Banking Service Charges

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 1 year from original statement date
RM10.00 per request plus RM2.00 per page

ii) Above 1 year from original statement date
RM 20.00 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 1 year from statement date	No
Above 1 year from statement date	Yes ( i.e. RM20 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

RM0.15 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 1 year from original statement date
RM10.00 per request plus RM2.00 per page

ii) Above 1 year from original statement date
RM 20.00 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	RM0.15 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 Photocopies of cheques, pay-in-slips, advices and cheque images	Within 1 year from original statement date RM10.00 per request plus RM2.00 per page Above 1 year from original statement date RM20.00 per request plus RM2.00 per page RM10.00 per copy
Standing Instruction Over the Counter (OTC) Interbank	RM5.00 per transaction

Service	Commission / Service Charges / Interest
Lost of fixed deposit statement	Request for FD Summary – Service Charge 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
Description	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.

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.

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 (inclusive 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 Banking Facility is cancelled prior to the disbursement of the Banking Facility.

Early settlement fee

(A) All Type of Housing Loan (except RHB My1 Enabler Home Loan) / Commercial Property Financing

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.

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.

(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
Issuance of letter of consent for transfer of Vehicle from East Malaysia to West Malaysia and vice versa	RM13.00 per request
Issuance of letter of undertaking for insurance/ takaful claim	RM 14.00 per request
Request for copy of HP’s documents	RM 14.00 per request
Photocopy of HP Agreement	RM 25.00 per request

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.

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	RM0.15	NA	RM0.60 (For Internet Banking Only)
For walk in customer	RM7.85	RM0.15	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	RM0.15	NA	NA
For walk in customer	RM4.85	RM0.15	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
Cancellation / Refund / Stop Payment	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	RM0.15	Postage : RM5.00
In SGD only	Commission : 0.1% Min : RM5.00 Max : RM100.00	RM0.15	Postage : RM5.00
Advice of Dishonour (Returned FCC / FCP / TCP)	Commission : RM10.00	RM0.15	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	RM0.15	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	RM0.15	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	RM0.15	Postage : RM5.00	NA
USD drawn in Singapore for amount less than USD 500	Commission : 0.1% Min : RM10.00 Max : RM100.00	RM0.15	Postage : RM5.00	NA
Brunei Dollar	Commission : 0.1% Min : RM10.00 Max : RM100.00	RM0.15	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	RM0.15	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.

Qard Current Account-i & Basic Current Account-i

Current Account-i & Basic Current Account-i

Current Account-i

Service Fee (not applicable for Premier Qard Current Account-i)	RM10.00 half yearly service fee if average balance is less then RM1,000 in preceeding 6 months
Cheque Book Stamp Duty Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder	RM0.15 per piece RM 25.00 per cheque book (Not applicable for Transition Account) RM 20.00 per cheque book (Applicable for Transition Account only)
Cheque Returned due to insufficient funds due to technical reasons due to post dated (inward returned)	RM150 per cheque No charge RM10 .00(on payee)
Delivery of Inward Returned Cheque Upon Request	RM10.00 (by courier)
Reclearing of Cheques	RM50 per cheque
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 RM 150 per cheque (Not applicable for Transition Account) RM 100 per cheque (Applicable for Transition Account* and Premier Qard Current Account-i)
Closure of Current Account (Not applicable for Transition Account) within 6 months of opening after 6 months of opening Closure of Current Account (Applicable for Transition Account and Premier Qard Current Account‑i) Within 3 months of opening After 3 months of opening	RM20 RM10.00 RM20 No charges
Cheque Processing Fee	RM0.50 per piece
Encashment of Pre-printed "A/C Payee Only" crossing third party	RM2.00 per cheque (charged to drawer's account)
House Cheque Immediate Credit (Individual & SME customers will be exempted)	Waived
Mandate Form Stamp Duty Service Charge	RM10 RM10.00
Duplicate Statements Photocopies of cheques, pay-in-slips, advices and cheque images	i. Within 1 year from original statement date RM10.00 per request plus RM2.00 per page ii. Above 1 year from original statement date RM20.00 per request plus RM2.00 per page RM10.00 per copy
Dormant Account (no activity for 6 months)	RM10.00 annually
Over the counter (OTC) (Interbranch) Over the counter (OTC) (Interbank)	RM5.00 Waived (for Transition Account only) RM7.00 RM5.00 (for Transition Account only)
List of Transition Account: Qard Current Account II-i Bank@Work Current Account-i Qard Current Account II-i (Non-Profit Organizations) Az-Zahra Qard Current Account-i

