A. Interbank GIRO (IBG) Offering Channel, Transaction Fee, Transaction Limit and Cut Off Time Items Channels Internet Banking Fees and Charges (RM per transaction) Refer to Tariff and Charges table Daily transaction limit (RM per day) 1,000,000.00 per transaction No daily limit Future-dated payments YES Payment will be processed and sent to beneficiary’s bank for crediting by 11.00 am on the future date selected. Cut off time 5.00pm B. Interbank GIRO (IBG) Crediting Time and Refund Time for Unsuccessful Transactions Crediting time For All Channels (i) Monday - Friday Before 5.00 am Same Business Day By 11.00 am 5.01 am to 8.00 am Same Business Day By 2.00 pm 8.01 am to 11.00 am Same Business Day By 5.00 pm 11.01 am to 2.00 pm Same Business Day By 8.20 pm 2.01 pm to 5.00 pm Same Business Day by 11.00 pm After 05.01 pm Next Business Day By 11.00 am (ii) Non-business days Next Business Day By 11.00 am Refund for Unsuccessful Transactions (i) Monday - Friday Before 5.00 am Same Business Day By 5.00 pm 5.01 am to 8.00 am Same Business Day By 8.20 pm 8.01 am to 11.00 am Same Business Day By 11.00 pm 11.01 am to 2.00 pm Next Business Day By 11.00 am 2.01 pm to 5.00 pm Next Business Day By 11.00 am After 05.01 pm Next Business Day By 11.00 am (ii) Non-business days Next Business Day By 11.00 am C. Interbank GIRO (IBG) Product Offering and Account Structure as of 1 July 2021 Saving Credit card Loan HP Full No Bank Current Account Delivery Channel Account Account Account Account Settlement Affin Bank 12 Digits 12 Digits 16 Digits 12 Digits 12 Digits OTC, Internet, 1 Affin Islamic Bank 12 Digits 12 Digits - 12 Digits 12 Digits Desktop Banking 2 Agrobank - 16 Digits - 17 Digits - Yes OTC, Internet, ATM Alliance Bank 15 Digits 15 Digits 16 Digits 15 Digits 15 Digits 3 OTC, Internet Alliance Islamic Bank 15 Digits 15 Digits - 15 Digits 15 Digits Al Rajhi Banking & 16 Digits ( Al- OTC, Internet, Cash 4 Investment 15 Digits 15 Digits Rajhi Charge - - Management Corporation Card) 16 Digits ( Ambank Ambank 13 Digits 13 Digits Credit Card & 14 Digits 14 Digits MBF-LOC by 5 OTC, Internet Ambank only) 16 Digits 13-14 AmIslamic Bank 13 Digits 13 Digits ( Ambank 14 Digits Digits Credit Card ) 6 Bangkok Bank Berhad 13 Digits 13 Digits - - - OTC Bank Kerjasama Rakyat 10 Digits 10 Digits Master 16 10 Digits 10 Digits OTC, Internet, ATM, 7 Yes Malaysia Berhad & 12 Digits & 12 Digits Digits & 12 Digits & 12 Digits Desktop Banking OTC, Internet, Desktop Banking, 8 Bank Islam 14 Digits 14 Digits 16 Digits 14 Digits 14 Digits Yes Mobile Banking, ATM 14 Digits & 14 Digits & OTC, Internet, 9 Bank Muamalat 14 Digits 14 Digits - 17 Digits 17 Digits Desktop Banking 10 Bank of America 5 to 17 Digits 5 to 17 Digits - - - OTC, Internet Saving Credit card Loan HP Full No Bank Current Account Delivery Channel Account Account Account Account Settlement 13 Digits & 15 13 Digits & 15 11 Bank of China 16 Digits - - OTC, Internet Digits Digits Bank Simpanan OTC, Internet, ATM, 12 - 16 Digits 16 Digits 15 Digits 15 Digits Nasional Corporate Systems MUFG Bank 13 6 Digits 6 Digits - 6 Digits - Internet, OTC (Malaysia) Berhad 10 and 14 10,14 and 10,12 and CIMB Bank 10 and 14 Digits 16 Digits Yes Digits 17 Digits 17 Digits OTC, Internet 14 10 and 14 10,14 and 10,12 and CIMB Islamic Bank 10 and 14 Digits - Yes Digits 17 Digits 17 Digits 6 to 16 Digits 15 BNP Paribas (Corporate - - 16 Digits - OTC, Internet Current Account) China Construction 16 Bank (Malaysia) 12 Digits 12 Digits - - - OTC, Internet Berhad 10-Digits (Personal Current Account) 10 - 14 17 Citibank 10 Digits 15-16 Digits - OTC, Internet 9-16-Digits Digits (Corporate Current Account) 10-17 OTC, Corporate 18 Deutsche Bank 10-17 Digits 10-17 Digits - - Yes Digits Internet Saving Credit card Loan HP Full Delivery Channel No Bank Current Account Account Account Account Account Settlement 16 Digits 11 Digits OTC, Internet, 11 Digits & 13 11 Digits & 13 11 Digits & Hong Leong Bank (Visa/Master) & 13 Yes Digits Digits 13 Digits Corporate Desktop 15 Digits(Amex) Digits 19 11 Digits Hong Leong Islamic 11 Digits & 13 11 Digits & 13 11 Digits & - & 13 Yes Bank Digits Digits 13 Digits Digits 12,13,14,15,17 OTC, Internet HSBC Bank 12 Digits 16 Digits 12 Digits - Digits 20 12,13,14,15,17 12 to 14 HSBC Amanah 12 Digits 16 Digits - Digits Digits Industrial & OTC, Internet 21 Commercial Bank of 19 Digits 19 Digits 16 Digits 19 Digits China (ICBC) 10 Digits 10 Digits to 17 10 Digits to 17 Internet 22 JP Morgan Chase - to 17 - Digits Digits Digits Kuwait Financial OTC, Internet, ATM 23 12 Digits 12 Digits 16 Digits 12 Digits 12 Digits House 16 Digits (MBB OTC, Internet, Visa/Master) Destop Banking, Maybank / Maybank Yes 24 12 Digits 12 Digits 15 Digits (MBB 12 digits 12 Digits Islamic *(HP only) Cash Management, AMEX Credit Call Center Card) OTC, Internet, ATM 25 MBSB Bank Berhad 16 Digits 16 Digits - 17 Digits 17 Digits - OTC, Internet 26 Mizuho Bank 10 Digits - - - - Saving Credit card Loan HP Full Delivery Channel No Bank Current Account Account Account Account Account Settlement OCBC Bank 9 to 17 Digits 10 Digits 16 Digits 15 Digits - OTC, Internet, 27 Mobile Banking OCBC Al-Amin Bank 9 to 17 Digits 10 Digits - 15 Digits - Public Bank 10 Digits 10 Digits 16 Digits 15 Digits 15 Digits OTC, Internet 28 Public Islamic Bank 10 Digits 10 Digits - 15 Digits 15 Digits RHB Bank 14 Digits 14 Digits 16 Digits 14 Digits 12 Digits OTC, Internet, ATM 29 RHB Islamic Bank 14 Digits 14 Digits - 14 Digits 12 Digits 12 Digits (Personal Standard Chartered Current Account 12 Digits 16 Digits 8 Digits - Bank ) & 5 to 17 digits ( corporate OTC, Internet, Phone Current Account) 30 12 Digits Banking (Personal Standard Chartered Current Account 12 Digits - 8 Digits - Saadiq ) & 5 to 17 digits ( corporate Current Account) Sumitomo Mitsui OTC, Internet 31 8 Digits - - - - Banking Corporation Saving Credit card Loan HP Full Delivery Channel No Bank Current Account Account Account Account Account Settlement 7,9,10,11,12,13, 10 & 15 OTC, Internet 32 United Overseas Bank 10 & 11 Digits 16 Digits - 14,17 Digits Digits *(subject to confirmation of settlement sum & date) © BNP Paribas Malaysia Berhad Update : 1 July 2021 .