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FINANCIAL TOOLS
FEES & CHARGES
Savings Account – Conventional and Skim Perbankan Islam
Safe Deposit Box
Current Account - Conventional and Skim Perbankan Islam
Electronic Share Application
Cheque Writing Facility
ATM
Fixed Deposit/General Investment Account
CDM
Remittance Instruments
Credit Card
Autopay
Hire Purchase
SME Loans
Housing Loan & Property Loan

Deposit Product Charges
Savings Account - Conventional and Skim Perbankan Islam
Type of Charges Charge (RM)
Replacement for lost passbook
15.00
Account Closure (within 3 months of opening)
20.00
Inter branch transaction (cash and cheque transactions performed outside Home Branch's clearing area)
0.03% of transaction amount (minimum of RM0.50 and maximum of RM500)
Statement Request from ATM:
Basic Savings Account (conventional)
Free
Other savings accounts
Free
Withholding tax 5%
Current Account - Conventional and Skim Perbankan Islam
Type of Charges Charge (RM)
Account Closure (within 3 months of opening)
20.00
Stop Payment Instruction
10.00

Returned cheque :

  • Technical reason
  • Insufficient balance
  • Stop payment instruction

 

10.00
100.00
10.00

Half yearly service charge, if average balance less than RM1000
10.00
Duplicate Statement/Ad–hoc Statement Request:
Basic Current Account (conventional)
Free
Current Account-i
20.00
Inter branch transaction (cash and cheque transactions performed outside Home Branch's clearing area)
0.03% of transaction amount (minimum of RM0.50 and maximum of RM500)
Encashment by 3rd parties
2.00
Encashment by account holder Free
Charges on overdrawn Current Account
( Due to insufficient fund and covered before the cut-off time for return cheque)
25.00 per cheque
Chequebook
0.15 stamp duty per chque leaf (Exempted for government bodies, schools and co-op societies).

Uncollected Chequebook
(Cheque book uncollected after 30 days of cheque book issuance)

10.00 per chequebook
Cheque Writing Facility
Type of Charges Charge (RM)
Account Closure (within 3 months of opening)
20.00
Stop Payment Instruction
10.00

Returned cheque :

  • Technical reason
  • Insufficient balance
  • Stop payment instruction

 

10.00
100.00
10.00

Withholding Tax on Interest bearing Account
5%
Monthly service charge:
AmStar
Average balance < RM2000 – RM5.00
 
Average balance > RM2000 – no charge
i-AmStar
Average balance < RM500 – RM5.00
Duplicate statement
20.00
Inter branch transaction (cash and cheque transactions performed outside Home Branch's clearing area)
0.03% of transaction amount (minimum of RM0.50 and maximum of RM500)
Encashment by 3rd parties 2.00
Encashment by account holder Free
Charges on Overdrawn Current Account
( Due to insufficient fund and covered before the cut-off time for return cheque)
25.00 per cheque
Chequebook
0.15 stamp duty per cheque leaf (Exempted for government bodies, schools and co-op societies).

Uncollected Chequebook
(Cheque book uncollected after 30 days of cheque book issuance)

10.00 per chequebook
Fixed Deposit/General Investment Account
Type of Charges Charge (RM)
Replacement for lost FD receipt
5.00
Adhoc statement request 5.00 per request
Remittance Instruments
Type of Charges Charge (RM)
Ordinary Cashier's Order
i. Issuance  
Application by debiting of account
(Note: For Current Account, the account holder must issue house cheque)
Commission - RM2.00
Stamp duty - RM0.15
  For CMA account holder
Commission - free
Stamp duty - free
Application by cash Commission - RM5.00
Stamp duty - RM0.15
ii. Cancellation (with original CO) 2.00 per CO
iii. Cancellation (without original CO) 5.00 per CO
Share Application Cashier's Order
i. Issuance Commission - RM2.00
Stamp duty - RM0.15
Application by debiting of loan account i.e. SMART and Flexiloan Commission - free
Stamp duty - free
ii. Cancellation (with original CO) 2.00 per CO
iii. Cancellation (without original CO) 5.00 per CO
Demand Draft (in Local Currency)
Issuance 0.03% on the amount (minimum of RM0.50 and maximum of RM500)

