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| Contents | Bank charges | ||
| 1. | Alliance My eSaving Debit Card | ||
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RM8.00 | ||
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RM8.00 | ||
| 2. | Alliance Hybrid Standard, AP Platinum & PB Platinum Debit Card | ||
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RM12.00 | ||
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RM12.00 | ||
| 3. | Biz-Xpress Card | ||
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RM8.00 | ||
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RM8.00 | ||
| 4. | Others Charges | ||
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RM1.00 per transaction RM1.00 per transaction * Effective 9 March 2020 |
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For transaction amount less than or equal to RM5,000 - Free of Charge For transaction amount more than RM5,000 – RM0.50 per transaction *Effective 1 July 2018 |
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RM0.10 per transaction | ||
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RM1.00 per transaction | ||
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RM8.00 per transaction | ||
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Transactions made in foreign currency shall be converted to Ringgit Malaysia at the conversion rate and charges as determined by MasterCard or Visa and shall be inclusive of 1% foreign exchange conversion spread by Alliance Bank. | ||
| 5. | Interchange Ceiling Fee | For MasterCard, click here. For Visa, click here. |
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| Contents | Bank charges | ||||||
| 1. | Processing Fee for Loan Applications | ||||||
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| 2. | Commitment fees on Loan Applications | ||||||
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Exempted 1.0% p.a. |
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1.0% p.a. | ||||||
| Fee Type | How much will I pay? | When am I charged? | What else do I need to know? |
| Set-up Fee (applicable to Alliance FlexLink Home/Term Loan) |
One-time fee of RM200 | This fee will be charged when the loan is disbursed and the amount will be deducted from your FlexLink current account. | Alliance FlexLink home loan is a full-flexi mortgage linked to a current account. It gives you the flexibility to deposit and redraw the excess funds in the current account at any convenient time, and enjoying interest savings on your home loan. The excess balance in the FlexLink current account (after deducting the loan instalment and amount due) will be used to set-off the outstanding balance of the FlexLink home loan for interest calculation. |
| Set-up Fee (applicable to Alliance FlexSave Home/Term Loan) |
One-time fee of RM200 | This fee will be charged when the loan is disbursed and the amount will be deducted from your loan account or your authorised savings or current account. | Alliance FlexSave is a semi-flexi loan that allows you to make extra payments (advance payment) into your loan account to save on interest. When you need funds, you can withdraw the advance payment from your loan account by calling or visiting the bank. |
| Monthly Maintenance Fee (applicable to SaveLink/Alliance FlexLink current account) |
RM10 per month | This monthly fee will be deducted from your SaveLink/FlexLink current account on the last day of each month after loan has disbursed. | SaveLink/FlexLink current account is a non-interest bearing account that gives you the flexibility to deposit and re-withdraw excess funds in your current account at any convenient time and enjoy savings on your home loan interest. |
| Redemption Statement Fee | RM50 per request | This fee is payable when you request a redemption statement. The amount will be deducted from your loan account. | You may contact us through the following channels:
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| Letter of Confirmation for EPF withdrawal | RM50 per request | This fee is payable when you request a confirmation letter for EPF withdrawal, the amount will be deducted from your loan account. | This letter is to confirm your loan facility with the bank for EPF withdrawal. Please refer to EPF website for more details on EPF housing redrawal requirements. |
| Commitment Fee - for unutilised overdraft limit | 1% per annum on unutilised overdraft limit | This fee will be charged on the unutilised portion of the overdraft if the overdraft limit granted to you exceeded RM250,000. This fee is calculated on daily basis and will be charged to your overdraft account at the end of each month. | It is important to monitor your account and your overdraft utilisation. Review the facility limit that you actually required. You may request to cancel or reduce your OD limit if the facility is no longer required. You may contact our Contact Center at 03-5516 9988 (8am to 10pm daily) for assistance. |
| Request for retrieval and photocopy of Security Document (e.g. title deeds, charge documents, guarantees, Letters of Offer, S & P Agreement, etc) | RM20 will be imposed on the first document and RM10 each for subsequent documents. | This fee is payable upon request. | To avoid incurring the retrieval fees, please keep safe the documents that sent/ CC copied to you. |
| Request for Loan Statement (Adhoc basis) | RM5 for the first page and RM1 each for subsequent pages | This fee is payable upon request. | We encourage you to register for our online banking - allianceonline to view and download your loan e-statement, this service is made available to you with no charges and you may access to your statement anytime, anywhere. |
| Late Payment Charges | 1% p.a. on the amount in arrears | Late payment charge of 1% per annum will be charged on the amount in arrears until the settlement of the amount in arrears. | If you failed to make any instalment/ interest payment by your loan payment due date, it shall be deemed as arrears. Late or missed payments will have a negative impact on your credit score. To avoid late payment, please ensure you always make your payment on time. Alternatively, you can pay your instalment conveniently by setting up Standing Instruction (SI) or Auto Fund Transfer (AFT) to avoid miss / late payment:-
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| Advance Payment Withdrawal Fee (applicable to conventional Home Loan/Term Loan with redrawal features) |
RM50 for every withdrawal | This non-refundable fee is to be paid prior to each withdrawal and will be charged to your loan account. | Each withdrawal is subject to a minimum of RM5,000 and in multiples of RM1,000 Withdrawal request can be made via our contact center at 03-5516 9988 (8am to 10pm daily). |
| Early Settlement Fee (Loan settle within lock-in period) |
2% of the approved loan amount | You will be charged an early settlement fee if you fully paid-off your loan within the lock-in period (lock-in period will specified in your Letter of Offer). | Carefully choose the financing option that suits your needs. You may consider waiting until the lock-in period is over before settling your loan in full to avoid Early Settlement Fees. Each product may have different lock in periods and early settlement fees, please refer to your Letter of Offer for details. |
