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| 1. Getting Started |
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| 1.1 What is AmOnline? |
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AmOnline is one of the most convenient ways to do your personal banking via the Internet. This
services allows you to check your account balances, pay your bills, and manage your credit cards
at home or anywhere you may be. This online services is free for all AmBank customers (over 18
years of age).
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| 1.2 Who are eligible for AmOnline services? |
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Anyone with at least one of the following AmBank Group products:
- Savings or current account
- Credit card
- Hire Purchase or Consumer Loan Account
- NexG Prepaid Card
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| 1.3 How can I access AmOnline? |
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You can access AmOnline by following these simple steps:
AmBank ATM / Credit Card / NextG
- You need to be an ATM cardholder of Savings accounts / Current accounts / Credit Card holder / NextG Prepaid Card Holder..
- You need a Web PIN (Personalised Identification Number). Just create your new 6-digit Web PIN at any of
our AmBank ATMs using your ATM / credit card./ NextG prepaid card
- Go to www.AmOnline.com.my. Login and select
'First Time Login' function. Follow the prompts to enter your card number and Web PIN.
- Create your Login ID and Password as prompted.
Congratulations! You are on your way to experience convenient.
Non ATM Card Customers
- Apply for Virtual PIN by completing this form and send via registered mail to:
AmBank Contact Centre, P.O. Box 12617, 50784 Kuala Lumpur
or fax* to 03-2171 3171.
- Virtual PIN will be sent to you within 2 weeks. Once received, call AmBank Contact Centre at 1300 80 8888 (Domestic) or (603) 2178 8888 (Overseas).
- Go to www.AmOnline.com.my.
- Click on 'First Time Login' and complete the registration process.
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| 1.4 Can I access AmOnline using Hire Purchase or Consumer Loan Account? |
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Yes, you may signup for our AmOnline using Hire Purchase or Consumer Loan Account and follow these
simple steps:
Hire Purchase/Consumer Loan
For subsequent logins, just enter your login ID and Password. For security reasons, please keep
your Login ID and Password confidential.
What type of transaction is allowed?
For Hire Purchase:
Only non-financial transaction are allowed, e.g. Transaction History review, Request for Statements, Secure
Message and so on.
For Consumer Loan:
Only non-financial transaction are allowed, e.g. Printed Statement Request, Account Enquiry, Secure
Message and so on.
How can I perform financial transaction?
You can perform financial transaction by following these simple steps:
Step 1 - You need to be an ATM cardholder of AmBank deposit accounts
or a Credit Card holder.
Step 2 - You need a Web PIN (Personalised Identification Number).
Just create your new 6-digit Web PIN at any of our AmBank ATMs using your ATM or credit card.
Step 3 - Go to www.AmOnline.com.my.
Click on 'Maintenance'. Link the ATM or credit card and input your Web PIN. All accounts linked to the ATM
or credit card will be automatically registered to your AmOnline profile.
For subsequent account linking/unlinking, just enter your accounts at the 'Maintenance' services.
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| 1.5 If I have forgotten my Login ID and Password, what should I do? |
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You may call our Contact Centre to obtain your Login ID.
If you have forgotten your password, go to 'Forgot Password' function and follow the prompts to
complete the necessary information required to obtain your password reminder.
If you are still unable to recall your password, you will have to register for the AmOnline
services again. Should you require further details, kindly call our AmBank Contact Centre at 1300 80 8888 (Domestic) or (603) 2178 8888 (Overseas).
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| 1.6 Can I change my Login ID and Password? |
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Yes, you may change your password. However, you will need to login with your existing password before
changing it to the new password. Your login ID cannot be changed.
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| 1.7 Can anyone else access my account information through AmOnline? |
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No one can access your account information through AmOnline without your Login ID and Password. We
encourage you to keep both your Login ID and Password confidential at all times to prevent unauthorised
use of your AmOnline account.
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| 1.8 For Joint Account, do I have to share my Login ID and Password? |
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Each account holder will be allowed to create his or her own Login ID and password that is unique.
For security reason, please do not disclose your password to anyone.
