FAQ

Frequently Asked Questions

What is i-muamalat and what is its URL address?

  • i-muamalat is Bank Muamalat's Internet banking service open to all its Debit card holders who hold Individual Savings and Current accounts
  • i-muamalat can be accessed by keying in the URL address https://www.i-muamalat.com.my
How to register to i-muamalat Internet Banking?

  • Login to https://www.i-muamalat.com.my website to start the online registration process.
  • Click > First Time Registration
  • Accept the Internet Banking Terms and Conditions, click > Next
    • Step 1
      1. Fill your 16-digits Bank Card Number.
      2. Enter the 6 digit "ATM Pin".
    • Step 2
      1. Choose your Identity Type
      2. Enter your identity Number.
    • Step 3
      1. Enter your Mobile TAC Number. Click > Next
  • Enter the Username > Password > Confirm New Password
  • Choose one (1) Security Image. Click > Next
  • Successfully registered. To activate the account, please call Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas)
What are the username and password elements for i-muamalat Internet Banking or Mobile Banking Application?

  • Username : 6-12 alphanumeric
  • Password : 8-12 characters consisting of at least three(3) of these elements-uppercase, lowercase, numbers and symbol
  • It is advisable not to use combination of name and birthdate as username to mitigate fraud risk.
Which browser is supported by i-muamalat Internet Banking?

  • Latest version of Internet Explorer
  • Latest version of Microsoft Edge.
  • Latest version of Google Chrome.
  • Latest version of Firefox
What is the operation hour for i-muamalat Internet Banking?
i-muamalat is operated 24 hours daily.
What is the daily monetary transaction limit?
The shared online daily default limit is RM3,000.00 and maximum at RM 30,000.00. Customer is able to set on their own limit if they subscribe to the full version of i-muamalat. This limit is separate from the ATM transactions limit.
How do I change my daily monetary transaction limit?
  1. Login to i-muamalat and click "Other Services".
  2. Select My Data > Change Transaction Limits.
  3. Enter your new Online Transaction Limit > Submit.
  4. Fill-in the TAC number and click on Confirm button.
What will happen to my i-muamalat Internet Banking account if I do not login for a certain period of time?
If customer does not login to their i-muamalat Internet Banking account for a period of 90 days, the i-muamalat Internet Banking account will be dormant. Customer has to call our Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas) to immediately re-activate their i-muamalat Internet Banking account.
What if I fail to access i-muamalat?
If your attempt to sign-on fails even after 3 tries, your User ID will be blocked. Please contact our Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas) to unblock your ID upon verification.
What are the services available at i-muamalat Internet Banking?
  • Accounts Summary
 
  • Transaction History
 
  • Fund Transfer
  • Own account, 3rd Party accounts
  • Interbank GIRO (IBG)
  • Instant Bank Fund Transfer (IBFT)
  • Instant Transfer (RPP)
  • DuitNow
  • *Transfers To Favourite
  • *Standing Instructions
  • Own account, 3rd Party accounts
  • Interbank GIRO (IBG)
  • Instant Bank Fund Transfer (IBFT)
  • Instant Transfer (RPP)
  • DuitNow
  • Financing Accounts
  • Bill Payments, Other Payments, JomPAY
  • *Payments to Favourite
  • Financing Repayment
  • Own Financing Repayment
  • 3rd Party Financing Repayment
  • Payments / Prepaid Reload
  • Bill Payment
  • Other Payment (Tabung Haji, Wakaf, Zakat)
  • *EPF Payment
  • Prepaid Reload
  • JomPAY
  • eFPX
  • *Payments to Favourite
  • Cheque Book Management
  • Cheque Status Inquiry (applicable for individual account only)
  • *Foreign Telegraphic Transfer (FTT)
 
  • *Online Applications
  • CASA Applications
  • Gold-i Applications
  • Financing Applications
  • Account Opening Application
  • *Gold-i Transaction
  • Buying
  • Selling
  • *FTA-i Transactions
  • FTA-i Placement
  • FTA-i Withdrawal/Upliftment
  • FTA-i Maintenance
*Not Available in Mobile Banking Application

How secure is i-muamalat?
i-muamalat has received a security certification from GlobalSign, a prominent security certification authority. This is to confirm that i-muamalat web site is authentic and conforming to the best industry standard. Transactions performed via i-muamalat is also encrypted using 2048-bit SSL. Furthermore for every monetary transaction, a second level authentication code which is sent directly to your registered mobile phone act as another extra layer of security.
What can I do to safeguard myself against fraudulent transactions?

