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    A guide to our charges & rates offered.
    Savings Account
    Service Commission / Service Charges / Interest
    Closure of account Closure of accounts within 6 months - RM20
    Closure of Basic Savings accounts within 3 months - M20
    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
    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
    **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. Monthly RM5.00 is levied on account if average daily balance is below RM5,000.
    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 Account-i)
    Cheque Processing fee
    • RM0.50 per piece
    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
    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
    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
    Stamp duty on Letter of Indemnity
    • RM10
    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%
    Fixed Deposit
    Service Commission / Service Charges / Interest
    Lost of fixed deposit statement Request for FD Summary – Service Charge RM2.00 per page
    Credit Card
    Fees and Charges Description
    Annual Fees
    Card Type Principal Card
    (RM)    		 Supplementary Card
    (RM)
    Premier Infinite Waived Waived
    Infinite Waived Waived
    World Waived Waived
    Signature Waived Waived
    Platinum Business Waived Waived
    RHB Rewards 200.00 Waived
    RHB Cash Back 70.00 Waived
    MyEG-RHB 88.00 Waived
    Finance Charges

    On Purchases

    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.

    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

    Balance Transfer (BT) rates are not fixed and is subject to change. Kindly refer to www.rhbgroup.com for the latest BT rates.
    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
    Sales Draft Retrieval Copy RM20.00 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.
    Interest Free Period 20 days from statement date- if all retail transactions of the previous month are fully paid
    Cheque Payment

    Effective 2 January 2015, a processing fee of RM0.50 will be charges by the bank processing the cheque in addition to the RM0.15 stamp duty current levied per cheque issued. Hence you are encourage to use our electronic payment via other channels available (Fund Transfer, GIRO, ATM, Internet Banking). Alternatively, if you still wish to pay by cheque, please add RM0.50 into the total amount of your payment. Please take note that this fee is in addition to the existing stamp duty of RM0.15 per cheque leaf.

    The following service charge will be imposed on cheque and cash payment made for credit card and loan repayment received via the following channels:
    i) Service charge of RM2.00 for payment received Over-The-Counter (OTC) - Effective 1 July 2018
    ii) Service charge of RM0.50 for payment received via Cheque or Cash Deposit Machine (CQT or CDM) - Effective March 2019
    Debit Card
    Service Commission / Service Charges / Interest
    Joining fee RM0
    Card replacement fee RM15
    Production of sales draft RM20
    Cash Withdrawal Fee Free at all RHB ATMs
    RM4.00 at Foreign Bank MEPS
    RM12.00 at Visa/MasterCard Network
    Overseas transaction 1% of the transactions made in foreign currencies
    Housing Loan
    Service Fees and Charges Amount (inclusive of any applicable taxes imposed from time to time)
    Redraw Fee RM50 per transaction for MY1 Flexi Home Loan
    Redemption statement
    (per account per request)     		RM50
    Letter of confirmation for EPF withdrawal 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
    Monthly maintenance fee No charges
    Vehicle Financing
    Item Fees and Charges Amount
    HP Agreement RM10.00 per agreement for stamp duty
    Supplementary HP Agreement RM 20.00 per agreement for documentation and stamp duty
    Variation on HP Agreement upon request
    		 RM 10.00 per agreement for stamp duty
    Postal charges
    • RM 3.10 for account without guarantor
    • RM 6.20 for account with 1 guarantor
    • RM 9.30 for account with 2 guarantors
    Road tax renewal RM 10.00 per transaction
    Redemption statement (as requested by third party)
    		 RM 30.00 per request
    Discharge and release letter by third party (as requested by third party)
    		 RM 30.00 per request
    FIS Data Reference (FIS) charges
    		 RM 4.20 per transaction
    Request for retrieval and copy of documents
    • Additional HP statement
    • Issuance of letter of consent for transfer of vehicle from East Malaysia to West Malaysia and vice versa
    • Issuance of letter of undertaking for insurance/ takaful claim
    • Audit confirmation per account
    • Request for copy of HP’s documents
    		 RM 22.00 per request
    Photocopy of HP agreement RM 25.00 per request
    Industrial Hire Purchase
    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
    eIPO Services
    Service Commission / Service Charges / Interest
    eIPO Application via online or ATM RM2.50 per application

