Disclosure Requirements for E-Payment Fees and Charges | CIMB

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IMPORTANT NOTICE:

We no longer accept new applications for CIMB Platinum BusinessCard. You can now apply for the new CIMB SME BusinessCard and enjoy great benefits with your card!

CIMB SME BusinessCard

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Intrabank Funds Transfer

Items	Channels
Items	Internet Banking	Mobile Banking	ATM	Over the Counter (OTC)
Fees & Charges (RM per transaction)
1. Sole-proprietors, partnership and SME¹	No charges	No charges	No charges (Applicable for sole proprietors only)	5.00 (via letter of instruction)
2. Other corporates	No charges	No charges	Not offering	5.00 (via letter of instruction)
Daily Transaction Limit (RM per day)
1. Sole proprietors, partnership and SME¹	- Up to RM100,000 for LITE Package of BizChannel@CIMB - No limit for Standard & Customised Packages of BizChannel@CIMB		RM5,000 combined limit with IBFT (Applicable for sole proprietors only)	No limit
2. Other corporates	No limit		Not offering	No limit
Payment Reference
1. Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement	Yes	Yes	No	N/A
2. Availability of beneficiaries' names and payment references in payers' bank statement	Yes	Yes	No	N/A
Operating Hours	7.00am - 11.30pm	7.00am - 11.30pm	24 hours (Maintenance time: 11.55pm until 12.10am)	CIMB Branches: 9.15am - 4.30pm (Mon - Thurs) 9.15am - 4.00pm (Fri) CIMB Branches in Kelantan and Terengganu: 9.15am - 4.30pm (Sun - Wed) 9.15am - 4.00pm (Thurs)
Crediting Time	For all channels
Monday - Friday Non-Business Days	Immediate Immediate
Refund Time	Real time if account number is valid

¹For manufacturing sector, sales turnover not exceeding RM50mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20mil or full-time employees not exceeding 75 workers.

Interbank GIRO (IBG)

Items	Channels
Items	Internet Banking	Mobile Banking	ATM	Over the Counter (OTC)
Fees & Charges (RM per transaction)
1. Sole proprietors, partnership and SME¹	0.10	0.10	0.10	2.00
2. Other corporates	0.10	0.10	Not offering	2.00
Daily Transaction Limit (RM per day)
1. Sole-proprietors, partnership and SME¹	- Up to RM 100,000 for LITE package of BizChannel@CIMB - No limit for Standard & Customised Packages of BizChannel@CIMB		RM10,000 (Applicable for sole proprietors only)	No limit
2. Other corporates	No limit	No limit	Not offering	No limit
Payment Reference
1. Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement	Yes	Yes	Yes	N/A
2. Availability of beneficiaries' names and payment references in payers' bank statement	Yes	Yes	No	N/A
Future-dated Payments	Yes	Yes	No	No
Operating Hours	7.00am - 11.30pm	7.00am - 11.30pm	24 hours (Maintenance time: 11.55pm until 12.10am)	CIMB Branches: 9.15am - 4.30pm (Mon - Thurs) 9.15am - 4.00pm (Fri) CIMB Branches in Kelantan and Terengganu: 9.15am - 4.30pm (Sun - Wed) 9.15am - 4.00pm (Thurs)

¹For manufacturing sector, sales turnover not exceeding RM50mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20mil or full-time employees not exceeding 75 workers.

Interbank GIRO (IBG) Schedule

Payment Initiated by Customers		*Funds Received by Beneficiaries	*Refund for Unsuccessful Transactions
Business Days (Monday to Friday)	Before 5.00am	By 11.00am	By 5.00pm
	5.01am – 8.00 am	By 2.00pm	By 8.20pm
	8.01am – 11.00am	By 5.00pm	By 11.00pm
	11.01am – 2.00pm	By 8.20pm	By 11.00am, next business day
	2.01pm – 5.00pm	By 11.00pm	By 11.00am, next business day
	After 5.00pm	By 11.00am, next business day	By 5.00pm, next business day
Non-Business Days (Saturday, Sunday, Federal Territory Public Holidays)		By 11.00am, next business day	By 5.00pm, next business day

*Under normal circumstances

1. Applicable for all IBG payments and fund transfers to current accounts & savings accounts / loan and credit card payments.

2. IBG will be charged 10 sen per transaction. The maximum limit for IBG fund transfers is RM 1,000,000 per transaction.

Note:
This list is only a guide; CIMB is not responsible for any changes made by participating banks.