  • Please ensure that your i-muamalat username and password are not revealed or shared to anyone. Memorize them and do not write it down. Ensure that you are accessing i-muamalat by directly keying in its URL instead of selecting it from another web links from another web site or in the email.
  • Be wary of attempts inquiring about your ID or password even though it claims coming from Bank Muamalat. The Bank will never ask you to disclose your ID and password.
  • Please do not share the TAC number received with any third party.
  • Always log out properly.
  • Do not perform transactions at public terminals such as cyber cafe.
  • Clear your cache upon completion.
  • Never click on link(s) sent from emails or SMS.
Can I use the i-muamalat Internet Banking or Mobile Banking App service abroad?
Yes, i-muamalat is accessible wherever you can get internet access. However for transactions that requires TAC, your mobile phone needs to have a mobile roaming service activated in order to receive messages from Malaysia.
What should I do if forgot the password?

  • You may reset password on your own by clicking "Reset Password" link at https://www.i-muamalat.com.my website, and fill in the necessary fields.
  • Please call our Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas) for further assistance.

How do I change my personal information?
Personal information maintenance may be done at i-muamalat Internet Banking for personal reference only. If you wish to change or update your personal information (example your mailing address, contact number, etc), kindly visit the nearest BMMB branch.
How do I change my Mobile Number for TAC?

  • Customer may change the TAC number at Other Services > My Data > Update Mobile Number for TAC menu after login to i-muamalat. After successfully update please call Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas) for activation

What should I do if I do not receive a TAC number?
Please call our Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas).
Can I register an overseas mobile number for TAC?

  • Yes.
  • If you are in Malaysia, please call Customer Care Line at 1300-88-8787.
  • If you are not in Malaysia, call our Customer Care Line at +60326005500.
What if I received error "You already logged in"?
The error occured due to the improper logout or due to network issue. Please wait 5 minutes before you can try to login again or you may call our Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas) to reset the session.
Do I have to pay for i-muamalat Internet Banking service?
i-muamalat is a service provided by the Bank to its customer on a free of charge basis. However there are certain bill payments nominal service charges, IBG, IBFT, FTT and other types of services will be imposed by Bank Muamalat to the customer.
Can I change internet banking Username?
No. You will need to re-register if you want to change the Username.
How do I change my Internet Banking password?
You may change your Internet Banking password once you have logged in by clicking on the Other Services Menu > My Data > Change Password.
Is Foreign Telegraphic Transfer (FTT) open to i-muamalat Internet Banking users? And at what rate does the Bank charges for foreign exchange?
Yes, FTT is open to all individual i-muamalat Internet Banking users with a service charge of RM 3 and cable charge of RM 30. Foreign exchange rate is vary daily and will charge customer on the transaction date rates.
Can I transfer funds to any type of account in other banks?
You can do transfers to your own or 3rd party (Savings and Current accounts only) at any participating banks, including credit card and financing repayment using interbank GIRO transfer and/or Instant Bank Fund Transfer (IBFT).
What are my other alternatives if I have more than RM30,000 to transfer?
If you want to transfer more than this, you will have to do another transaction the next day or you may also do a transfer via ATM, or you may proceed to any nearest BMMB branch
What is Intrabank Funds Transfer?
Intrabank Funds Transfer is a fund transfer within BMMB Savings or Current Accounts.
Items Channels
Internet Banking Mobile Banking
1) Fees and charges (RM per transaction) NIL NIL
2) Daily transaction limit (RM per day) 30,000.00 combined limit with intrabank funds transfer
3) Payment reference
  1. Availability of payers' names and payment references in beneficiaries' bank statement
  2. Availability of beneficiaries' names and payment reference in payers' bank statement
No

No
No

No
4) Operating hours 24 Hours 24 Hours
5) Crediting Time
  1. Monday - Friday
  2. Non-Business days

Immediate
Immediate

Immediate
Immediate

What is interbank GIRO (IBG)?
Interbank GIRO is a delayed fund transfer from BMMB customer's Saving or Current accounts to others bank's savings, current, financing or credit card accounts.
Items Channels
Internet Banking Mobile Banking
1) Fees and charges (RM per transaction) 0.10 0.10
2) Daily transaction limit (RM per day) 30,000.00 combined limit with intrabank funds transfer
3) Payment reference
  1. Availability of payers' names and payment references in beneficiaries' bank statement
  2. Availability of beneficiaries' names and payment reference in payers' bank statement
Yes

