Online Journey Corporate


Online Journey Corporate Internet Banking provides ease of banking services via simple and user friendly internet banking connections.

Services offered:

  • Bulk Payment (salary crediting facility)
  • DuitNow
  • Financing Payment
  • Foreign Funds Transfer (FTT)
  • Intrabank Transfer
  • Interbank Transfer
  • Instant Transfer
  • JOMPAY
  • RENTAS
  • Term Deposit Placement & Withdrawal

Provides online access to the most updated account information such as :

  • Account inquiry
  • Cheque Management
  • Change pin for Corporate Debit Card
  • Statement downloading & Printing

Types of Payment Services offered under e-banking:

1) Payment services consists of:

  • Debit card consists of MyDebit and Visa Debit
  • E-wallet
  • RENTAS
  • SWIFT

SERVICES/FUNCTIONS NOT AVAILABLE TO CUSTOMER DURING NIGHT MODE

The following are the services/functions not available during night mode (start time of night mode is 12.00am and end time of night mode is 5.00am) for CIB customer:-

  1. Cheque Book Request
  2. e-Trade Services
  3. Financing Payment
  4. Foreign Telegraphic Transfer (SWIFT) (Note: This would follow market/branch open and close time)
  5. RENTAS (Note: This would follow RENTAS cut-off time)
  6. Stop Cheque
  7. TD-i Placement
  8. TD-i Withdrawal
  9. Transaction History for CASA and Financing

SERVICES OPERATING HOURS, LIMITS, FEES AND CHARGES
Description Corporate Internet Banking (CIB)
Internet Banking*
A. INTRABANK (Within MBSB Bank)
Fees and Charges (RM per transaction) FOC
Daily Transaction Limit (RM per account per day) Resident
  • 1st Party and/or 3rd Party – Any Amount
Non-Resident
  • Up to 10,000 (1st and/or 3rd Party) of combined limit with IBG, RENTAS, SWIFT and other electronic means
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments YES
Operating Hours 24/7 (Except during “Night Mode” for certain transactions. Refer NOTES.)
Crediting Time Business Day : Immediate
Non-Business Day : Immediate
Refund Time for Unsuccessful Transaction Same Business Day to 3 Business Days or on best effort basis
B. INTERBANK GIRO (IBG) (To Other Banks Within Malaysia)
Fees and Charges (RM per transaction) FOC
Daily Transaction Limit (RM per account per day) Resident
  • Up to 1,000,000 per transaction (maximum of 10,000,000 in total)
Non-Resident
  • Up to 10,000 of combined limit with Intrabank, RENTAS, SWIFT and other electronic means
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments YES
Operating Hours 24/7 (Except during “Night Mode” for certain transactions. Refer NOTES.)
Crediting Time
Payment Initiated by Customers *Funds Received by Beneficiaries
Business Days (Monday - Friday) Before 5:00 am Same Business Day By 11:00 am
5:01 am to 8:00 am By 2:00pm
8:01 am to 11:00 am By 5:00 pm
11:01 am to 2:00 pm By 8:20 pm
2:01 pm to 5:00 pm By 11:00 pm
After 5:00pm Next business day By 11.00 am
Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11:00 am
Refund Time for Unsuccessful Transaction
Payment Initiated by Customers *Refund for Unsuccessful Transactions
Business Days (Monday - Friday) Before 5:00 am Same Business Day By 5:00 pm
5:01 am to 8:00 am By 8:20pm
8:01 am to 11:00 am By 11:00 pm
11:01 am to 2:00 pm By 11:00 am, next business day
2:01 pm to 5:00 pm
After 5:00pm Next business day By 5.00 5m
Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11:00 am
C. INTERBANK RENTAS (To Other Banks Within Malaysia)
Fees and Charges (RM per transaction) Outward RENTAS : SME: 2.00; Non-SME: 4.00
Inward RENTAS : FOC
Daily Transaction Limit (RM per account per day) Resident
  • Minimum of 10,000
Non-Resident
  • Up to 10,000 of combined limit with Intrabank, IBG, SWIFT and other electronic means
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments YES
Operating Hours 24/7 (Except during “Night Mode” for certain transactions. Refer NOTES.)
Crediting Time Business Day:
Before 3.00pm-Same day crediting
After 3.00pm-Next Business Day crediting
Non-Business Day:
Next Business Day crediting
Refund Time for Unsuccessful Transaction Within 3 Business Days or on best effort basis
D. INTERBANK SWIFT (To Other Banks Outside Malaysia)
Fees and Charges (RM per transaction) Outward FTT : Commission: 2.00; Cost of Wire: 30.00
Inward FTT : 10.00 flat rate
Daily Transaction Limit (RM per account per day) Resident
  • Up to 50,000
Non-Resident
  • Up to 10,000 of combined limit with Intrabank, IBG, RENTAS and other electronic means
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments NA
Operating Hours 24/7 (Except during “Night Mode” for certain transactions. Refer NOTES.)
Crediting Time Business Day:
Before 3.30pm-Same day processing
After 3.30pm-Next Business Day processing
Non-Business Day:
Next Business Day processing
Refund Time for Unsuccessful Transaction Within 3 Business Days or on best effort basis
E. DuitNow Transaction
Fees and Charges (RM per transaction) 5K and below : FOC
More than 5K : RM0.50 per transaction
Daily Transaction Limit (RM per account per day) Resident
  • Up to 10,000,000 per transaction
Non-Resident
  • Up to 10,000 of combined limit with IBG, Intrabank, SWIFT and other electronic means except ATM/CRM
Payment Reference: Availability of payer's and beneficiary's name with payment reference in beneficiary's and payer's bank statement respectively YES
Future-Dated Payments YES
Operating Hours 24/7
Crediting Time Business Day : Immediate
Non-Business Day : Immediate
Refund Time for Unsuccessful Transaction N/A

