| Contents | Bank charges | ||
| 1. | Alliance My eSaving Debit Card-i / Junior Debit Card-i | ||
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RM8.00 | ||
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RM8.00 | ||
| 2. | Alliance Hybrid Standard, AP Platinum & PB Platinum Debit Card-i | ||
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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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No charge | ||
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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 new credit applications | Fees may be imposed on case-to-case basis. (Not applicable to companies classified as SME as per the definition by Bank Negara). |
| 2. | Late payment charges | In the event of default/non-payment during the tenure of the Facility and up to the maturity date of the Facility, the customer shall pay late payment charges as compensation (ta’widh) at the Bank’s actual cost up to 1% per annum or such other maximum rate prescribed by Bank Negara Malaysia on the overdue amount accruing from the due date up to the date of settlement. In the case of default causing the entire Facility to be recalled or brought to court for judgement prior to the maturity date of the Facility, the customer shall pay late payment charges as compensation (ta’widh) at the Bank’s actual cost up to 1% per annum or such other maximum rate prescribed by Bank Negara Malaysia on the outstanding balance (outstanding principal and accrued profit) accruing from the due date up to the date of settlement or judgement (whichever is earlier). In the event of default/non-payment after the maturity date of the Facility, the Bank shall collect late payment charges as compensation (ta’widh) at the Bank’s actual cost up to the prevailing daily overnight Islamic Interbank Money Market (IIMM) rate prescribed by Bank Negara Malaysia on the outstanding balance (outstanding principal and accrued profit) from the due date up to the date of settlement. In the event of default causing the Facility to be recalled and brought to court for judgement, the customer shall pay late payment charges as compensation (ta’widh) at the current prevailing IIMM rate prescribed by Bank Negara Malaysia on the outstanding balance (which excludes outstanding uncollected late payment charges and other costs prior to judgement) from the date of judgement until the judgement sum is fully settled. Notwithstanding the above, the amount of compensation shall not be compounded. |
| Contents | Bank charges | |
| 1 | Redemption Statements | RM50.00 for issuance of first redemption statement and RM50.00 for each subsequent redemption statement issued by the Bank. |
| 2 | EPF withdrawal statement | RM50.00 for issuance of first statement and RM50.00 for each subsequent statement issued by the Bank. |
| 3 | Photocopies of documents | RM20.00 for the first photocopy of a document and RM10.00 for each subsequent photocopy of a document (examples of documents: title deed, charge document, guarantee, letter of offer, sale & purchase agreement). |
| 4 | Request for financing statement (Adhoc basis) | RM5.00 for the first page and RM1.00 for subsequent pages. |
| 5 | Late payment charges | In the event of default/non-payment during the tenure of the Facility and up to the maturity date of the Facility, the customer shall pay late payment charges as compensation (ta’widh) at the Bank’s actual cost up to 1% per annum or such other maximum rate prescribed by Bank Negara Malaysia on the overdue amount accruing from the due date up to the date of settlement. In the case of default causing the entire Facility to be recalled or brought to court for judgement prior to the maturity date of the Facility, the customer shall pay late payment charges as compensation (ta’widh) at the Bank’s actual cost up to 1% per annum or such other maximum rate prescribed by Bank Negara Malaysia on the outstanding balance (outstanding principal and accrued profit) accruing from the due date up to the date of settlement or judgement (whichever is earlier). In the event of default/non-payment after the maturity date of the Facility, the Bank shall collect late payment charges as compensation (ta’widh) at the Bank’s actual cost up to the prevailing daily overnight Islamic Interbank Money Market (IIMM) rate prescribed by Bank Negara Malaysia on the outstanding balance (outstanding principal and accrued profit) from the due date up to the date of settlement. In the event of default causing the Facility to be recalled and brought to court for judgement, the customer shall pay late payment charges as compensation (ta’widh) at the current prevailing IIMM rate prescribed by Bank Negara Malaysia on the outstanding balance (which excludes outstanding uncollected late payment charges and other costs prior to judgement) from the date of judgement until the judgement sum is fully settled. Notwithstanding the above, the amount of compensation shall not be compounded. |
