do I pay my monthly installments?

    Payment can be made in many convenient ways:

    • By cash or cheque at any Maybank branch nationwide.
    • By cash or cheque through Cash Deposit Machines and Cheque Deposit Machines at
      selected Maybank branches.
    • By cheque through post using the enclosed envelope
      (addressed to Maybankard Centre, 7th Floor, Menara Maybank, 100 Jalan Tun Perak, 50050 Kuala Lumpur)
    • By online payment via Maybank2u.com (www.maybank2u.com.my)
    • By telephone through Maybank Autophone Service
    • By direct debit standing instruction from your savings/current accounts.

    Is there Insurance/Takaful coverage for this Facility?

    Insurance / Takaful coverage is not available at the moment.

    Where can I get more information?

    Kindly call 03-7844 3686 from 9.00am to 5.00pm (Monday to Fridays). Alternatively you can also call our Maybank Group Customer Care line at 1-300 88 6688.

Reduction in Monthly Loan Repayment FAQs
  • What type of loans facilities are eligible for this loan instalment reduction?

    • All conventional and Islamic term loan/financing, namely individual (e.g. housing/mortgage and ASB) and/or corporate loan facilities with interest/profit rates pegged to the Base Lending Rate (BLR) are eligible for the loan reduction.
    • Loans which are pegged to the Cost of Funds (i.e. fixed rate loans) and government-aided loans are not eligible for this exercise.

    When will the new repayment rates take effect? When will I begin paying my new instalment rate?

    • Maybank is implementing the new repayment rates with effect from 23 March 2009.
    • The new instalment will take effect on the next repayment date, i.e., 1 April 2009.

    For ASB, ASB-i and Personal loans

    • Maybank will be implementing the new repayment rates with effect from 25 April 2009.
    • The new instalment will take effect on the next repayment date, i.e. 1 May 2009.

    How will I know if I am eligible? Whom should I contact?

    • If your facility is eligible, you will receive a notice from the Bank. The Bank has sent out the notices since 24 March 2009 onwards.
    • You can also check with your Home Branch on your loan status or contact Maybank Group Call Centre at 1-300-88-6688.

    If my account is 2 months in arrears, will my loan instalment still be reduced accordingly? What is the status of my loan?

    The arrears will be adjusted accordingly, i.e. there will be a reduction of the amount in arrears. This will take effect with the implementation of the instalment reduction exercise with effect from 23 March 2009.

    If my account is in default, will I be eligible for the reduction?

    • The Bank classifies loans which are at least 4 months in arrears as ‘non-performing loans' (NPL)
    • NPL accounts are not eligible for this instalment reduction, as NPL accounts require comprehensive loan restructuring.

    If I do not wish to have my instalment reduced, what do I do?

    • Kindly notify your bank or your customer relationship officer in writing immediately by completing the Letter of Reinstatement available at all branches and in Maybank2u.com.
    • However, the reinstatement of your current repayment amount will only be made on your next instalment due date.

    If my loan is with a joint borrower(s), do all borrowers need to sign the reinstatement letter?

    • It is compulsory for the principal borrower to sign.
    • If there are more than two (2) borrowers, at least two signatories (including the principal borrower) are required to sign

    If the BLR increases, will my instalment also increase?

    In the Terms and Conditions of the loan facility, the Bank reserves the right to increase the instalment and/or extend the loan tenure due to interest variation or for any reason as the Bank shall deem fit.

    What if my loan is pegged to BLR but my instalment has not changed?

    Kindly inform your Home Branch or the nearest Branch immediately to enable the Bank to adjust your instalment rate accordingly.

    My loan is still under progressive release. Will my instalment also be adjusted accordingly?

    No, only term loans that are fully released are eligible for the reduction on instalments.

    If I have a Standing Instruction (SI) for my monthly instalments, will the new amount be deducted from my savings/current account accordingly?

    • This is dependent on whether you have executed a Variable or Fixed SI.
    • A Variable SI allows the Bank to deduct the instalment amount according to the amount due. The new amount will be deducted accordingly.
    • For a Fixed SI, the Bank is only permitted according to your instructions, to deduct a fixed pre-determined amount from your savings/current account regardless of changes in the instalment rate. To enjoy the new instalment rate, it is advisable to convert your Fixed SI to a Variable SI to cater for any variation in instalments according to rate changes, including enjoying a lower instalment rate.
    • Please refer to your Home Branch or the nearest Branch for further details.

    How do I check if my instalment has been reduced?

    You can refer to your Home Branch or if you are our internet banking user, please log in to www.maybank2u.com to check on your loan balance and instalment due.

    Where can I obtain more information on the reduction of the monthly loan repayment instalments?

    • Kindly check with your customer relationship officer or Home Branch for specific inquiries on your facility. Click here for the contact numbers of your Home Branch.
    • Call Maybank Group Call Centre at 1-300-88-6688 for general inquiries on the announced reduction.
    • The list of the Bank's customer service hotlines is also available at the ABM website at www.abm.org.my or you may call ABMConnect at 1-300-88-9980 for information on banking issues in the country.
Investments FAQs
Amanah Saham Nasional Berhad FAQs
  • Who can perform additional ASNB investments through Maybank2u.com?

    Additional investments through Maybank2u.com is open to all registered ASNB investors and m2u registered users.

    What are the requirements to invest in ASNB unit trust via Maybank2u.com?

    You must have a valid membership number and NRIC as registered in ASNB record.

    Can I invest for other 3rd party accounts via Maybank2u.com?

    Yes you can. You are required to key in the 3rd party's membership number and NRIC as registered in ASNB's record.

    What is the minimum and maximum amount I can invest via Maybank2u.com?

    The minimum amount is RM1.00. The maximum amount will depend on the individual's eligible maximum investment limit.

    Can I invest an amount with sens, for example RM10,001.90?

    The investment amount must be to the next Ringgit Malaysia. That means you can invest RM10,001.00 or RM10,002.00. Sen is not accepted.

    How long will it take for ASNB to process my investment through Maybank2u.com?

    Investments that have been successfully received will be processed on the same day and investors can update their ASB account book the following working day (based on Federal Territory working days).

    Can I withdraw my ASB investment via Maybank2u.com?

    At the present time, you can only purchase additional investments via Maybank2u.com. Withdrawal must be done over the counter at Maybank branches, fully operational ASNB offices and at any ASNB agents.

    Is there any possibility that my transaction can’t be processed by ASNB?

    Your online ASB transactions may be unsuccessful due to the following reasons:

    • Invalid ASB membership number 
    • Invalid NRIC number
    •  Total Investment amount has reached the maximum individual limit 
    • Accounts tagged with a specific reason.

    Will the bank notify me if my transaction is rejected?

    Upon request, the bank will send a Payment Confirmation / Credit Advice to inform that the investment has been refunded to your bank account.

    Can I view my ASB account balance via Maybank2u.com?

    This service is not available at the present time. You may check your balance at any Maybank branches, ASNB offices and ASNB agents.

    What if I had forgotten my ASB membership number?

    You may refer to your ASB investment book or check at any Maybank branches, ASNB offices and ASNB agents.

    What happens if I accidently select an invalid account number to invest in?

    Your transaction will be rejected by ASNB and the amount invested will be refunded. However, the RM1.00 service fee is non-refundable.

    Can I make additional ASNB investments at any time of the day?

    You can now make ASNB investments to your ASB or AS 1M funds at any time and any day of the week via m2u.

    Investments made after 5:00pm on business days or on Saturdays, Sundays and public holidays will be treated as next business day investments. Business days are based on the Federal Territory (Wilayah Persekutuan) calendar.

eShare Application FAQs
  • Can I apply for eShare Application if I have a sole proprietor/business account?

    Online IPO application through Maybank2u.com is available only for Savings or Current accountholders with individual or joint personal Maybank accounts.

    Can I apply for an IPO online if I am residing overseas?

    The Association of Banks Malaysia (ABM)'s mandatory requirements for online IPO applications stipulate that the applicant must be a Malaysian citizen residing in Malaysia.

    Can I apply online using another CDS account number, e.g. my family and friends' accounts?

    If you submit an application using another CDS account number, it will be rejected by MCD. The regulations require you to use your own name and CDS account for an online IPO application.

    Note: It is the customer's responsibility to ensure that his/her particulars in the records of the financial institutions such as CDS no. (mandatory), name and I/C no. are accurate.

    How will payment be debited for eShare Application?

    The RM1 fee and required amount will be automatically debited from the Maybank Current or Savings Account of your choice.

    Are there other channels available for IPO application?

    You may apply via Maybank Kawanku ATM Electronic Share Application (ESA) or manually fill out printed application forms available at all Maybank branches.

    How will I know if an IPO is open or already closed?

    All IPOs listed on the IPO Application screen are open and their respective closing dates and times are stated.

    How can I download and view the e-prospectus?

    Select the "View eProspectus" link in the eShare Application declaration screen or log on to www.bursamalaysia.com and save the prospectus to your PC. You may also get a printed copy from Maybank branches.

    How will I know if my IPO application is successful?

    You should use the "Status Enquiry" function in Maybank2u.com to view the status of your application. The details of your transaction will be displayed on screen. You will also be able to view your eShare Application transactions via ATM online.

    What are the reasons why an application may be rejected?

    Applications will be rejected if your CDS account number or personal particulars are inaccurate, if there is a duplicate IPO application or if there are insufficient funds in your account.

    How will I be reimbursed if my IPO application is unsuccessful?

    An auto reversal will be made to your account if your application is unsuccessful.

    How many days will it take to credit my account if my share application is unsuccessful?

    Your account will be credited within 2 working days after we receive the transaction status from the issuing house.

    Can I cancel my IPO application?

    You may cancel your application for any reason whatsoever, such as the issuance of a supplementary prospectus, by presenting your Identity Card (IC) and a print-out of the transaction receipt or Internet Transaction History at any Maybank branch. This procedure only applies to cancellation before the IPO closing date.

Foreign Currency Mudharabah Deposit and Placement-i (FCM-i) FAQs
  • How do I invest in FCM-i?

    You must have a FCA or FCA-i account. However, it is not mandatory for non individual business customers.

    What do I need to do to invest in FCM-i?

    Instruct the Bank and your FCA or FCA-i will be debited accordingly. The existing account opening procedures for foreign placement is applicable for FCM-i placement.

    How will the money be invested?

    The money will be invested in the Shariah approved instruments.

    How does FCM-i work?

    FCM-i is based on the principle of Mudharabah (profit-sharing) and offers the convenience of placing foreign currencies in profit sharing investment product.

    What do I get when I invest in FCM-i?

    You may enjoy profit upon maturity based on the agreed profit sharing mechanism and the prevailing rates.

    Are there any charges for FCM-i?

    No

    Is premature withdrawal allowed?

    Yes

    Is there any withholding tax on the profit earned from FCM-i?

    No.

Global Trading FAQs
  • Account

    1.1 If I am an existing Maybank2u Online Stocks client, can I access Global Trading via Maybank2u or do I need to open a new account?
    For existing clients who have signed up for the Global Trading facility, you will be prompted with the access screen directly. If you have yet to sign up for the Global Trading facility, please contact your dealers representative for assistance.

    1.2 Will I be receiving two sets of User ID and password for Maybank2u Online Stocks and Global Trading?
    You may access into Global Trading with the same Maybank2u Online Stocks user ID and password.

    1.3 How do I change my User ID and password for Global Trading?
    There is no separate ID specifically for Global Trading. You will be logging in using your existing Maybank2u User ID and password.

    1.4 What if I forget my User ID and password for Global Trading?
    Your login will be using Maybank2u details. Please call Maybank Group Call Centre at 1 800 6688 for assistance.

    1.5 If I have further enquiries or need assistance, whom shall I contact?
    You may contact your dealers representative. Please refer to the list of our Equities Investment Centres (EIC) under Customer Service.

    1.6 How do I start trading for foreign exchanges?
    You will have to deposit cash (at least in the value of intended trade to be done) to Maybank Investment Bank trust account prior to trading and inform the respective dealers representative.

    Trading

    2.1 What are the stock exchanges available for Global Trading via Maybank2u?
    The available exchanges for Global Trading via Maybank2u are Singapore Exchange (SGX), Hong Kong Exchange (HKEx), New York Stock Exchange (NYSE) and National Association of Securities Dealers Automated Quotation (NASDAQ).

    2.2 Where can I obtain the information of corporate actions for all the stock exchanges?
    There would be a remark at the counter's name from the exchange should there be any corporate action. However, clients will be contacted by their respective dealers representative should they be entitled.

    2.3 Will I be able to amend or withdraw my orders in Global Trading?
    You are able to amend or withdraw unmatched orders. No amendments or withdrawals allowed for fully matched orders.

    2.4 Am I allowed to contra my foreign exchanges' trades?
    Contra trading is not allowed for foreign exchanges.

    2.5 Am I allowed to do short-selling in Global Trading via Maybank2u?
    Short-selling is not allowed in all markets.

    2.6 What are the settlement modes available for settling my foreign shares transaction?
    Settlement of contract may be done in Malaysian Ringgit (MYR) or foreign currencies. As such, clients have a choice to pay/ keep their sales proceeds in MYR or foreign currencies.

    2.7 If I choose to settle my foreign shares transaction in the traded currency, what would be the exchange rate?
    The exchange rate will be based on the indicative exchange rate displayed at Maybank2u on the transaction date.

    2.8 I am having some problems submitting my foreign shares orders. What can I do?
    Please contact your respective dealers representative. Please refer to the list of our Equities Investment Centres (EIC) under Customer Service.

    2.9 Do I need to deposit any cash upfront?
    Yes, cash deposit in advance is needed.

    2.10 How do I know my available trading limit?
    Your trading limit viewing option is available from the order submission window. Please note that it is displayed in Singapore Dollar (SGD) using the day's indicative exchange rate.

    2.11 Will I be able to amalgamate my Global Trading transactions via Maybank2u?
    Your SGX and HKEx will be auto amalgamated. Instead, your NYSE and NASDAQ will not be amalgamated.

    2.12 What is the validity period of my Global Trading transactions via Maybank2u?
    The orders validity is on a daily basis.

    2.13 Can I trade odd lots in Global Trading via Maybank2u?
    Odd lots trades are only available via offline method. Please contact your dealers representative for further assistance.

    2.14 Are the price quotes for Global Trading via Maybank2u live?
    SGX price feed is live while HKEx, NYSE and NASDAQ are delayed.

    Others

    3.1 Will I receive contract notes for my Global Trading via Maybank2u transactions?

    Contract notes will be issued on T+1.

    3.2 Will I receive monthly statements for my Global Trading via Maybank2u transactions?

    Monthly statements of your Global Trading shares portfolio will be issued.

Maybank Gold Investment Account FAQs
  • Will the gold price quoted daily be better than at goldsmith shops?
    The price of gold quoted daily will be pegged to the international gold price and will definitely be better than goldsmith shops without the usual "workmanship" charges.

    Why is interest not paid for MGIA?

    When you purchases gold through MGIA, this is recorded into a passbook. The Bank actually keeps the gold in safe custody for you, and as such, interest is not paid.

    When is the right time to purchase gold?
    The recommended time would be when the price of gold is low.

    Will the Bank accept deposits in gold e.g. gold jewellery?
    No, the Bank will only accept gold wafers purchased from the Bank.

H.O.T Broking FAQs
  • Why choose H.O.T Broking?

    H.O.T Broking is based on investing in shares and securities based on Islamic principles. As a measure of confidence, it is guided by the same institutional and regulatory framework that administers conventional stock broking, except that it is governed by Shariah principles.

    Where can I find a list of Shariah-compliant securities?

    While we can provide you a full list, concurrently you may also view it on the Securities Commission's website (www.sc.com.my).

    Who do you currently serve?

    Our service covers institutional and retail clients trading in Shariah-compliant stocks on Bursa Malaysia.

    Can a non-Muslim trade in Shariah-compliant securities?