Basic Current Account-i (BCA)

Half yearly Service Charge	RM10.00 (if monthly average balance is below RM1,000 in the preceding 6 months)
Closure of Account	RM20 (if closed within 3 months of account opening)
Option 1 (No Bankcard Annual Fee)	16 free monthly transactions : 6 free over-the-counter (OTC) visits per month 1st eight ATM cash withdrawal per month = free Subsequent = RM0.50 each 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction
Option 2 (Bankcard Annual Fee RM8.48)	Unlimited number of ATM and OTC transactions 1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction

Premier Qard Current Account-i

Closing of account within 3 months	RM20
Cheque Book Stamp Duty Cancellation of Long Outstanding Uncollected Cheque Book after issuing of reminder	RM0.15 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 Upon instruction Due to lost of cheque book Photocopies of cheques, pay-in-slips, advices and cheque images	Within 1 year from original statement date RM10.00 per request plus RM2.00 per page Above 1 year from original statement date RM20.00 per request plus RM2.00 per page RM10.00 per copy
Standing Instruction Over the Counter (OTC) Interbank	RM5.00 per transaction

Savings Account-i & Basic Savings Account-i

Savings Account-i

Replacement of passbook due to: (i) Lost passbook Service Charge Stamp Duty (ii) Poor handling, mutilated, faded etc Service Charge	RM10 RM10 RM10
Closure of Savings Account Within 6 months of account opening Within 3 months of account opening (for Transition Account* only)	RM20
Dormant Account (no activity for 12 months)	RM10.00 annually
*List of Transition Account:** Qard Savings Account II-i Bank@Work Savings Account-i Junior Qard Savings Account-i (Passbook) Junior Qard Savings Account-i (Non-Passbook) Senior Qard Savings Account-i Easy Kad Debit-i

Basic Savings Account-i (BSA)

Closure of Account

RM20 (if closed within 3 months of account opening)

Option 1
(No Bankcard Annual Fee)

16 free monthly transactions :

6 free over-the-counter (OTC) visits per month
1st eight ATM cash withdrawal per month = free
Subsequent = RM0.50 each
1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction

Option 2
(Bankcard Annual Fee RM8.48)

Unlimited number of ATM and OTC transactions
1st two GIRO OTC transactions at RM0.50 each thereafter at RM2.00 per transaction

Basic Savings Account-i

Basic Savings Account-i	Service Charges
Replacement of passbook	No passbook for Basic Savings Account-i
Early Closure of Account	RM20 (if closed within 3 months of account opening). No charge if closed after 3 months.
Option 1 (No Bankcard Annual Fee)	Option 1 (Product code 130) – No Bankcard Annual Fee 16 monthly transactions: 6 free Over-the-Counter (OTC) visits at branch (e.g. account enquiries, bills payment, deposits, withdrawals and fund transfers within the same bank) Each transaction after the 6th visit will be charged RM0.50. Note: OTC visit is defined as one visit to the bank’s counter irrespective of the number of transactions performed. 8 free ATM cash withdrawal transactions. Each transaction after the 8th will be charged RM0.50. Note: There’s no limit on ATM transactions that are not cash withdrawal (e.g. balance enquiry or fund transfer within the same bank) First 2 Interbank GIRO transaction is charged RM0.50 per transaction, thereafter at RM2.00 per transaction.
Option 2 (Bankcard Annual Fee RM8.00)	Option 2 (Product code 131) – With RM8.00 Bankcard Annual Fee Unlimited OTC & ATM cash withdrawal transactions First 2 Interbank GIRO transaction is charged RM0.50 per transaction, thereafter at RM2.00 per transaction.
Inward Returned Cheque	Due to postdated – RM10.00 on payee
Dormant Account (account with no activity / transaction for one year)	Annual service charge = RM10.00 If account balance less than RM10, system will auto close the account and absorb the balance as a fee after a reminder.
Bankcard	RM8.00 Annual Fee (Waived for staff) RM12 Replacement of card fee due to lost/stolen/damage/PIN forgotten

