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 and Credit 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 Microsoft Edge.
  • Latest version of Google Chrome.
  • Latest version of Mozilla Firefox
  • Latest version of Safari
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 "Settings".
  2. Select Maintenance > Change Transaction Limits.
  3. Enter your new Transaction Limit > Submit.
  4. Approve your new transaction limit via i-MSecure at i-Muamalat Mobile.
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.
  • You may self-reactivate your i-Muamalat by clicking at the HERE hypertext displayed upon your login attempt to your deactivated i-Muamalat account. Upon submitting for self-reactivation, an activation period is imposed before user able to login i-Muamalat.
What are the services available at i-muamalat Internet Banking?
  • Accounts Summary
  
  • Transaction History
  
  • Fund Transfer
  • Own account, 3rd Party accounts
  • Interbank GIRO (IBG)
  • DuitNow Transfer
  • *Transfers To Favourite
  • DuitNow Request
  
  • *Standing Instructions
  • Own account, 3rd Party accounts
  • Interbank GIRO (IBG)
  • DuitNow Transfer
  • DuitNow Request
  • 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
  • DuitNow AutoDebit
  • DuitNow AutoDebit Registration
  • DuitNow AutoDebit Approval
  • DuitNow AutoDebit 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 "Forgot Password" link at https://www.i-muamalat.com.my website or i-Muamalat Mobile App, 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 Settings > Security > 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 accounts at any participating banks, including credit card and financing repayment using interbank GIRO transfer and/or DuitNow Transfer.
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 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) JPA Bayaran & Pencen RM0.50 service charge per transaction
4) Bayaran Asrama Sekolah RM0.50 service charge per transaction
5) 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
6) 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?
  • Spot the JomPAY Biller Code on your bills or invoices.
  • Login i-Muamalat, select JomPAY under Payments menu.
  • Enter the payment details and confirm payments.
  • Approve your transaction via i-MSecure at i-Muamalat Mobile.

    • 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 Others > Biometric Login Setting > Enable Biometric Login.
    • Both methods require i-MSecure approval 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, DuitNow Transfer and DuitNow Request
    • Financing Payment - Own, 3rd party and redraw financing
    • Prepaid Reload
    • Cheque Status Inquiry (for individual account only)
    • Transaction History
    • DuitNow ID Registration and Maintenance
    • DuitNow AutoDebit- Registration, Approval and Maintenance
    • Waktu Solat
    • Daily Quote
    • DuitNow QR
    • 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.
    • You may click menu 'Kill Switch' at i-Muamalat website to immediately deactivate your i-Muamalat account.
    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 9 and above
    • iOS: iOS 13 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. Approve your transaction via i-MSecure at i-Muamalat Mobile.
    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 13 and above; and Android 9 and above operating systems.
    What is i-Muamalat Mobile Application 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.
    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. You may search and print required i-Muamalat transaction details.
  • For i-Muamalat Mobile Apps, you may get from Others > i-Muamalat Successful Transaction. You may search and print required i-Muamalat transaction details.

    • 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 regardless of amount through software token embedded in i-Muamalat Mobile Application. This 2 Factor Authentication (2FA) feature is available on the 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 authorise transaction method. i-MSecure is a feature that allows user to approve or reject i-Muamalat transactions directly from their smartphones.
    How do I register for i-MSecure?
    i-MSecure is available on the latest version of 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 Settings > Security > i-MSecure Token Registration. System will display i-MSecure Token Registration page.
    2. Click on 'Register' button. System will direct to i-MSecure Token Registration Confirmation page and a TAC number will be sent to your respective registered mobile TAC number. Insert TAC and click 'Submit'.
    3. Please re-click i-MSecure Token Registration Menu as per Step (i) and (ii) for the updated status. System will display Pre-Activated i-MSecure Token Status with QR code.
    4. To add device, please launch latest i-Muamalat Mobile Application in your mobile device and tap on i-MSecure button without login i-Muamalat Mobile Application.
    5. Camera will be activated, point the device's camera at the QR code displayed in i-Muamalat Website > i-MSecure Token Registration page and scan.
    6. Once successfully scanned, your i-Muamalat Mobile App shall display Add New Device - Confirmation page.
    7. Enter your i-Muamalat username and password.
    8. Input TAC, and click on 'Confirm' button. System will direct to Add New Device - Acknowledgement page.
    9. After add device activity, an activation period is imposed before user able to utilize the i-MSecure token.
    Can I register for i-MSecure on two different devices?
    No, i-MSecure is tied to one (1) device only per username.
    How do I authorise my transactions with i-MSecure?
    • For i-Muamalat website, you will be prompted with a push notification on your registered mobile device. You need to "Approve" or "Reject" the transaction within 60 seconds.
    • For i-Muamalat Mobile App, at Confirmation Page, 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
    • Allow notification for Android or Huawei 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:
      a) 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 Settings > Security > i-MSecure Token Registration menu.
      3. After add device activity, an activation period is imposed before user able to utilize the i-MSecure token.

