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.
  • 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 using Debit Card?

  • 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-in your 16-digits Bank Debit 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 +60326005500. Upon verification, in the event that customer's TAC mobile number is not matched with Bank's record, customer will be advised to visit nearest Branch for mobile number update.
What are the username and password elements for i-muamalat Internet Banking or Mobile Banking Application?

  • Username : 6-12 alphanumeric
  • Password : 8-12 characters in length and have combination of these 4 elements: uppercase, lowercase alphabets, numbers and special characters.
  • 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?

  • For individual local and sole proprietorship users, the maximum limit is RM50,000.00.
  • For individual foreign users, the maximum limit is RM10,000.00.
  • 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 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 +60326005500 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 Transfer
  • DuitNow
  • *Transfers To Favourite
  • *Standing Instructions
  • Own account, 3rd Party accounts
  • Interbank GIRO (IBG)
  • Instant Transfer
  • DuitNow
  • Financing Accounts
  • Bill Payments, Other Payments, JomPAY
  • Financing Repayment
  • Own Financing Repayment
  • 3rd Party Financing Repayment
  • Redraw Financing
  • 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 Listings
  • *Gold-i Transaction
  • Buy Gold
  • Sell Gold
  • Transfer Gold
  • Convert Gold
  • Gold-i Automated Fund Transfer
  • Favourite Gold-i Account
  • *FTA-i Transactions
  • FTA-i Placement
  • FTA-i Withdrawal/Upliftment
  • FTA-i Maintenance
  • *Auto Zakat Maintenance
  • Auto Zakat Deduction
*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 +60326005500 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?

  • Kindly visit the nearest BMMB branch to change your mobile number for TAC.

What should I do if I do not receive a TAC number?
Please call our Customer Care Line at +60326005500.
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, 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, Instant Transfer and/or DuitNow.
What are my other alternatives if I have more than RM50,000 to transfer?
If you want to transfer more than RM50,000, you have to do another transaction on 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) 50,000.00 combined overall limit
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) Future-dated Payments Yes Not Offering
5) Operating hours 24 Hours 24 Hours
6) 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) 50,000.00 combined overall limit
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
Funds Received by Beneficiaries:
Same business day by 2:00 pm
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 Transfer?
Instant Transfer 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) currently waived currently waived
2) Daily transaction limit (RM per day) 50,000.00 combined overall limit
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 24 Hours 24 Hours
6) 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 RM0.50 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 https://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.
Why was my transaction unsuccessful?
Status of the transaction will depend on the account information provided, account status or other factors. Kindly check the error message and reject code prompted. We suggest that you attempt to resubmit only when the conditions on why the transaction failed has been identified (e.g. insufficient funds / inactive bank account) or wait for a couple of minutes to retry. You may contact the Customer Care Line at +60326005500 for further assistance.
What is i-muamalat Mobile App?
  • The i-muamalat Mobile Banking App is a smartphone application that allows you to access and manage your Bank Muamalat accounts quickly and securely from your mobile device.
  • A TAC verification is required for user's first time i-Muamalat Mobile App login at the respective 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, Android and Huawei users, the app can be downloaded from the Apple AppStore, Google Play Store or Huawei AppGallery respectively.
    How do I enable biometric login for i-Muamalat Mobile App ?

    • You may enable biometric login by tapping on 'Yes, I would like' button when pop-up screen with question 'Would you like to use biometric recognition for subsequent login?' appears. The pop-up will be displayed for first time login upon installing i-Muamalat Mobile App only.
    • Alternatively, upon login i-Muamalat Mobile App, tap on More > Biometric Login > Enable Biometric Login.
    • Both methods require TAC verification for security purposes.
    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, Instant Transfer and DuitNow
    • Financing Payment - Own, 3rd party and redraw financing
    • Prepaid Reload
    • Cheque Status Inquiry (for individual account only)
    • Transaction History
    • DuitNow ID Registration and Maintenance
    • 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 +60326005500.
    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?
    • Android: Android 5.1 and above
    • iOS: iOS 10 and above
    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 10 and above; and Android 5.1 and above 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, Huawei AppGallery 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, Huawei AppGallery 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:
      a) Allow notification:
      1. Go to your iPhone 'Settings'
      2. Search for 'i-Muamalat Mobile Application.'
      3. Select 'Notification'
      4. Choose to 'Allow Notification'

      b) Activate Apple ID:
      1. Go to your iPhone 'Settings'
      2. Ensure that Apple ID is activated
    • 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 +60326005500 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 to my existing i-MSecure registration 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 for i-MSecure 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.
      2. Please login to i-Muamalat website and proceed with add device activity at Token Registration menu.
    • 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 +60326005500 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 +60326005500 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.
    Items Channels
    Internet Banking Mobile Banking
    1) Fees and charges (RM per transaction) currently waived currently waived
    2) Daily transaction limit (RM per day) 50,000.00 combined overall limit
    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 24 Hours 24 Hours
    6) Crediting Time
    1. Monday - Friday
    2. Non-Business days

    Immediate
    Immediate

    Immediate
    Immediate
    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.
    Items Channels
    Internet Banking Mobile Banking
    1) Fees and charges (RM per transaction) N/A currently waived
    2) Daily transaction limit (RM per day) N/A 1,000.00 combined overall limit
    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
    N/A

    N/A
    Yes

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

    N/A
    N/A

    Immediate
    Immediate
    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.
    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 RM 250. However, the customer can change daily transaction limit from RM1 to RM 1,000.
  • Customers are required to input TAC to proceed with QR Payment transactions whenever their daily accumulated QR transaction amount reached RM 250.

  • 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.

  • If I have received a successful notification for the DuitNow QR payment, but the merchant claimed not receive it, what should I 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.
    What is Challenge Question?
    Challenge Question is a mutual authentication used by i-Muamalat to verify that the transaction performed is from a genuine i-Muamalat user. The transaction authentication using this challenge question will occur if the transaction hit certain triggering criteria.
    When will the Challenge Question enrolment be created?
    If your status in the system is not enrolled, you will be prompted to create your Challenge Question upon logging into your i-Muamalat. You have to choose five (5) questions from the list, type your answer and click submit.
    What happens if I fail to answer the Challenge Question?
    If your attempt to answer the Challenge Question fails after three (3) tries, your User ID will be locked. To unlock your User ID, please contact our Customer Care Centre at +60326005500.
    What should I do if I want to change the Challenge Question?
    You may change your Challenge Question once you have logged in by clicking on 'Other Services' Menu > 'My Data' > 'Change Challenge Question'.

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