Channel / i-Rakyat
Internet has certainly revolutionized the banking sector. The advent of this computing platform has allowed banks to open a new, fast and efficient banking channel. Bank Rakyat is honored to deliver i-Rakyat, our internet banking platform. With robust platform and state-of-the-art encryption technology, i-Rakyat provides unprecedented level of convenience. With great features, easy steps and richness in functionalities, i-Rakyat allows you to perform a variety of banking transactions including payment services with ease, anytime and anywhere at your convenience. As this is a very important channel to Bank Rakyat, we are committed to add new banking features as well as payee services for your greater convenience.
Transaction Activity
My Profile
  • Update user information
  • Change email
  • Change password
  • Change "secure phrase"
  • Setup "quick links"
  • Daily transaction limit setting
  • Alerts
  • Customers' Feedback
  • Transaction Record:-
    • Successful
    • Failed
    • Cancelled
    • Upcoming
My Favourite
  • Selection of Favorite Chosen Account
Check Balance
  • Savings account
  • Current account
  • Member's share
  • Credit cards
  • Debit cards
  • Financing Account
  • Pawn Broking
Review/Print Statement
  • Savings account
  • Member's share
Payment Service
  • Bill Payment
  • Utility Bills (TNB/ASTRO, etc.)
  • Assessment/Tax (LHDN, City Council, etc.)
  • Zakat (all states.)
  • Donation (AmanPalestin, Islamic Relief Malaysia, etc.)
  • Telecommunication (CELCOM, DiGi, etc.)
  • Top Up (Prepaid)
  • Deposit Service
  • Takaful
  • Financing Repayment
  • Education Loan Repayment (PTPTN, MARA, PTPK, Yayasan Sarawak, etc.)
  • Payment history‚Äč
  • Financing/third-party financing
  • Credit cards and third-party credit cards
  • JomPAY
Fund Transfer
  • Intrabank

i) Transfer fund into own savings/current account.
ii) Transfer fund into third parties savings/current account.

  • Interbank
    • a. IBG
      • Transfer fund into other bank's savings/current account/finance/credit cards, in accordance with the timetable set by the My Clear.
    • b. Instant Transfer(IBFT)
      • i) Immediately transfer fund into other bank's savings/ current account/finance/credit cards.
  • Funds transfer records
  • Scheduled Fund Transfer (first and third party)
Scheduled Payments
  • Scheduling fund transfer/bill payment/repayment/credit cards
  • Financing details
  • Transactions record
  • Financing repayment
  • Repayment records
  • Qualifications checking
  • Scheduled Financing payments
  • ATM card cancellation
Credit Card
  • Payment
  • Transaction record
  • Mobile Phones Prepaid Top Up
  • Value-added Internet access
  • IDD/STD Reload
  • Overseas telegraphic transfer
  • Draft Purchase requests
Product & Services Details
  • View products and services offered
  • Views about the latest promotions
  • Electronic statements registration for credit card account
  • Personal Financing
  • Credit Card
  • Saving Account
  • Enabled iRakyat customers to monitor their financing application status from day one of submission till approval is given.
Transaction Authorisation Code (TAC)
  • Third-party account registration/bill payment/prepaid top up
  • Fund transfer transaction/payment/reload
Frequently Asked Question/FAQ      Examples of frequently asked questions related to iRakyat
User Guide Step by step guide on using iRakyat
Customer Services
  • Product/service fees and charges inquiries*
  • Rates inquiries
  • ATM Card Cancellation
  • Report the loss/damage of ATM Card
  • Budgeting Tracker

Registration with card

Step 1

  • Log on to
  • Select First Time Registration. 
  • Select ATM/Debit/Credit Card icon. 
  • Provide the information required. 
  • Read & accept the Terms & Conditions

Step 2

  • Registration completed. You may now start using your i-Rakyat.

Registration without card (temporary ID)

Step 1

  • Call Bank Rakyat Contact Centre at 1-300-80-5454 (Local) or +603- 5526 9000 (from Overseas) & request for Temporary ID. 
  • Log on to 
  • Select First Time Registration. 
  • Select Temporary ID
  • Provide the information required & follow the required procedures.
i-Rakyat is an easy and safe banking channel. To ensure you are able to maximize all the benefits, you are advised to read i-Rakyat Internet Security Guidelines.
(Click here to read iRakyat Internet Security Guidelines.)
Services Transaction Charge
Intrabank Fund Transfer

RM per transaction


Interbank GIRO (IBG) RM0.10*
Instant Transfer (IBFT) RM0.50
RENTAS Not Offering
SMS Notification RM0.21
Items Channels
Intrabank Fund Transfer Interbank Giro (IBG) Instant Transfer (IBFT) RENTAS
Daily transaction limit (RM per day)

3rd party Account: RM10,000

Own Account: No Limit
RM50,000 (combined limit with IBFT) RM50,000 (combined limit with IBG)

Not Offering

Payment References 
Availability of payee's name and transaction in beneficiaries' bank statement. Not Offering Yes Not Offering Not Offering
Availability of beneficiaries' names and payment references in payers' bank statement Not Offering No Not Offering Not Offering
Future-dated payments Yes Yes Yes -
Operating Hours 24hrs 24hrs 24hrs Not Offering

*6% GST will be absorbed by Bank Rakyat.
The stated charges are inclusive of 6% GST if any.

Services Transaction Time Received by the Beneficiary Refund Time
Intrabank Fund Transfer

Monday – Friday

Immediately Not Applicable
Non-business days
Interbank GIRO (IBG) Monday-Friday
Before 5:00 am Same day By 11:00 am By 5:00 pm
5.01 am – 8.00 am Same day By   2:00 pm By 8:20 pm
8.01 am – 11:00 am Same day By   5:00 pm By 11:00 pm
11:01 am – 2:00 pm Same day By   8:20 pm By 11:00 am, next business day
2:01 pm – 5:00 pm Same day By   11:00 am
After 5:00 pm Next business day By 11:00 am By 5:00 pm
Non-business days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11:00 am By 5:00 pm
Instant Transfer (IBFT) Monday – Friday Not offering Not offering
Non-business days
RENTAS Monday – Friday Immediately 8 am – 6 pm business day
Non-business days Not offering
The published rates, fees and charges are effective from 1st April 2019 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.