      b) For Android and Huawei:
      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 > Go to Settings > Security > i-MSecure Token Registration page, delete existing device and proceed with add device activity.
      6. After add device activity, an activation period is imposed before user able to utilize the i-MSecure token.
    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 Settings > Security > i-MSecure Token Registration menu.
      2. Click on 'Delete' button in i-MSecure Token Registration page. System will display Delete Device Confirmation page and a TAC number will be sent 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.
      6. After add device activity, an activation period is imposed before user able to utilize the i-MSecure token.
    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.
      3. After add device activity, an activation period is imposed before user able to utilize the i-MSecure token.
    • 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 i-MSecure Token Registration page.
      6. After add device activity, an activation period is imposed before user able to utilize the i-MSecure token.
    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'?
    • First transaction from Favourite list requires i-MSecure approval at i-Muamalat Mobile.
    • Subsequently, no i-MSecure approval is 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.
    • You may verify your mobile device tagged to i-MSecure at i-Muamalat website > Settings > Security > i-MSecure Token Registration.
    • In the event that the Device Name and OS is not yours, you may immediately delete the device.
    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 Transfer?
    DuitNow Transfer is a new real-time online fund transfer service that allows you to transfer funds to your recipient's DuitNow ID or account number. You can register and transfer funds using DuitNow Transfer 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 DuitNow on the left menu > DuitNow ID > DuitNow ID Registration. System will display DuitNow ID applicable to you.
      2. Click on the DuitNow ID you preferred
      3. Select an account to be linked from the dropdown list
      4. Tick the Terms & Conditions and click 'Submit'
      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 > Others > DuitNow ID Registration. System will display DuitNow ID applicable to you.
      2. Click on the DuitNow ID you preferred
      3. Select an account to be linked from the dropdown list
      4. Click AGREE & SUBMIT
      5. Approve your transaction via i-MSecure.

    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 ID?
    Currently, Savings Accounts and Current Accounts can be registered for DuitNow ID.
    Can I change the account registered for DuitNow ID?
    Yes, you can. Follow below steps:
    • For i-Muamalat Web, follow below steps:
      1. Login i-Muamalat > Click on DuitNow on the left menu > DuitNow ID > DuitNow ID Maintenance. System will display DuitNow ID Maintenance page.
      2. Click on bank name hyperlink you preferred
      3. Select an account to be linked 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 > Others > DuitNow ID Maintenance.
      2. Click on the DuitNow ID you preferred
      3. Select an account to be linked from the dropdown list
      4. Click Submit button
      5. Approve your transaction via i-MSecure.

    How can I switch my DuitNow ID registrations from other bank to Bank Muamalat?
    Follow below steps:
    • For i-Muamalat Web, follow below steps:
      1. Login i-Muamalat > Click on DuitNow on the left menu > DuitNow ID > DuitNow ID Maintenance. System will display DuitNow ID Maintenance page.
      2. Click on bank name hyperlink you preferred
      3. Select New Linked Account 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 > Others > DuitNow ID Maintenance.
      2. Click on the DuitNow ID you preferred
      3. Select the new Linked Account from the dropdown list
      4. Click Submit button
      5. Approve your transaction via i-MSecure.

    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 DuitNow on the left menu > DuitNow ID > DuitNow ID Maintenance. System will display DuitNow ID Maintenance page.
      2. Click Delete Button at the required DuitNow ID
      3. Insert TAC number which automatically sent to your registered mobile number for TAC
      4. Click Confirm
    • For Mobile App, follow below steps:
      1. Login > Others
      2. DuitNow ID Maintenance
      3. Tap on 'Delete' button for the required DuitNow ID
      4. Approve your transaction via i-MSecure

    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 DuitNow on the left menu > DuitNow ID > DuitNow ID Maintenance. System will display DuitNow ID Maintenance page.
      2. Slide the status bar to the left to deactivate or to the right to activate.
      3. Click Yes on the confirmation
    • For Mobile App, follow below steps:
      1. Login > Others
      2. DuitNow ID Maintenance
      3. Slide the status bar to the left to deactivate or to the right to activate
      4. Click OK on the confirmation

    Can a third party register my DuitNow ID to their account number?
    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 i-Muamalat Mobile Application 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 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
    		 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 i-Muamalat users can experience DuitNow QR using i-Muamalat Mobile Application. The customer needs to ensure i-Muamalat Mobile Application is updated to the latest version.
    What are the functions available for DuitNow QR within i-Muamalat Mobile Application?
    There are 2 types of functions available:
    a) Scan QR
    User can scan merchant's or other person's QR Code to pay or transfer funds. The source of debiting account for this is via Current Account/Savings Account only.

    b) Create QR
    User can generate a QR Code to receive fund from other person.

