Internet Banking


Do it from your home, your office or even when you’re on vacation! Yes, you can now manage your cash flow, financial commitments and your investments online. With bankislam facilitating all the features below… just log on to www.bankislam.biz for the full details.

Sign Up and enjoy all these banking services and facilities:
Get updates, details and statements on all your accounts through
  • Account summary
  • E-Statement
  • Cheque Management
  • Internet Banking Transaction History

Term Deposit & Investment

Term Deposit & Investment Withdrawal


Make fund transfers
  • Within Bank Islam To Own or Third Party Account
  • To Other Bank via IBG and Instant Transfer IBFT
  • Maintenance of Future Funds Transfer or Favourite Accounts

Intrabank Funds Transfer (IFT)

Interbank GIRO (IBG)

Instant Transfer (IBFT)

Transfer Within Own Accounts

Fees and Charges (RM per transaction)

No Charges RM0.10 No charges (for both Local & LIFB* No Charges

Daily transaction limit (RM per day)

RM50,000 combined limit** RM50,000 combined limit** RM50,000 combined limit** RM1,000,000 combined limit with Bank Islam to Own Bank Islam, Tabung Haji to Own Tabung Haji, SSPN-i to own SSPN-i

Payment reference

i) Availability of payers’ names and payment references in beneficiaries’ bank statement

Payment reference in Internet Transaction

Statement / History – Yes

Hardcopy statement – No

Yes Yes, for payment references except payers’ names

ii) Availability of beneficiaries’ names and payment references in payers’ bank statement

Note: Availability of names in statement will be made available in Dec 2014. Availability of names and payment reference for channels not yet available in Hardcopy Statement will be made available in Dec 2014

Yes Yes Yes

Future-dated payments

Yes Yes

Operating hours

24 hours 18 hours (6am – 12midnight) 24 hours

Crediting time

i) Monday – Friday

Immediate

Before 5.00am : Same day by 11.00 am

5.01am – 8.00 am : Same day by 2.00 pm

8.01am – 11.00am : Same day by 5.00 pm

11.01am – 2.00pm : Same day by 8.00 pm

2.01 pm – 5.00 pm : Same day by 11.00 pm

After 5.00pm : Next working day by 11.00 am

Immediate

ii) Non-business days

Immediate Next working day by 11.00 am Immediate

Refund time

Monday – Friday

Immediate (Upon beneficiary consent)

Before 5.00 am : Same day by 5.00 pm

5.01 am-8.00 am : Same day by 8.00 pm

8.01 am-11.00 am : Same day by 11.00 pm

11.01 am-2.00 pm : Next working day by 11.00 am

2.01 pm-5.00 pm : Next working day by 11.00 am

After 5.00 pm : Next working day by 5.00 pm

Immediate (upon funds received from RFI)

Non-business day

Immediate (upon beneficiary consent) Next working day : By 5.00 pm Immediate (upon funds received from RFI)

** RM50,000 combined limit with Third Part within Bank Islam, Interbank Giro (IBG), Instant Transfer (IBFT), DuitNow, Tabung Haji to Bank Islam (Own/ Third), Bank Islam to Tabung Haji (Own/ Third), Tabung Haji to Third Party Tabung Haji, SSPN-i to Bank Islam (Own/Third), Bank Islam to SSPN-i (Own/Third), SSPN-i to Third Party SSPN-i

Note:

* Local Incorporated Foreign Bank

Note: RENTAS is not offering for Internet Banking


Make Payment
  • To Own Bank Islam Card-i
  • To Own Financing
  • Prepaid Reload
  • Open or Registered Bill
  • JomPAY Open or Registered Bill
  • Auto Debit
  • Bill Presentment
  • E-Sadaqah / Wakaf
  • Maintenance of Favourite Bill Payment or JomPAY

Settings
  • Update Profile
  • Change Address
  • Change Password
  • Change Secret Questions and Answers
  • Private Word and Image Maintenance
  • Transaction Limit Maintenance
  • ATM Card Cancellation
  • Statement Request

For Any Inquiries
To sign up for Bank Islam Internet Banking, you :
  • Must be 18 years and above;
  • Have Individual Current/Savings Account; or
  • Have Sole Proprietor Accounts;
  • Have Bank Islam ATM/Debit Card;
  • Have ATM PIN.