    Yes.

    Is the Islamic window account offered on Maybank2u.com online trading?

    Yes, however you have to close the existing trading account on Maybank2u.com to prevent co-mingling.

    If I have already activated my conventional account on Maybank2u.com online trading, can I activate an Islamic account too?

    No, currently only one account is allowed to be traded via Maybank2u.com.

    Why do I need to open a conventional account since I only wish to invest in Shariah-compliant stocks?

    The conventional account is to facilitate the process should a Shariah-compliant stock be declared a non-compliant stock by the Shariah advisory council, thus preventing co-mingling of any non Shariah-compliant returns from the investment made.

    Can I open an account with two different remisiers for a conventional and an Islamic account?

    Yes, you can because the Islamic trading account is linked to a designated nominees account (only Shariah-compliant shares).

    Does trading of Shariah-compliant securities allow contra transactions?

    Yes, you can contra an outstanding purchase position on the same counter.

    Are there charges imposed on contra transaction?

    No. There will be no contra charges imposed.

    If a contra loss happens, will there be any charges on late payment of contra loss?

    Ta'widh or compensation on unpaid losses ("CUL") is imposed effective 3 days after contra (T+4).

    Will there be charges on late payment of outstanding purchase position and if any, when is it charged and what is the rate?

    Ta'widh or compensation on outstanding purchase position ("COPP") is effective from T+5 until the close of position. COPP will be charged daily on purchase amount based on Islamic Interbank Money Market (IIMM) rates.

    Do you offer any share margin facility under Islamic broking?

    Yes, Maybank Invest-i.

    What is Maybank Invest-i?

    Maybank Invest-i is an alternative share trading/ margin financing package from Maybank that is based on the Shariah principle of Murabahah. Under this contract, Maybank agrees to finance your share trading activities in approved Shariah counters listed in Bursa Malaysia.*

    * Please note that this service is provided by Maybank Islamic Berhad and acts as a complement to H.O.T Broking.

    If a Shariah-compliant security is declared non Shariah-compliant, what happens?

    In such an instance, the non Shariah-compliant security must be liquidated. Capital gains arising from the disposal of the non Shariah-compliant security made at the time of the announcement can be kept. However, any capital gains made from the disposal of the security after the announcement date should be channeled to charitable bodies. 

    What if the market price of the Shariah-compliant security, whose status is made Non Shariah-compliant falls below the original investment cost?

    In such cases, you are allowed to hold on to the investment as well as keep dividends received during the holding period. Once the total amount of dividends received and the market value of the non Shariah-compliant securities held is equal to the original investment cost, you are advised to dispose off your non Shariah-compliant securities. You only have the right to retain the original investment cost.

    During the holding period, can I subscribe to any rights issue, bonus issues, special issues or warrants on the non Shariah-compliant securities I hold?

    You are allowed to subscribe to:

    • Such an issue (excluding securities whose nature is non Shariah-compliant e.g. Irredeemable Convertible Loan Stocks (ICULS), and
    • any Shariah-compliant securities of other companies offered by the company, on condition that you expedite the disposal of your investment in the non Shariah-compliant securities.
Maybankinvest-i: Share trading FAQs
  • What is Maybankinvest-i?

    There is a growing demand for Islamic financial products and services. As the bank who knows you better, we have developed this facility to meet the varied needs of our customers.Maybankinvest-i is a Share Trading/Margin Financing package from Maybank that is based on the Syariah principles of Murabahah (cost-plus sale). Under this package, we agree to finance your share trading activities in approved Syariah counters listed in Bursa Malaysia.

    What are the features and benefits of Maybankinvest-i?

    1. It is based on Syariah principles of Murabahah.
    2. Based on an overdraft facility, it is to fulfill customers' needs in share trading/financing based on Syariah principles.
    3. No commitment fees will be charged on the unutilised amount.
    4. The effective rate is on par with the conventional version.
    5. The rate will be capped at the Selling Price rate (ceiling rate), thus customers are spared from fluctuating Base Lending Rates (BLR) over the Selling Price rate.
    6. Customers can trade through Maybank2u.com, the first Online Internet Portal in Malaysia.

    Is Maybankinvest-i open to all counters on Bursa Malaysia?

    It is open to all acceptable Syariah approved counters.

    What are the collateral acceptable for Maybankinvest-i?

    Facility Types of Collateral Financing Limit Trading Limit Total Trading Limit
    Margin Trading Approved Syariah shares 1.5 X 1.0 X 2.5 X
      GIA and FD 2.5 X 1.0 X 3.5 X
    Landed property Landed property 1.5 X 1.0 X 2.5 X
    Non-Margin Financing Approved Syariah shares 0 2.0 X 2.0 X
      GIA and FD 0 3.0 X 3.0 X
    Landed property Landed property 0 2.0 X 2.0 X

    What profit rate will be charged to the customer if the BLR goes up?
    The rate charged will be the effective rate or Selling Price rate (ceiling rate), whichever is lower. i.e the current ceiling rate is 75% (BLR + 6.75%). Thus, if the BLR goes up, the effective rate will be capped at 10.75%.

    How would I know if the counter traded in Maybankinvest-i is a Syariah approved counter?
    Only Syariah approved counters will be accepted by our Share Trading System.

    Who shall I call if I require further details?

    You may enquire from the following channels:
       1.   Maybank2u.com
       2.   Share Investment Centre (SIC)
       3.   Cawangan Perbankan Islam (CPI)
       4.   Sales & Service centre (SSC)

    Will I earn any return on my savings in the Premier Maybank Account-i?
    Yes, you will be paid dividend based on the existing rates.

Maybankinvest: Share trading FAQs
  • General

    1. 1 What happens if I have both Maybank Investment Bank Berhad (formerly known as Aseambankers) as well as Maybankinvest / Maybankinvest-i trading accounts?
    You will be given the option to choose which account to trade with.

    1.2Will I earn any return on my savings in the Premier 1 Account?
    Yes, you will be paid interest based on the existing Premier 1 Account rates.

    Account

    2.1 Can I apply for a Maybank Share Trading account via Maybank2u.com?
    Yes, you can. Login to Maybank2u.com with your Username and Password. Select Online Application. Then select Non-margin Facility. Type in your personal details and then "Submit". You will be notified by our Investment Share Executives, once your application has been approved.

    2.2 What is the minimum financing amount a customer can apply under Maybank margin financing?
    The minimum financing amount is from RM50,000.

    2.3 What are the collaterals acceptable for Maybankinvest?

    2.4 How and where to open CDS and trading account?
    Please refer to your nearest Share Investment Centre.

    Trading and Settlement

    3.1 How do I know if my trades are confirmed?
    You can check your trade order status online under "Order Status".

    3.2 How do we make payment after we have purchased shares?
    All purchases will be debited from your margin account on the settlement date. Ensure you have sufficient funds in your account on the settlement date (T+3). All sales proceed will be credited to your margin account on the settlement date.

    3.3 What is Direct Uncleared Purchase (DUP)?
    This is the available trading limit for which you are required to settle within the T+3 settlement date. If you do not settle, the shares will be force sold.

    3.4What is Committed Uncleared Purchase (CUP)?
    This is the portion the bank will finance your purchase order.

    3.5What happens if I don't pay for my DUP purchases by the settlement date?
    On T + 4, we will execute force selling.

    Withdrawal

    4.1How do I withdraw from my sales proceeds from SMF account?
    There are 2 channels available, you may request for the cash withdrawals:
    i) Share Investment Centre
    ii) M2U Online Stocks under "Other Services"

    4.2When can I perform cash withdrawal?
    Only settled sales proceeds or credit balances are allowed to be withdrawn from SMF account.

    4.3Can I transfer the cash withdrawal to 3rd party account / other banks (GIRO)?
    No, cash withdrawal is strictly through your own personal accounts maintained at Maybank.

    4.4Do I get my monies immediately through cash withdrawal?
    Cash withdrawal is not an immediate transfer. Your balances will be updated within the same day for request submitted before 4.30 pm.

Online Stock Games FAQs
  • What is Online Stock Games?
    Online Stock Games is a real time trading simulation to familiarise you with M2U Online Stocks before actual trading. This is the place where you can put your investing skills to test at no risk.

    What is the purpose of Online Stock Games?
    It is meant to educate anyone who is keen to invest in the stock market or a platform to build up confidence before actual stock market investment.

    Where is Online Stock Games available?
    It is available in Maybank2u.com Online Stocks. Look for the Online Stock Games link at the top right hand corner of your Online Stocks page after logging in.

    How can I take part in the Online Stock Games?

    Online Stock Games is open to all registered M2U users who have a trading account with Maybank Share Investment Centre or Maybank Investment Bank.

    You will automatically be assigned a game account by the system when you login to Online Stocks.

    How do I register for Maybank2u.com Online Stocks?
    You are required to open a trading account either with Maybank Share Investment Centre or Maybank Investment Bank.

    Do I need to register for Online Stock Games?
    No, you will automatically be assigned a game account by the system.

    Do I need to login again to access Online Stock Games?
    No. When you login to Online Stocks, you will be redirected automatically to Online Stock Games when you choose the "Stock Games" link.

    How do I start buying or selling?

    • Click on the icon "Play Game"
    • Select the desired stock or key in the specific stock code/name
    • Click on the "Buy" or "Sell" button
    • Key in the buy or sell information and confirm the trade

    How do I check my trading status?
    Click on "Order Status" button to view your orders made for the day.

    How do I check my previous trading status?
    Click on "Trade History" to view previous orders keyed in

    How is my Game Portfolio updated?
    Your portfolio will be deducted immediately for every purchase made, regardless whether it has been matched or not. Then it will be added for every matched sales transaction made.

    Are there any fees calculated in my Purchase or Sales order?
    No, there are no fees involved. All Sales and Purchases made are calculated based on the gross amount (Quantity x matched price).

    Is real money involved?
    No, this is strictly simulation. You are given virtual game money to invest in stock games.

    How do I decide which stocks to include in my game portfolio?
    Use the expansive collection of News & Research to help you decide. You can examine in-depth financials, read its latest announcements and much more to help you make informed decisions.

    How long will my portfolio be stored?
    Your portfolio will be reset on the 1st of every 2 months.

Online Stocks FAQs
  • General

    1.1 What are the benefits of using Maybank2u.com Online Stocks?
    Online trading via Maybank2u.com offers convenience and advantages, such as:
    a. Stock trading directly from the comfort of your office, home or anywhere.
    b. Flexibility to place order whenever you like, even during off-market hours.
    c. Able to check real time stock processing.
    d. Online payment facility.
    e. Check your account portfolios and trade history.
    f. Speedy confirmation on the status of trade done.
    g. Enjoy discounted brokerage.
    h. Able to perform Cash withdrawal online (for Maybankinvest accountholders).
    i. Learn how to invest in stocks with the risk-free online Stock Games.
    j. Latest News and Announcements from Bursa.
    k. Latest research information and technical analysis.

    1.2Which is the recommended browser for Online Stocks?
    Internet Explorer Version 6.0 and above is recommended. You may not be able to access Online Stocks if you use other browsers.

    1.3How can I get more information about the features and tools available in Online Stocks?
    The "User Guide" in the Online Stocks page offers a comprehensive guide to all features and tools available.

    Account

    2.1Who can apply for Online Stocks?
    To apply for Maybank2u.com Online Stocks trading, you need to:

    • Have a Maybank ATM or Maybank credit card
    • Have an existing account with Maybank Investment Bank Berhad (formerly known as Aseambankers) dealers OR a Maybankinvest account.

    2.2 Do I need to pay any subscription fee?
    The Maybank2u.com Online Stocks trading facility is presently FREE to all Maybank customers who have a trading account with Maybank Share Trading and Maybank Investment Bank Berhad (formerly known as Aseambankers).

    2.3 What if I have a Maybank Share Trading and a Maybank Investment Bank Berhad (formerly known as Aseambankers) share trading account?
    If you hold two accounts, you will be given the option to select whichever account you want to use for trading.

    2.4 Can I apply for a Maybank Share Trading account via Maybank2u.com?
    Yes, you can. Login to Maybank2u.com with your Username and Password. Select Online Application. Then select Non-margin Facility. Type in your personal details and then "Submit". You will be notified by our Investment Share Executives, once your application has been approved.

    2.5How do I activate my trading account online?
    Once our Investment Share Executive notifies you that your application has been approved, login to Maybank2u.com with your Username and Password. Select Online Stocks. You will be prompted to fill in and submit your details for Online activation.

    2.6 How will I know if my application for Maybank2u.com Online Stocks trading has been approved?You will be notified by our Investment Share Executive once your application has been approved.

    2.7 Can I still access Maybank2u.com online stocks if I have not log in for more than 6 months?
    No, you will not be able to access the Online Stocks if you have not log in to online banking for more than 6 months although you have been actively trading via alternate online stocks login. When you encounter this you are advised to visit any of our branches to renew the access for Online Banking.

    Trading and Settlement

    3.1 How to perform buying and selling shares via online stocks?
    At the top of Live Quotes you will notice the Buy / Order/ Sell bar. These features enable you to do your online stock transactions.

    1. Click on Buy (the green button) to place order.
    2. On the pop-up screen, type in the quantity of shares you want to purchase.
    3. Type in your desired purchase value, or select one of the predefined values in the dropdown list.
    4. If you have more than one trading account. Select the appropriate account from the dropdown list.
    5. You may click on the OK button to send the order.

    Login to Online Stocks and select "User Guide" > "Trading" for more information on these features.

    3.2How do I view live quotes? To view live quotes:
    a. Click Online Stocks in the left menu after login.
    b. The Welcome to Online Stocks page will be displayed.
    c. Click on Live Quotes to view the price quotes.

    3.3 How do I get confirmation of my trade order?
    You can check whether your trade order is pending or matched by viewing your Order Status on screen.

    3.4 Can I create my favourite stocks watch list?
    Yes. Login to Online Stocks and select "User Guide" for more information on these features.

    3.5 Can I make payment via other banks?
    Payment to Maybank Investment Bank Berhad can be made via the following banks:

    Banks Kuala Lumpur & Mutiara Damansara Branch Ipoh Branch
    Maybank 5140-1146-0918 5083-1930-1937
    RHB 2141-2900-2118-68 2141-2900-2118-76
    Ambank 0012-0120-1566-4 0012-0120-1569-8
    Public Bank 3143-0592-15 3143-0593-12
    CIMB 1427-0008-2340-53 1427-0008-2350-56

    *Please indicate your client code & contact number at the back of the cheque. Ensure you bank in the cheque to the right Maybank Investment Bank branch account where your trading account is being maintained.

    For payment via the Maybank account, please indicate your client code and/or contract number under the Reference column. Please do not bank in via the Maybank Cheque Deposit Machine (Scanner version).

    System

    4.1 What is the recommended ISP speed for online stocks?
    The recommended internet speed is 1Mbps.

    4.2Will I be log out when I leave my computer idle for a period of time?
    Yes, for security reasons the session will be automatically terminated as "sessions expired" if you leave your computer idle for certain period of time (more than 15 minutes).

    4.3 Do I need to protect my computer when I access into Maybank2u.com online stocks?
    Customer is advised to periodically update Windows Operating System for new patches, fixes and also update your Anti-Virus /spyware software.

    4.4Can I use other internet browsers such as Mozilla Firefox, Google Chrome, Opera, Safari and etc.?
    Online stocks is supported by Internet Explorer browser (version 6.0 and above).

    How can I get more information about the features and tools available in Online Stocks?

    The "User Guide" in theOnline Stocks page offers a comprehensive guide to all features and tools available.

    5.1What is Bursa Trade Securities?
    BT Securities (BT) is a trading platform or a trading system that will change the way Bursa Malaysia conducts trading, information dissemination, clearing and surveillance of the securities market. Login to Online Stocks and select "User Guide" for more information on these features.

    5.2What are the trading phases, trading hours and functions available in each phase in BT?