Yes
Yes

Yes
4) Future-dated Payments Yes Not Offering
5) Operating Hours
  1. Monday - Friday
  2. Non-Business days
Payment Initiated by Customers Funds Received by Beneficiaries Refund for Unsuccessful Transactions
Business Days (Mon - Fri) Before 5:00 am Same business day By 11:00 am By 5:00 pm
5:00 am to 8:00 am By 2:00 pm By 8:20 pm
8:01 am to 11:00 am By 5:00 pm By 11:00 pm
11:01 am to 2:00 pm By 8:20 pm By 11.00 am next business day
2:01 pm to 5:00 pm By 11:00 pm
After 5.00pm Next business day By 11:00 am By 5:00 pm
Non-Business Days (Saturday, Sunday and Federal Territory Public Holidays) Next business day By 11:00 am By 5:00 pm

What is Instant bank Funds Transfer (IBFT)?
Instant bank Funds Transfer (IBFT) is immediate fund transfer from BMMB Savings or Currents account to other bank's saving, current, financing, or credit card accounts.
ItemsChannels
Internet Banking Mobile Banking
1) Fees and charges (RM per transaction) 0.50 (currently waived) 0.50 (currently waived)
2) Daily transaction limit (RM per day) 30,000.00 combined limit with IBG and intrabank funds transfer
3) Payment reference
  1. Availability of payers' names and payment references in beneficiaries' bank statement
  2. Availability of beneficiaries' names and payment reference in payers' bank statement
Yes

Yes
Yes

Yes
4) Operating hours 24 Hours 24 Hours
5) Crediting Time
  1. Monday - Friday
  2. Non-Business days

Immediate
Immediate

Immediate
Immediate

What are the other charges for Online Banking?
Other Related Fees/Charges for Retail Online Banking (Internet and Mobile Banking)
Items Retail Online Banking
1) Foreign Telegraphic Transfer (FTT) RM3.00 service charge and RM30.00 cable charge per transaction
2) Tabung Haji RM0.60 service charge per transaction
3) Other related charges
  1. Maintenance / Subscription fee
  2. Security tokens
  3. Annual digital certificates
  4. Salary payment / payroll
  5. Notification / SMS
  6. Training

  1. Not Applicable
  2. Not Applicable
  3. Not Applicable
  4. Not Applicable
  5. RM0.20 per transaction
  6. Not Applicable
4) Incentives and packages Not Applicable

I need to know more about JomPAY.
JomPAY details can be found at this website http://www.jompay.com.my/personal-faq.html.
How do I make payment through JomPAY at i-muamalat?
Please visit i-muamalat demo by clicking this link JomPAY Demo.
What is i-muamalat Mobile App?
The i-muamalat Mobile Banking App is a smartphone application that allows you to access and manage your Muamalat accounts quickly and securely from your mobile device.
Can I use the Mobile Banking App if I am not an i-muamalat Internet banking user?
No. You must be an i-Muamalat Internet Banking user to use Mobile Banking Application. If you are not an i-muamalat Internet Banking customer, you must sign up for i-muamalat Internet Banking.
How can I get the i-muamalat Mobile App?
For Apple and Android Users, the app can be downloaded from the Apple AppStore, or Google Play store.
What are the features offered in i-muamalat Mobile App?

