Services Charges & Rates

  1. New Application
  2. Payments
  3. RHB Reflex
  4. Safe Deposit Box
  5. Islamic
  6. Others

New Application

 

A guide to our charges & rates offered.

 Service Commission / Service Charges / Interest
Closure of account Closure of accounts within 6 months - RM20
Closure of Basic Savings accounts within 3 months - RM20
Dormant Account
- Balance of RM10.00 and below Account closed & balance absorbed as charge
- Balance more than RM10.00 RM10.00 per annum
Lost Passbook RM10 (service charge)
RM10 (Stamp Duty on Letter of Indemnity for lost of passbook)
Replacement of Savings Account Passbook due to poor handling, mutilated, faded etc (except if passbook is full due to transactions) RM10 (service charge)
Intrabank Fund Transfer via instruction (account to account other than payroll services) RM5.00 per transaction
Duplicate Statements

 
i) Within 13 months from original statement date
No service charges


ii) Above 13 months from original statement date
RM20.00 per request plus RM2.00 per page


Note: Service charges above are waived for Basic Savings Account (BSA)
 Service charges

 Basic Savings Account (Option 1) – No Bankcard Annual Fee

  • 6 free over-the-counter (OTC) visits per month.
  • 1st eight (8) ATM cash withdrawals per month : Free
  • Subsequent : RM0.50 per transaction.
  • 1st two (2) GIRO transactions at RM0.50 each,
  • thereafter at RM2.00 per transaction.

 

Basic Savings Account (Option 2) – With RM8.00 Bankcard Annual Fee

  • Unlimited number of ATM and OTC transactions.
  • 1st two (2) GIRO transactions at RM0.50 each, thereafter
  • at RM2.00 per transaction.
  • Replacement of card due to lost/ stolen damage/ PIN forgotten – RM12.00

 

Easy-Simpanan Mesra

  • Early withdrawal Fees : RM20

 

Note: Customer will be charged the above fee but will receive the current outstanding amount excluding interest for the current month

 

Request for Hardcopy Statement at Branch:
Quarterly Savings Account Statement / Quarterly Savings Passbook Account Advice

Statement Period Service Charge 
 Within 13 months from original statement date  No service charges
 Above 13 months from original statement date  RM20.00 per request plus RM2.00 per page

 Inward Returned Cheque  Due to postdated: RM10.00 on payee

  • Current Account
 Service  Commission/ Service Charges/ Interest
 Service Charges

 Current Account (without OD facility)
Monthly RM5.00 is levied on account if daily average balance is below RM1,000

Current Account (with OD facility, Basic CA w/o OD facility & RHB Smart Account)
Half yearly service charge of RM10.00 is levied if
**monthly average balance is less than RM1,000.00 in preceding 6 months

**Sum of day end balance in the preceding 6 months / number of days

MaxCash Account
Service charge of RM5.00 for every subsequent withdrawals / debits after meeting the maximum number of no-charge withdrawals / debits within a month as stated below:

Month End Balance Band (RM) Number of No-Charge Withdrawals / Debits
 Up to 20,000  3
 Up to 100,000  6
 Above 100,000  Unlimited

 

My1 Account
RM15.00 annual fee (will be charged 3 months after account opening).
Monthly RM5.00 is levied on account if average daily balance is below RM5,000.
 Basic Current Account
(Option 1 – No Bankcard Annual Fee)
  •  6 complimentary Over-the-Counter (OTC) visit per month, thereafter at RM0.50 per transaction
  • 8 complimentary Automated Teller Machine (ATM) cash withdrawals per month, thereafter at RM0.50 per transaction
  • First 2 GIRO transactions at RM0.50 per transaction, thereafter at RM2.00 per transaction
 Basic Current Account
(Option 2 – With RM8 Bankcard Annual Fee)
  •  Unlimited complimentary ATM cash withdrawals and OTC transactions.
  • First 2 GIRO transactions at RM0.50 per transaction, thereafter at RM2.00 per transaction.

 Cheque Returned

  • Due to insufficient funds
  • Due to technical reasons
  • Due to post-dated (inward returned)
  • RM150.00 per cheque
  • No charges
  • RM10.00 (on payee's account)
 Re-clearing of Cheques
  • RM50.00 per cheque

 Stop Payment Cheque

  • Upon instruction
  • Due to loss of cheque book

Upon Presentation of cheque

  • If sufficient fund
  • If insufficient fund
  • RM20.00 per cheque
  • RM20.00 per request (with police report)

 

  • RM10.00 per cheque/ RM20.00 per cheque for RHB Smart Account
  • RM150.00 per cheque (for CA & RHB Smart Account); Rm100.00 per cheque (for RHB Smart Accoutn-i)
  •  
 Cheque Processing fee
  •  RM0.50 per piece
 Uncollected returned cheque
  • Courier charges : RM10.00
 Cheque encashment by accountholder at non domicile branch
  • Cheque Processing Fee : RM0.50
 Depositing of House Cheque over-the-counter
  • Cheque Processing Fee : RM0.50
Closure of Account
  •  Within 6 months of opening – RM20
  • After 6 months of opening – RM10.00

MaxCash Account, RHB Smart Account-i & Basic Current Account

  • RM20 on account closure within 3 months from the date it is opened.
 Intrabank Fund Transfer via instruction (account to account other than payroll services)
  •  RM5.00 per transaction
 Other Charges
 Currrent Account Hardcopy Statement Charge
  •  RM1.00/month

Cheque Book

  • Stamp duty
  • Cancellation of long outstanding uncollected cheque book after issuing of reminder
  • RM1.00 per piece
  • RM25.00 per cheque book
 Service charges on Dormant Account
  • For dormant account with balances of up to RM10.00, the account is closed and the amount absorbed as a charge
  • For dormant account with balances more than RM10.00, an annual service fee of RM10.00 is charged until the remaining balances are sent to unclaimed monies.

Audit Confirmation

  • With facilities
  • Without facilities
  • RM100.00
  • RM50.00
 Mandate Form
  • RM10 stamp duty
  • RM10.00 service charges
 Duplicate Statements

i) Within 13 months from original statement date
No service charges


ii) Above 13 months from original statement date
RM20.00 per request plus RM2.00 per page
 Photocopies of cheques, pay in slips, advices & cheque images
  •  RM10.00 per document
 Request for changes of signatories/ conditions for Current Account
  •  RM10.00 per account
 Coins deposit
(individual & SME customers will be exempted)
  • RM3.00 service charge for deposit from RM1,000 to RM3,000
  • RM5.00 service charge for deposit more than RM3,000

*Not applicable for Basic Current Account
 Changing of coins
(individual & SME customers will be exempted)
  • RM8.00 per bag
  • Loose coins: RM1.00 for every RM50
 Third party encashment of Pre-printed “Account Payee Only” crossing cheque
  • RM2.00 charge to drawer’s account for each third party encashment
  • Third party encashment on cheque with MICR code 16 is waived (Government cheques)
 Bulk cash deposits (Individual & SME customers will be exempted)
  • 1st 1,000 pieces – no charge
  • Multiple of 1,000 – RM10.00 up to a maximum of RM500 will be charged on all accounts.
 House Cheque
Immediate credit (Individual & SME customers will be exempted)
  •  waived
 Interest on Overdrawn Amount (TOD)
  • Min: RM5
  • Max: BLR+3.5%

 

  • Premier Current Account
 Service charges  Half yearly service charge of RM10.00 is levied if **monthly average balance is less than RM1,000.00 in preceding 6 months

**Sum of day end balance in the preceding 6 months / number of days
 Closing of account within 3 months   RM20

Cheque Book

  • Stamp Duty
  • Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder
  • RM1.00 per piece
  • RM25.00 per cheque book

 Cheque Return

  • due to insufficient funds
  • due to technical reasons
  • due to post dated (inward returned)
  • RM150 per cheque
  • No charge
  • RM10.00 (on payee)

Stop Payment Cheque

  • Upon instruction
  • Due to lost of cheque book

Upon presentation of cheque

  • if sufficient funds
  • if insufficient funds
  • RM20.00 per cheque
  • RM20.00 per instruction (with police report)

 

  • RM10.00 per cheque
  • RM100 per cheque
 Dormant Account (no activity for 6 months)  RM10.00 annually

 Duplicate Statements
  • Within 13 months from original statement date
    No service charges
  • Above 13 months from original statement date
    RM20.00 per request plus RM2.00 per page
 Photocopies of cheques, pay-in-slips, advices and cheque image  RM10.00 per copy

 Standing Instruction

  • Over the Counter (OTC) Interbank
  •  RM5.00 per transaction

 Service  Commission / Service Charges / Interest
Request for Fixed Deposit Statement/Summary

i) Within 13 months from original statement date
No service charges


ii) Above 13 months from original statement date
RM2.00 per page

Fees and Charges  Description
 Annual Fees  
 Card Type Principal Card
(RM)		  Supplementary Card
(RM)
 RHB Premier Visa Infinite  Waived  Waived
 RHB Visa Infinite  Waived  Waived
 RHB World Mastercard  Waived  Waived
 RHB Visa Signature  Waived  Waived
 RHB Platinum Business  Waived  Waived
 RHB Rewards / Rewards Motion CodeTM  200.00  Waived
 RHB Cash Back  70.00  Waived
 MyEG-RHB  88.00  Waived
 RHB Shell VISA  195.00  Waived

 Finance Charges

 On Purchases

If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and other fees (excluding late payment charge) that were carried forward from previous statement that is unpaid after the Payment Due Date.

Description  Interest Rate
 Per Month  Per Annum
 Cardmembers who promptly settle their minimum payment due for 12 consecutive months.  1.25%  15%
 Cardmembers who promptly settle their minimum payment due of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new cardmember.  1.42%  17%
 Cardmembers who do not fall within the above categories.  1.50%  18%

To enjoy lower finance charges for the retail transactions, you should make at least 10 prompt payments in the last 12 months.

Platinum Business: 15% p.a. of the outstanding amount calculated on a daily basis of the outstanding amount not fully paid by the payment due date.

Finance Charges

If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and other fees (excluding late payment charge) that were carried forward from previous statement that is unpaid after the Payment Due Date.

On Cash Advance

18% per annum will be levied on each cash advance calculated from the date of cash advance until it is fully settled.
Platinum Business: 15% p.a. of the cash advance amount calculated on a daily basis.

