Fees & Charges - Payment Services

Payment Services

Individuals

Transfer to 3rd Party Hong Leong Account

No.	Items	Channels
No.	Items	Online Banking	Mobile Banking	ATM	Over-the-counter (OTC)
1)	Fees and Charges (RM per transaction)	Zero fees
2)	Daily transaction limit	RM50,000.00 combined limit		RM50,000.00 combined limit	No limit
3)	Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement	Yes
3)	(ii) Availability of beneficiaries' names and payment references in payers' bank statement	Yes
4)	Operating hours	24 hours		Branch opening hours	Branch opening hours
5)	Crediting time (i) Monday - Friday	Immediate
5)	(ii) Non-business days	Immediate

Interbank GIRO (IBG)

No.	Items	Channels
No.	Items	Online Banking	Mobile Banking	ATM	Over-the-counter (OTC)1
1)	Fees and Charges (RM per transaction)	Zero fees		RM0.10	Bank's existing customer RM0.30
2)	Daily transaction limit	RM50,000.00 combined limit		RM50,000.00 combined limit	No limit (IBG per transaction limit is RM1million)
3)	Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement	Yes
3)	(ii) Availability of beneficiaries' names and payment references in payers' bank statement	Yes
4)	Future-dated payments	Yes		N/A	N/A
5)	Operating hours	12.10am to 11.55pm		Branch opening hours	Branch opening hours

Note:
For IBG Funds Transfer timing, please click here

1 FOC for senior citizens and the disabled persons

Instant Transfer

No.	Items	Channels
No.	Items	ATM
1)	Fees and Charges (RM per transaction)	RM0.50 (for transfer above RM5,000)
2)	Daily transaction limit	RM50,000.00 combined limit
3)	Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement	Yes
3)	(ii) Availability of beneficiaries' names and payment references in payers' bank statement	Yes
4)	Operating hours	00.01am to 11.59pm
5)	Crediting time	For all channels
	(i) Monday - Friday	Immediate
	(ii) Non-business days	Immediate
6)	Refund Time	N/A

DuitNow to Account (also known as Instant Transfer) / Mobile / Other ID

No.	Items	Channels
No.	Items	Online Banking	Mobile Banking	ATM
1)	Fees and Charges (RM per transaction)	Zero Fees		N/A
2)	Daily transaction limit	RM50,000.00 combined limit		N/A
3)	Payment reference (i) Availability of payers' names and payment references in beneficiaries' bank statement	Yes		N/A
3)	(ii) Availability of beneficiaries' names and payment references in payers' bank statement	Yes		N/A
4)	Operating hours	24 hours		N/A
5)	Crediting time
	(i) Monday - Friday	Immediate		N/A
	(ii) Non-business days	Immediate		N/A

Businesses

Intrabank Funds Transfer

No.	Items	Channels
No.	Items	Business Online Banking	Mobile Banking	ATM	Over-the-counter (OTC)
1)	Fees and Charges (RM per transaction) (i) Sole-proprietors, partnership and SME1	N/A	N/A	N/A (For Sole Proprietors eligible for ATM cards, kindly refer to Bank Website for individual table for charges)	N/A
1)	(ii) Other corporates	N/A			N/A
2)	Daily transaction limit (RM per day) (i) Sole Proprietors, partnership and SME1	No limit (Customer / company to specify own limit)			No limit
2)	(ii) Other corporates	No limit (Customer / company to specify own limit)			No limit
3)	Payment Reference (i) Availability of payers' names and payment references in beneficiaries bank statement	Yes			Yes
3)	(ii) Availability of beneficiaries' names and payment references in payers' bank statements	Yes			Yes
4)	Operating hours	24 hours			Branch opening hours
5)	Crediting time (i) Monday - Friday	Immediate			N/A
5)	(ii) Non-business days	Immediate			N/A
6)	Refund time	N/A			N/A

