public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
 
Fees & Charges: Deposits

1) WADIAH SAVINGS ACCOUNT-i / BESTARI SAVINGS ACCOUNT-i

No Types of Charges Amount
1. Annual service fee on Inactive Account*  
a) For balances less than  RM10-00 Account will be closed and the balances will be absorbed as a fee (6% GST is applicable on the balances)
b) For balances more than  RM10-00 RM10-60 per account is charged annually
*Note: The annual service fee is only imposed on inactive Savings or Current Accounts which do not have any deposit or withdrawal transaction for a continuous period of at least twelve (12) months.  
2. Replacement of lost Savings Account passbook RM10-00, plus stamp duty (not subject to GST)
3. Closure of account (within six months from the date opened) RM10-00 (not subject to GST)
4. Hardcopy Monthly Statement (applicable for PB Day2Day Card only) RM1-06
5. Issuance of Letter of Confirmation/Certification RM10-60
6. Bestari Savings Account-i Free unlimited withdrawals
7.

Savings Account Statement
Request**

**Note: The above service charge is not applicable for the request of details of Nobook Consolidated Transactions.

RM2-12 per page plus RM10-60 per request for statements available in the on-line system; or 
RM2-12 per page plus RM26-50 per request for statements not available in the on-line system 

Note: This is not applicable to BASIC Wadiah Savings Account-i, for Basic Wadiah Savings Account-i charges. Please click here!

2) WADIAH CURRENT ACCOUNT-i

No Types of Charges Amount
1.

Annual service fee on Inactive Account*

 
  For balances more than RM10-00

*Note: The annual service fee is only imposed on inactive Savings or Current Accounts which do not have any deposit or withdrawal transaction for a continuous period of at least twelve (12) months.
RM10-60 per account is charged annually
2. Closure of current account (within six months from the date opened) RM20-00 (not subject to GST)
3. Dishonoured cheque due to insufficient funds RM100-00 per cheque (not subject to GST)
4. Audit Confirmation RM53-00 per request
5. Stopped payment cheque  
- With sufficient funds RM15-90 per cheque
- With insufficient funds RM100-00 per cheque will be imposed when the cheque is presented (not subject to GST)
6. Cheque encashment RM3-18 per cheque
No fee charge for encashment of cheque by personal account holders and nominated third party
7. Duplicate statements  
- Within 1 year RM2-12 per copy and service charge of RM10-60
- Above 1 year RM2-12 per copy and service charge of RM26-50
8. Request for change of mandate for operating account RM10-60 per request
9. Post- dated cheque returned

Imposed on business accounts only
RM10-00 per cheque (to be collected from the payee) (not subject to GST)
10. Automatic Fund Transfer Facility RM5-30 per transfer
11. Opening of a DCHEQS Special Account RM53-00
12. Half- yearly service charge
Accounts exempted from the service charge:
RM10-60 for each half- year on the account with an average balance during the half- year of less than RM 1,000-00
-
Government Accounts
- Accounts with overdraft facilities
- New account opened for less than 1 month
13. Payment Instructions from Other Banks Service charge: RM2-12 per transaction
14.

Salary Payment Service


Manual Salary Crediting – for employees' accounts credited manually Service charge: RM2-65 per employee's account
Electronic Credit Payment System (ECP) for employees' account credited electronically (via ECP)  Service charge: RM1-06 per employee's account
15. Withdrawal from Housing Developers’ Account-i Service charge: RM10-60 per transaction (excluding stamp duty and commission where applicable) is to be levied
16.

Reimbursement Fee for Cash Deposits:

Fee for handling and bundling cash:

Below RM10,000-00 N/A
RM10,000-00 and above RM53-00 for cash deposit of RM10,000-00
  Additional RM53-00 for every subsequent RM10,000-00 or part thereof
Imposed on business accounts only  
17.

Marking of Cheques:

 
House Cheques Issued and Deposited within the Same Branch (in Branch Marked Cheque) (Imposed on business accounts only) RM5-30
18.