| Overdraft Excess Fee | 1% per annum above the prescribed rate on any overdraft excess/overdrawn amount | If the Overdraft utilisation exceeds the facility limit for any reason, an interest rate of 1% per annum above the Prescribed Rate will be charged on the excess amount, from the date the excess occurs until the date the excess is settled. | Keep track of your account balances and transactions within the facility limit. Immediately repay the overdrawn amount to avoid the excess fees. |
| Legal and Disbursement Fees | Solicitor fees as per the scale in the Solicitors' Remuneration Order (SRO) and disbursement fee (including but not limited to registration fee, search fee and other related charges per the scale fees charged by the respective authorities and/or legal firms.) | Fees are payable to lawyer upon execution of loan documents. | You may also choose to finance these costs (up to 5% of property value) into your loan and help you to reduce the upfront cost. |
| Stamp Duty | Stamp Duty as per the Stamp Duty Act 1949 (Revised 1989) | Solicitor will collect the stamp duty upon execution of loan documents and the fee is payable to Lembaga Hasil Dalam Negeri (LHDN) | |
| Valuation Fee | As per the Seventh Schedule (Rule 48) of the scale fees set by the Board of Valuers, Appraisers and Estate Agents Malaysia. | Fee is payable to valuer upon the service rendered. |
| Fee Type | How much will I pay? | When am I charged? | What else do I need to know? |
| Late Payment Penalty | 1% p.a. on the installment amount overdue, accruing from the due date up to the date of settlement. | This penalty is applicable if you fail to make your scheduled payment by the due date specified in your loan agreement. | |
| Stamp Duty Fee as per Stamp Duty Act 1949 (revised 1989) | RM5 for every RM1,000 or part thereof on the total approved loan amount. | This fee will be deducted upfront before crediting the balance into your Savings or Current Account maintained with us or other financial institution as specified in your application. | As with any stamp duty, this fee is imposed and payable to the Lembaga Hasil Dalam Negeri. Therefore, we are unable to waive this amount. |
| Fee type | How much will I pay? | When am I charged? | What else do I need to know? | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Finance Charge on Retail Purchase - for You:nique Rates Credit Card | 9% per annum if you promptly settle your minimum payment amount due for 12 consecutive months. If you do not meet the above criteria, the BNM tiered interest rates below will prevail. |
- When you use a credit card, you're essentially borrowing money from the bank. If you don't repay this money by the due date, the bank charges interest, known as finance charges, on the remaining outstanding balance. - If you do not pay in full and on time, finance charges on retail transactions will be calculated from the posting date of the respective transactions. |
- To enjoy lower finance charges on retail transactions, it is recommended that you make at least 10 prompt payments in the last 12 months. - If you pay off all outstanding balances in full and on time, you will enjoy a finance charge-free period of 20 or 26 days, depending on your Alliance Bank Credit Card, from the date of the Statement of Account. - Finance charges are applied at the end of each statement period and are calculated daily based on the outstanding balance on your card at the end of each day. The outstanding balances for each category are multiplied by the applicable finance charge rate and divided by the number of days in a calendar year. The finance charge amount is determined by adding all of the daily values for each day of the statement period. |
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| Finance Charge on Retail Purchase - for all other Alliance Bank Credit Cards | Tier 1: 15% per annum for other Alliance Bank Credit Cards, or 8.88% per annum for Visa Platinum Business Credit Card, if you promptly settle your minimum payment amount due for 12 consecutive months. Tier 2: 17% per annum if you promptly settle your minimum payment amount due for 10 months or more in 12 consecutive months. Tier 3: 18% per annum if you do not fall within the above categories. |
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| Additional Paper Statement Fee | RM5 per copy | We will issue and send your monthly credit card statement to you based on your preferred delivery method, at no additonal charge. Should you request an additional credit card statement, we will need to reprint and mail it to you. A fee is charged for these additional paper statements to cover the costs of reprinting, handling, and mailing. | - We encourage you to opt for e-statements, which are more environmentally friendly and cost-effective. - You can also retrieve up to the past 12 months' statements with the option to download them into a PDF document for your safekeeping. |
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| Card Replacement Fee | RM15 per Visa Basic Card RM50 per card for all other credit cards |
This fee is payable upon request for a new card when your existing card is lost, stolen or damaged. This fee is charged to cover the cost of creating and sending you the new card. | Alternatively you can opt for our Virtual Credit Card, ensuring your card is safe and in good condition. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Payment Charge | A minimum of RM10 or 1% of the total principal outstanding balance, whichever is higher, up to a maximum of RM100. | This fee is payable if you fail to make your minimum monthly payment, along with any overdue amount, by your statement due date. | - To avoid credit card late fees, make sure you always pay your credit card bill early or on time. Keep track of your statement due date by referring to your credit card statement. - Set up automatic payments or add your due date to your calendar as a reminder. |
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| Cash Advance Fee | 5% of the amount advanced or a minimum of RM15.00, whichever is higher, per transaction. | This fee is payable when you use your credit card for cash advances/cash withdrawals obtained through Alliance Bank or other ATM worldwide or when you receive a cash substitute from a merchant (e.g., purchasing gambling chips/ tokens). | - You can withdraw up to 80% of your card credit limit as a cash advance, however, subject to: (i) the daily withdrawal limit at any ATM of Alliance Bank or any other bank or institution with which Alliance Bank has an arrangement for the use of the ATM of the said bank or institution for cash withdrawal; and (ii) the cash withdrawal at any one time not causing the aggregate outstanding balance of the cardholder’s obligation to Alliance Bank to exceed the cardholder’s prescribed credit limit. - To avoid this fee, use your debit card to withdraw cash. Instead of opting for a cash advance, you might want to consider withdrawing money from your emergency fund or savings account. |
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| Finance Charge on Cash Advance | Finance charge for cash advances is 18% per annum of the outstanding balance, excluding late payment penalty charges and taxes, which are calculated on a daily basis from the transaction date until the full repayment date. | The fee is charged from the day you make the cash advance withdrawal. | There is no grace period for finance charges for cash advance. That means you will be charged interest from the date you withdraw the cash advance. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fees | This fee is payable each year from the second year onwards, giving you access to the benefits, rewards and services of the credit card. Please note that this fee is waived for the first year.
