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Current Account

Item Tariff
Cheques dishonoured due to Insufficient Funds - RM200.00
Effects not cleared - RM150.00
Postage if applicable - RM10.00 or actual cost of registered mail.
Nil postage if returned cheque collected bycustomer.
Representation Charges

For cheques re-presented at branch (Cheques that have not been physically returned to the collecting bank)


RM50.00
Stop payment cheques

Payment stop instruction letter

Presented with insufficient funds


RM10.00 per instruction

RM150.00
Half-Yearly Service Charge

All Individual / Joint / Business Current Accounts


RM10.00

Exempted for Government account / Staff account / Bank account / Escrow account / Charitable & Religious Bodies / Government School
Early Closure (less than 6 months from opening)

Current Account

Current Account-i


RM30.00

RM20.00
Stamping on Mandate Form RM10.00
Ad Hoc Statements Request Flat charge RM2.00 per page
Photocopies of Cheques, Pay-in Slips and Advices
  • Within 1 year
  • More than 1 year

  • RM2.00 per copy
  • RM5.00 per copy or actual costs of retrieval, whichever is higher
Encashment of cash cheques over the counter RM3.18
Exempted for signatories and 3 nominees for company accoun
Cheque Book - Stamp duty







Cheque Processing Fee


Uncollected cheque book at branch after 14 days (Customer request or non-delivered cheque book by courier agents)
RM0.15 per Leaf

Exempted for cheque books issued to government bodies including :
  • National type and fully aided schools
  • Registered co-operative societies
Stamp duty is not refundable for unused cheques

RM0.50 per Leaf

RM5.00

Courier/handling charges of RM5.30 per cheque book delivered to customer.

No charges if cheque book collected at branch
Special Cheques - Printing Charges Actual cost, plus taxes (if any) to be borne by customer

Exempted for Government A/C special cheques
For Non-Individual Accounts only

Transaction Charge for Contra Payments.
Includes Over the counter transactions including cash contra and house cheque payments
RM5.00 per beneficiary on 4th payment onwards

No charges on salary cheques deposited via cheque deposit machine
Dormant Current Account
Account with RM10.00 or less


Account with more than RM10.00

Credit balance is absorbed as the service charge if there is no response from customers after two (2) reminders

Annual service fee of RM100.00 will be levied
Request for change of signatories or change of mandate of operating account RM10.00

Savings Account

Item Tariff
Dormant Savings Account
  • Accounts with RM10.00 or less


  • Accounts with more than RM10.00

  • Credit balance is absorbed as the service charge if there is no response from the customer after two (2) reminders.

  • Annual service fee of RM10.00 will be levied
Lost Savings Account Passbook RM20.00 inclusive of stamp duty
Early Closure (less than 6 months from opening)

Savings Account

Savings Account-i


RM30.00

RM20.00
Ad Hoc Statements requests Flat charge RM10.00

Basic Bank Account

Item Basic Savings Account (BSA)
Basic Savings Account-i (BSAi)
Basic Current Account (BCA)
Item Basic Current Account-i (BCA-i)
Tariff Tariff
Deposits (including coin deposits) Free for self service deposits and Over The Counter (OTC) transactions.
(Excluded from the OTC limit where such facility is not available.)
Service Fee No service or maintenance charge to be imposed RM10.00 for each half year for an average balance of less than RM1,000 during the half year.
Minimum number of free monthly transactions - ATM and OTC Option 1
a) 8 OTC visits at branch
- 9th visit and onwards: No charge currently

b) 8 ATM cash withdrawals at any Affin Bank ATMs. No Fee shall be imposed for non cash withdrawal transactions (e.g. balance enquiry or fund transfer within the same bank)

- 9th withdrawal onwards: RM1.00* per withdrawal

No Annual ATM fee

OR

Option 2

MyDebit Card Annual fee of RM8.00* for unlimited ATM withdrawals

(*- inclusive of 0% GST)
Issuance of cheque book N.A. As per the bank's existing Tariff of charges.
Monthly statement of account Free Free
Dormant accounts <RM10.00
No charge on activation of the account.

Monthly balance less than RM10.00, system will auto close the account and absorb the balance after 2 reminders

>RM10.00

Accounts with more than RM10.00, annual service fee RM10.60 will be levied.
ATM Services

1st. MyDebit Card Issued

Replacement of MyDebit Card due to lost, stolen, loss of PIN and card damaged by customer

Replacement of password for Internet Banking

ATM transaction/ cash withdrawal/ transaction through MEPS Network (Non-Affinbank ATMs)



MEPS Interbank Fund Transfer (IBFT)


Free

RM12.00




Free


RM 1.00* per withdrawal / transaction at local MEPS member bank ATM
RM 4.00* per withdrawal at LIFB (Locally Incorporated Foreign bank)
MEPS member bank i.e Citibank, Standard Chartered, UOB, HSBC & OCBC.

