Home > Fees and Charges   Fees and Charges ATM Debit Card & eBanking   Contents Bank charges 1. Normal ATM card   (i) ATM Card issue RM8.00 (ii) ATM Card annual charge RM8.00 (iii) ATM Card replacement RM12.00 (iv) MEPS cash withdrawal RM1.00 per transaction (v) CIRRUS cash withdrawal RM8.00 per transaction (vi) CIRRUS balance inquiry RM1.00 per transaction 2. Alliance Debit MasterCard   (i) Debit Card issue RM12.00 (ii) Debit Card annual charge RM12.00 (iii) Debit Card replacement RM12.00 (iv) MEPS cash withdrawal RM1.00 per transaction (v) CIRRUS cash withdrawal RM8.00 per transaction (vi) CIRRUS balance inquiry RM1.00 per transaction 3. eBanking   (i) GIRO transaction (Refer to transactions that are not initiated by the branches' level) RM1.00 per transaction (ii) Cashier's order RM2.15 per transaction (iii) RENTAS outward RM9.00 4. Biz-Xpress Card   (i) BXC Card Issue RM8.00 (ii) BXC Card Annual Charge RM8.00 (iii) BXC Card Replacement RM12.00 Commercial Banking   SME Loan Processing Fees Contents Bank charges 1. Processing Fee for Loan Applications   (i) Processing fee on new application of credit Generally, charges will be imposed on case-to-case basis. Waived, if classified as SME as per Bank Negara definition. 2. Commitment fees on Loan Applications   (i) Term Loans (excluding Syndicated Loans) - Where there is a predetermined schedule of drawdown fixed in terms of time rather than in terms of events - Where there is no predetermined schedule of drawdown or where the predetermined schedule of drawdown is not adhered to, with exception allowed by ABM Rule and BNM Scheme Exempted 1.00% p.a. (ii) Unutilised Overdraft Facilities (including revolving facilities) - A commitment fee of 1.0% p.a. shall be levied on the unutilised portion of overdraft facilities, with exceptions allowed by ABM Rule and BNM Scheme 1.00% p.a. Rakan Business Loan Contents Bank charges 1. Late payment charges 1% p.a. on overdue amount. 2. Early settlement charges RM250.00 or 3% of approved loan if settled within two (2) years from disbursement date, whichever is higher. Thereafter full settlement is allowed subject to three (3) months prior written notice or payment of three (3) months interest in lieu of the required notice. Rakan Property Loan Contents Bank charges 1. Late payment charges 1% p.a. on overdue amount. 2. Facility fees RM200.00 3. Full settlement A flat fee of RM5,000.00 or 5% of the approved amount, whichever is higher. Shall be charged in the event of full settlement of the loan within the first five (5) years from date of full release or during the lock-in period of half the loan tenure, whichever is lower. 4. Abortment fee RM1,000.00 Consumer Banking   Contents Bank charges 1. Processing Fee for Loan Applications   (i) Housing loan In accordance to ABM scale as follows: Size of loan Up to RM30,000.00 RM30,001.00 - RM100,000.00 Above RM100,000.00 Processing fees RM50.00 RM100.00 RM200.00 (ii) Loans other than Home loan (collateral by property other than houses e.g. land, shop houses, factory etc) RM200.00 (iii) Savelink (Housing loan with deposit link feature) Set up fee: RM180.00 (one time cost only) Monthly maintenance fee: RM10.00 Processing fee: RM200.00 2. Redemption Statements   (i) Redemption Statements Handling charges of RM50.00 to be collected from the customer for the issuing of first redemption statement. Thereafter, a charge of RM50.00 is to be levied for each subsequent redemption statement (ii) Confirmation letter to EPF Handling charge of RM20.00 to be collected from the customer for the issuing of first redemption statement. Thereafter, a charge of RM20.00 is to be levied for each subsequent confirmation letter 3. Commitment Fees on Loans   (i) ABM Rule - Section (B) 5(i) Term loans (excluding Syndicated Loans) - Where there is a predetermined schedule of drawdown fixed in terms of time rather than in terms of events - Where there is no predetermined schedule of drawdown or where the predetermined schedule of drawdown is not adhered to Exception: a. Term loans governed by prescribed ceiling rates b. Term loans of up to RM250,000.00 Exempted 1.00% p.a. (ii) ABM Rule - Section (B) 5(ii) Unutilised