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This fee will be charged from the second year onwards, 15 days after the anniversary of your credit card's issuance date. For example, if your card is issued on 1 Jan 2024, this fee will be charged on 16 Jan 2025. | - This fee may be waived if the following Annual Fee waiver criteria are met.
- This fee will be waived if you:
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| Overseas Transaction Conversion Fee | This fee covers the cost of converting foreign currency transactions to Ringgit Malaysia. For Visa Basic Card Transactions made in foreign currency will be converted to Ringgit Malaysia at the conversion rate and charges as determined by Visa. For Other Credit Cards Transactions made in foreign currency will be converted to Ringgit Malaysia at the conversion rate and charges as determined by Mastercard or Visa, inclusive of 1% foreign exchange conversion spread by Alliance Bank. |
When you perform a transaction that is converted by Mastercard or Visa from a foreign currency to Ringgit Malaysia. | - The conversion from foreign currency to Ringgit Malaysia will be based on the currency conversion rates determined by MasterCard or Visa. Use the currency calculator below to get an indication of the rate you may receive:- For Mastercard, click here: https://www.mastercard.us/en-us/personal/get-support/convert-currency.html For Visa, click here: https://www.visa.com.my/support/consumer/travel-support/exchange-rate-calculator.html |
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| Service Tax | Service tax will be charged to both primary and supplementary credit cardholders, which are administered by the Royal Malaysian Customs Department. RM25 for Principal Card RM25 for Supplementary Card |
Service tax becomes chargeable on the activation date of the cards and on the anniversary of the activation date of the cards. | Similar to any tax, this is imposed and is payable to the Royal Malaysian Customs Department. Therefore, we are unable to waive this amount. | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Contents | Bank charges | |
| 1. | Interest received on advance (Overdrafts) | Interest on overdraft by arrangement Minimum: RM10.00 |
| 2. | Service charge on Consumer Current and Overdraft Accounts with daily average balance below RM1,000.00. | RM10.00 for half yearly |
| Service charge on Business Current and Overdraft Accounts with daily average balance below RM1,000.00. | RM20.00 for half yearly | |
| (Service charge is exempted for Government accounts) | ||
| 3. | Service charge on AllianceSave Accounts | RM15.00 half yearly (regardless of balance) |
| 4. | Service charge on Alliance Hybrid Accounts with Cheque Book Facilities | RM15.00 half yearly (regardless of balance) |
| 5. | Handling charges on representing cheques | RM50.00 per cheque |
| 6. | Charges for cheques dishonoured due to insufficient funds | A penalty charge of RM150.00 shall be imposed by the Bank on each cheque |
| 7. | Service charge for stopped payment | RM15.00 per cheque |
| RM150.00 if countermanded cheque is returned due to interalia insufficient funds | ||
| 8. | Cancellation of stopped payment instruction | RM10.00 per cheque |
| 9. | Service charge for cheques returned due to post dated cheque | A service charge of RM10.00 shall be charged on the payee for each post-dated cheque returned (applicable to collecting bank) |
| 10. | Service charge for 3rd party cash cheque encashment | RM2.00 per transaction |
| 11. | Cheque book not collected after 30 days of issuance | RM10.00 per cheque book |
| 12. | Stamp duty on cheque books | A government stamp duty of RM0.15 per cheque leaf shall be charged to the account upon issuance of a cheque book |
| 13. | Service charge request for Statement, Duplicate Document e.g. cheques, expired guarantee, bills, etc. | (i) Retrieval fees of RM5.00 plus RM1.00 per page of statement if printed from system (up to 3 months) or photocopy of other documents |
| (ii) Retrieval fee of RM20.00 plus RM1.00 per page of statement if reproduced from microfiche plus out-of-pocket expenses (for more than 3 months) | ||
| (iii) Retrieval fee of RM20.00 plus RM5.00 per document if it is obtained from branch | ||
| (iv) Retrieval fee of RM30.00 plus RM10.00 per document if it is obtained from our warehouse/remote location | ||
| (v) Service charge of RM5.00 per GST tax invoice printed (customer may also obtain GST tax invoice at no charge via allianceonline). | ||
| 14. | Service charge on auditors confirmation | (i) RM25.00 for current financial year |
| (ii) RM100.00 for other request (i.e. previous financial year) | ||
| Service charge on auditors confirmation for Commercial (business) account (charges apply for all types of business Current Account, effective 1st April 2009) |
(i) RM30.00 - audit confirmation on account as at a date which is no more three (3) months from date of request. | |
| (ii) RM50.00 - audit confirmation on account as at a date which is between four (4) to twelve (12) months from date of request. | ||
| (iii) RM100.00 - audit confirmation on account as at a date which exceeds twelve (12) months from date of request. | ||
| 15. | Service charges on opening of account | No charges effective 15 May 2018 |