| Contents | Bank charges | |
| 1 | Early Settlement Fee | Nil |
| 2 | Late payment charges | In the event of default/non-payment during the tenure of the Facility and up to the maturity date of the Facility, the customer shall pay late payment charges as compensation (ta’widh) at the Bank’s actual cost up to 1% per annum or such other maximum rate prescribed by Bank Negara Malaysia on the overdue amount accruing from the due date up to the date of settlement. In the case of default causing the entire Facility to be recalled or brought to court for judgement prior to the maturity date of the Facility, the customer shall pay late payment charges as compensation (ta’widh) at the Bank’s actual cost up to 1% per annum or such other maximum rate prescribed by Bank Negara Malaysia on the outstanding balance (outstanding principal and accrued profit) accruing from the due date up to the date of settlement or judgement (whichever is earlier). In the event of default/non-payment after the maturity date of the Facility, the Bank shall collect late payment charges as compensation (ta’widh) at the Bank’s actual cost up to the prevailing daily overnight Islamic Interbank Money Market (IIMM) rate prescribed by Bank Negara Malaysia on the outstanding balance (outstanding principal and accrued profit) from the due date up to the date of settlement. In the event of default causing the Facility to be recalled and brought to court for judgement, the customer shall pay late payment charges as compensation (ta’widh) at the current prevailing IIMM rate prescribed by Bank Negara Malaysia on the outstanding balance (which excludes outstanding uncollected late payment charges and other costs prior to judgement) from the date of judgement until the judgement sum is fully settled. Notwithstanding the above, the amount of compensation shall not be compounded. |
| Contents | Bank charges | |
| 1 | Processing Fee | No charge |
| 2 | Early Settlement Fee | No charge |
| 3 | Late payment charges | In the event of default/non-payment during the tenure of the Facility and up to the maturity date of the Facility, the customer shall pay late payment charges as compensation (ta’widh) at the Bank’s actual cost up to 1% per annum or such other maximum rate prescribed by Bank Negara Malaysia on the overdue amount accruing from the due date up to the date of settlement. In the case of default causing the entire Facility to be recalled or brought to court for judgement prior to the maturity date of the Facility, the customer shall pay late payment charges as compensation (ta’widh) at the Bank’s actual cost up to 1% per annum or such other maximum rate prescribed by Bank Negara Malaysia on the outstanding balance (outstanding principal and accrued profit) accruing from the due date up to the date of settlement or judgement (whichever is earlier). In the event of default/non-payment after the maturity date of the Facility, the Bank shall collect late payment charges as compensation (ta’widh) at the Bank’s actual cost up to the prevailing daily overnight Islamic Interbank Money Market (IIMM) rate prescribed by Bank Negara Malaysia on the outstanding balance (outstanding principal and accrued profit) from the due date up to the date of settlement. In the event of default causing the Facility to be recalled and brought to court for judgement, the customer shall pay late payment charges as compensation (ta’widh) at the current prevailing IIMM rate prescribed by Bank Negara Malaysia on the outstanding balance (which excludes outstanding uncollected late payment charges and other costs prior to judgement) from the date of judgement until the judgement sum is fully settled. Notwithstanding the above, the amount of compensation shall not be compounded. |
| 4 | Stamp Duty (as per the Stamp Duty Act 1949 (revised 1989) | 0.5% on the total approved financing amount, which shall be deducted from the facility. |
| Contents | Bank charges | |
| 1 | Service charge on consumer current account / current account-i with daily average balance below RM1,000.00. | RM10.00 for half yearly |
| 2 | Service charge on commercial (business) current accounts / current account-i with daily average balance below RM1,000.00. (charges apply for all types of business Current Account, effective 1st April 2009) (No charge for Government current account-i) | RM20.00 for half yearly |
| 3 | Over-the-counter charge on Alliance My eSavings Accounts / My eSavings Account-i | RM5.00 per transaction |
| 4 | Handling charges on representing cheques | RM50.00 per cheque |
| 5 | Charge for dishonoured cheque due to insufficient funds | RM150.00 on each dishonoured cheque. |
| 6 | Service charge for stopped payment | RM15.00 per cheque |
| RM150.00 if countermanded cheque is returned due to inter alia insufficient funds | ||