Just follow these simple steps :
  • Login to https://www.bankislam.biz ;
  • Click “FIRST TIME USER”;
  • Read on Terms and Conditions;
  • Click at ATM/Debit Card;
  • Enter your ATM/Debit Card 16 digits number and ATM PIN;
  • Create USER ID, Password and other details on screen;
  • Confirm the information and click “Confirm”;
  • You have successful sign up for Bank Islam Internet Banking.
Beware of Phishing Scams

Beware of Phone Scams

There has been an increase in scams targeting Bank Islam customers via automated voice messages or phone calls informing customers of an outstanding amount that do not exist. The latest modus operandi of the scam involves callers impersonating a bank, Bank Negara, police or law enforcement agency officers.

They may even inform you that you are involved in criminal activities and instruct you to disclose your banking details such as your ATM, debit card, credit card PIN (Personal Identification Number) or even ask you to transfer funds to a dedicated account number in order to avoid being prosecuted by the law.

To avoid any unauthorised access to your banking accounts, please be mindful to never reveal such information to unknown callers. You are strongly advised to stay vigilant and take the necessary precaution to protect yourself. If you have inadvertently provided your details in the past, please call us immediately at 603-2690 0900, or email us at contactcenter@bankislam.com.my. Alternatively, you may also approach our nearest branch for further assistance.


How to protect yourself

  • Be wary of unsolicited callers claiming to be bank or police officers. Bank Islam, Bank Negara Malaysia (BNM) and Polis Diraja Malaysia (PDRM) will never require your bank details.
  • Never reveal your personal and bank account details such as ATM/debit/credit cards numbers, PINs, IAC (Internet Authorization Code) to anyone.
  • Scammers may use Caller ID spoofing technology to mask their actual phone numbers and display a different number.
  • Call us immediately if you detect any suspicious transactions.

Security Alert

Do not be a VICTIM of fraud. Protect yourself. Report to us immediately for any suspicious activity at 03-26 900 900. Here is a sample on how you can identify a fraud website.


Sample Fraud Site


Sample Fraud Mail

Dear Customer, You are requested to update your Bank Islam account Information to continue with your online banking. Click Here to begin http://www.bankislam.com.my Thank you for using Bank Islam Important Notice: Ensure you Request an IAC. i-Access Code (IAC) is required to complete this update. Failure to provide a IAC will lead to account suspension. Bank Islam Malaysia ________________________________ Please do not reply to this e-mail. Mail sent to this address cannot be answered.


Internet Banking Anti Phishing

Private Image and Private Word

The Private Word and Image is an additional security measure put in place to assist Bank Islam Internet Banking user to identify valid Bank Islam Internet Banking site.

With the new security enhancement, our existing login page will be split into two pages. The first login page is for user to key-in User ID and followed by second login page for user to enter the Password. User Private Word and Image will be presented at second login page.

Internet Banking user has to maintain the Private Word and Image before user is directed to Bank Islam Internet Banking landing page and continue with the internet banking transactions.


How does it assist our user?

Users to verify that they are accessing valid Bank Islam Internet Banking site as follows:

1. A login page without password field


2. 2nd login page to key-in password and to verify Private Word and Image maintained earlier


This is an authentication page to verify that user is accessing to valid Bank Islam Internet Banking. Fake website will display incorrect Private Word and Image to user.