| 16. | Service charge on closing of Savings Account | (i) Closed within 3 months from date of opening of account: RM20.00 |
| (ii) Closed after 3 months from date of opening of account: RM10.00 | ||
| (iii) Closed after 3 months from date of opening of account (Basic Savings Account Only): No Charges | ||
| (iv) Closed within 6 months from date of opening of account (Alliance My eSaving Account Only): RM20.00 | ||
| (v) Closed after 6 months from date of opening of account (Alliance My eSaving Account Only): No Charges | ||
| 17. | Service charge on closing of Current/ODP Account | (i) Closed within 3 months from date of opening of account: RM20.00 |
| (ii) Closed after 3 months from date of opening of account: RM10.00 | ||
| (iii) Closed after 3 months from date of opening of account (Basic Current Account Only): No charge | ||
| Service charge on closing of Commercial (business) Current/ODP Account (charges apply for all types of business Current Account, effective 1st April 2009) |
(i) Closed within 3 months from date of opening of account: RM30.00 | |
| (ii) Closed after 3 months from date of opening of account: RM20.00 | ||
| 18. | Service charge on issuance of duplicate Savings Account passbook that are worn out or defaced | RM10.00 |
| 19. | Loss of Fixed Deposit certificate/receipt | RM10.00 stamp duty for Letter of Indemnity |
| RM5.00 replacement of FD receipt | ||
| 20. | Service charge on changing coins/notes (for bulk changing) (charges apply for all types of business Current Account) |
Coins |
| Minimum: RM5.00 plus 0.50% on the amount per bag (same denomination or standard bag) |
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| For loose coins Less than RM100.00: No charge |
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| > RM100.00 to RM1,000.00: RM5.00 | ||
| > RM1,000.00: Additional RM5.00 on every RM1,000.00 | ||
| Notes | ||
| Single denomination: No charge | ||
| 2 denominations & above: RM5.00 | ||
| 21. | Service charge on coins deposits (charges apply for all types of business Current Account) |
Up to RM100.00: No charge |
| > RM100.00 to RM1,000.00: RM5.00 | ||
| RM1,000.00: Additional RM5.00 on every RM1,000.00 | ||
| Service charge on Bulk Cash Deposit (charges apply for all types of business Current Account) |
Free of Charge: For first 1,000 pieces, irrespective of denomination. | |
| RM5.00 per 1,000 pieces or part thereof, irrespective of denomination. | ||
| Max: subject to a maximum of RM500.00 per deposit | ||
| 22. | Postage and handling charges on warning letters (on returned cheque, DCHEQS letter, excess of current account) | RM10.00 flat |
| 23. | Postage charges on cheque books sent by courier | RM10.00 or actual courier charges, whichever is higher |
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a. For Personal Cheque Book b. For Company Cheque Book |
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| 24. | Account number selection | Service charge of RM50.00 for choosing desired available account number |
| 25. | Service charge for endorsement of the status of company's account to be attached together with tender submission | RM20.00 per account |
| 26. | Service charge on confirmation on authorised cheque signatories for the renewal of Pusat Khidmat Kontraktor license | RM20.00 per account |
| 27. | Cheque processing fee Effective 2 January 2015, RM0.50 will be levied to the drawer or issuer of the cheque or his account whenever a cheque is received by the Bank for processing, whether for encashment over the counter or for depositing into an account. |
RM0.50 per cheque leaf |
| 28. | Service charge on Over-The-Counter (OTC) cash deposit & withdrawal transaction (RM5,000 and below) | RM2.00 per transaction. Note: Not applicable to following account:
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| 29. | Service charge on dormant account | |
| i. Account balance less than or equal RM10.00 | The balance will be absorbed as a service fee and thereafter the Bank will proceed to close the account. | |
| ii. Account balance is more than RM10.00 | Dormant Service Fee of RM10.00 will be imposed annually until seventh (7th) year. If the balance of the account falls below RM10.00, item (i) above will apply. | |
| Contents | Bank charges | ||
| 1. | Monthly subscription fee - Transactional Module | RM5.00 per month | |
| 2. | Security Token: | ||
| (i) | Setup & Handling Fees (including Courier Charges) | No charge | |
| (ii) | Security Token (Mobile Token & Hardware Token) | Waived for 1 unit of Mobile Token. RM70 for each additional Security Token. | |
| (iii) | Annual Digital Certificate Renewal fee | Waived for 1st year. RM50 per unit yearly. | |
| Contents | Bank charges | ||
| 1. | Monthly subscription fee - Inquiry Module | Free | |
| 2. | Monthly subscription fee - Transactional Module | RM30 per month | |
| 3. | Security Token: | ||
| (i) | Setup & Handling Fees (including Courier Charges) | No charge | |
| (ii) | Security Token (Mobile Token & Hardware Token) | Waived for 2 units of Mobile Token. RM70 for each additional Security Token. | |
| (iii) | Annual Digital Certificate Renewal fee | Waived for 1st year. RM50 per unit yearly. | |
| 4. | Mode of Profile Maintenance: | ||
| (i) | Self Manage | No charge | |