Balance Transfer/CashXcess/Dial-An-Instalment

Balance Transfer (BT), CashXcess (CX) and Dial-An-Instalment (DAI) rates are not fixed and is subject to change.
Kindly refer to www.rhbgroup.com for the latest rates.

Automatic Balance Conversion

An auto balance conversion for eligible Cardmember in every 12 months by converting the credit card outstanding balances (with a minimum amount of RM1,000) into a 3 years term loan, at an effective interest rate of 13% per annum. Cardmember has the flexibility to opt-out from each conversion offer.
Kindly refer to www.rhbgroup.com for more information.
Cash Advance Fee 5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals and licensed betting transactions.

Any applicable taxes imposed from time to time are applicable for these charges.
Late Payment Charges  If the cardmember fails to pay the Minimum Monthly Repayment by the Payment Due Date, a late payment charge of 1% of the Card Account on the outstanding balance or RM10.00, whichever is higher, subject to a maximum of RM100.00 will be imposed and stated in the monthly statement.
Overseas Transaction Conversion Fee  If a transaction is made in foreign currency, MasterCard or VISA, depending on which card is used, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by MasterCard or VISA as at the date it is processed by MasterCard or VISA.

In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.

Any applicable taxes imposed from time to time are applicable for these charges.
Excess Limit Fee  A fee of RM50 may be charged whenever the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions.
Card Replacement Fee  RM50 per card
Monthly Hardcopy Statement Fee RM1.00 per hardcopy statement
Waiver is allowed for customers:

a. aged 60-year-old and above
b. customers with disabilities1
c. customers with no access to internet or do not know how to use internet

1For these group of customers, kindly approach RHB Bank with Supporting documents
Additional Statement Request Fee RM5.00 per copy
Card Service Tax (CST) RM25.00 per Principal & Supplementary card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed.
Minimum Monthly Repayment

Upon receipt of the Card Statement, the Cardmember shall pay to the Card Account the minimum repayment due as set out below or up to the outstanding balance shown on the Card Statement (the Outstanding Balance) on or before the Payment Due Date as stated in the Card Statement. The minimum repayment due shall be:

a) 5% of Outstanding Balance (comprising of retail transactions, balance transfer, cash advance amount, finance charges and fees, if any);

b) All monthly instalments due (contracted Easy Payment Plan, Balance Transfer Plan, CashXcess Plan and all other instalment plans available from time to time, if any) signed up from 2 October 2019;

c) The contracted monthly term loan instalment for any Automatic Balance Conversion if any;

d) Any unpaid minimum repayments specified in the preceding month’s statement (if any);

e) Amount in excess of the Card Limit during the statement month (if any); and

f) Card Service Tax and any other value added taxes imposed.

  OR

g) A minimum amount of RM50 from the Outstanding Balance, whichever is higher.
Interest Free Period 20 days from statement date- if all retail transactions of the previous month are fully paid

Fees and Charges  Description
 Annual Fees  
Card Type  Annual Fee
 RHB Business Platinum  Waived
 RHB Corporate Credit  RM150/ card
 RHB Corporate Charge  RM150/ card
 RHB Purchasing Charge  RM150/ card

Finance Charges

 Finance charges for Retail Purchases for credit cards:

 Description  Interest Rate
Cardmembers who promptly settle their minimum payment due for 12 consecutive months. 15% p.a. (1.25% p.m.)
Cardmembers who promptly settle their minimum payment of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new cardmember. 17% p.a. (1.42% p.m.)
Cardmembers who do not fall within the above categories. 18% p.a. (1.50% p.m.)

 

Finance charges for Retail Purchases for Business Platinum:
15% p.a. of the outstanding amount calculated on a daily basis of the outstanding amount not fully paid by the payment due date.

Finance charges for Retail Purchases for charge cards:
Finance Charges not applicable to charge cards where outstanding balance must be settled in full by Payment Due Date.

Finance charges:
If all or any of the Finance Charge remains unpaid after the Payment Due Date, the Finance Charge will be imposed on any outstanding finance charges and otherfees(excluding late payment charge) that were carried forward from previousstatementthatis unpaid after the Payment Due Date.
Cash Advance Fee  Not available
Minimum Monthly Payment for Credit Cards

Upon receipt of the Card Statement, the Cardmember shall pay to the Card Account the minimum payment due as set out below or up to the outstanding balance shown on the Card Statement (the Outstanding Balance) on or before the Payment Due Date as stated in the Card Statement. The minimum payment comprising of:

a)  5% of Outstanding Balance (comprising of retail transactions, balance transfer, cash advance amount, finance charges and fees, if any);

b)  The contracted monthly term loan instalment for any Automatic Balance Conversion if any;

c)  Any unpaid minimum payments specified in the preceding month’s statement (if any);

d)  Amount in excess of the Card Limit during the statement month (if any); and

e)  Card Service Tax and any other value added taxes imposed.

Or

A minimum amount of RM50 from the Outstanding Balance, whichever is higher.

Not applicable to charge cards where outstanding balance must be settled in full by Payment Due Date.
 Late Payment Charge

Late Payment Charges for credit cards:
A minimum of RM10 or 1% of total outstanding balance as at statement date, whichever is higher, up to a maximum of RM100 will be charged.

Late Payment Charges for charge cards:
If the company or cardmember fails to settle the outstanding balance in full by the due date, a late payment charge of 3.5% of the Card Account on the balance or RM50.00, whichever is higher will be imposed and stated in the monthly statement.
Interest Free Period 20 days from the statement date and is applicable only for retail transactions and the cardmembers who pay in full on or before the payment due date. If Cardmembers opt to pay partial or minimum payment, finance charges for retail transactions will be calculated from the day the transactions are posted to the card account.
Excess Limit Fees  A fee of RM50.00 may be charged whenever the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions.
Card Replacement Fee  RM50 for each replacement card issued.
Card Statement Request  RM5.00 on each additional card statement.
Overseas Transaction Conversion Fee The conversion rate as determined by Visa International or MasterCard Worldwide plus administration cost of up to 1% on the conversion rate.
Card Service Tax (CST)  Effective 1st September 2018, Service Tax shall be imposed on each Business Platinum and Commercial Card upon new card activation date or renewal of the credit card. The rate of service tax to be imposed is RM25 per card per year.

 Annual/Issuance fee
 RHB Debit Card - RM12  RM12.00
(with 0.5% cash back for overseas transaction)
 RHB Debit Card - RM8  RM8.00
(without cashback)
 RHB Visa Justice League Debit Card  Issuance fee: RM15.00
 Annual fee: RM12.00
(with 0.5% cash back for overseas transaction)
 RHB Premier Visa Infinite Debit Card  RM50.00
Waived for the first year.
For the subsequent years, it will be waived subject to RM5,000-00 retail spend per annum or swipe their card a minimum of 5 times in a year.
(with 1.0% cash back for overseas transaction)
 RHB Premier Multi Currency Visa Debit Card  RM20.00
Waived for the first year provided that the initial deposit on the RHB Multi Currency account is at USD200. If the initial deposit is less than USD200, the issuance fees will be charged.
 RHB Multi Currency Visa Debit Card RM20.00
 RHB Corporate MyDebit Card  RM12.00
 Easy Smart Debit Card  RM20.00
Waived for Easy-Smart Student Debit CardTM provided the cardholder is a Malaysian student aged eighteen (18) years and above who is enrolled in any Easy partnered universities/colleges incorporated in Malaysia
 ATM withdrawal fee*
 RHB ATM  Free
 Local Bank MEPS RM1.00 per withdrawal.
Waived for Premier Visa Infinite Debit Card
 Foreign Bank MEPS  RM1.00 per withdrawal
 Visa/MasterCard Network  RM12.00 per withdrawal
 Card replacement fee
 RHB Debit Card - RM12   RM15.00
 RHB Debit Card - RM8   RM12.00
 RHB Visa Justice League Debit Card   RM18.00
 RHB Premier Visa Infinite Debit Card  RM15.00
 RHB Premier Multi Currency Visa Debit Card   RM15.00
 RHB Multi Currency Visa Debit Card   RM15.00
 RHB Corporate MyDebit Card  RM15.00
 Easy Smart Debit Card   RM15.00
For Easy-Smart Student Debit CardTM, the cardholder is required to provide an authorization letter from the University/College
 Overseas transaction conversion fee **   1% of the converted amount
 MyDebit Cash out transaction fee* (Refer to note below)  RM0-50 per transaction

Note:
Inclusive of any applicable taxes imposed from time to time. For the avoidance of doubt, the Cardmember shall bear all professional fees, taxes (including but not limited to any applicable taxes imposed from time to time), and out-of-pocket expenses incurred and any other fees, expenses or recourse in respect of this Product.

** RHB Premier Multi Currency Visa Debit Card & RHB Multi Currency Visa Debit Card
If the funds are deducted from any of the 32 Currencies, there will not be any 1% conversion fee charged on the amount spent. However, if the funds are deducted from the RHB Ringgit Malaysia Account, then the 1% conversion fee is still applicable.
** Not applicable for RHB Corporate MyDebit Card
* Not applicable for RHB Corporate MyDebit Card

 


 RHB Prepaid Card
 Starter Pack Purchase (one off) *  RM24.00
 Annual fees *  RM24.00 per card 
 Replacement card fee  Not applicable.
To purchase a new starter pack.
 ATM withdrawal fees - RHB ATM * Free
 ATM withdrawal fees - Visa Network *  RM8.00 per withdrawal
 Overseas transaction conversion fee *  1% of the converted amount
 Copy of statement  RM5.00 per copy

Note:
* Inclusive of any applicable taxes imposed from time to time. For the avoidance of doubt, the Cardmember shall bear all professional fees, taxes (including but not limited to any applicable taxes imposed from time to time), and out-of-pocket expenses incurred and any other fees, expenses or recourse in respect of this Product.

