Service | Commission / Service Charges / Interest | ||||||
Closure of account | Closure of accounts within 6 months - RM20 Closure of Basic Savings accounts within 3 months - RM20 |
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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) |
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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 |
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Service charges |
Basic Savings Account (Option 1) – No Bankcard Annual Fee
Basic Savings Account (Option 2) – With RM8.00 Bankcard Annual Fee
Easy-Simpanan Mesra
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:
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Inward Returned Cheque | Due to postdated: RM10.00 on payee |
Service | Commission/ Service Charges/ Interest | ||||||||
Service Charges |
Current Account (without OD facility)
My1 Account |
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Basic Current Account (Option 1 – No Bankcard Annual Fee) |
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Basic Current Account (Option 2 – With RM8 Bankcard Annual Fee) |
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Cheque Returned
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Re-clearing of Cheques |
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Stop Payment Cheque
Upon Presentation of cheque
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Cheque Processing fee |
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Uncollected returned cheque |
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Cheque encashment by accountholder at non domicile branch |
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Depositing of House Cheque over-the-counter |
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Closure of Account |
MaxCash Account, RHB Smart Account-i & Basic Current Account
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Intrabank Fund Transfer via instruction (account to account other than payroll services) |
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Other Charges | |||||||||
Currrent Account Hardcopy Statement Charge |
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Cheque Book
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Service charges on Dormant Account |
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Audit Confirmation
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Mandate Form |
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Duplicate Statements |
i) Within 1 year from original statement date
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Photocopies of cheques, pay in slips, advices & cheque images |
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Request for changes of signatories/ conditions for Current Account |
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Coins deposit (individual & SME customers will be exempted) |
*Not applicable for Basic Current Account |
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Changing of coins (individual & SME customers will be exempted) |
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Third party encashment of Pre-printed “Account Payee Only” crossing cheque |
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Bulk cash deposits (Individual & SME customers will be exempted) |
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House Cheque Immediate credit (Individual & SME customers will be exempted) |
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Interest on Overdrawn Amount (TOD) |
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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
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Cheque Return
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Stop Payment Cheque
Upon presentation of cheque
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Dormant Account (no activity for 6 months) | RM10.00 annually |
Duplicate Statements
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Standing Instruction
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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 |
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Finance Charges |
On Purchases
To enjoy lower finance charges for the retail transactions, you should make at least 10 prompt payments in the last 12 months. |
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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. |
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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. |
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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 |
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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: b) All monthly instalments due (contracted Easy Payment Plan, Balance Transfer Plan, CashXcess Plan and all other instalment plans available from time to time, if any) signed up from 2 October 2019; c) The contracted monthly term loan instalment for any Automatic Balance Conversion if any; d) Any unpaid minimum repayments specified in the preceding month’s statement (if any); e) Amount in excess of the Card Limit during the statement month (if any); and f) Card Service Tax and any other value added taxes imposed. OR g) A minimum amount of RM50 from the Outstanding Balance, whichever is higher. |
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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 |
|
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Finance Charges |
Finance charges for Retail Purchases for credit cards:
Finance charges for Retail Purchases for Business Platinum: |
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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: b) The contracted monthly term loan instalment for any Automatic Balance Conversion if any; c) Any unpaid minimum payments specified in the preceding month’s statement (if any); d) Amount in excess of the Card Limit during the statement month (if any); and e) Card Service Tax and any other value added taxes imposed. Or A minimum amount of RM50 from the Outstanding Balance, whichever is higher. Not applicable to charge cards where outstanding balance must be settled in full by Payment Due Date. |
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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. |
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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 |
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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
(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. |
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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 |
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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 |
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Request for retrieval and copy of documents
|
RM13.00 per request |
|
RM13.00 per request |
|
RM 14.00 per request |
|
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.
