Frequently Asked Questions

 

 
How much does it cost to use Bank Rakyat Internet banking?
Who can use Bank Rakyat Internet banking?
How secure is the Bank Rakyat Internet Banking?
What do I need before I can register/apply?
What is T-PIN?
Can I use my T-PIN more than one time?
How do I register/apply the iRakyat?
What if I forget my Password?
What if I forget my T-PIN (for First Time Login or Reset Password)?
What if I forget my Internet Banking UserID?
I am having trouble registering for Internet banking services. What should I do?
What are the minimum specifications of hardware and software required to access, use and operate the Bank Rakyat Internet Banking?
Can I use a notebook computer to access Bank Rakyat Internet Banking?
What is the internet browser required to support login to iRakyat?
Can other internet browser like Safari,etc used to login to iRakyat?
Is it compulsory for my computer to be installed with Internet Explorer and Mozilla Firefox for login to iRakyat?
What is the best Internet Explorer or Mozilla Firefox version for iRakyat?
What should I do if my computer did not have the Internet Explorer browser?
Can the computer have two different internet browsers at the same time?
What should I do if my computer has a lower version of Windows and Internet Explorer application?
What should I do if my computer neither has a JAVA nor latest version of Windows and Internet Explorer?
How can I upgrade my browser to 128-bit SSL encryption?
How can I ensure a smooth log in to iRakyat?
What are the different accounts that I can view/access via www.irakyat.com.my?
Can I view my transaction history?
What is the Transaction Ref. No.?
How do I print the acknowledgement screen?
What does the “Select Account” field include?
What is Account Description and what is it used for?
Can I open a new Investment Account via Internet banking?
Can I view my existing Investment Accounts?
Who can I transfer funds to?
What is the “Total Transaction Limit Available”?
Can I register third party accounts?
Who maintains these third party accounts?
Can I schedule future funds transfers?
Who maintains these scheduled future funds transfers?
Can I view the funds transfers I’ve performed so far?
What are the bills that I can pay using Internet banking?
Can I register bill payee accounts?
Who maintains these bill payee accounts?
Can I schedule future bill payments?
Who maintains these scheduled future bill payments?
Can I view the bill payments I’ve performed so far?
Will I be informed if a scheduled funds transfer or bill payment is unsuccessful?
What does Eligibility Check mean? Has my financing application been approved?
Can I change my personal details?
Can I change my address?
Can I change my preferences?
What is Transaction Authorization Code (TAC)?
When is TAC required?
At which point of my transaction will I need to enter TAC?
How do I request for TAC?
How do I register my mobile phone number?
Can I change to another mobile phone number?
Is my mobile number record updated automatically whenever I change my mobile number for TAC usage?
How many mobile phone numbers can I register for TAC?
Which mobile services providers are supported for TAC?
How do I request for TAC if I'm overseas?
What if I don't have any mobile phone?
Do I need TAC each time I login to iRakyat?
When will I receive TAC upon clicking the "TAC Request" while performing transaction?
Does the TAC need to be entered immediately once received?
How many times can I use the same TAC?
Do I have to pay for this service?
I got error message when I entered my TAC as requested.
There was a service interruption/time-out during the transaction.
What happens if I enter a wrong TAC?
Can I request for more than one TAC in a period and use them?
Can I cancel or deactivate TAC once requested?
What if I lost/forgot my TAC?

REGISTRATION

How much does it cost to use iRakyat?

It's free!!!

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Who can use iRakyat?

All customers of Bank Rakyat who have an ATM card linked to his/her Savings account.

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How secure is the iRakyat?

At Bank Rakyat, we are strongly committed to protecting the security and confidentiality of your personal and private information. We apply the latest industry standard of 128-bit SSL (currently the highest level available) for securing data communication between the browser and Bank Rakyat systems. It is used for ensuring transaction privacy, message integrity and server-side authentication using digital certificate technology. Beyond, all passwords are encrypted end-to-end from the browser to Bank Rakyat systems.