Service Fees and Charges Amount (exclusive of any applicable taxes imposed from time to time)
 Redraw Fee RM50 per transaction (applicable to MY1 Flexi Home Loan/ Commercial Property Financing With Redraw Facility / RHB MY1 Term Cash Out Commercial Property Financing with Redraw Semi-Flexi)
 Redemption statement
(per account per request)		  RM50
 Letter of confirmation for EPF withdrawal (applicable to Housing Loan only)  RM20
 Security document retrieval fee  RM20 for up to 10 pages
RM50 for more than 10 pages
 Additional loan statement  RM5 per page
 Restructuring/ Rescheduling  No charges
Cancellation Fee 1% of the loan amount in the event that the accepted Commercial Property Financing (Individual) is cancelled prior to the disbursement of the Commercial Property Financing (Individual).

Note: Not applicable for Housing Loan (Individual) w.e.f 31 March 2025
Early settlement fee

(A) Commercial Property Financing (Individual)


Type of
Banking
Facility		 Charges / Fees
New Loan
(as stated in Letter of Offer)

For full repayment of the outstanding Banking Facility made within the lock-in period and the Early Settlement Fee shall be calculated in the manner as set out below:

"Early Settlement Fee" shall mean [(Board Rate - Discounted Rate)] X Original loan amount X number of calendar days from date of first disbursement until date of payment of Settlement Amount (both dates inclusive) /365.

“Original loan amount" shall mean the approved and accepted Total Banking Facility amount.

For this purpose, "Board Rate" shall mean the bank's normal rates provided to customer(s) at the point of issuance of Letter of Offer for the loan, which is usually higher than the discounted rate and "Discounted Rate" shall mean the bank's promotional rates/customer rate at the point of issuance of the Letter of Offer.

Note: Not applicable for Housing Loan (Individual) w.e.f 31 March 2025
Pricing variation of existing loan (as stated in Letter of Variation)

For full repayment of the outstanding Banking Facility made within the lock-in period and the Early Settlement Fee shall be calculated in the manner as set out below:

"Early Settlement Fee" shall mean [(Board Rate - Revised interest rate)] X Outstanding amount X number of calendar days from date of interest rate conversion until date of payment of Settlement Amount (both dates inclusive) /365.

“Original amount" shall mean the Outstanding Banking Facility amount at the date of interest rate conversion.

For this purpose, "Board Rate" shall mean the bank's normal rates provided to customer(s) at the point of issuance of Letter of Variation for the loan, which is usually higher than the discounted rate and "Revised interest rate" shall mean the bank's promotional rates/customer rate at the point of issuance of the Letter of Variation.

Note: Not applicable for Housing Loan (Individual) w.e.f 31 March 2025

(B) Only applicable for RHB My1 Enabler Home Loan

An early settlement charge of 2% on the outstanding amount of the Banking Facility for the full settlement made within the first five (5) years from the date of the final disbursement as stated in the Letter of Offer.

 Monthly maintenance fee  No charges

 Commercial Loan Commission/Service Charges/Interest
 Restructuring/rescheduling of facility  No charge for SME
 a) CTOS
b) CCM (ROC)/ROB search via CTOS		  No charge for SME
 CCRIS  No charge for SME
 Commitment fee
  • Applicable to all business accounts.
  • For SME, not more than 1% per annum.
    Noted: vailable rates are 0.25,0.3,0.5 and 0.75
  • For individual, commitment fee is only applicable when total aggregate facilities exceed RM250,000.00.
 Processing fee  No charge for SME

 Description / Service  Fee/ Interest

Cancellation Fee

 

i.  Cancellation by customer after application has been approved by SJPP

ii.  Failure to disburse the banking facilities granted by bank after a period of 6 months from date of SJPP’s approval and resulting in cancellation of guarantee approval by SJPP

 RM 100 is payable to Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Types of fees/ charges
 		 Fees and Charges Amount
HP Agreement RM 10.00 per agreement for stamp duty
Variation on HP Agreement (on request) RM 10.00 per agreement for stamp duty
Postage
  • RM 3.50 for account without guarantor
  • RM 7.00 for account with one (1) guarantor
  • RM 10.50 for account with two (2) guarantors

Request for retrieval and copy of documents

  • Additional HP statement
 RM13.00 per request
  • Request for copy of HP’s documents
 RM 14.00 per request
Photocopy of HP Agreement RM 25.00 per request
Redraw Fee
(applicable for VF-I Flexi Redraw only) 		RM 18.50 per transaction
 Service  Commission / Service Charges / Interest
Restructuring/Rescheduling
Corporate customers

Individual and SME customers are charged stamp duty on the following documents:

 RM230.00 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost.

 

Per Copy

 No. of Copies  Total Amount
 HP Variation Agreement  RM10  2   RM20
 Supplement Guarantor Agreement  RM10  2   RM20
 Guarantee & Indemnity (if any)  RM10  2   RM20
 Supplement Corporate Guarantee Agreement (if any)  RM10  2   RM20

 Assignment of Agreement  RM230.00 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost.
 Reimbursement on Stamp Duty  
Standard Document  Per Copy   No. of Copies   Total Amount
 IHP/HP Agreement  RM10  2  RM20
 Personal Guarantee  RM10  2  RM20
 Joint & Several Guarantee  RM10  2  RM20
 Corporate Guarantee  RM10  2  RM20
 Novation Agreement  RM10  1  RM20

Additional Documents due to certain terms and conditions imposed Per Copy No. of Copies Total Amount
 Repurchase Agreement  RM10  2  RM20
 Assignment of Purchase Agreement  RM10  2  RM20
 Standing Instruction  RM10  1  RM20
 Letter of Set-Off  RM10  1  RM20
 Supplemental Agreement  RM10  2  RM20
 Variation Agreement  RM10  2  RM20
 Deed of Assignment  RM10  2  RM20
 Subordination of director loan  RM10  2  RM20

 

Additional documents required for opening of L/C Per Copy  No. of Copies  Total Amount
 Personal Guarantee   RM10  2  RM20
 Joint & Several Guarantee   RM10  2  RM20
 Corporate Guarantee   RM10  2  RM20


 Service Commission / Service Charges / Interest
 eIPO Application via online or ATM   RM2.50 per application

 Types of Fee Details of Fee
 Stamp Duty 0.5% of the loan amount (RM5 for every RM1,000 or part thereof), as per the Stamp Duty Act 1949 (Revised in 1989).

Note: Stamp duty and Insurance contribution (if applicable) will be deducted from the total approved Facility before disbursement.
 Insurance Coverage  Insurance coverage is optional and it depends on the tenor and amount of facility, including age and gender of the Customer.
 Early Exit Fee
  • Lock-in period: Six (6) months after the date of the Approval Letter.
  • Total fee charged is RM100 or one percent (1%) of total approved loan amount, whichever is higher (note: not subject to Service Tax as the fee does not fall within the scope of taxable service).
 Late Payment Fee  Applicant will pay a late payment charge on the amount of the monthly amount due in arrears at the rate of one per cent (1%) per annum* until such arrears are paid in full.

* or any prevailing rate fixed by Bank Negara Malaysia at the relevant point of time.

 

  • Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility.

 Fees and Charges Description
Finance Charges 15% p.a.on the outstanding amount not fully paid by the payment due date, calculated on daily rest.
 Late Payment Charges  If the customer fails to pay the monthly repayment by the payment due date, a late payment charge of 1% of total outstanding amount due in arrears will be imposed

Payments

 

A guide to our charges & rates offered.

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES
 No fee  NA  NA  NA

Local Demand Draft (in RM)

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES 
 For account holder  RM4.85  RM1.00  NA  RM0.60
(For Internet Banking Only)
 For walk in customer  RM7.85  RM1.00  NA  RM0.60
(For Internet Banking Only)
 Cancellation / Refund  RM2.00  Stamp Duty : RM10.00
(on indemnity)
Not applicable if the original local Demand Draft is presented for cancellation.		  NA  NA

 

MIDF/MIH Public Issue

SERVICE CHARGES / FEES STAMP DUTY  CABLE & OTHER CHARGES MAIL / COURIER CHARGES
 For account holder RM2.00   RM1.00  NA  NA
 For walk in customer  RM4.85  RM1.00  NA  NA

 

Foreign Demand Draft (in Foreign Currency) General

SERVICE CHARGES / FEES STAMP DUTY  CABLE & OTHER CHARGES  MAIL / COURIER CHARGES 
 Less than RM5,000.00 equivalent  RM6.00   NA  Postage RM1.00   NA
 Equal or above RM5,000.00 equivalent  RM4.00  NA  Postage RM1.00   NA
 Cancellation / Refund / Stop Payment  RM2.00  Stamp Duty : RM10
(on indemnity)
Not applicable if the original Demand Draft is presented for cancellation		  Cable Charges : RM10.00
Plus out of pocket charges/Agent charges		   NA

 

CRS Drafts USD / CRS Drafts Non-USD (EUR, GBP, HKD & NZD)

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES  MAIL / COURIER CHARGES 
Less than RM5,000.00 equivalent  RM6.00  NA Postage RM1.00
&
Agent Charges
RM32.00		  NA
Equal or above RM5,000.00 equivalent  RM4.00 NA Postage RM1.00
&
Agent Charges
RM32.00		  NA
Cancellation / Refund / Stop Payment On Same Day Issuance only (with physical draft)
Service charge : RM2.00		 NA  NA  NA
After Next Day Of Issuance
Service charge : RM2.00		 Stamp Duty : RM10.00
(if applicable)		 Cable charges: RM10.00

Agent's charges : RM30.00		  NA
Photocopy Request on Paid CRS Drafts (USD and non USD Drafts) Agent's charges : R38.00 NA  NA  NA

 

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES 
 RHB Basic Savings Account (BSA) and RHB Basic Current Account (BCA)
 Over the counter transactions RM0.50 for the 1st 2 transactions for the month. Subsequent transactions will be charged RM2.00   NA  NA  NA
 Transaction via Internet Banking  RM0.00  NA  NA  NA
 Other Deposit Accounts
 Over the counter transactions  RM2.00   NA  NA  NA
 Transaction via Internet Banking  RM0.00  NA  NA  NA

DETAILS SERVICE CHARGES / FEE
Transaction via RHB Now Internet Banking
Immediate Transactions RM0.00
 Future Dated / Recurring Transaction  RM0.00

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES 
Rentas
via Outward Rentas (Over The Counter). RM5.00 NA NIL NA
Inward Rentas (via direct crediting). NIL NA NIL NA
BNM link

