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 ATM 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?

  • Full access (customer is able to do monetary transactions)
  1. Acquire IBPIN from BMMB ATM machine
    • Insert your BMMB ATM card.
    • At the main menu, choose > Others.
    • Choose > Internet Banking Menu.
    • Choose > IB PIN Request.
    • Key-in 6-digit IB PIN (must not be the same as your ATM PIN).
    • Re-enter IB PIN to confirm.
    • Key-in your mobile number for TAC.
    • A message stating "Your IB Pin is accepted" will appear upon successful completion of this process
  2. Next, 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. Choose > "IB PIN" type.
      3. Enter the 6 digit "IBPIN".
    • Step 2
      1. Choose your Identity Type
      2. Enter your identity Number. Click > Next
  • Enter the Username > Password > Confirm New Password (6-12 characters consisting of at least three (3) of these elements-uppercase, lowercase, numbers and symbol).
  • Choose one (1) Security Image. Click > Next
  • Successfully registered, logon with your new Username and Password
  • Limited access (View only, no monetary transaction is allowed)
  1. Login to https://www.i-muamalat.com.my website, click > First Time Registration.
  2. Accept the Internet Banking Terms and Conditions, click > Next.
  3. Step 1
    • Fill your 16-digit Bank Card Number.
    • Choose > "ATM Pin" Type
    • Enter 6-digit "ATM PIN"
  4. Step 2
    • Choose your Identity Type
    • Enter your Identity Number
  5. Enter Username > Password > Confirm New Password (6-12 characters consisting of at least three (3) of these elements-uppercase, lowercase, numbers and symbol)
  6. Choose one (1) Security Image. Click > Next
  7. Successfully registered. Logon using your new Password and Username.
If you encounter any difficulties in registering please contact the our Customer Care Line at 1300-88-8787 for further assistance.
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

How do I upgrade my i-muamalat access from limited access to full access?

  • Please go to BMMB ATM machine to obtain IBPIN
  1. Login to i-muamalat
  2. Use the registered username and password
  3. Go to "Other Services" > select "My Data" > select "Online Package Upgrade"
  4. Key in your Bank Card and IBPIN number
  5. Submit request to upgrade to full access

Does the IBPIN obtained at the BMMB ATM machine have an expiry?
Yes, IBPIN is valid for 7 days after first obtained at the BMMB ATM machine and it can only be used once.
If I have registered to i-muamalat Internet Banking half way and then I quit registering. What will happen to my IBPIN?
If customer already registered half way and quit before they finish the registering process, the IBPIN will no longer be valid. Customer has to go to the nearest ATM machine to obtain a new IBPIN.
Which browser is supported by i-muamalat Internet Banking?

  • Internet Explorer 8 and above (please turn off the compatibility mode).
  • Latest version of Google Chrome.
  • Latest version of Firefox

What is the operation hour for i-muamalat Internet Banking?
i-muamalat is operated from 6am to 12midnight 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.
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 to immediately re-activate their i-muamalat Internet Banking account.
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)
  • *Standing Instructions
  • Own account, 3rd Party accounts
  • Interbank GIRO (IBG)
  • Instant Bank Fund Transfer (IBFT)
  • Financing Accounts
  • Bill Payments, Other Payments, JomPAY
  • Financing Repayment
  • Own Financing Repayment
  • 3rd Party Financing Repayment
  • Payments / Prepaid Reload
  • Bill Payment
  • Other Payment (Tabung Haji, Wakaf, Zakat)
  • Prepaid Reload
  • JomPAY
  • eFPX
  • Cheque Book Management
  • Cheque Status Inquiry (applicable for individual account only)
  • *Foreign Telegraphic Transfer (FTT)
 
  • *Online Applications
  • CASA Applications
  • Financing Applications
*Not Available in Mobile Banking Application

What should I expect when I apply CASA and/or Financing applications online?
Customers should be contacted by the Bank once they have submitted the applications online thru i-muamalat Internet Banking. Bank's personnel will confirm with the customer on the arrangement of the online applications.
How secure is i-muamalat?
i-muamalat has received a security certification from VeriSign, 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 128-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.

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 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 TAC number?
Customer may change the TAC number at any nearest BMMB ATM machine.
What should I do if I do not receive a TAC number?
Please call our Customer Care Line at 1300-88-8787.
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 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 user ID?
No. You will need to re-register if you want to change the User ID.
How do I change my Internet Banking password?
You may change your Internet Banking password once you have logged in by clicking on the "Change Password" link at "Other Services" page.
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 not inclusive GST. 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 6:00 AM - 11:59 PM 6:00 AM - 11:59 PM
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 inclusive GST) 0.11 0.11
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
6:00 AM - 11:59 PM 6:00 AM - 11:59 PM
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 inclusive GST) 0.53 cent 0.53 cent
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 6:00 AM - 11:59 PM 6:00 AM - 11:59 PM
5) Crediting Time
  1. Monday - Friday
  2. Non-Business days

Immediate
Immediate

Immediate
Immediate

What is 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) RM3.18 service charge and RM31.80 cable charge per transaction inclusive GST
2) Tabung Haji RM0.64 service charge per transaction inclusive GST
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. RM0.21 per transaction inclusive GST
  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 a 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
  • Financing Payment - Own and 3rd party
  • Prepaid Reload
  • Cheque Status Inquiry (for individual account only)
  • Transaction History
  • Waktu Solat
  • Daily Quote
  • Locate ATM / Branch

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.
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
  • Android OS 4.4 and Above
  • Android OS 5.x
  • Android OS 6.x

How do I make payment through JomPAY via i-muamalat Mobile App?
  • Login to i-Muamalat mobile App.
  • At Home screen, tap "Payments" from the bottom menu.
  • Select "JomPAY".
  • Key in the Biller Code, Ref-1 and/or Ref-2 as appeared in your bill.
  • Enter the Amount and click on the Submit button
  • JomPAY confirmation screen will be displayed. Enter TAC number and click Confirm


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