Cancellation
i. With DD
ii. Without DD


2.00 per DD  
5.00 per DD
Demand Draft (in Foreign Currency)

Issuance

 

2.00
No charge if remittance amount exceeds equivalent of RM5,000
Unpresented Foreign Demand Draft (Foreign DD)
Foreign Demand Draft purchased by the customer which is not presented by the Payee for more than 2 years from the date of issuance.
30.00 - Investigation charges inclusive of handling fees
Travellers Cheque (TC):
Sale of TC
Commission 1% of the sales amount
Stamp duty 0.15
Encashment of TC
Commission 3.00 per transaction
Stamp duty 0.15 (if stamp duty unpaid)
Postage 2.00
Repurchase of TC
Commission -
Stamp duty 0.15 (if stamp duty unpaid)
Postage 2.00
Telegraphic Transfer (payable in Malaysia)
Commission (on transfer to different clearing area) 0.03% on the amount (minimum of RM0.50 and maximum of RM500)
Cable charges 5.00 per instruction
Telegraphic Transfer (payable in Foreign Currency)
Commission 2.00
No charges if remittance amount exceeds equivalent of RM5,000
Cable charges/processing fee Cost of wire differs between countries:
- Singapore : RM10.00
- Thailand : RM15.00
- Others : RM25.00
Foreign Cheque for Collection
Commission 0.1% flat (minimum RM5.00 and maximum RM100.00)
Foreign Worker Remittance (Service available at selected branches only and caters for remittance in IDR to Indonesia)
Service Charge 15.00 per application

Rejected application
( Due to transaction rejected by Agent Bank)

5.00 per application
Standing Instruction
Application 10.00
Service charge to effect payment 2.00 (plus cost of instrument and postage)
Reminder (if insufficient funds in account at time of debiting) 5.00
Interbank GIRO
Over-the-counter transactions originating from individual BSA/BCA accounts 0.50
Over-the-counter transactions originating from other accounts 2.00
Autopay
Type of Charges Charge (RM)
System crediting
1.00 per account
Manual crediting 1.50 per account
Safe Deposit Box
Type of Charges Charge (RM)
Annual Rental :  
3” x 5” x 24" (at selected branch only) 75.00
5 ” x 5” x 24" 95.00
3” x 10 ” x 24" 110.00
5 ” x 10 ” x 24" 135.00
10 ” x 10 ” x 24" (at selected branch only) 170.00
Loss of key (1 or 2 keys)
150.00
Electronic Share Application
Type of Charges Charge (RM)
Electronic Share Application Free
ATM
Type of Charges Charge (RM)
Issuance of PMPC
Free
Annual PMPC Free
Replacement of PMPC card 12.00
Reimbursement of MEPS cash fund (e-Purse) Free
Cash withdrawal at other FI ATM 1.00
Loading of MEPS e-Purse 1.00
CDM
Type of Charges Charge (RM)
Touch n Go Reload
RM1.00
Credit Card
Annual Fee
Card Type Principal Supplementary
Conventional Gold (MasterCard/VISA) RM150 FREE (Up to 3 cards)
Conventional Classic (MasterCard/VISA) RM75 FREE (Up to 3 cards)
Al-Taslif Gold (MasterCard/VISA) RM150 FREE (Up to 3 cards)
Al-Taslif Classic (MasterCard/VISA) RM75 FREE (Up to 3 cards)
AmBank-RealRewards (MasterCard) RM90 RM45
Finance Charges
Conventional Cards 18% p.a. of the outstanding amount calculated on a daily basis
Al-Taslif Cards 15% p.a. of the outstanding amount calculated on a daily basis
Cash Advance Fees
Conventional Cards 5% of the amount advanced or a minimum of RM50, whichever is higher.
Al-Taslif Cards RM50 per transaction
AmProtector Plus
Conventional Cards RM0.60 per RM100 of outstanding amount
AmProtector
Al-Taslif Cards RM0.03 per RM100 of outstanding amount
Minimum Monthly Payment
5% of outstanding balance or a minimum of RM50, whichever is higher