Savings Account-i

Savings Account-i
Early Closure of Account	RM20 (if closed within 3 months of account opening). No charge if closed after 3 months.
Dormant Account (account with no activity / transaction for 12 months)	Annual service charge = RM10.00 If account balance less than RM10, system will auto close the account. The balance shall be treated as the service charge.

Card Type	Annual/Issuance Fee	Replacement Fee
RHB Debit Card-i - RM12	RM12.00 (with 0.5% cash back for overseas transaction)	RM15.00
RHB Debit Card-i - RM8	RM8.00 (without cashback)	RM12.00
RHB Visa Justice League Debit Card-i	Issuance fee : RM15.00 Annual fee : RM12.00 (with 0.5% cash back for overseas transaction)	RM18.00
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.	RM15.00

Children Account-i

Children Account-i
Early Closure of Account	RM20 (if closed within 3 months of account opening). No charge if closed after 3 months.
Dormant Account (account with no activity / transaction for 12 months)	Annual service charge = RM10.00 If account balance less than RM10, system will auto close the account. The balance shall be treated as the service charge.

Card Type	Annual/Issuance Fee	Replacement Fee
RHB Debit Card-i - RM12	RM12.00 (with 0.5% cash back for overseas transaction)	RM15.00
RHB Debit Card-i - RM8	RM8.00 (without cashback)	RM12.00

Current Account-i

Half Yearly Service Charge

RM10.00 if monthly average balance is less than RM1,000 in the preceding 6 months

Cheque Book
Stamp Duty
Cancellation of Long Outstanding Uncollected Cheque Book after issuance of reminder

RM0.15 per piece
RM20.00 per cheque book

Cheque Returned
due to insufficient funds
due to technical reasons
due to postdated (inward returned)

RM150 per cheque
No charge
RM10.00 (on payee’s account)

Delivery Of Inward Returned Cheque Upon Request

*RM10.00 (by courier)

Reclearing Of Cheques

*RM50 per cheque

Stop Payment Cheque
Upon instruction
Due to lost of cheque book

Upon Presentation Of Cheque
if sufficient funds
if insufficient funds

RM10.00 per cheque
RM10.00 per instruction (with police report)

RM10.00 per cheque
RM100 per cheque

Early Closure Of Current Account
Within 3 months of opening

RM20

Cheque Processing Fee

RM 0.50 per piece

Encashment Of Cheque By The Bearer

RM2.00 per cheque (charged to drawer's account)

Mandate Form
Stamp Duty
Service Charge

RM10
RM10.00

Statements Request

RM2.00 per page regardless of the statement period

Photocopies Of Cheques, Pay-in-Slips, Advices And Cheque Images

RM10.00 per copy

Dormant Account (account with no activity / transaction for 6 months)

RM10.00 annually

Transfer Of Fund Via Standing Instruction (SI)
Direct Credit
IBG
Payment Order (Demand Draft)
Penalty charge imposed if fail at 1st attempt

