HSBC Express Banking | ATM services

HSBC Amanah
Ways to bank
Express banking

ATM Services

Our 24-hour express banking lobbies allow you to perform most of your banking transactions whenever you want so you can enjoy prompt services:

Cash withdrawals (up to RM5,000 per day)
Card cash advances
PIN change
Language selection (English, Bahasa Malaysia or Mandarin)
Fund transfers¹
Interbank GIRO (IBG)

Learn more in our FAQ

Instant Transfer
Cheque book requests
Statement requests
Multiple Account Access on the same HSBC Amanah Visa Debit Card-i

Up to three 3 accounts can be linked under one HSBC Amanah Visa Debit Card-i.
Account activity enquiry

¹You can transfer up to RM5,000 per day to any HSBC / HSBC Amanah bank account. However, for cards with secondary accounts encoded into the same card, the limit for transfers between accounts (card account and secondary accounts) on the same card is RM20,000.

Terms and conditions apply.

Transfer fees and timings

Instant transfer

Instant transfer fees
Items	Online and mobile banking - transaction below or equal to RM5,000	Online and mobile banking transaction above RM5,000	ATM - transaction below or equal to RM5,000	ATM - transaction above RM5,000
Fees and charges (per transaction)	Waived	Waived	Waived	RM0.50 -for more details please refer to Tariff and Charges (PDF, 7.2MB)
Daily transaction limit	RM50,000 combined limit with intrabank and interbank funds transfer	RM50,000 combined limit with intrabank and interbank funds transfer	RM10,000 combined limit with intrabank and interbank funds transfer	RM10,000 combined limit with intrabank and interbank funds transfer
Payment reference	Yes	Yes	No	No
Availabiity of payers' names and payment references in beneficiaries' bank statement	Yes	Yes	No	No
Availability of beneficiaries' names and payment references in payers' bank statement	Yes	Yes	No	No
Operating hours	24 hours	24 hours	24 hours	24 hours

Instant transfer fees
Items	Fees and charges (per transaction)
Online and mobile banking - transaction below or equal to RM5,000	Waived
Online and mobile banking transaction above RM5,000	Waived
ATM - transaction below or equal to RM5,000	Waived
ATM - transaction above RM5,000	RM0.50 -for more details please refer to Tariff and Charges (PDF, 7.2MB)

Items	Daily transaction limit
Online and mobile banking - transaction below or equal to RM5,000	RM50,000 combined limit with intrabank and interbank funds transfer
Online and mobile banking transaction above RM5,000	RM50,000 combined limit with intrabank and interbank funds transfer
ATM - transaction below or equal to RM5,000	RM10,000 combined limit with intrabank and interbank funds transfer
ATM - transaction above RM5,000	RM10,000 combined limit with intrabank and interbank funds transfer

Items	Payment reference
Online and mobile banking - transaction below or equal to RM5,000	Yes
Online and mobile banking transaction above RM5,000	Yes
ATM - transaction below or equal to RM5,000	No
ATM - transaction above RM5,000	No

Items	Availabiity of payers' names and payment references in beneficiaries' bank statement
Online and mobile banking - transaction below or equal to RM5,000	Yes
Online and mobile banking transaction above RM5,000	Yes
ATM - transaction below or equal to RM5,000	No
ATM - transaction above RM5,000	No

Items	Availability of beneficiaries' names and payment references in payers' bank statement
Online and mobile banking - transaction below or equal to RM5,000	Yes
Online and mobile banking transaction above RM5,000	Yes
ATM - transaction below or equal to RM5,000	No
ATM - transaction above RM5,000	No

Items	Operating hours
Online and mobile banking - transaction below or equal to RM5,000	24 hours
Online and mobile banking transaction above RM5,000	24 hours
ATM - transaction below or equal to RM5,000	24 hours
ATM - transaction above RM5,000	24 hours

Instant transfer timings
Crediting time	Funds received by beneficiaries
Business days (Monday to Friday)	Immediate
Non-business days (Saturday, Sunday and Federal Territory Public Holidays)	Immediate

Instant transfer timings
Crediting time	Business days (Monday to Friday)
Funds received by beneficiaries	Immediate

Crediting time	Non-business days (Saturday, Sunday and Federal Territory Public Holidays)
Funds received by beneficiaries	Immediate