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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 |
|
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 |
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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. |
Fees and Charges | Description |
Finance Charges | 15% p.a.on the outstanding amount not fully paid by the payment due date, calculated on daily rest. |
Late Payment Charges | If the customer fails to pay the monthly repayment by the payment due date, a late payment charge of 1% of total outstanding amount due in arrears will be imposed |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | COURIER CHARGES |
No fee | NA | NA | NA |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES | |
For account holder | RM4.85 | RM1.00 | NA | RM0.60 (For Internet Banking Only) |
For walk in customer | RM7.85 | RM1.00 | NA | RM0.60 (For Internet Banking Only) |
Cancellation / Refund | RM2.00 | Stamp Duty : RM10.00 (on indemnity) Not applicable if the original local Demand Draft is presented for cancellation. |
NA | NA |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES | |
For account holder | RM2.00 | RM1.00 | NA | NA |
For walk in customer | RM4.85 | RM1.00 | NA | NA |
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 |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES | |
Less than RM5,000.00 equivalent | RM6.00 | NA | Postage RM1.00 & Agent Charges RM32.00 |
NA |
Equal or above RM5,000.00 equivalent | RM4.00 | NA | Postage RM1.00 & Agent Charges RM32.00 |
NA |
Cancellation / Refund / Stop Payment | On Same Day Issuance only (with physical draft) Service charge : RM2.00 |
NA | NA | NA |
After Next Day Of Issuance Service charge : RM2.00 |
Stamp Duty : RM10.00 (if applicable) |
Cable charges: RM10.00 Agent's charges : RM30.00 |
NA | |
Photocopy Request on Paid CRS Drafts (USD and non USD Drafts) | Agent's charges : R38.00 | NA | NA | NA |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | COURIER CHARGES | |
RHB Basic Savings Account (BSA) and RHB Basic Current Account (BCA) | ||||
Over the counter transactions | RM0.50 for the 1st 2 transactions for the month. Subsequent transactions will be charged RM2.00 | NA | NA | NA |
Transaction via Internet Banking | RM0.00 | NA | NA | NA |
Other Deposit Accounts | ||||
Over the counter transactions | RM2.00 | NA | NA | NA |
Transaction via Internet Banking | RM0.00 | NA | NA | NA |
DETAILS | SERVICE CHARGES / FEE |
Transaction via RHB Now Internet Banking | |
Immediate Transactions | RM0.00 |
Future Dated / Recurring Transaction | RM0.00 |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | COURIER CHARGES | |
Rentas | ||||
via Outward Rentas (Over The Counter). | RM5.00 | NA | NIL | NA |
Inward Rentas (via direct crediting). | NIL | NA | NIL | NA |
BNM link ABM link AIBIM link |
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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) | ||||
|
RM2.00 | NA | SWIFT RM25.00 | NA |
|
NA | NA | SWIFT RM25.00 | NA |
|
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 |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | |
All currencies except SGD | Commission : 0.1% Min : RM10.00 Max : RM100.00 |
RM1.00 | Postage : RM5.00 |
In SGD only | Commission : 0.1% Min : RM5.00 Max : RM100.00 |
RM1.00 | Postage : RM5.00 |
Advice of Dishonour (Returned FCC / FCP / TCP) |
Commission : RM10.00 | RM1.00 | Postage : RM5.00 plus collecting Agent's Charges (if any) |
Other Remittance Service
Charges for other Remittance Services are available upon request at any of RHB Bank Bhd's branches nearest to you.
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | COURIER CHARGES | |
Bank Draft (Less than RM5,000 equivalent) | ||||
Rupiah Remittance Service | RM2.00 | NA | Postage RM1.00 | NA |
Taka Remittance Service | RM2.00 | NA | Postage RM1.00 | NA |
Vietnamese Dong | RM2.00 | NA | Postage RM1.00 | NA |
Pakistan Rupee | RM2.00 | NA | Postage RM1.00 | NA |
Indian Rupee | RM2.00 | NA | Postage RM1.00 | NA |
China | RM2.00 | NA | Postage RM1.00 | NA |
Bank Draft (Equal or above RM5,000 equivalent) | ||||
Rupiah Remittance Service | Waived | NA | Postage RM1.00 | NA |
Peso Remittance Service | Waived | NA | Postage RM1.00 | NA |
Taka Remittance Service | Waived | NA | Postage RM1.00 | NA |
Vietnamese Dong | Waived | NA | Postage RM1.00 | NA |
Pakistan Rupee | Waived | NA | Postage RM1.00 | NA |
Indian Rupee | Waived | NA | Postage RM1.00 | NA |
China | Waived | NA | Postage RM1.00 | NA |
Foreign Worker Telegraphic Transfer* |
||||
Rupiah Remittance Service | RM2.00 |
NA | Cable Charges RM10.00 |
NA |
Peso Remittance Service | RM2.00 |
NA | Cable Charges RM10.00 | NA |
Taka Remittance Service | RM2.00 |
NA | Cable Charges RM10.00 |
NA |
Vietnamese Dong | RM2.00 |
NA | Cable Charges RM10.00 |
NA |
Pakistan Rupee | RM2.00 |
NA | Cable Charges RM10.00 | NA |
Indian Rupee | RM2.00 |
NA | Cable Charges RM10.00 | NA |
China | RM2.00 |
NA | Cable Charges RM10.00 | NA |
* Commission RM2.00 is waived if remittance amount is above RM5,000.
