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| 1. ATM Regional Link |
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| 1.1 About ATM Regional Link |
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What is ATM Regional Link service?
ATM Regional Link service is a cross-border ATM withdrawal service initiated by MEPS which will
enable our Bankcard (ATM card) holders to withdraw cash in foreign currencies using other country's
ATM network i.e. NETS of Singapore and Arta Jasa of Indonesia. This cross-border ATM withdrawal
service is also available to Singaporeans and Indonesians whenever they travel to Malaysia.
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| 1.2 Eligibility |
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Who are eligible to use this service?
All AmBank's ATM Card holders are allowed to use this new service.
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| 1.3 Services |
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How can I use this new service?
You are required to activate your bankcard (ATM card) before you travel to Singapore or Indonesia through
any of the following channels:
- AmBank ATMs;
- AmBank Contact Centre at 1300 80 8888 (Domestic) or (603) 2178 8888 (Overseas);
- AmBank Branches
Customers may opt for either the temporary (by stating the number of months) or permanent ATM Regional
Link service whenever they activate the ATM Regional Link service via any of the abovementioned channels.
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Am I required to deactivate the ATM Regional Link service once I return from Singapore or Indonesia?
Yes, you are advised to deactivate your bankcard (ATM card) ATM Regional Link service once you returned
from either Singapore or Indonesia for security purposes.
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What are the types of transactions offered for this cross-border service?
For the time being, this cross border ATM service only supports Cash Withdrawal transaction.
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How do I recognise an ATM that provides this service while travelling in Singapore/Indonesia?
While travelling in Singapore/Indonesia, look out for the NETS/Artajasa ATM which displays the "Bankcard"
service logo as shown below:
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How do I recognise an ATM that provides NETS and Artajasa service?
While travelling in Malaysia, look out for AmBank ATM which displays the "NETS" or "ATM Bersama" logo
as shown below:
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| 1.4 Withdrawal Limits |
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What is the minimum and maximum withdrawal limits?
The withdrawal limits are the same as the local withdrawal limits.
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| 1.5 Fees |
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What is the service fee being charged for this cross-border service?
RM10 will be debited from customer's account for every successful ATM Regional Link cash withdrawal
transaction performed at NETS of Singapore or Arta Jasa of Indonesia ATMs.
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| 1.6 Launch Date |
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When will this service be made available?
ATM Regional Link Service with:
- NETS Since 27 Nov 2006
- Artajasa Since 23 Jan 2007
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| 2. Visa PLUS |
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| 2.1 What is Visa PLUS? |
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Visa PLUS is an integrated global ATM network that allows the cardholders to access their saving,
current or credit card account when they are traveling overseas.
Cardholders will be able to make cash withdrawal and balance enquiries at ATMs displaying the Visa
PLUS logo worldwide.
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| 2.2 When will AmBank ATMs offering these facilities? |
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From 16th January 2006 onwards (for acquiring only).
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| 2.3 Who can use Visa PLUS facilities? |
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International ATM card credit cardholders bearing Visa PLUS logo.
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| 2.4 What are the services available? |
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Cash withdrawal and balance enquiries only.
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| 2.5 What do the customers need to do before they can use Visa PLUS facilities? |
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Cardholders are required to activate their ATM or Credit Card for overseas usage through their
issuing bank.
Once activated, cardholders may use ATM or Credit Card for Visa PLUS facilities at our AmBank ATMs.
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| 2.6 What are the service charges? |
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As an acquirer, AmBank will not charge cardholder for the Visa PLUS acquiring transactions. Please
refer to issuing bank for the service charges.
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| 2.7 How much can a customer withdraw using these facilities? |
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Follow the existing withdrawal limit set by ATM cardholders at the issuing bank.
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| 2.8 What will be the currency rate for cash withdrawal and balance enquiries? |
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The currency rate will be controlled by Visa PLUS and should be a standard rate (in RM) across all
participating banks in Malaysia.