| 7 | Cancellation of stopped payment instruction | RM10.00 per cheque |
| 8 | Service charge for returned cheque 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) |
| 9 | Service charge for 3rd party cash cheque encashment | RM2.00 per transaction |
| 10 | Cheque book not collected after 30 days of issuance | RM10.00 per cheque book |
| 11 | 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 |
| 12 | Service charge request for account 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 | ||
| Service charge for auditors’ confirmation (i) RM25.00 for current financial year (ii) RM100.00 for other request (i.e. previous financial year) |
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| 13 | 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. | ||
| 14 | Service charges on opening of account | No charges effective 15 May 2018 |
| 15 | Service charge on closing of Savings Account / Savings Account-i | (i) Closed within 3 months from date of opening of account: RM20.00 |
| (ii) Closed after 3 months from date of opening of account: No charge | ||
| (iii) Closed after 3 months from date of opening of account (Basic Savings Account / Basic Savings Account-i Only): No charge | ||
| (iv) Closed within 6 months from date of opening of account (Alliance My eSaving Account / Alliance My eSaving Account-i Only): RM20.00 | ||
| (v) Closed after 6 months from date of opening of account (Alliance My eSaving Account Only): No Charges (Alliance My eSaving Account / Alliance My eSaving Account-i Only): no Charge | ||
| 16 | Service charge for closure of consumer Current account/ ODP account/ Current account-i | (i) Closed within 3 months from date of opening of account: RM20 (ii) Closed after 3 months from date of opening of account: No charge (iii) Closed after 3 months from date of opening of account (Basic Current Account / Basic Current Account-i Only): No charge |
| 17 | Service charge for closure of commercial (business) Current/ ODP Account/ Current account-i (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: No charge |
| 18 | Service charge for issuance of duplicate Savings Account passbook that is worn out or defaced | RM10.00 |
| 19 | Loss of Fixed Deposit / Term Deposit-i certificate/receipt | RM10.00 stamp duty for Letter of Indemnity |
| RM5.00 replacement of FD / Term Deposit-i receipt | ||
| 20 | Service charge for changing coins/notes (for bulk changing) Note: Applicable to all types of business current accounts. |
Coins |
| Minimum: RM5.00 plus 0.50% on the amount per bag (same denomination or standard bag) | ||
| For loose coins | ||
| Less than RM100.00: No charge | ||
| > 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 for coin deposit (applicable to all types of business current accounts / current account-i) |
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 | ||
| 22 | Service charge on Bulk Cash Deposit (charges apply for all types of business current account / current account-i) |
For first 1,000 pieces (irrespective of denomination) - Free of charge. |
| Subsequent pieces - RM5.00 for every 1,000 pieces or part thereof irrespective of denomination, up to a maximum of RM500 per deposit. | ||
| 23 | Postage and handling charges on warning letters (on returned cheque, DCHEQS letter, excess of current account) | RM10.00 flat |
| 24 | Postage charges on cheque books sent by courier
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RM10.00 or actual courier charges, whichever is higher |
| 25 | Account number selection | Service charge of RM50.00 for choosing desired available account number |
| 26 | Service charge for endorsement of the status of a company's account to be attached together with tender submission | RM20.00 per account |
| 27 | Service charge for confirmation on authorised cheque signatories for the renewal of Pusat Khidmat Kontraktor license | RM20.00 per account |
| 28 | 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 |
| 29 | Service charge on Over-The-Counter (OTC) cash deposit & withdrawal transaction (RM5,000 and below) | RM2.00 per transaction. |
| Note: Not applicable to following accounts: Basic Savings Account Basic Savings Account-i; Basic Current Account Basic Current Account-i; e-Savings Account e-Savings Account-i; |
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| Contents | Bank charges | |||
| 1. | Inward Bill for Collections-i (IC-i) | |||
| 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-i Acceptance | RM50.00/ USD25.00 | ||
| 2. | Letter of Credit-i (LC-i) | |||
| 2.1 | (i) Issuance commission | 0.1% per month or part thereof/as per Letter of Offer on the LC-i 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-i amount for the usance period plus actual cost. Minimum: RM100.00 | |||
| (iii) Back to Back Letter of Credit-i | 0.1% per month or part thereof/as per Letter of Offer on the LC-i amount plus actual cost and correspondent charges, if any. Minimum : RM200.00 | |||