  • Login and Authentication
  • Account Management
  • Bill Payment and other payments (for favourite payments only)
  • JomPAY
  • Fund Transfer - Own Account, 3rd party, IBG and IBFT, Instant Transfer (RPP) and DuitNow
  • Financing Payment - Own and 3rd party
  • Prepaid Reload
  • Cheque Status Inquiry (for individual account only)
  • Transaction History
  • Waktu Solat
  • Daily Quote
  • QR Pay
  • Financial Calculator
  • Locate ATM / Branch
  • I-MSecure
What happens if my mobile device is lost or stolen?
If your mobile device is lost or stolen and/or you feel your login credentials may have been compromised,please contact our Customer Care Line immediately at 1300-88-8787 (local) or +60326005500 (overseas).
What security measures can I take to protect my information on i-muamalat Mobile app?
  • Keep your Username and Password secret and do not share them with anyone.
  • Close your Mobile Banking session when finished.
  • Ensure your mobile device is password protected.
What is the minimum mobile device requirement in order to use the i-muamalat Mobile App?
  • iOS 7.x
  • iOS 8.x
  • iOS 9.x
  • iOS 10.x
  • iOS 11.x
  • iOS 12.x
  • Android OS 4.5 (KitKat) and Above
  • Android OS 5.x (Lollipop)
  • Android OS 6.x (Marshmallow)
  • Android OS 7.x (Nougat)
  • Android OS 8.x (Oreo)
  • Android OS 9.x (Pie)
How do I make payment through JomPAY via i-muamalat Mobile App?
    1. Login to i-Muamalat mobile App.
    2. At Home screen, tap "Payments" from the bottom menu.
    3. Select "JomPAY".
    4. Key in the Biller Code, Ref-1 and/or Ref-2 as appeared in your bill.
    5. Enter the Amount and click on the Submit button
    6. JomPAY confirmation screen will be displayed. Enter TAC number and click Confirm
What if I am using other operating systems such as Blackberry or Windows phone?
i-Muamalat Mobile Application is only supported by "non-jailbreak" & "non-rooted" iOS 7 or later; and Android 4.5 or later operating systems.
What is i-Muamalat Mobile Application monetary transaction limit?
Maximum monetary transaction limit thru i-Muamalat Mobile Application is RM9,999.99.
After I installed i-Muamalat Mobile Application, it could not be opened. What should I do?
For security purposes, system does not allow any 3rd party keyboard. Please go to your phone setting and change to standard keyboard.
At i-Muamalat Mobile Application, I could not do screenshot anymore. What should I do?
For security purposes, system will block screenshot. User can now share their payment receipt through their existing application (e.g: whatsapp, gmail) installed and available in user's mobile device.The 'Share' mechanism is depending on the built-in sharing feature in each Mobile Device OS. Alternatively, for payment proof, you may also login to i-Muamalat website and click on My Accounts > i-muamalat Transactions > Current/Saving > Successful Transactions on the sub menu tab.
Why I could not do multiple transactions anymore?
With the implementation of 2 Factor Authentication (2FA) feature, only single transaction is allowed.
What is i-MSecure?
i-MSecure is a safer and convenient way to authorise transactions with value of RM10,000 and above through software token embedded in i-Muamalat Mobile Application. This 2 Factor Authentication (2FA) feature is available only on the new i-Muamalat Mobile Application, which can be downloaded from Google Play Store and Apple Store. Customers are required to register for i-MSecure before enjoying this new authorise transaction method. i-MSecure is a feature that allows user to approve or reject i-Muamalat transactions directly from their smartphones.
Am I required to use i-MSecure for all transactions?
Authorisation using i-MSecure is required for everyone when making transactions with value of RM10,000 and above. Any transaction below the amount will be using the existing authentication method which is the Transaction Authorisation Code (TAC) that is sent through SMS.
How do I register for i-MSecure?
i-MSecure is available only on the new i-Muamalat Mobile Application, which can be downloaded from Google Play Store and Apple Store. To register, please login to i-Muamalat website and follow these steps:
  1. Click on Other Services > My Data > Token Registration on the sub menu tab. System will display Token Registration page.
  2. Click on 'Register' button. System will direct to Token Registration Confirmation page and a TAC number will be send to your respective registered mobile TAC number
  3. Input TAC, and click on 'Confirm' button. System will display Token Registration Acknowledgement page.
  4. Click 'OK'. System will direct to Token Registration page with QR code.
  5. To add device, please launch latest i-Muamalat Mobile Application in your device and tap on i-MSecure button.
  6. Camera will be activated, point the device's camera at the QR code displayed in i-Muamalat Web > Token Registration page and scan. If your device's camera could not detect the QR code & you need to instantly refresh the QR code, click 'Token Registration' on the sub menu tab.
  7. Once successfully scan, system shall display Add New Device - Confirmation page.