Should the selected Private Word and Image displayed is incorrect or not available, please do not proceed and immediately notify us at 03-26 900 900.


i-Access Code (IAC)

The i-Access Code (IAC) authentication code is designed as an additional security feature when you performed specific online banking transactions. To receive the unique 10-character IAC via SMS, register your mobile number at any nearest branches. IAC is required when you perform the online banking transactions below:

  • Self Reset Password
  • E-Statement Maintenance
  • Cheque Book Request
  • Funds Transfer Within Bank Islam to Third Party Account
  • Funds Transfer to Other Banks via Instant Transfer (IBG)
  • Funds Transfer to Other Banks via IBFT
  • Favourite Account Maintenance Within Bank Islam to Third Party Account
  • Favourite Account Maintenance to Other Banks via IBG
  • Favourite Account Maintenance to Other Banks via Instant Transfer (IBFT)
  • Payments to Open Bill
  • JomPay
  • Auto Debit
  • Bill Presentment
  • Favourite Bill Payment Maintenance
  • Favourite JomPAY Maintenance
  • E-Sadaqah / Wakaf
  • Prepaid Reload
  • Change Address
  • Change Password
  • Change Secret Questions and Answers
  • Private Word and Image Maintenance
  • Transaction Limit Maintenance
  • E-commerce payment via  FPX
  • E-commerce payment via POS Online

Useful Tips for Internet Banking Users
  • Don’t act upon suspicious email
  • Transaction is using 128 bit encryption method
  • To confirm you are accessing secured site by checking on SSL Secured (128 bit) icon at right taskbar
  • Always ensure to use correct URL: http://www.bankislam.com.my
  • Always check on the certificate to ensure you are accessing exist website
  • No downloaded program is needed to access
  • Automatic timeout/log-off if idle after certain period
  • Always remember your id & password
  • Don’t reveal your id & password to anyone
  • Can be access across any platform/browser best viewed with IE 8.0 or higher
  • Advised to clear cache after each session
  • If Internet Banking problem, call 603-2690 0900 immediately
Frequently Asked Questions

Bank Islam Internet Banking is a service provided by Bank Islam that allows to perform banking transactions via Internet.

You can perform your banking transactions anytime, anywhere in the world with Internet access and is readily accessible via your mobile devices, tablets and desktop.

Bank Islam Internet Banking operates 24 hours a day.

You can access to Bank Islam Internet Banking after sign up as a user in Bank Islam Internet Banking

Just login to https://www.bankislam.biz and click at “FIRST TIME USER” button and follow the instructions on screen.

Yes, there will be a charges imposed based on the transaction perform by you. Click here to view our fees and charges.

All Bank Islam’s customers who have ATM/Debit Card-i can register for Internet Banking. Registration for Joint Account holders, Trust Account, Partnership Account or Credit Card Account holder is not available at the moment.

To sign up for Bank Islam Internet Banking, you:

  1. Must be 18 years and above;
  2. Have Individual Current/Savings Account; or Have Sole Proprietor Account;
  3. Have Bank Islam ATM/Debit Card;
  4. Have ATM PIN.

No, registration using Bank Islam Credit Card is not available at the moment.

No, you need to request for a separate Bank Islam ATM/Debit Card for Individual Account and Sole Proprietor Account to access Internet Banking. Joint Account holder is not available at the moment.

Just follow these simple steps:

  1. Login to https://www.bankislam.biz
  2. Click “FIRST TIME USER”.
  3. Read on Terms and Conditions.
  4. Click at ATM/Debit Card.
  5. Enter your ATM/Debit Card 16 digits number and ATM PIN.
  6. Create USER ID, Password and other details on screen.
  7. Confirm the information and click “Confirm”.
  8. You have successful sign up for Bank Islam Internet Banking.

USER ID must consist of 6 to 10 alphanumeric characters, no special characters are allowed.

Password must consist of 8 to 18 alphanumeric characters, you may also include special characters.

Yes. Login to Bank Islam Internet Banking, select “Settings” and click at “Change Password” to change your password.

No, you can’t.

No, the password must be different from USER ID.

The system detected that you have already registered for Bank Islam Internet Banking. If you still remember your USER ID and Password, kindly proceed to Login button.

If you have forgotten your password, kindly proceed to “Forgot Password” to update your password. However, you will need a valid USER ID, Bank Islam ATM/Debit Card number and ATM PIN to reset your password. (You may refer to question no. 26 for further detail)

If you have forgotten your USER ID, call our Contact Center at 03 2690 0900 for further assistance.

