Description of selected payment services No

Payment services

Description

1

Intrabank funds transfer

2

IBG

A payment system that provides funds transfer services to accounts within the same financial institution. A payment system, which is operated by MyClear, that provides funds transfer services amongst its participating financial institutions.

3

Instant Transfer

4

FPX

5

Interbank Direct Debit

6

RENTAS

7

Debit card

8

Cheque

A payment system, which is operated by MEPS, that provides immediate funds transfer services amongst its participating financial institutions. An internet-based multi-bank payment platform that leverages on the Internet banking services of banking institutions to offer online payment for electronic commerce (e-commerce) transactions. Similarly, companies can easily extend their businesses online by offering a quick and safe payment method to their customers. An interbank collection service for regular and recurring payments enabling automated collection directly from a customer’s bank account at multiple banks with a single authorisation. Interbank funds transfer made via RENTAS, with a minumum amount of RM10,000 A payment instrument that is linked to a deposit account at a financial institution that can be used: (i) to pay for goods and services; (ii) to withdraw cash from automated teller machine or withdraw cash at participating retail outlets through debit card usage by debiting the user's account; or (iii) for the purpose of (i) and (ii). A paper based payment instrument. It is a form of written order directing a bank to pay money to the beneficiary.

Amount on the fee and charges shown below are inclusive of GST (1) Individuals Intrabank Funds Transfer No

Items

(1) Fees and Charges (RM per transaction)

Channels Internet banking

Mobile banking

ATM

Over-the-counter (OTC)

No charges

No charges

No charges

RM5.30

Up to RM30,000 shared limit with IBG

No limit

No limit

(2) Daily transaction limit (RM per day) (3) Payment reference (i)

Availability of payers' names and payment references in beneficiaries' bank statement

Yes

Yes

Yes

Yes

(ii)

Availability of beneficiaries' names and payment references in payers' bank statement

Yes

Yes

Yes

Yes

04.00 am -11.59pm

Banking Hours

12.30 am - 11.59 pm

(4) Operating hours

All Channels

(5) Crediting time (i) (ii)

Immediate Immediate

Monday - Friday Non-business days

Not Applicable

(6) Refund time Interbank GIRO (IBG)

Channels No

Items

(1) Fees and Charges (RM per transaction) (2) Daily transaction limit (RM per day)

Internet banking

Mobile banking

ATM

Over-the-counter 1 (OTC)

RM0.11

RM0.11

0.11

2.10

Up to RM30,000 shared limit with Intrabank Fund Transfer

RM100K per transaction

RM30,000 daily limit for interbank GIRO (IBG) funds transfer (exclude Intrabank & IBFT transfer limit)

(3) Payment reference (i)

Availability of payers' names and payment references in beneficiaries' bank statement

Yes

Yes

Yes

Yes

(ii)

Availability of beneficiaries' names and payment references in payers' bank statement

Yes

Yes

Yes

Yes

Yes

No

No

No

04.00 am -11.59pm

Banking hours

(4) Future-dated payments

12.30 am - 11.59 pm

(5) Operating hours

(6) Crediting and Refund Time for IBG transactions made at Internet Banking / Mobile Banking / OTC Payment Initiated by customers

* Funds Received by Beneficiaries By 11.00 am

By 5.00 pm

By 2.00 pm

By 8.20 pm

By 5.00 pm

By 11.00 pm

11.01 am to 2.00 pm

By 8.20 pm

2.01 pm to 5.00 pm

By 11.00 pm

By 11.00 am, next business day

Next business day

By 11.00 am

By 5.00 pm

Next business day

By 11.00 am

By 5.00 pm

Before 5.00am Business Days (Mon - Fri)

*Refund for Unsuccessful Transactions

5.01am - 8.00 am 8.01 am to 11.00 am

After 5.00 pm Non-business days (Saturday, Sunday and Federal Territory Public Holidays)

Same business day

Crediting and Refund Time for IBG transactions made at ATM Payment Initiated by customers

* Funds Received by Beneficiaries By 11.00 am

By 5.00 pm

By 2.00 pm

By 8.20 pm

By 5.00 pm

By 11.00 pm

10.01 am to 1.00 pm

By 8.20 pm

1.01 pm to 4.30 pm

By 11.00 pm

By 11.00 am, next business day

Next business day

By 11.00 am

By 5.00 pm

Next business day

By 11.00 am

By 5.00 pm

Before 4.00am Business Days (Mon - Fri)

*Refund for Unsuccessful Transactions

4.01am - 7.00 am 7.01 am to 10.00 am

After 4.30 pm Non-business days (Saturday, Sunday and Federal Territory Public Holidays) * Under normal circumstances 1 FOC for senior citizens and the disabled persons