RM 12.00 per withdrawal at Cross Border MEPS member bank (Indonesia, Singapore, China & Thailand )

RM 0.50 per MEPS Instant Transfer (IBFT)

(*- inclusive of 0% GST)
Interbank GIRO via ATM RM0.10* per transaction
(inclusive of 0% GST)
Closing of Accounts Early closure of BSA/BSA-i and BCA/BCA-i if it is closed within 3 months of account opening - RM20.00
Other fees and charges As per the bank's existing tariff of charges

Fixed Deposit

Item Tariff
Replacement/ Reprint fee for Lost of Advice
- Per request from 2nd copy onwards
RM5.00

Foreign Currency Account

Item Tariff
Half yearly maintenance fee per account

U.S. Dollar (USD)
United Arab Emirates Dirham (AED)
Australian Dollar (AUD)
Euro (EUR)
British Pound (GBP)
Hong Kong Dollar (HKD)
Japanese Yen (JPY)
New Zealand Dollar (NZD)
Singapore Dollar (SGD)


USD10.00
AED36.00
AUD15.00
EUR9.00
GBP6.00
HKD77.00
JPY1,100.00
NZD15.00
SGD16.00
Telegraphic Transfer (TT)/ Cable Charges

U.S. Dollar (USD)
United Arab Emirates Dirham (AED)
Australian Dollar (AUD)
Euro (EUR)
British Pound (GBP)
Hong Kong Dollar (HKD)
Japanese Yen (JPY)
New Zealand Dollar (NZD)
Singapore Dollar (SGD)


USD8.00
AED27.00
AUD11.00
EUR6.00
GBP5.00
HKD59.00
JPY771.00
NZD14.00
SGD12.00
Sale of Foreign Drafts

U.S. Dollar (USD)
United Arab Emirates Dirham (AED)
Australian Dollar (AUD)
Euro (EUR)
British Pound (GBP)
Hong Kong Dollar (HKD)
Japanese Yen (JPY)
New Zealand Dollar (NZD)
Singapore Dollar (SGD)


USD3.00
AED10.00
AUD4.00
EUR2.00
GBP2.00
HKD24.00
JPY289.00
NZD5.00
SGD5.00

Internet Banking Products - Retail Internet Banking (RIB)

Item Tariff
Inter-bank Fund Transfer
(AFFIN BANK to OTHER BANK)
Inter-Bank Giro
RM0.10 per transaction
Instant Transfer
RM0.01 - RM5,000 = free waiver
RM5,001 - RM50,000 = RM0.50 per transaction
Telegraphic Transfer Commission
No commission is applied for transaction amount more than or equal to RM5,000
RM3.00 is applied for transaction amount less than RM5,000
Cable Charges
RM30.00 per transaction
Cheque Book Request Stamp Duty
(RM0.15 per leaf x 15)= RM2.25
Courier Charges
RM5.00 per request
ASNB Fund Subscription RM1.00 per transaction
Bill Payment Charges applicable for:

PTPTN RM1.00 per transaction
PTPL
RM1.00 per transaction
TABUNG HAJI
RM1.00 per transaction
MSU
RM0.50 per transaction
SATU
RM0.50 per transaction

Internet Banking Products - Corporate Internet Banking (CIB)

Item Corporate Internet Banking for SME * Corporate Internet Banking for Corporate/Non-SME
Tariff
Security Token - RM150.00 per token
(One Time)
Subscription Fee For Inquiry
No Charges

For Transaction
-
For Inquiry
No Charges

For Transaction
RM20.00 per month
Own Account Transfer No Charges
Third Party Transfer
(AFFINBANK to AFFINBANK account)
No Charges
GIRO Inter-bank Fund Transfer
(AFFINBANK to Other Bank)
Inter-Bank Giro
RM 0.10 per transaction

Rentas
RM 2.00 per transaction
Inter-Bank Giro
RM 0.10 per transaction

Rentas
RM 4.00 per transaction
Telegraphic Transfer Commission
No commission is applied for the transaction amount is more than or equal to RM5,000

RM3.00 is applied for transaction amount less than RM5,000

Cable Charges
RM30.00 per transaction
Banker's Cheque Service Charges
RM5.00 per transaction
Item Corporate Internet Banking for SME * Corporate Internet Banking for Corporate/Non-SME
Tariff
Stop Cheque Request No Charges
Cheque Book Request Stamp Duty
(RM0.15 per leaf x 50) = RM7.50

Courier Charges
RM5.00 per cheque book
Statement Download No Charges
Bill Payment No Charges
Bulk Payment Charges Autopay/ Corporate IBG

Third Party
(AFFINBANK to AFFINBANK)

No Charges

Inter Bank
(AFFINBANK to Other Bank)

RM0.10 per account

RENTAS
(AFFINBANK to Other Bank)

RM2.00 per account (SME)
RM4.00 per account (non-SME)

Terms and Conditions apply

* Definition of SME based on Bank Negara Malaysia Circular on New Definition of Small and Medium Enterprises (SMEs) - BNM/RH/CIR 028-1

Products and Services - ATM

Item Tariff
New issuance of MyDebit Card RM10.00*
Replacement of MyDebit Card due to lost/ stolen/ Loss of PIN or card damaged by customer RM10.00 or RM12.00 (BSA/BCA)
Replacement for faulty cards returned due to technical defects or recalled by the Bank for replacement Exempted
MyDebit Card Annual service fee

*Card will be "DEACTIVATED" after 9 unsuccessful tries on the 10th Day after the 1st try due to insufficient funds. For card reactivation, please visit the nearest branch.
RM8.00*

(inclusive of 0% GST)
ATM Cash Withdrawal / other transactions through MEPS Network (Non- AFFINBANK ATMs) RM1.00* per withdrawal / transaction at Local Bank ATMs including Kuwait Finance House and Al-Rajhi Bank

RM4.00* per withdrawal at Local Foreign Bank ATMs (Citibank, Standard Chartered, UOB, HSBC & OCBC) via MEPS network

RM12.00* per withdrawal at Cross Border MEPS member bank (Indonesia, Singapore, China & Thailand)

*Local Foreign Bank: Citibank, Standard Chartered, UOB, HSBC & OCBC.