    What is daily transaction limit to use DuitNow QR?
    Maximum daily purchase limit for DuitNow QR is RM50,000. The customers can set a lower limit at i-Muamalat website based at their convenience.
    How to change DuitNow QR payment limits?
    1. Login to i-Muamalat website;
    2. Select "Settings" then select "Maintenance" and select "Change Transaction Limits"; and
    3. The customers may change preferred payment limit accordingly.
    4. Approve your transaction via i-MSecure at i-Muamalat Mobile.
    Which debiting account used for DuitNow QR?
    i-Muamalat users 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 website;
    2. Select "Settings" then select "Maintenance" and select "Change Default Account"; and
    3. Select "DuitNow QR" at Transaction Type
    4. The customers may change preferred account accordingly.
    5. Click "Request TAC", input TAC number and click "Submit"
    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 50,000.
  • Customers are required to approve DuitNow QR transaction via i-MSecure.

    • What are the types of QR codes available for scanning?
    There are two types of QR codes:
  • Dynamic QR Code: Merchant's or recipient's account details and transaction amount has been embedded into it. The customers can just scan QR code without entering the purchase amount.
  • Static QR Code: It has the merchant's or recipient'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 at i-Muamalat Transactions menu.
    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. Login i-Muamalat website
    2. Click on Transfers / Payments / Prepaid Reload > Click Payments Menu > Select From Account Number
    3. Select EPF from 'To' the dropdown list tab
    4. Click New Transfer for Non Favourite EPF payment or select from Favourite list displayed
    5. Select Payment Type and input necessary field.
    6. Click Submit button.
    7. Approve your transaction via i-MSecure at i-Muamalat Mobile.
    8. 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 from i-Muamalat website. Click on 'Settings' > 'Security' > 'Change Challenge Question'.
    • Approve your transaction via i-MSecure at i-Muamalat Mobile.
    What is DuitNow Request?
  • A service that allows payees to send digital payment request to collect funds from a payer. DuitNow Request service is available via i-Muamalat Website and Mobile App.
  • With DuitNow Request, payees may request payment instantly 24/7 through the payer's Mobile Number, MyKad/Passport Number, Army/Police Number, Business Registration Number (BRN) or Account number.
  • DuitNow Request allows payment to be collected from Current Account Savings Account (CASA) and e-Wallet.

    • How do I initiate a DuitNow Request?
    You may submit a DuitNow Request to the payer via i-Muamalat Website and Mobile App through DuitNow Request menu under Transfers.
    Where do I view list of Incoming and Outgoing DuitNow Request?
    • i-Muamalat Website
      1. Login i-Muamalat Website
      2. Select DuitNow menu
      3. Select DuitNow Request List
      4. Select Incoming DuitNow Request or Outgoing DuitNow Request

    • i-Muamalat Mobile Apps
      1. Login i-Muamalat Mobile Apps
      2. Select Others
      3. Click Incoming DuitNow Request or Outgoing DuitNow Request
    What should I do when I receive an Incoming DuitNow Request?
    You can pay the DuitNow Request and the payment will be credited to the requestor. You may also reject the Incoming DuitNow Request or forward the request to other DuitNow ID or Account Number.
    What should I do if I want other payer to pay for the Incoming DuitNow Request?
    You may forward the DuitNow Request to other payer by clicking 'Forward' button and insert other payer's DuitNow ID or Account Number.
    How do I respond to any Incoming DuitNow Request if I do not have i-Muamalat?
    You will receive an SMS for Incoming DuitNow Request. However, you need to register i-Muamalat prior to DuitNow Request payment, reject or forward.
    Can I set favourite for DuitNow Request?
    Yes, you can set favourite for DuitNow Request payer.
    Can I set Standing Instruction for DuitNow Request?
    Yes, you can set Standing Instruction for the DuitNow Request.
    What is the transaction limit amount for DuitNow Request?
  • For DuitNow Request, maximum allowable amount is RM 50,000.00 per transaction for all i-Muamalat user type.
  • For DuitNow Request Payment, maximum transaction limit is RM 50,000.00 combined with overall limit per day for Individual Local and Sole Proprietorship. While for Individual Foreign, maximum transaction limit is RM 10,000.00 combined with overall limit per day.
  • Be informed that DuitNow Request Payment limit is sharing with DuitNow Transfer limit.

    • What is DuitNow AutoDebit?
    A service that allows businesses to collect recurring payments based on consent given by customers.
    How do I register for DuitNow AutoDebit?
  • There are two (2) methods for DuitNow AutoDebit registration:
      1. You may submit a DuitNow AutoDebit registration for any participating Merchant from i-Muamalat Website or Mobile Application.

