1. Healthcare

Description of selected payment services
No
Payment services
Description
1
Intrabank funds transfer
2
IBG
A payment system that provides funds transfer services to accounts within the same financial
institution.
A payment system, which is operated by MyClear, that provides funds transfer services
amongst its participating financial institutions.
3
IBFT
4
FPX
5
Interbank Direct Debit
6
RENTAS
7
Debit card
8
Cheque
A payment system, which is operated by MEPS, that provides immediate funds transfer
services amongst its participating financial institutions.
An internet-based multi-bank payment platform that leverages on the Internet banking
services of banking institutions to offer online payment for electronic commerce (e-commerce)
transactions. Similarly, companies can easily extend their businesses online by offering a
quick and safe payment method to their customers.
An interbank collection service for regular and recurring payments enabling automated
collection directly from a customer’s bank account at multiple banks with a single
authorisation.
Interbank funds transfer made via RENTAS, with a minumum amount of RM10,000
A payment instrument that is linked to a deposit account at a financial institution that can be
used:
(i) to pay for goods and services;
(ii) to withdraw cash from automated teller machine or withdraw cash at participating retail
outlets through debit card usage by debiting the user's account; or
(iii) for the purpose of (i) and (ii).
A paper based payment instrument. It is a form of written order directing a bank to pay money
to the beneficiary.
(1) Individuals
Intrabank Funds Transfer
Channels
No
Items
(1) Fees and Charges (RM per transaction)
(2) Daily transaction limit (RM per day)
Internet banking
Mobile banking
ATM
Over-the-counter (OTC)
No charges
No charges
No charges
RM5.00
RM5,000 combined limit
with Cash Withdrawal
No limit
RM10,000 daily limit for intrabank funds transfer
(exclude Interbank & IBFT transfer limit)
(3) Payment reference
(i)
Availability of payers' names and payment
references in beneficiaries' bank statement
Yes
Yes
No
Yes
(ii)
Availability of beneficiaries' names and
payment references in payers' bank statement
Yes
Yes
No
Yes
04.00 am -11.59pm
Banking Hours
12.30 am - 11.59 pm
(4) Operating hours
(5) Crediting time
(i)
(ii)
All Channels
Immediate
Immediate
Monday - Friday
Non-business days
Not Applicable
(6) Refund time
Interbank GIRO (IBG)
Channels
No
Items
(1) Fees and Charges (RM per transaction)
(2) Daily transaction limit (RM per day)
Internet banking
Mobile banking
Over-the-counter (OTC)1
ATM
RM0.10
RM0.10
2.00
0.30
RM100K per transaction
Up to RM 10,000
RM10,000 daily limit for interbank GIRO (IBG) funds
transfer (exclude Intrabank & IBFT transfer limit)
(3) Payment reference
(i)
Availability of payers' names and payment
references in beneficiaries' bank statement
Yes
Yes
Yes
Yes
(ii)
Availability of beneficiaries' names and
payment references in payers' bank statement
Yes
Yes
Yes
Yes
Yes
No
No
No
Banking hours
04.00 am -11.59pm
(4) Future-dated payments
12.30 am - 11.59 pm
(5) Operating hours
(6) Crediting and Refund Time for IBG transactions made at Internet Banking / Mobile Banking / OTC
Payment Initiated by customers
Business Days
(Mon - Fri)
* Funds Received by Beneficiaries
*Refund for Unsuccessful Transactions
Before 5.00am
By 11.00 am
By 5.00 pm
5.01am - 8.00 am
By 2.00 pm
By 8.20 pm
By 5.00 pm
By 11.00 pm
11.01 am to 2.00 pm
By 8.20 pm
2.01 pm to 5.00 pm
By 11.00 pm
By 11.00 am,
next business day
Next business day
By 11.00 am
By 5.00 pm
Next business day
By 11.00 am
By 5.00 pm
8.01 am to 11.00 am
After 5.00 pm
Non-business days