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | Mail/Courier Charges | |
All currencies except SGD | Commission : 0.1% Min : RM10.00 Max : RM100.00 |
RM1.00 | Postage : RM5.00 plus collecting Agent's Charges (if any) |
NA |
SGD drawn in Singapore only | Commission : 0.1% Min : RM5.00 Max : RM100.00 |
RM1.00 | Postage : RM5.00 | NA |
USD drawn in Singapore for amount USD500 and above | Commission : 0.1% Min : RM10.00 Max : RM100.00 Additional commission charged at RM equivalent of USD15.00 |
RM1.00 | Postage : RM5.00 | NA |
USD drawn in Singapore for amount less than USD 500 | Commission : 0.1% Min : RM10.00 Max : RM100.00 |
RM1.00 | Postage : RM5.00 | NA |
Brunei Dollar | Commission : 0.1% Min : RM10.00 Max : RM100.00 |
RM1.00 | Postage : RM5.00 Telex charges : BND10.00 equivalent per telex sent |
NA |
USD drawn in Wells Fargo Bank | Commission : 0.1% Min : RM10.00 Max : RM100.00 |
RM1.00 | Postage : RM5.00 Agent Charges : USD30.00 Rejection : USD20.00 Returned : USD30.00 |
NA |
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
|
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3. |
Intra-Bank (within RHB) a) Single Transaction
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)
|
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
|
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
|
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
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 |
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 |
Qard Current Account-i & Basic 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
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Cheque Returned
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Delivery of Inward Returned Cheque Upon Request | RM10.00 (by courier) |
Reclearing of Cheques | RM50 per cheque |
Stop Payment Cheque
Upon presentation of cheque
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Closure of Current Account (Not applicable for Transition Account)
Closure of Current Account (Applicable for Transition Account and Premier Qard Current Account‑i)
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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
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Mandate Form
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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
RM20.00 per request plus RM2.00 per page
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Dormant Account (no activity for 6 months) | RM10.00 annually |
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List of Transition Account:
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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 :
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Option 2 (Bankcard Annual Fee RM8.48) |
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Closing of account within 3 months | RM20 |
Cheque Book
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Cheque Return
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Stop Payment Cheque
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Dormant Account (no activity for 6 months) | RM10.00 annually |
Duplicate Statements
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Standing Instruction
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Replacement of passbook due to:
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Closure of Savings Account
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RM20 |
Dormant Account (no activity for 12 months) | RM10.00 annually |
List of Transition Account*:
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Closure of Account | RM20 (if closed within 3 months of account opening) |
Option 1 (No Bankcard Annual Fee) |
16 free monthly transactions :
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Option 2 (Bankcard Annual Fee RM8.48) |
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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 | |
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 | |
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 |
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 |
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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) |
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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 |
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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 |
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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 |
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Debit Card |
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The fees for Premier Current Account-i
Cheque Book
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RM0.15 per piece RM25 per cheque book |
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Cheque Returned
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RM150 per cheque No charges RM10 (on payee’s account) |
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Delivery Of Inward Returned Cheque Upon Request | RM10 (by courier) | ||||||||||||
Reclearing of Cheques | RM50 per cheque | ||||||||||||
Stop Payment Cheque
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RM20 per cheque RM20 per request (with police report) RM10 per cheque RM100 per cheque |
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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
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RM10 RM10 |
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Request For Change Of Signatories / Conditions For Current Account | Service Charge = RM10 per account | ||||||||||||
Duplicate Bank Statements
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RM10 per request plus RM2 per page RM20 per request plus RM2 per page |
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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
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Waived RM2 RM15.50 |
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RHB Islamic Debit Card Fee |
* 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) | 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 | |
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
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Additional Documents due to certain terms and conditions imposed
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Additional documents required for opening of L/C
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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
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RM 13.00 per request |
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RM 14.00 per request |
Photocopy of the Facility Agreement | RM 25.00 per request |
Redraw Fee (applicable for VF-i Flexi Redraw only) | RM 18.50 per transaction |
Equity Home/Property Financing-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 | 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)
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.
