More Information

Interbank Giro

When will the money reach the recipient's account?

Payment Initiated by Customers*Funds Received by Beneficiaries  
Business Days (Mon-Fri) Before 5:00 am Same business day By 11:00 am
5:00 am to 8:00 am By 2:00 pm
8:01 am to 11:00 am By 5:00 pm
11:01 am to 2:00 pm By 8:20 pm
2:01 pm to 5:00 pm By 11:00 pm
After 5:00pm Next business day By 11:00 am
Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11:00 am

Note: For unsuccessful Interbank GIRO transaction that was performed on the same day by 5:00 pm,
The customer will receive the fund on the next business day by 11:00 am, under normal circumstances.

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 business accounts is allowed. Transfers to payee corporations account under Maybank is not allowed.

Can I use Interbank GIRO 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 Interbank GIRO service 24 hours a day?

The Interbank GIRO service is available 7 days a week, from 4:30am 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 RM20,000 to transfer?

If you want to transfer more than RM30,000, 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 RM0.11 (Service fee RM0.10 + GST RM0.01) 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.

How can I inform the recipient that I have transferred money to his account?

If the recipient has an e-mail address, you can send automatic an e-mail notification when you do the transfer. (This function cannot be used for "Future Transfers".) Otherwise, it is advisable to call or fax the recipient.