MEPS provides the switching network for ATM Service. It links to all participating banks’ ATM systems. When you are making a transaction with another bank’s ATM machine, MEPS will channel the request to your bank for processing. Once approved, instructions are relayed electronically back to the ATM, thus completing the transaction.

• Affin Bank
• Agrobank
• Al Rajhi Bank
• Alliance Bank
• AmBank
• Bank Islam
• Bank Muamalat
• Bank Rakyat
• Bank Simpanan Nasional
• CIMB Bank
• Citibank
• Hong Leong Bank
• HSBC Bank
• Kuwait Finance House
• Maybank
• OCBC Bank
• Public Bank
• RHB Bank
• Standard Chartered Bank
• UOB Bank

Here are the ATM locators available on line :

• Affin Bank
• Agrobank
• Al Rajhi Bank
• Alliance Bank
• AmBank
• Bank Islam
• Bank Muamalat
• Bank Rakyat
• Bank Simpanan Nasional
• Citibank
• Hong Leong Bank
• Kuwait Finance House
• Maybank
• Public Bank
• RHB Bank
• Standard Chartered Bank

In case of loss or theft, contact your financial institution (card issuer) immediately. You should keep a copy of your financial institution’s name, its customer service phone number, and your account number in a convenient place.

Hotline numbers of the participating Financial Institutions:

• Keep your card in a safe place
• Memorize your Personal Identification Number (PIN).
• Never keep your PIN together with your card or share your PIN with anyone.
• Keep your ATM receipts, until you check them against your monthly statement. It’s a good way to guard against fraud and makes record-keeping easier.

• If you need to make a transaction at night, if possible, go with a friend.
• Have your card ready. Don’t fumble through your wallet trying to find it.
• Ensure that the person waiting to use the ATM after you is not able to see you enter your PIN or transaction amount.
• Keep your cash, card, and receipt immediately after completing your transaction.
• If you see anyone or anything suspicious, cancel your transaction and leave immediately.
• Should someone follow you after making a transaction, go to a crowded or well-lit area.
• Do not leave your car unlocked or the engine running when you get out to use an ATM.

The participating banks are listed below and their customers can withdraw local currency in the following countries:

For easy identification, please look out for the Bankcard or MEPS logo at the ATM.

We would advise that you liaise/check with your respective bank before leaving Malaysia for details, as requirements for the cross border ATM facility are specific to individual banks.

Yes, a service fee which is determined by individual banks will be levied. Please contact your bank for more details.

The foreign exchange rate of the day will prevail for all cash withdrawals.

When you need to transfer funds, there are three different ways to use this service:-

• Interbank funds transfer at your bank’s ATM. You can transfer funds from your account to a beneficiary’s account (account maintained in a different bank) at your own bank’s ATM.

• Interbank funds transfer at beneficiary’s bank ATM. You can transfer funds from your account to the beneficiary’s account (account maintained in a different bank) at your beneficiary’s bank ATM.

• Funds transfer at other bank’s ATM. You can also transfer funds between two accounts which are maintained in one bank at another bank’s ATM.

• Affin Bank
• Agrobank
• Alliance Bank
• AmBank
• Bank Rakyat
• Bank Simpanan Nasional
• CIMB Bank
• Citibank
• Hong Leong Bank
• HSBC Bank
• Kuwait Finance House
• Maybank
• Public Bank
• RHB Bank
• UOB Bank

More banks are expected to participate soon.

Consumers will be charged between RM1.00 and RM4.00 per transaction if it involves the following usage:

a) ATM cards from Locally Incorporated Foreign Banks (LIFB);
b) Transaction at LIFBs’ ATMs; and
c) Funds Transfer to LIFBs accounts.

LIFBs consists of Standard Chartered Bank Malaysia, Citibank, HSBC, United Overseas Bank Malaysia and OCBC.

The limit will depend on your daily ATM withdrawal limit.

Registration or subscription is not required. This service is readily available for customers of participating banks.

The funds will be made available immediately as it is conducted online and in real-time.

You can transfer funds anytime from 4.00am to 11.59 am daily, for 365 days a year.

At the moment, this service is available for Hotlink, Celcom and DiGi Prepaid subscribers.

More banks are expected to participate soon.

Here are simple steps to reload your mobile prepaid:

• Step 1 – Insert ATM card in the ATM and enter the PIN

• Step 2 – Select Mobile Prepaid Reload

• Step 3 – Select account – Savings or Current

• Step 4 – Select mobile phone operator

• Step 5 – Select desired reload / top-up denomination

• Step 6 – Enter mobile phone number

• Step 7 – Upon successful reload, a SMS message will be sent for confirmation

No, there is no fee charged to the customers.

The limit is the same as per your daily withdrawal via ATM. Please contact your bank for further information.

This service is readily available for all ATM card holders of participating banks.

This is an additional payment channel apart from the other conventional channels for you to settle your credit card bills and loan* repayment.

You can pay your credit card bill and/or loan through the ATM of another bank. Example: If you are a credit card holder or have a loan from Bank A, you can settle your monthly credit card bill and/or loan repayment by paying at the ATM of Bank B. However, both Bank A and Bank B must be participating banks in this initiative and linked to the MEPS Shared ATM Network.

*loan refers to mortgage loan, vehicle loan and personal loan.

Here are 8 simple steps to perform a transaction:

• Step 1 – Visit the ATM of any participating bank.

• Step 2 – insert your ATM card and key-in your PIN number.

• Step 3 – Select MEPS Interbank Credit Card/Loan Repayment option

• Step 4 – Select the bank you wish to make payment to.

• Step 5 – Key-in the Credit Card/Loan account number.

• Step 6 – Enter the payment amount.

• Step 7 – Confirm your payment amount.

• Step 8 – The ATM screen will display the successful message.

• Affin Bank
• Alliance Bank
• AmBank
• Bank Rakyat
• Citibank
• Hong Leong Bank
• HSBC Bank
• Maybank
• Public Bank
• RHB Bank
• UOB Bank

There will be a RM1.00 fee for each successful transaction.

• Additional payment channel – This service provides an additional channel to settle your monthly credit card and/or loan repayments.
• Convenience – Because you have the flexibility to use the ATMs of 11 participating banks to settle your bills and loans, making payments on a monthly basis will become convenient and no longer a chore.
• Secured transactions – Your payments made through this channel are secured and protected.