Note:
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.	Items	Channels
No.	Items	Business Online Banking	Mobile Banking	ATM	Over-the-counter (OTC)
1)	Fees and Charges (RM per transaction) (i) Sole-proprietors, partnership and SME1	RM0.10	N/A	N/A (For Sole Proprietors eligible for ATM cards, kindly refer to Bank Website for individual table for charges)	RM0.30
1)	(ii) Other corporates	RM0.10			RM0.30
2)	Daily transaction limit (RM per day) (i) Sole Proprietors, partnership and SME1	No limit (Customer / company to specify own limit. IBG per transaction limit is RM1million)			No limit (IBG per transaction limit is RM1million)
2)	(ii) Other corporates				No limit (IBG per transaction limit is RM1million)
3)	Payment Reference (i) Availability of payers' names and payment references in beneficiaries bank statement	Yes			Yes
3)	(ii) Availability of beneficiaries' names and payment references in payers' bank statements	Yes			Yes
4)	Future-dated payments	Yes			N/A
5)	Operating hours	24 hours			Branch opening hours
For All Channels
6)	Funds Availability (Payment initiated) (i) Monday - Friday (Business Days)	Receiving Account Credited
	Before 5:00am	Same Business Day By 11:00am
	5:00am to 8:00am	Same Business Day By 2:00pm
	8:00am to 11:00am	Same Business Day By 5:00pm
	11:00am to 2:00pm	Same Business Day By 8:20pm
	2:00pm to 5:00pm	Same Business Day By 11:00pm
	After 5:00pm	Next Business Day By 11:00am
	(ii) Saturday, Sunday and Federal Territory Public Holidays(Non-Business Days)	Next Business Day By 11:00am
7)	Refund time (Refund initiated) (i) Monday - Friday (Business Days)	Receiving Account Credited
	Before 5.00am	Same Business Day By 5:00pm
	5.00am - 8.00am	Same Business Day By 8:20pm
	8.00am - 11.00am	Same Business Day By 11:00pm
	11.00am - 2.00pm	Next Business Day By 11:00am
	2:00pm to 5:00pm	Next Business Day By 11:00am
	After 5:00pm	Next Business Day By 5:00pm
	(ii) Saturday, Sunday and Federal Territory Public Holidays(Non-Business Days)	Next Business Day By 5:00pm

Note: 6% GST will be imposed on all fees/charges charged by the Bank where applicable effective 1 April 2015.
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

RENTAS

No.	Items	Channels
No.	Items	Business Online Banking	Mobile Banking	ATM
1)	Fees and Charges (RM per transaction) (i) SME1	RM2.00	N/A	RM5.00
1)	(ii) Other corporates	RM5.00		RM14.00
2)	Payment Reference (i) Availability of payers' names and payment references in beneficiaries' bank statement	To be available by end Dec 2015		To be available by end Dec 2015
2)	(ii) Availability of beneficiaries' names and payment references in payers' bank statement	To be available by end Dec 2015		To be available by end Dec 2015
3)	Operating hours	24 hours		Branch opening hours
For All Channels
4)	Crediting time (i) Monday - Friday	Within 30 minutes upon receipt of confirmation advices	N/A	Within 30 minutes upon receipt of confirmation advices
4)	(ii) Non-business days	N/A		N/A
5)	Refund Time (i) For funds received before 5.30pm	On the same working day based on best effort basis		On the same working day based on best effort basis
5)	(ii) For funds received after 5.30pm	On the next working day		On the next working day

Other related fees/charges for business online banking

No.	Items	Sole-proprietors, partnerships, societies and SME1	Other corporates
1)	Other related charges
	(i) Maintenance / subscription fee	FOC	RM15
	(ii) Security tokens	Waived for 1 token fee Subsequently RM50 per token	RM50 per token
	(ii) Security tokens	(Applicable to Payment module only- minimum 1 tokens)
	(iii) Annual digital certificates	RM10 p.a (Applicable to Payment module only)
	(iv) Salary payment / payroll	No separate charge
	(v) Notification / SMS	N/A
	(vi) Training	Online Guide available

To get listing of Individual and Business e-payment services offered by banking institutions in Malaysia and comparison of fees please click here: https://www.bnm.gov.my/e-payment-services-and-fees

For enquiries connect with us online or drop by your nearest Hong Leong Bank Branch.

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