     

    5.3Where can I see the Theoretical Opening Price (TOP) and Theoretical Closing Price (TCP) in my Live Quotes?
    The column/field name T-O will be displayed after you have successfully downloaded the new CAB file. The TOP and TCP will be displayed in the same T-O column/field.

    5.4How to download the new CAB file?

     

    5.5What will happen if I select "Don't Install"?
    You will not able to view the price feed. You may log out and log in again to select "Install".

    5.6What should I do if I am unable to view the new features?
    You may log out and log in again to select "Install".

    Troubleshooting

    6.1What should I do if I am unable to view stock prices?
    You may be unable to view stock prices due to:

    1. CAB file downloading was unsuccessful

    • Log out and close Microsoft Internet Explorer.
    • Launch Microsoft Internet Explorer once again.
    • Under the main menu, select Tools > Internet Options > Security Tab > Internet icon > "Custom Level" button. The Security Settings window is displayed
    • Select "enable" all ActiveX controls and plug-ins.
    • Reset your custom settings to "Medium".
    • Click "OK" to complete the setting.

    2 The information could be blocked by your company policy that may restrict what may be viewed online. You have to change your browser settings.


    6.2 I am unable to view quotes after successfully downloading CAB files. Try these options:
    • Refresh the Live Quotes web page
    • Switch from Real-Time to Http-Realtime mode by selecting the "Http Real-Time" link at the bottom of the "Live Quotes" page

    6.3What are the possible reasons for slow response while accessing Maybank2u.com online stocks? Customer is advised to check the following
    a. Ensure that your computer is free from any infection of malicious viruses or spywares.
    b. Ensure that your computer is running with minimal window applications at access time
    c. Please call your internet service provider when you encounter slow response time and also ensure that your Internet speed is able to give the desired performance.

    6.4I am unable to Buy & Sell. What should I do?
    Refresh your computer screen or exit and re-login Online Stock again.

    If your computer on running Windows Vista
    Close all Internet Explorer screens and Run IE as Administrator.
    Add ost.maybank2u.com.my as trusted site.
    Login again to Online Stock.

    If your computer running on Windows XP
    Add ost.maybank2u.com.my as a trusted site.
    Login again to Online Stock.

    6.5How do I reset my trading password?
    The trading password is same as the Maybank2u.com login password. You can change your password using the Utilities facility after logging in to Maybank2u.com.

    6.6 Why am I unable to access online stocks through my company network computer?
    If you are unable to download and view Online Stocks from your work place, you may need to check your organisation's policy on security settings. Internet connection should be set to enable connection to Port 80 & 81.

    6.7 How do I trade if the system is down?
    Please call SIC, Dealer, or Remisier.

Insurance & Takaful FAQs
Hero15 FAQs
  • Will I be protected if I am abroad?

    Yes, you will be protected if you are outside Malaysia on the purpose of business, study or vacation for a period not exceeding three (3) consecutive months.

    Can I claim for a traditional/alternative treatment expenses?

    Yes, provided that such treatment is sought subsequent to any medical and hospital treatment due to accident.

    Can I buy this policy for other person (e.g husband or father)?

    Yes, you can buy for other person such as for your husband or your father, as long as you are a Maybank accountholder. The policy will be under the name of the Insured.

    Is the policy renewal guaranteed?

    The renewability of the policy is not guaranteed and the Insurer reserves the right to cancel the policy accordingly at policy renewal by giving a minimum thirty (30) days written notice to the insured.

    How do I pay my premium?

    Your premium will be automatically debited from your Maybank savings, current account or any credit card. You just have to complete the Payment Instruction on your Proposal Form. This hassle-free service is FREE OF CHARGE

    What happens if I forget to pay the premium?

    Not paying before due date will result in early termination of coverage to the person insured.

    Should I decide to cancel my purchase of this policy, will there be any surcharge?

    You are entitled to a fifteen (15) days ‘free look' period after purchase of this policy. Should you decide to cancel, we will refund all premium paid, less any medical expenses incurred by us in the process of issuing the policy, if any.

    How do I make a claim?

    Please contact our Claims Assist at 1-300 88 1007

MaxiHome Contents FAQs
  • Does this plan cover jewellery?

    Yes, but the total value of jewellery or valuables shall not exceed one third of the selected sum insured. For example, if you have RM60,000 coverage, you will be able to make claims of up to RM20,000 for jewellery.

    How is MaxiHome Contents different from other home insurance products?

    Unlike other home insurance products which offer protection for residences, MaxiHome Contents offers a comprehensive coverage which insures your personal belongings against accidental damage and loss. Besides that, it also covers damages and defence costs in respect of accidental death or bodily injury to any person (excluding family members residing with you) or accidental damage to third party's property caused by negligence within Malaysia.

    RM5,000 cash was stolen from my house due to forcible and violent entry. Will MaxiHome Contents cover this?

    Yes. MaxiHome Contents will cover for the amount lost, up to RM2,000 depending on your selected Home Contents Value.

    Someone used a master key to enter my house and some items were stolen. Is this claimable?

    This policy is subject to theft through forcible and violent entry or exit only. Losses without proof or forcible and violent entry or exit are not claimable.

    Will I need to declare my household contents when I sign up for this policy?

    You are not required to declare your household contents if you are agreeable with the sum insured based on rating criteria assisted by the Financial Executive.

    How do I make a claim?

    Please contact our Claims Assist at 1300 88 1007.

    Are there any exclusions?

    MaxiHome Contents does not cover:

    • Theft without any sign of break-in (forcible entry or exit)
    • Theft by domestic servant
    • Your home if left vacant for more than 90 days
    • War, terrorism, radioactive contamination and sonic boom
    • The excess amount imposed as stated in the policy contract

    The above exclusions are not exhaustive. For a complete list of exclusions, please refer to the policy contract.

Motor Takaful FAQs
  • Who are we?

    MotorTakaful@M2U is an online motor policy renewal facility which is available on maybank2u.com. Our motor policies are underwritten by Etiqa Takaful Bhd, Malaysia's No. 1 Takaful operator, which is also part of the Maybank Group.

    Why should I renew my motor policy on maybank2u.com?

    Just like doing your online banking transactions, you will not only enjoy the ease and convenience but most importantly, you can enjoy an extra 10% on top of your NCD.

    If you choose to, road tax can also be delivered to you for a minimal fee.

    Anything else I should know?

    We also offer the convenience of multiple payment options and we are open 24 hours, 7 days a week, 365 days a year.

    To enjoy an extra 10% savings or find out more, visit our insurance page on www.maybank2u.com.

    My agent does everything for me, why should I do it online?

    Simply because you will enjoy an additional 10% discount on top of your NCD.
    Besides, the quotation form is designed to make it as simple as possible for you to renew motor policy. In 4 simple steps, your policy can already be renewed.

    On top of that, your Road Tax can be delivered to you within 24 hours at only RM8.

    It’s too complicated. I don’t even know what my Sum Insured is.

    Don't worry. On the 2nd step of our quotation page, we will recommend a range of Sum Insured based on your vehicle model. Not only that, we will also verify the NCD of your vehicle for you online.

    Can I transfer my NCD from my current car to another/new car?

    Yes. If you go on our quotation page, there is a Transfer of NCD option.

    Do I need to go to a Maybank branch to pick up my policy?

    No, your policy will be delivered to the address indicated in the quotation page.

    At the Post Office, my car registration card is updated. What about online?

    You can have it updated at any MyEG outlets.

    I’m currently not insured with Etiqa, do I have to show my car registration at a Maybank Branch?

    No, you don't. However, just have a copy with you when you fill up the quotation form as we require your engine cubic capacity, chassis no, engine no and year of make of your car, and your car make and model.

    What about my Road Tax?

    Our motor Takaful quotation page is linked to MyEG. You can opt for your Road Tax to be delivered to you at a very minimal charge.

    Depending on your location, your Road Tax can be delivered to you from within 24 hours (in Klang Valley) to a maximum of 5 days.

    Who should I call if I haven’t received my policy?

    You can call us at 1-300-13-8888.

    What about my Cover Note?

    Once your transaction is successful, you will be able to print your eCover Note. This will also be emailed to you.

PesonaLady FAQs
  • Will I be covered if I am abroad?

    You will not be covered if you are outside Malaysia:

    a. on business or vacation for a period exceeding three (3) consecutive months per year; or
    b. to seek medical treatment overseas although such treatment is available locally.

    What happens if I am diagnosed with an illness right after I have purchased the policy?

    The benefit will not be payable for any illnesses occurred or contracted during the first thirty (30) days of the effective date of insurance for the first policy year except for accident.

    Should I decide to cancel my purchase of this policy, will there be a surcharge?

    You are entitled to a 15-day ‘free look’ period after purchase of this policy. Should you decide to cancel, we will refund all premiums paid, less any medical expenses incurred by us in the process of issuing the policy, if any.

    What are pre-existing illnesses and specified illnesses?

    Pre-existing illnesses shall mean disabilities that the insured has reasonable knowledge of. The insured may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

    a. the insured had received or is receiving treatment; or
    b. medical advice, diagnosis, care or treatment has been recommended; or
    c. clear and distinct symptoms are or were evident; or
    d. its existence would have been apparent to a reasonable person in the circumstances.

    Specified illnesses shall mean the following disabilities and its related complications, occurring within the first hundred twenty (120) days of insurance of the insured:

    a. Hypertension, diabetes mellitus and cardiovascular disease
    b. All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system
    c. All ear, nose (including sinuses) and throat conditions
    d. Hernias, haemorrhoids and fistulae
    e. Endometriosis including disease of the reproductive systemf. Vertebro-spinal disorders (including disc) and knee conditions

    Is there any survival period for Female Cancers benefit?

    Yes, you will be subjected to thirty (30) days of survival period from the day you are diagnosed with any Female Cancers.

    What happens if I decide to switch policies?

    You are advised to consider carefully before switching products as the new product will have its own underwriting benefits, provisions, conditions and exclusions which may or may not be appropriate to your insurance needs. If in doubt as to whether PesonaLady is suitable for you, please contact our Customer Service or Financial Executive.

    Is policy renewal guaranteed?

    The renewability of the policy is not guaranteed and the Insurer reserves the right to cancel the policy accordingly at policy renewal by giving a minimum thirty (30) days written notice to the insured.

    What happens if I forget to pay the premium?

    The cessation of premium payment before the end of the period of insurance will lead to an early termination of coverage to the insured.

Prestige PA FAQs
  • How comprehensive is the Medical Benefit of this plan?

    If an accident occurs, you will receive up to RM100 for outpatient cash benefit at a registered clinic or hospital. If your injury is caused by a snatch thief, you will receive a lump sum cash of RM500 (with police report). If you're hospitalised, you will receive up to RM300 a day for 100 days. If surgery is needed, you will receive another benefit of up to RM9,000. On top of that, the ambulance fee of up to RM500 is payable

    Does the premium increase as I get older?

    No. Your premium remains unchanged as long as your policy is in force.

    What if I have other insurance?

    All benefits are paid even if you have any other insurance plans elsewhere.

    When does my cover begin?

    Your cover begins the day our Financial Executive accepts your completed Proposal Form.

    What are the exclusions?

    There are only the normal exceptions where cover cannot be extended. These are war, terrorism, suicide, sickness or disease, high risk sporting activities such as parachuting or private aviation and drugs or alcohol related accidents. Please refer to the policy document for full details of Exclusion Clauses.

    What are the excluded occupations?

    1. Airline personnel and aircrew
    2. Professional sports players
    3. Participation in any speed contest
    4. Explosive makers, handlers and custodians, blasters
    5. Miners and underground workers
    6. Ship crews, fishermen and divers
    7. Naval, military or air force
    8. Detectives and policemen
    9. Armed guards and armed occupations
    10. Loggers

    How do I apply?

    Our Financial Executive will provide you with the Proposal Form. If you're in good health and free from physical deformity, we guarantee acceptance and you'll be covered from the day we receive your completed Proposal Form. We also guarantee your money back if you're not satisfied in the first 30 days.

    How do I pay?

    Your premium will be automatically debited from your Maybank account according to your choice of payment mode—either monthly or yearly. Just complete the Payment Instruction on your Proposal Form. This hassle-free service is free.

    What is the claims procedure?

    Our Claims Helpdesk Service Officer will offer immediate help with the claim and can be contacted at toll-free 1-800-88-9006 or fax 03-2710 2542.

Privilege PA FAQs
  • How comprehensive is the Medical Benefit of this plan?

    If an accident occurs, you will receive up to RM100 for outpatient cash benefit at a registered clinic or hospital. If your injury is caused by a snatch thief, you will receive a lump sum cash of RM300 (with police report). If you're hospitalised, you will receive up to RM200 a day for 100 days. If surgery is needed, you will receive another benefit of up to RM4,500. On top of that, the ambulance fee of up to RM500 is payable.

    Does the premium increase as I get older?

    No. Your premium remains unchanged as long as your policy is in force.

    What if I have other insurance?

    All benefits are paid even if you have any other insurance plans elsewhere.

    When does my cover begin?

    Your cover begins the day our Financial Executive accepts your completed Proposal Form.

    What are the exclusions?

    There are only the normal exceptions where cover cannot be extended. These are war, terrorism, suicide, sickness or disease, high risk sporting activities such as parachuting or private aviation and drugs or alcohol related accidents. Please refer to the policy document for full details of Exclusion Clauses.

    What are the excluded occupations?

    1. Airline personnel and aircrew
    2. Professional sports players
    3. Participation in any speed contest
    4. Explosive makers, handlers and custodians, blasters
    5. Miners and underground workers
    6. Ship crews, fishermen and divers
    7. Naval, military or air force
    8. Detectives and policemen
    9. Armed guards and armed occupations
    10. Loggers

    How do I apply?

    Our Financial Executive will provide you with the Proposal Form. If you're in good health and free from physical deformity, we guarantee acceptance and you'll be covered from the day we receive your completed Proposal Form. We also guarantee your money back if you're not satisfied in the first 30 days.

    How do I pay?

    Your premium will be automatically debited from your Maybank account according to your choice of payment mode—either monthly or yearly. Just complete the Payment Instruction on your Proposal Form. This hassle-free service is free.

    What is the claims procedure?

    Our Claims Helpdesk Service Officer will offer immediate help with the claim and can be contacted at toll-free 1-800-88-9006 or fax 03-2710 2542.

Senior PA FAQs
  • Can I buy this policy for my parents?

    Yes, you can buy for your legal parents, yourself and your spouse, as long as you are a Maybank accountholder between 18 to 70 years of age.

    Can I continue my policy after 70 years of age?

    Yes. You may continue your policy until you reach 75 years of age.

    How do I pay for my premium?

    If you apply at our branches, you just have to complete the Payment Instruction on your Proposal Form and submit it to the Financial Executive at any Maybank branch.

    If you apply via Maybank2u.com, you will be required to choose the account from which payment should be debited from and your payment mode (monthly/annually) before you submit the form online. This autodebit service is free.

    When does my coverage begin?

    If you apply via Maybank2u.com, your coverage begins immediately after your application is successfully submitted.

    If you apply via one of our branches, your cover begins from the day our Financial Executive accepts your completed Proposal Form.

    Does the premium increase as I get older?

    No. Your premium remains unchanged until your policy expires or is cancelled.

    Can I claim if I'm hospitalised for illness or disease?

    No. This policy provides coverage for accidental injuries only.

    What are the exclusions?

    This policy excludes bodily injury that is contributed by a pre-existing condition. It also does not cover other standard exclusions like war, terrorism, extreme or high-risk sports, drugs or alcohol-related accidents. Please refer to the Policy Contract for full details of Exclusions.

    What if I have other insurance?

    All cash and lump sum benefits are paid on top of any other insurance policies you may have elsewhere. Reimbursement benefits such as medical expenses, ambulance fee and recovery benefits will be paid subject to the original receipt provided.

