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:

Services

  • 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

Locations

  • The Electronic Banking Centre is available at all our branches 24 hours a day

Fees and Charges

PER TRANSACTION CHARGE
CHANNELCATEGORYINTRABANK FUND TRANSFERIBG FUND TRANSFERCROSS FUND TRANSFERINSTANT TRANSFER (IBFT)
i-RakyatIndividualFreeRM0.10  
i-Rakyat CommerceNon-IndividualFreeRM0.10RM2.00 
ATMIndividualFreeFree RM0.50
CounterIndividualFreeRM2.00RM5.00 
Non-IndividualFreeRM2.00RM5.00 
Senior CitizenFreeFreeRM5.00 
DisabledFreeFreeRM5.00 
OTHER CHARGES/FEES
Channeli-Rakyati-Rakyat CommerceCheque Purchase
CategoryIndividualSole Proprietor /
Partnership / SME		Others 
Subscription
Fees		 Free 
Security
Token		 RM110RM110 
Digital
Certificate
Annual Fee		 RM120RM120 
Bulk Payment Intrabank: Free
IBG: RM0.10/ transaction		 
SMS NotificationFree  
Fees  1. Cheque Deposit (Commission):
* Local: Free
* Outstation: 0.03%
(Minimum RM0.50, Maximum RM500)
2. Financing Payment Cheque: RM10
DAILY TRANSACTION LIMIT
CHANNELCATEGORYINTRABANK FUND TRANSFERIBG FUND TRANSFERCROSS FUND TRANSFERiNSTANT TRANSFER (IBFT)TABUNG HAJI
i-RakyatIndividualTo own account: No limitRM5,000   
To third party account
i-Rakyat CommerceNon-IndividualNo limitRM500,000Minimum transaction RM10,000  
ATMIndividualRM10,000 (share with cash withdrawal transaction limit)RM5,000 (share with cash withdrawal transaction limit) RM30,000 (Maximum transfer) 

Free Charges for transaction below RM5,000

RM0.50 charges fee for transaction more than RM5,000.		RM5,000
(for cash withdrawal transaction and fund transfer)
CounterIndividualNo limitRM1 millionMinimum transaction RM10,000  
Non-IndividualNo limitRM1 millionMinimum transaction RM10,000  
CREDITING TIME
 TRANSACTION TIMERECEIVED BY RECIPIENTREFUND TIME
Intrabank Fund TransferMonday – SundayImmediate 
IBG Fund TransferMonday - 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 Transfera) 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 Transfera) Monday - SundayImmediate 


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

*Terms and conditions apply.

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