Overdraft Facilities (including revolving facilities) A commitment fees of 1.00% p.a. shall be levied on the unutilised portion of overdraft facilities, with the following exceptions: a. overdraft facilities with rates of interest prescribed by Bank Negara Malaysia, such as those granted under the Credit Guarantee Scheme and those funded/subsidised by the Government b. personal overdraft facilities with a limit of up to RM250,000.00 c. deceased accounts and legal block accounts. Legal block accounts are classified as those for which a hold has been placed arising from the following legal actions: bankruptcy notice, creditor's petition/winding up, bankruptcy, garnishee order and court order d. Where the facility is frozen by the bank due to circumstances beyond the control of the borrower 1.00% p.a. 4. Credit Information Enquiries   (i) Replies to enquiries from local banks on our clients RM15.00 from local banks USD15.00 from Foreign Correspondent Bank (ii) Replies to enquiries from our customers for which information can be sourced locally RM30.00 plus reimbursement cost and charges levied by other banks (iii) Replies to enquiries from our customers for which information has to be sourced from overseas bank RM50.00 plus cable cost and amount charged by overseas banks 5. Sweep Facility   (i) Manual transfer of fund to cover OD excess In cases where manual transfer of fund is required to cover OD excess, a service charge of RM5.00 is to be levied 6. Photocopies of File Documents   (i) Request for photocopies of file documents Minimum charge of RM20.00 to be imposed on the first document and RM10.00 each for subsequent documents of borrowers who request for photocopies of file documents such as title deeds, charge documents, guarantees, Letters of Offer, S & P Agreement, etc. for various purposes such as potential sale transactions 7. Credit Matters   (i) Letter of reference or certificate of various documents (inclusive of fixed deposit certificate) RM20.00 for education or application for Visa purpose RM50.00 for business and other purposes (except education, EPF withdrawal and Visa purposes) (ii) Charges for site visit conducted by the branch on ad hoc facilities which require progressive release of loan Minimum RM50.00 per site visit conducted by the branch before progressive release of the respective loan (iii) Requests by customers for reduction of interest rate, etc. Minimum RM100.00 processing fee per customer request (Charge to customer s account upon approval) (iv) Service charge on restructuring of credit facilities (NPL and Pre-NPL restructuring) Minimum RM300.00 per restructuring of Credit facilities (v) Request for transfer of credit file or account to another branch A service charge of RM50.00 being administrative cost and courier charges imposed by sending branch (vi) ETL request Minimum RM300.00 Credit Card   Contents Bank charges 1. Statement duplicate/re-issue RM15.00 per statement 2. Card replacement due to change of signature RM50.00 per Card 3. Card replacement due to embossed name change/damage by member/change of language RM50.00 per Card 4. Card replacement due to other reasons attributed to Cardmember RM50.00 per Card 5. Forgotten PIN (needs new Card) RM50.00 per Card 6. Re-issue lost/stolen Card RM50.00 per Card 7. Courier charges RM5.50 (Peninsular Malaysia) RM15.40 or actual (Singapore/East Malaysia) 8. Retrieval of sales draft RM15.00 per copy 9. Payment cheque returned RM100.00 10. Standing Instruction RM10.00 (plus stamping cost) 11. Late payment charge 1% per month of the total outstanding balance or RM5.00, whichever is higher (subject to a maximum of RM50.00) 12. Finance charge Retail purchases: Tier 1 - Pay promptly for 12 consecutive months and enjoy retail finance charge of 13.5% p.a on the 13th month Tier 2 - Pay promptly for at least 10 out of 12 consecutive months and enjoy retail finance charge of 16% p.a on the 13th month Tier 3 - if the above tier 1 and 2 is not met, retail finance charge of 17.5% p.a will be charged Cash advance: 18% p.a on amount advanced from date of amount withdrawn till date of full payment 13. Cash advance fee 5% on amount or RM15.00, whichever higher