e-Rakyat Electronic Banking Centre
Channel
e-Rakyat Electronic Banking Centre
The Electronic Banking Centre, also known as e-Rakyat, provides ATMs, cash/cheque deposit machines and self-service facilities for financing repayments and local bill payments. The services offered are as follows:
Services
- Savings account transactions:
- Cash withdrawals/transfers (maximum RM5,000)
- Cash deposits
- Balance enquiries
- Cash transfers (maximum RM5,000)
- Cash withdrawals/transfers (maximum RM5,000)
- Payment for all types of Bank Rakyat financing
- Tabung Haji transactions
- Local bill payments
- Pre-paid top-ups
- And many more
Locations
- The Electronic Banking Centre is available at all our branches 24 hours a day
Fees and Charges
| PER TRANSACTION CHARGE | |||||
|---|---|---|---|---|---|
| CHANNEL | CATEGORY | INTRABANK FUND TRANSFER | IBG FUND TRANSFER | CROSS FUND TRANSFER | INSTANT TRANSFER (IBFT) |
| i-Rakyat | Individual | Free | RM0.10 | ||
| i-Rakyat Commerce | Non-Individual | Free | RM0.10 | RM2.00 | |
| ATM | Individual | Free | Free | RM0.50 | |
| Counter | Individual | Free | RM2.00 | RM5.00 | |
| Non-Individual | Free | RM2.00 | RM5.00 | ||
| Senior Citizen | Free | Free | RM5.00 | ||
| Disabled | Free | Free | RM5.00 | ||
| OTHER CHARGES/FEES | ||||
|---|---|---|---|---|
| Channel | i-Rakyat | i-Rakyat Commerce | Cheque Purchase | |
| Category | Individual | Sole Proprietor / Partnership / SME | Others | |
| Subscription Fees | Free | |||
| Security Token | RM110 | RM110 | ||
| Digital Certificate Annual Fee | RM120 | RM120 | ||
| Bulk Payment | Intrabank: Free IBG: RM0.10/ transaction | |||
| SMS Notification | Free | |||
| Fees | 1. Cheque Deposit (Commission): * Local: Free * Outstation: 0.03% (Minimum RM0.50, Maximum RM500) 2. Financing Payment Cheque: RM10 | |||
| DAILY TRANSACTION LIMIT | ||||||
|---|---|---|---|---|---|---|
| CHANNEL | CATEGORY | INTRABANK FUND TRANSFER | IBG FUND TRANSFER | CROSS FUND TRANSFER | iNSTANT TRANSFER (IBFT) | TABUNG HAJI |
| i-Rakyat | Individual | To own account: No limit | RM5,000 | |||
| To third party account | ||||||
| i-Rakyat Commerce | Non-Individual | No limit | RM500,000 | Minimum transaction RM10,000 | ||
| ATM | Individual | RM10,000 (share with cash withdrawal transaction limit) | RM5,000 (share with cash withdrawal transaction limit) | RM30,000 (Maximum transfer) Free Charges for transaction below RM5,000 RM0.50 charges fee for transaction more than RM5,000. | RM5,000 (for cash withdrawal transaction and fund transfer) | |
| Counter | Individual | No limit | RM1 million | Minimum transaction RM10,000 | ||
| Non-Individual | No limit | RM1 million | Minimum transaction RM10,000 | |||
| CREDITING TIME | |||
|---|---|---|---|
| TRANSACTION TIME | RECEIVED BY RECIPIENT | REFUND TIME | |
| Intrabank Fund Transfer | Monday – Sunday | Immediate | |
| IBG Fund Transfer | Monday - Friday: a) Before 5 am b) 5.00 - 7.00 am c) 7.01 - 9.30 am d) 9.31 am - 12.30 pm e) After 12.30 pm f) Weekend / Public Holiday | A - D: Same day E & F: Next working day | RM500,000 |
| Cross Fund Transfer | a) Monday - Friday b) Weekend / Public Holiday | A : Same day B : Closed | * 8 am - 6 pm (working day). * Channels involved: i-Rakyat Commerce & Counter |
| IBFT Fund Transfer | a) Monday - Sunday | Immediate | |
For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.
*Terms and conditions apply.
