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Interbank GIRO (IBG)

Interbank GIRO (IBG) is an interbank fund transfer system provided by Payments Network Malaysia Sdn Bhd (PayNet).

	Channels
	GO Mobile Banking	Internet Banking	ATM	Branch
Daily Transaction Limit	RM50,000 (shared limit)	RM50,000 (shared limit)	RM30,000 (shared limit)	RM500,000
Payment Reference
Availability of payers’ names and payment references in beneficiaries’ bank statement	Yes	Yes	Yes	Hardcopy statement – Yes
Availability of beneficiaries’ names and payment references in payers’ bank statement	Yes	Yes	Yes	Hardcopy statement – Yes
Recurring Payment	No	Yes	No	Yes
Future-Dated Payment Note: We will process all future-dated payment in Window 1 of the date set by the payer, subject to the “Funds Availability” below	No	Yes	No	Yes
Operating Hours	24 hours	24 hours	24 hours	Banking hours

Days	Transaction cut-off time	Funds availability* (by 12:00 midnight)	Refund for Unsuccessful Transaction
Business Day (Monday – Friday)	Window 1: Before 5:00am	Same Day By 11:00am	Same Day By 5:00pm
	Window 2: 5:01am to 8:00am	Same Day By 2:00pm	Same Day By 8:00pm
	Window 3: 8:01am to 11:00am	Same Day By 5:00pm	Same Day By 11:00pm
	Window 4: 11:01am to 2:00pm	Same Day By 8:00pm	Next Business Day By 11:00am
	Window 5: 2:01pm to 5:00pm	Same Day By 11:00pm	Next Business Day By 11:00am
	After 5:00pm: Funds will be credited on Window 1 next business day	Next Business Day By 11:00am	Next Business Day By 5:00pm
Non-Business Day(Saturday, Sunday and Federal Territory Public Holidays)		Next Business Day By 11:00am	Next Business Day By 5:00pm

* Note: The exact time of funds availability depends on the receiving Financial Institution.

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