per advance 14. Annual fees Classic Card Principal: RM68.00 Supplementary: RM20.00 Gold Card Principal: RM148.00 Supplementary: RM30.00 Platinum Card Principal: RM438.00 Supplementary: Free 15. IKEA Friends Payment Card Joining fee, chargeable every two years Principal: RM25.00 per Card Supplementary: RM15.00 per Card 16. Chinese Independent School Payment Card Joining fee, chargeable every four years Principal: RM30.00 per Card Supplementary: RM30.00 per Card 17. CNI Payment Card Joining fee, chargeable every four years Principal: RM30.00 per Card Supplementary: RM30.00 per Card Current, Savings and Fixed Deposit Accounts   Contents Bank charges 1. Interest received on Current Account overdrawn At prevailing rate fixed by the Bank from time to time Minimum:  RM10.00 2. Interest received on advance (Overdrafts) Interest on overdraft by arrangement Minimum:  RM10.00 3. Service charge on Consumer Current and Overdraft Accounts with daily average balance below RM1,000.00. RM10.00 for half yearly Service charge on Commercial (business) Current and Overdraft Accounts with daily average balance below RM1,000.00. (charges apply for all types of business Current Account, effective 1st April 2009) (Service charge is exempted for Government accounts) RM20.00 for half yearly 4. Service charge on AllianceSave Accounts RM15.00 half yearly (regardless of balance) 5. Service charge on Alliance Hybrid Accounts with Cheque Book Facilities RM15.00 half yearly (regardless of balance) 6. Handling charges on representing cheques RM50.00 per cheque 7. Charges for cheques dishonoured due to insufficient funds A penalty charge of RM100.00 shall be imposed by the Bank on each cheque 8. Service charge for stopped payment RM15.00 per cheque RM100.00 if countermanded cheque is returned due to interalia insufficient funds 9. Cancellation of stopped payment instruction RM10.00 per cheque 10. Service charge for cheques returned due to technical reasons A service charge of RM10.00 shall be charged on the payee for each post-dated cheque returned (applicable to collecting bank) 11. Service charge for 3rd party cash cheque encashment RM2.00 per transaction 12. Cheque book not collected after 30 days of issuance RM10.00 per cheque book 13. Stamp duty on cheque books A government stamp duty of RM0.15 per cheque leaf shall be charged to the account upon issuance of a cheque book 14. Service charge request for Statement, Duplicate Document e.g. cheques, expired guarantee, bills, etc. (i) Retrieval fees of RM5.00 plus RM1.00 per page of statement if printed from system (up to 3 months) or photocopy of other documents (ii) Retrieval fee of RM20.00 plus RM1.00 per page of statement if reproduced from microfiche plus out-of-pocket expenses (for more than 3 months) (iii) Retrieval fee of RM20.00 plus RM5.00 per document if it is obtained from branch (iv) Retrieval fee of RM30.00 plus RM10.00 per document if it is obtained from our warehouse/remote location 15. Service charge on auditors confirmation (i) RM25.00 for current financial year (ii) RM100.00 for other request (i.e. previous financial year) Service charge on auditors confirmation for Commercial (business) account (charges apply for all types of business Current Account, effective 1st April 2009) (i) RM30.00 - audit confirmation on account as at a date which is no more three (3) months from date of request. (ii) RM50.00 - audit confirmation on account as at a date which is between four (4) to twelve (12) months from date of request. (iii) RM100.00 - audit confirmation on account as at a date which exceeds twelve (12) months from date of request. 