  8. Enter your username and password and tap 'Next'. System will generate a TAC number and send to your respective registered mobile TAC number.
  9. Input TAC, and click on 'Confirm' button. System will direct to Add New Device - Acknowledgement page.
  10. You have successfully activated Software Token in your mobile device.
Can I register for i-MSecure on two different devices?
No, i-MSecure is tied to 1 device only per username.
How do I authorise my transactions with i-MSecure?
You will be prompted with a push notification on your registered mobile device. You need to "Approve" or "Reject" the transaction within 60 seconds.
If you are unable to receive push notifications from i-Muamalat Mobile Application, please follow the steps below:
  • For iPhones:
    1. Go to your iPhone 'Settings'
    2. Search for 'i-Muamalat Mobile Application.'
    3. Select 'Notification'
    4. Choose to 'Allow Notification'
  • For Android phones:
    1. Go to your Android phone 'Settings'
    2. Select 'Apps'
    3. Search for 'i-Muamalat Mobile Application.'
    4. Select 'Notifications'
    5. Choose to 'Enable' or switch 'ON' to 'Allow Notification'
Can I use i-MSecure without an internet connection?
You need an Internet connection for i-MSecure.
I did not receive the i-MSecure push notification to authorise my transaction. What should I do?
Please check your Internet connection. You will only receive the push notification if your Internet connection is available. If your Internet connection is working and you are not able to receive push notification do contact our Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas) to lodge a report.
If you have received the i-MSecure push notification but after opening it you faced a blank screen, please follow the steps below:
    1. Go to your smartphone 'Settings'
    2. Search for 'i-Muamalat Mobile Application.'
    3. Select 'Storage'
    4. Choose to 'Clear Data'
    5. Please login to i-Muamalat website > Token Registration page, delete existing device and proceed with add device activity.
What happens if I changed or lost my mobile phone?
  • You can delete existing device and add new device for i-MSecure at any time. Please login to i-Muamalat website and follow these steps:
    1. Click on Other Services > My Data > Token Registration on the sub menu tab. System will display Token Registration page.
    2. Click on 'Delete' button in Token Registration page. System will display Delete Device Confirmation page and a TAC number will be send to your respective registered mobile TAC number.
    3. Input TAC, and click on 'Confirm' button. System will display Delete Device Acknowledgement page.
    4. Click 'OK'. System will direct to Token Registration page with QR code.
    5. Proceed with add new device activity.
I have deleted existing device at i-Muamalat website and unable to add the same device. What should I do?
  • For iPhones:
    1. Please uninstall existing i-Muamalat Mobile Application and reinstall.
  • For Android phones:
    1. Go to your smartphone 'Settings'
    2. Search for 'i-Muamalat Mobile Application.'
    3. Select 'Storage'
    4. Choose to 'Clear Data'
    5. Please login to i-Muamalat website and proceed with add device activity at Token Registration page.
What happen if I don't approve the transaction with the i-MSecure push notification that I have received?
Without your approval, your transaction will not be processed and the amount will not be deducted from your account.
Can I use i-MSecure for transactions that I have saved as 'Favourites'?
No, i-MSecure is not required for transactions that you have saved as 'Favourites'.
I did not initiate a transaction, but I've just received a push notification to authorise a transaction using i-MSecure. What should I do?
If you have encountered any suspicious transaction from your account, please contact our Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas) to lodge a report.
What if my i-MSecure is blocked?
If your attempt to approve fails even after 3 tries, your i-MSecure will be blocked. Please contact our Customer Care Line at 1300-88-8787 (local) or +60326005500 (overseas) to unblock your i-MSecure verification.
Will i-MSecure work when I am in overseas?
Yes, you can use i-MSecure when you are overseas. Please ensure the date and time on your device are set to 'automatic'.
What is DuitNow?
DuitNow is a new real-time online fund transfer service that allows you to transfer funds to your recipient's DuitNow ID instead of their account number. You can register and transfer funds using DuitNow via i-Muamalat Website and Mobile App. This is an industry wide initiative among all banks to simplify funds transfers while maintaining high level of security.
What is DuitNow ID?
DuitNow ID is an identifier which will be used to register your account numbers and it can consist of any of the below. You can register one DuitNow ID to one account e.g. your mobile number to your Savings Account and your NRIC to your Current Account.
  1. Mobile Number (local only)
  2. NRIC (MyKad/Old I/C)
  3. Army or Police Number
  4. Passport Number
  5. Business Registration Number (for Corporate and Sole Proprietor account holders)