    Can I upgrade to a higher plan in the future (e.g. Silver Plan to Diamond Plan)?

    No. It is wise for you to choose the highest plan that is available at the time of application because you will enjoy the highest benefit at discounted premiums.

    How do I make a claim?

    Please contact our Claims Helpdesk Service Officer at toll free 1-800-88-9006 or fax 03-22834289.

    How do I apply for Senior PA?

    Visit any Maybank branch today and get the Proposal Form from our Financial Executive. Complete the form and you will be covered from the day we receive your completed Proposal Form.

    Alternatively, you can apply online via Maybank2u.com. You are covered immediately once your Proposal Form is submitted successfully. However, money from your selected account will only be debited based on the Autodebit cycle.

    When will I receive my policy?

    You will receive your policy immediately after you have submitted your completed Proposal Form to our Financial Executive.

    If you apply via Maybank2u.com you will receive your policy within 7 working days. However, if you do not receive it within that period of time, please call our Customer Care hotline at 1-300-88-6688.

    What should I do if I want to change my scheme or plan after submitting the application?

    If you apply online, please call our Customer Care hotline at 1-300-88-6688.

    How will I know if my online application is successful?

    Your online application is considered successful when you see the confirmation page consisting of your selected plan and personal details of which you can print out. If there is any error during the application process, an error message will pop up on your screen. Alternatively, you may call our Customer Care hotline at 1-300-88-6688.

Takaful Hero15 FAQs
  • Will I be protected if I am abroad?

    Yes, you will be protected if you are outside Malaysia on the purpose of business, study or vacation for a period not exceeding three (3) consecutive months.

    Can I claim for a traditional/alternative treatment expenses?

    Yes, provided that such treatment is sought subsequent to any medical and hospital treatment due to accident.

    Can I buy this certificate for other person (e.g husband or father)?

    Yes, you can buy for other person such as for your husband or your father, as long as you are a Maybank accountholder. The certificate will be under the name of the Participant.

    Is the certificate renewal guaranteed?

    The renewability of the certificate is not guaranteed and the Participant reserves the right to cancel the certificate accordingly at certificate renewal by giving a minimum thirty (30) days written notice to the Participant.

    How do I pay my contribution?

    Your contribution will be automatically debited from your Maybank savings, current account or any credit card. You just have to complete the Payment Instruction on your Proposal Form. This hassle-free service is FREE OF CHARGE


    What happens if I forget to pay the contribution?

    Not paying before due date will result in early termination of coverage to the participant.

    Should I decide to cancel my purchase of this certificate, will there be any surcharge?

    You are entitled to a fifteen (15) days ‘free look' period after purchase of this certificate. Should you decide to cancel, we will refund all contribution paid, less any medical expenses incurred by us in the process of issuing the certificate, if any.

    How do I make a claim?

    Please contact our Claims Assist at 1-300 88 1007

Takaful PA Plus FAQs
  • How comprehensive is the Medical Benefit of this plan?

    If an accident occurs, you will receive up to RM100 for outpatient cash benefit at a registered clinic or hospital. If your injury is caused by a snatch thief, you will receive a lump sum cash of RM150 (with police report). If you're hospitalised, you will receive up to RM100 a day for 100 days. If surgery is needed, you will receive another benefit of up to RM1,000. On top of that, the ambulance fee of up to RM200 is payable.

    Does the premium increase as I get older?

    No. Your premium remains unchanged as long as your policy is in force.

    What if I have other insurance?

    All benefits are paid even if you have any other insurance plans elsewhere.

    When does my cover begin?

    Your cover begins the day our Financial Executive accepts your completed Proposal Form.

    What are the exclusions?

    There are only the normal exceptions where cover cannot be extended. These are war, terrorism, suicide, sickness or disease, high risk sporting activities such as parachuting or private aviation and drugs or alcohol related accidents. Please refer to the policy document for full details of Exclusion Clauses.

    What are the excluded occupations?

    1. Professional sports players
    2. Participation in any speed contest
    3. Explosive makers, handlers and custodians, blasters
    4. Miners and underground workers
    5. Ship crews, fishermen and divers
    6. Naval, military or air force
    7. Detectives and policemen
    8. Armed guards and armed occupations
    9. Loggers

    How do I apply?

    Our Financial Executive will provide you with the Proposal Form. If you're in good health and free from physical deformity, we guarantee acceptance and you'll be covered from the day we receive your completed Proposal Form. We also guarantee your money back if you're not satisfied in the first 30 days.

    How do I pay?

    Your premium will be automatically debited from your Maybank account according to your choice of payment mode—either monthly or yearly. Just complete the Payment Instruction on your Proposal Form. This hassle-free service is free.

    What is the claims procedure?

    Our Claims Helpdesk Service Officer will offer immediate help with the claim and can be contacted at toll-free 1-800-88-9006 or fax 03-2710 2542.

Takaful Privilege PA FAQs
  • How comprehensive is the Medical Benefit of this plan?

    If an accident occurs, you will receive up to RM100 for outpatient cash benefit at a registered clinic or hospital. If your injury is caused by a snatch thief, you will receive a lump sum cash of RM300 (with police report). If you're hospitalised, you will receive up to RM200 a day for 100 days. If surgery is needed, you will receive another benefit of up to RM4,500. On top of that, the ambulance fee of up to RM500 is payable.

    Does the premium increase as I get older?

    No. Your premium remains unchanged as long as your policy is in force.

    What if I have other insurance?

    All benefits are paid even if you have any other insurance plans elsewhere.

    When does my cover begin?

    Your cover begins the day our Financial Executive accepts your completed Proposal Form.

    What are the exclusions?

    There are only the normal exceptions where cover cannot be extended. These are war, terrorism, suicide, sickness or disease, high risk sporting activities such as parachuting or private aviation and drugs or alcohol related accidents. Please refer to the policy document for full details of Exclusion Clauses.

    What are the excluded occupations?

    1. Airline personnel and aircrew
    2. Professional sports players
    3. Participation in any speed contest
    4. Explosive makers, handlers and custodians, blasters
    5. Miners and underground workers
    6. Ship crews, fishermen and divers
    7. Naval, military or air force
    8. Detectives and policemen
    9. Armed guards and armed occupations
    10. Loggers

    How do I apply?

    Our Financial Executive will provide you with the Proposal Form. If you're in good health and free from physical deformity, we guarantee acceptance and you'll be covered from the day we receive your completed Proposal Form. We also guarantee your money back if you're not satisfied in the first 30 days.

    How do I pay?

    Your premium will be automatically debited from your Maybank account according to your choice of payment mode—either monthly or yearly. Just complete the Payment Instruction on your Proposal Form. This hassle-free service is free.

    What is the claims procedure?

    Our Claims Helpdesk Service Officer will offer immediate help with the claim and can be contacted at toll-free 1-800-88-9006 or fax 03-2710 2542.

Maybank2u FAQs
Phishing Scam FAQs
  • What is phishing?

    Phishing is a process where scammers trick you into giving them your user IDs, passwords or credit card details, so that they can gain access to your online banking accounts.

    Victims are known to receive phone calls, SMS or most frequently emails claiming to be from a bank or trading partner, asking them for personal information to re-register or update their accounts. Soon after they've provided this information, they usually find that their banking accounts have been cleared out.

    How do I recognise a phishing scam / site?

    Here are a couple of ways you can spot a phishing scam

    • you receive a phone call, SMS or email asking you to provide personal/ security information or TAC
    • a phishing email link, when clicked, will open into an un-secure login site, with its URL most likely to begin with http, instead of the secure https
    • the phishing site's URL may contain misspelled words, like "Mybank" instead of Maybank.

    How do I prevent phishing attempts?

    Here are several safe tips to minimise threats of "phishing" and similar scams

    • Do not trust any phone calls, SMS, e-mail, web and chat that requests for your personal details and identity.
    • Never click on a URL link in an e-mail or fill out forms in e-mail messages and un-trusted websites.
    • Go directly to your bank's web site to access Internet Banking and manually key in the company's web site address in the browser's URL bar.
    • Keep up-to-date with the latest security patches. Update your Operating System and Internet Browser with the latest patches, making sure all security and critical patches are applied. Use anti-virus software and, if possible, personal firewalls. Ensure your anti-virus software is up to date with the latest signatures.
    • Scanning your PC regularly from a popular anti-virus web site is also recommended.
    • Lastly, if an online money-making scheme seems too good to be true, it probably is. This generally holds true for off-line schemes as well!
Bills & Statements FAQs
  • What is Bills & Statements?

    Bills & Statements provides your monthly statements and bills (banking statements, credit card and selected bills, advices and notices) in M2U. So you have the option of viewing and saving them in your computer instead of receiving a printed statement by mail every month.

    How do I activate access to Bills & Statements?

    The first time Bills & Statements is accessed, you will be required to read and accept the Terms and Conditions of Access. This is a one-time acceptance and after this, you will be able to view your bills and statements directly.

    Steps to activate:

    1. Login to Maybank2u.com
    2. Select "Bills & Statements" in the main page.
    3. You will be prompted to read and accept the Terms and Conditions of Access to Bills & Statements, if you have not previously done so. (Please read carefully and understand it before continuing.) 
    4. Click "Accept" to proceed.
    5. You can now view and download your statements or register to view your bills* in M2U.

    Important:

    • When you accept the Terms and Conditions of Access to Bills & Statements, you agree that you will no longer receive printed statements by mail from the Bank. However, you will continue to receive your bills until further notice.
    • *Please allow 3 to 4 days after registration to view bills online.
    • You require Adobe Acrobat Reader version 7 or above to open PDF files. 
    • Your statements may be updated at different times of the month, according to the account type, and not on the 1st of each month.

    What are the charges for this service?

    It is free of charge.

    What bills and statements will I be able to view in M2U?

    You can view statements for:

    • Savings Accounts (passbookless accounts only): Conventional, Islamic and Joint accounts. Your account must have a minimum average balance of RM1,000 for 1 statement cycle. (Online statements are not available for passbook savings accounts)
    • Current Account: Conventional, Islamic and Joint accounts
      (Not available for combined statement)
    • Credit Cards: Maybankard Visa, MasterCard, American Express
    • Trading Accounts: Maybankinvest Share Margin Financing, Maybank Investment Bank Berhad

    You can view bills for:

    • Telekom Malaysia
    • Tenaga Nasional Berhad (TNB) and 
    • DiGi (Postpaid)

    More bills will be available later.

    Will I be able to view my statements anytime?

    You will be able to login and view your bills during the time Maybank2u.com is available. However, bear in mind that you are viewing your monthly bills which will be updated at different times of the month according to your billing cycle and not necessarily on the 1st of each month.

    You need to have Adobe Acrobat Reader version 7 (or above) to open the PDF files.

    Will I be able to view all monthly statements on the 1st of each month?

    Monthly statement updates vary according to account type and billing date. Here is a guide for your reference.

    Statements

    Statement Availability

    Current Account 4th day of the month
    Savings Account 8th day of the quarter (3 months per statement cycle)
    Credit Card 3 days from the statement cycle date
    Maybankinvest Daily Statements - 3 days from the statement cycle date Monthly Statements - 4th day of the month
    Aseambankers Daily Statements - 3 days from the statement cycle date Monthly Statements - 7th day of the month

    How many months’ statement history will be available in Maybank2u.com?

    You will be able to view the following:

    Account Type Time Period
    Passbookless Savings Account 1 cycle or 3 months’ statements
    Current Accounts 3 months’ statements (1 present + 2 previous)
    Credit Cards 3 months’ statements (1 present + 2 previous)
    Trading Accounts
    • Monthly Statement
    • Daily Statement
    3 months’ statements (1 present + 2 previous) 30 days

    What is the difference between my M2U Account Summary and Bills & Statements?

    The difference is:

    • Your M2U Account Summary shows your real time account balances and transactions to date.
    • Bills & Statements stores your monthly account, credit card, trading account and other statements. These statements may be updated at different times of the month, according to the account type, and not on the 1st of each month.

    How do I print/download my bill or statement?

    You have the option of printing your statement or saving it in your computer. You require Adobe Acrobat version 7 & above for this.

    1. Go to "Statement Summary" or the "Statement Details" page.
    2. Select the "Download/Print" button.
    3. Your statement will be displayed in PDF format.
    4. Click on the PDF icon to open your statement.
    5. Proceed to print or select the "Save" button to download it to your computer.

    Notes:

    For offices with restricted access to the internet, please get help from your administrator offices to download Adobe Acrobat. There is no Print/Download function for Maybankinvest monthly statements. This will be mailed to you.

    What is needed to register my bills for this service?

    Here's what you need to register your bills for the following Payee Corporations: 

    • Telekom - IC Number
    • TNB - Contract Number (or "No. Kontrak")
    • DiGi - Mobile Number 

    My TNB bill Contract No. only has 6 digits but an 8-digit number is required for bill registration in M2U. What do I do?

    If your Tenaga Nasional Berhad bill Contract No. (No. Kontrak) is less than 8 digits, please add zeros in front of the numbers to make it 8 digits in total.

    Will my electronic statement be accepted in case of any dispute?

    It is a valid document. All you have to do is obtain an endorsed copy at any Maybank branch in case of dispute or for other purposes.

    If I am a joint account holder, will I be able view my bills and statements?

    Both primary and secondary joint account holders will be able to view bills and statements in M2U.

    Will I continue to receive printed bills and statements by mail?

    Once you choose to accept the Terms and Conditions of Access to Bills & Statements, you will no longer receive printed Current/Savings Account & Credit Card statements by mail. You will be able to view and download them at Maybank2u.com.

Email Statement Delivery FAQs
  • What do I need to do to receive my Electronic Statements via email?

    To receive Electronic Statements via email, please logon to M2U to accept the "Stop Hardcopy T&C". In order to do that, follow these steps: 

    1. Login to M2U
    2. Select "Bills & Statements" and then "Statements"
    3. If you are a first time Bills & Statements user, it will prompt you to accept the "Stop Hardcopy T&C". Click Accept.
    4. Then select "Email Statement Delivery" and enter your email address and email statement password. 

    If you are NOT a first time "Bills & Statement" user, you will just need to click on "Email Statement Delivery" and enter your email address and email statement password.

    What if I don’t have a Maybank account? I only have Maybankard Credit Cards and American Express Credit Cards.

    If you don't have a Maybank account and only have Maybankard Credit Cards and American Express Credit Cards, then you need to do the following:

    1. Visit any Maybank branch and present your Maybankard and American Express Credit Cards to obtain your Pin number.
    2. Log on to M2U under New Users: First time login.
    3. You will have to accept the M2U Terms & Conditions.
    4. Key in your Access No. (Credit Card No) and the Pin number provided by your home branch
    5. Create your M2U User ID and password
    6. Select "Bills & Statements" and then "Statements"
    7. Select "Email Statement Delivery" and enter your email address and email statement password.

    Upon registration of my Email Statement Delivery, when will I start receiving e-statements in my Inbox?

    You will start receiving your e-statements in the following billing statement cycle. However, should you register online in February 2010, you will only start receiving your e-statements during our first e-statement roll-out in March 2010.

    What if I forgot my email statement password?

    You can reset your email statement password by performing the following steps:

    1. Logon to M2U 
    2. Select "Bills & Statements" and then "Statements"
    3. Select "Email Statement Delivery"
    4. Enter your new email statement password and your existing email address.
    5. Click "Confirm"

    Please note that you will only be able to view new statements delivered to your inbox after the creation of your new password. You will NOT be able to access your old statements with the new password. However, you will be able to view your current and previous 2 months statements via M2U "Bills & Statements".

    Is this safe? Will someone else be able to view my e-statement?

    As long as you do not share your email statement password, only you will have access to your e-statement.

    Will my payment due date change if I opt for e-statements? How long before I receive it?

    No, your payment due date will not change. You will receive it in your Inbox within 3 working days of your statement date.

    How will I know when my e-statements have been sent to my email inbox?

    You will receive an email from M2U@bills.maybank2u.com.my.

