Products

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:
  • Savings account transactions:
    • Cash withdrawals/transfers (maximum RM5,000)
    • Cash deposits
    • Balance enquiries
    • Cash 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
  • The Electronic Banking Centre is available at all our branches 24 hours a day
PER TRANSACTION CHARGE
CHANNEL CATEGORY INTRABANK FUND TRANSFER IBG FUND TRANSFER CROSS FUND TRANSFER IBFT FUND TRANSFER
i-Rakyat Individual Free RM0.10    
i-Rakyat Commerce Non-Individual Free RM0.10 RM2.00  
ATM Individual Free RM0.30   RM1.00
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 IBFT FUND TRANSFER 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 RM5,000 (share with cash withdrawal transaction limit) RM5,000 (share with cash withdrawal transaction limit)   RM5,000 (share with cash withdrawal transaction limit) 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  
The published rates, fees and charges are effective from 1st November 2018 following the implementation of 6% SST from 1st September 2018. Terms & conditions apply.

For any enquiries, please visit the nearest branch or call our Contact Centre tele-Rakyat at 1-300-80-5454.

*Terms and conditions apply.