| (ii) | Bank Manage | RM100 yearly | |
| Type of Transaction | Description | Transaction Charges (RM) |
| 1. Single Transaction (Online via BizSmart) | ||
| Intrabank Transfer | ABMB to ABMB | FOC |
| Interbank IBG (GIRO) | ABMB to IBG participating banks | 0.10 |
| DuitNow Transfer Pay-to-Account Number Pay-To-Proxy |
ABMB to DuitNow participating banks | FOC |
| RENTAS | ABMB to RENTAS participating banks |
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| 2. Bulk Payment and Payroll | ||
| Intrabank Transfer Interbank IBG (GIRO) RENTAS |
ABMB to ABMB ABMB to IBG participating banks ABMB to RENTAS participating banks
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0.50 1.00 2.00 5.00 |
| 3. Transaction SMS Notification | RM0.20 per SMS | |
| Contents | Bank charges | |||
| 1. | Securities Shares held as security for pledged accounts |
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| (i) | Receipt Fees | RM10.00 per counter | ||
| (ii) | Withdrawal Fees | 0.050% of market value Minimum: RM10.00 Maximum: RM1,000.00 |
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| (iii) | Yearly service charge | RM5.00 per counter per annum, payable in advance | ||
| (iv) | Dividend Payment | 1.0% of net dividend amount Minimum: RM10.00 |
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| (v) | Proxy Voting | RM50.00 per proxy | ||
| (vi) | Bonus Issue | RM20.00 per counter | ||
| (vii) | Rights Issue | RM75.00 per issue | ||
| (viii) | External Fees To Bursa Malaysia Depository Sdn Bhd: |
To be borne by the customer | ||
| - | CDS account opening fee | RM10.00 per account opening | ||
| - | Transfer fee | RM10.00 per transfer (irrespective of the quantity or value of the security) | ||
| - | CDS maintenance fee | 4.00 sen per 1,000 shares per annum based on the average monthly closing balance of accounts (charged quarterly) | ||
| - | Dormant account reactivation fee | RM5.00 per account | ||
| - | Withdrawal fee | RM15.00 per 1,000 shares or part thereof | ||
| - | Deposit fee | RM10.00 per certificate | ||
| - | Statement of account fee | RM1.00 per page or part thereof up to 100 pages | ||
| 30 sen per page above 100 pages | ||||
| To Share Registrar: | ||||
| - | Stamp duty on rights subscription form on acceptance | RM10.00 stamp duty | ||
| - | Stamp duty on Letter of Indemnity (Loss of dividend cheques/replacement of subsidiary income tax certificate) | RM10.00 stamp duty | ||
| (ix) | Issue duplicate/replacement of subsidiary income tax certificate (SITC) | RM10.00 per SITC | ||
| (x) | Conversion/Consolidation/Cash offer/General offer exercise/Share acquisition | RM20.00 per exercise | ||
| (xi) | Registration of unquoted shares in the name of Bank's Nominee Company | 0.1% of par value of shares Minimum: RM5.00 Maximum: RM500.00 |
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| Contents | Bank charges | ||
| 1. | Cashier's Order (CO) | ||
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(i) Ordinary Cashier's Order Effective 2 January 2015, RM0.50 cheque processing fee will be levied to the applicant of a cashier's order at the time of application in addition to the stamp duty and commission collected by the bank. |
RM5.00 (effective 1 June 2018) Stamp duty RM0.15 Cheque processing fee of RM0.50 per cheque |
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| (ii) Cashier's Order for MIDF/MIH Share Issue | RM5.00 (effective 1 June 2018) Stamp duty RM0.15 No charge and waiver of stamp duty for account holders |
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| (iii) Replacement of lost/stolen/default and damaged Cashier's Orders | Service charge of RM10.00 The appropriate stamp duty on the Letter of Indemnity for reported lost Cashier's Order is to be borne by the customer |
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| (iv) Repurchase of Cashier's Order | RM5.00 except for Cashier's Order issued for new share applications | ||
| 2. | Demand Draft (DD) | ||
| (i) Demand Draft in Foreign Currency payable overseas | Flat rate of RM2.00 per item for whatever draft amount | ||
| (ii) Cancellation and refund/repurchase of Foreign Currency Demand Draft | Foreign currency draft is cancelled and repurchased at the day's buying OD Rate of the foreign currency or the original currency quoted rate, whichever is lower (If the original quoted rate was a contracted/special rate, please refer to Forex Department, Head Office). Applicant to bear the cost of "Stop Payment", which is charged by the correspondent bank | ||
| A service charge of RM10.00 is levied for each repurchase of foreign currency Demand Draft | |||
| (iii) Replacement of lost/stolen/default and damaged Demand Drafts (Foreign Currency) | RM10.00 excluding cable charges and correspondent charges. Applicant to bear the cost of "Stop Payment", which is charged by the correspondent bank | ||
| (iv) Cost of "Stop Payment" charged by Correspondent Bank | Applicant to bear cost of cable and the processing cost as imposed by the correspondent bank | ||
| 3. | Telegraphic Transfer (TT) | ||
| (i) Telegraphic Transfer in Foreign Currency payable overseas | Minimum of RM2.00 per telegraphic transfer for whatever TT amount plus cost of cable incurred |
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| List of cable charges: | |||