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| 1.9 If I have more than one account, do I activate separate Web PIN to access each account? |
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All your accounts linked to ATM/Credit Card services will be automatically displayed in your
AmOnline account list. Accounts without ATM services will not be displayed/included in the
account list. You will then need to link these accounts at the 'Maintenance' function.
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| 2. AmOnline Services |
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| 2.1 Which accounts can I access through AmOnline? |
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You can access most of your AmBank Group personal accounts.
Banking accounts
- Savings Account
- Current Account
- Fixed Deposit / Deposit Investment Account
- Consumer Loans
- Credit Card (including your supplementary cards)
- Hire Purchase / Car Financing Account
Unit Trust accounts
- All your AmInvestment Services Berhad Unit Trust account
Insurance policies
- All Life policies
- All Family Personal Accident
- All Risk Insurance
- Drivercare Personal Accident
- Fire Insurance
- Householders/ Houseowners Insurance
- Motor Insurance
- Personal Accident
- Sihat Malaysia
To view your accounts, all you have to do is to perform account linkage online.
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| 2.2 Link and Unlink Accounts / Cards |
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How do I link/unlink my account/card for AmOnline access?
- Login and go to 'Maintenance' function and select 'Account Profile'.
- Select your choice of service and key in your Account Number.
When will the linking and unlinking of my accounts take effect?
When you link your account, you may view the account on the third working day. Unlinking of accounts
take immediate effect.
Linking and unlinking of Unit Trust accounts and Insurance policies will take effect on the third
working day.
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| 2.3 Account Summary, Inquiry and Transaction History |
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What is Account Summary?
Account Summary will display all the accounts that you have linked to Internet Banking service via the
'Maintenance' function. Just click on any of the accounts listed to view further details pertaining
that account.
Balance amount displayed for Consumer Loans, Hire Purchase / Car Financing and Insurance policy are as
of yesterday's balance.
Balances for Unit Trust accounts are as at last processed date. For fixed income funds of AmAl-Amin,
Am Cash Management and AmIncome, the balance of units excludes the accumulated daily income earned for
the current month.
What is Account Inquiry?
It is an online service via AmOnline where you will be able to view details pertaining
your Savings Account, Current Account, Fixed Deposit/ Deposit Investment, Consumer Loans, Credit Card,
Hire Purchase / Car Financing Account and Insurance policies maintained with AmBank Group.
What period is covered in the Transaction History?
You can review transaction history for:
- Savings, Current Account and Fixed Deposit / Deposit Investment - last 30 days
- Credit Card - statement date onwards
- Hire Purchase / Car Financing - up to 2 years
- Unit Trust - last 30 transactions from 1 Jan 2000 onwards
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| 2.4 Statement Services |
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What is Statement Inquiry?
Statement Inquiry is a service where you can view your periodic statements online via AmOnline for
the following accounts:
- Current Account (previous month statement)
- Credit Card (previous 6 statement cycles)
What is Printed Statement Request?
This is a service where you can request for a reprint of your account statement to be delivered to
you by post. A fee will be charged for each statement. Please refer to the Fees & Charges for all
costs. We advise you to keep the Bank updated with your latest mailing address.
What statements can I request for printing?
You may request for:
- AmBank Savings Account (previous month's statement)
- Current Account (previous 6 month's statement)
- Credit Card (previous 2 statement cycles)
- Consumer Loan (previous 2 semi-annual statements)
What is eStatement?
eStatement is an online monthly statement available via AmOnline for i-AmStar account holders.
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| 2.5 Online Application for AmBank Group Products |
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What products can I apply online?
You can apply for Savings and Current accounts, Credit Card, Hire Purchase / Car Financing, Consumer
Loan, Unit Trust and Insurance online after logging in to AmOnline.
How will I know if my application has been approved?
You will receive notification from us by mail or through phone within 3 working days. Should you require further details, kindly call our AmBank Contact Centre at 1300 80 8888 (Domestic) or (603) 2178 8888 (Overseas). |
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| 2.6 Bill Payment |
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Do I have to register my bills?
For your convenience, we advise you to register your bills by adding the relevant payees to your
payee list. The advantages of registering your bills is that you may perform Future Dated and Recurring
bill payments.
However, if you do not wish to register the bills, you are still able to make bill payments on an ad hoc
basis.
Who can I make bill payments to?