ABM link

AIBIM link
Outward Foreign Telegraphic Transfer from Current Account or Savings Account*
via RHB Online Banking  NA  NA  Charges RM20.00  NA
via RHB branches - Over the counter (OTC)
  • Less than RM5,000 or equivalent
 RM2.00 NA SWIFT RM25.00 NA
  • Equal or above RM5,000
 NA NA SWIFT RM25.00 NA
  • Cancellation / Refund / Stop Payment
 NA NA Cable : RM10.00 plus out of pocket expenses NA
Outward Foreign Telegraphic Transfer from Multi Currency Account*
Via RHB Online Banking USD 5.00 or its equivalent NA NA NA
via RHB branches - Over the counter (OTC) USD 10.00 or its equivalent NA NA NA
Cancellation / Refund / Stop Payment NIL NA Cable : RM10.00 plus out of pocket expenses NA
Inward Foreign Telegraphic Transfer
Payable to an account with RHB Bank Berhad – Current Account or Savings Account RM5.00 NA NA NA
Payable to an account with RHB Bank Berhad – Multi Currency Account NA NA NA NA

* Subject to other charges (such as agent bank / beneficiary bank)
 SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES
 All currencies except SGD Commission : 0.1%
Min : RM10.00
Max : RM100.00 		  RM1.00  Postage : RM5.00
 In SGD only  Commission : 0.1%
Min : RM5.00
Max : RM100.00		  RM1.00  Postage : RM5.00
 Advice of Dishonour
(Returned FCC / FCP / TCP)		  Commission : RM10.00  RM1.00 Postage : RM5.00
plus collecting Agent's Charges
(if any)

Other Remittance Service

Charges for other Remittance Services are available upon request at any of RHB Bank Bhd's branches nearest to you.


SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES  COURIER CHARGES 
 Bank Draft (Less than RM5,000 equivalent)
 Rupiah Remittance Service  RM2.00  NA  Postage RM1.00  NA
 Taka Remittance Service  RM2.00  NA  Postage RM1.00  NA
 Vietnamese Dong  RM2.00  NA  Postage RM1.00  NA
 Pakistan Rupee  RM2.00  NA  Postage RM1.00  NA
 Indian Rupee  RM2.00  NA  Postage RM1.00  NA
 China  RM2.00  NA  Postage RM1.00  NA
 Bank Draft (Equal or above RM5,000 equivalent)
 Rupiah Remittance Service  Waived  NA  Postage RM1.00  NA
 Peso Remittance Service  Waived  NA  Postage RM1.00  NA
 Taka Remittance Service  Waived  NA  Postage RM1.00  NA
 Vietnamese Dong  Waived  NA  Postage RM1.00  NA
 Pakistan Rupee  Waived  NA  Postage RM1.00  NA
 Indian Rupee  Waived  NA  Postage RM1.00  NA
 China  Waived  NA  Postage RM1.00  NA
 Foreign Worker Telegraphic Transfer*
 Rupiah Remittance Service  RM2.00

  NA Cable Charges RM10.00
  NA
 Peso Remittance Service  RM2.00

  NA  Cable Charges RM10.00  NA
 Taka Remittance Service  RM2.00

  NA Cable Charges RM10.00
  NA
 Vietnamese Dong  RM2.00

  NA Cable Charges RM10.00
  NA
 Pakistan Rupee  RM2.00

  NA  Cable Charges RM10.00  NA
 Indian Rupee  RM2.00

  NA  Cable Charges RM10.00  NA
 China  RM2.00

  NA  Cable Charges RM10.00  NA

* Commission RM2.00 is waived if remittance amount is above RM5,000.

 SERVICE CHARGES / FEES STAMP DUTY  CABLE & OTHER CHARGES Mail/Courier Charges  
 All currencies except SGD Commission : 0.1%
Min : RM10.00
Max : RM100.00		  RM1.00 Postage : RM5.00
plus collecting Agent's Charges
(if any)		  NA
SGD drawn in Singapore only Commission : 0.1%
Min : RM5.00
Max : RM100.00		  RM1.00 Postage : RM5.00  NA
USD drawn in Singapore for amount USD500 and above Commission : 0.1%
Min : RM10.00
Max : RM100.00

Additional commission charged at RM equivalent of USD15.00		  RM1.00 Postage : RM5.00  NA
 USD drawn in Singapore for amount less than USD 500 Commission : 0.1%
Min : RM10.00
Max : RM100.00		  RM1.00 Postage : RM5.00  NA
 Brunei Dollar Commission : 0.1%
Min : RM10.00
Max : RM100.00		  RM1.00 Postage : RM5.00
Telex charges : BND10.00 equivalent per telex sent		  NA
 USD drawn in Wells Fargo Bank Commission : 0.1%
Min : RM10.00
Max : RM100.00		 RM1.00 Postage : RM5.00
Agent Charges : USD30.00
Rejection : USD20.00
Returned : USD30.00		  NA

  • Click here for Western Union Send Money Fee table

RHB Reflex

 

A guide to our charges & rates offered.

 

 No.  Description  Basic Premium for Corporate  SME & Sole Proprietor (effective from 01/05/2018) Premium Plus (effective from 18/06/2021) 
   Accessibilty Type For Inquiry Only For Inquiry & Transactions  For Inquiry, Transactions and Direct Integration with 3rd Party Software Provider
 1. Monthly Subscription Fee  Waived  RM30.00  Waived  RM50.00
 2.  Security Token  No Token Required.
Login is via Password

 Option 1: Normal User Assignment Free 4 tokens
(2 System Administrator and 2 Financial User)


Option 2: Dual Function User Assignment Free 2 tokens
( 2 System Administrator with Financial Function


Option 3: Single User Assignment Free 1 token


Additional token: RM50.00/user
*not applicable for Option 3: Single User Assignment


Replacement / Additional token Fee: RM50.00/user
3.

Intra-Bank (within RHB)

a) Single Transaction

  • Own Account
  • Third Party Account

b) Bulk Transaction (Autocredit)

  Not Applicable

 

 

 

Free-of-charge

 

RM0.10

 

RM0.80/transaction

 

 

 

Free-of-charge

 

Free-of-charge

 

Free-of-charge

 

 

 

Free-of-charge

 

Free-of-charge

 

Free-of-charge
 4.

 IBG (Interbank GIRO)

a) Single Transaction

b) Bulk Transaction

  Not Applicable

RM0.10

RM1.00/transaction

 RM0.10

RM0.10/transaction

 RM0.10

RM0.10/transaction
 5.

 RENTAS

a) Single Transaction

b) Bulk Transaction

  Not Applicable

 RM4.00

RM4.00/transaction

 RM2.00 

RM2.00/transaction

 RM2.00

RM2.00/transaction
 6.

 Payroll Intra-bank (within RHB)

a) Payroll Intra-bank (within RHB)


b) Payroll IBG (Interbank GIRO)


c) Payroll RENTAS


d) Statutory body payment (EPF/SOCSO/IRB)

  Not Applicable

 RM0.80/transaction

RM1.00/transaction

RM4.00/transaction

Free-of-charge

 Free-of-charge

RM0.10/transaction

RM2.00/transaction

Free-of-charge

 Free-of-charge

RM0.10/transaction

RM2.00/transaction

Free-of-charge
 7.

Outward TT Not Applicable


a) Transaction equivalent amount less than RM5,000.00


b) Transaction equivalent amount equal or more than RM5,000.00


c) Additional charges (applicable for transaction with OUR charges option only)

  Not Applicable

 RM22.00

 

RM20.00

 

RM50.00

 RM22.00

 

RM20.00

 

RM50.00

RM22.00

 

RM22.00

 

RM50.00
 8.  DuitNow ID (registration)  Free-of-charge
 9.

 DuitNow


a)Transaction amount less than RM5001.00


b) Transaction amount equal or more than RM5001.00

  Not Applicable

 Free-of-charge

 

RM0.50
10. 

 Instant Transfer

a) Transaction amount less than RM5001.00

 

b) Transaction amount equal or more than RM5001.00

  Not Applicable

 Free-of-charge

 

RM0.50
 11.  

 DuitNow QR Transaction Fee
(applicable to Merchant)

 

Current/ Saving Account/ e-Wallet

 

Credit Card

 

 

 

Waived until further notice

 

Waived until further notice

 

* Note:
1. The SME package is only applicable to companies which fall under the BNM's definition of SME.
2. IBG Transaction Limit is RM 1,000,000 per transaction.
3. DuitNow & Instant Transfer Limit is RM10, 000,000 per transaction.

 

 IBG Payment Initiated by Customers  Funds Received by Beneficiaries
 Business Days
(Mon – Fri)		  Before 5:00 am  Same business day  By 11:00 am
 5:01 am to 8:00 am  By 2:00 pm
 8:01 am to 11:00 am  By 5:00 pm
 11:01 am to 2:00 pm  By 8:20 pm
 2:01pm to 5:00 pm  By 11:00 pm
 After 5:00 pm  Next business day  By 11:00 am
 Non-Business Days
(Saturday, Sunday and
Federal Territory Public Holidays)		  Next business day  By 11:00 am

 

 

IBG Transaction Cut Off Time Returned Unsuccessful Transaction Window Number Crediting Time of Returned Unsuccessful Transaction
 0500 hours  3  1700 hours same business day
 0800 hours  4  2020 hours same business day
 1100 hours  5  2300 hours same business day
 1400 hours

 1

(Next Business Day)

  1100 hours next business day
 1700 hours

 1

(Next Business Day)

  1100 hours next business day
Safe Deposit Box

 

A guide to our charges & rates offered.

 

 BOX SIZE  Annual Rental Rates
 Below 600 cu.in. RM310
 601 to 1,000 cu.in. RM370
 1,001 to 2,000 cu.in. RM430
 Above 2,000 cu.in. RM490

 

 SERVICE CHARGE
Initial key deposit upon opening of account RM350
Stamp duty on agreement RM5
Replacement of key(s) / locks Min. RM300 or actual cost of replacement, whichever is higher
Force Opening Charges  Actual cost incurred

Islamic

 

A guide to our charges & rates offered.

