Services
Channel
/
iRakyat
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 iRakyat, our internet banking platform. With robust platform and state-of-the-art encryption technology, iRakyat provides unprecedented level of convenience. With great features, easy steps and richness in functionalities, iRakyat 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.
| Services | Functions |
|---|---|
| My Profile |
|
| My Favourite | Register/Selection of Favorite Chosen Account |
| Account Info |
Overview of:
|
| Payment Service |
|
| Fund Transfer |
|
| Scheduled Payments | Scheduling fund transfer/bill payment/repayment/credit cards |
| Financing |
|
| Card | ATM card cancellation |
| Credit Card |
|
| Reload |
|
| Remittance | Overseas Telegraphic Transfer |
| Product & Services Details |
|
| e-Application |
|
| e-Status | Enabled iRakyat customers to monitor their financing application status from day one of submission till approval is given. |
| Transaction Authorisation Code (TAC) |
|
| Frequently Asked Question/FAQ | Examples of frequently asked questions related to iRakyat |
| 1PAY |
|
| Direct Debit | Direct Debit Application Status |
| Other Services |
|
| Operating Hours | 24 Hours |
Registration with card
Step 1
- Log on to www.irakyat.com.my
- 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 iRakyat.
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 www.irakyat.com.my
- Select First Time Registration.
- Select Temporary ID
- Provide the information required & follow the required procedures.
| Services | Charge per transaction |
|---|---|
| Intrabank Fund Transfer |
Free |
| Interbank GIRO (IBG) | RM0.10 |
DuitNow:
|
|
| Alert Notification via SMS | RM0.20 |
| Items | Channels | |||
|---|---|---|---|---|
| Intrabank Fund Transfer | Interbank Giro (IBG) | DuitNow | ||
| Daily transaction limit (RM per day) |
3rd party Account: RM30,000 Own Account: No Limit |
RM50,000 | RM50,000 | |
| Future-dated payments | Yes | Yes | Yes | |
| 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, next business day | |
| Non-business days (Saturday, Sunday and Federal Territory Public Holidays) | |||
| DuitNow | Monday – Friday | Immediately | Not Applicable |
| Non-business days | |||