Same business day

Instant Transfer No

Items

Channels Internet banking

Mobile banking

ATM

RM0.53

Not Available

RM 0.53

RM30,000 daily limit for IBFT transfer (exclude Intrabank & IBG limit)

Not Available

Up to RM 30,000

(1) Fees and Charges (RM per transaction)

(2) Daily transaction limit (RM per day)

(3) Payment reference (i)

Availability of payers' names and payment references in beneficiaries' bank statement

Yes

Not Available

Yes

(ii)

Availability of beneficiaries' names and payment references in payers' bank statement

No

Not Available

Yes

6.00 am - 11.59 pm

Not Available

04.00 am -11.59pm

(4) Operating hours (5) Crediting time (i) (ii) (6) Refund time

Immediate Immediate

Monday - Friday Non-business days

Immediate Immediate

Not Available Not Available Not Applicable

RENTAS No

Items

Channels Internet banking

Mobile banking

(1) Fees and Charges (RM per transaction)

RM5.30

(2) Payment reference Availability of payers' names and payment (i) references in beneficiaries' bank statement (ii)

Yes Will be available by Dec 2015

Availability of beneficiaries' names and payment references in payers' bank statement

(3) Operating hours

Over-the-counter (OTC)

Not available

Not available

Banking Hours

(4) Crediting time (i)

Monday - Friday

(ii)

Non-business days

Autocredit: realtime Others: 30 minutes from time of receipt Not available

(5) Refund time

Same day

Financial Process Exchange (FPX) and Interbank Direct Debit Items

No

FPX No charges for individuals

(1) Fees and Charges (RM per transaction)

1. Cybernote Sdn Bhd 2. Gambunny Global Sdn Bhd 3. Health Builders Sdn Bhd 4. HR Marketing Sdn Bhd 5. Gocell International Sdn Bhd 6. Ifast Capital Sdn Bhd 7. IME (M) Sdn Bhd 8. Interbase Resources Sdn Bhd 9. Kelab Golf Negara Subang 10. Kube Ventures 11. Majlis Perbandaran Seremban 12. MM Network Sdn Bhd 13. Mobile Wallet Sdn Bhd 14. OSK Investment Bank Berhad 15. Sara W orldwide Vacations Berhad 16. Seksyen Keselamatan Sinarn BH / KKM 17. TCCL Sdn Bhd 18. Trumer Nutrition Sdn Bhd 19. Tune Talk Sdn Bhd 20. Vision Multimedia Sdn Bhd 21. Escape Life Sdn Bhd 22. Jabatan Kastam Diraja Malaysia

(2) Merchants

Other related fees/charges for online banking (internet and mobile banking) Items

No 1

2

RM

Other related charges (i)

Maintenance / subscription fee

(ii)

Security tokens

(iii)

Annual digital certificates

(iv)

Salary payment / payroll

(v)

Notification / SMS

(vi)

Training

Incentives and packages

Interbank Direct Debit

Not applicable

Not applicable

Not available

(2) Businesses Intrabank Funds Transfer

No

Channels

Items

(1) Fees and Charges (RM per transaction) Sole-proprietors, partnership and SME Other corporates

1

Internet banking (RHB Reflex)

Over-the-counter (OTC)

FOC to RM0.11 FOC to RM0.85

RM5.30

No Limit No Limit

No Limit

Yes

Yes

Yes

Yes

7am to 11pm

Banking Hours

ATM

Mobile banking

Not Available

Not Available

ATM

Mobile banking

Not Available

Not Avaiable

(2) Daily transaction limit (RM per day) Sole-proprietors, partnership and SME 1 Other corporates (3) Payment reference (i) (ii)

Availability references Availability references

of payers' names and payment in beneficiaries' bank statement of beneficiaries' names and payment in payers' bank statement

(4) Operating hours (5) Crediting time (i) (ii)

Monday - Friday Non-business days

Hourly

(6) Refund time

Hourly

Immediate Not applicable

1 For 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.

Interbank GIRO (IBG)

No

Channels

Items

Internet banking (RHB Reflex)

(1) Fees and Charges (RM per transaction) Sole-proprietors, partnership and SME 1

RM0.11 to RM0.53

Other corporates

RM0.11 to RM1.06

Over-the-counter (OTC)

RM2.12

(2) Daily transaction limit (RM per day) Sole-proprietors, partnership and SME 1

Unlimited

RM100K per transaction

Other corporates

Unlimited

RM100K per transaction

(i)

Availability of payers' names and payment references in beneficiaries' bank statement

Yes

Yes

(ii)

Availability of beneficiaries' names and payment references in payers' bank statement