(Saturday, Sunday and Federal Territory Public Holidays)
Same business day
Crediting and Refund Time for IBG transactions made at ATM
Payment Initiated by customers
Business Days
(Mon - Fri)
* Funds Received by Beneficiaries
*Refund for Unsuccessful Transactions
Before 4.00am
By 11.00 am
By 5.00 pm
4.01am - 7.00 am
By 2.00 pm
By 8.20 pm
Same business day
By 5.00 pm
By 11.00 pm
By 11.00 am,
next business day
Next business day
By 8.20 pm
By 11.00 pm
By 11.00 am
Next business day
By 11.00 am
By 5.00 pm
7.01 am to 10.00 am
10.01 am to 1.00 pm
1.01 pm to 4.00 pm
After 4.00 pm
Non-business days
(Saturday, Sunday and Federal Territory Public Holidays)
* Under normal circumstances
1 FOC for senior citizens and the disabled persons
By 5.00 pm
Instant Interbank Funds Transfer (IBFT)
No
Items
Channels
Internet banking
Mobile banking
ATM
RM0.80
Not Available
At RHB Bank, MEPS member banks & Islamic
Foreign Banks - RM 1.00
(1) Fees and Charges (RM per transaction)
At Locally Incorporated Foreign Banks -RM 4.00
(2) Daily transaction limit (RM per day)
RM10,000 daily limit for
IBFT transfer (exclude
Intrabank & IBG limit)
Not Available
Up to RM 10,000
(3) Payment reference
(i)
Availability of payers' names and payment
references in beneficiaries' bank statement
Yes
Not Available
Yes
(ii)
Availability of beneficiaries' names and
payment references in payers' bank statement
No
Not Available
No
6.00 am - 11.59 pm
Not Available
04.00 am -11.59pm
(4) Operating hours
(5) Crediting time
(i)
(ii)
(6) Refund time
Monday - Friday
Non-business days
Immediate
Immediate
Immediate
Immediate
Not Available
Not Available
Not Applicable
RENTAS
No
Items
Channels
Internet banking
Mobile banking
(1) Fees and Charges (RM per transaction)
RM5.00
(2) Payment reference
Availability of payers' names and payment
(i)
references in beneficiaries' bank statement
(ii)
Over-the-counter (OTC)
Yes
Availability of beneficiaries' names and
payment references in payers' bank statement
Will be available by Dec
2015
(3) Operating hours
Banking Hours
Not available
Not available
(4) Crediting time
(i)
Monday - Friday
(ii)
Non-business days
Autocredit: realtime
Others: 30 minutes from
time of receipt
Not available
(5) Refund time
Same day
Financial Process Exchange (FPX) and Interbank Direct Debit
Items
No
FPX
No charges for individuals
(1) Fees and Charges (RM per transaction)
1. Cybernote Sdn Bhd
2. Gambunny Global Sdn Bhd
3. Health Builders Sdn Bhd
4. HR Marketing Sdn Bhd
5. Gocell International Sdn Bhd
6. Ifast Capital Sdn Bhd
7. IME (M) Sdn Bhd
8. Interbase Resources Sdn Bhd
9. Kelab Golf Negara Subang
10. Kube Ventures
11. Majlis Perbandaran Seremban
12. MM Network Sdn Bhd
13. Mobile Wallet Sdn Bhd
14. OSK Investment Bank Berhad
15. Sara Worldwide Vacations Berhad
16. Seksyen Keselamatan Sinarn BH / KKM
17. TCCL Sdn Bhd
18. Trumer Nutrition Sdn Bhd
19. Tune Talk Sdn Bhd
20. Vision Multimedia Sdn Bhd
21. Escape Life Sdn Bhd
22. Jabatan Kastam Diraja Malaysia
(2) Merchants
Other related fees/charges for online banking (internet and mobile banking)
Items
No
1
2
RM
Other related charges
(i)
Maintenance / subscription fee
(ii)
Security tokens
(iii)
Annual digital certificates
(iv)
Salary payment / payroll
(v)
Notification / SMS
(vi)
Training
Incentives and packages
Interbank Direct Debit
Not applicable
Not applicable
Not available
(2) Businesses
Intrabank Funds Transfer
Channels
No
Items
Internet banking
(RHB Reflex)
Over-the-counter (OTC)
FOC to RM0.10
FOC to RM0.80
RM5.00
No Limit
No Limit
No Limit
Yes
Yes
Yes
Yes
7am to 11pm
Banking Hours
ATM
Mobile banking
Not Available
Not Available
ATM
Mobile banking
Not Available
Not Avaiable