You can make bill payments to a growing list of payees. Please refer to Online Bill Payment for a
complete list of payees.
What accounts can I use to pay my bills?
You may pay your bills from your Savings Account, Current Account and Credit Card. Bill payments from
your Credit Card will be deducted from your line of credit. For payments to AmInvestment Bank Bhd.,
you may pay only from your Savings Account and Current Account.
What types of payment can I make to AmInvestment Bank Bhd.?
You are able to:
- Settle outstanding contracts
- Pay outstanding bills
- Top-up Margin Account with AmInvestment Bank Bhd.
- Deposit into Client Trust Account with AmInvestment Bank Bhd.
You may do so by keying in your 'Client Code' at the space for 'Bill Account Number' and your
'Contract / Reference Number' at the space for 'Bill Number'. If you are an eServices client, you may
obtain your 'Bill Number' by going through the Online Payment Notification at www.amesecurities.com.my.
With this bill number, you are able to pay more than one outstanding contract/ bill in one transaction.
You may also register your 'Client Code' for easy payments in the future.
What is the cut-off time to pay AmInvestment Bank Bhd. contracts?
Contracts should be paid by 5.30pm on day T+3. Payments after 5.30pm on the same day will be charged
interest. Payments on T+4 are not allowed. Please contact your remisier or AmInvestment Bank Bhd.
at 03-2031 0102 for further assistance.
Do I have to fill in the AmInvestment Bank Bhd. payment notification if I pay through AmOnline?
If you are an eServices client and have performed the Online Payment Notification before at AmOnline,
you need not fill in any other payment notification form. However, if you are not an eServices client,
or have not performed Online Payment Notification at eServices website, you will have to submit your
Payment Notification Form to either your remisier or directly to AmInvestment Bank Bhd.
Is there a limit to the amount that I can pay?
Yes, there will be a limit for your bill payment transactions (for open bills payment, immediate and
future dated transactions) as follows:
- RM750,000 per day for AmInvestment Bank Bhd
- RM5,000 per day for other bills
When will the payment take effect, after performing the payment?
Bill Payment Service requires sufficient time for the Payee Corporation to receive Customer’s payment and to credit Customer’s account with the payee corporation. To avoid incurring late charges, Customer should schedule his payments 3 working days in advance from the payment due date.
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| 2.7 Fund Transfer and Repayment |
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What accounts can I make Fund Transfers and Repayments to?
AmOnline allows you to perform fund transfers to your own or a Third Party's account
within AmBank Group. Transfers and Repayments from Credit Cards will be considered as a cash advance.
Please refer to the Fees & Charges for cash advance charges.
You may also schedule future dated and recurring transactions online.
Is there a limit to the amount that I can transfer / repay to my own accounts?
There is a RM20,000 limit per day for immediate and future dated payment to your own accounts.
Is there a limit to the amount that I can transfer / repay to third party's accounts?
The limit for immediate and future dated transactions to third party's accounts are as follow:
- RM10,000 per day for fund transfer
- RM5,000 per transaction for repayments
How will I know if my transaction is successful?
For immediate transactions, you will receive a status of your transaction online upon submitting your
request. If you have scheduled your transaction to a later date, you may check the status of your
instruction through the 'Status' function.
Once the transaction is successful, it will be posted to your account immediately and will be reflected
in your Account Balance(s). For repayments, the transaction will only be reflected in your Consumer
Loan, Hire Purchase/ Car Financing and Credit Card account the next day.
Can I stop or modify my future dated transaction request?
Yes. You may stop your future dated (including recurring) transactions by using the 'Delete Pending'
function. However, you will not be able to modify the repayment instruction. You have to stop the
previous instruction given and create a new repayment instruction.
What happens if I have insufficient fund in my account when a recurring transaction is due?
The transaction will not be completed and you will be notified of the status by secured mail. We advise
you to log in and check your secure messages regularly.