        2. Follow below steps:
        1. Login i-Muamalat
        2. Go to DuitNow / Others
        3. Select DuitNow AutoDebit Registration
        4. Select desired Merchant Name from the dropdown list and insert required information
        5. Click Submit
        6. Approve your transaction via i-MSecure at i-Muamalat Mobile
        7. A specific DuitNow AutoDebit ID will be provided with status pending approval by Merchant.
        8. Once Merchant approved your registration, you will receive a notification or you may also refer to DuitNow AutoDebit Maintenance list for updated DuitNow AutoDebit ID status.
      2. Another method is Merchant may initiate a DuitNow AutoDebit from Merchant portal for user to approve via i-Muamalat Website or Mobile Application.

        3. Follow below steps to approve DuitNow AutoDebit registration:
        1. Login i-Muamalat
        2. Go to DuitNow / Others
        3. Select DuitNow AutoDebit Approval
        4. Click on the listed DuitNow Reference Number
        5. Select the Debiting Account at From Account selection
        6. Click Approve. If you want to reject the DuitNow AutoDebit, click Reject button.
        7. Approve your transaction via i-MSecure at i-Muamalat Mobile.
        8. The DuitNow AutoDebit is now successfully registered and a specific DuitNow AutoDebit ID will be provided. You may refer to DuitNow AutoDebit Maintenance list for updated DuitNow AutoDebit ID details.

    Where do I view list of registered DuitNow AutoDebit?
    You may view the list at DuitNow AutoDebit Maintenance under DuitNow / Others menu upon login i-Muamalat Website / Mobile App.
    How can I switch my registered DuitNow AutoDebit from other bank to Bank Muamalat?
  • Follow below steps:
    1. Login i-Muamalat Website / Mobile App
    2. Go to DuitNow / Others
    3. Select DuitNow AutoDebit Maintenance
    4. Click on the listed AutoDebit ID
    5. Select New Debiting Account from the dropdown list
    6. Click Submit
    7. Approve your transaction via i-MSecure at i-Muamalat Mobile.

    Can I update my registered Duitnow AutoDebit details?
  • Yes, you may update DuitNow AutoDebit status and debiting account number.

    • Follow below steps:
    1. Login i-Muamalat Website / Mobile App
    2. Go to DuitNow / Others
    3. Select DuitNow AutoDebit Maintenance
    4. Click on the listed AutoDebit ID
    5. To update:
      1. debiting account: select New Debiting Account from the dropdown list
      2. status: select New AutoDebit Status from the dropdown list
    6. Click Submit
    7. Approve your transaction via i-MSecure at i-Muamalat Mobile

    What is AutoDebit Effective Date and AutoDebit Expiry Date?
  • AutoDebit Effective Date is a date when the AutoDebit ID will be effective and Merchant may send debit request to your account.
  • AutoDebit Expiry Date is a date when the AutoDebit ID will be expired and Merchant could not send debit request anymore when the expiry date has reached.

    • What is the maximum amount limit for DuitNow AutoDebit Registration?
  • Maximum allowable amount limit is RM 50,000.00 per DuitNow AutoDebit ID initiated from i-Muamalat Website or Mobile Application.
  • However, for DuitNow AutoDebit initiated by Merchant, the maximum amount limit will be set by the Merchant. You may view the limit amount on DuitNow AutoDebit Approval screen before you approve the consent.

    • Can I delete the registered DuitNow AutoDebit?
  • Yes, you may delete your DuitNow AutoDebit as per below steps:
    1. Login i-Muamalat Website / Mobile App
    2. Go to DuitNow / Others
    3. Select DuitNow AutoDebit Maintenance
    4. Click on the listed AutoDebit ID
    5. Click Delete button
    6. Approve your transaction via i-MSecure at i-Muamalat Mobile

    I noticed that there is an unauthorized or erroneous DuitNow AutoDebit transaction, what should I do?
    You may delete that DuitNow AutoDebit ID as per above steps and please contact our Customer Care Line at +60326005500 to lodge a report.
    What is Kill Switch?
    Kill Switch is a feature to temporarily block all login attempts when you suspect that your i-Muamalat login credentials have been compromised. This feature is a quick way to prevent scammers from accessing your i-Muamalat account and preventing any outgoing transactions from your account(s). You can locate the feature at i-Muamalat Website Login page at https://www.i-muamalat.com.my
    What is Activation (Cooling Off) Period?
  • There will be a 12-Hour Activation (Cooling-off) Period when you perform the following function in efforts to help prevent unauthorised login/authorisation. You will only be able to login i-Muamalat / use i-MSecure to authorise transactions after 12 hours of the maintenance performed:-
    • a. Add new device for i-MSecure;
    b. First time registration of i-Muamalat via credit card only; and
    c. Self-reactivation of i-Muamalat