16. Service charges on opening of account (charges apply for all types of business Current Account, effective 1st April 2009) RM20.00 per account 17. Service charge on closing of Savings Account (i) Closed within 3 months from date of opening of account: RM20.00 (ii) Closed after 3 months from date of opening of account: RM10.00 (iii) Closed after 3 months from date of opening of account (Basic Savings Account Only): No Charges 18. Service charge on closing of Current/ODP Account (i) Closed within 3 months from date of opening of account: RM20.00 (ii) Closed after 3 months from date of opening of account: RM10.00 Service charge on closing of Commercial (business) Current/ODP Account (charges apply for all types of business Current Account, effective 1st April 2009) (i) Closed within 3 months from date of opening of account: RM30.00 (ii) Closed after 3 months from date of opening of account: RM20.00 19. Service charge on issuance of duplicate Savings Account passbook reported lost/stolen/worn out or defaced RM10.00 The appropriate stamp duty on the Letter of Indemnity shall be borne by the customer 20. Lost of Fixed Deposit certificate RM10.00 stamp duty for Letter of Indemnity RM5.00 service charge 21. Service charge on changing coins/notes (for bulk changing) (charges apply for all types of business Current Account) Coins Minimum: RM5.00 plus 0.5% on the amount per bag (same denomination or standard bag) For loose coins Less than RM100.00: No charge > RM100.00 to RM1,000.00: RM5.00 > RM1,000.00: Additional RM5.00 on every RM1,000.00 Notes Single denomination: No charge 2 denominations & above: RM5.00 22. Service charge on coins deposits (charges apply for all types of business Current Account) Less than RM100.00: No charge > RM100.00 to RM1,000.00: RM5.00 > RM1,000.00: Additional RM5.00 on every RM1,000.00 Service charge on Bulk Cash Deposit (charges apply for all types of business Current Account) FOC: For first 1,000 pieces, irrespective of denomination. RM5.00: Next 1,000 pieces or part thereof, irrespective of denomination. Max: RM5.00 per 1,000 pieces, subject to a maximum of RM500 per deposit. 23. Postage and handling charges on warning letters (on returned cheque, BMC letter, excess of current account) RM10.00 flat 24. Postage charges on cheque books sent by courier a. For Personal Cheque Book b. For Company Cheque Book RM10.00 or actual courier charges, whichever is higher 25. Account number selection Service charge of RM50.00 for choosing desired available account number 26. Mutilated or defaced notes 1% of notes amount chargeable to customers Minimum: RM15.00 Maximum: RM500.00 27. Service charge for endorsement of the status of company's account to be attached together with tender submission RM20.00 per account 28. Service charge on confirmation on authorised cheque signatories for the renewal of Pusat Khidmat Kontraktor license RM20.00 per account Business Internet Banking Services   Contents Bank charges 1. Monthly subscription fee for Business Internet Banking services - Inquiry Module RM25.00 per month 2. Monthly subscription fee for Business Internet Banking services - Transactional Module RM20.00 per authoriser 3. Business Internet Banking transaction charges: (i) Interbank Fund Transfer - IBG (GIRO) (ii) Interbank Fund Transfer - RENTAS   RM1.00 per transaction RM5.00 per transaction 4. Business Internet Banking Payroll charges: (i) For credit of Alliance Bank accounts (ii) For credit of other bank accounts via IBG (GIRO)   RM1.00 per transaction RM2.00 per transaction Custodial Services   Contents Bank charges 1. Securities Shares held as security for pledged accounts   (i) Receipt Fees RM10.00 per counter (ii) Withdrawal Fees 0.05% of market value Minimum:  RM10.00 Maximum: RM1,000.00 (iii) Yearly service charge RM5.00 per counter per annum, payable in advance (iv) Dividend Payment 1% of net dividend amount Minimum:  RM10.00 (v) Proxy Voting RM50.00 per proxy (vi) Bonus Issue RM20.00 per counter (vii) Rights Issue RM75.00 per issue (viii) External Fees To Bursa Malaysia Depository Sdn Bhd: - CDS account opening fee - Transfer fee - CDS maintenance fee - Dormant account reactivation fee - Withdrawal fee - Deposit fee - Statement of account fee To Share Registrar: - Stamp duty on rights subscription form on acceptance - Stamp duty on Letter of Indemnity (Loss of dividend cheques/replacement of subsidiary income tax certificate) To be borne by the customer RM10.00 per account opening RM10.00 per transfer (irrespective of the quantity or value of the security) 4 sen per 1,000 shares per annum based on the average monthly closing balance of accounts (charged quarterly) RM5.00 per account RM15.00 per 1,000 shares or part thereof RM10.00 per certificate