How to register DuitNow ID?
You can register DuitNow ID via i-Muamalat Web or Mobile App.
  • For i-Muamalat Web, follow below steps:
    1. Login i-Muamalat > Click on Other Services > My Data > DuitNow ID Registration on the sub menu tab. System will display DuitNow ID applicable to you.
    2. Click on the DuitNow ID you preferred
    3. Select the Receiving Account Number from the dropdown list
    4. Click Next
    5. Insert TAC number which automatically sent to your registered mobile number for TAC
    6. Click Confirm
  • For Mobile App, follow below steps:
    1. Login > More > DuitNow ID Registration. System will display DuitNow ID applicable to you.
    2. Click on the DuitNow ID you preferred
    3. Select the Receiving Account Number from the dropdown list
    4. Click AGREE & CONTINUE
    5. Insert TAC number which automatically sent to your registered mobile number for TAC
    6. Click Confirm

Can I register one DuitNow ID with two different banks?
No, each DuitNow ID is unique, hence can only be registered to one account, regardless of whether the accounts are from the same bank or different banks.
Can I register multiple DuitNow IDs to one bank account?
Yes, you can register multiple DuitNow IDs to one bank account.
What types of account can be registered for DuitNow?
Currently, Savings Accounts and Current Accounts can be registered for DuitNow.
Can I change the account registered for DuitNow?
Yes, you can. Follow below steps:
  • For i-Muamalat Web, follow below steps:
    1. Login i-Muamalat > Click on Other Services > My Data > DuitNow ID Maintenance on the sub menu tab. System will display DuitNow ID Maintenance page.
    2. Click on bank name hyperlink you preferred
    3. Select New Receiving Account Number from the dropdown list
    4. Click Confirm
    5. Insert TAC number which automatically sent to your registered mobile number for TAC
    6. Click Confirm
  • For Mobile App, follow below steps:
    1. Login > More > DuitNow ID Maintenance.
    2. Click on the DuitNow ID you preferred
    3. Select the new Receiving Account Number from the dropdown list
    4. Click Submit button
    5. Insert TAC number which automatically sent to your registered mobile number for TAC
    6. Click Confirm

How can I switch my DuitNow registrations from other bank to Bank Muamalat?
Follow below steps:
  • For i-Muamalat Web, follow below steps:
    1. Login i-Muamalat > Click on Other Services > My Data > DuitNow ID Maintenance on the sub menu tab. System will display DuitNow ID Maintenance page.
    2. Click on bank name hyperlink you preferred
    3. Select New Receiving Account Number from the dropdown list
    4. Click Next button
    5. Insert TAC number which automatically sent to your registered mobile number for TAC
    6. Click Confirm
  • For Mobile App, follow below steps:
    1. Login > More > DuitNow ID Maintenance.
    2. Click on the DuitNow ID you preferred
    3. Select the new Receiving Account Number from the dropdown list
    4. Click Submit button
    5. Insert TAC number which automatically sent to your registered mobile number for TAC
    6. Click Confirm

How do I verify that I have DuitNow ID I keyed is correct when making a transfer?
Once you have keyed in the DuitNow ID, the registered account holder's name will be displayed. It is important that you check that the name belongs to the intended recipient before confirming the transfer.
What do I do if I want to delete my DuitNow ID?
You can delete your DuitNow ID via i-Muamalat Web or Mobile App.
  • For i-Muamalat Web, follow below steps:
    1. Login i-Muamalat > Click on Other Services > My Data > DuitNow ID Maintenance on the sub menu tab. System will display DuitNow ID Maintenance page.
    2. Click the checkbox for DuitNow ID which you want to delete
    3. Click Delete Button
    4. Insert TAC number which automatically sent to your registered mobile number for TAC
    5. Click Confirm
  • For Mobile App, follow below steps:
    1. Login > More
    2. DuitNow ID Maintenance
    3. Tap on the preferred DuitNow ID
    4. Click "Delete THIS DUITNOW ID" to delete the ID.
    5. Insert TAC number which automatically sent to your registered mobile number for TAC
    6. Click Confirm

How do I activate or deactivate my DuitNow ID?
You can activate / deactivate DuitNow ID via i-Muamalat Web or Mobile App.
  • For i-Muamalat Web, follow below steps:
    1. Login i-Muamalat > Click on Other Services > My Data > DuitNow ID Maintenance on the sub menu tab. System will display DuitNow ID Maintenance page.
    2. Click ON to activate or OFF to deactivate
    3. Click Yes on the confirmation
  • For Mobile App, follow below steps:
    1. Login > More
    2. DuitNow ID Maintenance
    3. Click ON to activate or OFF to deactivate
    4. Click Yes on the confirmation

