To perform any Interbank GIRO transaction, you may choose any of the channels below:

• Via OCBC Internet & Mobile Banking (24 hours)
• Over the Counter Transactions (Branches)

Note:

• You may refer here for list of participants' account structure.
• For credit card payment to AEON services, please select Citibank.
• With effect from 16 December 2016, The Royal Bank of Scotland Berhad (RBS) will cease its IBG operations in Malaysia and hence you will no longer be able to send funds to RBS via IBG.
• Effective 9th April 2018, you can make Funds Transfer to Bangkok Bank Berhad via Interbank GIRO (IBG).
• For Funds Transfer/Loan Payment to Industrial and Commercial Bank of China (Malaysia) Berhad, kindly input beneficiary account number from 3rd digit onwards.
• For Al-Rajhi Bank (M) Berhad Charge Cards payment only.
• For Maybank, credit card payment is meant for Maybank Credit Card & Maybank Amex Credit Card.
• For Ambank, credit card payment is meant for Ambank & MBF Credit Cards.
• Customers of the participating financial institutions may also transfer funds from their accounts to the other participating financial institutions, including OCBC Bank.
• For Public Bank/Public Finance Loan Account/HP repayment, please enter 10 digit Account No. followed by 5 digit Note ID No.
• Bank Rakyat accepts Personal loan / Housing loan & other loans (except Ar-Rahnu / Az-Zahad)

The funds will be available in the beneficiary's account based on the schedule stated below:

*Under normal circumstances

• Applicable for all IBG payments and funds transfer to current accounts and savings accounts.
• For loan and credit card payments initiated up to and including 5.00pm on same Business Days, funds will be available in the beneficiary's account before 12 midnight on the same day.
• For future dated transfer via OCBC Internet and Mobile Banking, the funds will be available in the beneficiary's account by 11am on the business day of the future date as specified by the customer.

IBG Transfer to Registered Beneficiary

1. Log on to https://internet.ocbc.com.my/internet-banking/ with ID and Password
2. Click on ‘Payment & transfer’ > ‘Transfer funds’.
3. Select option ‘Make a transfer’ to another bank account in Malaysia’.
4. Enter the required details of your transfer (i.e Amount, Recipient's Reference and Other Payment Details)
5. Select ‘Transfer Now’ > ‘Interbank GIRO (IBG)’
6. Select your account to transfer from.
7. Click ‘Next’ after agreeing to the Terms & Conditions.
8. Confirm the Beneficiary Information
9. Verify the details and click ‘Submit’.
10. Check your transaction history within 2 working days for rejections, if there is any.

IBG Transfer to New Beneficiary

1. Log in to your account via OCBC Malaysia Mobile Banking app.
2. Tap on bottom menu ‘Pay & Transfer’.
3. Tap on ‘Transfer’.
4. Tap on ‘To new payee’.
5. Select ‘Accounts’ as payee type and enter account details.
6. Tap on ‘Change’ under Transfer mode and select ‘Interbank GIRO (IBG)’ and enter payee name, then tap on ‘Next.
7. Enter amount and transfer details. Tap on ‘Add payee ID’ if you wish to include an additional verification information, then tap on ‘Next’.
8. Verify all details and ‘Slide to transfer’ to proceed.

IBG Transfer to Favourite Beneficiary

1. Log in to your account via OCBC Malaysia Mobile Banking app.
2. Tap on bottom menu ‘Pay & Transfer’.
3. Tap on ‘Transfer’.
4. Select ‘Accounts’ as payee type then select your Favourite beneficiary/ recipient that you wish to transfer funds to.
5. Enter amount and transfer details.
6. Tap on ‘Change’ under Transfer mode and select ‘Interbank GIRO (IBG)’. Tap on ‘Add payee ID’ if you if you wish to include an additional verification information for the payee’s bank, then tap on ‘Next’.
7. Verify all details and ‘Slide to transfer’ to proceed.

Recipient's Reference (Mandatory): A reference to your recipient, which can be your invoice/bill no, insurance policy no, car registration no, etc. This reference appears in payee's statement.

Other Payment Details (Optional): Describe the purpose or other info related to your payment (eg. Jan 14 loan payment). This appears in payee's statement.