As an additional security feature, Bank Rakyat Internet Banking will automatically log you off if you leave your browser idle for more than 5 minutes.

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What do I need before I can register/apply?

  • An ATM card that is linked to your Savings Account. Use this to request for an ATM T-PIN at any of our ATMs.

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What is T-PIN?

T-PIN is a 6 digit numerical code that is required to perform your iRakyat registration and can be obtained via any of ours ATMs.

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Can I use my T-PIN more than once?

Our T-PIN is designed for multi session usage and valid for 24 hours. If you face any problems with your iRakyat registration, you may still keep utilizing the same T-PIN but it must be within the 24 hours from the time of issuance.

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How do I register/apply for iRakyat?

Part 1: T-PIN request

  • Visit the nearest Bank Rakyat ATM.
  • At the ATM, insert your ATM card and key in your ATM PIN. The ATM screen will display the "Please Select The Transaction" screen. Then, select "Others".
  • Select "Internet Banking T-PIN".
  • Enter your preferred 6-digit Temporary Internet T-PIN. Re-enter the number for confirmation. Memorize this number, as it will not be printed on the ATM receipt for security reasons.
  • If your request is successful, you may "Log On to www.irakyat.com.my to complete the registration process". Please contact our Call Centre at 1-300-88-12265 (local) or 603-2117 9000 (overseas) during office hours or e-mail us if you encounter problems in getting your T-PIN.
  • Our operating hours are Monday - Friday : 7.30am - 9.30pm Sunday : 8.30am-5.30pm We are closed on Saturday and Public Holidays.

Part 2: Registration

  • Proceed to a PC (Personal Computer) and visit www.irakyat.com.my.
  • Click on the "First Time Login" link.
  • At the "ATM Card Number" field, please key in your 16-digit ATM card number.
  • At the "PIN Number" field, enter the 6-digit Temporary Internet T-PIN that you selected at the ATM.
  • Enter your preferred Internet Banking UserID and Password.
  • Read the "Terms and Conditions" carefully and click "I Agree".
  • All your banking accounts will be automatically linked to your Internet Banking UserID. You may now view and manage all your banking accounts online.

If you have problems registering, please contact our Call Center at 1300-88-12265 (local) or 603-2117 9000 (oversea) during office hours or e-mail us. Our operating hours are Monday - Friday : 7.30am - 9.30pm Sunday : 8.30am-5.30pm We are closed on Saturday and Public Holidays.

 

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What if I forget my Password?

If you cannot recall your Internet banking password, our system allows up to 3 attempts, after which your account will be blocked.

Step 1: Get a new T-PIN (Refer to part 1 on T-PIN request)

Step 2

  • Proceed to a PC (Personal Computer) and visit www.irakyat.com.my.
  • Click on the "Forgot Password?" link.
  • At the Internet Banking UserID, please enter your UserID.
  • At the "ATM Card Number" field, key in your 16-digit ATM card number.
  • At the "PIN Number" field, enter the 6-digit Temporary Internet T-PIN that you selected at the ATM.
  • Enter your new Internet banking password, and then click “Submit”.
  • Click “Continue” to proceed.

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What if I forget my T-PIN (for First Time Login or Reset Password)?

If you cannot recall or wrongly type your T-PIN, you will not be able to enroll into our Internet Banking service. You are allowed up to 3 attempts, after which your account will be blocked.

  • Use your ATM card and request for T-PIN once again at any Bank Rakyat ATM.
  • Use this new ATM T-PIN and enroll at www.irakyat.com.my.
  • Refer "Part 2 : Registration" to proceed.

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What if I forget my Internet Banking UserID?

Step 1: Get a new T-PIN (refer to Part 1 on T-PIN request)

Step 2:

  • Proceed to a PC (Personal Computer) and visit www.irakyat.com.my.
  • Click on the "Forgot Username?" link.
  • At the "IC No" field, please enter your NRIC Number.
  • At the "ATM Card Number" field, key in your 16-digit ATM card number.
  • At the "PIN Number" field, enter the 6-digit Temporary Internet T-PIN that you selected at the ATM.
  • Then click “Submit”.
  • Click “Continue” to proceed.