RM1.00 per page or part thereof up to 100 pages 30 sen per page above 100 pages RM10.00 stamp duty RM10.00 stamp duty (ix) Issue duplicate/replacement of subsidiary income tax certificate (SITC) RM10.00 per SITC (x) Conversion/Consolidation/Cash offer/General offer exercise/Share acquisition RM20.00 per exercise (xi) Registration of unquoted shares in the name of Bank's Nominee Company 0.1% of par value of shares Minimum:  RM5.00 Maximum: RM500.00 Hire Purchase   Contents Bank charges 1. Cancellation of ownership claim RM50.00 2. Renewal of road tax RM10.00 3. Duplicate release letter/Declaration letter for loss of release letter/Registration card, etc. RM50.00 4. Statement of account and documents from (a) Own Hub/Branch (b) Other Hub/Branch (c) Warehouse/Store RM20.00 & RM1.00 per copy of document RM20.00 & RM5.00 per copy of document RM20.00 & RM10.00 per copy of document 5. Courier service (a) Within the same state (b) Not within the same state RM10.00 RM20.00 6. Early settlement of account by dealer/other financiers RM50.00 7. Transfer Charges Panel dealer Walk-in/Non panel dealer Local Outstation Local Outstation (a) JPJ Transfer Fee RM100.00 RM100.00 RM100.00 RM100.00 (b) JPJ Ownership Claim Fee RM50.00 RM50.00 RM50.00 RM50.00 (c) JPJ Runner Charges - Local RM80.00 N/A N/A N/A - Outstation N/A RM180.00 N/A RM180.00 - Express N/A N/A RM100.00 N/A (d) Transport Charges - Settlement with other banks RM10.00 RM10.00 RM10.00 RM10.00 - Registration of ownership RM10.00 RM10.00 RM10.00 RM10.00 - Stamping Office RM10.00 RM10.00 RM10.00 RM10.00 (e) Settlement with other bank - Phone/fax/courier charges RM30.00 RM30.00 RM30.00 RM30.00 (f) Vehicle Inspection N/A N/A RM30.00 RM30.00 (g) eHakmilik Transaction Fee - Registration of ownership RM3.00 RM3.00 RM3.00 RM3.00 - Change Request RM3.00 RM3.00 RM3.00 RM3.00 Remittances   Contents Bank charges 1. Cashier's Order (CO)   (i) Ordinary Cashier's Order RM2.15 inclusive of stamp duty (ii) Cashier's Order for MIDF/MIH Share Issue RM2.15 inclusive of stamp duty Free, including waiver of stamp duty for account holders (iii) Replacement of lost/stolen/default and damaged Cashier's Orders Service charge of RM10.00 The appropriate stamp duty on the Letter of Indemnity for reported lost Cashier's Order is to be borne by the customer (iv) Repurchase of Cashier's Order RM5.00 except for Cashier's Order issued for new share applications 2. Demand Draft (DD)   (i) Demand Draft in Malaysian Ringgit payable within Malaysia Flat rate of 0.03% per item Minimum:  RM2.00 Maximum: RM500.00 (ii) Demand Draft drawn payable to MIDF/MIH for new share issue Flat rate of 0.03% per item Minimum:  RM2.00 Maximum: RM500.00 Free, including waiver of stamp duty for account holders (iii) Demand Draft in Foreign Currency payable overseas Flat rate of RM2.00 per item for whatever draft amount (iv) Cancellation and refund/repurchase of Demand Draft (Ringgit and Foreign Currency) Foreign currency draft is cancelled and repurchased at the day's buying OD Rate of the foreign currency or the original currency quoted rate, whichever is lower (If the original quoted rate was a contracted/special rate, please refer to Forex Department, Head Office). Applicant to bear the cost of "Stop Payment", which is charged by the correspondent bank A service charge of RM10.00 is levied for each repurchase of foreign currency Demand Draft A service charge of RM5.00 is levied for each repurchase of Ringgit Demand Draft (v) Replacement of lost/stolen/default and damaged Demand Drafts (Ringgit and Foreign Currency) RM10.00 excluding cable charges and correspondent charges. Applicant to bear the cost of "Stop Payment", which is charged by the correspondent bank (vi) Cost of "Stop Payment" charged by Correspondent Bank Applicant to bear cost of cable and the processing cost as imposed by the correspondent bank 3. Telegraphic Transfer (TT)   (i) Telegraphic Transfer in Malaysian Ringgit payable within Malaysia Flat rate of 0.03% per item plus cable charges Minimum:  RM2.00 Maximum: RM500.00 (ii) Telegraphic Transfer in Foreign Currency payable overseas Minimum of RM2.00 per telegraphic transfer for whatever TT amount plus cost