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| 2.8 InterBank GIRO (MEPS IBG) |
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InterBank GIRO (MEPS IBG) allows you to perform Fund Transfer; make Repayment to your Housing Loan,
Hire Purchase / Car Financing and other Consumer Loans; and perform Credit Card Payment to accounts
maintained with the following financial institutions:
| Affin Bank |
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| Alliance Bank |
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| AmBank |
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* MBf and AmBank Credit Card |
| Bank Islam Malaysia |
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| Bank Kerjasama Rakyat |

* only savings account |
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| Bank Muamalat |
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| Bank Simpanan Nasional |

* only savings account |
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| CIMB (Bumiputra Commerce) |
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| EON Bank |
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| Hong Leong Bank |
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| Maybank |
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| Public Bank |
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* require 5-digit Note ID No. |

* require 5-digit Note ID No. |
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| RHB Bank |
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| CIMB (Southern Bank) |
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| Citibank |
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| OCBC Bank |
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| UOB Bank |
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| HSBC Bank |
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* only Islamic loan account |
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| Standard Chartered Bank |
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When will the funds reach the destination account?
| Monday to Friday, before 11.00am |
Next Working Day, 9.00am |
| Monday to Friday, after 11.00am |
2nd Working Day, 9.00am |
| Saturday and Sunday |
Tuesday, 9.00am |
| Public Holidays |
2nd Working Day, 9.00am |
Is there a maximum amount I can transfer?
You may perform InterBank GIRO up to RM5,000 per day.
How can I remit payment for my loans/MBF credit card bills to AmBank/AmIslamic Bank using this new service?
Repayment can be conveniently made via InterBank GIRO (IBG) either through other participating banks'
branches or Internet banking. For list of participating banks, please click
here.
What is the service fee for this repayment method?
The Originating Financial Institution (where the repayment transaction was initiated) reserves the right to charge the customer
performing the transfer, upon execution of the transaction.
For Interbank GIRO (MEPS IBG) Bank Fees imposed by AmBank, please click here.
What types of loans and MBF credit cards are accepted by AmBank/AmIslamic Bank for this method of repayment?
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Consumer Loan products |
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Housing Loan Statutory |
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ii. |
Housing Loan Non Statutory |
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iii. |
Home Loan |
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iv. |
Renovation Loan |
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v. |
Home Free Loan |
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vi. |
Home One Loan |
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vii. |
Tabung Perumahan Ehsan - TPE |
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viii. |
Property Loan |
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ix. |
Personal Loan |
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x. |
Term Loan Unit Trust |
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xi. |
CLS Unit Trust |
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xii. |
Term Loan |
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xiii. |
Club Membership |
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xiv. |
Term Loan Non-Landed |
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xv. |
Housing Loan (ex-MBF) |
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xvi. |
Mortgage Loan (ex-MBF) |
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| (b) |
Hire Purchase products |
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i. |
Hire Purchase Direct |
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ii. |
Hire Purchase Direct (FMF) |
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iii. |
Hire Purchase Direct (MBF) |
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iv. |
Hire Purchase Direct (ABSI) |
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v. |
Hire Purchase Direct Flexi Repayment |
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vi. |
Hire Purchase Direct Aitab |
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vii. |
Hire Purchase Direct (ABRAR) |
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viii. |
Hire Purchase Direct (MBF AITAB) |
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ix. |
Hire Purchase ABS/SPI |
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x. |
Hire Purchase SPI Flexi Repayment |
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| (c) |
MBf credit cards types |
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i. |
MasterCard Platinum |
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ii. |
MasterCard Gold |
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iii. |
MasterCard Classic |
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Visa Platinum |
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Visa Gold |
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vi. |
Visa Classic |
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| (d) |
AmBank Credit Card Types MasterCard |
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MasterCard |
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i. |
Classic & Gold TM Touch |
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ii. |
Classic & Gold Insurance |
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iii. |
Classic & Gold Ringgit Club |
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iv. |
Classic Real Rewards |
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v. |
Classic FIFA Goal |
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vi. |
Classic FIFA PELE |
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vii. |
Smartlink Prepaid |
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viii. |
Siswacare |
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ix. |
Prepaid Card |
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NexG Prepaid |
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xi. |
Business Platinum |
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Visa |
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i. |
Classic & Gold TM Touch |
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ii. |
Classic & Gold Insurance |
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iii. |
Classic & Gold Times Mirror |
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iv. |
Visa Imagine |
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Al-Taslif |
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i. |
Master Card (Classic, Gold and Platinum) |
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ii. |
Visa (Classic, Gold and Platinum) |
After performing the transfer, when will the payment take effect?
