DuitNow Transfer (Pay to Proxy) is an industry initiative that allows corporates to send funds to individuals and other businesses, without the need of bank or account details, by simply using a NRIC, Passport number, Police/Army ID, Mobile number or Business Registration Number (BRN) on real-time basis.

No registration is required for making payments via DuitNow Transfer (Pay to Proxy).

You will require a DuitNow ID from your payee for you to proceed your payment. DuitNow ID can be a Business Registration Number (BRN), Mobile number, NRIC, Police or Army ID and Passport number. If your payee did not register for DuitNow ID, the payment will be rejected.

You can use your internet banking platform to make a DuitNow Transfer (Pay to Proxy) transaction. If you are using OCBC Velocity (Business Internet Banking) or OCBC Malaysia Business Mobile Banking app to perform the payment, just make a regular payment but instead of choosing to complete the account details, choose to pay using someone's DuitNow ID.

If you are using OCBC Velocity (Business Internet Banking) or OCBC Malaysia Business Mobile Banking app to perform the payment, key in the payee's DuitNow ID and name of individual or the company name will be diplayed for you to confirm. If it is correct, you can proceed to authorise the payment else you can cancel the payment by exiting the screen.

DuitNow Transfer (Pay to Proxy) is on real-time mode, once you have completed and authorised the payment online, your beneficiary will receive the funds immediately.

Yes, there will be a separate charge for payments through DuitNow Transfer (Pay to Proxy). Please refer to Fees & Charges for more details.

There is no minimum limit for payment via DuitNow Transfer (Pay to Proxy) but the maximum limit is RM10mil per transaction. However, the transaction is subject to the authorisation limit set in OCBC Velocity for each entity.

There is no cut-off time applies for DuitNow. It is available 24x7, 365 days.

Note:Transactions performed after 9:45pm, it will be reflected on your statement as the next day's transaction date.

Please contact the bank immediately should your beneficiary did not receive any funds made via DuitNow Transfer (Pay to Proxy) but do ensure that the correct DuitNow ID have been provided for payment process at first place.

If you have check the "Notify Beneficiary" checkbox when performing the payment via OCBC Velocity (Business Internet Banking), your payee will receive a Payment Advice from OCBC on the DuitNow Transfer (Pay to Proxy) payment.

All outgoing payments done via DuitNow Transfer (Pay to Proxy) will be reflected on your bank statement with the appropriate narratives/ descriptions of DuitNow as reference.

No, you will not be able to make a DuitNow payment as this payment type is not available over the counter.

You can fill up the OCBC Velocity Application Form and submit to any nearest branches for OCBC Business Internet Banking platform which comes together with the OCBC Malaysia Business Mobile Banking app.

No, DuitNow Transfer (Pay to Proxy) is applicable for local currency Malaysia Ringgit (MYR) only.

As of 28 March 2021, we are masking the names of funds recipients when the payer performs 5 consecutive National Addressing Database (NAD) name enquiries using their DuitNow ID or Account Number but are not followed by a successful transaction. The masking will remain in effect until the next calendar day.
This is to prevent any misuse of NAD enquiries and to protect the recipient's information.