of cable incurred List of cable charges: USD RM32.00 IDR, THB, PHP & BND      RM13.50 SGD RM7.50 Other currencies RM25.00 (iii) Incidental expenses on Remittances In addition to the commission, actual out of pocket expenses e.g. stamp duty, postage, telephone, fax charges, shall be borne by the applicant 4. Inward Demand Draft   (i) Foreign Currency Drafts drawn on banks in Malaysia and payable in Malaysia a. Where the Crediting Bank and Paying Bank are in the same clearing area b. Where the Crediting Bank and Paying Bank are in different clearing areas - For draft amount of RM5,000.00 equivalent and below - For draft amount of more than RM5,000.00 By Paying Bank: Nil By Crediting Bank: Nil By Paying Bank: Nil By Crediting Bank: Flat rate of 0.03% Minimum:  RM0.50 Maximum: RM500.00 By Paying Bank & Crediting Bank: Flat rate of 0.1% Minimum:  RM5.00 Maximum: RM100.00* and incidental charges * as per ABM Rules, Section H2(a) for Paying Bank and Section H1(iv) for Crediting Bank 5. Transfers of RM Funds through BNM/Rentas   (i) For transfer (through RENTAS subject to minimum RM50,000.00) Service charge of RM5.00 (flat) for each transaction 6. Transfers of RM Funds through Interbank GIRO   (i) For fund transfer through Interbank GIRO A flat fee of RM2.00 per transaction irrespective of the amount transfered For BCA & BSA the 1st. two GIRO transaction, charge at RM0.50 per transaction 7. Travellers Cheques   (i) Sales of Travellers Cheques Flat rate of 1.00% of RM equivalent plus stamp duty of RM0.15 per cheque Selling of TC at selling OD rate Postage of RM3.00 is to be levied for every batch of sales of TC (ii) Negotiation of Travellers Cheques Buying OD rate, stamp duty of RM0.15 per cheque (iii) Encashment of Travellers Cheques Service charges of 1% on value encashed (Minimum: RM10.00) Stamp duty of RM0.15 per item is to be levied Postage of RM3.00 is to be levied for every batch of sales & purchase of TC (iv) Yen Travellers Cheques A commission of Yen 2,000.00 per transaction will be imposed on all Yen TC sent for collection (v) Canadian Travellers Cheques A handling fee of CAD30.00 per item/cheque is levied for encashment of all Canadian Dollar TC 8. Collection of Coupons   (i) Whether cut from bonds in our possession or handled in by clients Commission of 0.03% flat on aggregate face amount Minimum:  RM0.50 Maximum: RM30.00 Insurance, postage and any other related expenses will be for customer's account 9. Negotiable Certificate of Deposits (NCD)   (i) Charges for splitting of NCDs RM2.00 per new certificate Safe Deposit Box (SDB)   Contents Bank charges 1. SDB break-in charges (replacement of SDB keys) Minimum of RM200.00 per key or actual replacement cost and labour charges to re-open the SDB, whichever is higher 2. SDB key deposits A key deposit of RM200.00 (new account) shall be levied, which shall be refundable on return of the keys upon termination of the lease. This key deposit is no longer refundable once the keys have been reported lost 3. Safe deposit rental Rental rates vary amongst branches (depending on size of box) Stockbanking   Contents Bank charges 1. Stockbanking initial cost up to RM50.00 if Fixed Deposit is pledged 2. SMF administration fee up to RM200.00 one time for new applications 3. SMF account redemption fee 0.15% of total share value (market value) or minimum RM250.00 4. SMF change of broker/remisier fee RM35.00 5. Cash drawdown fee (by Cashier's Order) RM10.00 6. Fund transfer fee (amount below RM10,000.00) RM10.00 for inter-bank transfer 7. Fund transfer fee (amount of RM10,000.00 and above) RM20.00 for inter-bank transfer 8. Closing account fee RM10.00 9. Statement retrieval fee RM10.00 Minimum : RM10.00 per month Maximum : RM25.00 per month 10. Share Withdrawal MCD -  RM10.00 (per counter) Service Charge -  RM10.00 (per counter) 11. Rights Issue/Mandatory General Offer Stamp Duty -  RM10.00 Service Charge -  RM10.00 Courier Fee -  RM7.50 12. Conversion of Warrants/Loan Stocks Service Charge -  RM10.00 Registrar fee -  No fixed rate. (Varies from Registrar to Registrar) Courier Fee -  RM7.50 13. Execution of Proxy RM5.00 per proxy form 14. Distribution of dividend/Interest/Capital