(1) Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME1
Other corporates
(2) Daily transaction limit (RM per day)
Sole-proprietors, partnership and SME1
Other corporates
(3) Payment reference
Availability of payers' names and payment
(i)
references in beneficiaries' bank statement
Availability of beneficiaries' names and payment
(ii)
references in payers' bank statement
(4) Operating hours
(5) Crediting time
(i)
(ii)
Monday - Friday
Non-business days
Hourly
(6) Refund time
Hourly
Immediate
Not applicable
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)
Channels
No
Items
Internet banking
(RHB Reflex)
Over-the-counter (OTC)
(1) Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME1
RM0.10 to RM0.50
Other corporates
RM0.10 to RM1.00
RM2.00
(2) Daily transaction limit (RM per day)
Sole-proprietors, partnership and SME1
Unlimited
RM100K per transaction
Other corporates
Unlimited
RM100K per transaction
(3) Payment reference
(i)
Availability of payers' names and payment
references in beneficiaries' bank statement
Yes
Yes
(ii)
Availability of beneficiaries' names and payment
references in payers' bank statement
Yes
Yes
Yes
No
7am to 11pm
Banking hours
(4) Future-dated payments
(5) Operating hours
Crediting and Refund Time for IBG transaction made at Internet Banking and OTC
(6)
Payment Initiated by customers
Business Days
(Mon - Fri)
* Funds Received by Beneficiaries
*Refund for Unsuccessful Transactions
Before 5.00am
By 11.00 am
By 5.00 pm
5.01am - 8.00 am
By 2.00 pm
By 8.20 pm
By 5.00 pm
By 11.00 pm
By 8.20 pm
By 11.00 pm
By 11.00 am ,
next business day
Next business day
By 11.00 am
By 5.00 pm
Next business day
By 11.00 am
By 5.00 pm
8.01 am to 11.00 am
Same business day
11.01 am to 2.00 pm
2.01 pm to 5.00 pm
After 5.00 pm
Non-business days
(Saturday, Sunday and Federal Territory Public Holidays)
* Under normal circumstances
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
Instant Interbank Funds Transfer (IBFT)
Channels
No
Items
Internet banking (RHB Reflex)
Mobile banking
(1) Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME1
Other corporates
(2) Daily transaction limit (RM per day)
Sole-proprietors, partnership and SME1
Other corporates
(3) Payment reference
(i)
Availability of payers' names and payment
references in beneficiaries' bank statement
payment references in payers' bank statement
(ii)
Availability of beneficiaries' names and payment
references in payers' bank statement
Not Available
(4) Operating hours
(5) Crediting time
(i)
(ii)
(6) Refund time
Monday - Friday
Non-business days
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
ATM
RENTAS
Channels
No
Items
Internet banking (RHB Reflex)
Over-the-counter (OTC)
RM2.00 - RM4.00
RM5.00
Yes
Yes
Will be available by Dec 2015
Will be available by Dec 2015
7am to 11pm
Banking hours
Mobile Banking
(1) Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME1
Other corporates
(2) Payment reference
Availability of payers' names and payment
(i)
references in beneficiaries' bank statement
Availability of beneficiaries' names and payment
(ii)
references in payers' bank statement
(3) Operating hours
Not Available
(4) Crediting time
(i)
Monday - Friday
(ii)
Non-business days
(5) Refund time
30 minutes from time of receipt
30 minutes from time of receipt
Not applicable
Not applicable
Same day
Same day
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
Financial Process Exchange (FPX) and Interbank Direct Debit
No
Items
FPX
Interbank Direct Debit
(1) Fees and Charges (RM per transaction)
Sole-proprietors, partnership and SME1
No charges. Charges applicable for merchants only
Other corporates
(2) Merchants
1. Jabatan Kastam Diraja Malaysia