**Only RM1.00 service charge will be imposed on cash withdrawal involves Kuwait Finance House & Al-Rajhi Bank
 
MEPS Instant Transfer (IBFT) via ATM RM0.01 - RM5,000 = free waiver
RM5,001 - RM50,000 = RM0.50 per transaction subject to 0% GST
Interbank GIRO via ATM RM0.10* per transaction

(inclusive of 0% GST)
Cheque Book request via ATM RM 2.25 (Stamp duty)
RM 5.30 (postage charge)

Products and Services - Domestic Payment

Item Tariff
Outgoing RENTAS
  • Company
  • Individual / SME

RM9.00 per transaction
RM5.00 per transaction
Incoming RENTAS Commission : Waived
Transfers through Inter-bank GIRO Payment System RM2.00 per transaction
Banker's Cheque (BC)
(Excluding MIDF / MIH new share issue)

Cheque Processing Fee
RM5.00 (inclusive of stamp duty)

RM0.50 per cheque
Refund BC and demand draft reported lost S/Charge: RM10.00
L/I : RM10.00
Request to replace stale BC (with instrument) RM10.00
Purchased of Outward Demand Draft (DD) Commission: Waived
MIDF/ MIH New Share Issue Demand Draft and Banker's Cheque RM2.00
Cancellation of BC / outward DD (with instrument) RM2.00
Local Telegraphic Transfer (TT)
Outward (RM payable at branch/bank in different clearing area
Commission: Waived
Cable charges :
Peninsular Malaysia: RM5.00
Sarawak/ Sabah: RM10.00
Standing Instruction (SI) Charges Per payment

Payment made by a charitable institution

Transfer of customer's funds from one account to another account of his within the same branch

Standing instructions for loan repayments (Affin only)
RM6.30

RM3.30

RM2.00


Free
Unsuccessful SI due to insufficient funds in account

Stamping of SI Agreement
RM10.00

RM10.00
Instructions received from customers for salary credit to Account holders or pay Third Parties

(i) Instructions received through paper listing

(ii) Instructions received through Autopay or electronic media




RM4.00 per beneficiary

RM2.00 per beneficiary
Instructions received from bankers to credit Affin Bank account holders RM2.00 per transaction
Inter-branch Deposits where Home Branch and Collecting Branch in different clearing area (outstation cheque) Commission: Waived
Inter-branch Cash Deposit:

Products and Services - Foreign Remittances & Demand Draft

Item Tariff

Outward Foreign Remittances (FTT)

 
i. Issuance

Commission:

  • Below RM5,000.00 - RM3.00
  • RM5,000.00 and above - No Charges

Cable Charges:

  • MT103 - RM30.00 per transaction
  • MT103/202 - RM 50.00 per transaction
ii. Cancellation / Amendment of FTT Particulars

Service Charge:

  • RM10.00 and correspondence bank charges (if any)

Cable Charges:

  • MT103 - RM30.00 per transaction
  • MT103/202 - RM 50.00 per transaction
i. Inward Foreign Remittances (FTT); credit CASA account


ii. Inward Foreign Remittances (FTT); credit FCA/FCA-i account
Comission:
RM5.00 per transaction

RM5.00 per transaction (equivalent)*

Outward Foreign Demand Draft (DD)

 

i. Issuance

  1. USD
  2. Other Currencies

Commission :

  • RM7.00 per transaction
  • RM5.00 per transaction

ii. Cancellation / Amendments of DD Particulars

  1. USD
  2. Other Currencies

Service Charge:

  • RM100.00 per item
  • RM10.00 and correspondence bank charges (if any)

Cable Charges:

  • MT103 - RM30.00 per transaction
  • MT103/202 - RM 50.00 per transaction

iii. Refund / Replacement of DD Reported Lost

  • RM15.00 per item plus cost of cable

*Note: Dear valued customers, kindly take note effective 03 September 2018 a transaction fee of RM5.00 (or equivalent) will be imposed for Incoming Foreign Remittance credit to Foreign Currency Account (FCA) or Foreign Currency Account Islamic (FCA-i).

Products and Services - Miscellaneous

Item Tariff
Foreign Outward Collection (FOC)
Commission for RM amount
0.1% plus taxes (if any)
Minimum : RM10.00
Maximum : RM500.00
Postage
Stamp Duty
RM10.00 per item
15 cents per item
Commission on Foreign Amount 0.1% plus taxes (if any)
Minimum : RM10.00
Maximum : RM100.00
Special Encashment Facility for LTAT / TMB cheques

Stamp Duty for cheques exceeding RM20.00
RM0.15 (from payee)
Postage and Telephone Expenses for LTAT / TMB cheques Min RM2.00 or actual expenses plus taxes (if any) incurred to be recovered from payee
Deposit of Coins

i. Business accounts
ii. Individuals

Changing of Coins (for Account holders ONLY)

i. Individuals
ii. Business accounts
For loose coins (same denomination)

Per bag (same denomination)

Changing of Notes


1% of deposit or min RM10.00
Free



Free
RM1.00 for every RM50.00


RM10.0 per bag for customers

Free
Safe Deposit Locker (SDL)

i. Key Deposit

ii. Rental

   Safe Deposit Box




   Safe Deposit Box-i

iii. Loss of one or both keys (where applicable)


RM200.00



Small: RM120.00
Medium: RM160.0
Large: RM240.00

Medium: RM200.00
Large: RM300.00

Replace 1 key: RM100.00 (excluding transport charges from vendor)

Forced opening of locker & replacement keys Min of RM300.00 or actual cost, whichever is higher
Audit Confirmation (Islamic) (Effective dat from 12th March 2018) RM50.00
Audit Confirmation (Conventional) RM50.00 for current year request and RM106.00 for each preceding year's request (w.e.f 2/1/2018)
Redemption statement for Small Medium Enterprise (SME)/ Corporate Loan (Conventional) RM50.00 per request
Outstation Cheque Deposit (OCD) Commission : Waived
Money / Postal Orders (issued by / drawn on Malaysian Postal Authorities) Free
Confirmation letter (with or without documents) for withdrawal from Employees Provident Fund (EPF) RM20.00
Endorsement on the status of company's accounts

i. Tender submission
ii. Confirmation of authorised cheque signatories for the renewal of Pusat Kontraktor license
RM20.00 for each endorsement