Repayment RM2.50 & below :  waived RM100.00 & below :  RM2.50 Above RM100.00 :  RM5.00 15. Share Withdrawal and Handling Charges for Deceased Account Share Withdrawal charges as per Item 10 Noms Handling Charges :  RM50.00 MCD Processing Fee :  RM50.00 16. Custody Fee for De-listed Shares RM5.00 per 1,000 shares or a minimum of RM50.00 per annum ** Excludes the following customers:-   -  Minimum trading turnover of RM20,000.00 or minimum 10 trades for the past 1 year   -  Account with total collateral (Cap price/Bank value) of not less than RM15,000.00 17. Transportation/courier charges RM7.50 for Peninsular Malaysia RM13.50 for East Malaysia RM16.00 for Singapore 18. Half-yearly fee (for Internet customers) RM25.00 imposed on account with trading turnover of less than RM50,000.00 Standing Instructions   Contents Bank charges 1. Payment Orders and Periodical Payments   (i) Payment Orders (Internal Transfer) Payable within local clearing area/zone a. Own account Internal Transfer to own account within the Bank and within local clearing area/zone b. 3rd party account Internal Transfer to 3rd party account within the Bank and within local clearing area/zone c. Payroll services/salary accounts (within the Bank, payment contra against employer's account over the counter) d. To other banks (including salary credits) Free of charge RM2.00 per transaction RM5.00 per employee account for transaction over the counter RM5.00 per transaction plus actual out-of-pocket expenses (ii) Payment Orders Payable outside clearing area/zone a. Own account or 3rd party account Internal-branch transfer to own account or 3rd party account within the Bank but outside clearing area/zone b. Payroll services/salary accounts (within the Bank, payment contra against employer's account over the counter) 0.03% per transaction Minimum: RM2.00 Maximum: RM500.00 RM5.00 per employee account for transaction over the counter (iii) Periodical Payments (Standing Order) Payable within local clearing area/zone a. Credit of accounts maintained with the same branch b. Payable to firms, private individuals and other bodies c. To Banks for the account of 3rd party Flat rate of RM2.00 Service charge waived for standing orders (including via AFT) for repayment of loan accounts with the Bank Flat rate of RM2.00 plus actual out-of-pocket expenses Flat rate of RM2.00 plus actual out-of-pocket expenses (iv) Periodical Payments (Standing Order) Payable outside clearing area/zone Charges according to mode of payment plus postage or cable charges, where applicable (v) Automatic Funds Transfer (AFT) A service charge of RM2.00 is to be levied on each cycle of a periodical payment and/or standing instruction irrespective of whether the payment instruction is effected or not effected due to insufficient fund In addition, the normal remittance commission and other incidental expenses should also be levied This service charge is waived on all standing instruction for crediting into a Loans Account Trade Finance   SME Trade Finance Fees & Charges Contents Bank charges 1. Inward Collections   (i) Documentary Bills in Malaysian Ringgit or Foreign Currency Commission 0.1% flat plus actual cost Minimum: RM50.00 Maximum: RM100.00 (Foreign currency)   RM500.00 (Malaysian currency) (ii) Clean Bills (including cheques) Commission 0.1% flat plus actual cost Minimum: RM30.00 Maximum: RM100.00 (Foreign currency)   RM500.00 (Malaysian currency) (iii) Bills dishonoured/Snag bills a. Holding charge b. Representation commission RM50/USD20 per month or part thereof if bill remains unpaid for more than 60 days after due date/first presentation RM10.00  plus actual cost (iv) Sending advice of dishonour advice to Remitting Bank Handling fee: RM10.00 plus actual cost 2. Import Letters of Credit   (i) Opening our irrevocable documentary Letters of Credit Usance irrevocable documentary Letters of Credit Stand-by Letters of Credit (SBLC) Commission of 0.1% per month or part thereof on the amount of the LC plus actual cost and correspondent charges, if any. Minimum: RM100.00 Usance commission - Additional 0.1% per month or part thereof on the amount of the bill plus actual cost from the date of