2. Pertubuhan Keselamatan Sosial
(PERKESO)
1. Agensi Kaunseling dan Pengurusan Kredit
2. HR Marketing Sdn Bhd
3. Jabatan Kastam Diraja Malaysia
4. Koa Office Solutions Sdn Bhd
5. Kumpulan Wang Simpanan Pekerja
6. Malaysian Medical Relief Society
7. MBF Cards (Malaysia) Sdn Bhd
8. Muslim Youth Movement of Malaysia
9. Rakan Jaya Enterprise
10. RHB Investment Bank Bhd
11. RHB Investment Management Sdn Bhd
12. Seksyen Keselamatan Sinaran Bahg Perkhidmatan
Kejuteraan
13. Sogo (KL) Department Store Sdn Bhd
14. Sportathlon (Malaysia) Sdn Bhd
15. Tan Toh Jin Realty Sdn Bhd
16. Tokio Marine Life Insurance Malaysia Bhd
17. Woongjin Coway Sdn Bhd
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
Other related fees/charges for online banking (internet and mobile banking)
Items
No
1
2
Sole-proprietors, partnership and SME1
Other corporates
FOC
RM30
First 2 Tokens- FOC, Subsequent-RM50.00 per token
First 2 Tokens - FOC, Subsequent RM50.00 per token
Other related charges
(i)
Maintenance / subscription fee
(ii)
Security tokens
(iii)
Annual digital certificates
Not applicable
Not applicable
(iv)
Salary payment / payroll
FOC to RM2.00 (Payroll via RENTAS)
FOC to RM2.00 (Payroll via RENTAS)
(v)
Notification / SMS
FOC
FOC
(vi)
Training
RM150 (On-site@Clients's Office), FOC (RHB Premises)
RM150 (On-site@Clients's Office), FOC
(RHB Premises)
SME Package
Standard Package
Incentives and packages
Debit Card
(1) Individuals
No
(1)
(2)
1
Items
Daily point-of-sale
transaction limit
(RM per day)
Incentives
Standalone
domestic debit
card
RM3,000
RM200
(Age above 12 <=
18)
Not Available
Standalone
International
brand debit card
Combo debit card
Debit Card
1
Domestic
International
Cash Connect Debit Card
(Conventional & Islamic)
Not Available
Defaulted at RM3,000
Defaulted at RM3,000
RHB Debit Card (Conventional
& Islamic)
Defaulted at RM3,000
(RM200 - Age between 12 <= 18 )
Defaulted at RM3,000
(RM200 - Age between 12 <=
18)
Cash Connect Debit Card
(Conventional & Islamic)
0.5% Cash Rebate
0.5% Cash Rebate
Premier Platinum Debit card
0.5% Cash Rebate
1.0% Cash Rebate
Tesco-RHB Debit Card
Spending in Tesco - 3 Clubcard
Points
Spending outside Tesco - 1
Clubcard Point
1 Clubcard Point
RHB Debit Card (Conventional
& Islamic)
Nil
Nil
Premier Platinum Debit card
Tesco-RHB Debit Card
Not Available
Cards with both domestic debit and international debit schemes
Debit Card
(2) Businesses
No
(1)
(2)
1
Items
Daily point-of-sale
transaction limit
(RM per day)
Standalone
domestic debit
card
Standalone
International
brand debit card
Not Available
Not Available
Incentives
Cards with both domestic debit and international debit schemes
Combo debit card
1
Domestic
International
Not Available
Not Available
Not Available
Not Available
Cheque and Current Account Services
Fee per cheque issued
RM
Effective date
0.50
02/01/2015
Interest rate/profit rate
(% per annum)
MaxCa$h Account
Up to RM20,000*
0.00%
Above RM20,000
2.75%
* First RM20,000 in MaxCa$h Account is non-interest bearing irrespective of
account balance.
My1 Account
Up to RM5,000*
0.00%
Up to RM20,000
0.10%
Up to RM50,000
0.30%
Up to RM100,000
0.80%
Up to RM500,000
1.10%
Above 500,000
1.20%
* First RM5,000 in My1 Account is non-interest bearing irrespective of account
balance.
Premier Current Account
Up to RM5,000*
0.00%
Up to RM20,000*
0.30%
Up to RM50,000
0.50%
Up to RM100,000
1.00%
Up to RM500,000
1.10%
Above RM500,000
1.20%
* No interest is paid on the first RM5,000
Link (Conventional Current Account Interest Rates) : http://www.rhb.com.my/rate_charges/interest-rates/ir_current_main.html
Link (Premier Current Account) : http://www.rhb.com.my/rate_charges/interest-rates/ir_premier_main.html