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I am having trouble registering for iRakyat services. What should I do?

First, you should check that your PC and connection satisfy all the minimum requirements needed to use our iRakyat service. If you are not sure, please click here . If you are still unable to enroll, Please contact our Call Centre at 1-300-88-12265 (local) or 603-2117 9000 (overseas) during office hours or e-mail us. Our operating hours are Monday - Friday : 7.30am - 9.30pm Sunday : 8.30am-5.30pm We are closed on Saturday and Public Holidays.

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SYSTEM REQUIREMENT

What are the minimum specifications of hardware and software required to access, use and operate the iRakyat?

  • Internet access, and a PC with the following minimum requirements:
    • Microsoft Internet Explorer 5.0x or later with 128-bit SSL Encryption
    • PC (Personal Computer) with at least a Pentium processor (32 MB RAM or higher)
    • SVGA or higher resolution monitor, 256 colors, at a screen resolution of 800x600
    • Modem of 28.8 kbps or higher
    • Microsoft Windows 9x operating system (95 or 98) and above

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Can I use a notebook computer to access iRakyat?

Yes, as long as the notebook meets the recommended specifications.

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What is the internet browser required to support login to iRakyat?

Login to iRakyat can be done via Internet Explorer (IE), Mozilla Firefox, Google Chrome, Opera and Safari.

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Can other internet browser like Safari,etc be used to login to iRakyat?

Yes. The most compatible browser for i-Rakyat is Internet Explorer Version 6.0, Mozilla Firefox Version 2.0, Google Chrome & Safari.

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Is it compulsory for my computer to be installed with Internet Explorer and Mozilla Firefox for login to iRakyat?

Yes. If you are using Google Chrome & Safari you are still able to login to iRakyat as we support these browsers also.

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What is the best Internet Explorer or Mozilla Firefox version for iRakyat?

Internet Explorer Version 6.0, Mozilla Firefox Version 2.0

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What should I do if my computer did not have the Internet Explorer browser?

You may use other browsers such as Mozilla Firefox Version 2.0, Google Chrome & Safari.

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Can the computer have two different internet browsers at the same time?

YES. The computer can have two different internet browsers at the same time, thus you don't need to uninstall the existing browser.

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What should I do if my computer has a lower version of Windows and Internet Explorer application?

Kindly upgrade your current windows version to minimum WindowsXP and Internet Explorer 6.0 and above.

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What should I do if my computer neither has a JAVA nor latest version of Windows and Internet Explorer?

No JAVA application needed in your computer for you to login to iRakyat. You may access iRakyat by using Internet Explorer version 6.0, Mozilla Firefox Version 2.0, Google Chrome & Safari.

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How can I upgrade my browser to 128-bit SSL encryption?

To upgrade your browser to the recommended 128-bit SSL, please go to http://windowsupdate.microsoft.com for download and installation instructions.

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How can I ensure a smooth log in to iRakyat?

For a smooth login to iRakyat, please proceed to perform the following steps:

1.        Enable Cookies


For Internet Explorer 6.0 and above
-Click 'Tools'
-Select 'Internet Options'
-Select 'Privacy' tab
-Select 'Advanced'
-Check 'Override automatic cookie handling'
-Click 'Accept' for 'First Party Cookies' and 'Third Party Cookies'
-Check 'Always allow session cookies'
-Click 'OK'

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GENERAL

What are the different accounts that I can view/access via www.irakyat.com.my?

When you sign up for iRakyat services, the system automatically links all your existing bank accounts with the bank to your online account. If you wish to open a new account with the bank, please approach any of our branch offices. You may refer to our website ( www.irakyat.com.my) for further details of the requirements – e.g. supporting documents, etc – as well as for the complete listing of our branches.

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Can I view my transaction history?