    Payments

    A guide to our charges & rates offered.
    Bill Payments
    SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES
    No fee NA NA NA
    Demand Draft

    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
    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
    Interbank GIRO (IBG)
    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
    Instant Transfer
    DETAILS SERVICE CHARGES / FEE
    Transaction via RHB Now Internet Banking
    Immediate Transactions RM0.00
    Future Dated / Recurring Transaction RM0.00
    Telegraphic Transfer/ Rentas
    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
    Less than RM5,000 or equivalent RM2.00 NA SWIFT RM25.00 NA
    Equal or above RM5,000 NIL NA SWIFT RM25.00 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 RM5.00 NA NA NA
    Travellers Cheques
    SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES COURIER CHARGES
    Purchase of Travellers Cheques 1% on amount
    (Minimum RM10.00 per transaction for purchase of TC)     		RM0.15 per piece Postage : RM2.00 NA
    Foreign Cheque for Collection
    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
    Foreign Cheque Purchased
    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.

    Foreign Worker Remittance
    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
    Peso 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.

    Credit Card and Loan/Financing Repayment
    TYPES OF FEES & CHARGES (Tentatively w.e.f. July 2018) AMOUNT
    Credit Card and Loan/Financing repayment using cash/cheque over-the-counter RM2.00
    Credit Card and Loan/Financing repayment using cash deposit machine/cheque deposit machine RM0.50

    RHB Reflex

    A guide to our charges & rates offered.
    No. Description Standard Package SME Package
    1.

    Monthly Subscription Fee
    (Basic/Premium)

    Note:
    Basic Package – For Viewing Only

    Premium Package – For Viewing & Transactions

    		 RM30.00 Waived

    Note:
    Reflex Basic Lite Package
    Only limited features are available, please click here for more information.

    Note:
    Reflex Premium Lite Package
    Only limited features are available, please click here for more information.

    2.
    Security Token
    Requirement
     
    a) Basic Package
     
     
     
     
     
     
    b) Premium Package
     
     
     
    a.  No token required. Login is via password
     
     
         
    b.  Requires (min) 4 Tokens:
      • Two (2) Tokens Free-of-Charge for 2 System Administrators
      • Two (2) Tokens for Users at RM50.00/user
         
    Additional token = RM50.00/user
         
     
     
     
    a.  No token required. Login is via password
     
         
         
    b.  Requires (min) 4 Tokens:
      • Two (2) Tokens Free-of-Charge for 2 System Administrators
      • Two (2) Tokens for Free-of-Charge
         
    Additional token = RM50.00/user
         
    3. Token Renewal Fee Waived Waived
    4.
    Intra-Bank
    (within RHB)
     
    a.  Single Module
      • Own Account
      • Third Party Account
         
    b.  Bulk Module
      • Own Account
      • Third Party Account
         
     
     
     
    a.  Free-of-charge
    b.  Free-of-charge
       
       
       
    a.  Free-of-charge
    b.  Free-of-charge
       
     
     
     
    a.  Free-of-charge
    b.  Free-of-charge
       
       
       
    a. Free-of-charge
    b. Free-of-charge
       

    5.
    IBG (Interbank GIRO)
    a. Single Module
    b. Bulk Module
     
    a.  RM0.10
    b.  RM0.10/transaction
     
    a.  RM0.10
    b.  RM0.10/transaction
    6. RENTAS RM4.00 RM2.00
    7. Payroll Intra-bank (within RHB Bank) Free-of-charge Free-of-charge
    8. Payroll via IBG
    (Interbank GIRO)    		 RM0.10/transaction RM0.10/transaction
    9. Payroll via RENTAS RM4.00 RM2.00
    10. Statutory body payment for EPF, SOCSO & IRB Free-of-charge Free-of-charge
    11.
    Outward TT
    a. Transaction amount less
      than RM5,000
    b. Transaction amount
      equal or more than
      RM5,000
    c.  Additional charges
      (applicable for transaction
      with OUR charges option
      only)

    RM22.00
       
    RM20.00
       
       
    MYR100 per transaction.
       