Call our Contact Center at 03 2690 0900 or email us at contactcenter@bankislam.com.my for assistance.

The SMS is sent to you as a verification that you have successfully registered for Bank Islam Internet Banking.

If you do not receive any SMS after your FIRST TIME USER registration, you need to register your mobile phone number at your nearest Bank Islam branch.

You need to update your mobile number at your nearest Bank Islam branch in order to receive i-Access Code (IAC).

The mobile phone number is required to receive IAC.

IAC is additional security authentication comprises of a unique 6-digit code that is auto-generated together with Secure Code and delivered to your registered mobile number when you performed some of the online transaction.

Secure Code is another security authentication comprises of a unique 4-alphabet code that is auto-generated together with IAC and delivered to your registered mobile number. The 4-alphabet code sent to your registered mobile number must match against the 4-alphabet code appeared on Internet Banking transaction page. If it differs, please do not proceed with the transaction.

You can register, change or update your mobile number online or at any Bank Islam branch.

Online:

  1. Login to https://www.bankislam.biz
  2. Select “Settings” tab and click “Mobile Number Maintenance”.
  3. Enter your mobile phone number at “Mobile Number” section and click “Submit” to proceed to the next page.
  4. Once mobile number registration is successful, you are now able to perform financial transaction.

Bank Islam branch:

  1. Fill in the application form for the “Internet Banking Mobile Phone Registration/Deregistration for I-Access Code” and submit it to the branch.

Note: You are required to enter your own mobile number and should not register a third (3rd) party mobile number.

Yes.

If you are in Malaysia, please visit Bank Islam branch nearest to you or email us at contactcenter@bankislam.com.my.

If you are not in Malaysia, call our Contact Center at 03 2690 0900 or email us at contactcenter@bankislam.com.my.


1. Do’s
• Register your own phone number
• Ensure that the Secure Code on your phone matches the Internet/Mobile Banking screen
• Ensure that the IAC Code received is for the service you requested for

2. Don’ts
• Don’t reveal or share the IAC Code to anyone
• Don’t authenticate transaction if amount transfer and/or beneficiary name is incorrect
• Ignore any messages or calls claiming that the IAC Code was sent wrongly to your phone number

Call our Contact Center at 03 2690 0900 to delete your Internet Banking access and perform FIRST TIME USER registration.

For your security, you are not allowed to register using your old Internet Banking USER ID or Password.

Please call our Contact Centre at 03 2690 0900 for further assistance.

Bank Islam has enhanced its security feature to make online banking safer for our customers. The system is called the automated fraud detection system (FDS) and it may request further validation (e.g. Secret Question), in addition to 4-alphabet Secure Code and 6-digit IAC code during login or when performing transaction when the situation warrants.

In order to initialize this new feature, our system will prompt you to setup three (3) new Secret Questions and Secret Answers. This will overwrite the previous Secret Questions and Answers that you may have set.

Secret Questions and Answers are a set of questions and answers that may be used to verify the identity of the person accessing the internet banking. You will need to setup the secret questions and answers on your first login after 19 May 2018 or during the Internet Banking registration process.

Yes, you can, please complete the steps below:

  1. Login to https://www.bankislam.biz and click on “Settings”.
  2. Select “Change Secret Questions and Answers”.
  3. Select your new Secret Question.
  4. Enter your new Secret Answer.
  5. Request IAC and proceed with the instructions on screen to complete request.

Yes, due to security reason, you must setup your three (3) secret questions and answers.

You are required to choose from the list of Secret Questions provided by Bank Islam and set the Secret Answer for the Secret Question that you have chosen. Repeat the same steps for 2nd and 3rd Secret Questions and Secret Answers.

No, you must select a different set of Secret Question.

No, you are required to select from a list of questions provided by Bank Islam.