AmBank/AmIslamic Bank will process the transaction as follows:
| Monday to Friday |
Before 11am |
The next working day |
| Monday to Friday |
After 11am |
The next 2 working days |
| Saturday, Sunday and Public Holiday |
Anytime |
The next 2 working days |
Note:
1. All repayments are accepted without prejudice.
2. For further details, please call AmBank Contact Centre at 1300 80 8888 (Domestic) or (603) 2178 8888 (Overseas).
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| 2.9 3rd Party Account Maintenance |
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3rd Party Account Maintenance allows you to register your favorite third party accounts (e.g. wife's
account, friend's account) so that you need not key in the account details for subsequent fund transfer.
You can add, edit or delete 3rd party accounts in our 3rd Party Account Maintenance Service.
You need only click on 'Maintenance' and select either '3rd Party Account Maintenance' (to register
accounts within AmBank) or 'InterBank GIRO Account Maintenance'.
How many accounts can I register?
There is no limit for the accounts to be registered.
What is the Nickname as required in the 3rd Party Account Maintenance?
Nickname allows you to assign a favorite name for each account. You can assign maximum 32 characters
(alphanumeric) for each nickname.
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| 2.10 Cheque Services |
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Will there be a charge for my new cheque book reorder?
We will charge RM3.75 stamp duty for a cheque book with 25 pages. If you have chosen for the cheque
book to be sent to you by registered mail, additional postage charges will be imposed. Please refer
to the Fees & Charges for all costs.
Are stop cheques done real-time?
Yes. You will receive a status of your stop cheque request upon submitting your request. There is a
minimum fee for each request. Please refer to our Fees & Charges.
Can I reorder or stop AmCash Management cheques through AmOnline?
This cheque service is only available to AmBank Conventional and Al-Wadiah Current Accounts. Kindly
contact AmInvestment Services Berhad at 03-2032 2888 for more information on AmCash Management cheque
services.
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| 2.11 Secure Messages |
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What is Secure Messages?
This is a service that allows you to send and receive e-mail messages to or from us informing you
issues related to your accounts.
How do I know when I have messages waiting?
Once you have logged in to AmOnline, a message will appear notifying you of any new
messages. When you click on the message link, you will see a list of messages.
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| 2.12 Online Banking Services' Hours |
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| Immediate Fund Transfer |
6.00am - 11.45pm |
| Immediate InterBank GIRO |
6.00am - 11.45pm |
| Immediate Bill Payment |
6.00am - 11.45pm |
| Immediate Credit Card Repayment |
6.00am - 11.45pm |
| Immediate Hire Purchase / Car Financing Repayment |
6.00am - 11.45pm |
| Chequebook Request |
6.00am - 11.45pm |
| Stop Cheque Request |
6.00am - 11.45pm |
| Statement Inquiry |
6.00am - 11.45pm |
| Printed Statement Request |
6.00am - 11.45pm |
| Immediate Consumer Loan Repayment |
6.00am - 9.00pm |
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| 2.13 Multiple Transactions in AmOnline |
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Can I process multiple transactions in AmOnline?
Yes. You can perform multiple transactions with AmOnline Batch Transaction Facility. You are able to make multiple transactions for the following types of transactions.
- Immediate Own Funds Transfer
- Immediate Registered 3rd party Fund Transfer
- Registered Immediate Bill Payment
- Immediate Own Repayment
- Immediate Registered Third Party Repayment
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| 3. Troubleshooting / Technical Information |
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| 3.1 Can I access AmOnline using my laptop or public PCs? |
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You can access AmOnline anywhere as long as your laptop meets the hardware and software
requirements as recommended: A browser (Microsoft Internet Explorer 5.5 or higher and Mozilla Firefox
1.0 or higher) that supports 128-bit SSL encryption. With this, you may access AmOnline anytime anywhere
at your own convenience.
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| 3.2 How can I upgrade my browser to 128-bit SSL encryption? |
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You can go to the following http://windowsupdate.microsoft.com
for the recommended 128-bit SSL. Alternatively, you can go to the following links for:
To download the latest version of Internet Explorer with 128-bit SSL encryption, click here.