       
       


    RM22.00
       
    RM20.00
       
       
    MYR100 per transaction.
       
       
       

    12. DuitNow ID (Registration)
    		 Free-of-charge 
    		 Free-of-charge 
    13.
    DuitNow
    a. Transaction < RM5001
    b. Transaction > RM5001

    Free-of-charge  
    RM0.50  


    Free-of-charge 
    RM0.50  

    14.
    Instant Transfer
    a. Transaction < RM5001 
    b. Transaction > RM5001 

    Free-of-charge 
    RM0.50    


    Free-of-charge 
    RM0.50    

    * Note:
    The SME package is only applicable to companies which fall under the BNM's definition of SME.

    IBG Transaction Limit is RM 1,000,000 per transaction

    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 2300hours 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
    No. Description Standard Package SME Package
    1. Monthly Subscription Fee
    (Basic/Premium)

    Note:
     Basic Package – For Viewing Only

    Premium Package – For Viewing & Transactions     		RM30.00 Waived

    Note:
    Reflex Basic Lite Package
     Only limited features are available, please click here for more information.

    Note:
    Reflex Premium Lite Package
    Only limited features are available, please click here for more information.

    2.
    Security Token
    Requirement
     
    a) Basic Package
     
     
     
     
     
     
    b) Premium Package
     
     
     
    a.  No token required. Login is via password
     
     
         
    b.  Requires (min) 4 Tokens:
      • Two (2) Tokens Free-of-Charge for 2 System Administrators
      • Two (2) Tokens for Users at RM50.00/user
         
    Additional token = RM50.00/user
         
     
     
     
    a. No token required. Login is via password
     
         
         
    b.  Requires (min) 4 Tokens:
      • Two (2) Tokens Free-of-Charge for 2 System Administrators
      • Two (2) Tokens for Free-ofCharger
         
    Additional token = RM50.00/user
         
    3. Token Renewal Fee Waived Waived
    4.
    Intra-Bank
    (within RHB)
     
    a.  Single Module
      • Own Account
      • Third Party Account
         
    b.  Bulk Module
      • Own Account
      • Third Party Account
         
     
     
     
    a.  Free-of-charge
    b.  Free-of-charge
       
       
       
    a.  Free-of-charge
    b.  Free-of-charge
       
     
     
     
    a.  Free-of-charge
    b.  Free-of-charge
       
       
       
    a.  Free-of-charge
    b.  Free-of-charge
       

    5.
    IBG (Interbank GIRO)
    a. Single Module
    b. Bulk Module
     
    a.  RM0.10
    b.  RM0.10/transaction
     
    a.  RM0.10
    b.  RM0.10/transaction
    6. RENTAS RM4.00 RM2.00
    7. Payroll Intra-bank (within RHB Bank) Free-of-charge Free-of-charge
    8. Payroll via IBG
    (Interbank GIRO)         		RM0.10/transaction RM0.10/transaction
    9. Payroll via RENTAS RM4.00 RM2.00
    10. Statutory body payment for EPF, SOCSO & IRB Free-of-charge Free-of-charge
    11.
    Outward TT
    a. Transaction amount less
      than RM5,000
    b. Transaction amount
      equal or more than
      RM5,000
    c.  Additional charges
      (applicable for transaction
      with OUR charges option
      only)

    RM22.00
       
    RM20.00
       
       
    MYR100 per transaction.
       
       
       


    RM22.00
       
    RM20.00
       
       
    MYR100 per transaction.
       
       
       

    12. DuitNow ID (Registration)
    		 Free-of-charge 
    		 Free-of-charge 
    13.
    DuitNow
    a. Transaction < RM5001
    b. Transaction > RM5001

    Free-of-charge  
    RM0.50  


    Free-of-charge 
    RM0.50  

    14.
    Instant Transfer
    a. Transaction < RM5001 
    b. Transaction > RM5001 

    Free-of-charge 
    RM0.50    


    Free-of-charge 
    RM0.50    

    * Note:
    The SME package is only applicable to companies which fall under the BNM's definition of SME.