Interbranch Cheque Encashment & Interbranch Marked House Cheque:

 
Interbranch Cheque Encashment N/A
Interbranch Marked House Cheque (Imposed on business accounts only) RM10-60
19. Cancellation of Stop Payment Instruction RM10-60 per request
20. Postage for sending cheque book(s) to customers Actual courier charges plus 6% GST for sending the cheque book to customers upon their request
21. Cheque Books Uncollected for more than 60 days from the date of its issuance RM31-80 per cheque book
22. Cheque Image Retrieval Request RM1-06 per page plus RM10-60 per request for cheque images available in Branch's database
  RM5-30 per page plus RM10-60 per request for cheque images not available in Branch's database
23. Photocopy of Cheques, Pay-in Slips And Advices RM1-06 per page + RM10-60 per request within 1 year period; or ,
  RM1-06 per page + RM21-20 per request above 1 year period

Note: Not applicable for BASIC Wadiah Current Account-i, for Basic Wadiah Current-i charges. Please click here!
3) MUDHARABAH GENERAL INVESTMENT ACCOUNT-i (MGIA-i) / ISTISMAR ACCOUNT-i (IA-i)/ TERM DEPOSIT-i (TD-i)

No Types of Charges Amount
1. Lost / Misplaced MGIA-i / IA-i Receipt / TD-i Receipt (upon execution of the Indemnity Form) RM5-00 service charge plus
RM10-00 stamp duty for the "Indemnity Letter for Lost of Investment Deposit" (not subject to GST)
4) Foreign Currency Current Account-i

No Types of Charges Amount
1. Account maintenance fee
USD21-20 (or its equivalent in RM) per annum per customer, regardless of the number of accounts, is payable upfront on opening of the first account and is thereafter payable on 1 December of subsequent years.
2. Transaction charges  
a) Individual customer
Type of Currencies Transaction Charges per Debit Transaction
USD USD1-06
GBP GBP0-53
AUD AUD1-06
EURO EURO0-53
NZD NZD2-12
Note: Individual customers refer to residents, non-residents, sole-proprietor and partnership.
b) Non-Individual customer USD4-24 (or its equivalent in RM) per debit transaction (payments)
 
 
Fees & Charges: Financing
1) Type of charges

No Type of Charges Amount
1. Dun and Bradstreet Trade checking on drawee of large trade bills exceeding RM200,000-00 RM83-75 per unit on
reimbursement basis
2. Cheque honoured resulting in Temporary Cash Line Facility-i (TCLF-i) or Temporary Excess Cash Line Facility-i (TECLF-i) RM159-00 per cheque honoured
(subject to a maximum of RM795-00 per customer per day i.e 5 Cheques per day)
3. Wadiah Current Account-i  
- Processing fee for cheque honoured resulting in TECLF-i/TCLF-i being created - First RM2,000-00 or part thereof:
RM20-00
- Every subsequent RM1,000-00 or part thereof: RM10-00
4. Reimbursement cost for site inspection of project to support drawdown of bridging financing RM212-00 for each progressive release (applicable for Non-SME/Corporate Bridging Financing Customer only)
5. Specific request for
 