Products and Services - ASB Loan

Item Tariff
Redemption Statement (per request) NIL
Security Document retrieval (per request) RM30.00 (Photocopies for complete set of documents)
Additional Loan/ Financing Statement (per request) RM10.00
Late Payment Charges 1% per annum on the amount in arrears, calculated from overdue date till full monthly repayment
ASB Certificate Fee RM50.00

Products and Services - Mortgage Loan

Item Tariff
Redemption Statement (per request) RM50.00
Letter of confirmation for EPF withdrawal (per request) RM20.00 (with/ without photocopies of documents)
Security Document retrieval (per request) RM30.00 (Photocopies for complete set of documents)
Additional Loan Statement (per request) RM10.00
Restructuring / Rescheduling (per request) No Charges
Re-draw charges/ fees for excess payment (applicable to Affin Home Solution Plus and related products) RM25.00 per transaction
Processing Fee (if applicable) Loan Amount up to RM30,000 : RM50.00

Loan Amount RM30,001 to RM100,000 : RM100.00

Loan Amount above RM100,000 : RM200.00
Early Settlement Penalty Retention Period
3 years from date of first drawdown

Penalty
Penalty of 2% on original loan sum if redeemed within 3 years retention period

(subject to retention period and penalty amount imposed in Letter of Offer)
Late Payment Charges 1% per annum on the amount in arrears till settlement of the amount in arrears

Products and Services - Hire Purchase

Item Tariff
Issuance letter of consent for loss of registration card, change registration / engine number RM50.00
Transfer Service charge (Where Bank's ownership claim need to be endorsed) RM20.00
Redemption of Hire Purchase (HP) accounts RM50.00
Postage RM1.00 for normal mail
RM5.00 for registered mail
Photocopy of security documents (used/ recond cars) RM10.00