Note:

  1. LIMITS ARE BASED ON PAYNET’S PREVAILING REGULATIONS, “BNM FEA DEPARTMENT’S DIRECTION TO FINANCIAL INSTITUTIONS (BNM/RH/CIR 000-2)” DOCUMENT ISSUED ON 28/06/2013 AND SUBJECT TO CHANGES.
  2. FEES AND CHARGES ARE BASED ON “BNM CIRCULAR ON MEASURES TO ACCELERATE THE MIGRATION TO ELECTRONIC PAYMENTS FOR THE BANKING SECTOR” AND SUBJECT TO CHANGES.
  3. DURING “NIGHT MODE” i.e. BETWEEN 12.00AM TO 5.00AM, THE FOLLOWING TRANSACTIONS CANNOT BE PERFORMED:
    Corporate Internet Banking (CIB)
    Bulk Payment
    Cheque Book Request
    e-Trade Services
    Interbank SWIFT
    Interbank RENTAS
    Payment for Financing Account
    Payroll
    Stop Payment on Cheque
    TD-i Placement
    TD-i Withdrawal
    Transaction History for CASA & Financing
  4. BUSINESS DAY REFERS TO BUSINESS DAY IN FEDERAL TERRITORY (MONDAY – FRIDAY).
  5. NON-BUSINESS DAY REFERS TO SATURDAY, SUNDAY AND FEDERAL TERRITORY PUBLIC HOLIDAYS.
  6. FOC = FREE OF CHARGE
  7. * REFER TO CIB PACKAGES.

* CIB PACKAGES
Description Inquiry Package Inquiry & Transactional Package
SME Non-SME
Single Payment Monthly Fee FOC FOC RM20.00 per user
Intrabank Fund Transfer (within/not within own company)(RM per transaction) Not Allowed FOC FOC
Interbank GIRO (IBG) (RM per transaction) FOC FOC
Interbank RENTAS (RM per transaction) RM2.00 RM4.00
Interbank SWIFT (RM per transaction)(FTT excluding overseas agent charges) Outward FTT
Commission: 2.00; Cost of Wire: 30.00
Inward FTT
10.00 flat rate
DuitNow Not Allowed ≤ 5K :
FOC
> 5K :
RM0.50 per transaction
Bulk Payment / Salary Payment / Payroll Intrabank Fund Transfer (RM per transaction) Not Allowed FOC FOC
Interbank GIRO (IBG) (RM per transaction) FOC FOC
Interbank RENTAS (RM per transaction) RM2.00 RM4.00
EPF, SOCSO, LHDN & ZAKAT (RM per transaction) FOC FOC
Security Token N/A 1st 2 Tokens FOC. Additional Token chargeable at RM150.00 each (one time charge) 1st 2 Tokens FOC. Additional Token chargeable at RM150.00 each (one time charge)

Note:

  1. FEES AND CHARGES ARE BASED ON “BNM CIRCULAR ON MEASURES TO ACCELERATE THE MIGRATION TO ELECTRONIC PAYMENTS FOR THE BANKING SECTOR” AND SUBJECT TO CHANGES.
  2. FEES AND CHARGES ARE SUBJECT TO AVAILABILITY OF THE PRODUCTS AND SERVICES.
  3. FEES AND CHARGES COULD BE WAIVED SUBJECT TO MANAGEMENT’S DISCRETION.
  4. DEFINITION OF SME: For Manufacturing Sector, sales turnover not exceeding RM50mil or full-time employees not exceeding 200 workers; for Services and Other Sectors, sales turnover not exceeding RM20mil or full-time employees not exceeding 75 workers.

  5. Category Micro Small Medium
    Manufacturing Sales turnover of less than RM300,000 OR full-time employees less than 5 Sales turnover from RM300,000 to less than RM15 million OR full-time employees from 5 to less than 75 Sales turnover from RM15 million to not exceeding RM50 million OR full-time employees from 75 to not exceeding 200
    Services & Other Sectors Sales turnover from RM300,000 to less than RM3 million OR full-time employees from 5 to less than 30 Sales turnover from RM3 million to not exceeding RM20 million OR full-time employees from 30 to not exceeding 75

  6. SOLE-PROPRIETOR AND PARTNERSHIP ARE UNDER THE SAME GROUP WITH SME.
  7. FOC = FREE OF CHARGE

USER GUIDES

  1. Quick Guide - DP275 Token PIN

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