| USD | RM25.00 | ||
| IDR, THB, PHP & BND | RM13.50 | ||
| SGD | RM7.50 | ||
| Other currencies | RM25.00 | ||
| (ii) Incidental expenses on Remittances | Commission and actual out of pocket expenses e.g. postage, telephone, fax charges. Stamp duty | ||
| 4. | Transfers of RM Funds through BNM/Rentas | ||
| (i) For transfer (through RENTAS subject to minimum RM10,000.00) | Service charge of RM5.00 for each transaction (Applicable to Individuals & SME only) |
||
| Service charge of RM8.00 for each transaction (All others EXCEPT for individuals & SME) |
|||
| 5. | Transfers of RM Funds through Interbank GIRO | ||
| (i) For fund transfer through Interbank GIRO | A flat fee of RM2.00* per transaction irrespective of the amount transferred | ||
| * No charge for all Senior Citizens aged from 60 onwards (customer's age is confirmed via Mykad verification) | |||
| * No charge for all disabled person (verified by sighting their OKU card) | |||
| For BCA & BSA the 1st. two GIRO transaction, charge at RM0.50 per transaction | |||
| 6. | Transfers of RM Funds within Alliance Bank | ||
| (i) For fund transfer within Alliance Bank | No charge | ||
| 7. | Collection of Coupons | ||
| (i) Whether cut from bonds in our possession or handled in by clients | Commission of 0.03% flat on aggregate face amount | ||
| Minimum: RM0.50 | |||
| Maximum: RM30.00 | |||
| Insurance, postage and any other related expenses will be for customer's account | |||
| 8. | Negotiable Certificate of Deposits (NCD) | ||
| (i) Charges for splitting of NCDs | RM2.00 per new certificate | ||
| 9. | Cash2Home & Alliance Online Foreign Remittance | ||
| Countries | Cash Pickup Mode | Total Selling Fee (RM) | |
| Bangladesh | Account Credit | 12.00 | |
| Cash Pickup | 12.00 | ||
| Sri Lanka | Account Credit | 16.00 | |
| Cash Pickup | 16.00 | ||
| Indonesia | Account Credit | 9.00 | |
| Cash Pickup | 16.00 | ||
| Philippines | Account Credit | 13.00 | |
| Cash Pickup | 16.00 | ||
| Nepal | Account Credit | 13.00 | |
| Cash Pickup | 13.00 | ||
| Thailand | Account Credit | 18.00 | |
| India | Account Credit | 11.00 | |
| Vietnam | Account Credit | 15.00 - 35.00 (depending on the transaction) |
|
| Cash Pickup | 15.00 - 35.00 (depending on the transaction) |
||
| Myanmar | Cash Pickup | 15.00 - 40.20 (depending on the transaction) |
|
| Pakistan | Account Credit | 15.00 | |
| Cash Pickup | 15.00 | ||
| Contents | Bank charges | |
| 1. | SDB break-in charges (replacement of SDB keys) |
Minimum of RM200.00 per key or actual replacement cost and labour charges to re-open the SDB, whichever is higher |
| 2. | SDB key deposits | A key deposit of RM200.00 (new account) shall be levied, which shall be refundable on return of the keys upon termination of the lease. This key deposit is no longer refundable once the keys have been reported lost |
| 3. | Safe deposit rental | Rental rates vary amongst branches (depending on size of box) |
| Contents | Bank charges | |||
| 1. | Payment Orders and Periodical Payments | |||
| (i) | Payment Orders: | |||
| a. | Own account Internal Transfer to own account within the Bank |
No charge | ||
| b. | 3rd party account Internal Transfer to 3rd party account within the Bank |
RM2.00 per transaction | ||
| c. | Payroll services/salary accounts (within the Bank, payment contra against employer's account over the counter) | RM5.00 per employee account for transaction over the counter | ||
| d. | To other banks (including salary credits) | RM5.00 per transaction plus actual out-of-pocket expenses | ||
| (ii) | Periodical Payments (Standing Order) | |||
| a. | Credit of accounts maintained with the same branch | Flat rate of RM2.00 | ||
| Service charge waived for standing orders (including via AFT) for repayment of loan accounts with the Bank | ||||
| b. | Payable to firms, private individuals and other bodies | Flat rate of RM2.00 plus actual out-of-pocket expenses | ||
| c. | To Banks for the account of 3rd party | Flat rate of RM2.00 plus actual out-of-pocket expenses | ||
| (iii) | Periodical Payments (Standing Order) Payable outside clearing area/zone |
Charges according to mode of payment plus postage or cable charges, where applicable | ||
| (iv) | Automatic Funds Transfer (AFT) | A service charge of RM2.00 is to be levied on each cycle of a periodical payment and/or standing instruction irrespective of whether the payment instruction is effected or not effected due to insufficient fund | ||
| In addition, the normal remittance commission and other incidental expenses should also be levied | ||||
| This service charge is waived on all standing instruction for crediting into a Loans Account | ||||
| Contents | Bank charges | |||
| 1. | Inward Bill for Collections (IC) | |||
| 1.1 | Documentary Bills in Malaysian Ringgit or Foreign Currency | 0.1% flat on invoice value plus actual cost | ||
| Minimum: | RM50.00 | |||
| Maximum: | RM100.00 (Foreign currency) | |||
| RM500.00 (Local currency) | ||||
| 1.2 | Bills dishonoured/Snag bills | RM50.00/USD20.00 per month or part thereof if bill remains unpaid for more than 60 days after due date/ first presentation plus actual cost and correspondent charges, if any. | ||
| Representation commission: RM10.00 plus actual cost | ||||