- Change in credit terms & conditions
(except for the request to insure property(ies) charged to the Bank by Non-Panel Insurers/Impaired Financing and/or R & R cases)
RM212-00 per approved request
- Reinstatement of House Financing, Fixed Financing or Term Financing which have been paid down
6. Request for redemption statement for the purpose of partial / full settlement of house financing facilities  
- individual RM53-00 per request
7. Request to redeem Title / Lot RM53-00 per title / lot
8. Confirmation of signatories for Government Tender Purpose RM21-20 per request
9. Confirmation / Statement issued to house financing customers for EPF withdrawal RM21-20
10. Set up fee for HomeSave-i Financing Account RM212-00 (one off payment)
11. Monthly maintenance fee for HomeSave-i Financing Account RM10-60
12. Administrative Fee for Security Documents for BAE / Plus BAE / Plus Cash Line Personal Financing-i RM106-00
13. Retrieval of Financing and Securities Documents in Bank's Custody RM10-60 per request plus photostating charges
14. Disbursement Charges for Financing under Contract Financing RM265-00 per financing release
15. Processing Fee on facilities secured by unit trust RM53-00
16. Request for additional financing account statement RM5-30 per page
17. Cancellation fee for Mortgage Financing / Property financing in the event that the approved facilities are cancelled prior to the disbursement of facilities RM2,120-00
18. Service fee for Redraw Facility-i RM53-00 for each successful redrawal transaction
19. Processing Fee/Upfront Fee:  
  a) Processing Fee*
Type Financing Amount Processing Fee
Purchase/Refinancing of Residential Property under HOME/MORE Plan
Up to RM30,000-00 RM53-00
RM30,001-00 to RM100,000-00 RM106-00
Above RM100,000-00 RM212-00
Purchase of Commercial & Industrial Property (excluding land) under SWIFT/SMILAX Plan RM212-00


b) Upfront Fee*
Type Facility Fee Chargeable
Facility(ies) Secured by All Types of Land (excluding Bridging Financing) 0.106% - 0.212% of total financing amount subject to a minimum of RM530-00
Bridging Financing 0.212% of total financing amount subject to a minimum of RM3,180-00

*Note: The computation of the Processing Fee/Upfront Fee for financing applications are to exclude the amount of MRTA/MRTT/BLDTA/BLDOTA, etc. financed.
20. Commitment Fee on the undrawn portion of the Revolving Credit-i and Term Financing-i limit under Bridging Financing 1.0% p.a. (not subject to GST)
2) AITAB Hire- Purchase-i
No Type of Charges Amount
1. Retrieval of documents  
- Within branch RM10-60
- From off-site storage RM21-20
2. Transfer of facility from original account holding branch to another nominated branch RM106-00 per transfer
3. Issuance of duplicate letter of Release of Ownership Claim RM106-00 per copy
4. Issuance of Letter of Consent to JPJ on change of vehicle engine RM53-00 per letter
5. Issuance of Letter to JPJ on issuance of duplicate vehicle registration card
RM53-00 per letter
6. Issuance of Letter to JPJ on interchange of registration number RM53-00 per letter
7. Photocopy of hire purchase agreement RM10-60 per copy
For new vehicles / imported reconditioned vehicles:
8. Ownership, Registration and Handling Charges RM53-00
9. Transport charges for:  
- Stamping of AITAB Hire Purchase-i Agreement at stamp office RM10-60
- Courier Service

RM10-60

10. - Photostat charges RM10-60
- Postage charges RM10-60
- Fax and telephone charges RM15-90
11. e- Hakmilik transaction fees for:  
- Registration of Ownership Claim RM3-18
- Change Request RM3-18
For used vehicles:
12. Transport charges:  
- Registration and transfer RM10-60
- Redemption / stamp office RM10-60
- Settlement with another Bank / finance company RM15-90
- Courier Service RM10-60
13. - Photostat charges RM10-60
- Postage charges RM10-60
- Photograph cost (applicable for vehicle purchased from non-car dealer) RM10-60
- Fax and telephone charges RM15-90
- Settlement with another Bank / finance company RM31-80
14. Transport charges for inspection of vehicle conducted away from branch RM10-60 per inspection
15. Interbranch inspection of vehicle RM53-00 per inspection
16. e- Hakmilik transaction fees for:  
- Registration of Ownership Claim RM3-18
- Change Request RM3-18
3) Foreign Currency Financing -i
1. Stamp Duty Amount (RM) 
Letter of Offer RM10-00
Other Security Document:  
Letter of Set Off RM10-00
Property Purchase Agreement Exempted from duty under Stamp Duty Order (Exemption) 1987 P.U. (A) 69
Property Sale Agreement / Property Sale Agreement Cum Assignment RM5-00 for every RM1,000-00 (or part thereof)
(20% discount on stamp duty payable on principal document until 31 December 2015)
Charge Annexure / Deed of Assignment One- fifth of the duty on the principal security but not exceeding RM10-00
Letter of Guarantee One- fifth of the duty on the principal security but not exceeding RM10-00
2. SWIFT Charges (Destination)  
Singapore RM15-90
All other countries   RM31-80  
3. Foreign Currency Term Financing-i Processing Fee :
Size of financing
(for approved financing and one- off)
Up to RM30,000 equivalent RM53-00
RM30,001 - RM100,000 equivalent RM106-00
RM 100,000 above equivalent RM212-00 / Ad valorem
 