    When I applied for the American Express Gold Credit card, I was told I will only be receiving e-statements. However I have been receiving hard copy statements and not email statements.

    Yes, you were receiving hardcopy statement as we were still working on some technical enhancements. However, from 5th February 2010 you will be able to register online at Maybank2u.com and we will start sending out electronic statements effective March 2010. For the American Express Gold Credit Cards, any hardcopy statement request will have a nominal charge of RM5 per month from April 2010 onwards.

    When I applied for the American Express Gold Credit card, I had already stated my email address in the application form. Why do I need to register on M2U again?

    Although you have provided your email address in the application form, for security reasons, you are still required to logon to M2U and register your email address and email statement password. The email address that you provided will appear automatically when you logon. You may change or maintain the same email address and enter your password.

    Will I be charged if I opt to receive hardcopy statements?

    Yes, a fee of RM5 will be billed to your account every month, commencing April 2010 for the American Express Gold Credit Card only.

    Once I accept the T&C online for agreeing to receive e-statements for the American Express Gold Credit Card, if I also hold an American Express Platinum Credit Card and Singapore Airlines KrisFlyer American Express Gold Credit Card, will I also stop receiving the hardcopies for both these cards?

    Yes, once you accept the T&C online, you will stop receiving hardcopy statements for all your Maybankard and American Express Credit Cards. However, should you wish to receive hardcopy statements, you will have to call our Customer Service Consultants. There will be no charge for these statements except for the American Express Gold Credit Card, where a fee of RM5 a month will be charged to your account from April 2010 onwards.

    What if I don’t do anything and leave it as it is? Will I stop receiving my hardcopy statements?

    American Express Gold Credit card customers who have not registered for Bills & Statements on M2U will continue to receive their hardcopy statements, but a nominal fee of RM5 will be charged to their account each month. Maybankard cardholders will still continue to receive their hardcopy statements without any charge.

    I also have an American Express Gold Charge Card. Will I be able to receive e-statements for the Charge card as well in the same email?

    No, currently this facility is only applicable for Maybankard and American Express Credit Cards only.

Online Stocks Login FAQs
  • What is Online Stocks login?

    For the benefit of share trading customers, the new Online Stocks login allows Maybankinvest and Aseambankers accountholders to login directly to Maybank2u.com Online Stocks.

    This login is separate from your Online Banking login, although your username and password remain the same.

    Who can use this feature?

    This access is open to Maybankinvest and Aseambankers share trading customers who are registered Maybank2u.com Online Banking users.

    It is not available for:

    • imteen accountholders
    • Maybank2u.com Biz accountholders
    • Maybank credit cardholders without a Maybank current/savings account
    • Non-share trading customers / share trading accounts that have not been activated

    How much does it cost?

    It is currently available free of charge.

    Can I login through Online Stocks to do Online Banking?

    No, you cannot. Selecting the "Online Banking" tab in Online Stocks will take you to the Online Banking login page. Enter your Maybank2u.com username and password to proceed.

    Do I need a different username and password?

    No, you don't. Use your current Maybank2u.com username and password.

    Can I use the Online Stocks Login to view market prices if I don't have a share trading account?

    You will not be able to. You have to login to Online Banking and select "Online Stocks" to view this information.

    How do I use the Online Stocks Login if I have more than one Online Banking ID and password?

    You can access Online Stocks login via any of your access / user IDs as long as your IDs use the same IC no.

Maybank2u PIN/Password FAQs
  • What should I do if I forget my M2U password?

    If you've forgotten your M2U password, here is what you need to do:

    1. Click on the "Forgot Password" in M2U home page
    2. Key in the required fields.
      • Username
      • Access No. (this is your ATM Card No. or your Credit Card No.)
      • New I/C No., Armed Forces No., or Business Registration No.
    3. Click "Submit"
    4. You will receive a Reset Password Code (RPC) on your mobile phone.
    5. Key in your new password and confirm your new password. Then, key in the RPC code you received on your mobile and click "Submit"
    6. You can now login to M2U with your new password.

    Notes:

    • Applicable for Individual and Sole Proprietor accounts only.
    • Not applicable for imteen, and Professional & Partnership accounts.
    • Your mobile phone must be registered to receive TAC in order to use this service
    • Access No. is a 16-digit number given by your home branch in absence of an ATM Card or Credit Card
    • Passwords must be alphanumeric with 8 to 12 characters.


    Important:

    If you do not have a TAC registered mobile, please contact our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (overseas) to necessitate "untagging" of your record

    Can I change my password?

    Yes, you can change your password using the Personal Details after logging in to Maybank2u.com.

    What should I do if I forgot my Internet Banking PIN?

    If you've forgotten your M2U passowrd, here is what you need to do:

    1. Contact our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (overseas) to necessitate "untagging" of your record.
    2. Visit the nearest ATM and create a new Internet Banking PIN.
    3. You are then required to perform another first time login using your Access No. and new Internet Banking PIN.
    4. Your username will be displayed and you need to choose a new password.

    What precautions can I take to protect my PIN and password?

    It is recommended that you do the following:

    • Memorise your PIN and password. For security reasons, do not write them down.
    • Do not tell anyone of your PIN and password.
    • Make sure that no one is looking when you are keying in your PIN and password.
    • Ensure that your computer system is secured.
    • Always log out when you finish your online financial transactions.
    • Avoid accessing Maybank2u.com Online Banking from a public terminal e.g. a cyber cafe. However, if you must, please remember to clear your cache after each session.
    • Avoid storing your password when using Internet browsers. The "AutoComplete" function in Microsoft Internet Explorer 5 stores and lists possible matches from entries you entered previously. You can prevent passwords from being stored in Internet Explorer 5 by deactivating the "AutoComplete" function.

    "Your username and password cannot be the same." Why was this message displayed when I tried to login?

    The message will be displayed if your username and password are the same. For security reasons, your username and password should be different. You are advised to change your password to enable login.

    How can I prevent my password from being automatically displayed after keying in the USER ID when using Internet Explorer 5?

    Internet Explorer browsers have a feature that allows you to capture and store your user ID and password. This allows anyone with access to your computer to log into Maybank2u.com without even knowing your user ID and password.

    The "AutoComplete" function in Internet Explorer stores and displays matches for what you are typing. To prevent your password from being automatically displayed after keying in your user ID, please disable the "AutoComplete" function as follows:

    1. Launch Internet Explorer.
    2. Click on Tools and then Internet Options.
    3. Select the Content tab.
    4. Under AutoComplete, click the settings button.
    5. Uncheck User names and passwords and click the Delete AutoComplete history button.
    6. Click OK to save the changes.

    If I have trouble logging in, what should I do?

    Please contact our Customer Care hotline at 1300 88 6688 or +603 7844 3696 (overseas) for assistance.

    Is there an expiry to my M2U account?

    There is no expiry to your M2U account. However, your account will be automatically deactivated if you do not login to M2U for 6 months.

    My account has been dormant for more than 6 months, and now I can't seem to login. What do I do?

    You will need to re-register for a new M2U account. Please contact our Customer Service at 1-300 88 6688 for assistance.

Transaction Authorisation Code (TAC) FAQs
  • Why do I need a TAC?

    TAC is compulsory for specific transactions because it provides an additional layer of security to protect you against unauthorised access to your account.

    Is TAC the same as the Internet Banking PIN?

    No, it isn't. Your Internet Banking PIN, which is created at the ATM, allows you to activate the "First time login" at Maybank2u.com. TAC is not used for login but for specific transactions and types of activities. TAC will expire after 2 hours if you do not use it, upon request. Once it is activated, you may still use it for another 2 hours. You may perform several transactions with the same TAC.

    How much time do I have before my TAC expires?

    For your online banking safety, your TAC can now only be used while you are still logged on to Maybank2u.com. Your TAC will expire immediately each time you logout.

    Can I request for TAC 24 hours a day, 7 days a week?

    You can request for TAC via Maybank2u, anytime - 24 hours a day and 7 days a week.

    Can I request for a TAC at the bank branch or via email to Maybank2u or by calling the Call Centre?

    No, you can only request for a TAC using Maybank2u (your TAC will be sent via SMS to your mobile phone)

    How do I request for TAC if I'm overseas?

    You can request for a TAC at Maybank2u and it will be sent to you by SMS if you have pre-registered your mobile phone number at the Branch before leaving the country.

    I have a sole proprietorship account. How do I request for TAC?

    Register your preferred mobile number to request for TAC at Maybank2u and receive it via mobile phone (SMS).

    Will I need a TAC each time I login to Maybank2u?

    TAC is only required for specific transactions. One TAC can be used to register multiple 3rd party accounts and bills. Subsequently, you will not require a TAC for these pre-registered transactions. You will only need to request for a new TAC to add new accounts and bills or to make ad hoc transfers.

    Do I need a new TAC for every transaction?

    You can use the same TAC for one or more transactions that require TAC within one login session. For example, you could make an open 3rd party transfer, create an eStanding Instruction and add a beneficiary to your Favourite 3rd Party Account Maintenance list using the same TAC, but you have to do all this in one login session, before you logout.

    How many times can I use the same TAC?

    You can use the same TAC for the duration of each logon to Maybank2u. Your TAC will expire immediately each time you logout of Maybank2u.

    Can I request for two or more TACs and use them?

    You may, but the latest TAC will immediately override the earlier one for security, therefore only one TAC will be valid at any time.

    Is Maybank the only bank to implement the TAC security procedure?

    Maybank is the first Malaysian bank to implement the TAC as part of our commitment to our customers to maintain the best industry practices. TAC has been successfully introduced for Internet Banking in Singapore.

    Can I cancel or deactivate my TAC?

    No, you cannot. If you do not wish to use your TAC, just delete the SMS or destroy the ATM slip that has your TAC printed on it for security reasons.

    I lost my TAC / I forgot the TAC / My TAC has expired!

    Make a request for a new TAC via Maybank2u.

    How many mobile phone numbers can I register for TAC?

    You may only register one number.

    Can I register my mobile number for TAC via Maybank2u?

    No, you cannot. Your mobile number registration for TAC can only be done at the Branch for security purposes.

    Can I register a foreign mobile phone number?

    TAC access is only available to Malaysian registered mobile phones with international call roaming service - 012, 019, 013, 014, 016, 017, 010 and 018.

    Can I use the same mobile number that I registered for SMS Alerts/Maybank-Maxis Mobile Financial Services?

    Yes, but you will have to register your mobile number again at a Maybank Branch. You will not be able to register your mobile phone number for TAC at Maybank2u.

    How do I change my mobile number for TAC?

    Just register your new number at the nearest Maybank branch. 

    Can I request for TAC using my mobile phone (SMS)?

    No. Your TAC request must be done via Maybank2u. You can only receive TAC via SMS, sent to the mobile phone number you registered.

    Is there a charge for TAC via mobile phone (SMS)?

    It is available free of charge for a limited period.

    How long does it take to receive TAC via mobile phone (SMS)?

    The delivery time depends on the traffic volume of your mobile service provider.

    I entered my TAC as requested but got an error message.

    You may receive an "error" message for the following reasons:

    • Your TAC is incorrect or has expired
    • You have exceeded the maximum number of three tries
    • You need to request for a new TAC because your login access was previously denied

    There was a service interruption/time-out during the transaction. Is my TAC still valid or do I need a new one?

    You will only require a new TAC, if you have to login into Maybank2u again.

    What happens if I enter a wrong TAC?

    If you enter an invalid TAC 3 times, you will be forced to "Logout" upon your fourth attempt. As a security precaution, your TAC will be deactivated immediately and you will not be allowed to log in to Maybank2u.com on your next "Login". Call our Customer Care hotline at 1-300-88-6688 or +60-3-7844 3696 (overseas) for assistance to reactivate login access to Maybank2u.com. You will also have to request for a new TAC to proceed with your transaction.

    I lost my ATM receipt with the TAC on it. How can I ensure my TAC is not compromised?

    Apply for a new TAC immediately.

    What happens if I suspect illegal or fraudulent transactions from my account?

    Please contact our Customer Care hotline at 1-300-88-6688 or 03-58914744 immediately.

    How will I know that the TAC number I’ve received on my mobile is from Maybank2u?

    All TAC numbers from Maybank2u should be delivered from any of the following shortcode numbers:

    Telco Shortcode
    Maxis 66628 / 39628
    Celcom 66628 / 39628
    DiGi 66628
    U Mobile +31 XXXXX

    If there is any unforeseen service interruption to any of the telco's platforms, you should receive your TAC from the following authorised longcode numbers:

    Longcode
    + 31 XXXXX
    60172020993
    60133698082
    60162017841
    60172020993
Online Banking for Business Customers FAQs
  • How do I apply for a Maybank2u.com account?

    You should visit your home branch for assistance on opening an M2U account.

    How many users can access the company’s internet banking account?

    For Small Business, the company may appoint only one Maybank2u.com user to access the company's internet banking account. However, for Small Medium Enterprise (SMEs), the company can appoint up to 3 users for access to the company's internet banking account.

    Is FTT open to all M2U. Biz customers?

    Yes. FTT is open to all M2U. Biz customers.

    Can I perform Open Payment or Fund Transfers?

    No. You can only perform Registered Payments and Fund Transfers.

    Can I register / de-register my bills, 3rd party account Interbank GIRO account and FTT account via Maybank2u.com?

    These services are currently unavailable.

    How do I register / de-register my Bills and Accounts?

    You should visit your home branch for assistance on the necessary forms needed for submission, as well as statement bills for the payment.

    Where can I get the form to register my Bills and Account?

    The form is available www.maybank2u.com

    If I already have access to M2U for my individual account, can I link my business account to allow the same access?

    No. You cannot link your individual account to your business account.

    If I have forgotten my Password / Internet Banking Pin, how should I re-apply for a new Password and Internet Banking Pin?

    You will need to visit your home branch to reapply for your Internet Banking Pin.

    What is the maximum transaction limit for 3rd Party Fund transfers, Interbank GIRO and Foreign Telegraphic Transfer?

    The maximum transaction limit will be:

    • 3rd Party Fund Transfer: RM50,000
    • Interbank GIRO: RM10,000
    • Foreign Telegraphic Transfer: RM10,000

    What are the services available on M2U.Biz?

    • Account Summary & Internet Transaction History
    • Cheque Services - Cheque Status, Stop Cheque, Request for Cheque Book
    • Funds Transfer - Own Accounts, Registered 3rd Party, Registered Interbank GIRO , Foreign Telegraphic Transfer and Enquire & Cancel Future Transfer.
    • Registered Bill Payment - Make payments to over 500 payees , Make future payments, Enquire & Cancel Future Payment
    • Forex Counter Rates
    • Utilities - Change Password
    • Bills & Statements
    • M2U Mobile
M2U Enhanced Security FAQs
  • What is M2U enhanced security?

    M2U enhanced security is an additional security feature. It safeguards customers as they carry out banking transactions through various additional steps of verification that reinforces the fact you are at M2U's valid website.

    What does this enhanced security consist of?

    It consists of the following: an image, a phrase and three challenge questions. This information is known to you only when logging in to your account whether from your own computer or somewhere else.

    Why do I have to use this new security feature?

    It is an additional security solution that will help to protect you against identity and account information theft

    Who will be able to use this new security feature?

    It is currently open to Individuals, Imteen and Sole Proprietor M2U users.

    How do I enroll for this enhanced security?

    Existing M2U users

    • Type in manually our URL Address www.maybank2u.com.my at a fresh address tab in your web browser and you will see M2U main page.
    • Click on the "Login" button located at the top right hand corner of M2U main page and you will arrive at M2U login page.
    • Enter your existing "Username" and click "Next".
    • Enter your existing "Password" and click "Login".
    • Click "Register" to proceed to enrolment for enhanced online security.
    • Choose an image and key in a phrase for your image. DO NOT enter your password; please choose a phrase you can remember. Then click "Submit".
    • Select your challenge questions and key in your answers.
    • Please ensure your image, caption, challenge questions and answers are all correct. Then click "Submit" to confirm.
    • Upon successful enrolment, you will be directed to the homepage of M2U secured site. You can now perform your online banking as usual.

