Shared ATM Network

CONSUMER

DOMESTIC CASH WITHDRAWAL

1. How does it work?

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.

2. Which Financial Institutions are members of the MEPS Shared ATM Network?
  • 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
3. Where is the nearest ATM to me?
4. What should I do if I lose my ATM card?

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:

Affin Bank 03-2055 971103-2055 9682
Agrobank 1 300 88 2476
Alliance Bank 03-2694 8800
Al Rajhi Bank 1300 82 6000
AmBank 03-2612 6888
Bank Islam 03-2698 960803-2968 9617
Bank Muamalat 1 300 88 8787
Bank Rakyat 03-21179000
Bank Simpanan Nasional 03-2142 5258
CIMB Bank 03-2296 0000
Citibank 03-2383 0000
Hong Leong Bank 03-76268899
HSBC Bank 1300 88 0181
Kuwait Finance House 03 2168 0000
Maybank 03-2074 833203-2070 3333 (Hotline)
OCBC Bank 1-300-88-7000
Publib Bank 03-2179 5000
RHB Bank 03-2031 028603-2031 5279 ext 363 / 705
Standard Chartered Bank 1300 888 111
UOB Bank 03-26128 121
5. Tips for protecting your ATM card
  • 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.
6. Tips while using your ATM card at ATM
  • 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.

CROSS-BORDER CASH WITHDRAWAL

1. Can I make cash withdrawals in Indonesia, Singapore, Thailand and South Korea?
2. What do I need to do before making ATM transactions in Indonesia, Singapore, Thailand or South Korea?

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.

3. How can i activate my ATM card for cash withdrawal?
4. Is there a service fee for making transactions in Indonesia, Singapore, Thailand or South Korea?

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

INTERBANK ATM FUNDS TRANSFER (IBFT)

1. How does it work?

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.
2. Which banks are participating in this service?
  • Affin Bank
  • Agrobank
  • Alliance Bank
  • Al-Rajhi
  • AmBank
  • Bank Islam
  • Bank Rakyat
  • Bank Simpanan Nasional
  • CIMB Bank
  • Citibank
  • Hong Leong Bank
  • HSBC Bank
  • Kuwait Finance House
  • Maybank
  • Public Bank
  • RHB Bank
  • Standard Chartered Bank
  • UOB Bank

More banks are expected to participate soon.

3. What are the charges for every transaction?

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.

4. Is there any limit to the amount of funds that can be transferred per day?

The limit will depend on your daily ATM withdrawal limit.

5. If I exceed the ATM withdrawal limit while performing IBFT, will I be able to make other transactions via ATM e.g. Cash withdrawal?
Some banks may have different limit for funds transfer and cash withdrawal. Please contact your bank for further information.
6. Do I need to register or subscribe to this service?

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

7. When will the funds made available?

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

8. What are the operating hours?

The operating hours are from 12:15am to 11:59pm daily, 365 days a year. Kindly check with your preferred bank(s) on its IBFT operating hours.

9. How do i perform IBFT?
  • Step 1 – Visit ATM of any participating banks.
  • Step 2 – Insert your ATM Card and key-in your Personal Identification Number (PIN).
  • Step 3 – Select MEPS Interbank Funds Transfer
  • Step 4 – Select the bank you wish to transfer your funds to i.e. the beneficiary bank
  • Step 5 – Key-in the beneficiary bank account number.
  • Step 6 – Enter the transaction amount.
  • Step 7 – After the beneficiary name is displayed on the ATM screen,
    confirm your transaction details and select ‘proceed’ to complete the funds transfer.
  • Step 8 – The ATM screen will display message of successful transaction and print a receipt for your safekeeping.

INTERBANK MOBILE PREPAID TOP-UP

1. Which telecommunication operator offers this service?

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

2. Which banks are participating in this service?


More banks are expected to participate soon.

3. How do I reload my mobile prepaid subscription via ATM?

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
4. Are there charges for every transaction?

No, there is no fee charged to the customers.

5. Are there any purchase limits per day for prepaid top-up?

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

6. Do I need to subscribe for this service with the participating Bank?

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

INTERBANK CREDIT CARD & LOAN REPAYMENT

1. How does it work?

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 bills and/or loans 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, hire purchase loan/financing.

2.  How do I perform an interbank Credit Card & Loan Repayment via ATM?

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.
3. What are the participating banks?
  • Affin Bank
  • AgroBank
  • Alliance Bank
  • Al-Rajhi
  • AmBank
  • Bank Islam
  • Bank Rakyat
  • Bank Simpanan Nasional
  • CIMB
  • Citibank
  • Hong Leong Bank
  • HSBC Bank
  • Kuwait Finance House
  • Maybank
  • Public Bank
  • RHB Bank
  • Standard Chartered Bank
  • UOB Bank
4. Are there charges for every transaction?

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.

5. What are the benefits of using this service?
  • 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 any of the ATMs of 12 participating banks to settle your bills and loans, making monthly payments more convenient and no longer a chore.
  • Secured transactions – Your payments made through this channel are secured and protected.