| 1.3 | Dishonour advice to Remitting Bank | RM10.00 plus actual cost | ||
| 1.4 | Tracer | RM10.00 per tracer | ||
| 1.5 | IC Acceptance | RM50.00/ USD25.00 | ||
| 2. | Letter of Credit (LC) | |||
| 2.1 | (i) Issuance commission | 0.1% per month or part thereof/as per Letter of Offer (LO) on the LC amount plus actual cost and correspondent charges, if any. Minimum: RM100.00 | ||
| (ii) Usance commission | 0.1% per month or part thereof on the LC amount for the usance period plus actual cost. Minimum: RM100.00 | |||
| (iii) Back to Back Letter of Credit | 0.1% per month or part thereof/as per LO on the LC amount plus actual cost and correspondent charges, if any. Minimum : RM200.00 | |||
| (iv) Over the Counter Letter of Credit (OTCLC) | 0.125%* per month or part thereof on the LC amount plus actual cost and correspondent charges, if any. *Minimum of RM100.00 chargeable and non-refundable (to be collected upfront) Handling fees (per transaction) SME : RM100.00 Non-SME: RM200.00 |
|||
| 2.2 | Issuance of LC through SWIFT | Within Malaysia: RM50.00 | ||
| Other Countries: RM100.00 | ||||
| 2.3 | Amendments | |||
| (i) Amendment charges | RM50.00 | |||
| (ii) Amendments to our LC for extension/increase in value | 0.1% per month or part thereof for the extended period/ incremental value plus actual cost and correspondent charges, if any. Minimum: RM50.00 |
|||
| 2.4 | Discrepancy Fee | RM100.00/USD60.00 equivalent | ||
| 2.5 | Commission on expired LC/ overdrawn | Minimum: RM100.00/USD35.00 | ||
| 3. | Guarantees | |||
| 3.1 | Issuance of Shipping Guarantee (SG) | 0.1% flat on invoice value | ||
| Minimum: | RM100.00 (under Letter of Credit) | |||
| RM200.00 (under Inward Bill for Collections) | ||||
| 3.2 | Shipping Guarantee not returned after 3 months from date of issuance | 0.05% per month on invoice value | ||
| Minimum: | RM50.00 per month, until SG is returned for cancellation | |||
| 3.3 | Issuance of Bank Guarantee (BG) | 0.1% per month or part thereof plus actual cost | ||
| Minimum: | RM100.00 | |||
| 3.4 | Issuance of Over the Counter Bank Guarantee (OTC BG) | 0.1%* to 0.15%* per month depending on BG tenor plus actual cost *Minimum of RM100.00 chargeable and non-refundable (to be collected upfront) Handling fees (per transaction) SME : RM100.00 Non-SME: RM200.00 |
||
| 3.5 | Amendments | |||
| (i) Amendments charges | RM50.00 | |||
| (ii) Amendment for BG extension / increase amount | 0.1% p.m. or part thereof for the extended period/incremental value plus actual cost Minimum: RM50.00 |
|||
| 3.6 | Replacement for lost Guarantee | RM50.00 plus actual cost | ||
| 3.7 | Tracer | RM50.00 (except SME) | ||
| 3.8 | Standby Letter of Credit (SBLC) | 0.1% per month or part thereof/as per LO on the SBLC amount plus actual cost and correspondent charges, if any. Minimum: RM100.00 | ||
| 4. | Outward Bills for Collections (EC) | |||
| 4.1 | Commission | 0.1% on invoice value plus actual cost | ||
| Minimum: | RM50.00 | |||
| Maximum: | RM100.00 (Foreign currency) | |||
| RM500.00 (Local currency) | ||||
| 4.2 | Snag Bills | If Bill remains unpaid for more than 60 days after due date/ first presentation, holding charge of RM50.00 per month or part thereof will be charged from the third month onwards | ||
| 4.3 | LC Checking Fee | RM50.00 | ||
| 4.4 | LC Reimbursement | RM50.00 | ||
| 4.5 | Tracer | RM30.00 (Foreign currency) RM10.00 (Local currency) |
||
| 4.6 | Usance EC Acceptance | RM10.00 | ||
| 5. | Inward Letter of Credit (EL) | |||
| 5.1 | Advising commission | RM50.00 flat plus actual cost (Customer) RM70.00 flat plus actual cost (Non-Customer) |
||
| 5.2 | Advising LC amendment | RM50.00 flat plus actual cost (Customer) RM70.00 flat plus actual cost (Non-Customer) |
||
| 5.3 | LC Confirmation commission | 0.1% p.m. or part thereof/as per LO on the LC amount plus actual cost and correspondent charges, if any Minimum: RM100.00 Usance commission: 0.1% p.m. or part thereof on the LC amount for the usance period plus actual cost Minimum: RM100.00 |
||
| 5.4 | Transferable Letter of Credit commission | 0.1% per month on the amount transferred plus actual cost Minimum: RM100.00 Handling fee: Minimum: RM100.00 Maximum: RM500.00 |
||
| 6. | Trade Loans | |||
| 6.1 | Banker Acceptance (BA) | |||
| (i) Acceptance Commission | As per LO Min: RM100.00 |
|||
| (ii) Face value less than RM100,000 | Handling fee: RM50.00 | |||
| (iii) Bunching Fee (3 & above invoices) | Handling fee: RM50.00 | |||
| 6.2 | Trust Receipt (TR) | |||
| (i) Commission (Open account trade settlement) |
0.1% on invoice value Minimum: RM50.00 Maximum: RM100.00 (Foreign currency) RM500.00 (Local currency) |
|||
| 6.3 | Foreign Currency Trade Loan (FCTL)/Promissory Note (PN) | |||
| (i) Commission (Open account trade settlement) |
0.1% on invoice value Minimum: RM100.00 Maximum: RM300.00 |
|||
| 6.4 | Export Bills Purchased (EP)/Export Negotiation(EN)/Outright Purchase/Forfaiting | |||
| (i) Commission | 0.1% on invoice value plus actual cost Minimum: RM50.00 Maximum: RM100.00 (Foreign currency) RM500.00 (Local currency) |
|||
| 6.5 | Export Credit Refinancing (ECR) | |||
| Processing fee per transaction: | ||||
| (i) Pre-shipment Lodgement/roll-over/drawdown/partial liquidation/early discharge/redemption | RM10.00 | |||