    First Time Login for New M2U Customers

    • Type in manually our URL Address www.maybank2u.com.my at a fresh address tab in your web browser and you will see M2U main page.
    • Click on the "Login" button located at the top right hand corner of M2U main page and you will arrive at M2U login page.
    • Click on "First Time Login" button.
    • Read the Terms & Conditions carefully, and then click "Accept".
    • Enter your Access Number and 6-Digit PIN. Then click "Activate".
    • Enter your preferred Username and New Password. Then re-enter your password and click "Confirm".
    • Click "Register" to proceed to enrolment for enhanced online security.
    • Choose an image and key in a phrase for your image. DO NOT enter your password; please choose a phrase you can remember. Then click "Submit".
    • Select your challenge questions and key in your answers.
    • Please ensure your image, caption, challenge questions and answers are all correct. Then click "Submit" to confirm.
    • Upon successful enrolment, you will be directed to the homepage of M2U secured site. You can now perform your online banking.

    Will I need to change my password?

    No. Your password remains the same as this is just an additional security feature.

    How do I login to M2U subsequently?

    • At our M2U login page, enter your Username and click "Next".
    • Your selected image and phrase will appear. Ensure the image and phrase displayed is what you have chosen during security enrolment. Otherwise, DO NOT proceed and kindly contact our customer service at 1300 88 6688 for assistance. If confirmed, enter your existing Password and click "Login".
    • You are now logged into M2U secured site.

    How is this enhanced security more secure?

    It has additional features for verification that your are at the actual M2U website before your enter your password. Further verification is carried out by the system asking you a challenge question during transaction if the situation warrants.

    Why do I need to set up the challenge questions?

    Challenge questions are for further verification during transaction if the situation warrants. In the case that someone else has access to your Username and Password, they will not know the answers to the challenge questions as the answers provided are only known to you.

    Is my image secure?

    Image that is presented to you during your registration process comes from a large selection of images, but randomly selected and shown for your selection. Therefore, it will be difficult for an unauthorized party to display your selected image for your verification.

    Can I upload my own image?

    For security reasons, we are unable to allow uploading of your own images. However, we do provide a large selection of images for you to choose from.

    Can I still change the image, phrase and challenge question after enrolment of this new security feature? How?

    Yes, you can. Please follow the steps below:

    • Login to M2U secured site from a computer and click on "Personal Details".
    • To change your image, click on "Change Site-To-User Image". Choose another image and enter your new phrase and TAC number.
    • To change your challenge questions, click on "Change Challenge Questions". Select new question(s) of your preference and enter new answer(s) and TAC number.

    What if I have forgotten my image and/or phrase?

    You can opt to reset your password online and with that, you will be able to choose a new image, phrase and even challenge questions. Here is what you need to do:

    • Click on the "Forgot Password" button at M2U main page.
    • Key in the required fields i.e.
      - Username
      - Access No. (This is your ATM Card No. or Credit Card No.)
      - New I/C No., Armed Forces No., or Business Registration No.
    • Click "Submit".
    • You will receive a Rest Password Code (RPC) on your mobile phone.
    • Key in your new password and confirm your new password. Then, key in the RPC you received on your mobile and click "Submit".
    • Choose your image and key in your phrase and click "Submit".
    • Select three challenge questions and key in their answers, then click "Submit".
    • Confirm on the image, phrase, challenge questions and answers.

    You can now login to M2U with your new password.

SMS Alerts FAQs
  • Do you support all local mobile service providers?

    The SMS Alert service is available to 012, 019, 013, 016 and 017 subscribers only. All 010 and 018 subscribers will not be able to access this service.

    Why didn't I receive any SMS alert even though my transaction was successful?

    SMS alerts will not be sent to you if:

    • your mobile phone number is not registered at Maybank2u.com
    • your 010 or 018 mobile number is not supported by this service
    • your mobile phone number is invalid
    • your mobile phone number is not registered in Malaysia
    • the telecommunications service provider system is down for 24 hours or more

    Can I receive SMS alerts when I am overseas?

    Yes, provided you have international roaming service. However, you will need to bear the roaming cost.

    Do I have to pay for this service?

    No, this service is free for a limited period.

Pay bills with Maybank Scan & Pay FAQs
  • Must I retain the transaction slip for payments made via Scan&Pay?

    You are advised to do so as the transaction slip would be useful in case there are discrepancies.

    Can I pay my bills by depositing cash at Maybank's Cash Deposit Machines (CDM)?

    No. All bill payments are debited from your banking accounts. Bill payment transactions must therefore be initiated via your ATM card and PIN.

    Do I have to key in the bill payment amount to Scan&Pay?

    After every successful scanning, the payment amount will appear on the screen except for Tenaga Nasional bills where you will have to manually key in the payment amount.

    Can I Scan&Pay without using my ATM card/PIN?

    No. Scan&Pay requires an ATM card and PIN usage.

Online Bill Payment FAQs
  • Are there any charges for online bill payments?

    There is a 50sen charge for each successful transaction to selected payee corporations. You will be notified when you make a payment to any of these corporations and the amount will be debited from your Maybank account.

    For deposits to your Tabung Haji account, a 50sen fee will be debited from your Maybank account. Lembaga Tabung Haji also charges a fee of RM1 that will be debited from your Tabung Haji Account.

    For education loan repayments to JPA (Pinjaman/Gantirugi), JPA charges a fee of RM1 that will be debited from your Maybank account.

    Can I pay more than one bill at a time?

    Yes, you may pay any number of bills at one time.

    What is 'Future Payment'?

    'Future Payment' lets you schedule payments in advance so you will never miss the due date. Just enter the details of your payment and select the effective payment date. Your account will be automatically debited on the specified date. Please ensure there are sufficient funds in your account.

    You can also use eStanding Instruction for your scheduled fixed-sum payments such as loan payments.

    What happens if I have insufficient funds in my account?

    If you are making an immediate payment, you will see an 'Unsuccessful' message and a reject code that informs you of insufficient funds. If it is a 'Future Payment', your payment will not go through on the scheduled date.

    Are bill payments processed on the same day?

    Not all payee corporations process payments daily. Therefore, to avoid late payment, it's best to make your payments in advance. Please note that payments made after 12a.m. will only be credited the next working day.

    Where can I view my payment transactions?

    After you login, click on 'Transaction History'. You will be able to view payments made over the last 60 days. You may print and keep this statement for your record.

    What is the maximum amount that I can pay to my credit card and balance transfer account?

    You can only pay up to the outstanding balance of your credit card or balance transfer account.

    Can I make a future payment to my credit card and balance transfer account?

    Yes. Select 'Effective Date' to decide when you want the payment to be made.

    Can I use my balance transfer account to pay my bills?

    No, you can't.

    Can I use ANY credit card to pay bills via Maybank2u.com?

    You may use any credit card issued by a local financial institution in Malaysia, as long as the card is registered in your name. Credit cards issued outside Malaysia cannot be used at the moment.

    How many credit cards can I register to pay bills?

    You may register up to a maximum of 4 credit cards that belong to you.

    Can I remove the credit card I registered for PayBills?

    Yes. Just select the credit card you wish to remove under "Add/Remove Credit Card" and click "Delete".

    Can I use credit cards from other banks to pay for my Maybankard credit card monthly balance?

    You may only use other credit cards to pay bills at Maybank2u.com. You will NOT be able to use them to settle your Maybankard credit card outstanding balance.

    Is there a limit for payment with other credit cards via Maybank2u.com?

    There is a limit on the number of transactions/amount per payee corporation per day. You will be informed when you reach the maximum amount.

    What happens if I have insufficient credit on the effective payment date?

    We will be unable to process your transaction as your issuing bank will not authorise the payment.

    My Maybank credit card is not shown on my 'Add/Remove Credit Cards' list.

    If your Maybank credit card is linked to your Internet Banking account, your account information details can be viewed in your Account Summary.

    I registered the maximum of four credit cards to pay my bills but some cards are missing when I select 'From Account' to make a payment.

    Don't worry, your credit cards are not missing. Only cards accepted by a particular merchant are displayed.

    I forgot my PayBills password.

    You will have to change your password before you can login.
    If you pay bills using other credit cards:

    • Go to the Login Page and choose the link "If you forget your PayBills password, click here."
    • Then enter your details for ID authentication before changing your password.

    If you are a registered Maybank2u.com user:

    • Call our 24-hour Customer Care hotline at 1-300-88-6688

    I have a Maybankard credit card but I don't have a Maybank account. Can I pay bills online?

    Yes. Select 'Sign Up' in the top menu and follow the step-by-step instructions. You can also pay bills online using credit cards issued by other Malaysian financial institutions if the credit card is registered in your own name.

    I don't have a Maybank account. Can I pay bills using my credit cards from other banks?

    Yes. Select 'Sign Up' in the top menu and follow the step-by-step instructions.

    I want to change from paying bills with other credit cards to enjoy all Maybank2u.com Internet Banking services.

    Select 'Sign Up' in the top menu and follow the step-by-step instructions for existing PayBills customers who want Internet Banking services.

    What do I need to register my hire purchase accounts?

    You will need your Bill Account OR Vehicle Registration number to register your hire purchase account.

    What will I see during the inquiry before payment is being made?

    The Name, Bill Account No. and also the Vehicle Registration No. will be shown during inquiry before confirming your payment.

     

Recurring Payment FAQs
  • What is Recurring Payment?

    Recurring Bill Payment is a function that allows you to schedule a repeatable payment with a fixed amount in a periodic manner, i.e. on a monthly basis.

    How do I register for recurring bill payment?

    You can click on the ‘Click Here' hyperlink upon Successful/Accepted Bill Payment performed in the M2U secured site.

    When can I register for recurring bill payment?

    You can register for recurring bill payment only upon Successful/Accepted Bill Payment performed in the M2U secured site.

    What is the frequency of the recurring bill payment?

    Currently, it's defaulted to a monthly basis.

    Are Credit Card payments allowed for recurring bill payment?

    Yes, Credit Card payments are allowed as long as Bill Payment is performed using a Credit Card.

    Can I choose a different account for recurring bill payment during registration?

    No, you cannot choose a different account during registration for recurring bill payment. The same account (Savings Account / Current Account / Credit Card) used for bill payment will be registered for the recurring bill payment.

    Is there any service charge for recurring bill payment?

    No, there is no service charge for recurring bill payment. However, the existing service charge for the Payee still applies.

    Who can register for recurring bill payment?

    Currently, the recurring bill payment is open to Individual customers only.

    Is recurring bill payment open for Transfers?

    No, recurring bill payment is open for Bill Payment only.

    Are all the Bill Payment Payees entitled for recurring bill payment?

    No, only selected Bill Payment Payees are allowed for the recurring bill payment facility (the listing can be updated, at the Bank's discretion without prior notice).

    How will I know if a payee is entitled for the recurring bill payment?

    There will be a ‘Click Here' hyperlink and a message on your M2U screen stating, "if you want this payment to be automatically deducted on a monthly basis for subsequent months from now" at the bottom if the Bill Payment fulfills the following:

    • Open Bill Payment with "Today" as Effective Date and the Status is Successful.
    • Registered Bill Payment to Favourite Payee with "Today" as Effective Date and the Status is Successful.
    • Open Bill Payment with Future Date as Effective Date and the Status is Accepted.
    • Registered Bill Payment to Favourite Payee with Future Date as Effective Date and the Status is Accepted.

    What is the minimum amount to register for the recurring bill payment?

    The minimum amount to register for the recurring bill payment is RM0.01*.

    * The minimum amount setup by Payee may differ.

    What is the maximum amount to register for the recurring bill payment?

    The maximum amount to register for the recurring bill payment is RM999,999.99*.

    * The maximum amount setup by Payee may differ.

    What is the date allowed for the First Recurring Payment Date?

    The First Recurring Payment Date has to be after the Bill Payment Effective Date.

    What is the date allowed for Last Recurring Payment Date?

    The Last Recurring Payment Date has to be after the First Recurring Payment Date and the Last Recurring Payment Year must not be more than 10 years from the First Recurring Payment Year.

    Can I enter the last date of the month as the First Recurring Payment Date and the Last Recurring Payment Date, i.e. 31st December 2010 and 31st May 2011 respectively?

    Yes, you can. The system will then calculate the end of month date, i.e. 31st December 2010, followed by 31st January 2011, 28th February 2011, 31st March 2011, 30th April 2011 & 31st May 2011.

    Can I enter different dates for the First Recurring Payment Date and the Last Recurring Payment Date?

    Yes, you can. However, the system will debit the amount on a monthly basis as long as the Next Recurring Payment Date is not after the Last Recurring Payment Date.

    Why does the registration for recurring bill payment only made available for Successful/Accepted Bill Payment?

    The registration for recurring bill payment is only made available for Successful/Accepted Bill Payment because our system will populate the necessary information for the recurring bill payment.

    How come the recurring bill payment transaction is not reflected in my M2U History?

    The recurring bill payment is not in real-time as it is posted by day end batch run. Because of this, it will not be reflected in your M2U History. However, the recurring bill payment transaction will be reflected in Today's Transaction (for the same date) and Transaction History under your Account Details module as well as View Past Recurring Bill Payment under the Recurring Payment Maintenance module.

    Is there any possibility that the recurring bill payment will be unsuccessful?

    Yes, there are possibilities that the recurring bill payment will be unsuccessful for instance if there were insufficient funds in your account or if your account was not authorized, etc.

    How can I check if my recurring payments are successful?

    You may keep track of your recurring payments by monitoring your Transaction History under your Account Details, as well as View Past Recurring Payment under the Recurring Payment Maintenance module.

    What happens if my recurring bill payment is unsuccessful?

    Your recurring bill payment for the affected month will not be processed but the recurring payment will still continue for the following month. You may need to manually make payment to the particular payee for the lapsed month.

    Can I amend my recurring bill payment amount and dates?

    No, you cannot make amendments to the registered recurring bill payment details.

    Can I cancel my recurring bill payment?

    Yes, you may cancel your registered recurring bill payment.

    How do I cancel my recurring bill payment?

    You can click on the ‘Manage Future Recurring Payment' hyperlink under the Recurring Payment Maintenance module, select the recurring bill payment record by checking the checkbox and click [Cancel Payment].

    Why are the recurring bill payment records without a checkbox?

    Only Active recurring bill payment records will have a checkbox available for selection. For records either Cancelled or Expired, they will not have a checkbox for selection.

    How do I determine which recurring bill payment record is Cancelled or Expired?

    The Cancelled recurring bill payment record can be identified by the Last Recurring Payment Date being the same of or later than the Current Date*. As for the Expired recurring bill payment record, the Last Recurring Payment Date should be the same or have passed the Current Date*.

    Example: With 01/12/2010 as Current Date for those recurring bill payment records without checkbox at Manage Future Recurring Payment

    Next Recurring Payment Date

    Last Recurring Payment Date

    Status

    13/12/2010

    13/12/2012

    Cancelled

    05/12/2010

    03/01/2011

    Cancelled

    01/11/2010

    01/11/2010

    Expired

    08/11/2010

    10/11/2010

    Expired

    01/12/2010

    01/01/2011

    Cancelled

    01/01/2011

    01/01/2011

    Cancelled

    01/12/2010

    01/12/2010

    Cancelled / Expired*

    * If it's before posting recurring time (i.e. 4pm), the Status will be Cancelled. Otherwise, the Status will be Terminated.

Financial Process Exchange (FPX) FAQs
  • Do I have to register before making payments with FPX?

    No registration is required. As long as you are an Internet Banking user of any FPX-participating bank, you may use FPX to make payments via online access to your bank account.

    What must I have before I can make payments with FPX?