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 |
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 |
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 |
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 |
Fees and Charges | Description | ||||||||||||||||||
Annual Fees |
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Fixed Management Fees |
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Actual Management Fees |
On Purchases
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. |
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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. |
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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 |
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Monthly Hardcopy Statement Fee | RM1.00 per hardcopy statement effective March 2019. | ||||||||||||||||||
Additional Statement Request Fee | RM5.00 per copy | ||||||||||||||||||
Card Service Tax (CST) | RM25.00 per Principal & Supplementary card on a yearly basis. CST shall be imposed on the date of new card activation or renewal of the credit card on every twelve months after the date the card is issued or renewed. | ||||||||||||||||||
Minimum Monthly Payment | 5% of the outstanding balance or a minimum of RM50, whichever is higher. | ||||||||||||||||||
Management Fee Free Period | 20 days from statement date- if all retail transactions of the previous month are fully paid. |
Annual/Issuance Fee* | |||||
RHB Debit Card-i - RM12 | RM12.00 (with 0.5% cash back for overseas transaction) |
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RHB Debit Card-i - RM8 | RM8.00 (without cashback) |
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RHB Visa Justice League Debit Card-i |
Issuance fee : RM15.00 Annual fee : RM12.00 (with 0.5% cash back for overseas transaction) |
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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. |
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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. |
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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 |
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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 |
Fees and Charges | Description | ||||||||||||
Annual Fees |
Note: No supplementary card applicable for the Corporate Credit Card-i above. |
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Fixed Management Fee |
Note: The Bank will grant a monthly rebate on the difference between monthly Fixed Management Fee against Actual Monthly Management Fees. |
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Actual Management Fee (AMF) |
On Purchases
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.
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Cash Advance Fee | Not available Note: Cash Advance feature/function is not allowed for RHB Corporate Credit Card-i. |
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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. |
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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. |
Fees and Charges | Description | ||||||
Annual Fees |
Note: No supplementary card applicable for commercial card-i above. |
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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. |
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Fixed Management Fee |
Note: The Bank will grant a monthly rebate on the difference between Fixed Management Fee against Actual Management Fees. |
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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. |
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Late Payment Compensation Fee | Not applicable to Commercial Charge Card-i as charge is based on Actual Management Fee. |
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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. |
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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. |
No | Product | Standard Tariff and Charges |
Letter of Credit-i (LC-i) | ||
1 | Issuance | 0.1% per month Minimum (Min): RM150 |
Amendment
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Cancellation | RM50 flat | |
Overdrawn LC-i | 0.1% per month Min: RM50 for 1st overdrawn amount. Min: RM100 for subsequent overdrawn amount |
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Expired LC-i | 0.1% per month Min: RM50 |
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Standby LC-i (SBLC-i) | ||
2 | Issuance | Rates as per Application for Accommodation (AA) 1.5% per annum, Min : RM100 |
Standby LC Amendment
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Shipping Guarantee-i (SG-i) | ||
3 |
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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
|
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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
|
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
|
|
|
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
|
|
|
Inward Bills Acceptance Commission |
|
|
If charges are outside Malaysia they are to be borne by applicant as stated in the LC-i terms and conditions |
|
|
Transferable LC-i | ||
11 |
Transfer commission
|
|
Transfer of amendment | RM150 flat | |
Inwards Bills-LC / Usance LC IBC Collection Commission |
For Local 2nd Beneficiary 0.1% flat Min RM50 Max RM100 for foreign currency Max RM500 for RM For Foreign 2nd Beneficiary Flat USD50 or equivalent. |