Rentas

Items	Channels
Items	Online Banking	Mobile Banking	Over-the-counter (OTC)
Fees & Charges (RM per transaction)
1. Sole-proprietors, partnership and SME¹ 2. Other corporates	RM2.00	RM2.00	RM5.00
Payment Reference
1. Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement.	Yes	Yes	N/A
2. Availability of beneficiaries' names and payment references in payers' bank statement	Yes	Yes	N/A
Operating Hours	7.00am - 11.30pm	7.00am - 11.30pm	CIMB Branches: 9.15am - 4.30pm (Mon - Thurs) 9.15am - 4.00pm (Fri) CIMB Branches in Kelantan and Terengganu: 9.15am - 4.30pm (Sun - Wed) 9.15am - 4.00pm (Thurs)
Crediting Time	For over-the-counter (OTC) only
Monday - Friday Non-Business Days	Same day - cut off time before 3.30pm Not available
Refund Time	Same day

Other related fees / charges for online banking (internet and mobile banking)

Items	Sole-proprietors, Partnership and SME¹	Other Corporates
Payment Reference
1. Maintenance / Subscription Fee	RM0 for LITE Package of BizChannel@CIMB RM20.00 per user per month for Standard/Customised Packages of BizChannel@CIMB	RM20.00 per user per month for Standard/Customised Packages of BizChannel@CIMB
2. BizChannel@CIMB Mobile Token	No charge	No Charge
3. Annual Digital Certificates	Not applicable	Not applicable
4. Salary Payment / Payroll via: - Intrabank Funds Transfer - IBG - Rentas	RM0.10 per transaction RM0.10 per transaction RM2.00 per transaction	RM0.10 per transaction RM0.10 per transaction RM2.00 per transaction
5. Notification / SMS	No charges	No charges
6. Training	No charges	RM265.00 per company
7. Stop Payment Instruction on Bulk Payment	RM10.00 per instruction	RM10.00 per instruction
Incentives and Packages	BizChannel@CIMB Campaign - waived subscription fees subject to minimum monthly average balance met

¹For manufacturing sector, sales turnover not exceeding RM50mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20mil or full-time employees not exceeding 75 workers.

All fees and charges are subject to GST, if applicable.

DuitNow

Items	Channels
Items	Internet Banking	Mobile Banking	ATM	Over the Counter (OTC)
Fees & Charges (RM per transaction)
1. Sole-proprietors, partnership and SME¹	Waived	Not offering	Not offering	Not offering
2. Other corporates	Waived	Not offering	Not offering	Not offering
Daily Transaction Limit (RM per transaction)
1. Sole-proprietors, partnership and SME¹	- Up to RM100,000 (per day) for LITE package of BizChannel@CIMB - Up to RM10,000,000.00 for Standard & Customised Packages of BizChannel@CIMB	N/A	N/A	N/A
2. Other corporates	Up to RM10,000,000.00	N/A	N/A	N/A
Payment Reference
1. Availability of payers' names and payment references in beneficiaries' bank statement payment references in payers' bank statement	Yes	N/A	N/A	N/A
2. Availability of beneficiaries' names and payment references in payers' bank statement	Yes	N/A	N/A	N/A
Future-dated Payments	Not offering	N/A	N/A	N/A
Operating Hours	24 hours x 7 days	N/A	N/A	N/A

¹For manufacturing sector, sales turnover not exceeding RM50mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20mil or full-time employees not exceeding 75 workers.

Cheque and Current Account Services

Items	Charges (RM)	Effective Date
Fee per cheque issued	RM0.65*	2 Jan 2015

*Comprises RM0.15 stamp duty per cheque leaf & RM0.50 processing fee on each cheque issued starting 2nd January 2015.

Foreign Currency Current Account

Items	Channels
Items	Internet Banking	Mobile Banking
Fees & Charges (RM per transaction)
1. Reproduction of Statements for Foreign Currency Current Account for period up to 1 year	RM10.00 (upfront) RM2.00 (additional page)	N/A
2. Reproduction of Statements for Foreign Currency Account for period exceeding 1 year	RM30.00 (upfront) RM2.00 (additional page)	N/A
3. Handling fee for debit/credit entries (excluding transfers/placements into Foreign Currency Fixed Deposit accounts & rectification entries)	USD2.00 or RM equivalent per entry	N/A
4. Half-yearly service charge	USD10.00 or RM equivalent	N/A
Daily Transaction Limit (RM per day)
1. Sole-proprietors, partnership,and SME¹	RM10,000
2. Other corporates	N/A	N/A
Operating Hours	24 hours (Maintenance time: 11.55pm until 12.10am)
Crediting Time	For all channels
Monday - Friday	Immediate
Non-business Days	Immediate
Refund Time	Refund by 10.30am the next business day for funds transferred before 12.30pm Refund two business days later for funds transferred after 12.30pm

¹For manufacturing sector, sales turnover not exceeding RM50mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20mil or full-time employees not exceeding 75 workers.

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