    You'll need an Internet Banking account and payment information such as bill number, seller reference number and related information to enable merchants to identify the payment.

    Is there a "Future Payment" option?

    Currently, there is no future payment option available for FPX.

    I registered as a Sole Proprietor at Maybank2u.com. Am I eligible for this service?

    FPX service is only available for individual Internet Banking customers. It is not open to Sole Proprietors, Small Business customers and myzone registered users.

    What are the operating hours for FPX?

    FPX service is available from 7am to 11pm daily. However, the actual service depends on the Internet Banking service availability at the participating banks.

    How can I identify if a merchant accepts payment with FPX?

    There will be an FPX logo on the merchant's website and a link to connect you to FPX to make payments.

    Are there any charges when using this service?

    You may be charged a flat rate or a percentage of your total transaction amount.

    Can I pay more than one bill at a time?

    No. You may only pay one bill per login.

    Is there a limit to the number of transactions or amount I can make in a day?

    There is no limit to the number of transactions. However, the maximum amount per transaction is limited to RM5,000.

    What happens if I have insufficient funds in my account?

    Your transaction will be rejected.

    Are bill payments processed on the same day?

    Yes, they are.

    Where can I view my payment transactions?

    You may check your account balance and transaction history.

    Can I make payments to my credit cards via FPX?

    No, this service is currently not available.

    Should I disable my pop-up blocker?

    Yes. Please disable your pop-up blocker or any other browser functions which might prevent a pop-up.

    What reference should I use to identify my FPX transactions?

    Please refer to the FPX Transaction ID found in your FPX browser.

    Who do I call to enquire about my transaction status?

    Kindly call the bank you made the payment from to enquire about the status of your payment. Your bank will liaise with Maybank in case of any dispute.

    Will I get a full refund?

    No. You will not be refunded on commission charges.

LHDN Payment FAQs
  • What is LHDN Payment via Maybank2u?

    LHDN Payment via Maybank2u enables you to pay your income tax to Lembaga Hasil Dalam Negeri through Maybank2u.com.

    Payment can also be made at Kawanku ATMs, through Kawanku Phone Banking and over the counter at all Maybank branches.

    Who is eligible to use this service?

    The LHDN Payment via Maybank2u facility is open to Individual and Sole Proprietor Internet Banking account holders. You can make payment from your Personal Savings and Current Accounts.

    How to make a LHDN payment?

    After your income tax returns have been completed and sent off by mail or e-filing, you can make payment via Maybank2u.com, Kawanku ATMs and Kawanku Phone Banking.

    1. Payment via Maybank2u.com
      Here is a step-by-step guide to pay online:
      • Login to Maybank2u.com
      • Select Accounts & Banking, then select "Bill Payment"
      • Next select "Make an income tax payment"
      • Select the Corporation Name: LHDN Semenanjung, Sabah or Sarawak according to your tax centre location.
      • Enter your Income Tax file number excluding alphabets.
      • Select From Account to make payment and enter the following information:
        • Payment Code
        • Assessment Year
        • Instalment Number
        • Amount
        • Click "Next".
      • Finally, enter your TAC and select "Confirm" to make payment.
    2. Payment through Kawanku Phone Banking

    Is there a service charge or fee?

    This service is provided free of charge at the present time.

    Can I make third party income tax payments for friends and family?

    Yes, you can. You will need the 3rd party tax payer's income tax file number for payment. Information required as per list below.

    Information M2U ATM / CDM Phone Banking OTC
    Special Payment Slip      
    Address      
    Telephone No      
    Tax Reference No
    IC (New / Old) / Passport / Business Registration
    Payment Code
    Assessment Year
    Instalment No
    Tax Payer Name
    Tax Centre

    What are the prerequisites for online payment via Maybank2u?

    There are none. After submitting your tax returns, all you require is your Tax File number and amount to make payment. You can also make third party payment on behalf of friends and family from your account. All tax files except customers with file Type 'E' will be accepted at all Maybank channels.

    What is the maximum transaction limit?

    There is no transaction limit for payment via Maybank2u.com and over the counter at branches at the present time. However, the maximum transaction limit through ATM is RM999,999.99 per transaction, while for Phone Banking it remains at the current limit of RM100,000 per transaction.

    Which LHDN “Tax Centre” should I select?

    There are 3 LHDN tax centres. If the address in your tax file is in Peninsular Malaysia, you are required to select LHDN Semenanjung, similarly for Sabah and Sarawak.

    Which “Payment Code” should I select?

    Here is list for your reference. However, you are advised to contact LHDN to find out your payment code.

    Payment Code Tax Category
    084 Bayaran Ansuran Cukai - Individu
    086 Bayaran Ansuran Cukai - Syarikat
    088 Pendahuluan / Ansuran Cukai Komposit
    090 Bayaran Cukai Keuntungan Harta Tanah
    095 Bayaran Cukai Pendapatan (tidak termasuk skim ansuran)
    150 Bayaran Kenaikan Seksyen 103A / 103
    151 Bayaran Seksyen 108
    152 Bayaran Kenaikan Seksyen 108
    153 Bayaran Kenaikan Komposit
    154 Bayaran Kenaikan Seksyen 107C(9) / 107B(3)
    155 Bayaran Kenaikan Seksyen 107C(10) / 107B(4)
    156 Bayaran Kos Mahkamah
    157 Bayaran Faedah Atas Hutang Hukuman
    158 Bayaran Ansuran Dibenarkan oleh Audit
    159 Bayaran Ansuran Dibenarkan oleh Unit Pemungutan
    160 Bayaran Ansuran Dibenarkan oleh Unit Guaman Sivil
    173 Bayaran Kos Guaman
    178 Bayaran Seksyen 108 (Sek 25)
    181 Bayaran Kenaikan Seksyen 25
    196 Bayaran Penyelesaian Cukai
    197 Bayaran Penyelesaian Cukai - Majikan
    250 Bayaran Kenaikan CKHT

    I do not have an installment number. What should I put in this column?

    Please enter "0" (zero) if this does not apply to your payment.

    When will my payment be accepted by LHDN?

    Payment will be accepted by LHDN based on the transaction date.

    Are payments refundable?

    For enquiries about overpayment or refunds, please contact your LHDN tax centre.

    Can I pay after the due date?

    Yes, but late payment will be subject to LHDN regulations.

    What is the tax assessment period that can be paid via Maybank2u.com?

    Tax Assessment Year options are available from 1995 to present and one year in advance.

    Can I charge income tax payment to my Credit Card?

    No, you cannot. Payments can be made from your Personal Current Account and Savings Account only.

    Can I pay my business tax using my personal Current or Savings Account?

    Yes. You can make tax payments for sole proprietor, business and individuals from your personal current and savings accounts.

    Can I use my Maybank2u.com Small Business Account to pay tax?

    No, you will not be able to. Tax payment for small business and business can be paid from your Personal Current Account and Savings Accounts only.

Bahagian Pinjaman Perumahan Perbendaharaan Malaysia FAQs
  • What is this new service all about ?

    • Perbendaharaan Malaysia is providing an alternative electronic payment channel for government employees and ex-employees such as those from the Police and Armed Forces to repay loans taken from Bahagian Pinjaman Perumahan (BPP).
    • The repayments include monthly or full/half settlement, MRTA and fire insurance.
    • The online payment directly debits the savings / current account number of the payee.

    What are the requirements for payment via Maybank2u.com? Do I have to register first?

    These are the requirements to make BPP payment via M2U:

    • Register as a Maybank2u.com user
    • A Transaction Authorisation Code (TAC) is required
    • Payments can be made as an Open payment or Registered Payment.
    • The NRIC and Loan Account Number is mandatory for payment to be approved

    Is there a service charge or fee?

    • Maybank2u.com does not charge the user for using the Bill Payment facility
    • BPP is levying a RM0.50 charge for each transaction.

    Can I make third party payment, i.e. pay for a loan account which is not under my name?

    • Yes, third party payment is allowed.
    • The account holder's IC and Loan Account Number is required

    How do I make a payment to my BPP loan account?

    Follow these steps to make a payment:

    1. Log on to your M2U account
    2. Select "Make a one-off payment".
    3. Go to View all payees by category, and select "eGovernment".
    4. Under "eGovernment", choose the type of payment:
      • BPP - Ansuran/Tunggakan (Instalment / Overdue payment)
      • BPP - Wang Beza
      • BPP - Penyelesaian Penuh (Full payment)
      • BPP - Penyelesaian Sebahagian (Part payment)
      • BPP - Ins. Tambahan MRTA (MRTA)
      • BPP - Ins. Tambahan Api (Fire insurance)
    5. Enter the payment amount, BPP account number, I.C. number of holder
    6. Confirm your payment details and enter a TAC number
    7. If your payment is successful, a "Successful" message will be presented. This can be printed out for future reference.

    What is the maximum transaction limit?

    • BPP has not imposed any maximum transaction limit.
    • The amount paid however, is dependent on the funds available in the user's savings/current account.

    How will I know if my payment has been accepted?

    • After you click "confirm" on the payment confirmation page, a result page will appear with a payment status that states, "Successful".
    • Users can print out the statement as proof of payment.

    Are payments refundable if I accidentally over pay?

    • No refunds will be made for any excess amount paid, such as double payment or overpayment.
    • BPP will carry forward the excess payment to the following month(s).
    • Users are advised to contact BPP immediately if there's been overpayment.

    Can I still pay to the loan account after its due date? Is there a penalty?

    • You can still pay after the account due date.
    • On penalty charges, users are advised to contact BPP

    Can I make payments using my credit card accounts via Maybank2u?

    No, only direct debit from savings or current account is accepted.

eStanding Instruction FAQs
  • How can I make periodical funds transfers/payments if the amount fluctuates all the time?

    You are advised to use future funds transfer or future bill payment if the amount fluctuates all the time. However, if the amount is fixed or doesn't change frequently, eSI is more convenient for you.

    Can I create an eSI to make periodical funds transfers from Maybank to other financial institutions?

    Yes, you can place eSI for interbank funds transfers to participating financial institutions. The bank fees for eSI interbank funds transfers are RM2 for each eSI transaction, plus RM2 for interbank funds transfer (i.e. total RM4).

    What is the maximum amount for eSI funds transfer/payment?

    There is no limit for periodical funds transfers to own account(s) and payments to selected payee corporations. For periodical funds transfers to 3rd party account(s), the daily accumulated amount must not exceed RM3,000.

    What is the charge for this service?

    A commission of RM2 will be charged to the customer for each eSI funds transfer/payment effected. This charge will also be incurred if your account has insufficient funds on the effective date (except for loan payment).

    The bank fees for eSI interbank funds transfers are RM2 for each eSI transaction, plus RM2 for interbank funds transfer (i.e. total RM4).

    I cannot add/update an eSI 3rd party transfer. Why?

    Whenever you add/update an eSI 3rd party transfer, the amount will be accumulated daily. Once it reaches RM3,000, you won't be able to add/update your eSI on the same day.

    E.g. 1
    John has created and updated the eSI on the same day. His last application for a new eSI is unsuccessful as the gross amount is RM3,500.

    No. Service type/activity From account Amount Effective date Status
    1 3rd party transfer 514570109443 PCA RM1,200.00 10 June 2008 Successful
    2 Update no. 1 514570109443 PCA RM1,800.00 20 June 2008 Successful
    3 3rd party transfer 514570109443 PCA RM500.00 30 June 2008 Unsuccessful

    E.g. 2
    John has created the first two eSI on the same day. His third eSI is unsuccessful as the gross amount has reached RM3,000 (even though he made a deletion).

    No. Service type/activity From account Amount Effective date Status
    1 3rd party transfer 514570109443 PCA RM1,000.00 11 June 2008 Successful
    2 3rd party transfer 514235050063 i-Acct RM2,000.00 10 July 2008 Successful
    3 Delete no. 1 514570109443 PCA RM1,000.00 11 June 2008 Successful
    4 3rd party transfer 514235050063 i-Acct RM100.00 21 June 2008 Unsuccessful

    Can I cancel/change the details of my eStanding Instruction?

    Yes, you can change the amount, termination date, frequency of payment, and effective date by using the "Update" function. However, if you update the details between 6pm to 12 midnight, the changes will only be effective on the next day.

    Can I terminate my eSI immediately?

    Between 6am to 6pm, you can terminate your eSI immediately by deleting your eSI online or making your request to our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (if you are overseas). If you perform the deletion between 6pm to 12 midnight, it will only take effect the next day.

Integrated Maybank2u FAQs
  • What do I need in order to register for Integrated Maybank2u.com?

    You would need to have the following ready before you begin your online registration for Integrated Maybank2u.com:

    • Username and Password for Maybank2u.com Malaysia
    • Username and Password for Maybank2u.com Singapore
    • 2FA — SMS or Token
    • Transaction Authorisation Code (TAC)

    What is a Registration Code and how do I obtain it?

    The registration code is a system-generated code that consists of 8 alphanumeric characters (case sensitive). It is used to authenticate the one-time registration for Integrated Maybank2u.com.

    When you begin to register online for Integrated Maybank2u.com, your Registration Code will be automatically generated after you enter your username for Maybank2u.com Malaysia One-Time Password.

    Is there a life-span for the Registration Code?

    The registration code can only be used for 30 minutes after it has been created. If you proceed to login to Maybank2u.com (Malaysia) to perform the activation for Integrated Maybank2u.com after the 30-minute period, the registration code will no longer be valid.

    What is a Transaction Authorisation Code (TAC) and how do I obtain it?

    TAC is a security feature that has been implemented in Maybank2u.com (Malaysia) to provide a second layer of protection for online banking transactions, in addition to your login username and password.

    There are 3 ways to request a TAC:

    • Via Maybank2u.com Malaysia - Your TAC will be sent via SMS to your registered mobile phone. (Pre-registration of your mobile number must be done at a Kawanku ATM or through Kawanku Phone Banking)
    • Via Kawanku ATM - Your TAC will appear immediately on the screen and you can get a printout on the ATM slip
    • Via Kawanku Phone Banking - Your TAC will be sent via the integrated voice response (IVR) or fax, depending on your mode of request. (You must be registered as a Kawanku Phone Banking user if you wish to request for TAC by phone. To request, you can call our Customer Care hotline at 1-300-88-6688 if you are in Malaysia or 603-7844 3696 if you're outside Malaysia).

    Upon registration, how do I subsequently access Maybank2u.com (Malaysia) via Maybank2u.com.sg (Singapore)?

    Upon registration, you will see "Maybank2u@MY" in the left-hand tab when you login to Maybank2u.com.sg (Singapore). Simply click on the link, then select "Proceed to Maybank2u.com Malaysia".

    Upon registration, how do I subsequently access Maybank2u.com.sg (Singapore) via Maybank2u.com (Malaysia)?

    Upon registration, you will see "Maybank2u@SG" in the left-hand tab when you login to Maybank2u.com Malaysia. Simply click on the link, then select "Proceed to Maybank2u.com Singapore".

    How do I de-register the Integrated Maybank2u.com service?

    You can de-register the service either way:

    From Maybank2u.com (Malaysia)
    Once you login to Maybank2u.com (Malaysia), click on "Maybank2u@SG" in the left-hand tab. You will see "De-Register Common Login Service" on the main screen. Click on this option to de-register.

    From Maybank2u.com.sg (Singapore)
    Once you login to Maybank2u.com.sg (Singapore), click on "Maybank2u@MY" in the left-hand tab. You will see "De-Register Common Login Service" on the main screen. Click on this option to de-register.

    What will happen if I close my account in Malaysia or Singapore?

    If you decide to close your Online Banking account in Malaysia or Singapore, your Integrated Maybank2u.com service will be automatically deactivated.

    Can I apply for a Maybank Malaysia savings account via Maybank2u.com.sg (Singapore)?

    No, the service for opening a Maybank Malaysia savings account via Maybank2u.com.sg (Singapore) is currently not available.

    Can I apply for a Maybank Singapore savings account via Maybank2u.com (Malaysia)?

