Interbank GIRO (IBG)
| Items |
Channels |
e-AmBiz /
AmAccess Corporate |
| Fees and Charges (RM per transaction) |
| Partnerships and SME1 |
Fee waived
(until 31 March 2025) |
| Other Corporates |
| Daily Transaction Limit (RM per day) |
| Partnerships and SME1 |
RM1 million |
| Other Corporates |
| Payment Reference |
| (i) Availability of payers' names and payment references in beneficiaries' bank statement |
Yes |
| (ii) Availability of beneficiaries' names and payment references in payers' bank statement |
Yes |
| Future-dated Payments |
Yes |
| Operating Hours |
Inquiry | 24x7
Transaction | 7:30am - 5:00pm |
| Crediting Time |
| Payment Initiated by Customers |
Funds Received by Beneficiaries |
Business Days
(Mon-Fri) |
Before 5:00am |
Same business day |
By 11:00am |
| 5:01am to 8:00am |
By 2:00pm |
| 8:01am to 11:00am |
By 5:00pm |
| 11:01am to 2:00pm |
By 8.00pm |
| 2:01pm to 5:00pm |
By 11:00pm |
| After 5:00pm |
Next business day |
By 11:00am |
| Future Dated Payments / Recurring Transactions |
On effective date |
By 11:00am |
Non-Business Days
(Saturday, Sunday and Federal Territory Public Holidays) |
Next business day |
By 11:00am |
| Refund Time |
Next day |
Note:
1For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers.
2Abbreviation for Free of Charge.
3Any future dated/recurring transactions will be processed in Window 1 on the effective date.
4The Payee/Beneficiary ID provided by the Payer in IBG transaction is for the Beneficiary Bank validation purposes only.