 
Fees & Charges: Islamic Credit Card-i

1) Public Islamic Bank Visa Gold/MasterCard Gold Credit Card-i

No Types of Charges Amount
1. Annual fees:  
• Principal • RM159-00
• Supplementary • RM106-00
2. Management Fee (Ujrah)
Payment Behaviour   Management Fee (Ujrah)
a. With prompt minimum payment for 12 months within 12 consecutive months. 15% p.a. of the total outstanding balance from the 13th month.
b. With prompt minimum payment for 10 months and more within the last 12 consecutive months. 17% p.a. of the total outstanding balance from the 11th month.
c. Credit cardholder who do not meet the above criteria.   18% p.a. of the total outstanding balance.  

Note: The tiered management fee only applicable to the outstanding balances arising from retail transactions. Balances accrued from Cash Advance will be charged management fee at 18% p.a. Management Fee is calculated on the outstanding balances on a daily basis.
3. Cash Advance Fee
  • Public Islamic Bank/Public Bank Branches/ATMs: 5.30%. Min RM21-20
  • Affiliated Banks and Financial Institutions Worldwide: 5.30%. Min RM21-20
A one time cash advance fee based on the above will be charged to account for the amount of cash advance or a minimum of RM21-20. In addition management fee will be computed on each advance from the date the cash is advanced until the date it is settled in full.
4. Late Payment Charges Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM10-00 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM100-00, shall be debited to the Credit Card Account (not subject to GST).
5. Minimum Monthly Payment 5% of the outstanding balance or a minimum of RM50-00, whichever is higher (not subject to GST).
6. Fee-Free Period for Retail Transaction A 20-day fee free period on all retail transactions, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Fee-Free Period is not applicable, management fee as per applicable tiered rate per month will be levied on all retail transactions from the date the retail transactions are posted (not subject to GST).

Note: Retail Transactions exclude Cash Advance, Balance Transfer and any other credit plans.
7. Overseas Transactions Fee Transactions incurred will be converted to Ringgit Malaysia using USD as the base currency on the date the item is received and/or processed at the conversion rate as may be determined by Visa International/MasterCard Worldwide at its absolute discretion plus administration cost of 1.25%. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Card member shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred (not subject to GST).
8. Lost or Theft Card Replacement Fee

RM50-00 per card (not subject to GST)

9. Over limit Fee

RM53-00 per statement

(Note: Exclude Annual Fee / other fees imposed by Bank, GST, Late Charges, Stand-in processing and Auto-debit transactions)
10. Sales Draft Retrieval Fee RM15-90 per request for original copy and RM5-30 per request for photocopy
11. Additional Statement Request Fee   RM5-30 per request

2) Public Islamic Bank Visa Platinum/MasterCard Platinum Credit Card-i

No Types of Charges Amount
1. Annual fees:  
• Principal RM352-98
• Supplementary RM159-00
2. Management Fee (Ujrah)
Payment Behaviour   Management Fee (Ujrah)
a. With prompt minimum payment for 12 months within 12 consecutive months. 15% p.a. of the total outstanding balance from the 13th month.
b. With prompt minimum payment for 10 months and more within the last 12 consecutive months. 17% p.a. of the total outstanding balance from the 11th month.
c. Credit cardholder who do not meet the above criteria.   18% p.a. of the total outstanding balance.  

