Interbank GIRO (IBG) Channels No Items Internet banking Mobile banking ATM Over-the-counter (OTC) (1) Fees and Charges (RM per transaction) Other corporates 0.10 Not offering Not offering Not offering (2) Daily transaction limit (RM per day) 1,000,000.00 per transaction Other corporates Not offering Not offering Not offering No daily limit (3) Payment reference Availibility of payers' names and payment references (i) in beneficiaries' bank statement YES Not offering Not offering Not offering payment references in payers' bank statement Availibility of beneficiaries' names and payment (ii) YES Not offering Not offering Not offering references in payers' bank statement (4) Future-dated payments YES Not offering Not offering Not offering (5) Operating hours Cut off time: 5:00pm For all channels (6) Crediting time (i) Monday - Friday Before 5.00am Same business day By 11:00am 05:01 am to 08:00 am Same business day By 02:00pm 08:01 am to 11:00 am Same business day By 05:00pm 11:01 am to 02:00 pm Same business day By 08:20pm 02:01 pm to 05:00 pm Same business day By 11.00pm After 05:00 pm Next business day By 11:00am (ii) Non-business days Next business day By 11.00am (7) Refund for Unsuccessful Transactions (i) Monday - Friday Before 5.00am Same business day By 05:00pm 05:01 am to 08:00 am Same business day By 08:20pm 08:01 am to 11:00 am Same business day By 11:00pm 11:01 am to 02:00 pm Same business day By 11:00 am, next 02:01 pm to 05:00 pm Same business day business day After 05:00 pm Next business day By 05:00pm Non-business days (Saturday, Sunday and Federal (ii) Territory Public Holidays) Next business day By 05.00pm RENTAS Channels No Items Internet banking Mobile banking Over-the-counter (OTC) (1) Fees and Charges (RM per transaction) Other corporates 10.00 Not offering Not offering (2) Payment reference Availibility of payers' names and payment references (i) in beneficiaries' bank statement YES Not offering Not offering payment references in payers' bank statement Availibility of beneficiaries' names and payment (ii) YES Not offering Not offering references in payers' bank statement (3) Operating hours Cut off time: 3:00pm For all channels (4) Crediting time (i) Monday - Friday Immediate Not offering (ii) Non-business days Following business day Not offering 30 minutes once receive (5) Refund time return payment Other related fees/charges for online banking No Items Other corporates 1 Other related charges (i) Maintenance / subscription fee 150.00 per month (ii) Security tokens 150.00 per device (iii) Annual digital certificates Not offering (iv) Salary payment / payroll According to IBG fee (v) Notification / Email Subject to offering (vi) Training No charge 2 Incentives and packages.