    IBG Transaction Limit is RM 1,000,000 per transaction

    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 2300hours 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

    A guide to our charges & rates offered.
    BOX SIZE TIER 1 TIER 2
    Below 600 cu.in. RM276.00 RM252.00
    601 to 1,000 cu.in. RM336.00 RM300.00
    1,001 to 2,000 cu.in. RM396.00 RM348.00
    Above 2,000 cu.in. RM456.00 RM396.00
    SERVICE COMMISSION / SERVICE CHARGES / INTEREST
    Initial key deposit upon opening of account RM250
    Stamp duty on agreement RM10
    Lost / Replacement of Keys
    Lost 1 key : Replacement Actual cost subject to minimum RM100
    Lost 2 keys : Force Opening Actual cost subject to minimum RM300
    Force Opening Charges Actual cost incurred

    Please click here to find out the branches under TIER 1, and TIER 2.

    Islamic

    A guide to our charges & rates offered.
    Qard Current Account-i & Savings Account-i
    Commodity Murabahah Current Account-i & Savings Account-i
    Investment Account
    Financing-i
    Cards
    Others
    Inquiry

    Others

    A guide to our charges & rates offered.
    Account Address Change
    SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
    No fee NA NA NA
    Cheque Book Order
    SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
    No fee RM 0.15 per piece NA NA
    Daily Transaction Limit Change
    SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
    No fee NA NA NA
    Letter of Reference
    SERVICE COMMISSION / SERVICE CHARGES / INTEREST
    Letter of Reference RM15.90 (standard format)
    RM53 (customised format)
    Overdraft Renewal
    SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
    Overdraft renewal RM53
    (Individual & SME customers will be exempted)     		NA NA NA
    Phone Number Update
    SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
    No fee NA NA NA
    Standing Instruction
    SERVICE COMMISSION / SERVICE CHARGES / INTEREST
    Standing Instruction RM5.30
    Unsuccessful Standing Instruction (SI) attempt RM5 (insufficient funds)
    Transaction Investigation
    SERVICE CHARGES / FEES STAMP DUTY CABLE & OTHER CHARGES MAIL / COURIER CHARGES
    Transaction Investigation RM10.60 (local currency) NA NA NA
    RM31.80 (foreign curriencies)
    Imports
    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
    Exports
    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
    General Trade
    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

     