  • Restricted Investment Account-i (RIA-i)
Restricted Investment Account-i (RIA-i)  Fees and Charges
Stamp duty on RIA agreement/ documents RM10 nominal fee per document.
Ad-hoc Fund Performance Report RM50 per request

  • Asset Backed Financing
Asset Backed Financing  
Restructuring / Rescheduling RM230 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost.
Assignment of Agreement RM230 including stamp duty. If it involves registrable vehicles, any charges payable to JPJ and runners shall be billed at cost.

Reimbursement of stamp duty
Standard Documents

  • IHP/HP Agreement
  • Personal Guarantee
  • Joint & Several
  • Guarantee
  • Corporate Guarantee
  • Novation Agreement
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM10 (Stamp duty for 1 copy only)

Additional Documents due to certain terms and conditions imposed

  • Repurchase Agreement
  • Assignment of Purchase Agreement
  • Standing Instruction
  • Letter of Set-Off
  • Supplement Agreement
  • Variation Agreement
  • Deed of Assignment
  • Subordination of director loan
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM10 (Stamp duty for 1 copy only)
  • RM10 (Stamp duty for 1 copy only)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)

Additional documents required for opening of L/C

  • Personal Guarantee
  • Joint & Several Guarantee
  • Corporate Guarantee
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies)
  • RM20 (Stamp duty for 2 copies) 

 

 

  • Hire Purchase-i (Fixed Rate) / Vehicle Financing-i (Variable Rate) / VF-i Flexi Redraw
Types of fees/ charges Fees and Charges Amount
 The Facility Agreement RM10.00 per agreement for stamp duty
 Variation on the Facility Agreement upon request RM 10.00 per agreement for stamp duty
 Postal RM 3.50 for account without guarantor
RM 7.00 for account with 1 guarantor
RM 10.50 for account with 2 guarantors
 Request for retrieval and copy of documents
  • Additional statement of the Facility
  RM 13.00 per request
  • Request for copy of the Facility documents
  RM 14.00 per request
 Photocopy of the Facility Agreement  RM 25.00 per request
Redraw Fee (applicable for VF-i Flexi Redraw only) RM 18.50 per transaction

 

 

  • Equity Home/Property Financing
Equity Home/Property Financing-i Service Charges
Processing fee for approved application No charges
Redemption statement RM50.00 *
Letter of confirmation for EPF withdrawal RM20.00 (with/without documents) *
Security document retrieval fee RM20.00 for up to 10 pages *
RM50.00 for more than 10 pages *
Additional financing statement RM5.00 per page *
Restructuring/ Rescheduling No charges
Monthly maintenance fee No charges
 Stamp duty As per the Stamp Act 1949 (Revised 1989)
Disbursement Fee Include fees for registration of charge, land search and bankruptcy search.
Legal Fees pertaining to financing documentations Customer is required to pay all legal fees and incidental expenses in connection with the facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgment and withdrawal of caveats). Provided that the legal firm meets the Bank's minimum criteria, the customer may appoint the customer's preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank's documentation or process, the appointment of the Bank's panel lawyers is highly encouraged.
 Valuation Fees  For completed properties only

 

* (Inclusive of service tax and/or any applicable taxes imposed from time to time)

 

  • Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property & Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property (Full Flexi)
Commodity Murabahah Term Financing-i (CMTF-i) for Home/Property Service Charges
Stamp duty As per the Stamp Act 1949 (Revised 1989).
Disbursement Fees Include fees for registration of charge, land search and bankruptcy search.
Legal Fees on financing documentations You are required to pay all legal fees and incidental expenses in connection with the Banking Facility (including but not limited to the preparation, stamping and registration of any security documents and the lodgement and withdrawal of caveats). Provided that the legal firm meets the Bank’s minimum criteria, you may appoint your preferred legal firm to attend to the preparation of the documentation. However, to avoid any delay in the documentation due to unfamiliarity with the Bank’s documentation or process, the appointment of the Bank’s panel lawyers is highly encouraged.
 Valuation Fees  For completed properties only
 Redemption statement (per account, per request)  RM37.20 per transaction */**
 Letter of confirmation for EPF withdrawal  RM20.00 per transaction */**
 Security document retrieval fee Photocopy of documents:
RM 20.00 for up to 10 pages */**
RM 37.20 for more than 10 pages */**

To view original document:

No fees applicable

*There will be further courier charge in the event you request for the documents to be delivered to your address.
 Additional financing statement request  RM 10.00 per request *
 Restructuring/ rescheduling  No charges
 Processing fee  No processing fee
 Brokerage Fee  Waived
 Monthly Maintenance Fee
(Only applicable for CMTF-i for Home/Property (Full Flexi))		  RM10.00 (applicable upon full disbursement) *

 

* Subject to upon Customer’s request

** (inclusive service tax and/or any applicable taxes imposed from time to time)

 

 

  • Home/Property Financing Early Settlement Fee: 

Early settlement fee:
(A) Property Financing (Individual)

Type of Facility Charges / Fees
New Financing
(as stated in Letter of Offer)		 For full repayment of the outstanding of The Facility made within the lock-in period and the Early Settlement Fee shall be calculated in the manner as set out below:

"Early Settlement Fee" shall mean [(Board Rate - Discounted Rate)] X Original financing amount X number of calendar days from date of first disbursement until date of payment of Settlement Amount (both dates inclusive) /365.

"Original financing amount" shall mean the approved and accepted Total Facility amount.

For this purpose, "Board Rate" shall mean the bank's normal rates provided to customer(s) at the point of issuance of Letter of Offer for the financing, which is usually higher than the discounted rate and "Discounted Rate" shall mean the bank's promotional rates/customer rate at the point of issuance of the Letter of Offer.

Note: Not applicable for Home Financing (Individual) w.e.f 31 March 2025
Pricing variation of existing financing
(as stated in Letter of Variation)		 For full repayment of the outstanding of The Facility made within the lock-in period and the Early Settlement Fee shall be calculated in the manner as set out below:

"Early Settlement Fee" shall mean [(Board Rate - Revised profit/ijarah rate)] X Outstanding amount X number of calendar days from date of profit/ijarah rate conversion until date of payment of Settlement Amount (both dates inclusive) /365.

"Original amount" shall mean the Outstanding of The Facility amount at the date of profit/ijarah rate conversion.

For this purpose, "Board Rate" shall mean the bank's normal rates provided to customer(s) at the point of issuance of Letter of Variation for the financing, which is usually higher than the discounted rate and "Revised profit/Ijarah rate" shall mean the bank's promotional rates/customer rate at the point of issuance of the Letter of Variation.

Note: Not applicable for Home Financing (Individual) w.e.f 31 March 2025

(B) Only applicable for Commodity Murabahah Enabler Home Financing-i

An early settlement charge of 2% on the outstanding amount of the Facility for the full settlement made within the first five (5) years from the date of the final disbursement as stated in the Letter of Offer.



  • Term Financing-i Collateralized by ASB Certificate
Jenis Fi dan caj Penerangan fi dan caj
Duti Setem Jumlah nominal RM10.00 (setiap dokumen) seperti yang termaktub di Akta Setem 1949 (Disemak 1989) (tertakluk pada perubahan yang dikenakan oleh Kerajaan)
Fi Pengendorsan RM 50.00

 

  • Personal Financing-i for Pensioners
 Types of Fee :  Details of Fee :
Stamp duty As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government)
Brokerage Fee  RM30.00 per application
Takaful Contribution Varies accordingly to financing amount, Customer’s age and tenor

 

  • Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility.
  • Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds.

 

  • Personal Financing-i for Civil Sector
Types of Fee : Details of Fee : 
Stamp duty As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government)
Brokerage Fee RM30.00 per application
Collection Fee 2.0% of monthly payment
Takaful Contribution Varies accordingly to financing amount, Customer’s age and payment period

 

  • Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility.
  • Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds.
  • 2.0% collection fee already incorporated in the monthly salary deduction.

 

  • Personal Financing-i for Private Sector
Types of Fee : Details of Fee :
Stamp duty As per the Stamp Duty Act 1949 (Revised 1989) (subject to change that imposed by Government)
Takaful Contribution Varies accordingly to financing amount, Customer’s age and payment period
Brokerage Fee RM30.00 per application

 

  • Bank will inform you within at least 21 calendar days prior to the effective date of implementation should there be any changes in the fees and charges which are applicable to your financing facility.
  • Stamp duty, brokerage fee and Takaful contribution will be deducted from the total financing proceeds.

 


  • Credit Card-i Charges
 Fees and Charges  Description
 Annual Fees
Credit Card-i Type Principal Supplementary
RHB World Mastercard Waived Waived
RHB Rewards / RHB Rewards Motion CodeTM 200.00 Waived
RHB Cash Back 70.00 Waived
RHB Premier Visa Infinite Waived Waived
RHB Shell Visa 195.00 Waived

 Fixed Management Fees
Credit Card-i Type Per Month (RM) Per Annum (RM)
RHB World Mastercard 7,500 90,000
RHB Rewards / RHB Rewards Motion CodeTM 7,500 90,000
RHB Cash Back 5,500 54,000
RHB Premier Visa Infinite 7,500 90,000
RHB Shell Visa 4,500 54,000

 Actual Management Fees

 On Purchases

 Description  Per Month  Per Annum
Cardholders who promptly settle their minimum payment due for 12 consecutive months.  1.25%  15%
Cardholders who promptly settle their minimum payment due of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new Cardholder.  1.42%  17%
Cardholders who do not fall within the above categories.
  1.50%  18%

 

Note: Each Credit Card-i will be charged with Actual Management Fee (AMF) which is calculated based on your outstanding current balance of the month remaining unpaid after the payment due date immediately following the relevant statement date.

To enjoy lower Management Fee for the transactions, you should make at least 10 prompt payments in the last 12 months.

On Cash Advance
Cash advance amount will be taken into consideration when calculating the Actual Monthly Management Fee at a fixed rate of 18% per annum calculated on a daily basis from the date of disbursement until payment in full.

Note: Management Fee will not be compounded into the next outstanding balances. However, the amount due will reduce the available limit accordingly and such limit will be reinstated upon full or partial settlement.

Balance Transfer/CashXcess/Dial-An-Instalment
Balance Transfer (BT), CashXcess (CX) and Dial-An-Instalment (DAI) rates are not fixed and is subject to change.

Automatic Balance Conversion (ABC)
An auto balance conversion for eligible Cardholder in every 12 months by converting the credit card outstanding balances (with a minimum amount of RM1,000) into a 3 years term financing, at an effective profit rate of 13% per annum. Cardholder has the flexibility to opt-out from each conversion offer.