Yes, you can view your transaction history online. To view your Savings and Share Membership Accounts’ transaction histories, click “Account Information” and then “Transaction History”. Select your account from the “Select Account” drop-down menu and specify the period to be viewed, and then click “Submit”. Please note that for Savings Account, you may view the current month and up to the previous 3 months’ statements, whereas for Share Membership Accounts, you may view the current or previous year’s statements. For transaction histories exceeding the said periods, you will have to request for account statements from your branch.

To view your Financing Account’s transaction history, click “Financing” and then “Financing Transaction History”. Select your account from the “Financing Account No.” drop-down menu, specify the year to be viewed, and then click “Submit”. Please note that you may only view the current or previous year’s transaction histories. For transaction histories exceeding the said periods, you will have to request for account statements from your branch.

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What is the Transaction Ref. No.?

The Transaction Reference No. is a reference number for the transaction you have just performed. If you need to make any inquiry on the said transaction, please quote this number.

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How do I print the acknowledgement screen?

Just click on the “Print” icon at the transaction acknowledgement screen.

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What does the “Select Account” field include?

When you click the drop-down menu for “Select Account”, the options will include your “Account No.Account Holder NameAccount Description” for your ease of reference. The Account Description is the description you specified for the said account, for your ease of identification. You may access this feature by clicking “My Profile”, “My Preferences” and then “Account Descriptions”.

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What is Account Description and what is it used for?

Account Description is included in the various drop-down menus for “Select Account” for your ease of identification and reference. You may edit these account descriptions by clicking “My Profile”, “My Preferences” and then “Account Descriptions”. The account description is otherwise defaulted to “My Savings” (for Savings Accounts), “My Investments” (for Investment Accounts), “My Shares” (for Share Membership Accounts), and “My Loans ” (for Financing Accounts).

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INVESTMENT ACCOUNTS

Can I open a new Investment Account via iRakyat?

No, you can’t open a new Investment Account or add on to your investment account via iRakyat. To do so, you will have to approach any of our nearest branches.

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Can I view my existing Investment Accounts?

Yes, you can view your existing Investment Accounts online. Click “Account Information”, and then click the Account No. hyperlink of your Investment Account. The details of the selected Investment Account will be displayed, along with the certificates which are tied to the account. Click the Certificate No. hyperlink to view further details on the selected certificate.

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FUNDS TRANSFERS

Who can I transfer funds to?

You may transfer funds between your own accounts, as well as to third party accounts within Bank Rakyat or to other Financial Institutions which offers MEPS Interbank Giro Services (IBG).

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What is the “Total Transaction Limit Available”?

Separate transaction limits are assigned to the following: -
i)Bill payment (RM5,000 per day)
ii)Interbank Fund Transfer (RM5,000 per day)
iii)Intrabank Fund Transfer (No limit)
iv)Mobile reload (RM500 per day)

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Can I register third party accounts?

Part 1: At the ATM

  • Visit the nearest Bank Rakyat ATM.
  • At the ATM, insert your ATM card and key in your ATM PIN. The ATM screen will display the "Please Select The Transaction" screen. Then, select "Others".
  • Select "Internet Banking Third Party Account Registration".
  • Enter your Third Party Account Number.
  • If your registration has been successful, you will be advised to "Log On to www.irakyat.com.my to complete the registration process". If your registration attempt failed or was incomplete, please contact our Call Centre (tele-RAKYAT) at 1-300-88-12265 (local) or 603-2117 9000 (overseas) or e-mail us. Our operating hours are Monday - Friday : 7.30am - 9.30pm Sunday : 8.30am-5.30pm We are closed on Saturday and Public Holidays.

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Who maintains these third party accounts?

You can maintain these third party accounts – i.e. add, edit or delete third party accounts. Click “Funds Transfer”, and then “Register Third Party A/C”. System displays the third party accounts already registered. Click “Edit” or “Remove” to edit or remove the selected third party account.

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Can I schedule future funds transfers?

Yes, you may schedule future funds transfers – at a future date, or even on a recurring basis. Please select "Schedule Fund Transfer". You will have to specify the start date (i.e. effective from date), and whether these funds transfers should be permanently recurring or otherwise. If it is not permanently recurring, then you will have to specify the expiry date (i.e. end date).