| (ii) Post-shipment Refinancing/partial liquidation/early discharge/redemption | RM10.00 | |||
| (iii) ECR Domestic Purchase Order(DPO)/Local Purchase Order(LPO) charges | 0.05% on the value Minimum: RM50.00 Maximum: RM500.00 |
|||
| (iv) ECR Domestic LC(DLC) charges | 0.05% on the value Minimum: RM50.00 Maximum: RM500.00 |
|||
| 7. | General – Local | |||
| 7.1 | Commission in lieu of Exchange (Import Bills) | 0.1% flat on the invoice value | ||
| Minimum: | RM50.00 | |||
| Maximum: | RM200.00 | |||
| 7.2 | Postage/Fax/Email | RM5.00 (non-financing product) | ||
| RM10.00 (financing product) | ||||
| 7.3 | Rentas | RM8.00 | ||
| 7.4 | Interbank GIRO | RM2.00 | ||
| 7.5 | Telecommunication (SWIFT) | RM35.00 (Local currency) USD30.00 (Foreign currency) |
||
| 7.6 | Courier | Peninsula Malaysia: | RM25.00 | |
| East Malaysia: | RM30.00 | |||
| Other countries: | Relevant courier charges apply | |||
| Trade Products | Transaction type | Transaction cut-off time | |
| 1. | Financing and Non-Financing Products (Exclude ECR) | Involving Rentas payment | 12.00 pm |
| Involving Swift payment | 2.00 pm | ||
| Other payment/ trade applications | 3.00 pm | ||
| 2. | Export Credit Refinancing (ECR) | All types | 10.30 am |
| 3. | Import/Export documents | With/without document checking | 2.00 pm |
| Contents | Bank charges | |||
| 1. | Share Margin Financing/Portfolio Financing Initial Cost | |||
| a. | CDS account opening fee | RM10 | ||
| b. | Nominal stamp duty | RM50 | ||
| Contents | Bank charges | |||
| 1. | Share Trading Account initial cost | |||
| a. | CDS account opening fee | RM10 | ||
| b. | Nominal stamp duty (if ABMB FD is pledged) | RM20 | ||
| 2. | T+7 Trading Account Pick up Fee | 0.30% flat of P contract OR RM10.00 (whichever higher), on any outstanding Purchase Contract NOT settled or sold by T+3. If customer contra OR settle P Contract latest by T+3, NO "pick up" fee is charged. | ||
| 3. | Collateralised Trading Account Contra Charges (when P contract is forced sold on T+3) |
11.0% p.a. on purchase amount from T+3 onwards (charges will be calculated on calendar days after T+2) | ||
| 4. | Collateralised Trading Account Overdue Purchase Interest (when Purchase contract is settled or picked up after Bursa settlement date) |
12% p.a. on purchase amount (interest will be calculated on calendar day after T+2) | ||
| Contents | Bank charges | ||||||||||||||||
| 1. | Shared Brokerage Fee |
|
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| 2. | Corporate Action fee: (handling fees for rights/bonus share issue/dividend etc) | ||||||||||||||||
| a. | Subscription of rights & Conversion of Securities | RM10 (Stamp Duty) | |||||||||||||||
| RM10.00 (Service Charge) + courier charge | |||||||||||||||||
| Any other charges i.e. debiting & crediting charges by the registrars | |||||||||||||||||
| b. | Take over offer | Redemption/Conversion Amount/Value RM10.00 (Service Charge) |
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| RM10.00 (Share Transfer out) + courier charge | |||||||||||||||||
| c. | Cash Dividend | RM2.50 and below : no charges | |||||||||||||||
| RM2.51 to RM100 : RM2.50 | |||||||||||||||||
| >RM100 : RM5.00 | |||||||||||||||||
| d. | Execution of proxy form | RM5.00 per proxy form + RM7.50 courier charges (Total RM12.50) | |||||||||||||||
| 3. | Share Withdrawal & handling charges for deceased account | Share withdrawal as per transfer out shares charges: | |||||||||||||||
| Handling charges RM50.00 | |||||||||||||||||
| Bursa Depository processing fee RM50.00 | |||||||||||||||||
| 4. | Share Transfer-ln | Bursa Depository charges RM10.00 per counter to be absorbed (rebate to customer) subject to transfer-in of shares with minimum market value of RM3,000 per counter. | |||||||||||||||
| 5. | Share Transfer-Out | Bursa Depository charges RM10.00 per counter. | |||||||||||||||
| Handling fees RM10.00 per request per counter. | |||||||||||||||||
| 6. | Excesses charges | Minimum RM10.00 or BLR+3.5% (only apply when account is overdrawn). | |||||||||||||||
| 7. | SMF change of broker/remisier fee | RM35.00 | |||||||||||||||
| 8. | Cash drawndown fee (by Cashier's Order) |
RM10.00 | |||||||||||||||
| 9. | Fund transfer fee | RM20.00 for inter-bank transfer | |||||||||||||||
| 10. | Closing account fee | RM10.00 | |||||||||||||||
| 11. | Statement retrieval fee | RM5.00 plus RM1.00 per page of statement if printed from branch's system (up to 3 months) | |||||||||||||||
| RM20.00 plus RM1.00 peer page of statement if reproduced from Saperion/Microfiche (for 3 to 12 months) | |||||||||||||||||
| RM20.00 plus RM5.00 per document if it is obtained from branch | |||||||||||||||||
| RM30.00 plus RM10.00 per document if it is obtained from warehouse /remote location | |||||||||||||||||
| RM20.00 per set - for certification of tender form/PKK/PMS/PUKONSA/CIDB. | |||||||||||||||||
| RM20.00 per set - for request for certification "Certified True Copy" for education, EPF withdrawal or application for Visa only | |||||||||||||||||
| RM50.00 per set - for request for certification "Certified True Copy" for business and other purposes | |||||||||||||||||
| 12. | Transportation/courier charges | RM7.50 for Peninsular Malaysia | |||||||||||||||
| RM13.50 for East Malaysia | |||||||||||||||||
| RM16.00 for Singapore | |||||||||||||||||