Kindly refer to www.rhbgroup.com (Islamic Banking Page) for the latest BT rates.
Cash Advances Fee 5% of the transaction amount or a minimum of RM15.00, whichever is higher, will be charged on all cash withdrawals.

Cardholders can withdraw up to 50% of their available credit limit or such other limit as determined by RHB Islamic Bank at its discretion from time to time.
Late Payment Compensation Fee If the Cardholder fails to pay the Minimum Monthly payment by the Payment Due Date, a minimum of RM10 or 1% of total outstanding balance as at statement date whichever is higher, up to RM100 will be charged and stated in the Monthly Statement.
Overseas Transaction Conversion Fees If a transaction is made in foreign currency, Visa / MasterCard will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as at the date the transaction is processed by Visa / MasterCard. In addition, you will also pay administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.
Over Limit Fee An over-the-limit fee of RM50 will be imposed whenever the Total Outstanding Balance exceeds the approved credit limit, provided that actual management fee incurred, plus over-the-limit fee does not exceed Fixed Management Fee and Customer consents to it upon signing of the Credit Card-i application form.
Card Replacement Fee
  RM50 per card
Sales Draft Retrieval Copy
  
 Credit Card-i Type  Fee (RM)
 RHB World Mastercard  RM10 per copy
 RHB Rewards / RHB Rewards Motion CodeTM & RHB Cash Back / RHB Premier Visa Infinite / RHB Shell Visa  RM20 per copy

Monthly Hardcopy Statement Fee RM1.00 per hardcopy statement effective March 2019.
Additional Statement Request Fee RM5.00 per copy 
Card Service Tax (CST) RM25.00 per Principal & Supplementary card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed. 
Minimum Monthly Payment  5% of the outstanding balance or a minimum of RM50, whichever is higher.
Management Fee Free Period  20 days from statement date- if all retail transactions of the previous month are fully paid.

 

  • Debit Card-i Charges
 Annual/Issuance Fee*
 RHB Debit Card-i - RM12  RM12.00
(with 0.5% cash back for overseas transaction)
 RHB Debit Card-i - RM8  RM8.00
(without cashback)
 RHB Visa Justice League Debit Card-i

 Issuance fee : RM15.00
Annual fee : RM12.00
(with 0.5% cash back for overseas transaction)
 RHB Platinum Debit Card-i  RM50.00
Waived for the first year.
For the subsequent years, it will be waived subject to RM5,000.00 retail spend per annum or swipe their card a minimum of 5 times in a year.
 RHB Premier Multi Currency Visa Debit Card-i  RM20.00
Waived for the first year provided that the initial deposit on the RHB Multi Currency account is at USD200 equivalent. If the initial deposit is less than USD200, the issuance fees will be charged. The annual fees of RM20.00 will be waived subject to a minimum retail spend of RM3,000.00 per annum.
 RHB Multi Currency Visa Debit Card-i  RM20.00
RHB Corporate MyDebit Card-i
  RM12.00
RHB Easy Debit Card-i  RM12.00
 ATM Withdrawal Fee*
 RHB ATM  Free
 Local Bank MEPS  RM1.00 per withdrawal.
Waived for Platinum Debit Card-i
 Foreign Bank MEPS  RM1.00 per withdrawal
Visa/MasterCard Network
  RM12.00 per withdrawal
Card Replacement Fee
 RHB Debit Card-i - RM12  RM15.00
 RHB Debit Card-i - RM8  RM12.00
 RHB Visa Justice League Debit Card-i  RM18.00
 RHB Platinum Debit Card-i  RM15.00
 RHB Premier Multi Currency Visa Debit Card-i  RM15.00
 RHB Multi Currency Visa Debit Card-i  RM15.00
 RHB Corporate MyDebit Card-i  RM15.00
 RHB Easy Debit Card-i  RM15.00
 MyDebit Cash Out Transaction Fee* (Refer to note below)
  RM0-50 per transaction
 Overseas Transaction Conversion Fee**
 1% of the converted amount.

Note:
Inclusive of any applicable taxes imposed from time to time. For the avoidance of doubt, the Cardmember shall bear all professional fees, taxes (including but not limited to any applicable taxes imposed from time to time), and out-of-pocket expenses incurred and any other fees, expenses or recourse in respect of this Product.

** RHB Multi Currency Visa Debit Card-i / RHB Premier Multi Currency Visa Debit Card-i. If the funds are deducted from any of the 32 Foreign Currencies, there will not be any 1% conversion fee charged on the amount spent. However, if the funds are deducted from the RHB Ringgit Malaysia Account, then the 1% conversion fee is still applicable.
** Not applicable for RHB Corporate MyDebit Card-i
* Not applicable for RHB Corporate MyDebit Card-i

  • RHB Corporate Credit Card-i
Fees and Charges Description
Annual Fees  
 Card Type  Principal
 RHB Corporate Credit Card-i  RM150

Note: No supplementary card applicable for the Corporate Credit Card-i above.
Fixed Management Fee  
 Per Month Per Annum
 RM 7,500  RM 90,000

Note: The Bank will grant a monthly rebate on the difference between monthly Fixed Management Fee against Actual Monthly Management Fees.
Actual Management Fee (AMF)

On Purchases

Description Per Month Per Annum
Companies or cardholders who promptly settle their minimum payment due for 12 consecutive months 1.25% 15%
Companies or cardholders who promptly settle their minimum payment due of at least 10 months or more in a 12-month cycle. The 12 months minimum payment due cycle will not apply to new company or cardholder. 1.42% 17%
Companies or cardholders who do not fall within the above categories 1.50% 18%

To enjoy lower AMF for the retail transactions, company or cardholder should make at least ten (10) prompt payments in the last twelve (12) months.

Note:

  • Each of the Corporate Credit Card-i will be charged with AMF which is calculated based on your outstanding current balance of the month remaining unpaid after the payment due date immediately following the relevant statement date.
  • Management Fee will not be compounded into the next outstanding balances. However, the amount due will reduce the available limit accordingly and such limit will be reinstated upon full or partial settlement.
Cash Advance Fee Not available
Note: Cash Advance feature/function is not allowed for RHB Corporate Credit Card-i.
Late Payment Compensation Fee If the company or cardholder fails to pay the minimum monthly payment by the payment due date, a late payment charge of 1% of the card account on the outstanding balance or RM10.00, whichever is higher, subject to a maximum of RM100.00 will be imposed and stated in the monthly statement.
Overseas Transaction Conversion Fee If a transaction is made in foreign currency, VISA, will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by VISA as at the date it is processed by VISA.

In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.
Any applicable taxes imposed from time to time are applicable for these charges.
Excess Limit Fee A fee of RM50 may be charged whenever the Total Outstanding Balance exceeds the combined card limit due to excess limit transactions.
Card Replacement Fee RM50 per card
Sales Draft Retrieval Copy RM20.00 per copy
Additional Statement Request Fee RM5.00 per copy
Card Service Tax (CST) RM25.00 per principal card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the Corporate Credit Card-i on every twelve (12) months after the date the card is issued or renewed.

 

  • RHB Purchasing Card-i
Fees and Charges Description
Annual Fees
Commercial Card-i Type Principal
RHB Corporate Charge Card-i RM150
RHB Purchasing Charge Card-i RM150

Note: No supplementary card applicable for commercial card-i above.
Finance Charges Finance Charges not applicable to Commercial Charge Card-i where outstanding balance must be settled in full by payment due date.
Cash Advance Fee Not applicable.
Note: Cash Advance feature/ function is not allowed for Commercial Charge Card-i.
Fixed Management Fee
 Per Month  Per Annum
 RM 35,000  RM 420,000

Note: The Bank will grant a monthly rebate on the difference between Fixed Management Fee against Actual Management Fees.
Actual Management Fee (AMF) If the company or cardholder fails to settle the outstanding balance in full by the due date, a minimum fee of RM50.00 or 3.5% of total outstanding balance (whichever is higher) will be charged. AMF is calculated based on the outstanding balance of the month that remains unpaid after the due date immediately following the relevant statement date. AMF will not be charged on fees.
Late Payment Compensation Fee Not applicable to Commercial Charge Card-i as charge is based on Actual Management Fee.
Overseas Transaction Conversion Fee If a transaction is made in foreign currency, VISA will convert the transaction into a Ringgit Malaysia equivalent at the conversion rate as determined by VISA as at the date it is processed by VISA.

In addition, you will also pay the administration costs at 1% or at such other rates as shall be determined by us for the conversion of the transactions made in foreign currencies.

Any applicable taxes imposed from time to time are applicable for these charges.
Excess Limit Fee A fee of RM50 may be charged whenever the total outstanding balance exceeds the combined card limit due to excess limit transactions.
Card Replacement Fee RM50 per card
Sales Draft Retrieval Copy RM20.00 per copy
Additional Statement Request Fee RM5.00 per copy
Card Service Tax (CST) RM25.00 per principal card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed.

  • Standard Tariff & Charges
 No  Product  Standard Tariff and Charges
 Letter of Credit-i (LC-i)
 1  Issuance  0.1% per month
Minimum (Min): RM150

 Amendment

  • Extension of validity date

 

  • Increase in amount

 

  • Other amendments

 

  • 0.1% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment.