Can a third party register my DuitNow ID to their account number for DuitNow?
No, Bank will check the DuitNow ID against the account holder's details before allowing the registration.
I have changed my mobile number but my previous mobile number was my DuitNow ID. What should I do?
You may delete your previous DuitNow ID (as per above steps) and register your current mobile number as your DuitNow ID (as per above steps).
What is DuitNow QR?
DuitNow QR is a cashless payment available in the i-Muamalat App that enables customers to make payments to merchants using a unique two-dimensional quick-response (QR) code.
Who can use DuitNow QR?
All new and existing BMMB customers can experience DuitNow QR using i-Muamalat App. The customer needs to ensure i-Muamalat App is updated to the latest version.
What are the functions available for DuitNow QR within the BMMB App?
There are 2 types of functions available:
a) Scan QR (Interoperable)
This is a merchant-presented QR Code whereby the i-Muamalat App user is required to scan merchants QR Code to perform the payment. The source of debiting account for this is via Current Account/Savings Account only.

b) Create QR (Only Available to the BMMB merchant)
This is a customer-presented QR Code whereby the i-Muamalat App user will generate the QR Code and present it to the BMMB QR merchant to scan the QR Code and process the transaction. The source of debiting account for this is via Current Account/Savings Account only.

What is daily transaction limit to use DuitNow QR?
Maximum daily purchase limit for DuitNow QR is RM1,000. The customers can set a lower limit at i-Muamalat web based at their convenience.
What is DuitNow QR Cumulative Limit?
  • For DuitNow QR transactions of RM250 and below, no TAC for authentication will be sent to the customers.
  • The default cumulative limit is RM250.
  • For DuitNow QR transactions above RM250, TAC for authentication will be sent to the customers.

  • How to change DuitNow QR payment limits?
    1. Login to i-Muamalat web account and select the menu on the top right corner of your screen;
    2. Select "Other Services" then select "My Data" and select "Change Transaction Limit"; and
    3. The customers may change preferred payment limit accordingly.
    Which debiting account used for DuitNow QR?
    BMMB customers are required to choose debiting account at first time tapping at DuitNow QR tab. The source of debiting account for this is via Current Account/Savings Account only.
    How to change DuitNow QR debiting account?
    1. Login to i-Muamalat web account and select the menu on the top right corner of your screen;
    2. Select "Other Services" then select "My Data" and select "Change Default Account"; and
    3. The customers may change preferred account accordingly.
    What are the security features in place for DuitNow QR?
  • The default limit is RM1,000. However, the customer can change daily transaction limit from RM0 to RM1,000.
  • TAC is required to proceed with QR payment of more than RM250 per transaction.

  • What are the types of QR codes available for scanning?
    There are two types of QR codes:
  • Dynamic QR Code: It has the merchant's account details and transaction amount has been embedded into it. The customers can just scan QR code without entering the purchase amount (Only can be used to BMMB QR merchant).
  • Static QR Code: It has the merchant's account details. The customers must enter the amount after scanning the QR code.

  • How to know DuitNow QR payment status?
    After the customers have made the payment, the status will be displayed on the screen and you will also receive a notification via Short Message Service (SMS). Alternatively, the customers may view the transactions in transaction history.
    Why is DuitNow QR payment being rejected?
    Payment may be declined due to these reasons:
  • Insufficient balance in your account;
  • Poor internet connectivity; or
  • Merchant's DuitNow QR service has been deactivated.

  • What to do if the customers have received a successful notification for the DuitNow QR payment, but the merchant claimed not receive it. What customers should do?
    Please show the successful notification to the merchant for payment confirmation. Merchant could also check his/her own transaction history to find out if the payment has been received.
    What type of EPF Payment can be made through i-muamalat?
    Voluntary Contribution such as Self Contribution, i-Saraan & i-Suri. For more information on these contribution types, please refer EPF official website.
    What is the requirement to make an EPF Payment?
    You must have a registered EPF member number.
    How do I make an EPF Payment?
    1. Click on Payments > EPF Payment on the sub menu tab.
    2. System will display EPF Payment page.
    3. Select Payment Type and input necessary field. Click Add button. System will display EPF Payment Transaction Listing.
    4. Click Submit button and a TAC number will be sent to your respective registered mobile TAC number.
    5. Input the TAC number & click Confirm button. System will display EPF Payment acknowledgement page.

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