acceptance until maturity of the bill. Minimum: RM100.00 Commission of 0.1% per month or part thereof on the amount of the LC plus actual cost and correspondent charges, if any. Minimum: RM100.00 (ii) Opening our revolving irrevocable documentary Letters of Credit Commission and charges same as 2(i) above. If subsequently the total drawings thereunder exceed the face amount of the LC (by reason of revolving nature), an additional commission at 0.1% per month or part thereof will be charged on the excess amount from time of opening to maturity of credit (iii) Issuance of LC through SWIFT Within Malaysia: RM50.00 Other Countries: RM100.00 (iv) Any amendments Amendments to our Letters of Credit for extension/increase in value Handling fee: RM50.00 Additional commission: 0.1% p.m. or part thereof for the extended period/ incremental value plus actual cost and correspondent charges, if any. Minimum: RM50.00 3. Bankers Guarantee   (i) Issuance Commission: 0.1% per month or part thereof Minimum: RM100.00 plus actual cost Handling fee: RM100/-, - where applicable (ii) Any amendments Amendment for BG extension/increase amount Handling Fee: RM50.00 Additional Commission 0.1% p.m. or part thereof for the extended period/incremental value plus actual cost Minimum: RM50.00 plus actual cost (iii) Replacement for lost Guarantee Handling fee: RM50.00 plus actual cost 4. Shipping Guarantee   (i) Issuance Commission 0.1% on the amount of the invoice Minimum: RM100.00 (LC)   RM200.00 (Non-LC) (ii) Shipping guarantee not returned after 3 months from date of issuance Additional commission at 0.05% per month on amount of invoice after 3 months from date of issuance up to the date of return of Guarantee Minimum: RM50.00 per month 5. Outward Bills for Collections   (i) Clean Bills (Cheques) [inclusive of Singapore cheques] Commission: 0.1% flat plus actual cost Minimum:  RM30.00 Maximum: RM100.00 (ii) Documentary Bills in Malaysian Ringgit or Foreign Currency (whether or not under Letters of Credit) Commission 0.1% flat plus actual cost Minimum: RM50.00 Maximum: RM100.00 (FCY Bills)   RM500.00 (MYR Bills) (iii) Snag Bills (Overdue Bills) If Bill remains unpaid for more than 60 days after due date/first presentation, holding charge of RM50.00 per month or part thereof will be charged from the third month onwards 6. Outward Bills Purchased/Negotiated/Discounted   (i) Clean Bills (Cheques) Commission 0.1% flat plus actual cost Minimum: RM50.00 Maximum: RM100.00 (FCY Bills)   RM500.00 (MYR Bills) (ii) Documentary Bills a. Sight and Usance Documentary Bills not involving our acceptance (whether or not under Letters of Credit) b. Usance Bills under Letters of Credit requiring our acceptance Commission 0.1% flat plus actual cost Minimum: RM50.00 Maximum: RM100.00 (FCY Bills)   RM500.00 (MYR Bills) As above plus acceptance commission 0.1% per month plus actual cost Minimum:  RM50.00 7. Export Letters of Credit   (i) Advising original Letters of Credit to beneficiary without engagement Commission: RM50.00 flat plus actual cost (Customer) Commission: RM70.00 flat plus actual cost (Non-Customer) (ii) Advising amendment to beneficiary Commission: RM50.00 flat plus actual cost (Customer) Commission: RM70.00 flat plus actual cost (Non-Customer) (iii) Adding our confirmation Commission: 0.1% per month or part thereof Minimum:  RM100.00 (iv) Transferable Letters of Credit a)Commission: 0.1% per month on the amount    transferred plus actual cost    Minimum: RM100.00 b)Handling fee:    Minimum: RM100.00    Maximum: RM500.00 (v) Any amendments to Transferred LCs Amendments to Letters of Credit for extension/increase in value Handling fee RM50.00 flat plus actual cost Additional commission 0.1% p.m. or part thereof for the extended period/incremental value plus actual cost and correspondent charges, if any. Minimum: RM100.00 (vi) Checking Fee for documents under Export Letter of Credit Checking fee: RM50.00 flat 8. General   (i) Charges in lieu of Foreign Exchange Commission: 0.1% on the invoice value Minimum:  RM50.00 Maximum: RM200.00     Quick links     I want to know... ----------Please Select---------- I want to use... ----------Please Select----------