Trade Finance

No Product Description Tariff/Charges Fees Amount With Goods And Services Tax (GST) Effective 1/4/2015
1 LETTER OF CREDIT (LC) Issuance Commission/Fee 0.1% per month (or part of month thereof) plus 0% GST ( min=RM100 inclusive 0% GST)
Amendment on Extension
of Expiry Date and/or Increase in Amount
Commission/Fee 0.1% per month (or part of month thereof) plus 0% GST ( minimum RM50 inclusive 0% GST)
Amendment -Others Commission/Fee RM50.00 inclusive 0% GST
Note : Opening commission is calculated at a prescribed rate on the LC amount for each month (or part of month thereof) of validity of LC, which is payable in full upon issuance of LC.
If there is a subsequent amendment to the expiry date and/or increase in LC amount , additional commission will be imposed based on the extended period and/or the increamental LC amount and will be payable upon amendment on LC.
2 INWARD BILLS FOR COLLECTION Issuance Commission/Fee 0.1% flat on bill amt plus 0% GST
Minimum RM10.00 inclusive 0% GST
Maximum RM500 for Local Bill inclusive 0% GST or
maximum RM100 for Foreign Bill inclusive 0% GST
Amendment (increase in amount) Commission/Fee 0.1% flat on increased bill amt plus 0% GST
Minimum RM10.00 inclusive 0% GST
Maximum RM500 for Local Bill inclusive 0% GST or
maximum RM100 for Foreign Bill inclusive 0% GST
Cancellation /Unpaid/ Dishonoured bills Commission/Fee Service charge RM50 inclusive 0% GST
3 INWARD BILL UNDER LC- USANCE Acceptance Commission/Fee 0.1% per month (or part of month thereof) on bill amount and usance period plus 0% GST ( min=RM50 inclusive 0% GST) Additional Commission on overdrawn LC amount or expired LC at 0.1% per month (part of month thereof) plus GST 0% (Minimum RM50 inclusive 0% GST)
Settlement after Maturity Interest 3.5% + BLR or as per Letter of Offer
4 INWARD BILL UNDER LC- SIGHT Issuance Commission/Fee Additional Commission on overdrawn LC amount or expired LC at 0.1% per month (part of month thereof) plus GST 0% (Min RM50 inclusive 0% GST)
Interest from reimbursement date by Agent Bank to date of payment at Bank’s Foreign Center Rate (FCR)
  Interest
5 FOREIGN BILLS OF EXCHANGE DISCOUNTED Issuance FBED-Non LC Commission/Fee 0.1% flat plus 0% GST or  min RM10.00 max RM100 inclusive of 0% GST
Interest Cost of Funds plus Margin as quoted by Treasury or as per LO terms
Issuance FBED-LC Commission/Fee 0.1% flat plus 0% GST or min RM10.00 max RM100 inclusive of 0% GST
Document Checking Fee RM100 inclusive 0% GST.
Interest Cost of Funds plus Margin as quoted by Treasury or as per LO terms
6 DOMESTIC BILLS OF EXCHANGE DISCOUNTED (DBED) Issuance DBED-Non LC Commission/Fee 0.1% flat plus 0% GST or min RM10.00 inclusive 0% GST or max RM500 inclusive 0% GST
Interest 3.5% + BLR or as quoted as per LO terms
Issuance DBED-LC Commission/Fee 0.1% flat plus 0% GST or min RM10.00 inclusive 0% GST or max RM500 inclusive 0% GST
Document Checking Fee RM50 inclusive 0% GST.
Interest 3.5% + BLR or as quoted as per LO terms
7 INWARD LETTER OF CREDIT Advising Commission/Fee RM40.00 inclusive 0% GST
Advising with Confirmation Commission/Fee Additional confirmation fee to be quoted plus 0% GST (where applicable)
Advising of Amendment Commission/Fee RM40.00 inclusive 0% GST
8 LETTER OF TRANSFER Transferring Commission/Fee 0.2% per month (or part of month thereof) plus 0% GST ( min=RM250 inclusive 0% GST)
Amendment: Increase in Amount Commission/Fee 0.2% per month (or part of month thereof) plus 0% GST ( min=RM50 inclusive 0% GST)
Amendment: Extension of Expiry Date Commission/Fee 0.2% per month (or part of month thereof) plus 0% GST ( min=RM50 inclusive 0% GST)
Amendment: Others Commission/Fee 0.2% per month (or part of month thereof) plus 0% GST ( min=RM50 inclusive 0% GST)
9 ECR - POST SHIPMENT Issuance Commission/Fee Transaction Fee = RM10.00 per transaction inclusive of 0% GST
Interest EXIM Bank funding rate + spread as per LO terms
Liquidation Commission/Fee Transaction Fee = RM10.00 per transaction inclusive of 0% GST
Non Payment at Maturity Interest 3.5% + BLR or as per LO
10 ECR-PRE SHIPMENT Issuance of Domestic
Purchase Order (DPO) / Local Purchase Order (LPO)
Commission/Fee 0.05% FLAT on value plus 6% GST
Min. = RM20.00 inclusive 0% GST
Max. = RM500.00 inclusive 0% GST
Lodgement/Drawdown
/Liquidation/Cancellation
Commission/Fee Transaction Fee=RM10.00 per transaction inclusive 0% GST
Interest Interest EXIM Bank funding rate + spread as per LO terms
Non Payment at Maturity Interest 3.5% + BLR or as per LO
11 BANK GUARANTEE (BG) Issuance Commission/Fee 0.1% per month (or part of month thereof) plus 0% GST ( min=RM100 inclusive 0% GST)
Format Vetting Fee RM250 - BG format vetting fee inclusive 0% GST
Amendment on Extension
of Expiry Date and/or Increase in Amount
Commission/Fee 0.1% per month (or part of month thereof) plus 0% GST ( min=RM50 inclusive 0% GST)
Amendment -Others Commission/Fee RM50.00 inclusive 0% GST
BG Assignment Commission/Fee RM250 inclusive 0% GST
Note : Opening commission is calculated at a prescribed rate on the BG amount for each month (or part of month thereof) of validity of BG, which is payable in full upon issuance of BG.
If there is a subsequent amendment to the expiry date and/or increase in BG amount , additional commission will be imposed based on the extended period and/or the increamental BG amount and will be payable upon amendment on BG
12 AD HOC BG Issuance Commission/Fee 0.125% per month (or part of month thereof) plus 0% GST (Min. = RM250 inclusive 0% GST)
Format Vetting Fee RM250 - BG format vetting fee inclusive of 0% GST
Amendment on Extension
of Expiry Date and/or Increase in Amount
Commission/Fee 0.125% per month (or part of month thereof) on BG increased amount and/or the new expiry date plus 0% GST Min. RM250 inclusive. 0% GST.
Amendment (Extend expiry date) Commission/Fee 0.125% per month (or part of month thereof) on the new expiry date plus 0% GST
Min. RM250 inclusive. 0% GST
Amendment Others Handling Fee RM50 inclusive 0% GST
BG Assignment Handling Fee RM250 inclusive 0% GST
Note : Opening commission is calculated at a prescribed rate on the BG amount for each month (or part of month thereof) of validity of BG, which is payable in full upon issuance of BG.
If there is a subsequent amendment to the expiry date and/or increase in BG amount , additional commission will be imposed based on the extended period and/or the new increased BG amount and will be payable upon amendment on BG
13 BG PLUS Issuance Commission/Fee As per package. Package A (Cash margin as collateral plus insurance) = 1.15% p.a. plus 0% GST, Package B (FD as collateral plus insurance) =1.25% p.a. plus 0% GST, Package C (Cash margin/FD as collateral without insurance) = 1.50% p.a. plus 0% GST or Min. = RM250 inclusive 0% GST
Amendment (increase in amount) Commission/Fee As per package. Package A= 1.15%p.a plus 0% GST, Package B=1.25% p.a. plus 0% GST, Package C = 1.50% p.a. plus 0% GST on the increased BG amount or Min. = RM250 inclusive 0% GST.
Amendment (Extend expiry date) Commission/Fee As per package. Package A= 1.15%p.a plus 0% GST, Package B=1.25% p.a. plus 0% GST, Package C = 1.50% p.a. plus 0% GST on the new expiry date or Min. = RM250 inclusive 0% GST.
Amendment (Amount and
Extend Expiry date)
Commission/Fee As per package. Package A= 1.15%p.a plus 0% GST, Package B=1.25% p.a. plus 0% GST, Package C = 1.50% p.a. plus 0% GST on the increased BG amount and new expiry date or Min. = RM250 inclusive 0% GST.
Amendment Others Handling Fee RM50 inclusive 0% GST
BG Plus Assignment Handling Fee RM250.00 inclusive 0% GST
Note : Opening commission is calculated at a prescribed rate from the date of BG Plus issuance and payable in full from the time from establishment of all BG Plus.
If there is any subsequent extension to the expiry date/increase in the amount of the BG Plus, additional commission will be imposed based on extended period or the increase BG Plus amount and will be collected when the BG Plus is extended or the amount increased
14 BANKERS ACCEPTANCE (BA) Issuance/Discount Discount Interest/
Acceptance Commission
Discount Interest as quoted by the Bank plus Acceptance commission as prescribed in LO
15 OUTWARD BILLS COLLECTION- DOMESTIC Issuance Commission/Fee 0.1% flat plus 0% GST or min. RM10.00 inclusive. 0% GST and max RM500 inclusive 0% GST
Amendment Commission/Fee 0.1% flat plus 0% GST or min. RM10.00 inclusive. GST maximum and RM500 inclusive 0% GST
16 OUTWARD BILLS COLLECTION- FOREIGN Issuance Commission/Fee 0.1% flat or min. RM10 and max. RM100
Amendment Commission/Fee 0.1% flat or min. RM10 and max. RM100
17 TRUST RECEIPT (TR)/ FOREIGN CURRENCY TR (FTR) Issuance Interest Prescribed rate as per LO terms
Non Payment on Maturity Interest 1% above prescribed rate /or as per LO terms
18 ENDORSEMENT OF TRANSPORT DOCUMENT/SHIPPING GUARANTEE (SG) Issuance Commission/Fees Flat 0.1% on invoice amount Minimum RM50.00 inclusive 0% GST
Unredeemed SG (not cancelled within 3 months
from date of issue)
Commission/Fees Additional 0.5% per annum on amount until date of return of SG Minimum RM50.00 inclusive 0% GST
19 STANDARD CHARGES ON
ALL PRODUCTS
  Courier Local
Minimum RM10.00 inclusive 0% GST, Maximum RM25.00. inclusive 0% GST
Foreign
Minimum RM60.00 inclusive 0% GST, Maximum as per DHL published rate plus 0% GST
RENTAS RM9.00 inclusive 0% GST
Postage RM10.00 inclusive 0% GST
Swift/ Cable Minimum RM15.00 inclusive 0% GST, Maximum RM115 inclusive 0% GST
Revenue Stamp RM10

