PayNet x ZUS COFFEE
Order any Mango Series drink on the ZUS COFFEE app and pay with Online Banking to enjoy RM2 off.
Transfer Money Between
Banks Hassle-Free
Send money to your own or a third party’s account at participating banks using internet, mobile or phone banking, ATMs or over-the-counter (OTC) at any branch.
Repairs
RM 400.00
Insurance
RM 300.00
School
RM 250.00
Keep Money Moving
Seamlessly
Wide Access Across Banks
Connect to 43 participating banks across Malaysia for faster, easier and more reliable money transfers.
Low Transaction Fees
Pay RM0.10 per transaction via internet or mobile banking. Transaction fees and OTC charges may vary by bank.
Send More in a Single Transaction
Transfer up to RM1,000,000 per transaction, based on your bank’s existing limits and policies.
Let Us Get You Started
1
Log In to Your Bank Account
Open your bank’s internet or mobile banking app to get started.
2
Choose Interbank GIRO
Go to ‘Funds Transfer’ and choose ‘Interbank GIRO (IBG)’ from the options available.
3
Enter Your Transfer Details
Fill in the recipient’s account details, amount and reference (if any), then double-check before submitting your transaction.
4
Keep A Copy of Your Records
Save or print your receipt or note down the transaction reference number in case you need it later.
| Day | Payment Initiated by Customers | *Funds Received by Beneficiaries | *Refund for Unsuccessful Transactions | ||
|---|---|---|---|---|---|
| ATM | Internet Banking and OTC | ||||
| Business Days (Mon–Fri) | Before 4:00 am | Before 5:00 am | Same business day | By 11:00 am | By 5:00 pm |
| 4:01 am to 7:00 am | 5:01 am to 8:00 am | By 2:00 pm | By 8:20 pm | ||
| 7:01 am to 10:00 am | 8:01 am to 11:00 am | By 5:00 pm | By 11:00 pm | ||
| 10:01 am to 1:00 pm | 11:01 am to 2:00 pm | By 8:20 pm | By 11:00 am, next business day | ||
| 1:01 pm to 4:00 pm | 2:01 pm to 5:00 pm | By 11:00 pm | By 11:00 am, next business day | ||
| After 4:00 pm | After 5:00 pm | Next business day | By 11:00 am | By 5:00 pm | |
| Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) | Next business day | By 11:00 am | By 5:00 pm | ||
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Frequently
Asked
Questions
Asked
Questions
You can make an IBG transfer through three channels:
Channel 1 – Internet and Mobile Banking
Transfer funds easily through your bank internet or mobile banking platform using the Interbank GIRO option.
Channel 2 – Over the Counter
Visit any participating bank branch and fill in the Interbank GIRO form. You will need to provide the beneficiary’s name, account number and the amount to transfer. Indicate your mode of payment (cash or debit from your Current or Savings Account) and the bank will process your request.
Channel 3 – ATM & Phone Banking
You can also use your bank ATM or Phone Banking services (where available). Please check with your bank for details.
Channel 1 – Internet and Mobile Banking
Transfer funds easily through your bank internet or mobile banking platform using the Interbank GIRO option.
Channel 2 – Over the Counter
Visit any participating bank branch and fill in the Interbank GIRO form. You will need to provide the beneficiary’s name, account number and the amount to transfer. Indicate your mode of payment (cash or debit from your Current or Savings Account) and the bank will process your request.
Channel 3 – ATM & Phone Banking
You can also use your bank ATM or Phone Banking services (where available). Please check with your bank for details.
You can transfer funds from your Current or Savings Account to another participating bank account including Current, Savings, Loan, Financing or Credit card Accounts.
If the account number entered is incorrect the transaction may be rejected by the receiving bank and the funds will be refunded (refer to the Fund Availability table). You may also contact your bank to request a recovery of funds. The bank will do its best to help recover the funds.
Yes. You can use additional details such as identification number, Business Registration Number (BRN), passport number or police or army ID to help ensure the funds go to the correct recipient.
You can check the transaction history in your internet or mobile banking app or confirm directly with the recipient. If the transfer is unsuccessful the amount will be refunded.