| (iv) Over the Counter Letter of Credit-i (OTCLC-i) | 0.125% per month or part thereof on the LC-i 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 |
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| 2.2 | LC-i through SWIFT | Within Malaysia: RM50.00 | ||
| Other Countries: RM100.00 | ||||
| 2.3 | Amendments | |||
| (i) Amendment charges | RM50.00 | |||
| (ii) Amendments to LC-i 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 |
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| 2.4 | Discrepancy Fee | RM100.00/USD60.00 equivalent | ||
| 2.5 | Commission on expired LC-i / overdrawn | Minimum: RM100.00/USD35.00 | ||
| 3. | Guarantees | |||
| 3.1 | Issuance of Shipping Guarantee-i (SG-i) | 0.1% flat on invoice value | ||
| Minimum: | RM100.00 (under LC-i) | |||
| RM200.00 (under IC-i) | ||||
| 3.2 | SG-i not returned after 3 months from date of issuance | 0.05% per month on invoice value | ||
| Minimum: | RM50.00 per month, until SG-i is returned for cancellation | |||
| 3.3 | Issuance Bank Guarantee-i (BG-i) | 0.1% per month or part thereof plus actual cost | ||
| Minimum: | RM100.00 | |||
| 3.4 | Issuance of Over The Counter BG-i (OTC BG-i) | 0.1% to 0.15% per month depending on BG-i 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 |
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| 3.5 | Amendments | |||
| (i) Amendments charges | RM50.00 | |||
| (ii) Amendment for BG-i extension / increase amount | 0.1% p.m. or part thereof for the extended period/incremental value plus actual cost Minimum: RM50.00 |
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| 3.6 | Replacement for lost Guarantee | RM50.00 plus actual cost | ||
| 3.7 | Tracer | RM50.00 (except SME) | ||
| 3.8 | Standby Letter of Credit-i (SBLC-i) | 0.1% per month or part thereof/as per Letter of Offer on the LC-i amount plus actual cost and correspondent charges, if any. Minimum: RM100.00 | ||
| 4. | Outward Bills for Collection-i (EC-i) | |||
| 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-i Checking Fee | RM50.00 | ||
| 4.4 | LC-i Reimbursement | RM50.00 | ||
| 4.5 | Tracer | RM30.00 (Foreign currency) RM10.00 (Local currency) |
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| 4.6 | Usance EC Acceptance | RM10.00 | ||
| 5. | Inward Letter of Credit-i (EL-i) | |||
| 5.1 | Advising commission | RM50.00 flat plus actual cost (Customer) RM70.00 flat plus actual cost (Non-Customer) |
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| 5.2 | Advising LC-i amendment | RM50.00 flat plus actual cost (Customer) RM70.00 flat plus actual cost (Non-Customer) |
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| 5.3 | LC-i Confirmation commission | 0.1% p.m. or part thereof/as per Letter of Offer on the LC-i amount plus actual cost and correspondent charges, if any Minimum: RM100.00 Usance commission: 0.1% p.m. or part thereof on the LC-i amount for the usance period plus actual cost Minimum: RM100.00 |
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| 5.4 | Transferable Letter of Credit-i commission | 0.1% per month on the amount transferred plus actual cost Minimum: RM100.00 Handling fee: Minimum: RM100.00 Maximum: RM500.00 |
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| 5.5 | Assignment of Proceeds (AOP) under Inward Letter of Credit-i | Min RM200 (except SME) | ||
| 6. | Trade Financing | |||
| 6.1 | Accepted Bill-i (AB-i) | |||
| (i) Acceptance Commission | As per Letter of Offer Min: RM100.00 |
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| (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)/ Murabahah Trust Receipt (MTR-i) | |||
| (i) Commission (Open account trade settlement) |
0.1% on invoice value Minimum: RM50.00 Maximum: RM100.00 (Foreign currency) RM500.00 (Local currency) |
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| 6.3 | Murabahah Working Capital Financing-i (MWCF-i) | |||
| (i) Commission (Open account trade settlement) |
0.1% on invoice value Minimum: RM100.00 Maximum: RM300.00 |
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| 6.4 | Export Bills Purchased-i (EP-i)/ Export Negotiation-i (EN-i) | |||
| (i) Commission | 0.1% on invoice value plus actual cost Minimum: RM50.00 Maximum: RM100.00 (Foreign currency) RM500.00 (Local currency) |
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| 6.5 | Export Credit Refinancing-i (ECR-i) | |||
| 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 |
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| (iv) ECR Domestic LC(DLC) charges | 0.05% on the value Minimum: RM50.00 Maximum: RM500.00 |
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| 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) |
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| 7.6 | Courier | Peninsula Malaysia: | RM25.00 | |
| East Malaysia: | RM30.00 | |||
| Other countries: | Relevant courier charges apply | |||
