iRakyat

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 Offered

ServicesFunctions
My Profile
  • Update user information
  • Change email
  • Change password
  • Change "secure phrase"
  • Daily transaction limit setting
  • Alerts
  • Customers' Feedback
  • Transaction Record:-
    • Successful
    • Failed
    • Cancelled
    • Upcoming
My FavouriteRegister/Selection of Favorite Chosen Account
Account InfoOverview of:
  • Savings Account-i
  • Current Account-i
  • Share Membership
  • Credit cards
  • Debit cards
  • Financing Account-i
  • Pawn Broking-i
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
  • Financing/third-party financing
  • Credit cards and third-party credit cards
Fund Transfer
  • Intrabank
    • Transfer to Own Account (savings / current account)
    • Transfer to Third Party Account (savings/current account)
  • Interbank
    • DuitNow – Instant fund transfer into other bank's savings/current/financing/credit cards using account numbers or proxies (i.e. mobile number, IC number)
    • IBG – Transfer fund into other bank's savings/current/financing/credit cards, in accordance with the timetable set by Paynet.
Scheduled PaymentsScheduling fund transfer/bill payment/repayment/credit cards
Financing
  • Financing details
  • Transactions record
  • Financing repayment
  • Repayment records
  • Qualifications checking
CardATM card cancellation
Credit Card
  • Payment
  • Transaction record
Reload
  • Mobile Phones Prepaid Top Up
  • Value-added Internet access
  • IDD/STD Reload
  • E-Wallet Reload
  • Pay-Per-View Reload
RemittanceOverseas Telegraphic Transfer
Product & Services Details
  • View products and services offered
  • Views about the latest promotions
e-Application
  • Personal Financing
  • Credit Card
  • Saving Account
e-StatusEnabled 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
  • Registration/Maintenance of DuitNow ID
  • Tabung Haji services
  • Information update and Profile Maintenance
  • Register favourite payers/billers
Frequently Asked Question/FAQ     Examples of frequently asked questions related to iRakyat
1PAY
  • Payment Issuance
  • Status Inquiry
  • Guaranteed Payment
  • Stop Payment
Direct DebitDirect Debit Application Status
Other Services
  • Product/service fees and charges inquiries*
  • Rates inquiries
  • ATM Card Cancellation
  • Report the loss/damage of ATM Card
  • Budgeting Tracker
Operating Hours24 Hours

How To Register iRakyat

REGISTRATION WITH TEMPORARY ID

You may register your iRakyat account through the following process:

Step 1: Download the iRakyat Mobile Banking from your respective device's authorised application store (Apple App Store, Google Play Store or HUAWEI AppGallery).

Step 2:  Visit nearby Self-Service Terminal (ATM) or  Call Bank Rakyat Contact Centre at 1-300-80-5454 (Local) or +603-5526 9000 (from Overseas) and request for Temporary ID. 

Note: Below are the steps:

Self-Service Terminal (ATM)

Bank Rakyat Contact Center:

  1.       Insert your Debit Card or Credit Card into ATM machine slot.

  2. Select preferred language.

  3.          Insert your Card PIN Number.

  4.          Select ‘ATM’ from Main Screen. (This applies to customers using Cash Recycle Machine.)

  5.          Select ‘Bank Rakyat’ option from Main Menu listing.

  6.          Select ‘Others’ from sub menu listing.

  7.          Select ‘Internet Banking’ from Main Menu.

  8.          Select ‘Request Temporary ID’ from  menu listing.

  9.          A temporary ID will be displayed on the screen, and the temporary ID will also be sent as an SMS notification to the customer's registered mobile phone number.

1.          Select your preferred Language and Press ‘2’ for Internet Banking.

2.          Press ‘1’ for Individual Customer and Press ‘1’ for First Time Registration.

3.          Our Bank Rakyat Contact Centre will assist you to generate the Temporary ID.

Customer shall receive SMS notification on the Temporary ID request. 

Fees & Charges

ServicesCharge per transaction
Intrabank Fund Transfer

Free

Interbank GIRO (IBG)RM0.09
DuitNow:
  • Pay-to-Account-Number
  • Pay-to-Proxy
 
  • RM0.00 (for transaction RM5,000.00 and below)
  • RM0.50 (for transaction above RM5,000.00)
     
Alert Notification via SMSRM0.20
ItemsChannels
Intrabank Fund TransferInterbank Giro (IBG)DuitNow
Daily transaction limit (RM per day)

3rd party Account: RM30,000

Own Account: No Limit		RM50,000RM50,000 
Future-dated paymentsYesYesYes

Crediting Time

ServicesTransaction TimeReceived by the BeneficiaryRefund Time
Intrabank Fund Transfer

Monday – Friday

ImmediatelyNot Applicable
Non-business days
Interbank GIRO (IBG)Monday-Friday
Before 5:00 amSame day By 11:00 amBy 5:00 pm
5.01 am – 8.00 amSame day By   2:00 pmBy 8:20 pm
8.01 am – 11:00 amSame day By   5:00 pmBy 11:00 pm
11:01 am – 2:00 pmSame day By   8:20 pmBy 11:00 am, next business day
2:01 pm – 5:00 pmSame day By   11:00 am
After 5:00 pmNext business day by 11:00 amBy 5:00 pm, next business day
Non-business days (Saturday, Sunday and Federal Territory Public Holidays)
DuitNowMonday – FridayImmediatelyNot Applicable
Non-business days

FAQs

Click Here to read iRakyat FAQ

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