Interbank GIRO (IBG) transfer

Interbank GIRO (IBG) transfer fees
Items	Online and mobile banking	ATM	Over-the-counter
Fees and charges (per transaction)	RM0.10	RM0.10	RM2 - for more details please refer to: Tariff and Charges (PDF, 7.2MB)
Daily transaction limit	RM50,000 combined limit with intrabank and interbank funds transfer	RM5,000	RM500,000
Future-dated payments	Yes	No	Yes
Operating hours	24 hours	24 hours	Banking hours 9:30am to 4:30pm

Interbank GIRO (IBG) transfer fees
Items	Fees and charges (per transaction)
Online and mobile banking	RM0.10
ATM	RM0.10
Over-the-counter	RM2 - for more details please refer to: Tariff and Charges (PDF, 7.2MB)

Items	Daily transaction limit
Online and mobile banking	RM50,000 combined limit with intrabank and interbank funds transfer
ATM	RM5,000
Over-the-counter	RM500,000

Items	Future-dated payments
Online and mobile banking	Yes
ATM	No
Over-the-counter	Yes

Items	Operating hours
Online and mobile banking	24 hours
ATM	24 hours
Over-the-counter	Banking hours 9:30am to 4:30pm

Interbank GIRO (IBG) transfer timings
Crediting time	Funds received by beneficiaries	Refund for unsuccessful transactions
Business days (Monday to Friday) before 5:00am	Same business day by 11:00am	Same business day by 5:00pm
Business days (Monday to Friday) 5:01am to 8:00am	Same business day by 2:00pm	Same business day by 8:20pm
Business days (Monday to Friday) 8:01am to 11:00am	Same business day by 5:00pm	Same business day by 11:00pm
Business days (Monday to Friday) 11:01am to 2:00pm	Same business day by 8:20pm	Next business day by 11:00am
Business days (Monday to Friday) 2:01pm to 5:00pm	Same business day by 11:00pm	Next business day by 11:00am
Business days (Monday to Friday) After 5:00pm	Next business day by 11:00am	Next business day by 5:00pm
Non-business days (Saturday, Sunday and Federal Territory Public Holidays)	Next business day by 11:00am	Next business day by 5:00pm

Interbank GIRO (IBG) transfer timings
Crediting time	Business days (Monday to Friday) before 5:00am
Funds received by beneficiaries	Same business day by 11:00am
Refund for unsuccessful transactions	Same business day by 5:00pm

Crediting time	Business days (Monday to Friday) 5:01am to 8:00am
Funds received by beneficiaries	Same business day by 2:00pm
Refund for unsuccessful transactions	Same business day by 8:20pm

Crediting time	Business days (Monday to Friday) 8:01am to 11:00am
Funds received by beneficiaries	Same business day by 5:00pm
Refund for unsuccessful transactions	Same business day by 11:00pm

Crediting time	Business days (Monday to Friday) 11:01am to 2:00pm
Funds received by beneficiaries	Same business day by 8:20pm
Refund for unsuccessful transactions	Next business day by 11:00am

Crediting time	Business days (Monday to Friday) 2:01pm to 5:00pm
Funds received by beneficiaries	Same business day by 11:00pm
Refund for unsuccessful transactions	Next business day by 11:00am

Crediting time	Business days (Monday to Friday) After 5:00pm
Funds received by beneficiaries	Next business day by 11:00am
Refund for unsuccessful transactions	Next business day by 5:00pm

Crediting time	Non-business days (Saturday, Sunday and Federal Territory Public Holidays)
Funds received by beneficiaries	Next business day by 11:00am
Refund for unsuccessful transactions	Next business day by 5:00pm

Intrabank funds transfers

Intrabank funds transfer fees
Items	Online and mobile banking	ATM	Over-the-counter
Fees and charges	No	No	No
Daily transaction limit	RM50,000 combined limit with interbank funds transfer	RM10,000 combined limit with Instant Transfer	No limit
Payment reference (i) Availability of payers’ names and payment references in beneficiaries’ bank statement (ii) Availability of beneficiaries’ names and payment references in payers’ bank statement	Yes	No	Yes
Operating hours	24 hours	24 hours	Banking hours 9:30am to 4:30pm