Late Payment Charge for Conventional / Compensation Fee for Al-Taslif

Conventional Cards The late payment charge is 1% of the minimum repayment amount due or a minimum of RM5, whichever is higher.
Al-Taslif Cards 1% per month will be charged subject to a minimum of RM5 or maximum of RM12 per card whichever is higher if cardmember fails to make the minimum payment due by the payment due date stated in the card statement.
Interest Free Period / Profit Free Period
20 days from the date of the monthly billing statement and only applicable for retail purchases.
Conversion of overseas transactions
The conversion rate is as determined by VISA International or MasterCard International with an administration cost of 1%
Over Limit Fee
The over limit fee is up to 2% of the amount above credit limit or a minimum of RM50, whichever is higher.
Card Replacement Fee
Replacement card fee is at RM25 per card.
Dishonored Cheque Administrative Charge
An administrative charge of RM100 will be levied to your account.
Card Conversion Fee
A RM50 will be levied for each card type change request.
Courier Fee for Card Replacement
If cardmember requests for courier of card for replacement cards, a courier fee of RM5.00 per card will be imposed.
Sales draft retrieval
RM20.00 per copy
Monthly statement retrieval
RM20.00 per statement
Hire Purchase
Road tax renewal Charges (Inclusive of delivery charges)
Category
AMAB CN
Other Insurance CN
Home Br
-
RM10
Inter Br
-
RM20
Issuance of Release Letter
  • Home Branch
  • Inter Branch



No Charge
RM30.00

Service charge for duplicate road tax disc RM20.00
Duplicate of Release Letter RM30.00
Audit Confirmation RM20.00 per request
Photocopy of Hire Purchase Agreement and Guarantee Agreement RM20.00 per document
Letter of Consent for:
  • Interchange engine number
  • Interchange registration number
  • Duplicate registration card
RM20.00 per letter
Courier charges for duplicate road tax/Release Letter RM10.00
* Service charge for JPJ transfer RM50.00
* Tariff of charges applies to services provided by branches in Wilayah Persekutuan Kuala Lumpur and Selangor only and are subject to any changes and variation. For branches located in other states, please contact the AmBank branch nearest to you for details.
Housing Loan & Property Loan
Copy of Title Deed RM20 for first document. Subsequent documents RM10.00
Composite Loan Agreement and Assignment (CLAA) RM20 for first document. Subsequent documents RM10.00
Sales and Purchase Agreement (SPA) RM20 for first document. Subsequent documents RM10.00
Housing loan redemption fee RM100.00
Audit Confirmation RM20.00 per request
Photocopy of loan documents RM20.00 per document
Additional request for statement of account RM20.00 per statement cycle
Housing loan daily rest (redraw facility) RM10 administrative fee for each withdrawal
  RM500 per month should balance outstanding fall below 10% of Schedule Principal
Re-execution fees RM100 per account
Processing Fees – housing loan Processing fee scale (based on loan size)
  Below RM25,000 – Nil
  RM25,000 to RM30,000 – RM50
  RM30,001 to RM100,000 – RM100
  Above RM100,000 – RM200
SME Loans
Type of Charges Charge (RM)
Restructuring fee 1% of loan amount
Reschedulement fee 1% of loan amount
Letter of Undertaking / Disclaimer Letter

1st request - Free
Subsequent request (s) - RM50 per letter

Redemption Statement RM100 per redemption statement
Participation fee (applicable for Syndication Loan) 0.5% of loan amount
Commitment fee (applicable for Fixed Loans, Overdraft and Revolving Credit) 1% of unutilised amount
Handling charges (applicable on properties not end-financed by AmBank) RM300 per unit
Acceptance of partial redemption for project financing RM1,500 per month
Re-execution of documents (e.g. Form 16N, Form 42) RM100 per request
 
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AmBank Contact Centre
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Domestic
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