|
Payment Handling Fee to 2nd Beneficiary | RM25 of equivalent of USD20 for any other foreign currencies Note: To be borne by transferee or 2nd beneficiary and deducted from proceeds. |
|
Flexible Trade Financing-i | ||
12 | Handling Fee | RM50 flat per transaction |
Trade Solutions-i | ||
13 | Handling Fee | RM50 flat per transaction |
Trade Bills Purchased-i | ||
14 | Commission | 0.1% flat Minimum RM50 Maximum RM100 for foreign currency Maximum RM500 for Ringgit |
Trade Bills Purchased-i Against LC | ||
15 | Negotiation Commission | 0.1% flat Minimum RM50 Maximum RM100 for foreign currency Maximum RM500 for Ringgit |
Payment Fee ( Charged to For non-financing customer/non-customer/Beneficiary) | USD50 as per currency bill or equivalent | |
General | ||
16 |
Postage/Delivery Charges
|
|
Postage/Delivery Charges
|
|
|
Telex/SWIFT charges | RM10 – RM80 (Depending on destination) | |
Fax charges per page | RM2 – RM10 (Depending on destination) | |
Rentas Cable Charge | RM3 |
Foreign Cheques | |
---|---|
All Currencies Foreign Cheques for Collection & Foreign Cheques Purchased
|
|
In SGD only Foreign Cheques for Collection & Foreign Cheques Purchased
|
|
Advice of Dishonour (Returned FCC / FCP / TCP)
|
|
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 |
|||
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 |
NA |
|
CRS Drafts USD / CRS Drafts Non-USD (EUR, GBP, HKD & NZD) |
|||||
Less than RM5,000.00 equivalent |
RM6.00 | NA | Postage: RM1.00 & Agent Charges: RM5.00
|
NA |
|
Equal or above RM5,000.00 equivalent |
RM4.00 | ||||
Cancellation / Refund / Stop Payment |
On Same Day Issuance only (with physical draft) Service Charge : RM2.00 |
NA | NA | NA | |
After Next Day Of Issuance Service Charge : RM2.00 |
Stamp Duty : RM10.00 (if applicable) |
Cable Charges: RM10.00 Agent Charges : RM30.00 |
NA |
||
Photocopy Request on Paid CRS Drafts (USD and non USD Drafts) |
Agent Charges : RM38.00 |
NA |
NA |
NA |
Foreign Worker Remittance Services | |
---|---|
Remittance Service
|
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 | |||||
---|---|---|---|---|---|
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 | ||||
|
|
||||
|
|
||||
|
|
||||
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:
|
Minimum RM50 per request | ||||
Audit confirmation |
|
||||
Credit Checking
|
(Not applicable for SME) |
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 | |
---|---|
Stamp Duty on Letter of Indemnity (Current and Savings Account) | RM10 |
Interbank GIRO (IBG)
|
|
Contractors requiring branches to verify details on tender forms / letter of confirmation / reference etc | Standard format = RM15 Freeflow format = RM50 |
Current and Savings Account
|
RM5 per transaction |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES |
---|---|---|---|
No fee | NA | NA | NA |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES |
---|---|---|---|
No fee | RM 1.00 per piece | NA | NA |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES |
---|---|---|---|
No fee | NA | NA | NA |
SERVICE | COMMISSION / SERVICE CHARGES / INTEREST |
---|---|
Letter of Reference | RM15.90 (standard format) RM53 (customised format) |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES | |
---|---|---|---|---|
Overdraft renewal | RM53 (Individual & SME customers will be exempted) |
NA | NA | NA |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES |
---|---|---|---|
No fee | NA | NA | NA |
SERVICE | COMMISSION / SERVICE CHARGES / INTEREST |
---|---|
Standing Instruction | RM5.30 |
Unsuccessful Standing Instruction (SI) attempt | RM5 (insufficient funds) |
SERVICE CHARGES / FEES | STAMP DUTY | CABLE & OTHER CHARGES | MAIL / COURIER CHARGES | |
---|---|---|---|---|
Transaction Investigation | RM10.60 (local currency) | NA | NA | NA |
RM31.80 (foreign curriencies) |
No | Product | Standard Tariff and Charges |
---|---|---|
Letter of Credit (LC) | ||
1.0
|
Issuance
|
0.10% per month
Min: RM150 |
Amendment
|
|
|
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
|
|
|
Standby Letter of Credit (SBLC) | ||
5.0
|
Issuance
|
Rates as per Letter of Offer
Min : RM100 |
Standby LC Amendment
|
|
|
Back-to-Back Letter of Credit | ||
6.0
|
Issuance
|
0.10% per month
Min : RM300 |
Amendment
|
|
|
Revolving Letter of Credit (LC) | ||
7.0
|
Issuance
|
0.10% per month
Min : RM150 (for drawing up to original LC amount) |
Amendment
|
|
|
Shipping Guarantee (SG) | ||
8.0
|
Commission
|
|
Advance Endorsement (AE) | ||
9.0
|
|
|
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
|
|
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
|
|
Transfer Letter of Credit (LC) | ||
5.0
|
Transfer commission
|
|
No | Product | Standard Tariff and Charges |
---|---|---|
Bank Guarantee (BG) | ||
1.0
|
|
|
Over-the-Counter Bank Guarantee (OTCBG) | ||
2.0
|
|
|
Financial Supply Chain | ||
3.0
|
Commission
|
|
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
Foreign Party
|
|
Revenue Stamp
|
Depending on nature of instrument
|
|
Telex/SWIFT charges
|
RM10 – RM80 (Depending on destination)
|
|
Fax charges per page
|
RM2 – RM10 (Depending on destination)
|
|
Rentas Cable Charge
|
RM3
|
|
Other Trade Products | ||
6.0
|
Flexitab-Invoice Financing Handling (Service) Fees
|
RM50 flat per transaction for financing amount below RM50,000. Waived for financing amount of RM50,000 and above.
|
Vendor Financing Scheme Commission
|
0.10% of transaction amount, Min RM100 and Max RM500
|
|
Promissory Note Financing Handling(Service) Fees
|
RM50 flat per transaction for financing amount below RM50,000 and NIL for financing amount RM50,000 and above
|
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