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Idea Transcript
Frequently Asked Questions on Interbank GIRO (IBG) transfers
1) What is Interbank GIRO (IBG)? Interbank GIRO (IBG) allows funds to be transferred from a customer’s savings or current account to an account at another bank, whether it is a savings, current, loan/financing or credit card account. This service is provided by Malaysia Electronic Clearing Corporation Sdn Bhd (MyClear). 2) How can I as an individual customer perform IBG transfers? Individual customers can perform IBG transfers through the following channels: - At the branch - Internet Banking - ATM 3) Which financial institutions offer IBG? There are 28 banks that offer IBG as follows:
Only these banks may receive and send funds via IBG. 4) What are the minimum and maximum amounts that can be transferred via IBG? Branch – RM500,000 per transaction per day Internet Banking – RM30,000 per transaction per day ATM – RM5,000 per transaction per day
5) What is the service charge for using IBG? Branch - RM2.00 Internet Banking – RM0.10 ATM – RM0.30 You may also refer to “HSBC Tariff and Charges” on our website for the current fees and charges for IBG. 6) How long will it take to transfer funds to other banks via IBG?
7) How will I know if my fund transfer is successful or unsuccessful? If the fund transfer is unsuccessful, you will receive an SMS from the bank to notify you of the rejected transaction provided your mobile phone number has been registered and/or updated with the bank. You may also check your account balance to see if the amount transferred has not been returned and subsequently re-credited into your account. In any event, the successful transfer will be reflected in your month-end statement. 8) What happens if the information provided is not accurate e.g. invalid or wrong beneficiary account number? The transaction will be rejected by the receiving beneficiary bank and the funds will be recredited into your account.
9) What is the difference between Interbank GIRO (IBG) and Interbank Funds Transfer (IBFT) which can only be performed at the ATM? IBFT allows funds to be transferred immediately on a real time basis whereas IBG is delayed funds transfer which depends on the cut-off times above.