To ensure the Secret Questions and Secret Answers are safe, please follow the steps below:

  • Make every Secret Answer completely unique and not guessable to every Secret Question.
  • Never use a generic Secret Answer.
  • Never duplicate Secret Answer to every Secret Question.
  • Ensure you are in the correct url: https://www.bankislam.biz during Internet Banking Registration, login or performing Internet Banking transaction.
  • Never share or reveal your personal and bank account details, Secret Questions and Secret Answers to anyone (including the Police, BNM Officials or family members).
  • Always keep your computer or any electronic device systems up-to-date with the latest operating system and anti-virus software.
  • Call our Contact Center at 03 26 900 900 or email us at contactcenter@bankislam.com.my immediately if you receive any SMS or alert or unknown caller or email to change Secret Question and/or Answer without your request.

No, you are required to have Secret Questions and Answers to avoid any service disruption.

You are given three (3) attempts to answer your Secret Question. Failure to provide the right answer upon three (3) attempts shall result in your Internet Banking being locked.

You need to call our Contact Center at 03 26 900 900 for further assistance.

You should ensure that your selected Secret Question is displayed on screen and enter the Secret Answer as per what you have chosen during registration to proceed with your internet banking transactions.

The Private Word and Image is an additional security measure to assist you to identify that you are at genuine Bank Islam Internet Banking site.

You will need to confirm that the Private Word and Image are correct before you proceed to enter your password.

Private Word consists of 1 to 20 alphanumeric characters.

No, we have provided to you with various selection of image for you to choose from.

Yes, you can still use your previous Private Word and Image.

Do not proceed to log in and immediately report to Bank Islam Contact Center at 03 2690 0900 or via email at contactcenter@bankislam.com.my

Yes, by completing the steps below:

  1. Login to https://www.bankislam.biz and click “Settings”.
  2. Select “Private Word and Image Maintenance”.
  3. Enter your new Private Word.
  4. Select your new Private Image.
  5. Request an IAC and proceed with the instructions on the screen to complete request

Click here to view the list of Bank Islam Internet Banking services.

Yes, you can. You may print a copy by clicking ”Print” at the confirmation screen or you may also view our Internet Banking Transaction History which keeps your transaction for the last 3 months.

  1. Change your password regularly.
  2. Do not write down your ATM PIN, Password and USER ID.
  3. Never disclose your personal information such as login USER ID, Password, IAC code and other information to anyone.
  4. Always log out properly.
  5. Do not perform transactions at public terminals such as cyber café.
  6. Clear your cache upon completion.

To clear your cache memory, do as follows:

If you are using Internet Explorer, follow these steps:

  1. Click “Tools” at Internet Explorer browser.
  2. Select “Internet Options”.
  3. At Internet Options, select “General”.
  4. At Browsing history, click “Delete”.
  5. At Delete Browsing History, click “Delete files…” and follow the onscreen instructions.
  6. Upon completion, next click “Delete cookies…” and follow the onscreen instructions.
  7. Upon completion, click “Close” to close Delete Browsing History.
  8. Click “OK” to close Internet Options.

If you are using Google Chrome web browser, follow these steps:

  1. On your browser toolbar, click “More”.
  2. Click “History”, and then click “Clear Browsing Data”.
  3. Under “Clear Browsing Data”, select the checkboxes for Cookies and site data and Cached images and files.
  4. Use the menu at the top to select the amount of data that you want to delete.
  5. Click “Clear Data”.

If you are using Mozilla Firefox web browser, follow these steps:

  1. Click the menu button on your browser toolbar, and click “Options” and then click “Preferences”.
  2. Select the Advanced panel.
  3. Click on the “Network” tab.
  4. In the Cached Web Content section, click “Clear Now”.

If you are using Safari web browser, follow these steps:

  1. Choose Safari and click “Preferences”.
  2. Click “Privacy” and click “Remove All Website Data”.

Phishing is a process where scammers trick you into giving them your USER IDs, passwords or other details, so that they can gain access to your online banking accounts.

Victims are known to receive phone calls, SMS or most frequently emails claiming to be from a bank or reputable institutions, asking them for personal information to update their accounts. Soon after they have provided this information, they usually find that their accounts have been compromised.

  1. i. Never disclose your personal information such as USER ID, Password, i-Access Code (IAC) and other information to anyone.
  2. Never click on link(s) sent from emails or SMS.

Always type in the Bank Islam Internet Banking url, https://www.bankislam.biz directly into the address bar of your internet browser and always ensure that your Private Word and Private Image are displayed correctly before entering your password.

If you receive a fraudulent email or SMS/phone call, call our Bank Islam Contact Center at 03 2690 0900 or via email at contactcenter@bankislam.com.my

Interbank Instant Transfer (IBFT) allows funds/repayments to be transfer from any of your banking account(s) with Bank Islam Malaysia Berhad to another person’s or entity’s account/card in another Bank in Malaysia provided it is within the Service Provider’s network. The funds are available immediately subject to the Recipient Bank’s acceptance and processing.

Interbank GIRO (IBG) allows funds/repayments to be transferred from any of your banking account(s) with Bank Islam Malaysia Berhad to another person’s or entity’s account/card in another Bank in Malaysia provided it is within the Service Provider’s network.

Click here to view the Interbank GIRO (IBG) processing time and funds availability.

The maximum transaction limit is RM50,000.00 per day combined limit with 3rd Party Fund Transfer within Bank Islam, IBG and Instant Transfer IBFT.

The maximum transaction limit is RM100,000.00 per day including Bills Payment, Bill Presentment, JomPAY and Payment Gateway.

The maximum transaction limit is RM250.00 per day.

The maximum transaction limit is RM30,000.00 per day.

The maximum transaction limit for any payment, receipt or transfer is RM10,000.00 per day.

  1. Login to https://www.bankislam.biz and click “Settings”.
  2. Select “Transaction Limit Maintenance”.
  3. Enter your new Transaction Limit.
  4. Request an IAC and proceed with the instructions on the screen to complete request.

a. Redemption Statement for Home Financing-i (HFA),

b. Account Statement for Employment Provident Fund (EPF) Withdrawal;

i. Withdrawal Scheme to Reduce / Settle Outstanding Balance of House Financing;

ii. Monthly Withdrawal Scheme for HFA.

Yes, you need to have an IB account to use the Financing Document Request.

You may register at https://www.bankislam.biz

All customers who have HFA facility with Bank Islam and have IB account.

Yes, there will be fees and charges imposed on the statement requested by you.

No, only owner of the HFA facility account can use the Financing Document Request to request the statement.

The request will be processed by the Bank from the date of request (‘T’) as follows:

  1. Redemption Statement for HFA – T+10 working days;
  2. Account Statement for EPF withdrawal – T+10 working days.

*For mode of delivery = “courier”, it is subject to Courier Company’s delivery time.

You can check your request status from “Status Inquiry” menu in the IB.

You may choose your preferred mode of delivery as follows:

  1. Account Statement for EPF Withdrawal – either courier to the address provided by you during the request or collect at your preferred Bank Islam branch;
  2. Redemption Statement – either courier to the address provided by you during the request or email to the email address provided by you.

Note: Customer is required to bear the courier charges as stated in Bank Islam’s website.

Yes, you can cancel your request through IB or call our Contact Centre before the status in “Status Inquiry” indicates “Completed” without incurring any fees and charges. However, if the request for cancellation is made after the status has turned “Completed”, then the fees and charges imposed will not be refunded.

No, the Bank will debit the fees and charges into your financing account (Misc Charges) once the statement is ready. You are required to pay the fees and charges directly to your HFA facility account.

No, request for Redemption Statement for joint account is not available. You may apply for the Redemption Statement via our nearest branch or call our Contact Centre at 03-26 900 900 for assistance.

Yes, a third (3rd) party can collect the statement on behalf of you with your authorization letter.

(Note: This is only applicable for Account Statement for EPF Withdrawal)

Call our Bank Islam Contact Center at 03 2690 0900 or email us at contactcentre@bankislam.com.my for assistance.