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| 3. ATM: Round the Clock Banking |
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| 3.1 What are the Round the Clock Banking hours for ATM? |
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The Round the Clock Banking hours is from 2am to 12 midnight.
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| 3.2 When will AmBank ATMs offering these Round the Clock Banking hours? |
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From June 2007 onwards.
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| 3.3 Who can use this facility? |
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During these Round the Clock Banking hours, the following accountholders can perform the selected
transactions via our AmBank ATM Machines:
- AmBank ATM cardholders
- AmBank credit cardholders
- MEPS Local/Regional Link ATM cardholders (Other Bank accountholders, provided their systems are up)
- International ATM/Debit and credit cardholders bearing MasterCard Cirrus or Visa Plus logo
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| 3.4 What are the services available? |
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The services offered are as follows:
- Withdraw cash
- Check account balances
- Check Hire Purchase and Consumer Loans status*
- Pay Bills*
- Fund Transfer*
- Repayments*:
(a) Consumer Loan: 6am – 9pm
(b) Credit Card: 6am – 12am#
(c) Hire Purchase: 6am – 12am
- Cash Advance from Credit Card (for AmBank and MBF Credit Card*)
- Cheque Book & Current Account statement request*
- Fixed deposit placement*
- Check Share Application status
- Top-up Unit Trust*
- Create Web PIN for AmOnline
- Check Touch 'n Go balance and Reload*
- ATM Regional Link Services+. Please click here to find out more.
(a) NETS Regional Link (Singapore)
(b) Arta Jasa Regional Link (Indonesia)
- MasterCard Cirrus and Visa Plus cash withdrawal and balance inquiry*
* Not available from 2am to 6am.
+ Not available from 2am to 4am.
# AmBank Credit Card payment received after 10pm will be considered next day’s transaction.
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| 3.5 How much can a customer withdraw using these facilities? |
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Follow the existing withdrawal limit set by cardholders.
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| 4. Inter-Bank Funds Transfer |
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| 4.1 What is Inter-Bank Funds Transfer? |
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Interbank Fund Transfer (IBFT) is a facility at Automated Teller Machines (ATMs) that enables AmBank/AmIslamic customers to transfer funds from one account to another account that is maintained with MEPS participating banks and vice versa. |
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| 4.2 How does it work? |
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There are three different ways on how you can perform IBFT at ATMs.
- Interbank Funds Transfer at AmBank/AmIslamic Bank ATM
- Interbank Funds Transfer at beneficiary’s bank ATM
- Fund transfer at other participating bank’s ATM
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| 4.3 Who are the participating banks? |
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- AmBank
- Maybank
- Public Bank
- RHB Bank
- Bank Rakyat
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| 4.4 Is there any limit to the amount of funds that can be transferred per day? |
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Yes. The maximum amount is RM5, 000.00 per day.
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| 4.5 If I exceed the ATM withdrawal limit while performing IBFT, will I be able to perform other transactions via ATM e.g. Cash withdrawal? |
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Yes. You can perform other transactions via ATM including ATM cash Withdrawal as it is separate limit from RM5, 000.00 IBFT daily limits.
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| 4.6 If I exceed the ATM withdrawal limit while performing IBFT, will I be able to perform same transaction (InterBank GIRO) via AmOnline? |
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Yes. You can perform Interbank GIRO via AmOnline as it is separate limit from the RM5, 0000.00 IBFT daily limits. |
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| 4.7 Do I need to register or subscribe to this service? |
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No registration or subscription is required. This service is readily available for customers of participating banks.
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| 4.8 When will the funds made available? |
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Recipient will receive the transferred funds immediately as it is an online and real-time funds transfer service.
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| 4.9 What are the operating hours? |
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This service is available from 6:00 am to 12 midnights. |
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| 4.10 What is the service fees/charges for this service? |
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For every successful IBFT transaction, a service fee of RM 1.00 will be imposed. |
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