Note: The tiered management fee only applicable to the outstanding balances arising from retail transactions. Balances accrued from Cash Advance will be charged management fee at 18% p.a. Management Fee is calculated on the outstanding balances on a daily basis.
3. Cash Advance Fee
  • Public Islamic Bank/Public Bank Branches/ATMs: 5.30%. Min RM21-20
  • Affiliated Banks and Financial Institutions Worldwide: 5.30%. Min RM21-20
A one-time cash advance fee based on the above will be charged to account for the amount of cash advance or a minimum of RM21-20. In addition management fee will be computed on each advance from the date the cash is advanced until the date it is settled in full.
4. Late Payment Charges Failure to make the Minimum Payment by the Due Date, a further charge of a minimum of RM10-00 or 1% of total outstanding balance as at statement date, whichever is higher, capped to a maximum of RM100-00, shall be debited to the Credit Card Account (not subject to GST).
5. Minimum Monthly Payment 5% of the outstanding balance or a minimum of RM50-00, whichever is higher (not subject to GST).
6. Fee-Free Period for Retail Transaction A 20-day fee free period on all retail transactions, provided all outstanding balances of the previous month, as per the monthly statement, are fully settled within the due date. Where the Fee-Free Period is not applicable, management fee as per applicable tiered rate per month will be levied on all retail transactions from the date the retail transactions are posted (not subject to GST).

Note: Retail Transactions exclude Cash Advance, Balance Transfer and any other credit plans.
7. Overseas Transactions Fee Transactions incurred will be converted to Ringgit Malaysia using USD as the base currency on the date the item is received and/or processed at the conversion rate as may be determined by Visa International/MasterCard Worldwide at its absolute discretion plus administration cost of 1.25%. The exchange may differ from the rate in effect on the date of the transaction due to market fluctuations. Such rate imposed shall be final and conclusive and the Card member shall bear all exchange risks, losses, commission and other bank charges which may thereby be incurred (not subject to GST).
8. Lost or Theft Card Replacement Fee

RM50-00 per card (not subject to GST)

9. Over limit Fee

RM53-00 per statement

(Note: Exclude Annual Fee / other fees imposed by Bank, GST, Late Charges, Stand-in processing and Auto-debit transactions)
10. Sales Draft Retrieval Fee RM15-90 per request for original copy and RM5-30 per request for photocopy
11. Additional Statement Request Fee   RM5-30 per request
 
 
Fees & Charges: Others

1) REMITTANCES & STANDING INSTRUCTION

No Types of Charges Amount
1. Purchase of banker's cheque  
- For all types of applications including new public share issue applications (Account holders and Non-Account holders) RM5-30 per piece plus stamp duty
2. Purchase of foreign demand draft RM2-12 for amount of RM5,000-00 equivalent and below plus Cost of Advice to Agent
3. Replacement or refund of banker's cheque / demand draft reported lost
RM20-00 inclusive of stamp duty (not subject to GST)
4. Replacement or refund of stale banker's cheque / demand draft RM21-20
5. Cancellation of banker's cheque / demand draft (exclude new public share issue applications)
RM2-12 per piece
6. Outward telegraphic transfer in Malaysian Ringgit RM10-60
7. Outward telegraphic transfer in foreign currencies RM2-12 for amount of RM5,000-00 equivalent and below plus Cost of Wire
8. Transfer of funds through RENTAS  
a) Over-the-counter RM5-30 per transaction
b) Via Internet Banking RM2-12 per transaction
9. Inward RENTAS Payment Free of charge
10. Interbank Giro Payment System  
a) Over-the-counter

RM2-12 per transaction
Note: Free of charge for senior citizens (above the age of 60 years) and disabled persons.

b) Via Internet and Mobile Banking RM0-11 per transaction
c) Via ATM RM0-32 per transaction
11. Inward Telegraphic Transfer with payment instruction  
- Credit online into customer's account RM5-30
- Pay on identification RM5-30 plus stamp duty
- Credit an account maintained at another bank RM10-60
12. Standing instructions  
- Within branch RM2-12 per item
- Interbranch transfer RM5-30 per item
- Payment to third parties RM5-30 per item plus postage
- Payment to third parties – Enhanced Standing Instruction (ESI) RM3-18 for each successful ESI
- Unsuccessful attempt on the instruction date due to insufficient funds RM5-30

Note: For Outward Foreign Remittances, Agent charges could be applicable depending on the currency and destination. All charges outside Malaysia are to be borne by the beneficiary unless instructions to the contrary are given.

