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Online
Banking Services |
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2.1 Which accounts can
I access through AmBank Online Banking?
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
How do I link/unlink my account/card for AmBank Online Banking
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
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 AmBank Online Banking 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
What is Statement
Inquiry?
Statement Inquiry is a service where you can view your periodic
statements online via AmBank Online Banking 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 AmBank Online Banking for
i-AmStar account holders. |
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2.5 Online Application
for AmBank Group Products
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 AmBank Online Banking.
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. If you have any queries, you may contact
our AmBank Contact Centre at 03-2178 8888. |
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2.6 Bill Payment
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 following the steps below
- Go to bill payment
- Select "open payments"
- Select from which account you want to initiate the payment
- Select 'AmInvestment Bank' at the "pay to " column
- Key in your 'Client Code' at the space for 'Bill Account Number'
- Key in your 'Contract' at the space for 'Bill Number'.
- Click submit to proceed
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 AmBank Online Banking?
If you are an eServices client and have performed the Online
Payment Notification before at AmBank Online Banking,
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
• RM5,000 per day for other bills |
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2.7 Fund Transfer and Repayment
What accounts can I make Fund
Transfers and Repayments to?
AmBank Online Banking 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?
There is no limit for immediate and future dated payment to your own accounts.
However, there will be a limit for immediate and future dated transactions to third party's
accounts.The limit is as follow:
• RM5,000 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)
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:
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| Beneficiary
Bank |
Savings/Current
Account |
Loan
Repayment |
Hire
Purchase Repayment |
Credit
Card Payment |
| Local
Bank |
| 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 saving account |
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| Bank
Muamalat |
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| Bank Simpanan Nasional |
* only saving 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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| Foreign
Bank |
| 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?
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| Day
and Time Transaction Performed |
Funds
available by: |
| 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 |
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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 Inter-bank 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?
There is no fee imposed by AmBank/AmIslamic Bank for this service. However, 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.
What types of loans and MBF credit cards are accepted by AmBank/AmIslamic Bank for this method of repayment?
| a) |
Consumer Loan products |
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i. |
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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iv. |
Visa Platinum |
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v. |
Visa Gold |
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vi. |
Visa Classic |
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| d) |
AmBank Credit Card Types |
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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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x. |
NexG Prepaid |
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xi. |
Business Platinum |
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VisaCard |
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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 Card (Classic, Gold and Platinum) |
After performing the transfer, when will the payment take effect?
AmBank/AmIslamic Bank will process the transaction as follows:
| Transaction Day |
Transaction Time |
Funds Availability |
| 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 2178 8888.
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2.9 3rd Party Account Maintenance
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
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 AmBank Online Banking?
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
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 AmBank Online Banking, 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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| Online
Banking Service |
Operating
Hours |
| 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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