Escrow Current Account (Non-Borrowing) & Escrow Current Account-i (Non- Financing) for SME Segment

Fees and ChargesAmount
Agent CommissionUp to 0.2% of contract value, minimum RM10,000
Handling Commission​Up to 0.15% flat per transaction amount, minimum RM50

Cash Management Solutions for SME Segment

Fees and ChargesAmount
Application Programming Interface setupUp to RM5,000 (one-time fee)
Manage File Transfer setup ​Up to RM5,000 (one-time fee)
Fees and ChargesAmount
a) VA creationUp to RM1 per account
b) VA Maintenance
  1. Monthly maintenance (fixed fee);
  2. Half-yearly maintenance; or
  3. Yearly maintenance.
Up to RM50 per month
Up to RM1 per account
Up to RM2 per account

E-Payment for Businesses

Internal Funds Transfer (IFT)

ItemsChannels
e-AmBizAmAccess Corporate
Fees and Charges
Partnerships and SME1FOC2FOC2
Other Corporates
Transaction Limit
Partnerships and SME1No LimitNo Limit
Other Corporates
Payment Reference
(i) Availability of payers' names and payment references in beneficiaries' bank statementYesYes
(ii) Availability of beneficiaries' names and payment references in payers' bank statementYesYes
Cut-off Time35:00pm9:30pm
Crediting Time
(i) Monday - FridayImmediate
(ii) Non-Business daysImmediate
Refund TimeImmediate

 

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.

3Transactions made after the cut-off time will be processed on the next day

Interbank GIRO (IBG)

Items

Channels

e-AmBiz / AmAccess Corporate

Fees and Charges
Partnerships and SME1Fee waived
(until 31 March 2026)
Other Corporates
Transaction Limit
Partnerships and SME1RM1 million per transaction
Other Corporates
Payment Reference
(i) Availability of payers' names and payment references in beneficiaries' bank statementYes
(ii) Availability of beneficiaries' names and payment references in payers' bank statementYes
Future-dated PaymentsYes
Cut-off Time25:00pm
Crediting Time
Payment Initiated by CustomersFunds Received by Beneficiaries
Business Days
(Mon-Fri)		Before 5:00am 
Same business day		By 11:00am
5:01am to 8:00amBy 2:00pm
8:01am to 11:00amBy 5:00pm
11:01am to 2:00pmBy 8.00pm
2:01pm to 5:00pmBy 11:00pm
After 5:00pmNext business dayBy 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 dayBy 11:00am
Refund Time
Payment Initiated by CustomersRefunds Received
Business Days
(Mon-Fri)		Before 5:00am 
Same business day		By 5:00pm
5:01am to 8:00amBy 8:20pm
8:01am to 11:00amBy 11:00pm
11:01am to 2:00pm 
Next business day		By 11.00pm
2:01pm to 5:00pmBy 11:00pm
After 5:00pmBy 5:00pm
Non-Business Days
(Saturday, Sunday and Federal Territory Public Holidays)		By 11:00am

 

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.

2Transactions made after the cut-off time will be processed on the next business day.

RENTAS

ItemsChannels
e-AmBiz / AmAccess Corporate
Fees and Charges (RM per transaction)
Partnerships and SME1RM2
Other Corporates
Payment Reference
(i) Availability of payers' names and payment references in beneficiaries' bank statementYes
(ii) Availability of beneficiaries' names and payment references in payers' bank statementYes
Cut-off Time23:00pm
Crediting Time
(i) Monday - FridaySame business day
(ii) Non-business daysNext business day
Refund TimeNext business 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.

2Transactions made after the cut-off time will be processed on the next business day.

For comparison of e-payment services and fees, please refer to the comparative tables in Bank Negara Malaysia (BNM), The Association of Banks in Malaysia (ABM), and The Association of Islamic Banking Institutions Malaysia (AIBIM).

SWIFT

ItemsChannels
e-AmBiz / AmAccess Corporate
Cable Charges
Partnerships and SME1Fee waived
(valid until 31 March 2026)
Other Corporates
Cut-off Time23:00pm

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.

2Transactions made after the cut-off time will be processed on the next business day.

DuitNow Transfer

ItemsChannels
e-AmBizAmAccess Corporate
Fees and Charges
Partnerships and SME1N/A2Fee Waived
(until 31 March 2026)
Other Corporates
Transaction Limit
Partnerships and SME1N/A2RM10 million per transaction
Other Corporates
Payment Reference
(i) Availability of payers' names and payment references in beneficiaries' bank statementN/A2Yes
(ii) Availability of beneficiaries' names and payment references in payers' bank statementN/A2Yes
Cut-off Time3N/A211:30pm
Crediting Time
(i) Monday - FridayN/A2Immediate
(ii) Non-Business daysN/A2Immediate
Refund TimeN/A2Immediate

 

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 Non-Applicable

3Transactions made after the cut-off time will be processed on the next day.

JomPAY

ItemsChannels
e-AmBiz / AmAccess Corporate
Fees and Charges
Partnerships and SME1FOC2
Other Corporates
Transaction Limit
Partnerships and SME1RM1 million per transaction
Other Corporates
Cut-off Time35:00pm
Crediting Time
(i) Monday - FridayRefer to Crediting Time and Refund Time under IBG
(ii) Non-Business days
Refund Time

 

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.

3Transactions made after the cut-off time will be processed on the next business day.

Other Related Charges

ItemsOther Related ChargesIncentives and Packages
Maintenance / Subscription FeeSecurity TokensAnnual Digital CertificatesSalary Payment / PayrollNotificationTraining
Fees and Charges
Partnership and SME1FOC2Free first three (3) tokens2
(Any additional token will be charged RM80 per unit)		N/A3RM0.10 per IBG transaction
FOC2 for IFT		FOC2FOC2
  • Waived Monthly Subscription Fee
  • Free first three (3) token
Other CorporatesRefer to your AmBank Sales Representative

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

3Abbreviation for Non-Applicable

cta background

You're leaving AmBank Group

Please note that AmBank Group's privacy policy does not apply to linked websites. We do not endorse their content and cannot be held responsible for any losses incurred from accessing or transacting on them.
Accept