Waived
RM2.00
RM10.50
Waived

Debit Card

Card Type	Annual/Issuance Fee	Replacement Fee
RHB Debit Card-i - RM12	RM12.00 (with 0.5% cash back for overseas transaction)	RM15.00
RHB Debit Card-i - RM8	RM8.00 (without cashback)	RM12.00
RHB Visa Justice League Debit Card-i	Issuance fee: RM15.00 Annual fee: RM12.00 (with 0.5% cash back for overseas transaction)	RM18.00
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.	RM15.00

Premier Current Account-i

The fees for Premier Current Account-i

Cheque Book

Stamp Duty
Cancellation of Long Outstanding Uncollected Cheque Book After Issuance Of Reminder

RM0.15 per piece
RM25 per cheque book

Cheque Returned

due to insufficient funds
due to technical reasons
due to postdated (inward returned)

RM150 per cheque
No charges
RM10 (on payee’s account)

Delivery Of Inward Returned Cheque Upon Request

RM10 (by courier)

Reclearing of Cheques

RM50 per cheque

Stop Payment Cheque

Upon instruction
Due to loss of cheque book

Upon presentation of cheque

if sufficient funds
if insufficient funds

RM20 per cheque
RM20 per request (with police report)

RM10 per cheque
RM100 per cheque

Early Account Closure
Within 3 months of opening

RM20

Cheque Processing Fee

RM 0.50 per piece

Encashment Of Pre-Printed “A/C Payee Only” Crossing By Third Party

RM2 per cheque (charged to drawer’s account)

House Cheque
Immediate Credit (Individual & SME customers will be exempted)

Waived

Mandate Form

Stamp Duty
Service Charge

RM10
RM10

Request For Change Of Signatories / Conditions For Current Account

Service Charge = RM10 per account

Duplicate Bank Statements

Within 1 year from original statement date
Above 1 year from original statement date

RM10 per request plus RM2 per page

RM20 per request plus RM2 per page

Duplicate Or Photocopies Of Cheques, Pay-In-Slips, Advices And Cheque Images

RM10 per document

Dormant Account
(no activity for 6 months)

RM10 annually

Intra Bank Fund Transfer
(Other than payroll)

RM5

Transfer of Fund Visa Standing Instruction

Direct Credit
IBG
Payment Order

Waived
RM2
RM15.50

RHB Islamic Debit Card Fee

Card Type	Annual Fee (RM)	*Replacement Card Fee (RM)
Debit Card‑i	12	15
Debit Card‑i (Generic)	8	12
Islamic Platinum Debit Card‑i	50*	15

* 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.

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)

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 Issuance of letter of consent for transfer of Vehicle from East Malaysia to West Malaysia and vice versa	RM 13.00 per request
Issuance of letter of undertaking for insurance/ takaful claim Request for copy of the Facility documents	RM 14.00 per request
Photocopy of the Facility Agreement	RM 25.00 per request

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) All Type of Home Financing (except Commodity Murabahah Enabler Home Financing-i) / Property Financing

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.
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.

(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)

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
2	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
15	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

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.

MIDF/MIH Public Issue

For account holder

RM2.00

RM0.15

For walk in customer

RM4.85

RM0.15

Foreign Demand Draft (in Foreign Currency) General

Less than RM5,000.00 equivalent

RM6.00

Postage: RM1.00

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

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

Less than RM5,000.00 equivalent

RM6.00

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

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

After Next Day Of Issuance
Service Charge : RM2.00

Stamp Duty : RM10.00
(if applicable)

Cable Charges: RM10.00

Agent Charges : RM30.00

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

Agent Charges : RM38.00

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	NA	NIL	NA
Outward Foreign Telegraphic Transfer
Less than RM5,000 or equivalent	RM2	NA	SWIFT RM25	NA
Equal or above RM5,000	NIL		SWIFT RM25
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 0.15 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
Transaction Investigation	RM31.80 (foreign curriencies)	NA	NA	NA

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
4.0	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
5.0	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
6.0	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)
7.0	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