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Who maintains these scheduled future funds transfers?

You maintain these scheduled future funds transfers. Click “Funds Transfer”, “Scheduled Funds Transfer”, and then “Manage Schedules”. System displays the scheduled future funds transfers. Click “Remove” to remove the selected scheduled future funds transfer. Please note that you will only be able to remove it provided that the scheduled job has not commenced yet.

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Can I view the funds transfers I’ve performed so far?

Yes, you can. Click “Funds Transfer”, “Scheduled Funds Transfer”, and then “Funds Transfer History”. You may filter the search by status of transaction (i.e. All, Successful or Failed) and the period for viewing. System displays the historical funds transfer transactions. Each transaction has a Transaction Ref. No, including failed transactions.

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PAYMENT SERVICES

What are the bills that I can pay using iRakyat?

You may pay bills online only to the service providers which are registered with Bank Rakyat. To view the list of registered bill payees, click “Payment Services”, and then “Bill Payments”. Select the “Registered Bill Payee” option and then click "Add" to select the “Bill Payee” drop-down menu. This list contains all the service providers which are registered with Bank Rakyat.

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Can I register bill payee accounts?

Yes, you may register bill payee accounts. You may wish to register this bill payee account if you perform payments to this account often. Click “Payment Services”, and then “Register Bill Payee”. Select the service provider from the “Bill Payee” drop-down menu, key in the bill account number and enter the bill account holder name. If you are uncertain of the bill account number format, click the Information icon () for a sample of it. Click “Confirm” to register this third party account.

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Who maintains these bill payee accounts?

You can maintain these bill payee accounts – i.e. add, edit or delete bill payee accounts. Click “Payment Services”, and then “Register Bill Payee”. System displays the bill payee accounts already registered. Click “Edit” or “Remove” to edit or remove the selected the bill payee account.

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Can I schedule future bill payments?

Yes, you may schedule future bill payments – at a future date, or even on a recurring basis. For the latter, you will have to specify the start date (i.e. effective from date), and whether these bill payments should be permanently recurring or otherwise. If it is not permanently recurring, then you will have to specify the expiry date (i.e. end date).

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Who maintains these scheduled future bill payments?

You maintain these scheduled future bill payments. Click “Payment Services”, “Scheduled Bill Payment”, and then “Manage Schedules”. System displays the scheduled future bill payments. Click “Remove” to remove the selected scheduled future bill payments. Please note that you will only be able to remove it provided that the scheduled job has not commenced yet.

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Can I view the bill payments I’ve performed so far?

Yes, you can. Click “Payment Services”, “Scheduled Bill Payment”, and then “Bill Payments History”. You may filter the search by status of transaction (i.e. All, Successful or Failed) and the period for viewing. System displays the historical bill payment transactions. Each transaction has a Transaction Ref. No, including failed transactions.

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Will I be informed if a scheduled funds transfer or bill payment is unsuccessful?

Yes, you will receive a notification in “My Alerts”. To view your alerts, click “Alert Services” and then “My Alerts”.

You will also be able to view failed scheduled transactions in the historical transactions section. For scheduled funds transfers, click “Funds Transfer”, “Scheduled Funds Transfer”, and then “Funds Transfer History”. For scheduled bill payments, click “Payment Services”, “Scheduled Bill Payment”, and then “Bill Payments History”. Failed transactions will be highlighted in red font and will include a Transaction Ref. No.

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FINANCING ACCOUNTS - ELIGIBILITY CHECK

What does Eligibility Check mean? Has my financing application been approved?

Currently, we do not allow opening of accounts or approval of financing through iRakyat. You will have to approach your branch for the above. The eligibility check serves as an approval-in-principle, whereby the system returns a conditional and provisional result based on the information you provided. It serves to give you an idea of the amount of financing you are eligible for. If you opt to proceed, our branch officer will contact you to proceed with the finance application and processing.

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PERSONALIZATION

Can I change my personal details?