    • RM3
    • RM5
    • 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 Financing Handling (Service) Fees
    RM50 flat per transaction
    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
    TIER 1 Branches
    Selangor
    • Taman Megah
    • SS2, Sg Way Subang
    • New Town, Petaling Jaya
    • IOI Boulevard, Puchong
    • Persiaran Sultan Ibrahim, Klang
    • Section 14, Petaling Jaya
    • Ampang Point
    • Kajang
    • Jalan Stesen, Klang
    • Port Klang
    • Banting
    • The Trillium, Lake Fields
    W. Persekutuan
    • KL Main, Jln Tun Razak
    • Taman Midah
    • Jalan Pasar
    • Kepong
    • Segambut
    • Setapak
    • OUG
    • Bangsar Shopping Centre
    • Menara Shell
    • Bandar Mahkota Cheras
    • IOI Resort City
    • Bandar Sri Petaling
    • Bandar Sri Permaisuri
    Perak
    • Gunung Rapat
    • Sitiawan
    • Parit Buntar
    • Teluk Intan
    • Kampar
    • Air Tawar
    • Tasek
    • Jln Tun Sambanthan, Ipoh
    • Taiping
    • Jelapang
    • Persiaran Greenhill, Ipoh
    Johor
    • Segamat
    • Jalan Dato' Rauf, Kluang
    • Taman Sentosa
    • Taman Ungku Tun Aminah
    • JB City Square
    • Ulu Tiram
    • Kulai
    Melaka
    • Jalan Hang Tuah
    Kedah
    • Tmn Pekan Baru, Sg Petani
    • Jln Tunku Ibrahim, Alor Setar
    • Mergong, Alor Setar
    • Taman Semarak, Kulim
    Sabah
    • Lahad Datu
    • Inanam
    • Keningau
    • Wisma Khoo, Sandakan
    • Jalan Gaya, Kota Kinabalu
    Sarawak
    • Miri
    • Sibu
    • Tabuan Jaya
    TIER 2 Branches
    Selangor
    • Sungai Pelek
    • Bandar Baru Sungai Buloh
    W. Persekutuan
    • Jalan Tun HS Lee
    Perak
    • Bagan Serai
    • Sungai Siput
    Johor
    • Muar
    • Batu Pahat
    • Yong Peng
    • Simpang Rengam
    Sarawak
    • Jln Padungan, Kuching
    • Bintulu
    Kedah
    • Jalan Kuala Kedah
    Penang
    • Butterworth
    East Coast
    • Kuala Terengganu
    • Pasir Mas
    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 (PWCA-i)
    Closing of account within 3 months RM 20
    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
    Monthly Service Charge (if Premier Banking criteria are not maintained) RM 80.00 per month
    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
    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)
    Hire Purchase-i (Fixed Rate)/ Vehicle Financing-i (Variable Rate) Fees and Charges Amount (inclusive of GST)
    HP Agreement RM10.00 per agreement for stamp duty
    Supplementary HP Agreement RM 20.00 per agreement for documentation and stamp duty
    Variation on HP Agreement upon request
    		 RM 10.00 per agreement for stamp duty
    Postal charges
    • RM 3.10 for account without guarantor
    • RM 6.20 for account with 1 guarantor
    • RM 9.30 for account with 2 guarantors
    Road tax renewal RM 10.00 per transaction
    Redemption statement (as requested by third party)
    		 RM 30.00 per request
    Discharge and release letter by third party (as requested by third party)
    		 RM 30.00 per request
    FIS Data Reference (FIS) charges
    		 RM 4.20 per transaction
    Request for retrieval and copy of documents
    • Additional HP statement
    • Issuance of letter of consent for transfer of vehicle from East Malaysia to West Malaysia and vice versa
    • Issuance of letter of undertaking for insurance/ takaful claim
    • Audit confirmation per account
    • Request for copy of HP’s documents
    		 RM 22.00 per request
    Photocopy of HP agreement RM 25.00 per request
    Equity Home Financing-i
    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
    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 *
    Confirmation statement from bank on
    financing repayment details for subsidy
    claim on employer    		 RM20.00 *
    Financing repayment details for income tax
    deduction    		 RM20.00 *
    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)

    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
    Credit Card Charges
    World / Reward / Cash Back  
    Joining fee

    RM0
    Card replacement fee RM50 for each replacement card issued
    Cash advance fee 5% of amount advanced or a minimum of RM15.00, whichever is higher
    Sales Draft Retrieval Copy
    Credit Card-i Type Fee (RM)
    World 10.00 per copy
    Reward /
    Cash Back    		 20.00 per copy
    Over limit fee RM50 per occurrence 
    Whenever the Total Outstanding Balance including all charges levied by the bank exceeds the Combined Credit Limit
    Additional statement request RM5.00 per copy
    Late Payment Charge Min RM10 or 1% of total outstanding up to max RM100
    Overseas transaction 1% of the transactions made in foreign currencies
    Actual Management Fee

    On Retail Purchases

    Description Fee 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%
    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 Charges
    ATM withdrawal fee  
    RHB ATM
    Free
    Local Bank MEPS RM1.00 per withdrawal.
    Waived for Platinum Debit Card-i
    Foreign Bank MEPS RM4.00 per withdrawal
    Visa / MasterCard Network RM12.00 per withdrawal
    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
    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’s charges : RM30.00


    NA

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

    		 Agent’s 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 Request : 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
    Personal
    Premier
    Insurance
    Business
    RHB Group
    Islamic
    Investment Banking
    Asset Management
    RHB Now
    RHB Reflex
    RHB TradeSmart
    RHB Invest
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