Debit card is free, as in no annual fee at all. And you don't have to deposit 1.5k every month. You only need to do that to enable the 1% bonus interest as well as unlimited local interbank ATM free cash withdrawals. You'll be charged first for each local interbank ATM cash withdrawal and fee will be reimburse on the first day of the following month.

Yes. From own ATM of course it is free. Do however note that JustOne Personal account comes with two account numbers like AMBank True account. One is a savings while another one is a current account. However, unlike AmBank True account where both current and savings account are linked to your debit card, SCB JustOne Personal savings account is not. So every time you need to withdraw money from the ATM, you need to transfer money from your SCB JustOne savings to current first before you can make an ATM cash withdrawal.

But not everyone has a Hong Leong Bank account...

Currently MEPS Instant Transfer from mobile banking is free for all account types until end of this year.

Either through the mobile banking app or their website.

Why are you quoting something from last year ? It is already August 2016 now. And why don't you try it yourself to check whether I'm correct or otherwise ?

JamesPond This is your original post that I first replied to. In your post you were asking if instant transfer from OCBC IQ Account is free.


You posted another question again on the same day and I also replied you on the same day. And one thing to be clear, your original post was about instant transfer from OCBC Bank iQ Account. My first reply to you was referring to OCBC Bank specifically. My second reply to you was still referring to OCBC Bank specifically.


This particular promotion I was talking about isn't from MEPS. This is a bank specific promotion just like the one offered by Hong Leong Bank and UOB Bank. From the beginning he was asking about OCBC iQ Account. I do not know why it suddenly deviated to become a MEPS promotion. OCBC advertise this free instant transfer through their mobile banking app as well as website.


I never talked about the promotion he quoted. From the very beginning I was talking about free instant transfer from OCBC Bank only as his question was about free instant transfer from OCBC iQ Account. Please refer to his original post that I first replied to which you can find in this post.


My comment is very much valid. Please check what did you ask on your original post that I replied to on 29th July. Thank you.

You don't have to. I just hope there is no more confusion now.

CIMB Bank offers similar security token but it is optional and with CIMB Bank, you have to 'purchase' the security token from them.

Did an IBFT last night. It was still free. This is a limited time promotion. The page could be displaying the normal IBFT fee should there is no promotion.

All waived since 1/10/2014.

I had no problem accessing HL Connect this afternoon.

OCBC Bank zero-fee MEPS Instant Transfer is back. Promotion valid until 28th September 2017. Valid for all MEPS Instant Transfer transaction made through its mobile banking platform.

Had to do over the counter funds transfer to another bank a few times early this week. Was given only two options. Either IBG or RENTAS only. And RHB Bank limit each OTC IBG to RM100,000 only. So if you need to transfer more than RM100,000, you need to do it multiple times.


- HSBC (only from Advance and Premier account)
- Citibank
- Standard Chartered
- UOB Bank (certain type of account only)
- OCBC Bank (free unlimited instant transfer only through mobile banking until 28th September 2017)

This post has been edited by MilesAndMore: Jul 6 2017, 10:22 AM

Did Malaysians see a sudden increase of 80% of their salary too ?


The bank is the one determining the maximum amount you can transfer through OTC IBG. For instance, RHB Bank imposes a maximum limit of RM100k per OTC IBG request. If you want to transfer more than RM100k through OTC IBG, then you will have to do multiple IBG. However for Public Bank, there isn't a maximum limit imposed for OTC IBG. Previously I was told it was RM1 million maximum but my last visit to Public Bank I was told there isn't a maximum limit anymore. As for Maybank, I do not know if there was a maximum limit imposed for OTC IBG. But an acquaintance of mine was able to do an OTC IBG at Maybank for more than RM200k. However as the amount was over RM200k she had fill a form to satisfy BNM's request on exchange control.

This post has been edited by MilesAndMore: Aug 31 2017, 02:10 PM

Are the banks in Malaysia not reporting profit ? Is there a profit warning at Maybank recently ? A sudden increase of RENTAS fee of 80% is unreasonable. With more and more things shifted to online and electronically, the cost is actually going down. It is even more unreasonable when you see the cost of online IBG has gone down from RM2/transfer to only RM0.10/transfer before GST in recent years. Not only online IBG has become cheaper over the years, they have also cut down on the time to process each transfer too. It says a lot about the real cost of money wire in Malaysia.

OCBC Bank has extended the free MEPS instant transfer through mobile banking to 31st Dec 2017.

A much welcome news indeed

Hong Leong Bank free IBG and instant transfer through Hong Leong Connect will run till 30th June 2018 or upon the allocation of RM2.845 million for the purpose of IBG and instant transfer fee waiver is used up.

This post has been edited by MilesAndMore: Dec 29 2017, 09:31 AM

Not very sure about this but you can try. They will show the instant transfer or IBG fee (if any) at the final page before you submit it.