 

  • 0.1% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment

 

  • Flat: RM50 for 1st amendment.
    Flat: RM100 for subsequent amendment.
Cancellation RM50 flat
Overdrawn LC-i 0.1% per month
Min: RM50 for 1st overdrawn amount.
Min: RM100 for subsequent overdrawn amount
Expired LC-i 0.1% per month
Min: RM50
 Standby LC-i (SBLC-i)
 2  Issuance Rates as per Application for Accommodation (AA)
1.5% per annum, Min : RM100

 Standby LC Amendment

  • Extension of validity date

 

  • Increase in amount

 

  • Other amendments

 

  • Rates as per AA
    1.5% per annum, Min : RM100

 

  • Rates as per AA
    1.5% per annum, Min : RM100

 

  • Flat: RM50 per request
 Shipping Guarantee-i (SG-i)
 3
  • Under our LC

 

  • Not under our LC

 

  • If the SG-i is not return for cancellation
  • 0.1% flat for first 3 months Min RM100

 

  • 0.2% flat for first 3 months Min RM200

 

  • 0.1% per month
    Min RM50 until SG-i is returned for cancellation.
Inward Bills for Collection-i (IBC-i)
 4  Collection commission  0.1% flat ,Min RM50
Max RM100 for foreign currency
Max RM530 for RM
 Advising Letter of Credit-i (ALC-i)
 5

Advising commission

  • For Beneficiary's Account

 

  • For Local Applicant's Account

 

  • For Foreign Applicant's account

 

  • RM50 flat for customer beneficiary
    RM75 flat for non-customer beneficiary

 

  • RM50 flat for local LC with customer applicant
    RM79.50 flat for local LC with non-customer applicant

 

  • USD50 flat for Foreign LC
 Outward Bills for Collection-i (OBC-i)
 6  Outward Bills for Collection-i (OBC-i)  0.1% flat , Min RM50 ,Max RM100
 Confirmed LC-i
 7  Confirmation commission

Depending on the country/sovereign risk, the confirmation rate will be charged between 0.1% to 0.2% per month or part thereof

  • SME customer: Min RM100
  • Non SME Customer: Min RM200
 Bank Guarantee-i (BG-i)
 8  Issuance/ Renewal Commission  Issuance: 0.125%, Min RM100
 Amendment (on tenor and amount)  Amendment: 0.125%, Min RM100
 Other amendments  RM50 flat per request
 Handling (Service) Charges for non-standard format  RM100 flat
 Lost BG  RM100 flat
 Claims under BG Handling fee  RM50 per claim (to be charged on applicant)
 Over-the-Counter Bank Guarantee-i (OTCBG-i)
 9 Issuance  1.5% per annum, Min RM100
Renewal  1.5% per annum, Min RM100
Amendment (on tenor and amount)  1.5% per annum, Min RM100
Other amendments  RM50 flat per request
Lost BG  RM100 flat
Handling Charges for non-standard format  RM100 flat
Claims under BG Handling fee  RM50 per claim (to be charged on applicant)
 Over-The-Counter LC-i (OTCLC-i)
 10  Issuance  0.1% per month or part thereof
Min: RM150 (Min USD50 or equivalent if charges are for account of foreign beneficiary)

 Amendment

  • Extension of validity date

 

 

 

  • Increase in amount

 

 

 

  • Other amendments
  • 0.1% per month
    Min: RM50 for 1st amendment
    Min: RM100 for subsequent amendment
    (Min.USD25 or equivalent if charges are for account of foreign beneficiary)

 

  • 0.1% per month or part thereof for the incremental value
    Min: RM50 for 1st amendment
    Min: RM100 for subsequent amendment
    (Min.USD25 or equivalent per request if charges are for account of foreign beneficiary)

 

  • Flat: RM50 for 1st amendment.
    Flat: RM100 for subsequent amendment per request
 Cancellation  RM50 flat (exclusive of other miscellaneous charges e.g. swift charges)
 Expired LC-i  0.1% per month or part thereof from LC-i expiry date to the drawing date of the remaining outstanding balance amount
 Overdrawn LC-i  RM50 (Min USD25 or equivalent if charges are for account of foreign beneficiary)

Discrepancy Fee

  • For documents presented under
    our LC-i flat(per presentation)

 

  • Flat (per presentation)
  •  RM50 for RM denominated LC-i

 

  • Equivalent of USD50 for any other foreign currencies)
Inward Bills Acceptance Commission
  • 0.1% per month or part thereof on the usance tenor
  • Min RM100
 If charges are outside Malaysia they are
to be borne by applicant as stated in the LC-i terms and conditions
  • If LC-i in foreign currency, RM2,000 (flat)
  • If LC-i in RM, RM500 (flat)
 Transferable LC-i
 11

Transfer commission

  • Transfer of original LC
  • 0.15% flat on the transfer amount
    Min RM300 (customer with facility)
    Min RM500 (customer with no facility)
Transfer of amendment  RM150 flat
Inwards Bills-LC / Usance LC IBC
Collection Commission		 For Local 2nd Beneficiary
0.1% flat
Min RM50
Max RM100 for foreign currency
Max RM500 for RM

For Foreign 2nd Beneficiary
Flat USD50 or equivalent.
Payment Handling Fee to 2nd Beneficiary RM25 of equivalent of USD20 for any other foreign currencies

Note: To be borne by transferee or 2nd beneficiary and deducted from proceeds.
Flexible Trade Financing-i
 12  Handling Fee  RM50 flat per transaction
Trade Solutions-i
 13  Handling Fee  RM50 flat per transaction
 Trade Bills Purchased-i
 14  Commission 0.1% flat
Minimum RM50
Maximum RM100 for foreign currency
Maximum RM500 for Ringgit
Trade Bills Purchased-i Against LC
 15 Negotiation Commission 0.1% flat
Minimum RM50
Maximum RM100 for foreign currency
Maximum RM500 for Ringgit
Payment Fee ( Charged to For non-financing customer/non-customer/Beneficiary) USD50 as per currency bill or equivalent
General
 16

Postage/Delivery Charges

  • Local Party
  • Normal mail
  • Registered mail o
  • Courier / hand delivery
  • RM2
  • RM3
  • Actual courier/transport charges plus RM5
  • Min RM10

Postage/Delivery Charges

  • Foreign Party
  • Normal mail
  • Registered mail
  • Courier / hand
  • RM3
  • RM5
  • Actual courier/transport charges plus RM5
  • Min RM10
 Telex/SWIFT charges RM10 – RM80 (Depending on destination)
 Fax charges per page RM2 – RM10 (Depending on destination)
 Rentas Cable Charge RM3

  • Foreign Cheques
Foreign Cheques
All Currencies
Foreign Cheques for Collection & Foreign Cheques Purchased
  • Stamp Duty
  • Commission
  • Postage

  • RM0.15
  • 0.1% (Minimum = RM10, Maximum = RM100)
  • RM5
In SGD only
Foreign Cheques for Collection & Foreign Cheques Purchased
  • Stamp Duty
  • Commission
  • Postage plus Collecting Agent's charges (if any)
  • RM0.15
  • 0.1% (Minimum = RM10, Maximum = RM100)
  • RM5
Advice of Dishonour
(Returned FCC / FCP / TCP)
  • Stamp Duty
  • Commission
  • Postage plus Collecting Agent's charges (if any)

  • RM0.15
  • RM10
  • RM5

  • Demand Draft
Service charges / Fees Stamp Duty Cable & Other Charges Mail / Courier Charges
Local Demand Draft (in RM)

For account holder

 RM4.85

RM0.15

NA

 RM0.60
(For Internet Banking Only)

For walk in customer

 RM7.85

RM0.15

Cancellation / Refund

 RM2.00 Stamp Duty: RM10.00
(on indemnity)
Not applicable if the original local Demand Draft is presented for cancellation.

NA

NA

MIDF/MIH Public Issue

For account holder

 RM2.00

RM0.15

NA

NA

For walk in customer

 RM4.85

RM0.15

Foreign Demand Draft (in Foreign Currency) General

Less than RM5,000.00 equivalent

 RM6.00

NA

 Postage: RM1.00

NA

Equal or above RM5,000.00 equivalent

 RM4.00 Postage: RM1.00

Cancellation / Refund / Stop Payment

 RM2.00 Stamp Duty : RM10.00
(on indemnity)
Not applicable if the original Demand Draft is presented for cancellation

Cable Charges : RM10.00
plus Out of Pocket Charges/
Agent Charges

NA

CRS Drafts USD / CRS Drafts Non-USD (EUR, GBP, HKD & NZD)

Less than RM5,000.00 equivalent

 RM6.00 NA Postage: RM1.00
&
Agent Charges:
RM5.00

NA

Equal or above RM5,000.00 equivalent

 RM4.00

Cancellation / Refund / Stop Payment

 On Same Day Issuance only (with physical draft)
Service Charge : RM2.00		 NA NA NA
After Next Day Of Issuance
Service Charge : RM2.00		 Stamp Duty : RM10.00
(if applicable)

Cable Charges: RM10.00

Agent Charges : RM30.00

NA

Photocopy Request on Paid CRS Drafts (USD and non USD Drafts)

 Agent Charges : RM38.00

NA

NA

NA

 

  • Foreign Worker Remittance Services
Foreign Worker Remittance Services

Remittance Service

  • Rupiah
  • Peso
  • Taka
  • Vietnamese Dong
  • Pakistan Rupee
  • Indian Rupee
  • China


Note: Individual and SME Customers will be exempted.

 Telegraphic Transfer
Cable Charges = RM10
Commission = RM2

Bank Draft
Less than RM5,000
Commission = RM2
Postage = RM1

RM5,000 or above
Commission = waived
Postage = RM1

 

  • Commercial Banking / Small Medium Industries
Commercial Banking / Small Medium Industries
Restructuring / Rescheduling of Facility
Restructuring / Rescheduling of Facility Minimum RM200 per request (Not applicable for SME)
Contract Financing
Approval for acceptance of new contract / project Minimum RM200 per request
Progressive drawdown Minimum RM100 for each drawdown
Bridging Financing
Progressive drawdown Minimum RM100 for each drawdown
Redemption of title / Disclaimer letter RM100 each per request
Inspection of Property / Project
For drawdown of facility, site inspection for property without valuation report; visit to ascertain progress of project or stage of construction of property Minimum RM100 per visit
Kafalah fee of Bank Guarantee-i
Kafalah fees will be charged at the actual cost

0.125% per month of the guaranteed amount
Other Charges under Financing
Confirmation / verification of signatories for Government tender(s) RM10 per confirmation
Redemption Statement
  • 1st issuance
  • Subsequent issuance
  • SME
  • RM100
  • RM200
  • RM50