Note: Affin Bank Berhad reserves the right to vary the fees, charges and interest as stated above with prior notice or as agreed with the customer in the Letter of Offer.

In accordance with the provisions of the Goods and Services Tax (GST) Act 2014, the fees and charges is subject to GST at zero rate if the transaction relates to export of goods outside Malaysia.

Individuals (New Fee and Charges)

Intrabank Funds Transfer

No Items Channels
Internet banking Mobile banking ATM Over-the-counter (OTC)
1 Fees and Charges (RM per transaction) NIL N/A NIL NIL
2 Daily transaction limit (RM per day)
  1. Own Account Transfer - No limit
  2. 3rd party Transfer - RM10,000
N/A
  1. Own card Account Transfer - No limit
  2. 3rd party Transfer - RM3,000 combined limit with cash withdrawal
No limit (Subject to available fund)
3 Payment reference        
  (i) Availibility of payers' names and payment references in beneficiaries' bank statement YES N/A NO YES
  (ii) Availibility of beneficiaries' names and payment references in payers' bank statement YES N/A NO YES
4 Operating hours 24/7 N/A 24/7 Banking Hours*
    For all channels
5 Crediting time        
  (i) Monday - Friday Immediate N/A Immediate Immediate
  (ii) Non-business days Immediate N/A Immediate N/A
6 Refund time N/A N/A N/A N/A

*Banking Hours:
Peninsular Malaysia
9:15 am to 4:15 pm (Monday to Thursday)
9:15 am to 4:00 pm (Friday)

Kelantan & Terengganu
9:15 am to 4:15 pm (Sunday to Wednesday)
9:15 am to 4:00 pm (Thursday)

Sabah & Sarawak
9:00 am to 4:00 pm (Monday to Friday)

Interbank GIRO (IBG)

No Items Channels
Internet banking Mobile banking ATM Over-the-counter (OTC)*
1 Fees and Charges (RM per transaction) RM0.10 per transaction (inclusive of 0% GST) N/A RM0.30 per transaction (inclusive of 0% GST) RM 2.00 per transaction (inclusive of 0% GST)
2 Daily transaction limit (RM per day) RM 50,000 combined limit with IBFT N/A RM 50,000 Combined limit with IBFT RM1,000,000.00
3 Payment reference        
  (i) Availibility of payers' names and payment references in beneficiaries' bank statement YES YES YES YES
  (ii) Availibility of beneficiaries' names and payment references in payers' bank statement YES N/A N/A YES
4 Future-dated payments YES N/A N/A NO
5 Operating hours 24/7 N/A 24/7 Banking Hours*

Note: Fees and charges are inclusive of 0% GST
* FOC for senior citizens and the disabled persons (OTC Service Only)

Interbank Giro (IBG) Transaction Time

    Internet Banking And Over-the-counter (OTC)
1 **Crediting time **Funds Received by Beneficiaries **Refund for Unsuccessful Transactions
  (i) Monday - Friday      
  Before 5.00am Same business day By 11.00am By 5.00 pm
  5.01am-8.00 am By 2.00pm By 8.20 pm
  8.01am-11.00am By 5.00pm By 11.00 pm
  11.01am-2.00pm By 8.20pm By 11.00 am, next business day
  2.01pm-5.00pm By 11.00pm
    After 5.00pm Next business day By 11.00am By 5.00 pm
  (ii) Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11.00am By 5.00 pm
 
    ATM
2 **Crediting time **Funds Received by Beneficiaries **Refund for Unsuccessful Transactions
  (i) Monday - Friday      
  Before 4.00am Same business day By 11.00am By 5.00 pm
  4.01am-7.00 am By 2.00pm By 8.20 pm
  7.01am-10.00am By 5.00pm By 11.00 pm
  10.01am-1.00pm By 8.20pm By 11.00 am, next business day
  1.01pm-4.00pm By 11.00pm
    After 4.00pm Next business day By 11.00pm By 5.00 pm
  (ii) Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11.00pm By 5.00 pm

**Under normal circumstances

Instant Interbank Funds Transfer (IBFT)

No Items Channels
Internet banking Mobile banking ATM
1 Fees and Charges (RM per transaction) RM0.50 per transaction (inclusive of 0% GST) N/A RM0.50 per transaction (inclusive of 0% GST)
2 Daily transaction limit (RM per day) RM 50,000 combined limit with IBG N/A RM 50,000 combined limit with IBG
3 Payment reference      
(i) Availibility of payers' names and payment references in beneficiaries' bank statement YES N/A NO
(ii) Availibility of beneficiaries' names and payment references in payers' bank statement YES N/A NO
4 Operating hours 24/7 N/A 24/7
    For all channels
5 Crediting time      
  (i) Monday - Friday Immediate N/A Immediate
  (ii) Non-business days Immediate N/A Immediate
6 Refund time N/A N/A N/A

Note: Fees and charges are inclusive of 0% GST

Rentas

No Items Channels
Internet banking Mobile banking Over-the-counter (OTC)
1 Fees and Charges (RM per transaction) N/A N/A RM 5.00 per transaction (inclusive of 0% GST)
2 Payment reference      
(i) Availibility of payers' names and payment references in beneficiaries' bank statement N/A N/A YES
(ii) Availibility of beneficiaries' names and payment references in N/A N/A YES
3 Operating hours N/A N/A Banking Hours*
    For all channels
4 Crediting time      
  (i) Monday - Friday N/A N/A RFI crediting time
  (ii) Non-business days N/A N/A N/A
5 Refund time N/A N/A Upon receipt from Recipient Bank

Note: Fees and charges are inclusive of 0% GST

Other related fees/charges for online banking (internet and mobile banking)

No. Items RM
1 Other related charges  
  (i) Maintenance / subscription fee NIL
  (ii) Security tokens NIL
  (iii) Annual digital certificates NIL
  (iv) Salary payment / payroll NIL
  (v) Notification / SMS NIL
  (vi) Training NIL
2 Incentives and packages NIL

Businesses (New Fee and Charges)

Intrabank Funds Transfer

No. Items Channels
Internet Banking Mobile Banking ATM Over-the-
counter (OTC)
1. Fees and Charges
(RM per transaction)
       
Sole-proprietors, partnership
and SME*
No Charges N/A N/A RM 2.00
Other corporates No Charges N/A N/A RM 2.00
2. Daily transaction limit
(RM per day)
       
Sole-proprietors, partnership
and SME*
Customer’s
own limit
N/A RM 3,000
combined limit
with Cash
Withdrawal
Available limit
Other corporates Customer’s
own limit
N/A N/A Available limit
3. Payment reference
(i) Availibility of payers'
names and payment
references in beneficiaries'
bank statement payment
references in payers' bank
statement
YES N/A N/A YES
(ii) Availibility of
beneficiaries' names and
payment references in
payers' bank statement
YES N/A N/A YES
4. Operating hours 24/7
(System update time: 12:00 am - 1:00 am
N/A N/A *Banking hours
    For all channels    
5. Crediting time
(i) Monday - Friday
Immediate N/A    
(ii) Non-business days Immediate N/A    
6. Refund time Immediate
(Upon Beneficiary consent)
N/A    

* For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

*Banking Hours:
Peninsular Malaysia
9:15 am to 4:15 pm (Monday to Thursday)
9:15 am to 4:00 pm (Friday)

Kelantan & Terengganu
9:15 am to 4:15 pm (Sunday to Wednesday)
9:15 am to 4:00 pm (Thursday)

Sabah & Sarawak
9:00 am to 4:00 pm (Monday to Friday)

 

Interbank GIRO (IBG)

No. Items Channels
Internet Banking Mobile Banking ATM Over-the-
counter (OTC)
1. Fees and Charges
(RM per transaction)
       
Sole-proprietors, partnership
and SME*
RM 0.10** N/A N/A RM 2.00
Other corporates RM 0.10** N/A N/A RM 2.00
2. Daily transaction limit
(RM per day)
       
Sole-proprietors, partnership
and SME*
Max. RM
1,000,000 per
transaction
N/A N/A Max. RM
1,000,000 per
transaction
Other corporates Max. RM
1,000,000 per
transaction
N/A N/A Max. RM
1,000,000 per
transaction
3. Payment reference
(i) Availibility of payers'
names and payment
references in beneficiaries'
bank statement payment
references in payers' bank
statement
YES N/A N/A YES
(ii) Availibility of
beneficiaries' names and
payment references in
payers' bank statement
YES N/A N/A YES
4. Future-dated payments YES N/A N/A NO
5. Operating hours 24/7
(System update time: 12:00 am - 1:00 am
N/A N/A *Banking hours
    For all channels  
6. **Crediting time
(i) Monday - Friday
**Funds Received by
Beneficiaries
**Refund for
Unsuccessful
Transactions
 
(i) Monday - Friday        
Before 5:00 am Same business
day
By 11:00 am By 5.00 pm  
5:01 am - 8:00 am By 2:00 pm By 8.20 pm  
8:01 am - 11:00 am By 5:00 pm By 11.00 pm  
11:01 am - 2:00 pm By 8:20 pm By 11.00 am,
next business
day
 
2:01 pm - 5:00 pm By 11:00 pm  
After 5:00 pm Next business
day
By 11:00 am By 5.00 pm  
(ii) Non-Business Days
(Saturday, Sunday and
Federal Territory Public
Holidays)
Next business
day
By 11:00 am By 5.00 pm  
7 ***Refund time

If transaction is approved before 11.30am on working day, refund will be on the same day.

If transaction is approved after 11.30am on working day, refund will be on the next working day latest by 10.30 am.

* For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers
** The fees/charges are inclusive of 0% GST where applicable, starting 1 June 2018 
***Under normal circumstances

 

Instant Interbank Funds Transfer (IBFT)

No. Items Channels
Internet Banking Mobile Banking ATM Over-the-
counter (OTC)
1. Fees and Charges
(RM per transaction)
       
Sole-proprietors, partnership
and SME*
N/A N/A RM 1.00  
Other corporates N/A N/A N/A  
2. Daily transaction limit
(RM per day)
       
Sole-proprietors, partnership
and SME*
N/A N/A RM 5,000.00
(Only for Sole-
proprietors)
 
Other corporates N/A N/A N/A  
3. Payment reference
(i) Availibility of payers'
names and payment
references in beneficiaries'
bank statement payment
references in payers' bank
statement
N/A N/A N/A  
(ii) Availibility of
beneficiaries' names and
payment references in
payers' bank statement
N/A N/A N/A  
4. Operating hours N/A N/A N/A  
    For all channels    
5. Crediting time
(i) Monday - Friday
N/A N/A    
(ii) Non-business days N/A N/A    
6. Refund time N/A N/A    

* For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers

 

Rentas

No. Items Channels
Internet Banking Mobile Banking ATM Over-the-
counter (OTC)
1. Fees and Charges
(RM per transaction)
       
Sole-proprietors, partnership
and SME*
RM 2.00**
(w.e.f 1 October
2014)
N/A   RM 5.00
(w.e.f 1 October
2014)
Other corporates RM 9.00**
(w.e.f 1 October
2014)
N/A   RM 9.00
2. Payment reference
(i) Availibility of payers'
names and payment
references in beneficiaries'
bank statement payment
references in payers' bank
statement
YES N/A   To be
implemented by
June 2015
(ii) Availibility of
beneficiaries' names and
payment references in
payers' bank statement
YES N/A   To be
implemented by
June 2015
3. Operating hours 7:00 am - 4:00 pm N/A N/A *Banking hours
    For all channels    
4. Crediting time
(i) Monday - Friday
Immediate N/A    
(ii) Non-business days Next Working Day N/A    
5. Refund time Immediate upon
return from
RENTAS
N/A    

* For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers
** The fees/charges are inclusive of 0% GST where applicable, starting 1 June 2018 

 

Other Related Fees/ Charges for Online Banking (Internet and Mobile Banking)

No. Items Sole-proprietors,
partnership and SME*
Other corporates
1. Other related charges    
i. Maintenance / subscription fee RM20.00** per month RM20.00** per month
ii. Security tokens RM150** One-time RM150** One-time
iii. Annual digital certificates Not applicable Not applicable
iv. Salary payment / payroll RM0.10** for IBG RM0.10** for IBG
iv. Notification / SMS No Charges
(via email)
No Charges
(via email)
v. Training No Charges No Charges
2. Incentives and packages
(i) Free subscription for SME
(ii) Free first 2 security tokens for SME

* No charges for Affin Bank Account
* For manufacturing sector, sales turnover not exceeding RM50 mil or full-time employees not exceeding 200 workers; for services and other sectors, sales turnover not exceeding RM20 mil or full-time employees not exceeding 75 workers
** The fees/charges are inclusive of 0% GST where applicable, starting 1 June 2018 
**
*Under normal circumstances

For further information, please call our Call Centre at 03-8230 2222, or visit the nearest AFFINBANK / AFFIN ISLAMIC branch today.

Visa Debit Card

Item Tariff
Annual Fee First Year: WAIVED.
Subsequent year: RM12.00 p.a.

RM8.00 (Applicable to Basic Saving Account and Basic Current Account)
Replacement Card Due to lost/stolen card, loss of PIN or card damaged by Cardmember - RM12.00

Due to faulty card returned on technical defects or recalled by the Bank for replacement - Exempted

Due to fraud transaction or card information compromised - Exempted
Balance Enquiry Fee via AFFINBANK and AFFIN ISLAMIC ATM Free
Withdrawal Fee via AFFINBANK and AFFIN ISLAMIC ATM Free
Withdrawal Fee via other Banks ATM / MEPS RM1.00 per withdrawal / transaction at Local MEPS member bank ATM including Kuwait Finance House and Al-Rajhi Bank.

RM4.00 per withdrawal at Local Foreign Bank ATMs (Citibank, Standard Chartered, UOB, HSBC & OCBC) via MEPS network

RM12.00 per withdrawal at Cross Border MEPS member bank (Indonesia, Singapore, China & Thailand)

RM12.00 per withdrawal via VISA network.
Interbank Fund Transfer via ATM RM0.10 per GIRO transaction via MyClear network

RM0.50 per instant transfer via MEPS network
Cheque Book Request via ATM RM2.25 (Stamp Duty)

RM5.00 (Postage Charge)
Copy of sales draft RM10.00 per copy
Overseas Transaction Conversion Fee Where the Cardmember uses the Card outside Malaysia, the transaction incurred will be converted to Ringgit Malaysia where the exchange rate is determined by VISA International at the date it is processed by VISA International plus up to 1% foreign exchange spread (previously known as administration cost).
Goods and Servises Tax (GST) 0% imposed on selected fees and charges

Cheque and Current Account Services

Items RM Effective Date
Fee per cheque issued RM0.15 per Leaf (stamp duty) No Change
RM0.50 Cheque Processing Fee per Leaf 2 January 2015
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