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 Bank's Contact Centre at 1300-88-8787 for further assistance.
What are the username and password elements for i-muamalat Internet Banking?

  • 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 limit for daily monetary transaction?
The shared online daily limit is RM 10,000.00 where customer is able to set on their own if they subscribe to the full version of i-muamalat. This is 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 Contact Centre 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
 
  • Fund Transfer
  • Own account, 3rd Party accounts
  • Interbank GIRO (IBG) - charges applied
  • Instant Bank Fund Transfer (IBFT) - charges applied
  • Standing Instructions
  • Own Account Transfer
  • 3rd Party Accounts
  • Financing Accounts
  • Bill Payments
  • Financing Repayment
 
  • Bill Payment/ Other Payments/ Prepaid Reload
  • Favourite/ Open Billers
  • Wakaf
  • Cheque Book Management
  • Stop cheque
  • Foreign Telegraphic Transfer (FTT) - charges applied
 
  • Online Applications
  • CASA Applications
  • Financing Applications

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 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 "Forgot Your Password" link at https://www.i-muamalat.com.my website, and fill in the necessary fields.
  • Please call our Contact Centre 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.
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 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 participating banks, including credit card and financing repayment using GIRO interbank transfer and/or Instant Bank Fund Transfer (IBFT).
What are my other alternatives if I have more than RM10,000 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
Do I need to pay the service fee each time I make a fund transfer?

  • RM0.60 service fee per Tabung Haji Fund Transfer
  • RM5.00 service fee and RM30.00 cable charge per Foreign Telegraphic Transfer (FTT)

What is the charges fees for Intrabank Funds Transfer?
Intrabank Funds Transfer
Items Channels
Internet Banking Mobile Banking ATM Over-the-counter (OTC)
1) Fees and charges (RM per transaction) NIL Not Offering NIL NIL
2) Daily transaction limit (RM per day) 10,000.00 Not Offering 10,000.00 Unlimited
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
Not Offering
Not Offering
No
No
No
No
4) Operating Hours 6:00 AM - 11:59 PM Not Offering 6:00 AM - 11:59 PM Banking Hours
For all channels
5) Crediting Time
  1. Monday - Friday
  2. Non-Business days
Immediate
Immediate
Not Offering
Not Offering
NIL NIL
6) Refund Time Immediate Not Offering  

What is the charges fees for IBG?
Interbank GIRO
Items Channels
Internet Banking Mobile Banking ATM Over-the-counter (OTC)
1) Fees and charges (RM per transaction) 0.11 Not Offering Not Offering 2.12
2) Daily transaction limit (RM per day) 10,000.00 combined limit with intrabank funds transfer Not Offering Unlimited
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
Yes
Not Offering
Not Offering
Not Offering
Not Offering
Yes
No
4) Future-dated Payments Yes Not Offering Not Offering Yes
5) Operating Hours
  1. Monday - Friday
  2. Non-Business days
Immediate
Immediate
Not Offering
Not Offering
NIL Banking Hours
For all channels
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
6) Refund Time Next working day NIL  

What is the charges fees for IBFT?
Instant Interbank Funds Transfer (IBFT)
ItemsChannels
Internet Banking Mobile Banking ATM
1) Fees and charges (RM per transaction) 0.32 cent NIL 0.32 cent
2) Daily transaction limit (RM per day) 10,000.00 combined limit with IBG and intrabank funds transfer 10,000.00 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
Not Offering
Not Offering
Yes
Yes
4) Operating Hours 6:00 AM - 11:59 PM Not Offering 6:00 AM - 11:59 PM
For all channels  
5) Crediting Time
  1. Monday - Friday
  2. Non-Business days
Immediate
Immediate
Not Offering
Not Offering
 
6) Refund Time Immediate Not Offering  

What is the charges fees for RENTAS?
RENTAS
ItemsChannels
Internet Banking Mobile Banking ATM
1) Fees and charges (RM per transaction) Not Offering Not Offering 5.00
2) 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
Not Offering
Not Offering
Not Offering
Not Offering
Yes
Yes
3) Operating Hours Not Offering Not Offering 3.30 PM cut off
For all channels  
4) Crediting Time
  1. Monday - Friday
  2. Non-Business days
Not Offering
Not Offering
Not Offering
Not Offering
Same Day
5) Refund Time Immediate Not Offering  

What is the charges fees for FPX?
Financial Process Exchange (FPX) and Interbank Direct Debit
Items FPX Interbank Direct Debit
1) Fees and charges (RM per transaction) NIL NIL
2) Merchants NIL NIL

What is the other charges for Online Banking?
Other Related Fees/Charges for Online Banking (Internet and Mobile Banking)
Items FPX
1) Other related charges
  1. Maintenance / Subscription fee
  2. Security tokens
  3. Annual digital certificates
  4. Salary payment / payroll
  5. Notification / SMS
  6. Training
  1. NIL
  2. NIL
  3. NIL
  4. NIL
  5. RM0.21 per transaction
  6. NIL
2) Incentives and packages NIL

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?
View JomPAY Step at i-muamalat Demo Page.

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