Yes

Yes

Yes

No

7am to 11pm

Banking hours

(3) Payment reference

(4) Future-dated payments (5) Operating hours

Crediting and Refund Time for IBG transaction made at Internet Banking and OTC

(6) Payment Initiated by customers

Business Days (Mon - Fri)

* Funds Received by Beneficiaries

*Refund for Unsuccessful Transactions

Before 5.00am

By 11.00 am

By 5.00 pm

5.01am - 8.00 am

By 2.00 pm

By 8.20 pm

By 5.00 pm

By 11.00 pm

By 8.20 pm By 11.00 pm

By 11.00 am , next business day

Next business day

By 11.00 am

By 5.00 pm

Next business day

By 11.00 am

By 5.00 pm

8.01 am to 11.00 am

Same business day

11.01 am to 2.00 pm 2.01 pm to 5.00 pm After 5.00 pm

Non-business days (Saturday, Sunday and Federal Territory Public Holidays) * Under normal circumstances

1 For 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

Instant Transfer Channels No

Items

Internet banking (RHB Reflex)

Mobile banking

(1) Fees and Charges (RM per transaction) Sole-proprietors, partnership and SME 1 Other corporates (2) Daily transaction limit (RM per day)

Sole-proprietors, partnership and SME 1 Other corporates

(3) Payment reference (i)

Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement

(ii)

Availability of beneficiaries' names and payment references in payers' bank statement

Not Available

(4) Operating hours (5) Crediting time (i) (ii) (6) Refund time

Monday - Friday Non-business days

1 For 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

ATM

RENTAS Channels No

Items

Internet banking (RHB Reflex)

Over-the-counter (OTC)

RM2.12 - RM4.24

RM5.30

Yes

Yes

Will be available by Dec 2015

Will be available by Dec 2015

7am to 11pm

Banking hours

Mobile Banking

(1) Fees and Charges (RM per transaction) Sole-proprietors, partnership and SME 1 Other corporates (2) Payment reference Availability (i) references Availability (ii) references

of payers' names and payment in beneficiaries' bank statement of beneficiaries' names and payment in payers' bank statement

(3) Operating hours

Not Available (4) Crediting time (i)

Monday - Friday

(ii)

Non-business days

(5) Refund time

30 minutes from time of receipt

30 minutes from time of receipt

Not applicable

Not applicable

Same day

Same day

1 For 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

Financial Process Exchange (FPX) and Interbank Direct Debit

No

Items

FPX

Interbank Direct Debit

(1) Fees and Charges (RM per transaction) Sole-proprietors, partnership and SME 1

No charges. Charges applicable for merchants only

Other corporates (2) Merchants

1. Jabatan Kastam Diraja Malaysia 2. Pertubuhan Keselamatan Sosial (PERKESO)

1. Agensi Kaunseling dan Pengurusan Kredit 2. HR Marketing Sdn Bhd 3. Jabatan Kastam Diraja Malaysia 4. Koa Office Solutions Sdn Bhd 5. Kumpulan Wang Simpanan Pekerja 6. Malaysian Medical Relief Society 7. MBF Cards (Malaysia) Sdn Bhd 8. Muslim Youth Movement of Malaysia 9. Rakan Jaya Enterprise 10. RHB Investment Bank Bhd 11. RHB Investment Management Sdn Bhd 12. Seksyen Keselamatan Sinaran Bahg Perkhidmatan Kejuteraan 13. Sogo (KL) Department Store Sdn Bhd 14. Sportathlon (Malaysia) Sdn Bhd 15. Tan Toh Jin Realty Sdn Bhd 16. Tokio Marine Life Insurance Malaysia Bhd 17. Woongjin Coway Sdn Bhd

1 For 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

Other related fees/charges for online banking (internet and mobile banking)

Items

No

Sole-proprietors, partnership and SME 1

Other corporates

1 Other related charges (i)

Maintenance / subscription fee

(ii)

Security tokens

(iii)

FOC

RM31.80

First 2 Tokens- FOC, Subsequent-RM53.00 per token

First 2 Tokens - FOC, Subsequent RM53.00 per token

Annual digital certificates

Not applicable

Not applicable

(iv)

Salary payment / payroll

FOC to RM2.12 (Payroll via RENTAS)

FOC to RM2.12 (Payroll via RENTAS)

(v)

Notification / SMS

FOC

FOC

(vi)

Training

RM159 (On-site@Clients's Office), FOC (RHB Premises)

RM159 (On-site@Clients's Office), FOC (RHB Premises)

SME Package

Standard Package

2 Incentives and packages

Debit Card (1) Individuals No

(1)

(2)

1

Items

Daily point-of-sale transaction limit (RM per day)

Incentives

Standalone domestic debit card

RM3,000 RM200 (Age above 12