Redemption Statement
  • borrowings account
  • non-borrowings account
  • RM100
  • RM20 (per confirmation per company)
Photocopy of Documents
  • Up to 10 pages
  • 10 pages to 50 pages
  • Each subsequent page
  • RM20
  • RM50
  • RM1
Ad-Hoc and General Requests
Any administrative and / or operational requests & trade related requests which require further approval by RHB Islamic Bank management. Examples are:
  • Temporary OD / excesses
  • Earmarking of facility
  • 3rd party utilization
  • Due diligence confirmation
  • Acceptance of Government format Letter of Guarantee
  • Bank Guarantee backdating
  • Bank Guarantee format variation
  • Exclusion from debenture / negative pledge
  • Release of title(s) for subdivision / amalgamation
  • Amendment / variation to Letter of Offer terms
  • Letter of Support e.g; for tenders
  • Approval for dividend payment
  • Any other request(s) that requires approval
 Minimum RM50 per request
Audit confirmation
  • RM100 per confirmation per company
  • RM50 per confirmation per company
Credit Checking
  • CTOS
  • ROC search via CCM / ROB search via CTOS
  • CCRIS
  • RM10 per search
  • RM20 per search
  • RM10 per name

(Not applicable for SME)

 

  • Telegraphic Transfer
Service Charges / Feesservice Charges / Fees Stamp Duty Cable & Other Charges Courier Charges
Rentas
via Outward Rentas (Over The Counter). RM5 NA NIL NA
Inward Rentas (via direct crediting). NIL NIL
Outward Foreign Telegraphic Transfer
Less than RM5,000 or equivalent RM2 NA SWIFT RM25 NA
Equal or above RM5,000 NIL
Cancellation / Refund / Stop Payment NIL Cable : RM10
plus out of pocket expenses
Inward Foreign Telegraphic Transfer
Payable to an account with RHB Islamic / RHB Bank Berhad RM5.00 NA NA NA

 

  • Other Charges
Other Charges
Stamp Duty on Letter of Indemnity (Current and Savings Account) RM10
Interbank GIRO (IBG)
  • Over the Counter (OTC)
  • Internet Banking (normal transfer)
  • Instant Interbank Fund Transfer (IBFT)
  • RM2 per transaction
  • RM0.10 per transaction
  • RM0.00 per transaction
Contractors requiring branches to verify details on tender forms / letter of confirmation / reference etc Standard format = RM15
Freeflow format = RM50
Current and Savings Account
  • Inter-account funds transfer upon instruction (other than payroll)
 RM5 per transaction



Others

 

A guide to our charges & rates offered.

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
No fee NA NA NA

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
No fee RM 1.00 per piece NA NA

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
No fee NA NA NA

SERVICE COMMISSION / SERVICE CHARGES / INTEREST
Letter of Reference RM15.90 (standard format)
RM53 (customised format)

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
Overdraft renewal RM53
(Individual & SME customers will be exempted)		 NA NA NA

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
No fee NA NA NA

SERVICE COMMISSION / SERVICE CHARGES / INTEREST
Standing Instruction RM5.30
Unsuccessful Standing Instruction (SI) attempt RM5 (insufficient funds)

SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
Transaction Investigation RM10.60 (local currency) NA NA NA
RM31.80 (foreign curriencies)

No Product Standard Tariff and Charges
Letter of Credit (LC)
1.0
Issuance
0.10% per month
Min: RM150
Amendment

 

  • Extension of validity date

 

  • Increase in amount

 

  • Other amendments

 
  • 0.10% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment.

 

  • 0.10% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment

 


  • Flat: RM50 for 1st amendment.
    Flat: RM100 for subsequent amendment.
Cancellation
RM50 flat
Overdrawn LC
0.10% per month
Min: RM50 for 1st overdrawn amount.
Min: RM100 for subsequent overdrawn amount
Expired LC
0.10% per month
Min: RM50
Inward Bills-Usance Letter of Credit (IB-ULC)
2.0
Acceptance commission (charged upon acceptance)
0.10% per month
Min: RM100
Letter of Credit Reimbursement
3.0
(where RHBB is appointed as reimbursing bank)
Flat: RM50 per claim
Over-The-Counter Letter of Credit (OTCLC)
4.0
Issuance
0.10% per month
Min : RM150
Amendment

 

  • Extension of validity date

 

  • Increase in amount

 

  • Other amendments
  • 0.10% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment

 

  • 0.10% per month
    Min : RM50 for 1st amendment.
    Min : RM100 for subsequent amendment

 

  • Flat: RM50 for 1st amendment.
    Flat: RM100 for subsequent amendment per request
Standby Letter of Credit (SBLC)
5.0
Issuance
Rates as per Letter of Offer
Min : RM100
Standby LC Amendment
  • Extension of validity date

 

  • Increase in amount

 

  • Other amendments
  • Rates as per Letter of Offer
    Min : RM100

 

  • Rates as per Letter of Offer
    Min : RM100

 

  • Flat: RM50 per request
Back-to-Back Letter of Credit
6.0
Issuance
0.10% per month
Min : RM300
Amendment
  • Extension of validity date

 

  • Increase in amount

 

  • Other amendments
  • 0.10% per month
    Min: RM100 for 1st amendment.
    Min: RM150 for subsequent amendment.
  • 0.10% per month
    Min: RM100 for 1st amendment.
    Min: RM150 for subsequent amendment.
  • Flat: RM50 for 1st amendment.
    Flat: RM100 for subsequent amendment.

 
Revolving Letter of Credit (LC)
7.0
Issuance
0.10% per month
Min : RM150 (for drawing up to original LC amount)
Amendment
  • Extension of validity date

 

  • Increase in amount

 

  • Other amendments
  • 0.10% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment

 

  • 0.10% per month
    Min: RM50 for 1st amendment.
    Min: RM100 for subsequent amendment

 

  • Flat: RM50 for 1st amendment.
    Flat: RM100 for subsequent amendment
Shipping Guarantee (SG)
8.0
Commission
  • Under our Letter of Credit (LC)

 

  • Not under our LC

 

  • Additional for shipping guarantee not returned after 3 months from issuance date
  • 0.10% flat for first 3 months
    Min RM100

 

  • 0.20% flat for first 3 months
    Min RM200

 

  • 0.10% per month
    Min RM50 until SG is returned for cancellation.
Advance Endorsement (AE)
9.0
  • Under our Letter of Credit (LC)

 

  • Not under our LC
  • 0.10% flat
    Min: RM100
    Max: RM500

 

  • 0.20% flat
    Min: RM200
Inward Bills for Collection (IBC)
10.0
 Collection commission 0.10% flat
Min: RM50
Max: RM100 for foreign currency
Max: RM500 for Ringgit

No Product Standard Tariff and Charges
Letter of Credit (LC) Advising
1.0
Advising commission
  • For Beneficiary's Account

 

  • For Local Applicant's Account
  • RM50 flat for customer beneficiary
    RM75 flat for non-customer beneficiary

 

  • RM50 flat for local LC with customer applicant
    RM75 flat for local LC with non-customer applicant
Outward Bills for Collection (OBC)
2.0
Collection commission
0.10% flat
Min: RM50
Max: RM100
Checking fee for documents under Letter of Credit (LC)
3.0
Checking Fee
RM25 per LC page
Max: RM100
Commission in lieu of exchange
4.0
Commission
  • Exports

 

  • IBC / OBC Deliver documents free of payment
  • 0.10% flat
    Min: RM100
    Max: RM200

 

  • 0.10% flat
    Min: RM50
    Max: RM100
Transfer Letter of Credit (LC)
5.0
Transfer commission
  • Transfer of original LC

 

  • Transfer of amendment
  • Inwards Bills-LC / Usance LC IBC Collection Commission
  • 0.15% flat on the transfer amount
    Min RM300 (borrowing customer)
    Min RM500 (non-borrowing customer)

 

  • RM150 flat

 

  • For Local 2nd Beneficiary
        0.10% flat
        Min: RM50
        Max: RM100 for foreign currency
        Max: RM500 for Ringgit
    For Foreign 2nd Beneficiary
        Flat USD50 or equivalent

No Product Standard Tariff and Charges
Bank Guarantee (BG)
1.0
  • Issuance/ Renewal Commission
  • Amendment (on tenor and amount)
  • Other amendments
  • Handling (Service) Charges for non-standard format
  • Lost BG
  • Claims under BG Handling (Service) fee
  • Rates as per Letter of Offer, Min RM100
  • Rates as per Letter of Offer, Min RM100
  • RM50 flat per request
  • RM100 flat
  • RM100 flat
  • RM50 per claim
    (to be charged on applicant)
Over-the-Counter Bank Guarantee (OTCBG)
2.0
  • Issuance
  • Renewal
  • Amendment (on tenor and amount)
  • Other amendments
  • Lost BG
  • Handling (Service) Charges for non-standard format
  • Claims under BG Handling(Service) Fee
  • 1.50% per annum, Min RM100
  • 1.50% per annum, Min RM100
  • 1.50% per annum, Min RM100
  • Min: RM50 flat per request
  • RM100 flat
  • RM100 flat
  • RM50 per claim
    (to be charged on applicant)
Financial Supply Chain
3.0

Commission

  • Supplier Financing
  • Receivable Financing
  • Distributor Financing

 

  • RM20 for SMEs
    RM50 for Non-SMEs
    upon submission of request / application for financing
Export Factoring Facility - Receivables Purchase Program For Exporters
4.0 Factoring / Receivable Purchase Fee Flat fee ranges in percentage of invoice / receivable / debt value.

Factoring / receivable purchase fee is subject to a few factors including industry, sales turnover, payment terms and credit standing of buyer.
General
5.0

Postage/Delivery Charges

Local Party

  • Normal mail
  • Registered mail
  • Courier / hand delivery

 

Foreign Party

  • Normal mail
  • Registered mail
  • Courier / hand delivery
  • RM2
  • RM3
  • Actual courier/transport charges plus RM5, Min RM10

 

  • RM2
  • RM3
  • Actual courier/transport charges plus RM5, Min RM10
Revenue Stamp
Depending on nature of instrument
Telex/SWIFT charges
RM10 – RM80 (Depending on destination)
Fax charges per page
RM2 – RM10 (Depending on destination)
Rentas Cable Charge
RM3
Other Trade Products
6.0
Flexitab-Invoice Financing Handling (Service) Fees
RM50 flat per transaction for financing amount below RM50,000. Waived for financing amount of RM50,000 and above.
Vendor Financing Scheme Commission
0.10% of transaction amount, Min RM100 and Max RM500
Promissory Note Financing Handling(Service) Fees
RM50 flat per transaction for financing amount below RM50,000 and NIL for financing amount RM50,000 and above

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