Yes, you can change your personal details – e.g. contact numbers, occupation, etc. Click “My Profile”, “My Particulars”, and then “Change Particulars”.

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Can I change my address?

Yes, you can change your correspondence address. Click “My Profile”, “My Particulars”, and then “Change Address”. You can also specify which of your account(s) this address should be linked to.

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Can I change my preferences?

Yes, you can change your preferences – e.g. Account Descriptions, Salutations, Greetings, Welcome Page, Financial Rates and Favourite Transactions. Click “My Profile”, “My Preferences”, and then click the respective link accordingly.

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TRANSACTION AUTHORIZATION CODE (TAC)

What is Transaction Authorization Code (TAC)?

Transaction Authorisation Code is an 8-character alphanumeric code compulsory to perform specific online transaction through iRakyat.

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When is TAC required?

TAC is required to perform the following transactions:

  • 3rd party account registration
  • Bill payment registration via iRakyat.com

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At which point of my transaction will I need to enter TAC?

You will be prompted to enter TAC after you click “Submit” button upon registering 3rd party account or bill payee.

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How do I request for TAC?

TAC request can only be done through iRakyat. Once you have completed the registration for bill payee or 3rd part account, the system will prompt you to request for TAC. This TAC will be sent via sms to your registered mobile phone number with the Bank.

Note:   Kindly ensure that you have registered your latest handphone number with the Bank to ensure timely receipt of TAC. You may visit our nearest branch to update your handphone number.

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How do I register my mobile phone number?

Registration or changes in phone number may only be effected via Bank Rakyat branch counters only.

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Can I change to another mobile phone number?

Yes, you will be able to do so by following the same steps for mobile phone number registration.

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Is my mobile number record updated automatically whenever I change my mobile number for TAC usage?

Yes, your Bank's record will be automatically updated each time you change the mobile number for TAC usage.

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How many mobile phone numbers can I register for TAC?

You can register only one number at a time.

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Which mobile services providers are supported for TAC?

TAC access is only available to Malaysian registered mobile phones with international roaming service and provides SMS – 012, 017, 019, 013, and 016.

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How do I request for TAC if I’m overseas?

You can request for a TAC at iRakyat and it will be sent to you via SMS. However, you are required to register your mobile number via iRakyat.com before leaving the country.

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What if I don’t have any mobile phone?

You still can perform the 3rd party account(s) registration at ATM and bill payee(s) registration at any Bank Rakyat branches.

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Do I need TAC each time I login to iRakyat?

No, you need not. You will only be required to use your TAC to perform 3rd party account(s) registration and bill payee(s) registration. You can use one TAC to register multiple 3rd party accounts and bills.

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When will I receive TAC upon clicking the “TAC Request” while performing transaction?

It will be sent to you via SMS within a few seconds once requested.

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Does the TAC need to be entered immediately once received?

You will have up to 2 hours to use your TAC upon request. TAC is only valid for each login session and will expire once you logged off from iRakyat.com.

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 How many times can I use the same TAC?

There is no limit for TAC usage within each login session. You can use the same TAC for multiple 3rd party registrations and add bill payee.

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 Do I have to pay for this service?

No, this service is free.

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 I got error message when I entered my TAC as requested.

You may receive an error message for the following reasons:

  • TAC is incorrect or has expired
  • TAC trial has exceeded the maximum three tries
  • Your previous login was denied

To solve this, you need to request for a new TAC.

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There was a service interruption/time-out during the transaction.

You are required to request a new TAC if you are about to make any transactions that requires TAC.

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What happens if I enter a wrong TAC?

A prompt will be displayed and you are required to request for a new TAC. This TAC is to be used within the same session.          

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Can I request for more than one TAC in a period and use them?

Yes, you can but it is not advisable to do so because the latest TAC will override the previous.   

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Can I cancel or deactivate TAC once requested?

No, you cannot. But you can delete the SMS if you wish to.

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What if I lost/forgot my TAC?

You can request for a new TAC via iRakyat.

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