2) COINS AND NOTES

No Types of Charges Amount
1. Coins and Charges  
- RM500-00 to RM3,000-00 RM5-30
- Exceeding RM3,000-00 RM10-60
Imposed on Business Accounts only  
2. Changing of notes to coins  
- Loose coins
- First RM100-00 no charge
- RM1-06 for every RM50-00
- Per bag (same denomination) - RM8-48
  • RM50-00 of 1 sen
  • RM400-00 of 5 sen
  • RM400-00 of 10 sen
  • RM400-00 of 20 sen
  • RM400-00 of 50 sen
Imposed on Business Accounts only

3) ATM / Bankcards / PB Day2Day Card

No Types of Charges Amount
1. Application for PB Bankcard* / PB Day2Day Card RM8-48
2. Annual Fee for PB BankCard* / PB Day2Day Card RM8-48
3. Replacement for PB BankCard / PB Day2Day Card RM12-00 per request (not subject to GST)
4. Electronic Share Application via ATM and PBe Service RM2-12 per transaction
5. eRights Application  
  - Service charge RM4-24 per transaction
  - Stamp Duty RM10-00 per transaction (not subject to GST)
6.
Cash Withdrawal via ATM at:-
- MEPS Member Banks
   
- Islamic Foreign Banks (IFBs) (e.g. Al Rajhi Bank and Kuwait Finance House)
   
- Locally Incorporated Foreign Banks (LIFBs) [e.g. OCBC, Citibank, Standard Chartered Bank (SCB), United Overseas Bank (UOB) and HSBC]
 
RM1-06 per transaction
 
RM1-06 per transaction
 
 
RM4-24 per transaction
7.
Interbank Fund Transfer/ Interbank Credit Card and Financing Payment via ATM at:-
- MEPS Member Banks
   
- Locally Incorporated Foreign Banks (LIFBs) (e.g. Citibank, UOB and HSBC)
 
 
RM0-53 per transaction
 
RM0-53 per transaction
8. Interbank Giro (IBG) Fund Transfer via ATM RM0-32 per transaction
Note: *Not applicable to BASIC Wadiah Savings Account-i and BASIC Wadiah Current Account-i
 
 
Commission and Charges for Trade Finance-i
No Types of Charges Amount
1. Letter of Credit-i  
Commission  
- Issuance of Letter of Credit-i (LC-i) 0.106% per month Min. RM79-50
- Amendment of LC-i (Extension of LC-i validity / increase of amount) 0.106% per month Min. RM53-00
Handling Fee  
- Other amendments of LC-i RM53-00 flat
- LC-i Discrepancy Fee:  
Foreign RM100-00 equivalent (not subject to GST)
Local RM50-00 (not subject to GST)
2. Shipping Guarantee-i  
Commission  
- Under Bank's LC-i 0.106% flat Min. RM106-00
- Under Collection Bills 0.106% flat Min. RM106-00
- SG-i returned after 3 months from issuance date 0.53% (from 4th month onwards up to the date of return of SG-i)
3. Bankers Guarantee-i  
Commission  
- Tender Guarantee 1.272% - 1.59% p.a (Min. RM53-00)
- Performance Guarantee 1.59% - 2.12% p.a (Min. RM53-00)
- Financial Guarantee  
Government 1.855% - 2.12% p.a (Min. RM53-00)
Non-Government 2.12% - 2.385% p.a (Min. RM53-00)
Handling Fee  
- Guarantee for employment of domestic servants & foreign servants RM53-00 flat per guarantee of RM1,000-00
- Handling fee for non-standard format 0.053% flat (Min. RM21-20, Max. RM530-00)
 
 
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public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
public islamic bank, islamic bank, pbebank
 
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