Frequently Asked Questions
Fund Transfers
Frequently Asked Questions
What is the cut off time to make a GIRO transfer?
The Interbank GIRO service is available 7 days a week, from 4:30am to 12:00am (midnight).
Please refer to this table for more info on when the receivers will get the transferred funds.
| 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.