To download the latest version of Mozilla Firefox with 128-bit SSL encryption, click here.
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| 3.3 Why does my browser display a 'Security Alert' message every time I access AmOnline? |
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The 'Security Alert' message appears if you have not downloaded the security Certificate. This
security Certificate certifies that AmOnline is a secured website where information
is exchanged in an encrypted format. Click here to find out how you can download the security
Certificate. Otherwise, you may click on the Digicert button located at AmOnline
Login page.
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| 3.4 What screen resolution should I use to view AmOnline? |
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The AmOnline site is best viewed using a screen resolution of 800x600.
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| 3.5 I want to be able to easily return to the AmOnline Website. How do I add this site to my 'bookmarks'? |
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Adding the AmOnline site to your bookmark list is easy.
In Internet Explorer, click on the menu item 'Favorites'. Choose the option 'Add to Favorites' and
then click 'OK' in the confirmation box. The AmOnline page site should now appear in
your list of Favorites.
In Mozilla Firefox, click on the menu item 'Bookmarks' and then choose the option 'Bookmark This Page'
and then click 'OK' in the confirmation box. The AmOnline site should now appear in your
'Bookmarks' list.
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| 3.6 When do I use the 'Reload' or 'Refresh' buttons? |
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Because the Internet is vast, your connection to AmOnline may actually be passing through
a number of points before reaching us. Occasionally, your connection may be passing through a point
that is slowing down your connection. Clicking 'Reload' or 'Refresh' will open a new connection,
which may improve your speed.
You can also use the 'Reload' or 'Refresh' button if you believe the page you are requesting is
incomplete.
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| 3.7 When do I use the 'Back' and 'Forward' buttons? |
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The 'Back' and 'Forward' buttons found on most browsers are a quick and easy way to re-visit pages
you have already viewed during your current Internet session. Your browser 'remembers' where you have
been during you current session and tries to keep that information ready.
Selecting 'Back' allows you to go back one page at a time to view the pages you have already seen
during your current session. Once you have moved back in your current session, selecting 'Forward'
allows you to advance ahead one page at a time to the page you were viewing when you started to go back.
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| 3.8 Why is it important to select 'Logout' when I'm finished using AmOnline or when I walk away from my computer? |
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Once you login to AmOnline service, you have begun an 'active session'. If you walk away
during the course of an active session, someone else can use your computer to perform transactions
involving your accounts. It is similar to walking away from an ATM while your card is still in the
machine.
For your security, AmOnline will automatically end your active session if our server
receives no response from your PC for five minutes. However, to eliminate any exposure, it is always
better for you to end the active session by selecting 'Logout' before you leave your computer.
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| 3.9 Why is it important to select 'Logout' when I'm finished using AmOnline or when I walk away from my computer? |
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Once logged in to AmOnline, our recommended browser version has the ability to communicate
securely by scrambling the information as it passes across the Internet using Secure Socket Layer (SSL).
Once you have logged off, it is best to clear your browser cache memory as your browser stores information
such as image and text on your PC. Clearing your browser cache is to protect your confidential information
from being viewed, especially if you are conducting your online banking using a shared public PC.
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| 4. AmOnline Transaction Authorisation
Code (TAC) |
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| 4.1 Why is Ambank introducing TAC? |
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We constantly maintain best practices in Internet information security to enhance the
safety and security of your online banking transactions at AmOnline. The TAC security procedures
meet with current industry requirements as well as exceed that for online security.
As a responsible organization, we endeavour to implement best practices to ensure that the interest
of customers is protected. TAC offers greater protection for your Internet Banking transactions.
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| 4.2 Why do I require a TAC? |
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TAC is compulsory for specific transactions because it provides an additional level of security to
protect yourself against any unauthorized access to your account.
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| 4.3 Is TAC the same as the Web PIN? |
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No, it is not. Your Web PIN, which is created at AmBank ATM, allows you to activate the "First Time
Login" at AmOnline. TAC is not used for login but for further Authorisation
on specific transactions
and type of activities. TAC is only valid for 24 hours upon request or two hours upon activation or
within the same login session.
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| 4.4 I noticed that Passwo |