    No, the service for opening a Maybank Singapore savings account via Maybank2u.com (Malaysia) is currently not available.

    Can I apply for a Maybank2u.com.sg (Singapore) Internet Banking account via Maybank2u.com (Malaysia)? *

    Yes, provided you have a Maybank Singapore account:

    • Click on "Maybank2u@SG" in the left-hand tab
    • Under the One-Time Activation title, click on "Click here" to download the application form
    • You will need to print and complete the form and courier mail it to Maybank Singapore

    *The link will not be available if you have registered and activated your Integrated Maybank2u.com service

    Is it really secure and safe to use Integrated Maybank2u.com?

    Definitely yes. All information transmitted over the Internet is encrypted using the 128-bit Secure Sockets Layer (SSL) protocol from Verisign Certificate Authority to ensure data confidentiality and integrity. SSL is a secure way of transferring information between two computers on the Internet using encryption. Strong end-to-end encryption has also been adopted within the bank's computer networks and resources.

    After I login to Maybank2u.com (Malaysia), why do I experience the error message/code "Password Locked" when I click on "Maybank2u@SG", or vice-versa?

    Please call us at 1800-MAYBANK (1800-629 2265) and let us know the error/message code for further assistance.

Mobile Financial Services FAQs
  • Can I use this service when I am overseas?

    Yes, if your mobile phone has roaming service and the country you are in currently supports SMS.

    Note: Roaming service is not available for DiGi

    Can I register more than one mobile number for MFS?

    No, you can register only one mobile number for MFS.

    How do I activate MFS?

    To activate the service, you will need to:

    1. Key in the letter "A" followed by a space and a 6-digit numeric password of your choice.
    2. Send it to 32122 (for Maxis) or 33628 (for DiGi and Celcom) via SMS.

    You will receive an SMS informing you of the Maybank account all your MFS payments will be debited from. For Maxis postpaid subscribers, your Maxis bill will automatically be registered for MFS bill payment.

    Note: For security reasons, you must change your password before proceeding to use the service.

    If I have registered for Direct Debit with the mobile service provider, can I still register for MFS and pay via mobile phone?

    Yes, you can. Your registration for MFS does not affect your registration for Direct Debit. You may pay other bills through this channel.

    Note: Bill payment is available for Maxis subscribers only.

    Can I debit my Visa or MasterCard issued via Maybank to make a payment?

    At the moment, you are only allowed to pay from your savings or current account.

    Can I choose to debit either my savings or current account for payments?

    Yes, you will be able to select either one of your accounts.

    Can I change the account from which payments are made?

    If you'd like to do so, please call our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (if you are overseas) or login to your Maybank2u.com account.

    What happens if my balance is insufficient at the time of payment?

    You will receive a message informing you that your transaction is unsuccessful.

    If there is a dispute regarding payment of my Maxis bill via this service, whom do I refer to?

    In case of any dispute regarding payment, please call our Customer Care hotline at 1-300-88-6688 or 603-7844 3696 (if you are overseas). Investigations will be carried out and you will be informed as soon as possible.

    I need to refer to the payment functions on my mobile phone.

    Type and send to 32122 via SMS. The reply message will list all the functions for you.

    Maxis subscribers with EasyAccess may also select the function required from the phone menu.

    What is EasyAccess?

    EasyAccess is a menu-based service launched by Maxis for its customers with a 64K SIM card and above.

    How do I access Maybank M-Payment via EasyAccess?

    To perform M-Payment transactions, go to EasyAccess service on your mobile phone and select the "Maybank" option. You will need to call the Maxis Customer Service for the Maybank menu if you have not registered for Maybank Mobile Financial Services.

    Is M-Payment via EasyAccess the same as Maybank M-Payment via SMS?

    The service has the same functions as the existing Maybank Mobile Financial Services via SMS except that it does not have the Help, List Payee and List Registered Bills functions.

    How can I get the Maybank menu in my EasyAccess service?

    First, you'll need to have a 64K SIM card. Then call the Maxis Customer Service and request for the service.

    What are the call charges for using the Maybank M-Payment service via EasyAccess?

    Currently, you only pay the standard SMS charges until further notice.

    Who can I top-up to?

    If you are a prepaid user, you can top-up to your own phone. You can also top-up to 5 other prepaid mobile numbers. However, you must first register these 5 mobile numbers in the 'Favourite List' at Maybank2u.com. Postpaid users are also allowed to top-up to other prepaid mobile numbers.

    How do I register other mobile numbers for prepaid top-up in the 'Favourite List'?

    You may do so by logging in to Maybank2u.com.

    How do I top-up?

    Type of user

    Steps to top up your own mobile

    Steps to top up other person's mobile

    Maxis SMS text users

     

    1. Type <TUP> space <password> space <amount> space <account type>.
    2. Send to 32122.
    1. Type <TUP> space <password> space <amount> space <account type> space <mobile no> or <nickname>.
    2. Send to 32122.

    Maxis EasyAccess menu users

    1. Go to 'EasyAccess'.
    2. Select 'Maybank'.
    3. Select 'Top Up'.
    4. Select the 'Amount' you want to top up.
    5. Select the 'Account Type' to pay from.
    6. Select 'Self'.
    7. Enter your MFS password.
    8. Select 'Send'.
    1. Go to 'EasyAccess'.
    2. Select 'Maybank'.
    3. Select 'Top Up'.
    4. Select the 'Amount' you want to top up.
    5. Select the 'Account Type' to pay from.
    6. Select 'Others'.
    7. Enter the mobile number or nickname.
    8. Enter your MFS password
    9. Select 'Send'.

    Celcom SMS text users

     

    To top up Airtime:

    1. Type <TUP> space <password> space <amount> space <account type> A.
    2. Send to 33628.

    To top up Network:

    1. Type <TUP> space <password> space <amount> space <account type> N.
    2. Send to 33628.

    To top up Airtime:

    1. Type <TUP> space <password> space <amount> space <account type> space <mobile no> or <nickname> A.
    2. Send to 33628.

    To top up Network:

    1. Type <TUP> space <password> space <amount> space <account type> space <mobile no> or <nickname> N.
    2. Send to 33628.

    DiGi SMS text users

    1. Type <TUP> space <password> space <amount> space <account type>.
    2. Send to 33628

    To top up Airtime:

    1. Type <TUP> space <password> space <amount> space <account type> space <mobile no> or <nickname>.
    2. Send to 33628.

    Money from my bank account is debited but my prepaid credit is not reloaded. What should I do?

    Call our Customer Care hotline at 1-300-88-6688. Lodge a request for a refund. After investigation, your account will be credited within 5 working days (for Maxis subscribers) or 3 working days (for DiGi and Celcom subscribers).

    How do I deregister from MFS?

    Please contact our Customer Care hotline at 1-300-88-6688.

    Do I need to re-register my mobile number if I changed my mobile phone service provider, but retained my mobile phone number?

    No, there is no need to re-register as you have retained your mobile phone number.

Maybank2u Mobile FAQs
  • What is M2U Mobile?

    It is the mobile version of Maybank2u.com that is accessible using the web-browser on your mobile phone. Our M2U screens have been optimised to fit within the screen of your mobile phone.

    Do I need to register for M2U Mobile?

    No, there is no need to register for this service. However, you must be an existing Maybank2u.com internet banking customer to use this service. You can login using your existing Maybank2u.com username and password to gain access from your mobile phone.

    How do I apply for Internet Banking Services if I do not have access to Maybank2u.com?

    If you do not have access to Internet Banking, you have to first sign up for Maybank2u.com via your Home Branch or ATMs.

    Do I need to download and install any software to use this service?

    No. You do not need to download or install any software to use M2U Mobile.

    How do I access M2U Mobile?

    To access M2U Mobile, follow these steps: 

    1. Launch the Mobile Browser on your mobile phone
    2. Type in this URL : http://mobile.maybank2u.com.my
    3. Login using your existing Maybank2u.com username & password

    What if I fail to access M2U Mobile?

    If your attempt to sign-on fails even after 3 tries, your User ID will be blocked. Please contact our Maybank Group Call Centre (MGCC) at 1-300 88 6688 (local) or 603-7844 3696 (overseas) any time, any day to unblock your ID upon verification. Alternatively, you can also email us at mgcc@maybank.com.my

    Are there any charges to use M2U Mobile?

    No. There is no access or annual fee levied. However, there are charges levied for selective bill payments, Interbank fund transfers as well as other connectivity charges imposed by your mobile service provider.

    What are the minimum mobile phone device requirements to use M2U Mobile?

    Minimum requirements to use M2U Mobile include:

    • Built-in web browsing capability on your mobile phone
    • Data connection. This can be either via WAP, GPRS, EDGE or 3G-connection. Please contact your mobile service provider to activate your data connection.

    What kind of mobile phones can support M2U Mobile?

    All mobile devices with browser capabilities can access M2U Mobile.

    How do I locate the browser on my mobile phone?

    To locate the browser on your phone, look for these icons:

    What are the services available in M2U Mobile?

    List of services on M2U Mobile include:

    • Account Summary 
      • Balance Inquiry (Savings, Current, Credit/Debit Card) 
      • M2U History, Recent Transaction, Today's Transactions)
      • Transaction History (Deposit, Credit/Debit Card)
    • Funds Transfer 
      • To Own Accounts 
      • To Registered 3rd Party Accounts 
      • To Registered Interbank GIRO
    • Payments 
      • Registered Bill Payment 
      • Card Payment (Own) 
      • Card Payment (Registered 3rd Party Accounts)
    • View Rates 
      • View Forex & Deposit Rates

    How do I register my "Favourite" accounts and bills?

    New "Favourite" accounts and bill payment account registration can only be performed via Maybank2u.com access using your PC or notebook. This is because the registration of accounts & bills requires a TAC and TAC requests are not available when performing registrations via your mobile phone.

    What is the M2U Mobile banking session expiry limit?

    As a security measure, the M2U Mobile banking session will be automatically terminated if you leave it idle for more than 5 minutes.

    How will I be charged for network access time?

    When you access the 3G/GPRS network, you will be charged by your telco for retrieving data (bytes). Charges depend on the amount of information/ data requested and sent, not on the length of time / duration of your access to M2U Mobile.

    What are the security certificates required for access to M2U Mobile?

    A minimum certification of Verisign Class 3 is required. These certificates have a validity period. Therefore, if the certificate has expired, you will need to get an update from your phone manufacturer. The time and date settings on your phone must also be correct for access to M2U Mobile.

    Can I access M2U Mobile while overseas?

    Yes, provided your mobile phone has had its roaming service activated.

    What if I change my mobile number?

    You can still access M2U Mobile, as your login is based on your Maybank2u.com username and password.

    What security precautions should I take when using M2U Mobile?

    You are advised to clear your phone browser cache on a regular basis.

    Can I obtain the receipt for a transaction done via M2U mobile?

    Yes, customers can obtain the receipt by accessing maybank2u.com full website using a desktop PC or laptop.

    Steps:

    1. Login to maybank2u.com
    2. Select Account and Banking
    3. Select Account Summary
    4. Select Account
    5. Select M2U History
    6. Select Reprint - Receipt
SMS & Downloads FAQs
  • Do I need a mobile phone to use SMS & Downloads?
    Any Maybank2u registered customer – with or without a mobile phone – can purchase the credit top-up for SMS and mobile content and send it to family and friends.

    Can I use this service to reload my mobile prepaid credit?
    You will not be able to do this. Please select "Online Prepaid" to reload your mobile phone as there is no refund.

    How do I send an SMS or download mobile content?
    After login, please refer to the "Help" button at SMS & Downloads.

    Can I send SMSes to mobile phones registered with service providers overseas?
    Yes. This service supports both local and overseas mobile operators in over 115 countries. At only 15 sen per SMS, it is one of the cheapest rates available.

    Who should I call if I have any problems sending SMSes or downloading content?

    • Call the service provider at 03-2164 3273, 24 hours a day (including public holidays). Please provide your 7-digit Customer Reference Number located at the top of the transaction screen whenever you make any enquiry.
    • You may also select the "Contact Us" link on screen and send an e-mail.

    Is this service the same as "Prepaid2U" and "Online Prepaid"?
    "Prepaid2U" and "Online Prepaid" allows you to reload your credit for prepaid mobile services like Celcom, DiGi and Maxis Hotlink. SMS & Downloads is for sending SMSes and downloading mobile content via Maybank2u.com.

Image Return Document FAQs
  • What is an Image Return Document (IRD)?

    • An IRD serves as a notice of dishonour and the reason for its return.
    • Selected six (6) returned reasons as follows :
      1. Refer to Drawer
      2. Exceeded Arrangement/Amount Limit Exceeded
      3. Effects Not Cleared
      4. Not Arranged For
      5. Other Reason (For Insufficient Funds)
      6. Post Dated
    • It is a legally recognised document replacing the original physical cheque.
    • It can be re-presented to the bank.
    • It is more secure as alterations are not allowed.

    A sample of an IRD as per Appendix I.

    Why is an IRD advice issued instead of returning the original physical cheque?
    The IRD is introduced as eSPICK removes the physical cheque from the clearing process.

    What information is contained in an IRD?

    An IRD provides the following information :

    • the reason for its return
    • that it can be re-presented
    • the validity period for its re-presentment
    • the number of times the cheque had been re-presented

    What should I do if I receive an IRD?

    • You should detach the bottom half of the notice and present the IRD for clearing.
    • If you request for a replacement cheque from the issuer, you should return the IRD to the issuer.
    • The issuer should place a “payment stop” instruction on the original cheque.

    How should I present an IRD?

    • An IRD issued by Maybank can only be presented over the counter at any Maybank branch and into the same account the cheque was originally deposited.
    • An IRD deposited into the Cheque Drop-in Box will be processed on the next working day.
    • An IRD cannot be deposited into the Cheque Deposit Machine as the machine will not process the transaction and will reject it.

    Can I present an IRD to a Bank for cash payment over the counter?
    An IRD can only be presented for clearing and not for encashment.

    Are there charges for an IRD?
    No, there are no additional charges as the IRD is a replacement of the returned cheque.

    Can I request for the original cheque?

    • Yes. However, a service fee may be levied for retrieval, postage, etc.
    • The IRD must be surrendered to the bank in exchange for the original physical cheque and on condition the original cheque is available.

    If an IRD cannot be presented, what must I do?
    The IRD should be returned to the issuer in exchange for a new cheque.

    Can I re-present an IRD if it is crumpled or stained?
    Yes, as long as the IRD is not altered or mutilated or torn.

    Can I present an altered / mutilated / torn IRD?
    No. You should ask the issuer for a new cheque and the issuer should instruct the bank to place a payment stopped on the “cheque”.

    For an IRD that is presented and is dishonoured, can the same IRD be used?

    • No, a new IRD will be generated for each return of the same cheque.
    • For each reissued IRD, the number of times the IRD is issued is indicated under the column “No. of Presentment”.

    Can I deposit the IRD into another Bank or Branch or Account?

    • No, you cannot deposit the IRD into another Bank or another Account.
    • The IRD can only be presented at the Bank where it was first deposited or any of its branches but only into the same account.

    How many times can I present an IRD?

    One (1) time. An IRD can be re-presented.

    What is the validity period of an IRD?

    Six (6) months from the date of the original cheque.

Careers FAQs
myCareer FAQs
  • What is myCareer @ Maybank e-Recruitment?

    Maybanks myCareer e-Recruitment is an online resource tool created to enable potential candidates to register and apply for career opportunities in the Maybank Group or maintain their CVs in the Talent Pool using our online e-Recruiting system.

    Who can use myCareer @ Maybank e-Recruitment?

    In principle, any interested/potential candidate/applicant can register/apply for jobs relevant to the Maybank Groups business activities.

    Which jobs will be posted in myCareer @ Maybank e-Recruitment?

    In general, all vacancies will be posted on the Maybank e-Recruitment webpage.