Intrabank funds transfer fees
Items	Fees and charges
Online and mobile banking	No
ATM	No
Over-the-counter	No

Items	Daily transaction limit
Online and mobile banking	RM50,000 combined limit with interbank funds transfer
ATM	RM10,000 combined limit with Instant Transfer
Over-the-counter	No limit

Items	Payment reference (i) Availability of payers’ names and payment references in beneficiaries’ bank statement (ii) Availability of beneficiaries’ names and payment references in payers’ bank statement
Online and mobile banking	Yes
ATM	No
Over-the-counter	Yes

Items	Operating hours
Online and mobile banking	24 hours
ATM	24 hours
Over-the-counter	Banking hours 9:30am to 4:30pm

Intrabank funds transfer timings
Crediting time	Funds received by beneficiaries
Business days (Monday to Friday)	Immediate
Non-business days (Saturday, Sunday and Federal Territory Public Holidays)	Immediate

Intrabank funds transfer timings
Crediting time	Business days (Monday to Friday)
Funds received by beneficiaries	Immediate

Crediting time	Non-business days (Saturday, Sunday and Federal Territory Public Holidays)
Funds received by beneficiaries	Immediate

Express cash deposit

You can now deposit your cash any time and at your convenience with our online ECDMs. The deposit is instantly credited into your bank account. Besides cash deposits, you can also perform payment to any HSBC/HSBC Amanah card account.

Note: payment to a card account will be credited the next day. Only RM1, RM5, RM10, RM20, RM50 and RM100 notes can be accepted. Maximum number of notes per transaction is 100. Maximum amount per day per account is RM24,990 (for an external account, the limit is RM10,000 per transaction).

Cheque scanning

Unlike the ordinary cheque deposit machines which use envelopes, our ChequeScan² is designed to provide the scanning/imaging capability where the image of deposited cheques will be printed on the customer receipt. It is a hassle-free cheque depositing service with no PIN, pay-in-slip or envelope required. You may use the ChequeScan to:

Deposit cheques into any HSBC/HSBC Amanah bank account
Deposit cheques for payment to any HSBC/HSBC Amanah card account
Deposit cheques for payment to any HSBC Amanah Home Financing or HSBC Home Loan account
Deposit cheques for payment to selected bill payment merchants

²Only at selected branches.

Note: maximum number of cheques per transaction is 30. Please note that all the transactions above are subject to the normal terms and conditions relating to the clearance of cheques.

Terms and conditions apply.

Cheque deposit and credit timings

Cheque deposit time: Monday–Friday (Sunday–Thursday only for Kuala Terengganu & Kelantan) by 4:00pm

Cheque crediting time: Next business day after 8:00pm

Cheques deposited after 4:00 PM or on non-business days will be considered as cheques deposited on next business day.

Cheque and current account services

Fee per cheque issued is RM0.50 with the cheque processing fee effective from January 2, 2015.

There is no interest rate or profit rate for a current a HSBC Basic Savings Account or HSBC Basic Current Account. For interest rates and profit rates for HSBC Premier, please read the PDF below.

Interest Rates and Profit Rates (PDF) Download link

Coin counting deposit

There is a new 24-hour self-service terminal that allows you to deposit coins at selected branches³.

Deposit into HSBC savings or current accounts
Touchscreen with language selection: English, Bahasa Malaysia or Mandarin
Only Malaysian coins are accepted, in denominations of 5 sen, 10 sen, 20 sen and 50 sen
Minimum deposit is RM2
No maximum deposit, but it is subject to the load capacity of the CCDM
Deposit will be credited within 7 working days
No fee charged

³Selected branches: Petaling Jaya branch, Bukit Bintang branch, Penang Down Street branch, Kuching branch at Jalan Padungan Bangunan Binamas, Kota Kinabalu branch at Jalan Gaya

Things you should know

MEPS' shared ATM network

Now you can do more than just withdraw money and check your account balance at our ATMs. With Interbank Fund Transfers, you can easily transfer funds / make payment to your loan or credit cards account with other banks within the MEPS' Shared ATM Network.⁴

Enjoy this service at any ATM's today.

Balance inquiry is free via MEPS' shared ATM network for the following account types: