AmOnline Frequently Asked Questions

Registration and Setups

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1. What’s new with AmOnline?

The brand-new AmOnline comes with an overall improved design to give you a better banking experience. Developed with the customer in mind, we have redesigned the interface to make your banking experience seamless, faster, and more convenient. The new AmOnline is also implemented with enhanced security features to make sure that you can bank safely.

2. What are the new enhancements of AmOnline?

Some of the many improvements include:

New and modern interface design that is more user-friendly and easier to navigate around,
Effortless transaction approvals with in-app AmSecure. No more waiting for SMS TAC,
A “Quick Actions” menu to get all your necessary banking needs done quicker,
View all your accounts and your Recent AmOnline Transactions in one page,
Tighter security by binding your AmOnline account to your mobile phone,
Easier experience to repeat your transactions. Just swipe in Recent AmOnline Transactions and transact!
Accessible post-transaction alerts within your app,
Pay multiple bills at one go.

And many more!

3. How do I get the new AmOnline app?

To download the new app, go to your respective device’s authorised application store (Play Store, App Store, or Huawei AppGallery) and search “AmOnline” to download.
If you are already an AmOnline user, you can log in using your respective Username and Password.
If you have not yet registered for AmOnline, please follow the steps here.
For our sole proprietary & SME customers, refer to AmAccess Biz FAQ here.

4. Where can I access AmOnline?

You are able to access AmOnline from anywhere in the world provided that you have an Internet connection (Wi-Fi or mobile data).

5. Are there any fees or charges to use the new AmOnline app?

You are able to download the app for free. Please do note that certain financial transactions will incur an additional fee. For example, certain billers impose a service charge when paying Bills.
If you are using the AmOnline app on mobile data or you are overseas and on roaming, separate mobile service provider charges will apply.

6. What is mobile device binding?

After downloading the app, you are required to do a simple one-time setup, which requires SMS TAC. Upon completion, this binds your AmOnline account to your mobile device. This allows us to provide a more personalised banking experience to you and at the same time ensures greater protection of your accounts as only you can access AmOnline on your mobile device after binding.

Important Note: Please ensure that you bind your AmOnline account to your personal mobile device only (not to someone else’s device).

7. What are the benefits of binding my AmOnline account to my mobile device?

By binding your AmOnline account to your mobile device, besides being more secure, it allows you:

To check your account balances and transactions quickly,
To perform low-value transactions such as DuitNow QR easily with fingerprint/face ID or a 6-digit PIN. Refer to Quick Access FAQ for more details,
To perform and approve transactions with just one tap from within the AmOnline app using AmSecure. Refer to AmSecure FAQ for more details.

8. Can I bind my AmOnline account to multiple mobile devices?

No. You can only bind it to one mobile device and it should be your personal mobile phone.

9. I bought a new mobile phone. Can I bind my AmOnline account to this new phone?

Yes, you can bind your AmOnline account to your new mobile phone by logging in and proceeding with the one-time setup as per normal. As you do this, your AmOnline account will unbind from your previous phone and will be bound to your new phone.

10. What are the minimum system requirement to use the new AmOnline?

The minimum system requirements are:

App:

your device must not be jailbroken or rooted
iOS version 9 and above
Android version 8 and above

To get the best mobile banking experience, we recommend that you regularly update your mobile device to the latest operating system (iOS or Android) of your mobile device and the latest app version of AmOnline.

Note: Note: Android OS version below 8.0 is no longer supported with security patches (e.g. v7.0, v7.1 etc.) If you are using such OS, we recommend you to update to version 8.0 or above, or use AmOnline on your device that uses OS version 8.0 or above.

Web

Google Chrome version 49 and above
Apple Safari version 10 and above
Mozilla Firefox version 50 and above
Microsoft Edge version 31 and above

11. Am I still able to use AmOnline if my system requirement is not as specified above?

No, your device must meet the minimum system requirements.

Even if your device meets the minimum requirements, we highly recommend using the most up-to-date OS versions of your phone, or browser versions of your computer/laptop when using AmOnline, to have the best and safest user experience.

This is because older systems receives less or no security patches, thus resulting in your system being more vulnerable to viruses, malwares, and other security issues. You may also experience performance issues with older system versions when using AmOnline.

12. I am using the new AmOnline, but I can’t log in. What should I do?

If you have trouble logging in to AmOnline, it may be due to the following reasons:

You forgot your Username or Password
If you have forgotten your username and/or password, we can retrieve it for you. Just follow the steps at Forgot Username/Password.
Your account is Dormant or Locked.
Dormant – Because you have not logged in to AmOnline for more than 12 months.
Locked – Because you have entered an invalid password more than 3 times.
In both cases, please contact our Contact Centre for assistance at +603-2178 8888.

13. AmOnline Login Profile

1. I accidentally entered wrong password multiple times. Will my AmOnline profile gets locked?

Yes, for security reason, we have to lock your profile. You need to contact our call center to unlock your profile first in order for you to log in to AmOnline again.

2. What will happen to my AmOnline profile if I never log in to AmOnline for period of times?

Your profile will become inactive if you are not logged in for more than 90 days.
Your profile will become Dormant if you are not logged in for more than 365 days.

3. How do I know if my AmOnline profile is inactive or dormant?

If your profile is inactive, AmOnline will prompt you to activate your profile. Follow the simple steps to reactivate your profile.
If your profile has dormant, AmOnline will prompt you an error message.

4. What should I do if my profile is dormant?

You will need to reset your password using our “Forgot username / password” function in AmOnline. After successful password reset, you should be able to log in to AmOnline using your new password.

5. I terminated my AmOnline profile before, can I log in again to AmOnline?

No, you will not able to log in again after your profile is terminated. You will need to register AmOnline again.

6. Will my AmOnline profile gets terminated by itself

No, your AmOnline profile will get terminated only upon your request by contacting our call center. If you have not logged in for long period of time, your AmOnline profile will turn inactive or dormant.

14. My accounts are missing OR my profile is not shown after I have logged in, what should I do?

If you find your accounts missing when you log in, or that the profile is not yours, please contact our Contact Centre at +603-2178 8888.

15. Does AmOnline support multiple languages?

Yes, for the best personalized user experience, AmOnline supports 3 languages: English, Bahasa Malaysia and Chinese.

To select your preferred language:

App: Before logging in, go to Menu > Language Settings > Tap on your preferred language.

Web: Before logging in, choose your preferred language on the top right of the screen.

Note: English is set as the default language.

16. Why are some words still in English even after I choose Bahasa Malaysia or Chinese?

This is because several contents are only available in English. However, we made sure the most important contents supports the 3 languages to ease your banking experience.

Registering for AmOnline

1. Can I Register for AmOnline?

You can register for AmOnline if you have any of the below:

AmBank Current or Savings Account/-i that is linked to an AmBank Debit Card.
Ambank Credit Card / Card-i
AmBank Loan; either
1. Hire Purchase / -i
2. Mortgage
3. Personal Loan / Financing

2. I have an AmBank Credit Card/Card-i but I have not activated it. Can I still register for AmOnline?

Yes. You would still be able to register for AmOnline. In this way, you are able to register for AmOnline and activate your card in the same process. Please go to Activate Your Card FAQ for more information.

3. How can I register for AmOnline?

You can register AmOnline via AmOnline app or browser. To register AmOnline, follow below steps:

Steps to register in the app:

Download and launch the new AmOnline app from your respective device’s authorized application store,
Browse the carousel and tap on “Let’s Get Started”,
Tap on the “Register to AmOnline” tile,
Enter your preferred AmOnline credentials.
Enter your ID Number and contact details,
Enter your Card Number & Card PIN OR Enter Loan/Financing Number & SMS TAC.

Steps to register in the web:

Click on the “Register” tab on AmOnline web landing page
Enter your preferred AmOnline credentials
Enter your ID Number
Enter your Card Number & Card PIN OR Enter Loan/Financing Number & SMS TAC

And you’re done!

4. How do I know I have registered for AmOnline successfully?

We would send you an SMS and email notifying you of your successful registration.

5. Can I use any username that I wish to use?

Your username must consist between 6 to 15 characters with combination of letters and numbers, without space.

6. What is AmOnline’s password policy?

Effective 26 August 2019, AmOnline has implemented a new password policy. Your password must now consist of a combination of at least one uppercase letter, lowercase letters, and numbers and must be between 8 to 16 characters.

While special characters are optional, we strongly advise you to include at least one special character to make your password more secure.

7. My mobile number registered with AmBank is outdated. Can I proceed to register AmOnline?

Please walk-in to our nearest branch or contact our call centre to have your mobile number updated. We need your updated mobile number in order for you to register to AmOnline successfully.

8. Can I update my mobile number at nearest AmBank ATM?

No, the service is not available at our ATMs. Please walk-in to our nearest branch or contact our call centre to have your mobile number updated.

Quick Access*

1. What is Quick Access?

Quick Access allows you to leverage on biometric features available on your mobile phone (face / fingerprint recognition) or a 6-digit AmOnline PIN to quickly access your accounts summary, recent transactions history and perform low-value transactions.

2. Can I activate Quick Access in both the current and new AmOnline apps?

For iOS users
No, you can only activate Quick Access in one of the apps. If Quick Access is activated in one AmOnline app, you will need to log in using your password to use the other AmOnline app.

Note: The new AmOnline app is a separate app that you can search and download from the App Store. You are able to use both the current and new AmOnline apps at the same time.

For Android / Huawei users
Not applicable. The new AmOnline app is an upgrade to your current AmOnline app. Once upgraded to the new AmOnline app, you will need to re-activate Quick Access in order to use this feature to log in.

3. How do I know if my mobile phone supports biometric feature or do I only need to set up AmOnline PIN as my Quick Access?

AmOnline will know the type of the mobile phone that you are using and we will prompt you with appropriate Quick Access setup.

Quick Access	iOS Phone	Android Phone
Face ID	iPhone X and newer phone	Not supported
Touch ID / Fingerprint	iPhone 5s – 8/8+	Any android phone that supports fingerprint authentication
AmOnline PIN	iPhone 5 and older phone	Any android phone that does not support fingerprint authentication

4. What is Face ID?

Face ID is a facial recognition system introduced by Apple which can be used as an authentication for quick access. Face ID will be available only on iPhone X and above.

5. What is Touch ID / Fingerprint?

Touch ID / Fingerprint is available on iOS & Android devices which support fingerprint sensor and scanning. Touch ID / Fingerprint registered on your mobile device can be used for Quick Access authentication in AmOnline.

6. What is AmOnline PIN?

AmOnline PIN is only applicable to mobile phone that does not support biometric feature in which you can still enjoy the Quick Access benefits by setting up a 6-digit PIN.

7. How secure is Quick Access?

Quick Access is safe to use as your biometrics/AmOnline PIN which are encrypted and is securely stored in your mobile phone. The data does not leave your mobile phone and is never stored in the cloud or anywhere else.
Additionally, to safeguard your account, Quick Access is disabled for mobile phones which have been rooted or jailbroken.

8. How can I activate my Quick Access in AmOnline app?

You can activate Quick Access in AmOnline app during –

First time log in to AmOnline
At Settings, Log in to AmOnline > Menu > Sign-In & Security > Quick Access

Note: Quick Access can be activated only on AmOnline mobile app. This option is not available in AmOnline web browser.

9. I have activated Quick Access but why do I still get prompted for password?

Quick Access allows you to quickly access to summary of your accounts, transactions and performing low-value transactions. Password is still needed for other services in AmOnline and any high-value transactions.

10. Can I activate Quick Access in multiple mobile phone?

No, you cannot. You can only activate Quick Access in one mobile phone and your AmOnline profile must be bounded to that mobile phone.

11. I have AmOnline new app and AmOnline existing app. Can I log in with Quick Access in both app?

No, Quick Access is enabled only in one of the app. We encourage you to activate in the new AmOnline app.

12. I can’t remember which mobile phone I have my Quick Access activated. How can I check?

App: Menu > Sign-In & Security > Quick Access

Web: Settings > Sign-in & Security > My Device

The phone model/ type that is displayed at Quick Access settings is the mobile phone in which you have activated Quick Access. If you can’t see any phone model/type displayed, it means that you have not activated Quick Access.

13. If I lost my mobile phone, do I need to deactivate my Quick Access?

Yes, you need to deactivate Quick Access and this can be done in AmOnline web. Log in > Settings > Sign-In & Security > My Device and click on “Remove device”

14. If I have deactivated Quick Access, am I still able log in to AmOnline?

Yes, you can. You can still log in using your password.

15. What should I do if I am planning to sell one of my mobile device which is registered to the AmOnline mobile app?

We advise you to remove your Face ID/Touch ID/Fingerprint setup from your phone settings. Then, uninstall the AmOnline app.

AmSecure

1. What is AmSecure?

AmSecure is a higher security replacement for SMS TAC to authorise your transactions in the new AmOnline app and web. AmSecure is safer than SMS TAC as it binds your AmOnline User ID to your trusted mobile device.

With AmSecure, you no longer have to wait for SMS TAC to authorise your transactions. You just need to tap on Authorise in your trusted mobile device.

2. Is AmSecure safe to use?

Yes. In fact, it is safer than SMS TAC. AmSecure binds your AmOnline User ID to your trusted personal device. As such, all your AmOnline transactions can be only be authorised from your one trusted mobile device.

3. How do I authorise transactions using AmSecure?

App

After you Review & Confirm your transaction, you will be prompted to authorise your transaction via AmSecure.
Tap on the Authorise button if you are okay to proceed.

Web

After you Review & Confirm your transaction, you will be prompted to authorise your transaction via AmSecure.
A push notification will be sent to your trusted personal device.
Opening the notification will take you to a page seeking your authorisation.
Tap on the Authorise button if you are okay to proceed.

Note: If you did not receive any push notifications, please go to Menu > Approval in the app (before logging in)

4. How can I activate AmSecure in AmOnline app?

You can activate AmSecure in the new AmOnline app during

First time login, when you bind your phone to your AmOnline profile or,
Log in to AmOnline > Menu > Sign-In & Security > AmSecure.

Note: AmSecure can be activated only on AmOnline mobile app. This option is not available in AmOnline web browser.

5. When will I be asked to authorise transactions via AmSecure?

If AmSecure is enabled in your app, financial transactions of any amount will need to be authorised using AmSecure.

As per regulatory requirements, AmSecure is mandatory when your transaction is about to exceed the RM10,000/day limit.

We highly recommend you to download the latest AmOnline app and have AmSecure enabled to perform transactions of any amount securely.

6. For which transaction is AmSecure authorisation applicable?

Transfer Money (third party)
Pay Bills (new biller)
Transfer Overseas
Prepaid Top Up (new mobile number)
Balance Transfer
Quick Cash

7. I have AmBank Secure app and new AmOnline app. Which app do I need to use to approve my transactions?

Once you have the new AmOnline app, you no longer need the separate AmBank Secure app to approve your transactions. Activate AmSecure in your new AmOnline app for better and smooth experience. You can uninstall the AmBank Secure app.

8. I received an error message that my transaction is about to exceed RM10,000/day limit and I need to activate AmSecure transaction. Why?

To better protect you, AmSecure authorisation is mandatory for transactions that exceed the RM10,000/day limit. This checking is applicable to any transactions with an amount exceeding the RM10,000/day limit.

9. I have activated AmSecure in the new AmOnline app but I do not receive any push notifications on my mobile when I perform transactions using the web. Why and what should I do?

You have probably disabled your push notification from AmOnline app. To approve your transaction, you may go to AmOnline app > Menu at login (no need to log in) > Inbox > Approval tab. Tap on the transaction under pending and approve your transaction from there.

To turn on push notifications, after logging in to AmOnline:
you may go to Menu > Push Notification to check push notifications status. Turn on the push notification if it is turned off.

10. I received AmSecure push notification but I did not perform any transaction. What should I do?

DO NOT APPROVE ANY transactions that are not performed/initiated by you. Tap on the “x” on top right to cancel the transaction. If you feel your account has been compromised, please contact our contact center immediately to lodge a report.

11. Can I activate AmSecure in multiple mobile phones?

No, you can’t. You can only activate AmSecure in one mobile phone and your AmOnline profile must be bounded to that mobile phone.

12. How can I deactivate AmSecure?

Once AmSecure is deactivated, you will receive SMS TAC instead to authorise transactions.

13. I have deactivated AmSecure, am I still able to perform transactions in AmOnline?

Yes, you can. You can still complete your transaction by entering SMS TAC. However, for transactions with the amount exceeding RM10,000/day, you will be prompted to activate AmSecure.

14. How do I check which mobile phone I have activated AmSecure with?

You can check in both the AmOnline app and the AmOnline web browser. Log in to AmOnline > Menu > Sign-In & Security > AmSecure.

The phone model/type that is displayed at AmSecure settings is the mobile phone you have activated AmSecure with. If there is no phone model/type displayed, this means that you have not activated AmSecure.

15. If I lost my mobile phone, do I need to deactivate my AmSecure?

Yes, you need to deactivate AmSecure and this can be done at AmOnline web browser. Log in to AmOnline > Settings > Sign-In & Security > AmSecure to deactivate.

16. If I have deactivated AmSecure, am I still able log in to AmOnline?

Yes, you can. You can still log in with your password.

17. What should I do if I am planning to sell my mobile device which is registered to AmOnline mobile app?

We strongly advise you to deactivate your AmSecure setup from your phone settings before uninstalling the app from your mobile device.

Profile and Settings

Favorites

1. What is Favourites?

Favourites works like an address book where you see your Own profile at the top of the list followed by your Contacts. This area is used to save your account and your Contacts’ accounts so that you do not have to key in the account details again when performing transactions in future.

2. What is the difference between "Own" and "Others"?

Own (You)
This section is for you to add accounts that belong to you. Accounts that you can add here are:

Bank Account (CASA/Loan/Credit Card/Financing)
JomPAY/Non-JomPAY Biller
DuitNow ID
Overseas Account
Prepaid Top Up
eWallet Account

Others (Other than you)
In your Contact, you can add accounts that belong to that Contact. Accounts that you can add here are:

Bank Account (CASA/Loan/Credit Card/Financing)
DuitNow ID
Overseas Account
Prepaid Top Up
eWallet Account

3. How do I create a new Contact?

App
Log in to AmOnline > Menu > Favourites > Add New Favourite

Web
Log in to AmOnline > Settings > Favourites > Add New Favourite

4. How do I add a new Account to a Contact?

App
Log in to AmOnline > Menu > Favourites > Select Contact > Add New Account > Select Account Type > Fill in Account details and Confirm with TAC

Web
Log in to AmOnline > Settings > Favourites > Select Contact > Add New Account > Select Account Type > Fill in Account details and Confirm with TAC

5. How do I edit a Contact?

App
Log in to AmOnline > Menu > Favourites > Swipe left on Contact to edit

Web
Log in to AmOnline > Settings > Favourites > Click on the Contact > Click on the Edit icon

6. How do I delete a Favourite Contact?

App
Log in to AmOnline > Menu > Favourites > Swipe left on Contact to delete > Delete this Contact

Web
Log in to AmOnline > Settings > Favourites > Click on the Contact > Click on the Delete icon

7. How do I edit an Account within a Favourite Contact/Profile?

App
Log in to AmOnline > Menu > Favourites > Tap on Contact > Tap on Edit on the Account

Web
Log in to AmOnline > Settings > Favourites > Click on the Contact > Click on the 3 dots > Click on Edit

8. How do I delete an Account within a Favourite Contact/Profile?

App
Log in to AmOnline > Menu > Favourites > Swipe left on Contact to delete > Tap on Delete on the Account

Web
Log in to AmOnline > Settings > Favourites > Click on the Contact > Click on the 3 dots > Click on Delete

Sign-in & Security (My Device)

1. What is Sign-In & Security?

Profile settings allows you to set up settings regarding your log in and security in AmOnline such as Quick Access log in, password, security image and more

2. I have chosen my security image when registering in AmOnline. Why do I need to change security image then?

Security image allows you to verify that you are logged in to your account from AmOnline and not from phishing website. We advise you to change your security image periodically to protect your log in.

3. How secure is the security image in AmOnline?

We have lots of security images in AmOnline. AmOnline will randomly display few of the security images for your selection. Therefore, it is difficult for an unauthorized party to display your selected image for verification.

4. Can I upload my own image as my security image?

For security reasons, you are unable to upload your own image. However, we provide lots of security images for your selection.

5. I can see my last password changed is XX days ago. What do I need to do with it?

Last password changed shows the number of days that you have last changed your password. If you have never changed your password, the number of days is calculated from the day you registered for AmOnline.

If you see your last password changed is more than 90 days, we advise you to change your password to make your online banking safer.

6. Why am I prompted to change my password after I log in to AmOnline?

This means that you have not changed your password since the implementation of our new password policy on 26th August 2019. We strongly encourage you to change your password to make your online banking safer.

7. How do I create a good AmOnline password that is secure?

To prevent unauthorized access to your AmOnline account, take a look at the DO’s and DON’T’s below

DO	DON'T
Create a password combination of Uppercase letters Lowecase letters At least a number and At least one special character (e.g !@#*$)	DO NOT choose a password which is the same as your username
Memorise your password	DO NOT choose your name, date of birth or your phone number as your password
Change your password frequently	DO NOT share your password with everyone
Create a password that is hard to guess	DO NOT store your password in internet browser

8. I want to reset my password to a hard-to-guess password. What is a hard-to-guess password?

To create a hard-to-guess password, your password must have combination of uppercase letters, lowercase letters, numbers and special characters. Try the following method but do not copy the examples:

Think of a short sentence and use a combination of uppercase letter, lowercase letters, numbers and special characters
E.g: Running in the rain -> ruNn1ng!n5heR@in
E.g: I love my parents -> 1L@v5paRent$
Use a lyrics or poem
E.g: I believe I can fly -> !Wan5T@fL9
E.g: The Lion Roars -> Th37!@nR0ar5

9. Besides setting a strong password, how else can I keep my account safe & secure?

There are many ways to keep your account secure. One of the ways is to always be aware of the most common types of e-Banking Scams. You can refer to the most common types of banking scams at Security Alerts in our website, where we also provide security tips to protect yourself when banking online.

10. Can I use a 3rd-party keyboard when using AmOnline?

No. Do not use a 3rd-party keyboard app when using AmOnline as it can cause malicious or unintentional compromise of your banking data.

For example, a 3rd-party keyboard app may be vulnerable to keylogging. This means that what you type is being tracked and recorded by hackers without your knowledge. This potentially exposes your private and sensitive information such as card details, banking details, and personal details.

It is highly recommended to use your mobile device’s built-in keyboard instead of any 3rd-party keyboard apps.

11. What happen if I choose to continue using third party keyboard?

You may continue banking as usual, however, it can cause malicious or unintentional compromise of your banking data.
You will not get prompted again with the pulldown error message the next time you log in and when you kill or exit AmOnline App. You will only get prompted with the message again if you uninstall and reinstall back the AmOnline app.

12. What happen if I choose to switch to system (default) keyboard?

You will be redirected to the keyboard settings in your device and once you have switched to system (default) keyboard, you can go back to AmOnline to continue banking.
Pulldown error message should not be prompted after you have switched to system (default) keyboard.

13. What is Quick Access and AmSecure?

For Quick Access and AmSecure, refer to Quick Access and AmSecure

Contact and Support (including AmMail)

1. What should I do if I still have more questions?

You can report any issues, raise queries or leave a feedback through our online messaging platform, AmMail.

App
Menu > Inbox > AmMail > Create New Message.
Web
Inbox (Mail icon) > AmMail > Create New Message

More details of the AmMail feature are listed below.

2. What is the AmMail feature in AmOnline?

The AmMail feature is a messaging platform in AmOnline which allows you to report any issues, raise queries or leave a feedback. These will directly reach our Contact Center.

3. How do I send my queries using AmMail?

- App
  Menu > Inbox > AmMail > Create New Message.

Web
- Inbox (Mail icon) > AmMail > Create New Message

4. Can Contact Centre reply my messages?

Yes, our Contact Centre agents will reply to your messages as soon as they can.

App
- You will receive notifications when our agents reply, if you have push notifications enabled.
Web
In the web, you will see a blue dot in your Mail icon to indicate new items in Inbox.

5. Can I send more than one message?

Yes, you can.

6. Can I continue replying to a conversation that has been resolved (closed)?

No, once the conversation has been closed by our agents, you would need to create a new message.

7. My query has been resolved. Can I delete the conversation?

Yes, you may.

App
- Swipe left on the conversation > Tap “Delete”.
Web
Tap on the 3 vertical dots > Tap “Delete”

DuitNow Registration & Settings

1.What is DuitNow?

DuitNow is a real–time electronic fund transfer service where you can make payments to a recipient by using Proxies or Identifier (ID) or a bank account number. This means that your transfers will be received in an instant!

2. What is DuitNow ID?

DuitNow ID, also referred to as National Addressing Database (NAD) ID, is a registered identifier which is linked to your bank account. The permitted identifier that can be used as a DuitNow ID are as follows: -

Mobile number
NRIC number
Army number or Police Number
Business Registration Number
Passport Number

3. How do I register my DuitNow ID?

App: Menu > DuitNow Settings > Register / Add new mobile number

Web: Settings > DuitNow Settings > DuitNow ID > Register / Add Mobile Number

4. How many DuitNow ID can I register?

You can register up to 5 DuitNow IDs which consists of 4 mobile numbers and 1 identification number (NRIC, Passport, Army/Police Number).

5. Can I link my DuitNow ID to more than one account?

No, one DuitNow ID can only be linked to one account at any one time. However, you can link more than 1 DuitNow ID to the same account.

6. How can I activate or deactivate my DuitNow ID?

App: Menu > DuitNow Settings > Swipe left to Activate / Deactivate

Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Activate / Deactivate

7. How can I change my receiving account?

App: Menu > DuitNow Settings > Swipe left to Edit > Select your preferred receiving account. Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Edit

8. How can I switch my DuitNow ID from another bank to AmBank?

App: Menu > DuitNow Settings > Swipe left to Switch > Select your preferred receiving account

Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Switch > Select your preferred receiving account

9. How do I delete my DuitNow ID?

App: Menu > DuitNow Settings > Swipe left to Switch > Select your preferred receiving account

Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Switch > Select your preferred receiving account

10. What accounts can I choose to link my DuitNow ID with?

You may link your DuitNow ID to your AmBank or AmBank Islamic current or savings account/-i.

Forgot Username & Password

1. I have forgotten my AmOnline username or password. What should I do?

We can retrieve your AmOnline username and reset your password. You will need to select the correct card/account type to retrieve your username. Allow us to authenticate you before retrieving your username or reset password. Follow the step-by-step throughout the process.

2. How do I know which card/account type to choose when retrieving username or resetting password?

Always choose a card/account with the highest security control over your AmOnline account - debit card is the best, followed by credit card/card-i and lastly, loan/financing account.

3. I registered for AmOnline using an old credit card/card-i and I have that credit card/card-i replaced. Can I retrieve my AmOnline username or password with the new credit card/card-i?

Yes, you can.

You can also use your AmBank debit card if you have one.

4. I have both debit card and loan/financing with AmBank. Can I use loan/financing to retrieve my AmOnline username?

No, you must use your debit card for this purpose. Debit card has a better security control over your AmOnline account.

5. How to create a hard-to-guess password?

Your password must have a combination of uppercase and lowercase letters, numbers and special characters. Try the following method but do not copy the examples:

Think of a short sentence:
E.g: Running in the rain -> ruNn1ng!n5heR@in
E.g: I love my parents -> 1L@v5paRent$

Use a lyric or poem
E.g: I believe I can fly -> !Wan5T@fL9
E.g: The Lion Roars -> Th37!@nR0ar5

Account Settings

CASA Account Settings

1. What is default account?

Default account is the primary account that you use most frequently in AmOnline. It allows you to perform transactions easily as you no longer need to select manually the “From” account for each transaction that you perform.

You can set your default account in AmOnline. Log in to AmOnline > Tap on the preferred Current or Savings Account/-i> Settings tab > Turn on “Set as Default”.

2. Can I change my default account? How?

Yes, you can change your default account. Log in to AmOnline > Tap on the preferred Current or Savings Account/-i > Settings tab > Turn on “Set as Default”. AmOnline will switch your default account automatically to the latest one.

3. If I have a default account, can I still change the account I want to transfer from during transaction?

Yes, you can still select the “From” account during transaction. If you usually transact from a specific account, we advise you to set that account as your default account, for easier and faster transactions.

4. What is “Show on AmOnline”?

“Show on AmOnline” means your Current or Savings Account/-i is viewable to you and transact-able in AmOnline. We advise you to enable the “Show on AmOnline” settings for your accounts so that you can perform transactions from those accounts via AmOnline.

5. I am not able to see my Current or Savings Account/-i in AmOnline. Why?

Your account may have been hidden. To unhide, log in to AmOnline > Settings Menu > Account & Card Settings > Savings & Current Settings > At Hidden Accounts section, swipe to unhide.

6. What is the purpose of changing account nickname?

By default, AmOnline will show the account type that you have opened with AmBank at the dashboard. Changing account nickname changes the account type displayed, to your preferred name for easy identification.

Fixed Deposit / Term Deposit-i Account Settings

1. What is “Show on AmOnline”?

“Show on AmOnline” means your FD/TD-i is viewable to you in AmOnline. We advise you to enable the “Show on AmOnline” settings for your accounts so that you can have a total view of all your FDs/TDs-i and allows you to know your FD/TD-i maturity date.

2. I am not able to see my fixed deposit / term deposit-i in AmOnline. Why?

Your FD/TD-i may have been hidden. To unhide, log in to AmOnline > Settings Menu > Account & Card Settings > Fixed / Term Deposit Settings > At Hidden Accounts section, swipe to unhide.

3. What is the purpose of changing account nickname?

By default, AmOnline will show the FT/TD-i type that you have opened with AmBank at dashboard. Change account nickname allows you to change the FT/TD-i type displayed to your preferred name for your easier identifier. E.g FD 2 to 12 months. Suggestion: to “FD 2 mths 3.15%p.a”

By default, AmOnline will show the FT/TD-i type that you have opened with AmBank at the dashboard. Changing account nickname changes the FT/TD-i type displayed, to your preferred name for easy identification.

Example:
Original name: FD 2 to 12 months.
Changed to: FD 2 mths 3.15%p.a

Loan / Financing Account Settings

1. What is “Show on AmOnline”?

“Show on AmOnline” means your loan/financing account is viewable to you in AmOnline. We advise you to enable the “Show on AmOnline” settings so that you can have a total view of all your loans/financings and get alerted when your payment is about to be due.

2. I am not able to see my loan / financing account in AmOnline. Why?

Your loan/financing account may have been hidden. To unhide, log in to AmOnline > Settings Menu > Account & Card Settings > Loan / Financing Account Settings > At Hidden Accounts section, swipe to unhide.

3. What is the purpose of changing account nickname?

By default, AmOnline will show the loan/financing account type that you have opened with AmBank at the dashboard. Changing account nickname changes the loan/financing account type displayed, to your preferred name for easy identification.
Example:
Original name: Personal Loan
Changed to: My study loan

Investment Account Settings

1. What is “Show on AmOnline”?

“Show on AmOnline” means your Investment account is viewable to you in AmOnline. We advise you to enable the “Show on AmOnline” settings so that you can have a total view on all your investment portfolio and gains/losses.

2. I am not able to see my investment account in AmOnline. Why?

Your investment account may have been hidden. To unhide, log in to AmOnline > Settings Menu > Account & Card Settings > Wealth Settings > At Hidden Accounts section, swipe to unhide.

3. What is the purpose of changing account nickname?

By default, AmOnline will show “Investment Account” at the dashboard. Changing account nickname changes this to your preferred name for easy identification.
Example:
Original name: Investment Account
Changed to: Joint UT with Mom

Insurance Account Settings

1. What is the purpose of changing account nickname?

By default, AmOnline will show “Motor Private Car” at the dashboard. Changing account nickname changes this to your preferred name for easy identification.

Example:
Original name: Motor Private Car
Changed to: My Proton X70

Transaction Limits

1. How do I change my transaction limit?

App
Log in to AmOnline > Menu > Transaction Limit > Edit the type of transaction you prefer

Web
Log in to AmOnline > Settings > Transaction Limit > Edit the type of transaction you prefer

2. Can I edit the limit for more than 1 transaction type at one time?

Yes, you can edit multiple transaction types at one time. Simply tap edit on another transaction type after editing a particular transaction type.

3. What is the default limit?

The default limit is the limit set for each transaction type when you first register for AmOnline.

4. I have just registered for AmOnline. Why am I unable to change my transaction limit?

For security reasons, you are only able to change your transaction limit after 24 hours upon registering for AmOnline.

5. What is the maximum daily transfer limit for each transaction type?

Transaction Type	Default Limit	Maximum Limit
Quick Access Limit	RM250.00	RM250.00 (per transaction limit)
Own AmBank Account	RM5,000.00	RM9,999,999.99
Other AmBank Account	RM5,000.00	RM50,000.00
IBG/DuitNow/QR (shared limit)	RM5,000.00	RM50,000.00
Overseas Account (Remittance)	RM5,000.00	RM10,000.00
Bill Payment/JomPAY	RM5,000.00	RM10,000.00
Prepaid Top Up	RM100.00	RM500.00
AmInvestment Bank	RM750,000.00	RM750,000.00
FPX/Online Shopping	RM5,000.00	RM30,000.00
Wealth Unit Trust Investment	RM50,000.00	RM3,000,000.00
FPX Specific Merchant	RM5,000	Depending on merchant

6. What is the Quick Access limit?

Quick Access Limit allows you to complete a transaction by just logging in using Quick Access, provided the transaction amount is within the default limit of RM250 or the limit set. Currently, Quick Access limit is only applicable for DuitNow QR and will be extended to other transactions in the future

7. What can I do if I need to transfer more than the daily limit?

For security reasons, you are only able to transfer up to the maximum amount set for the day. If there is a need to transfer a higher amount, kindly visit our branch to perform the transfer.

8. What is a shared limit?

For IBG, DuitNow or QR transactions, the daily limit will be shared among the services.
E.g. If you have performed IBG transactions of RM20,000 for the day, the remaining limit for DuitNow and QR will be RM30,000.

Push Notifications

1. What is Push Notifications?

A push notification is a new and secure way of delivering transaction notifications to your mobile phone via AmOnline app.

2. What is Transaction Notifications?

Upon completion of a transaction in AmOnline, AmOnline will notify customers of the successful transactions. If you receive a notification but is not performed by you, call our contact center immediately.

3. What is the difference between SMS & Push Notification?

SMS is a common type of instant messaging sent by your mobile telco to your mobile phone where your SIM card is installed. Push Notification is an instant messaging that uses the internet and pushes notifications to your mobile phone where the app is installed.

4. I cleared all my push notifications from the lock screen. Can I view again my transaction notifications after that?

Yes, go to Menu > Inbox > Notifications.

5. Can I choose to receive my transaction notifications via SMS or Push Notification?

No. Once you log in to our new AmOnline app, you will be registered to receive notifications through our app immediately. Wait no more to receive your alerts through SMS from your telco.

6. Why do bank wants all my transaction notifications sent through push notification? What is the benefit of doing so?

You no longer need to search through all your SMS messages to find your AmOnline transaction notifications in different short codes. You can view all your AmOnline transaction notifications at a single place which is at the AmOnline app.

7. I did not receive any push notification even though I am using the AmOnline app. Why?

To receive push notification from AmOnline app, your mobile phone must have allowed access to AmOnline app to send notifications.

For iPhone,

Go to “Settings”
Scroll down and select “AmOnline”
Select “Notifications”
Toggle to “Allow Notifications”

For Android phone

Go to Settings
Select “Notifications”
Select “AmOnline”
Toggle to “Allow Notifications”

Note: Different phone model will have different steps of enabling the notifications.

After allowing notifications from the mobile phone, log in to AmOnline app > go to Menu > Turn Off or On the “Push Notification” again.

8. Can I receive the transaction notifications via Push Notification when I am overseas?

Yes. As long as your mobile phone is connected to internet and your mobile phone allows notifications from AmOnline app.

9. I have changed my mobile phone and I have bounded my AmOnline Profile to my new phone. Will I receive the push notification on my new phone?

Yes, you will receive the push notification on your new phone. After your AmOnline Profile is bounded to your new phone, your previous phone will be unbounded automatically and no notifications will be pushed to your old phone.

10. I received a push notification for a transaction that is not performed by me. What should I do?

Please call our contact center immediately to lodge a report.

SMS TAC

1. What is SMS TAC?

TAC refers to Transaction Authorisation Code that is sent through SMS to your registered mobile number for you to authorise your transaction.

2. I have activated AmSecure, do I still need to wait for SMS TAC?

Yes, there are certain actions in AmOnline that still require SMS TAC. Refer below:

Changes to Settings
Any applications in AmOnline
First time login to AmOnline

3. My mobile phone is bounded to my AmOnline profile. Do I still need SMS if I log in from my bounded device?

No, SMS TAC is no longer required if you are logged in from your bounded mobile phone.

SMS TAC is required only if:

You log in for the first time from a mobile phone.
You have uninstalled and installed again the AmOnline app from Google Play Store / App Store / Huawei App Gallery.
You have cleared your AmOnline app data / cache

4. Why do I need to enter SMS TAC when I login to AmOnline web?

We have upgraded our security measures to better protect your account. SMS TAC is required to authorise your AmOnline access from a new browser.

5. Do I need to enter TAC every time I login to AmOnline web?

No. Browsers that has been authorised previously will not require SMS TAC input again at login.

However, SMS TAC is still required at login for the following cases:

You have updated your web browser cache
You have uninstalled and installed again the browser
You have cleared your browser’s cookies
You have set your browser to private / Incognito mode
You have plugin blocker enabled

* Available on the mobile app only

Payments and Transfers

Transfers

Transfer Money

1. Who can I transfer money to?

You can transfer from your own AmBank account to other accounts within AmBank or other banks’ accounts.

For transfer to a new recipient, you can transfer to a mobile number, savings or current account, credit card, loan account, eWallet account or identity number.

For transfer to your own account or favourite, select ‘Own/Favourite’ tab to transfer to your own accounts or saved favourites.

2. How do I transfer money on AmOnline?

Transfer to new recipient	Transfer to Own/Favourite (refer to Q3 for transfer using own account from other bank to AmOnline via FPX)
Select transfer type Select bank/provider (if applicable) Key in mobile/account/credit card/loan/id number Key in amount and choose to Transfer Now or Transfer Later Key in reference Select preferred debiting account Check your transfer details Proceed with authentication View your status and receipt	Select own/favourite account Key in amount and choose to Transfer Now or Transfer Later Key in reference Select preferred debiting account Check your transfer details Proceed with authentication View your status and receipt

3. How do I transfer money from my other bank account using AmOnline?

Select own AmBank CASA
Key in amount and choose Transfer Now
Key in reference
Select Transfer via FPX at debiting account selection
Select bank
Proceed with authentication at other bank
View your status and receipt

4. Is the transfer from other bank via FPX immediate?

Yes, it is immediate if your other bank’s account belongs to you. You can see the transaction is successful and displayed at your AmOnline dashboard immediately.

5. I performed a transfer via FPX but transaction shows “Pending Verification”. My other bank’s account belongs to me. Why is my transaction pending verification but my other bank account balance is deducted?

For security reason, we need to verify you further. Follow the simple steps below for us to verify you further:

Log in to AmOnline
Scroll down to Recent AmOnline History. You can find the pending verification transaction displayed at Recent AmOnline History.
Tap/Click on the transaction to expand the transaction view, then tap/click on Verify Now.
Enter the same other bank account number that you selected during placement earlier.
Upon successful verification, you can see the transaction is displayed at your AmOnline dashboard.

6. My transfer via FPX shows “Transfer Pending Verification” and requires me to enter other bank account number to verify me further. What will happen to my placement if I do not perform the verification?

You are required to perform the verification within the same day of your transaction date. If you do not perform the verification, your transaction is considered unsuccessful by end-of-day. AmBank shall refund your transaction amount to your other bank account in the next business working day.

7. I forgot to perform the verification and I received notification that my transaction is unsuccessful. I checked my other bank account and my money has yet to refund to me. What should I do?

Money will be refunded to you the next business working day. Check your account again by end of the day. Please contact our call center if you still have not received the refund.

Note: Business working days refers to weekdays; exclude public holidays.

8. I performed a FD/TD-i placement via FPX but transaction shows “Transfer Accepted for Processing”. Why my transaction is accepted for processing but my other bank account balance is deducted?

For security reason, we need to verify you further. We will notify your transfer status via app notification & email. You can also check the status at your AmOnline dashboard; at Recent AmOnline History after one hour.

DuitNow
DuitNow is a real-time remitting funds service which will be reflected immediately to the beneficiary's DuitNow ID or account.

9. How long is the processing time for 3rd Party AmBank/DuitNow/IBG transfers?

For 3^rd party account or DuitNow transfers, it will be processed immediately. For transfer via Interbank Giro (IBG), it will be processed according to the specific cut-off times.

10. What is the difference between “IBG” and “DuitNow”?

IBG
IBG is a remitting funds service which is not reflected immediately to the beneficiary’s account and subjected to the specific cut-off times for processing. Kindly refer here for more information.

DuitNow
DuitNow is a real-time remitting funds service which will be reflected immediately to the beneficiary's DuitNow ID or account.

11. I used to transfer via “Instant Transfer”. Why is the option no longer available?

Instant Transfer service has been rebranded to DuitNow. For more information in DuitNow, kindly refer here.

12. Is there any charges for using IBG or DuitNow?

For transactions within AmBank accounts, there is no charges. For IBG transactions, there will be a nominal service fee of RM0.10 per transaction. For DuitNow transactions, there is no charges for transaction of RM5,000 and below. For transaction above RM5,000, there will be a nominal service fee of RM0.50 per transaction.

However, at present, we are pleased to inform that for AmBank customers, ALL charges are waived until further notice.

13. Why is there an option to enter the recipient ID for IBG transaction?

You can enter the recipient ID to validate against the account number entered if you wish to before the transaction is processed. Given that the recipient ID does not match the account number entered, the transaction will be rejected.

14. Why is there is no option to enter the recipient ID for DuitNow transaction to validate the recipient?

For DuitNow transaction, during the review & confirm section, the beneficiary name will be shown with a “Tick” to verify the recipient name. If the beneficiary name displayed is different from the person you intend to transfer to, please do not proceed and verify the details you have entered previously again.

15. Why am I not able to enter special characters or symbols in recipient reference and other details?

For AmBank or IBG transfers, special characters or symbols are not allowed. For DuitNow transfers,only common special characters such as +'_-.,\()/:?@ are allowed.

16. How do I repeat a past transaction?

You can repeat a past transaction by searching the transaction on AmOnline History and tap on ‘Repeat’.

17. How do I view the details of my past transactions?

For transactions performed using AmOnline, you can view your it in AmOnline History. Subsequently, you can also view your account transaction history in your account details transaction.

18. What if I do not have sufficient funds in my account?

If you are making a payment with insufficient funds, you will see an error message. If it is a 'Scheduled Transaction', your payment will not go through on the scheduled date.

19. How do I share transaction receipt of the payment I just made?

After making a transaction/payment, you can tap on the ‘Share Receipt’ button. Alternatively, you can view your transaction in AmOnline History to view and share the receipt.

20. What is Cash Advance?

Cash Advance allows you to withdraw immediate cash from your credit card available cash balance to your AmBank current/savings account. To perform Cash Advance, go to Credit Card Account Details > Quick Actions > Cash Advance.

Transfer Overseas (Remittance)*

1.What is Transfer Overseas?

Transfer Overseas is a service on AmOnline whereby customers can remit or transfer money to beneficiaries around the world. You may also transfer to your children studying abroad as well as friends or relatives travelling or living abroad provided that they have an account to receive the funds.

2. Who can use AmOnline Transfer Overseas?

All AmOnline users with savings and/or current accounts can use this facility.

3. How long does it take to process my transfer?

All Transfer Overseas requests will be processed at the Remittance Centre located in Kuala Lumpur on the next working day. For requests submitted on Saturday, Sunday and Kuala Lumpur Federal Territory Public Holidays, your request will be processed on the next Kuala Lumpur Federal Territory working day. The actual time taken for beneficiary to receive the money will depend on the respective agent or beneficiary bank.

4. What is the daily transaction limit?

You can transfer RM250 at minimum and a maximum of up to RM10,000 per day.

5. How do I transfer overseas in AmOnline?

Transfer to new recipient	Transfer to Own/Favourite
i. Select currency	i. Select currency
ii. Input amount	ii. Input amount
iii. Input recipient’s bank details and recipient’s details	iii. Select favourite
iv. Select purpose of payment	iv. Select purpose of payment
v. Key in additional information/reference	v. Key in additional information/reference
vi. Select preferred debiting account	vi. Select preferred debiting account
vii. Check your transfer details	vii. Check your transfer details
viii. Proceed with authentication	viii. Proceed with authentication
ix. View your status and receipt	ix. View your status and receipt

6. How much are the transaction charges to transfer overseas via AmOnline?

Telegraphic Transfer (payable in Foreign Currency)	Cable charges / processing fee (Singapore)	RM10.00
	Cable charges / processing fee (Thailand)	RM15.00
	Cable charges / processing fee (Others)	RM25.00
	Agent charges	Will be borne by the beneficiary
Foreign Worker Remittance (Service available only for remittance in IDR to Indonesia)	Service charge	RM10.00 per application
	Rejected application (Due to transaction rejected by Agent Bank)	RM5.00 per application and IDR 30K per application

7. Will there be any other bank charges incurred by the recipient?

The foreign bank may charge extra costs to the recipient of the fund. This is usually deducted from the total payable to the beneficiary.

8. Can my Transfer Overseas request be reversed and refunded immediately upon submission?

No, your Transfer Overseas request will be returned only if any beneficiary details are incorrect or rejected by your beneficiary’s agent bank. The service charge incurred is not refundable.

9. Who do I contact if the recipient does not receive the money?

Please contact our Contact Centre hotline at +603 2178 8888 if you have any enquiries.

10. What are the possible reasons for a transaction to be rejected?

The transaction could be rejected due to: -

Wrong account number,
Payment to a deceased account holder or closed account,
Account cannot be credited due to other reasons determined by the foreign banks.

11. What is BSB/Transit/IFSC/Sort/ABA Routing Number and how do I obtain this information?

BSB Code	BSB Code is required for AUD currency transfer to Australia.
Transit Code	Transit Code is required for CAD currency transfer to Canada.
IFSC Code	IFSC Code is required for INR currency transfer to India.
Sort Code	Sort Code is required for GBP currency transfer to United Kingdom.
ABA Routing Number	ABA Routing Number is required for USD currency transfer to United States.

Please obtain the information from the beneficiary or beneficiary’s bank.

Scheduling a Transfer

1. What is scheduled transfer?

Scheduled payment and transfers shows your one off future or recurring transactions at a pre-set timing and amount to a designated beneficiary account of your choice.

You can have funds transferred and bills paid automatically at the date you want it to be transmitted. Please ensure there are sufficient funds in your account or else your payment will not go through on the scheduled date.

2. How do I set a one-time/recurring transaction?

After keying in your amount, you can choose to transfer/pay now or later. By selecting later, you can set to transfer at a future date. To set as recurring, select the ‘Set as recurring’ checkbox and proceed.

3. What is the difference between one-off and recurring transaction?

One-Off

Only performs this transaction once.
It can be executed at a future date.

Recurring

The payment can be repeated at the frequency you preferred:
Weekly
Monthly
Yearly

The recurring payments can be set based on the effective date and end date or repeated up to 99 times. Selecting the end date will auto calculated the number of times based on the frequency and vice versa.

4. I have set a one-off/recurring transaction. How do I view my active scheduled transactions?

App
Log in to AmOnline > Menu >Scheduled Transactions

Web
Log in to AmOnline > Settings >Scheduled Transactions

5. I have set a one-off/recurring transaction. How do I change the transaction date?

To change the transaction date, kindly delete the current scheduled transaction and set a new date accordingly.

6. I have set a one-off/recurring transaction and no longer want to continue. How do I delete the scheduled transaction?

App
Log in to AmOnline > Menu > Scheduled Transactions > Swipe left or tap on the transaction to delete

Web
Log in to AmOnline > Settings > Scheduled Transactions > Click on the 3 dots > Click on Delete

For recurring transaction, you can choose to delete the upcoming transaction or the entire series.

DuitNow Registration & Settings

1.What is DuitNow?

2. What is DuitNow ID?

Mobile number
NRIC number
Army number or Police Number
Business Registration Number
Passport Number

3. How do I register my DuitNow ID?

App: Menu > DuitNow Settings > Register / Add new mobile number

Web: Settings > DuitNow Settings > DuitNow ID > Register / Add Mobile Number

4. How many DuitNow ID can I register?

You can register up to 5 DuitNow IDs which consists of 4 mobile numbers and 1 identification number (NRIC, Passport, Army/Police Number).

5. Can I link my DuitNow ID to more than one account?

No, one DuitNow ID can only link to one account at any one time. However, you can link more than 1 DuitNow ID to the same account.

6. How can I activate or deactivate my DuitNow ID?

App: Menu > DuitNow Settings > Swipe left to Activate / Deactivate

Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Activate / Deactivate

7. How can I change my receiving account?

App: Menu > DuitNow Settings > Swipe left to Edit > Select your preferred receiving account.

Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Edit

8. How can I switch my DuitNow ID from another bank to AmBank?

App: Menu > DuitNow Settings > Swipe left to Switch > Select your preferred receiving account

Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Switch > Select your preferred receiving account

9. How do I delete my DuitNow ID?

App: Menu > DuitNow Settings > Swipe left to Switch > Select your preferred receiving account

Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Switch > Select your preferred receiving account

10. What accounts can I choose to link my DuitNow ID with?

You may link your DuitNow ID to your AmBank or AmBank Islamic current or savings account/-i.

DuitNow QR*

1. What is DuitNow QR?

DuitNow QR is a hassle-free and secured instant fund transfer service that enables you to make and receive funds nationwide by using a DuitNow QR code, which is also known as Malaysia’s National QR code. DuitNow QR is an industry-wide initiative governed by Payments Network Malaysia Sdn Bhd (PayNet). More information on PayNet can be found here

2. What can I use it for?

You can perform DuitNow QR payment at selected merchant or to a person when DuitNow QR code is presented. You can also receive money by letting a person scan your DuitNow QR code generated specifically for you on AmOnline.

3. How can I start using DuitNow QR?

To pay to a merchant or peer:
Launch AmOnline app > Tap on “Scan QR” > Scan a DuitNow QR code

To receive money:
Launch AmOnline app > Tap on “Scan QR” > Tap on “Show to Receive” to generate a QR code > Show or share your DuitNow QR code to your payer.

Note: If you have yet to set up your default account for DuitNow QR, you will be prompted to do so before you are able to generate a DuitNow QR code.

4. Where can I use DuitNow QR/who can I pay to?

Look out for a DuitNow QR code standee at participating merchant outlets. You can also pay to any person who can generate a DuitNow QR code on any participating mobile banking app. Click here to see list of participating banks and non-banks.

5. How do I make payments/transfer funds with DuitNow QR?

DuitNow QR payments/transfers will be processed immediately.

6. When will I receive the fund when someone has scanned my DuitNow QR code?

You should receive the fund instantly once the payer has successfully completed the transaction at his/her end. Once the fund is credited to your account, you will be notified via SMS and email.

7. What account can I use for DuitNow QR payment?

You can use either your Current/-i Account, Savings/-i Account or your Credit Card/Card-i to make payments. However, Credit Card is only allowed if the merchant accepts credit card payment.

8. Do I have to pay for using DuitNow QR services?

There will be no charges associated when performing DuitNow QR services at the moment.

9. How secure is DuitNow QR?

AmOnline app requires device binding to your personal device before you are able to use DuitNow QR. This is to ensure that only you can access to your account via your bounded device.

For any DuitNow QR payment at merchant, the payment has to be authenticated with Quick Access or password. Learn more about Quick Access.

For any fund transfer to a person using DuitNow QR, the transfer also needs to be authenticated with AmSecure/TAC. Learn more about AmSecure.

Each DuitNow QR transaction amount is also subject to the Quick Access Limit and daily transaction limit set.

10. What is Quick Access Limit?

With Quick Access limit, you can complete a DuitNow QR transaction by just logging in using Quick Access, provided the transaction amount is within the default limit of RM250. For any transactions above the default limit, password authentication is required for security purposes.

11. What is the daily transaction limit for DuitNow QR?

The daily limit for DuitNow QR is a combined limit between Interbank GIRO (IBG) and DuitNow.

You can maintain your preferred Quick Access/DuitNow QR transaction limit in the AmOnline app/web:

App
Log in to AmOnline > Menu > Transaction Limit

Web
Log in to AmOnline > Settings > Transaction Limit

12. The merchant or I, have made an erroneous transaction. What should I do?

If you are at the merchant’s premise, kindly settle the dispute with the merchant directly. If there is a need for further investigation, kindly report this matter to AmBank Contact Centre at +603-2178 8888.

13. How can I view the details of my past payment transactions?

You can view the details at Recent AmOnline Transactions or your account Transaction History.

14. What if I do not have sufficient funds in my account?

You will see an “Insufficient Balance” message and will be unable to proceed with the transaction.

15. Why do I have to link my Current/-i Account or Savings/-i Account for DuitNow QR?

DuitNow QR setup is mandatory in order to generate a DuitNow QR code. The account linked will be the default account for you to make payments and receive incoming funds.

16. What type of accounts may I link to my DuitNow QR?

You may link your DuitNow QR to any of your active Current/-i Account or Savings/-i Account.

17. How do I change my DuitNow QR default account?

App
Log in to AmOnline.> Menu > DuitNow QR Settings > Tap on DuitNow QR and select your preferred account.

Web
Log in to AmOnline.> Settings > DuitNow QR Settings > Tap on DuitNow QR and select your preferred account.

18. How many accounts can I link to my DuitNow QR?

You can only link one (1) Current/-i Account or Savings/-i Account with one (1) device only.

19. Am I able to use DuitNow QR overseas?

No, DuitNow QR is currently available for use in Malaysia only.

Bill Payment

Pay Bills

1. What is Pay Bills?

Pay Bills allow you to pay your bills through AmOnline. You can pay to either your favourite JomPAY or Non-JomPAY billers or to new JomPAY or Non-JomPAY billers.

2. How do I pay bills at AmOnline?

You may go to Quick Actions > Pay Bills.

You are able to pay to new JomPAY or new Non-JomPAY billers, or you can pay to billers that you have saved as your Favourites.

You can also pay to multiple JomPAY billers or multiple Non-JomPAY billers (up to 5) at one time. However, you cannot select to pay a JomPAY biller and a Non-JomPAY biller at the same time.

3. Which account can I choose to pay bills?

You can choose to pay bills with your AmBank Current/Savings Account or your AmBank Islamic Current/Savings Account-i.

Some billers accept Credit Card/-i payments as well. Please check with your respective billers if they accept credit card payments.

4. After I have performed pay bills, how long will it get processed?

The processing time for your bills to be updated may take up to 2 or 3 working days from the transaction date.

5. Do I get charged for paying bills via AmOnline?

No, you will not get charged by AmBank for paying bills via AmOnline. However, some billers may impose a service charge (example: for payment to PTPTN, the service charge is RM0.50). Charges will be displayed on the screen upon performing pay bills.

6. Can I perform scheduled payments?

Yes, you can perform scheduled payments. Please refer to “Scheduling a Bill Payment” .

7. Where can I view my past payments?

You can view the past payments at Recent AmOnline Transactions.

8. Can I repeat the same transaction again?

Yes

For AmOnline app, go to Recent AmOnline Transactions > Find the past payment that you want to repeat > Swipe left and tap on the “Repeat” button.

For AmOnline Web, go to Recent AmOnline Transactions > Find the past payment that you want to repeat > Click on “Repeat” button.

9. What is the daily transaction limit for Pay Bills and where can I change it?

The default Pay Bills limit is RM 5,000.00. However, the maximum daily transaction limit is RM 50,000.00. To change your daily transaction limit:

App: Menu > Transaction Limit > Payments > Bill Payment / JomPAY.

Web: Settings > Transaction Limit > Payments > Bill Payment / JomPAY

Scheduling a Bill Payment

1. What is scheduled bill payment?

A scheduled payment is where you schedule a one-time payment, or recurring payments in the future. You are able to set the date and amount to pay to a designated biller of your choice. It is convenient as you can have bills paid automatically on the date you chose. Please ensure there are sufficient funds in your account or else your payment will not go through on the scheduled date.

2. How do I set a one-time/recurring bill payment?

After keying in your amount, you can choose Pay Now or Pay Later. By selecting Pay Later, you can set to pay at a future date of your choice. To set as recurring, select the ‘Set as recurring’ checkbox and proceed.

3. What is the difference between one-time and recurring transaction?

One-Time

Only performs this transaction once.
The payment is performed at a future date that you chose.

Recurring

The payments are performed at your preferred frequency

Weekly
Monthly
Yearly

The duration of your recurring payments can be set by either selecting an end date, or by entering the number of times you want to perform this payment, up to a maximum of 99 times.

When you select the end date of your recurring payments, AmOnline will also auto-calculate the number of times you will perform the transaction.

4. I have set a one-off/recurring transaction. How do I view my active scheduled transactions?

For AmOnline app, go to Menu > Scheduled Transactions.

For AmOnline Web, go to Settings > Scheduled Transactions.

5. I have set a one-off/recurring transaction and no longer want to continue. How do I delete the scheduled transaction?

For AmOnline app, go to Menu > Scheduled Transactions > Swipe left or tap on the transaction to delete.

For AmOnline Web, go to Settings > Scheduled Transactions > Click on the 3 dots > Click on Delete.

For recurring transaction, you can choose to delete the upcoming transaction, or the entire series.

6. I have set a one-off/recurring transaction. How do I change the transaction date?

You are not able to change the transaction date. Instead, kindly delete the current scheduled transaction and set a new one-off/recurring payment accordingly.

Prepaid Top Up

1. What is Prepaid Top Up?

It is a feature where you can top up the following prepaid products via AmOnline:

Altel Prepaid
ASTRO NJoi
Celcom Internet
Celcom Xpax
DiGi Chatz
Digi Internet
Digi Prepaid
Game Tower
Garena Shells

iTalk Mobile
Maxis Hotlink
Merchantrade
Play Station PlayCoins
Razer Gold
RedOne Prepaid
REDtone Plus
Steam Wallet

Tune Talk
U Mobile
U Mobile Prepaid Int GT
U Mobile Prepaid Int GX
U Mobile Prepaid Int UMI
Unifi Reload
XOX
YES 4G Reload

2. How do I perform prepaid top up?

Login > Tap for Quick Actions > Prepaid Top Up.
You can top up to a new number by selecting the “New Number” tab, or top up to an existing favourite number by selecting the “Favourites” tab.

3. Which debiting account that I can choose when I perform prepaid top up?

You can choose from CASA or Credit Card accounts.

4. Do I need TAC or AmSecure to perform prepaid top up?

Yes, you need TAC or AmSecure to top up to a new mobile number. TAC or AmSecure is not required when you top up to a previously setup favourites.

5. How do I get the prepaid product that I have topped up?

For mobile phone prepaid top up products, it will be credited to your mobile phone number. For other prepaid top up products such as Internet/STD/IDD, its product serial number will be sent to you via SMS.

6. How soon will I receive the prepaid top up?

You will receive the prepaid top up instantly. However it is subjected to the service availability of Mobile Service Provider.

7. How do I view the details of my past prepaid top up?

You can view the past prepaid top up at Recent AmOnline Transactions.

8. How do I repeat a past prepaid top up?

AmOnline App - Find the past prepaid top up and swipe left to tap on the “Repeat” button.

AmOnline Web – Find the past prepaid top up and click on the “Repeat” button.

9. What is the daily transaction limit for Prepaid Top Up?

Prepaid Top Up daily transaction limit is RM 500.00. You may change the transaction limit at Menu > Transaction Limit > Payments > Prepaid Top Up.

10. Will I be charged for using Prepaid Top Up?

No, this service is free of charge.

11. What should I do if I did not receive the prepaid product?

If you did not receive the prepaid product within 5 minutes, kindly contact our AmBank Contact Centre for assistance.

12. Do I get a refund if I entered an invalid / wrong mobile phone number by mistake?

All successful transactions are non-refundable. Please ensure that you have provided all the necessary information correctly before submitting your request.

Online Payments (FPX)

1. What is FPX?

It is a payment gateway that allows you to make online payments in real time using your Savings or Current account. AmBank is one of the FPX participating banks and you will be able to make online payment from participating merchants’ website/app (e.g. Lazada, Shopee) via AmOnline.

2. How do I perform FPX via AmOnline?

Once you get to the payment section on the merchant website/ app, choose to pay using Online Banking and click on the AmBank icon.
Note: Please ensure that you are registered with AmOnline beforehand in order to be able to use our FPX service.
After you click on the AmBank icon, you will be directed to the login page of AmOnline. Log in by using your username and your password, then click “Next”.
After successfully logging in, you can see the fields pre-populated from merchant website. A default account (to deduct the funds from) will be pre-selected for you as well. If you want to change the account, you can click on “Change Account”. Once you choose the account, you will see the From account changed.
After you have finished reviewing the details, Click “Continue”, you will either need to key in TAC that you received or authorize the transaction via AmSecure.
Once done, you will see the Transaction Status page. You can either wait for the timer to run out or click “Continue with Transaction” to go back to merchant website/merchant app.

3. What is the transaction limit for FPX via AmOnline?

Minimum limit: RM1.00 (per transaction)
Maximum limit: RM30, 000 (per day) (Combine with Web to Web transactions)

4. How much is the service charge for FPX via AmOnline?

The service charge imposed for this service varies according to the type of service and merchant selected by customers.

5. What should I do if my FPX transaction via AmOnline is unsuccessful?

Kindly contact AmBank Contact Center for further investigation.

6. What can I do if I want to know more about FPX services?

Visit https://paynet.my/personal-fpx.html to find out more about FPX services. .

Products and Services

Credit Card

Manage your Credit Card

View Card Details

My Accounts

1. How do I view my account details?

Just tap on any account that you wish, and you will be directed to your Account Details, where depending on the account, you are able to see Transactions, Details, and Settings.

2. My credit card number is masked. How can I view my full credit card number?

You can still view your full credit card number when performing a transaction. Alternatively, you may refer to your physical credit card to get the full credit card number.

3. Can I download a receipt of a transaction that I performed in AmOnline?

Yes, you can download the receipt of your past transactions. To do so:

Go to Recent AmOnline Transactions > tap/click on the transaction > tap/click View Receipt

4. How do I view and download my account transaction history?

Select the account > Transactions tab > tap/click on the download button

5. How long will my transactions be recorded in my account transaction history?

The list below shows how long the transaction history is for each product:

Current/Savings Account/-i – up to the last 5 months
Fixed Deposit/Term Deposit-i Account – up to the last 25 months
Credit Card/-i – up to the last 5 months
Loan/Financing – up to the last 6 months

6. I have paid minimum payment on my credit card, why does it still display "DUE SOON" / "OVERDUE"?

The status will be reflected accordingly once the payment has been processed.

Rest assured that no late payment fee will be charged to you if you have made the minimum payment on, or before the Due Date for your credit card.

If you made the credit card payment using AmOnline, you may check the payment status on Recent AmOnline Transactions.

7. I have other accounts with AmBank. Why are some of my accounts not showing in AmOnline?

If you had registered your AmOnline using your Current or Savings account/-i, all your other accounts with AmBank will be automatically displayed in your AmOnline.

If you have registered with accounts other than your Current or Savings account/-i, please refer to the table below:

For example, I used my AmBank or AmBank Islamic Credit Card/-i to register for AmOnline. Then, I applied for a Hire Purchase/-i from AmBank, but I am only able to view my Credit Card/-i account in AmOnline. (Refer to the next FAQ for linking accounts)

8. I have other accounts with AmBank but they are not showing in AmOnline. What should I do?

This means you need to link your account via AmOnline by following these steps:

Go to AmOnline app > Menu > Account & Card Settings > Link Account > Select account/card type you want to link

9. After I linked my accounts, am I able to delink?

No, you can’t delink your account. You may hide the account from showing in AmOnline at Settings. Once you hide, you won’t be able to see the account at AmOnline anymore.

10. How do I hide my account in AmOnline?

Select account you want to hide > Settings tab > Change the toggle of ‘Show on AmOnline’

11. How can I show a hidden account in AmOnline?

Go to AmOnline app > Menu > Account & Card Settings > Select account you want to unhide.

12. Can I personalize my account nickname in AmOnline?

Yes, to change your account nickname, follow these steps:

Select account > Settings tab > Change Account Nickname

eStatement

13. Where can I view my eStatement in AmOnline?

eStatement is available for Current/Savings account/-i, Credit Card/-i, and Loan/Financing account.

App: Select the account > Tap on Quick Actions > Tap on eStatement

Web: Select the account and click on eStatement tab

14. I have entered the password to view my loan account’s eStatement, but unable to open the eStatement.

Please ensure that you have enter the correct password as per the instruction on eStatement screen. You may retry enter the password.

If you are on iOS device that iOS version 13 or above, password will be auto clear if incorrect password entered. iOS version that lower than that, please clear the password and reenter again as per instruction.

Direct Debit

15. Where can I view my Direct Debit history in AmOnline?

To view your Direct Debits, follow these steps:

App: Select the account > Tap on Quick Actions > Tap on Direct Debit > Tap on one of the direct debit transaction in order to see the details regarding your direct debit.

Web: Select the account and go to Direct Debit tab

16. I have setup a Direct Debit instruction at the Biller’s side (e.g. Telco /Insurance Company) but I cannot see it in my Direct Debit history in AmOnline. Why is that?

It may take a few days for the biller to process the instruction. If you are still unable to view it in your Direct Debit history, please contact the biller regarding the status of the Direct Debit.

17. How do I cancel/ terminate the Direct Debit authorisation?

You are unable to cancel/terminate a Direct Debit in AmOnline. Instead, you will need to contact the biller to cancel/terminate the Direct Debit instruction.

18. Where can I find more information on direct debit?

For more information, please visit https://www.paynet.my/directdebit/faq.html

Manage Credit Card Settings

1. What are the credit card settings available for me?

Show on AmOnline – enables you to show or hide your card in AmOnline.
Change Card Nickname – enables you to set a nickname for your card for easy reference.
Change Card PIN – enables you to set a new PIN for your card.
Block This Card – enables you to block your card from future transactions in the event of emergency.
Replace This Card – enables you to get a card replacement should your card be damaged or broken.

2. How do I change my credit card settings?

Go to your credit card and tap/click on the Settings tab

3. Will the change in settings be effective immediately?

Yes, for most cases. If you need to replace a card but your address is not updated, please call our Contact Centre to get it updated, prior to requesting for a card replacement.

4. I lost my card, how do I block it?

Go to your credit card > tap/click on the Settings tab > Tap/click on Block this Card

Pay Credit Card

1. How do I pay my AmBank Credit Card?

Select the credit card you want to pay > Details > Pay by selecting any of the options listed

Alternatively, you can also pay by going to Transfer Money > Own / Favourite > Select your credit card

2. How do I pay other bank’s Credit Card?

You can pay other bank’s credit card by clicking/tapping Transfer Money > New Recipient > Credit Card.

3. Can I schedule my payment to my credit card?

Yes, upon entering or confirming the amount, select Transfer Later to proceed.

4. What is Minimum Payment?

Minimum Payment is the minimum amount that you have to pay for the current cycle statement.

5. What is Unpaid Statement Balance?

Unpaid Statement Balance is the amount that has yet to be paid for the current cycle statement.

6. What is Outstanding Balance?

Outstanding Balance is the total outstanding amount for your credit card.

Activate Credit Card

1. What type of card can I activate?

You may activate AmBank credit card if you are the principal cardholder.

2. Can I activate a Supplementary Credit Card?

You can only activate a Supplementary Card if you are the supplementary cardholder.

3. How do I activate a card?

Before you log in, tap/click on ‘Activate Card’ to start.
Alternatively, you may also log in > Credit Card tile > tap/click on the card to Activate.

Please ensure that you have received your physical card before activating it.

4. I have entered the required details but I was unable to activate my card. What should I do?

In this case, you are advised to call our Contact Centre to enquire this issue.

5. Why did I not receive an SMS TAC upon requesting?

If you did not receive an SMS TAC after several attempts, you are advised to call our Contact Centre to check on your registered mobile number. This could also be due to a temporary issue related to Telco/Mobile services.

6. If I am not a registered AmOnline user, can I use ‘Activate Card’?

Yes, even if you are not a registered AmOnline user yet, you can still use the ‘Activate Card’ function. With this seamless features, you will be able to register for a new AmOnline account.

7. I have successfully activated my card, but I am unable to log in despite already having an AmOnline account. What should I do now?

You may call our Contact Centre to enquire the status of your AmOnline account.

Apply for Balance Transfer*

1. What is Balance Transfer?

Balance Transfer is a feature that enables you to transfer your other bank’s outstanding credit card balances to your AmBank credit card.

2. Can I apply for Balance Transfer?

You can only apply if you:

Are a principle cardholder of an active, individual credit card
Are aged between 21 to 65 years old
Have a minimum available credit limit of RM 1,000
Have not defaulted on your credit card.

3. What is the minimum and maximum amount that I can apply for Balance Transfer ?

You may apply any amount from RM1,000 to RM50,000, or up to your current available credit card limit, whichever is lower.

4. How do I apply for Balance Transfer?

You may go to Quick Actions > Apply for More Services > Do More With Your Card > Apply Balance Transfer

5. How long does it takes for my application to be processed?

Applications submitted on a working day, before 2PM: Will be processed on the same day, and fund will be disbursed on the next working day.
Applications submitted on a working day, after 2PM: Will be processed on the next working day, and fund will be disbursed on the following working day.
Applications submitted on a non-working day: Will be processed on the next working day.

Note: Processing time aforementioned are on best effort basis.

6. How do I find out my Balance Transfer application status?

You may call our Contact Centre to follow up on your application status.

7. Where can I find my previously submitted Balance Transfer applications?

You may find your previously submitted applications in Quick Actions > Apply for More Services > View Application History.

Get QuickCash*

1. What is QuickCash?

QuickCash is a feature that enables you (the principal cardholder) to convert your available credit card limit into cash in your AmBank/AmBank Islamic or other bank’s savings/current account.

2. Can I apply for QuickCash?

You can only apply if you:

Are a principle cardholder of an active, individual credit card
Are aged between 21 to 65 years old
Have a minimum available credit limit of RM 1,000
Have not defaulted on your credit card.

3. What is the minimum and maximum amount that I can apply for QuickCash?

You may apply any amount from RM1,000 to RM50,000, or up to your current available credit card limit, whichever is lower.

4. How do I apply for QuickCash?

You may go to Quick Actions > Apply for More Services > Do More With Your Card > Get QuickCash

5. How long does it takes for my application to be processed?

Application submitted on a working day, before 2PM: Will be processed on the same day, and fund will be disbursed in the next working day.
Application submitted on a working day, after 2PM: Will be processed on the next working day, and fund will be disbursed on the following working day.
Application submitted on a non-working day: Will be processed on the next working day.

Note: Processing time aforementioned are on best effort basis.

6. How do I find out my QuickCash application status?

You may call our Contact Centre to follow up on your application status.

7. Where can I find my previously submitted QuickCash applications?

You may find your previously submitted applications in Quick Actions > Apply for More Services > View Application History.

Boost your Credit Limit*

1. What is a Credit Limit Increase?

Credit Limit Increase is a feature that enables you to increase your credit card’s limit, either temporarily or permanently.

2. Can I apply for a Credit Limit Increase?

You can only apply if you are a principle cardholder of an active, individual credit card.

3. How do I apply for Credit Limit Increase?

You may go to Quick Actions > Apply for More Services> Do More With Your Card > Boost Your Credit Limit

4. What is the duration that I can apply for temporary Credit Limit Increase?

You may apply for 7, 14 or 30 days for temporary Credit Limit Increase.

5. How do I find out about my Credit Limit Increase application status?

You may call our Contact Centre to follow up on your application status.

6. Where can I find my previously submitted Credit Limit Increase applications?

You may find your previously submitted applications in Quick Actions > Apply for More Services> View Application History.

Flexi Payment Plan*

1. What is AmFlexi-Pay?

AmFlexi-Pay allows you to convert retail transactions performed on your AmBank credit card/credit card-i into affordable monthly instalments.

2. What is the minimum amount for AmFlexi-Pay application?

The minimum amount per transaction is RM500.

3. What type of credit card/credit card-i transactions are eligible for conversion to AmFlexi-Pay?

Transactions which are eligible for conversion to AmFlexi-Pay are:

Retail transactions that meet the minimum amount of RM500.
Retail transactions exclude cash advance or payment of instalments under the other instalment payment plans provided by the Bank or any other bank or financial institution, payment of instalment under balance transfer and settlement of any annual fee, outstanding balances or finance charges, early settlement charges or late payment charges imposed by the Bank under and/or pursuant to the terms of the Cardholder Agreement.
The retail transaction must be reflected in the credit card/credit card-i current month’s statement and converted no later than (5) five calendar days before the subsequent month’s statement.
For more details on eligible conversion, you may refer to FPP Terms and conditions in our website at ambank.com.my/fpp

4. How many retail transactions can be converted to AmFlexi-Pay?

There is no limit on the number of retail transactions that can be converted to AmFlexi-Pay so long as the retail transactions are eligible for conversion.

Do take note that if you are applying for AmFlexi-Pay via AmOnline, you may choose to convert up to (10) ten eligible transactions in one application. If you would like to convert more than (10) ten eligible transactions, you may do so in a separate application.

5. May I cancel or opt for early settlement for my AmFlexi-Pay?

Yes, but do take note that there will be an early settlement fee of RM50 (not applicable to TRUE by AmBank Visa Card, AmBank BonusLink Visa Card and AmBank M-Card).

6. How can I apply for AmFlexi-Pay via AmOnline App?

You may follow the steps below:

7. How do I identify which transactions are eligible for AmFlexi-Pay conversion via AmOnline App?

A “Convert to Instalment” hyperlink will be displayed on your Transaction History Page if the transaction is eligible for conversion.

8. How long will it take for my application to be processed?

Your application will be processed within (3) three calendar days.

9. Can I track my application status and application history via AmOnline?

Yes, you may tap on ‘View Application History’ once you have submitted your AmFlexi-Pay application.

Under the Transaction History page, you will also see a caption displaying the status of the transaction that you have selected to convert to AmFlexi-Pay i.e. ‘AmFlexi-Pay Application Submitted’ or ‘AmFlexi-Pay Application Approved’.

Alternatively, you may follow the steps below:

10. Can I apply for AmFlexi-Pay via AmOnline Web?

Yes, but you would need to complete the application via AmOnline App by following the steps below:

Get a New Card*

Get a New Credit Card

1. Can I apply for a credit card?

You can only apply if you:

Are between 21 to 65 years old
Have a minimum monthly income of RM 2,000

2. How do I apply for a credit card?

You may go to Quick Actions > Apply for More Services > Get Credit Card > Get a New Credit Card

3. If I already have a credit card, can I still apply for another one?

Yes, you may.

4. Can I save my application as draft?

Yes, you can always complete your application later in Quick Actions > Apply for More Services > View Application History.

5. What happens if my application has expired?

If you still wish to apply for a credit card, you will need to restart the entire application process again.

6. How long will it take for my application to be processed?

Your credit card application could take up to 1 week to be processed for approval.
Note: Processing time aforementioned is on best effort basis.

7. How do I find out about my credit card application status?

You may call our Contact Centre to follow up on your application status.

8. Where can I find my previously submitted applications?

You may find your previously submitted applications in Quick Actions > Apply for More Services > View Application History.

Get a Supplementary Card

1. What is Supplementary Card?

Supplementary Card is an additional credit card that is issued under your primary card. The card can be issued for your spouse, parents, children, and others.

2. Can I apply for a supplementary card?

You can apply if you:

Are a principle cardholder of an active, individual credit card,
Have a minimum credit limit of RM 3,000.

3. How do I apply for a supplementary card?

You may go to Quick Actions > Apply for More Services > Get Credit Card > Get a Supplementary Card.

4. Is there a minimum age for the supplementary cardholder?

Yes, the supplementary cardholder must be at least 18 years old to be eligible for one.

5. Can I save my application as draft?

Yes, you can save your application and complete your application later in Quick Actions > Apply for More Services > View Application History.

6. What happens if my application has expired?

This means your application will not be processed. If you still wish to apply for a credit card, you will need to restart the entire application process.

7. How long will it take for my application to be processed?

Your credit card application could take up to 1 week to be processed for approval.
Note: Processing time aforementioned is on best effort basis.

8. How do I find out on the supplementary card application status?

You may call our Contact Centre to follow up on your application status.

9. Where can I find my previously submitted application?

You may find your previously submitted application in Quick Actions > Apply for More Services > View Application History.

Debit Card

Manage your Debit Card

Manage Debit Card Settings

1. What are the debit card settings available for me?

Show on AmOnline – enables you to show or hide your debit card in AmOnline.
Allow Online Purchases – enables you to allow/disable your card for online shopping.
Allow Overseas Spending – enables you to allow/disable your card for overseas transactions.
Change Card PIN – enables you to set a new PIN for your card.
Change Card Nickname – enables you to set a nickname for your card for easy reference.

2. How do I change my debit card settings?

Select your debit card and tap/click on the Settings tab

3. Why should I activate overseas spending for my debit card?

In line with Bank Negara Malaysia’s regulations, all financial institutions and issuers are mandated to default and/or block any debit cardholders from making any online and overseas transactions that are not authenticated via strong authentication method such as dynamic password, unless the cardholder has expressly opted-in to conduct such transactions.

Therefore, if you would like to perform transactions outside of Malaysia using your debit card such as oversea point-of-sale purchases (“POS”), or cash withdrawal at oversea ATM, you would need to allow the overseas spending for your debit card.
Note: To perform overseas online transaction (e.g. Amazon US), please enable both oversea spending AND internet/online purchase under usage settings.

4. Why should I activate internet/online purchases for my debit card?

Therefore, if you would like to perform internet/online transactions in Malaysia, you would need to allow internet/online purchase for your debit card.
Note: To perform overseas online transaction (e.g. Amazon US), please enable both oversea spending AND internet/online purchase under usage settings.

5. How do I activate overseas spending / online purchases for my debit card?

For AmOnline Mobile App:

For AmOnline Web Browser:

6. Will the change in usage settings be effective immediately?

Yes, once your debit card is activated for oversea/online usage, it can be used immediately for overseas/online transactions.

7. Do I need to allow my debit card each and every time if I want to use it for oversea or internet/online transactions?

No, you only need to activate your debit card once, and the debit card will be perpetually activated, until you choose to deactivate the usage in Settings.

8. What happens if I failed to allow my debit card for oversea/online usage?

In this case, all your oversea or internet/online transactions will be declined.

Activate Debit Card

1. Can I activate a Debit Card?

Yes, you may activate AmBank debit card

2. How do I activate a card?

Before you log in, tap/click on Activate Card.

3. I have entered the required details but I was unable to activate my card. What should I do?

In this case, you are advised to call our Contact Centre to enquire this issue.

4. Why did I not receive an SMS TAC upon requesting?

If you did not receive an SMS TAC after several attempts, you are advised to call our Contact Centre to check on your registered mobile number.<

This could also be due to a temporary issue related to Telco/Mobile services.

5. If I am not a registered AmOnline user, can I use ‘Activate Card’?

Yes, even if you are not a registered AmOnline user yet, you can still use the ‘Activate Card’ function. With this seamless features, you will be able to register for a new AmOnline account.

6. I have successfully activated my card, but I am unable to log in despite already having an AmOnline account. What should I do now?

You may call our Contact Centre to enquire the status of your AmOnline account.

View Card Details

1. How do I view my account details?

Just tap on any account that you wish, and you will be directed to your Account Details to view the Details and Settings.

2. My debit card number is masked. How can I view my full debit card number?

You may refer to your physical debit card to get the full debit card number.

3. How do I view transactions that I have performed using my debit card?

You can view the transactions at the transaction history of the Savings/Current Account that you set as your primary account of your debit card.

4. How do I know which of my Savings/Current account is the primary account of my debit card?

You may contact the call center to check.

5. After I linked my debit card, will I be able to delink?

No, you can’t delink your debit card. You may hide the debit card from showing in AmOnline at Settings. Once you hide it, you won’t be able to see the account at AmOnline anymore.

6. How do I hide my debit card in AmOnline?

Select debit card you want to hide > Settings tab > Change the toggle of ‘Show on AmOnline’

7. How can I show a hidden debit card in AmOnline?

Go to Menu > Account & Card Settings > Debit & Credit Cards Settings > Select account you want to unhide.

8. Can I personalize my debit card nickname in AmOnline?

Yes, to set the debit card nickname, follow these steps:
Select debit card > Settings tab > Change Account Nickname

Loan / Financing

Manage your Loans / Financings

View Loan / Financing Details

My Accounts

1. How do I view my account details?

Just tap on any account that you wish, and you will be directed to your Account Details, where depending on the account, you are able to see Transactions, Details, and Settings.

2. Can I download a receipt of a transaction that I performed in AmOnline?

Yes, you can download the receipt of your past transactions. To do so:

Go to Recent AmOnline Transactions > tap/click on the transaction > tap/click View Receipt

3. How do I view and download my account transaction history?

Select the account > Transactions tab > tap/click on the download button

4. How long will my transactions be recorded in my account transaction history?

The list below shows how long the transaction history is for each product:

Current/Savings Account/-i – up to the last 5 months
Fixed Deposit/Term Deposit-i Account – up to the last 25 months
Credit Card/-i – up to the last 5 months
Loan/Financing – up to the last 6 months

5. I have other accounts with AmBank. Why are some of my accounts not showing in AmOnline?

If you had registered your AmOnline using your Current or Savings account/-i, all your other accounts with AmBank will be automatically displayed in your AmOnline.

If you have registered with accounts other than your Current or Savings account/-i, please refer to the table below:

6. I have other accounts with AmBank but they are not showing in AmOnline. What should I do?

This means you need to link your account via AmOnline by following these steps:

Select the account/card type you want to link and key in the account details. Then Request TAC to verify,

Once successful, then you will be able see your account with AmBank in AmOnline.

7. After I linked my accounts, am I able to delink?

No, you can’t delink your account. You may hide the account from showing in AmOnline at Settings. Once you hide, you won’t be able to see the account at AmOnline anymore.

8. Where can I Hide my Account in AmOnline?

To hide your account, follow these steps:

After logging in to AmOnline, select an account you wish to hide.
Go to the Settings Tab and tap on the slider for “Show on AmOnline”,
Your account is now hidden.

9. How can I show a hidden account in AmOnline?

You can show a hidden account in AmOnline, by following these steps:

Log in to AmOnline > Settings Menu > Account & Card Settings
Select the product type you want your account to be shown back. e.g Current / Savings Account
If there is any hidden account, you can see it under “Hidden” section.
To show the account, select the account and swipe left at AmOnline app OR switch on the “Show” toggle at AmOnline web.

You can see the account at your dashboard.

10. Can I personalize my account nickname in AmOnline?

Yes, to change your account nickname, follow these steps:

Select account > Settings tab > Change Account Nickname

eStatement

11. Where can I view my account eStatement in AmOnline?

eStatement is available for Current/Savings account/-i, Credit Card/-i, and Loan/Financing account.

App: Select the account > Tap on Quick Actions > Tap on eStatement

Web: Select the account and click on eStatement tab

15. I have entered the password to view my loan account’s eStatement, but unable to open the eStatement.

Please ensure that you have enter the correct password as per the instruction on eStatement screen. You may retry enter the password. If you are on iOS device that iOS version 13 or above, password will be auto clear if incorrect password entered. iOS version that lower than that, please clear the password and reenter again as per instruction.

Pay Loan / Financing

1. How do I pay my AmBank loan account?

Select the loan account you want to pay > Details > Pay by selecting any of the options listed

Alternatively, you can also pay by going to Transfer Money > Own / Favourite > Select your loan account

2. How do I pay other bank’s loan account?

You can pay other bank’s loan by clicking/tapping Transfer Money > New Recipient > Loan.

3. Can I schedule my payment to my loan account?

Yes, upon entering or confirming the amount, select “Transfer Later” to proceed.

4. Can I pay my AmBank loan using a credit card?

No, you cannot make any payment to your AmBank loan using a Credit Card.

Get a New Loan/Financing*

Apply for a Personal Loan/Financing

1. What is the Personal Loan/Financing offering?

AmMoneyLine/AmMoneyLine Facility-i is an unsecured Personal Loan/Financing which requires no collaterals or guarantors. Whether you need to borrow cash to achieve your goals or for emergencies, you can opt for the Cash-Out-Plan to receive cash into your AmBank Savings Account.

This product has a fixed monthly payment schedule and is available under both Conventional and Islamic banking. The product offers:

Low interest/profit rate from 8.00% p.a. to 11.99% p.a. (EIR/EPR 14.13 to 21.55%)
High disbursement loan/financing amount up to RM 150,000

2. Can I apply for the Personal Loan/Financing?

You can only apply if you:

Are Malaysian aged between 21 – 60 (at maturity)
Have a minimum gross income of RM 3,001 per month for salary earners, or RM 5,000 per month for self-employed or full commission earners.

3. How do I apply for the Personal Loan/Financing?

You may go to Quick Actions > Apply for More Services > Get Loan/Financing > Apply for Personal Loan

4. Why do I need to have a Savings Account to apply for the Personal Loan/Financing?

All applicants must have an AmBank Savings Account or AmBank Islamic Savings Account-i to receive the cash disbursement.

5. Can I save my application as draft?

Yes, you can always complete your application later in Quick Actions > Apply for More Services > View Application History

6. What happens if my application has expired?

If you still wish to apply for a personal loan, you will need to restart the entire application process.

7. Will I be notified on the application status?

Yes, you will receive an SMS on the status if your application is approved.

8. How fast can I obtain the funds?

Your application could be approved and funds disbursed within 72 hours for completed documentation scenario.
Note: Processing time aforementioned is on best effort basis.

9. How do I pay the monthly installments?

There are a few ways to pay your monthly installments:

Transfer via AmOnline Web or Mobile App (You can choose to pay once, or set up a recurring payment that pays automatically every month)
Direct Debit standing instruction from AmBank Savings/Current Account or AmBank Islamic Savings/Current Account-i
By cash at any AmBank/AmBank Islamic branches nationwide
By cash through Cash Deposit Machine (CDM) or Automated Teller Machine (ATM)

10. Where can I find my previously submitted applications?

You may find your previously submitted applications in Quick Actions > Apply for More Services > View Application History.

Consolidate your Debts

1. What is Debt Consolidation?

Debt consolidation is a feature where you can combine your personal loans and/or credit cards repayments into one easy repayment.

AmMoneyLine/AmMoneyLine Facility-i – an unsecured Personal Loan/Financing which requires no collaterals or guarantors – offers this capability for you.

This product has a fixed monthly payment schedule and is available under both Conventional and Islamic banking. The product offers:

Low interest/profit rate from 8.00% p.a. to 11.99% p.a. (EIR/EPR 14.13 to 21.55%)

High disbursement loan/financing amount up to RM 150,000

2. Can I apply for the Debt Consolidation?

You can only apply if you:

Are Malaysian aged between 21 – 60 (upon maturity of facility)
Have a minimum gross income of RM 3,001 per month for salaried earners, or RM 5,000 per month for self-employed or full commission earners.

3. How do I apply for the Debt Consolidation?

You may go to Quick Actions > Apply for More Services > Get Loan/Financing > Consolidate Debt

4. Why do I need to have a Savings Account to apply for the Debt Consolidation?

All applicants must have an AmBank Savings Account or AmBank Islamic Savings Account-i to receive the cash disbursement, in the event that you are eligible to receive the extra cash.

5. Can I save my application as draft?

Yes, you can save your application and complete your application later in Quick Actions > Apply for More Services > View Application History

6. What happens if my application has expired?

This means your application will not be processed. If you still wish to apply for a personal loan, you will need to restart the entire application process.

7. Will I be notified on the application status?

Yes, you will receive an SMS on the status if your application is approved.

8. How fast can I obtain the funds?

Your application could be approved and disbursed within 72 hours for completed documentation scenario.
Note: Processing time aforementioned is on best effort basis.

9. How do I pay the monthly installments?

There are a few ways to pay your monthly installments:

Transfer via AmOnline Web or Mobile App (You can choose to pay once, or set up a recurring payment that pays automatically every month)
Direct Debit standing instruction from AmBank Savings/Current Account or AmBank Islamic Savings/Current Account-i
By cash at any AmBank/AmBank Islamic branch nationwide
By cash through Cash Deposit Machine (CDM) or Automated Teller Machine (ATM)

10. Where can I find my previously submitted applications?

You may find your previously submitted application in Quick Actions > Apply for More Services > View Application History.

Car Insurance

Manage your Insurance

View Car Insurance Details

My Accounts

1. How do I view my account details?

Just tap on any account that you wish, and you will be directed to your Account Details, where depending on the account, you are able to see Transactions, Details, and Settings.

2. Can I download a receipt of a transaction that I performed in AmOnline?

Yes, you can download the receipt of your past transactions. To do so:

Go to Recent AmOnline Transactions > tap/click on the transaction > tap/click View Receipt

3. How do I view and download my account transaction history?

Select the account > Transactions tab > tap/click on the download button

4. How long will my transactions be recorded in my account transaction history?

The list below shows how long the transaction history is for each product:

Current/Savings Account/-i – up to the last 5 months
Fixed Deposit/Term Deposit-i Account – up to the last 25 months
Credit Card/-i – up to the last 5 months
Loan/Financing – up to the last 6 months

5. I have other accounts with AmBank. Why are some of my accounts not showing in AmOnline?

If you had registered your AmOnline using your Current or Savings account/-i, all your other accounts with AmBank will be automatically displayed in your AmOnline.

If you have registered with accounts other than your Current or Savings account/-i, please refer to the table below:

6. I have other accounts with AmBank but they are not showing in AmOnline. What should I do?

This means you need to link your account via AmOnline by following these steps:
Go to AmOnline app > Menu > Account & Card Settings > Link Account > Select account/card type you want to link

7. After I linked my accounts, am I able to delink?

No, you can’t delink your account. You may hide the account from showing in AmOnline at Settings. Once you hide, you won’t be able to see the account at AmOnline anymore.

8. Where can I Hide my Account in AmOnline?

To hide your account, follow these steps:

After logging in to AmOnline, select an account you wish to hide.
Go to the Settings Tab and tap on the slider for “Show on AmOnline”,
Your account is now hidden.

9. How can I show a hidden account in AmOnline?

You can show a hidden account the same way you hid your account (Refer to No. 8).

10. Can I personalize my account nickname in AmOnline?

Yes, to change your account nickname, follow these steps:

After logging in to AmOnline, select an account you wish to change the nickname
Go to the Settings tab and tap on “Change Account Nickname”.

Get a new Insurance

Purchase / Renew Car Insurance

1. What is Purchase/Renew Car Insurance in AmOnline?

Purchase/Renew Car Insurance is a feature on AmOnline which provides easy access for you to our partner portal, online.amassurance.com.my, to help you with your new car insurance purchase or renewal needs.

2. Where can I purchase a car insurance in AmOnline?

App: Tap on Quick Actions > Tap on Apply > Tap on Get Insured > Tap on Purchase Car Insurance.

Web: Go to Insurance > Click on Purchase Now

3. Who can purchase car insurance in AmOnline?

You are registered in AmOnline using New IC and you are holding an AmBank CASA or Credit Card account.

If you have fulfilled the above conditions but you are still unable to tap on the “Purchase Car Insurance” button, please contact our Contact Centre for assistance.

4. Where can I renew my existing AmAssurance car insurance in AmOnline?

You may go to the policy details > “Renew Now” button.

Alternatively in the app, you may tap on Quick Actions > Renew to renew the policy.

The “Renew Now” button only display if the car insurance policy is expiring within 60 days. However, you will still have the grace period of 14 days after the expiry date to renew your car insurance.

5. When can I check if my policy has been successfully renewed or purchased?

Car insurances which have been renewed or newly purchased will be processed 1 day after the application/renewal. You may log in to your AmOnline account to check on its updates then.

6. It has been a few days since I paid the Car Insurance premium, but I am still unable to view the updated Car Insurance Policy in my AmOnline Account Summary.

You may contact our Contact Centre for assistance.

Current/Savings Account/-i

Manage your Accounts

View Account Details

My Accounts

1. How do I view my account details?

Just tap on any account that you wish, and you will be directed to your Account Details, where depending on the account, you are able to see Transactions, Details, and Settings.

2. Can I download a receipt of a transaction that I performed in AmOnline?

Yes, you can download the receipt of your past transactions. To do so:

Go to Recent AmOnline Transactions > tap/click on the transaction > tap/click View Receipt

3. How do I view and download my account transaction history?

Select the account > Transactions tab > tap/click on the download button

4. How long will my transactions be recorded in my account transaction history?

The list below shows how long the transaction history is for each product:

Current/Savings Account/-i – up to the last 5 months
Fixed Deposit/Term Deposit-i Account – up to the last 25 months
Credit Card/-i – up to the last 5 months
Loan/Financing – up to the last 6 months

5. I have other accounts with AmBank. Why are some of my accounts not showing in AmOnline?

If you had registered your AmOnline using your Current or Savings account/-i, all your other accounts with AmBank will be automatically displayed in your AmOnline.

If you have registered with accounts other than your Current or Savings account/-i, please refer to the table below:

6. I have other accounts with AmBank but they are not showing in AmOnline. What should I do?

This means you need to link your account via AmOnline by following these steps:

Go to AmOnline app > Menu > Account & Card Settings > Link Account > Select account/card type you want to link

7. After I linked my accounts, am I able to delink?

No, you can’t delink your account. You may hide the account from showing in AmOnline at Settings. Once you hide, you won’t be able to see the account at AmOnline anymore.

8. How do I hide my account in AmOnline?

Select account you want to hide > Settings tab > Change the toggle of ‘Show on AmOnline’

9. How can I show a hidden account in AmOnline?

Go to AmOnline app > Menu > Account & Card Settings > Select account you want to unhide.

10. Can I personalize my account nickname in AmOnline?

Yes, to change your account nickname, follow these steps:

Select account > Settings tab > Change Account Nickname

eStatement

11. Where can I view my eStatement in AmOnline?

eStatement is available for Current/Savings account/-i, Credit Card/-i, and Loan/Financing account.

App: Select the account > Tap on Quick Actions > Tap on eStatement

Web: Select the account and click on eStatement tab

12. I have entered the password to view my loan account’s eStatement, but unable to open the eStatement.

Please ensure that you have enter the correct password as per the instruction on eStatement screen. You may retry enter the password.

Direct Debit

13. Where can I view my Direct Debit history in AmOnline?

To view your Direct Debits, follow these steps:

App: Select the account > Tap on Quick Actions > Tap on Direct Debit > Tap on one of the direct debit transaction in order to see the details regarding your direct debit.

Web: Select the account and go to Direct Debit tab

14. I have setup a Direct Debit instruction at the Biller’s side (e.g. Telco /Insurance Company) but I cannot see it in my Direct Debit history in AmOnline. Why is that?

It may take a few days for the biller to process the instruction. If you are still unable to view it in your Direct Debit history, please contact the biller regarding the status of the Direct Debit.

15. How do I cancel/ terminate the Direct Debit authorisation?

You are unable to cancel/terminate a Direct Debit in AmOnline. Instead, you will need to contact the biller to cancel/terminate the Direct Debit instruction.

16. Where can I find more information on direct debit?

For more information, please visit https://www.paynet.my/directdebit/faq.html

Open a new Current/Savings Account/-i*

For Existing AmBank Customers

1. How can I open a Current/Savings Account/-i via AmOnline?

Do not have an AmOnline username and password yet? Learn more here on how to register.

2. What are the accounts available for me to open in AmOnline?

3.Is the account protected by Malaysia Deposit Insurance Corporation (PIDM)?

Yes, it is protected by PIDM up to RM250,000 for each depositor.

4. Who is eligible to open Current/Savings Account/-i via AmOnline?

Individuals aged 18 or above.

If you are an AmOnline user but a non-Malaysian resident, you must already have an AmBank/AmBank Islamic deposit account for online account opening.

5. How long does it take for the account to be opened?

The account opening is immediate. After completing your account opening in AmOnline, you can view it at your account summary and start performing online transactions using the newly opened account.

6. Will I get a new Debit Card for this account opening?

If you do not have any AmBank Debit Card, a new Debit Card will be issued and will be delivered to your correspondence address.

If you already have an AmBank Debit Card, this newly opened account will be automatically linked to your existing AmBank Debit Card.

Debit card will be delivered in around 5 to 7 working days.

7. How can I transfer money into the new account?

You may use FPX to transfer in money from any of your other bank account(s)

You may transfer money from your existing AmBank Current/Savings Account/-i (if you have)

8. Can I transfer money from a 3rd party other bank account via FPX?

No, the account you are transferring from must be your own personal account.

9. Is the transfer from other bank via FPX immediate?

Yes, it is immediate.

10. I performed a transfer via FPX from my other bank account but the transaction shows unsuccessful and my other bank account has been deducted. When will the money be refunded?

Money will be refunded to you within 3 business days. Please call our contact center if you still have not received the refund after 3 business days.

11. My available account balance is slightly lower than the amount that I transferred in. Why is that?

There is a certain amount that will be reserved when you open account.

You may view your total balance in the Account Details screen.

12. Where can I find my account opening receipt?

a. At the account opening confirmation page
Go to Quick Actions > Apply for More Services > Application History

13. Is the account opening service available in AmOnline web?

No. Please download the AmOnline app to open account.

For Individuals Who are New to AmBank

1. How do I open a new Current/Savings Account/-i with AmBank via AmOnline?

Download the AmOnline app > Tap on “Let’s Get Started” > Tap on “Open Current/Savings Account”

2. Who can open a new Current/Savings Account/-i via AmOnline?

Existing AmBank customers – Those with Current/Savings Account/-i, Credit Card/Card-i and/or Loan with AmBank, can register for AmOnline and open a new Current/Savings Account/-i in AmOnline
Individuals who are new to AmBank – Those without any existing products with AmBank can also open an account via AmOnline. Refer to FAQ1 on how to open account.

3. What are the accounts available for me to open in AmOnline?

4. Is the account protected by Malaysia Deposit Insurance Corporation (PIDM)?

Yes, it is protected by PIDM up to RM250,000 for each depositor.

5. What are the steps involved in opening my first account, fully online with AmBank?

Choose your preferred account.
Scan your MyKad and capture your selfie.
Provide personal and employment details.
Transfer in money via FPX from any of your other bank account.
Register for AmOnline.

6. What documents do I need for account opening?

You only need a new MyKad.

Below are the characteristics of a new MyKad:

Says “80k” and “chip” at the back
Has a large and small photo of yourself at the front

7. Why does my MyKad scan keep failing?

Any of the below might be the reason for this:

There isn’t sufficient lighting
You are not tilting the MyKad left and right to capture the hologram (shiny images/lines on the MyKad)
The MyKad number captured from MyKad did not match the MyKad number input earlier in your account opening journey
You are using an old MyKad (not an 80k chip MyKad)
Your MyKad is damaged (information or hologram not clearly visible)

8. Who is eligible to open account via AmOnline?

Individuals aged 18 or above, AND
New MyKad holder (80k chip MyKad / MyKad with large and small photos of yourself)

9. Will I get a Debit Card upon account opening?

Yes. Your card will be delivered to your correspondence address.

10. How long does it take for me to get my debit card?

Card delivery may take around 5 to 7 working days.

11. Can I change my delivery address for debit card delivery after I have opened account?

No.

12. Can I transfer from a 3rd party other bank account via FPX?

No, the account you are transferring from must be your own personal account.

13. Is the transfer from other bank via FPX immediate?

Yes, it is immediate.

14. I performed a transfer via FPX from my other bank account but the transaction shows unsuccessful and my other bank account has been deducted. When will the money be refunded?

Money will be refunded to you within 3 business days. Please call our contact center if you still have not received the refund after 3 business days.

15. My available account balance is slightly lower than the amount that I transferred in. Why is that?

There is a certain amount that will be reserved when you open account. You may view your total balance in the Account Details screen.

16. Can I open a joint account via AmOnline?

No. You may visit your nearest branch to open a joint account.

17. I already have AmOnline username and password. How do I open a new Current/Savings Account/-i?

18. I already have a credit card/loan with AmBank. How do I open a Current/Savings Account/-i?

Download the AmOnline app
Register for AmOnline (if you do not already have AmOnline username and password)
Log in to AmOnline app
Go to Quick Actions Menu
Tap on Apply for More Services
Tap on Open Account

19. Can I pause my Application and resume later?

Yes. Your application will be saved as a draft. The draft will expire after 14 days, after which, you will need to start all over again.

20. How can I check my application progress?

Launch the AmOnline app to view your application progress.

21. How long will it take to process my application?

Your account will be opened instantly after successful FPX fund transfer.

22. What does a Referral Code do?

If someone has shared their Referral Code with you to open your AmBank account via AmOnline and you successfully open account, you and/or the referrer might be eligible for rewards. Terms and Conditions apply.

23. What are the service availability hours?

The service is available daily from 6:00 AM to 10.59 PM.

24. Is the account opening service available in AmOnline web?

No. Please download the AmOnline app to open account.

Fixed / Term Deposits-i

Manage your Fixed / Term Deposits-i

View Fixed / Term Deposits-i Details

My Accounts

1. How do I view my account details?

Just tap on any account that you wish, and you will be directed to your Account Details, where depending on the account, you are able to see Transactions, Details, and Settings.

2. Can I download a receipt of a transaction that I performed in AmOnline?

Yes, you can download the receipt of your past transactions. To do so:

Go to Recent AmOnline Transactions > tap/click on the transaction > tap/click View Receipt

3. How do I view and download my account transaction history?

Select the account > Transactions tab > tap/click on the download button

4. How long will my transactions be recorded in my account transaction history?

The list below shows how long the transaction history is for each product:

Current/Savings Account/-i – up to the last 5 months
Fixed Deposit/Term Deposit-i Account – up to the last 25 months
Credit Card/-i – up to the last 5 months
Loan/Financing – up to the last 6 months

5. I have other accounts with AmBank. Why are some of my accounts not showing in AmOnline?

If you had registered your AmOnline using your Current or Savings account/-i, all your other accounts with AmBank will be automatically displayed in your AmOnline.

If you have registered with accounts other than your Current or Savings account/-i, please refer to the table below:

6. I have other accounts with AmBank but they are not showing in AmOnline. What should I do?

This means you need to link your account via AmOnline by following these steps:

Go to AmOnline app > Menu > Account & Card Settings > Link Account > Select account/card type you want to link

7. After I linked my accounts, am I able to delink?

No, you can’t delink your account. You may hide the account from showing in AmOnline at Settings. Once you hide, you won’t be able to see the account at AmOnline anymore.

8. How do I hide my account in AmOnline?

Select account you want to hide > Settings tab > Change the toggle of ‘Show on AmOnline’

9. How can I show a hidden account in AmOnline?

Go to AmOnline app > Menu > Account & Card Settings > Select account you want to unhide.

10. Can I personalize my account nickname in AmOnline?

Yes, to change your account nickname, follow these steps:

Select account > Settings tab > Change Account Nickname

Redeem Fixed / Term Deposits-i

1. How do I redeem my Fixed Deposit/Term Deposit-i account?

You may go to your Fixed Deposit/Term Deposit-i account details, tap on Quick Action > Redeem FD

2. Can I use the printed confirmation receipt to redeem in cash?

No. You can redeem it via AmOnline only.

3. Why is my Fixed Deposit/Term Deposit-i maturity date was not same as per the maturity date during my placement?

With effect from Friday, 12 April 2019, the policy for maturity date for all existing Fixed Deposits and Term Deposits for all states will follow the Federal Territory of Kuala Lumpur’s weekend and Public Holidays as well as State Holidays calendar i.e.:

All maturity dates that fall on a Saturday or Sunday for all states will be shifted to Monday or the next business day, if Monday is a Public or State Holiday in the Federal Territory of Kuala Lumpur.
Example 1: if the Fixed Deposits/Term Deposits matures on 10 May 2019 (Friday which is a weekend for the states of Kelantan and Terengganu), the maturity date will remain unchanged i.e. 10 May 2019 as it is a working day in Kuala Lumpur.
All maturity dates that fall on a Federal Territory of Kuala Lumpur’s Public or State Holiday, the maturity date will be shifted to the next business day, regardless of the states.
Example 1: if the Fixed Deposits/Term Deposits matures on 1 May 2019 (National Public Holiday), the maturity date will then be shifted to 2 May 2019, with the interest/profit to be paid up to 2 May 2019.

4. Can I convert a Fixed Deposit/Term Deposit-i placed at branch to an AmOnline eFixed Deposit/Term Deposit-i?

No. You will need to redeem the Fixed Deposit/Term Deposit-i first at the branch, and then make a Fixed Deposit/Term Deposit-i placement via AmOnline.

5. What do I do if I want to change the tenure or principal amount on my Fixed Deposit/Term Deposit-i?

You are not able to change the tenure or the principal amount. Instead, you have the option to either perform premature redemption or redeem upon maturity date on AmOnline.
Thereafter, you may make the new placement on the same day.

6. Can I perform a premature redemption?

Yes, you can. However, effective Tuesday, 1 January 2019 onwards, all Fixed Deposit/Term Deposit-i placements which are withdrawn before maturity will have NO interest/profit payable.

7. Will I be able to cancel the Fixed Deposit/Term Deposit-i account?

Placement of Fixed Deposit/Term Deposit-i is online and immediate. Hence if you wish to cancel it, you can perform an account redemption immediately.

8. Can I withdraw a certain amount of my Fixed Deposity/Term Deposit-i or make a partial redemption?

No, partial redemption is not available.

Place a new Fixed / Term Deposit-i

Place Fixed Deposits / Term Deposits-i (FD/TD-i) on AmOnline

1. What is AmOnline Fixed Deposit/Term Deposit-i?

Fixed/Term Deposit is a service that allows you to make Fixed Deposit/Term Deposit-i placement & redemption through AmOnline without the need to visit a branch.

2. How do I place a new fixed deposit/term deposit-i?

You may go to Quick Actions > Place FD/TD-i.

3. What is the criteria for placing a new fixed deposit/term deposit-i?

You need to have an AmBank Current/Savings account or AmBank Islamic Current/Savings Account-i.

4. How do I get the Reward Code?

You may check out our AmBank website for any promotional updates regarding Fixed Deposits/Term Deposits-i.

5. Is the service available 24 hours?

No, the service is available daily from 6am to 11.45pm only.

6. What is the minimum and maximum deposit amount?

Transfer from own AmBank account:

Fixed Deposit: The minimum amount is RM5,000 for 1 month and RM500 for tenure 2 months and above. There is no maximum amount.

Term Deposit: The minimum amount is RM1,000 for 1 month and RM500 for tenure 2 months and above. There is no maximum amount.

Transfer from Other Bank via FPX:

Fixed Deposit: The minimum amount is RM5,000. The maximum amount is RM30,000*.

Term Deposit: The minimum amount is RM5,000. The maximum amount is RM30,000*.

*Maximum limit also depends on the FPX transaction limit allowable that you set up in AmOnline

7. What are the interest rates / profit rates and tenures available under Fixed Deposit/Term Deposit-i?

You can refer to our website www.ambank.com.my/eng/rates-fees-charges.

8. I have placed a Fixed Deposit/Term Deposit-i through AmOnline. When is the effective date of my FD/TD-i placement? When will the FD/TD-i account reflect in AmOnline?

All Fixed/Term Deposit-i placement will take effect immediately and you will be able to view the account in AmOnline immediately as well.

9. Will there be a physical Fixed Deposit/Term Deposit-i certificate issued?

No. However, upon confirmation of placement, you can choose to download/print the Fixed Deposit/Term Deposit-i confirmation receipt for your own reference.
Alternatively, you can also view the transaction at the Recent AmOnline Transactions.

10. Are all Fixed Deposit/Term Deposit-i accounts auto-renewable?

Yes.

11. Can I perform a FD/TD-i placement from a 3rd party other bank account via FPX?

No, the account you are transferring from must be your own personal account.

12. Is the FD/TD-i placement from my other bank account via FPX immediate?

Yes, it is immediate. You can see the transaction status displayed at your AmOnline dashboard.

13. I performed a FD/TD-i placement from my other bank account via FPX, but the transaction shows unsuccessful and my other bank account has been deducted. When will the money be refunded?

Money will be refunded to you within 3 business days. Please call our contact center if you still have not received the refund after 3 business days.

Unit Trust Investments*

Manage your Unit Trust Investments

General

1. What is AmOnline’s Investment account?

It is an account that can be opened via AmOnline to buy and redeem Unit Trust (UT) funds online. If you already have an Individual Unit Trust Investment Account with AmBank, you do not need to open another account to perform UT transactions in AmOnline.

2. What are the functions available in AmOnline’s Investment services?

Investment Account Opening
View Portfolio Summary – View your Unit Trust account summary with estimated unrealised gain/loss based on the latest available Net Asset Value (NAV).
Browse Funds – You can view the different funds available on AmOnline in the Browse Fund section and get more information about them
Buy/Buy More – Buy a new fund or buy more of a fund that you already have
Redemption – Sell the units owned for cash redemption
View Recent Transactions – View the status of your Unit Trust transaction performed in AmOnline in Recent AmOnline Transactions and cancel them before the stipulated cut-off time.
View Transaction History – view all the Unit Trust transaction history of your Unit Trust account for the last 2 years.

3. Who can access AmOnline’s Investment services?

All AmOnline users with active current / savings account can access these services under the following conditions:

If you are an existing investor, you can directly view your portfolio summary and past Unit Trust transactions.
If you do not have an investment account, you can still browse funds available in AmOnline. However, you will need an Individual Investment Account to perform any Unit trust related transactions in AmOnline.

4. What are the services availability time?

You can access the Investment services on AmOnline 24 x 7. The last updated date of your account details and fund portfolio will be displayed at your account details section.
However, all transactions performed are subject to the cut-off time of 3PM on business day. Transactions performed after cut-off time will be processed the next business day.

Note: Due to MCO, the cut off time effective 1st June 2021 will be at 1PM, until further notice.

5. If I have any queries regarding AmOnline’s Investment account, how I can seek assistance?

You may contact your servicing Relationship Manager or Personal Banker
You may visit the nearest AmBank branch

View your Investments and Perform Transactions

1. Do I need a Unit Trust (UT) investment account to perform UT transactions?

Yes. All UT transactions in AmOnline require you to have an Individual Investment account, which can be opened via AmOnline. You cannot perform a UT transaction in AmOnline using a Joint Investment Account.

2. How do I buy Unit Trust funds in AmOnline?

Tap for Quick Actions > Browse Funds > Tap on a fund that you are interested in buying
Please refer to FAQ 15 for more information on supported funds.

3. Can I buy more of a Unit Trust fund that I already have? How?

Yes, you can. Go to My Portfolio > Swipe a fund > Tap on Buy More

4. I could not see the Buy More button or I could not swipe a fund in My Portfolio. Why is that?

It means that you are not allowed to buy more of that fund in AmOnline.

Potential reasons below:

You are not eligible to buy that fund anymore.
The fund can only be bought in the Branches or via a Relationship Manager.
The fund is not available for purchase anymore.
Other reasons

Please refer to FAQ 15 for more information on supported funds.

5. Is there a minimum initial subscription (for first time purchase) and subsequent subscription (subsequent purchase of existing funds) amount?

Yes, there is. These will be displayed to you when you are asked to input your investment amount.

6. How can I fund my investment? / What Plan Types are supported in AmOnline?

Only Cash Plan is supported in AmOnline. However, you will still be able to view funds that you have invested using other Plan Types / Investment Schemes in your Portfolio Summary.

7. Why do I need to select my Current / Savings Account as my Debiting Account when performing Unit Trust purchase?

This allows immediate deduction from your selected account when you are buying funds. All unit trust investments made in AmOnline are via Cash plan only.

8. Can I exercise my Cooling Off Rights in AmOnline?

No. AmOnline currently does not support this feature. You will need to visit your nearest branch or contact your servicing Relationship Manager or Personal Banker to exercise your cooling off rights.

9. What are the basic requirements to buy a fund via AmOnline?

You need to have an active AmBank or Ambank Islamic Current / Savings Account/-i (CASA/-i) and must be 18 years or above AND 65 years old or below.

10. How do I redeem my Unit Trust fund in AmOnline?

Go to My Portfolio > Swipe a fund > Tap on Redeem

You can do a partial or full redemption in AmOnline.

Please refer to FAQ 15 for more information on supported funds.

11. Is there a minimum redemption unit on Wealth?

Yes, partial redemption is subject to a minimum redemption of 100 units or such other quantity as the Bank may from time to time decide. Please approach the nearest AmBank branch for partial redemption lower than 100 units. There are no restrictions on the frequency of full or partial redemptions in a year.

12. Why do I need to select a Current or Savings Account/-i (CASA/-i) as my Crediting Account when I perform Unit Trust redemption?

This allows crediting to your selected account once the fund redemption process is completed.

13. How long does it take for the redemption amount to be credited into my Crediting Account?

This may take around 5 to 10 calendar days depending on the fund that was redeemed, as required by the Fund Management Company processing the redemption.

14. Can I perform Switching or Transfer of Unit Trust funds on AmOnline?

No. AmOnline currently does not offer these features. You will need to visit your nearest branch or contact your servicing Relationship Manager or Personal Banker to perform these transactions.

15. What funds can I transact with on AmOnline?

You can buy and redeem all funds distributed by AmBank (M) Berhad except for the following:

Amanah Hartanah Bumiputera (AHB),
Private Retirement Scheme (PRS) funds,
Money Market funds,
Wholesale funds (Only available to High Net Worth individuals)

To transact with these funds or to know more, please visit your nearest branch or contact your servicing Relationship Manager or Personal Banker.

16. What is the transaction cut off time?

AmOnline Unit Trust transaction cut-off time is at 3PM. Transactions performed after cut-off time will be processed the next business day.

Note: Due to MCO, the cut off time effective 1st June 2021 will be at 1PM, until further notice.

17. How do I know if my transaction has been processed or not?

You may check in Transactions section of your Investment Account. Tap for Quick Actions > View Transactions
Balance of your Unit Trust fund will be updated accordingly in the My Portfolio section once your transaction has been processed.

Transaction processing times are shown below:

Transaction before cut-off time: Processing complete after 2 business days.

Transaction after cut-off time: Processing complete after 3 business days.

For further checking, please contact AmOnline customer care at 03-2173 6666 or email us at customercare@ambankgroup.com.

18. Can I cancel a transaction made in AmOnline, and if so, how?

Yes. You can cancel your transaction (buy or redemption) submitted on the day, before the cut off time.
The cancellation of your transaction and the refund of your purchase amount would be effective immediately.
To cancel: Go to Recent AmOnline Transactions > Tap on a Buy or Redeem Fund transaction > Tap on Cancel

19. Can I cancel a transaction made at the branch through AmOnline?

No, you cannot cancel via AmOnline any transactions made at the branch. However, once the branch transaction has been processed, it will be reflected in your Portfolio Summary and Transaction History in AmOnline. You will also be able to perform Top up or Redeem transactions for a fund that was bought in branch.

20. What should I do when I encounter an issue while performing AmOnline Unit Trust transactions?

Please contact AmOnline customer care at 03-2173 6666 or email us at customercare@ambankgroup.com.

Get more Information

1. Where can I find more information on a Unit Trust Fund?

You can get more information below:

When buying a fund from Fund Browser
Browse Fund > Tap on a fund

When buying more of a fund you already have from My Portfolio
My Portfolio > Swipe a fund > Tap on Buy More

The information below is available:

Prospectus
Fund Fact Sheet
Product Highlight Sheet
Financial Report
Fund performance and other information relating to the fund

Please read the disclaimer and Click on “Accept Disclaimer” to accept the disclaimer to access the available information.

2. How can I know, which fund is suitable for me?

All funds displayed in the Browse Fund section under “Suitable Funds” are those that meet your risk tolerance. To view and buy funds of higher risk, choose “Other Funds”. For easy reference, each fund in the Browse Fund section are labelled with their risk category. If you need further assistance on your investment plan, please visit your nearest branch or contact your servicing Relationship Manager or Personal Banker.

3. Where can I know how a Unit Trust fund is performing (fund performance)?

You can get this information below:

When buying a fund from Fund Browser
Browse Fund > Tap on a fund > Tap on View Performance

When buying more of a fund you already have from My Portfolio
My Portfolio > Swipe a fund > Tap on Buy More > Tap on View Performance

4. What are the information available?

Prospectus
Fund Fact Sheet
Product Highlight Sheet
Product Highlight Sheet
Financial Report
Fund performance
Fund details
Fund statistics
Other information relating to the fund

5. Why can’t I view the prospectus of the fund?

To view the prospectus, an Adobe Acrobat Reader software is required. Please visit www.adobe.com to download the software. If you are still having issues, please contact AmOnline customer care at 03-2173 6666 or email us at customercare@ambankgroup.com.

Update your Risk Profile

1. What is a Risk Profile?

Risk Profile shows your risk preferences when it comes to investing. You can choose your preferred Risk Profile during Investment Account Opening via AmOnline or when you want to update it at a later time in your Account Details.

Funds will be displayed for purchase according to your Risk Profile, as Suitable or Other Funds.

2. How do I update my Risk Profile?

Go to the “Details” tab of your Investment Account and tap on “Update Risk Profile”. Joint Investment Account holders cannot update their risk profile via AmOnline.

3. Why do I need to update my Risk Profile?

You will need to update your Risk Profile if it has expired, in order for you to buy funds in AmOnline. You might also want to update it if your risk preferences have changed.

Open a new Investment Account

Open a new Unit Trust Investment Account

1. How can I open a Unit Trust Investment Account in AmOnline?

Via account opening banner in your account dashboard, click on “Set Up Now”.

Then, follow the steps and fill in the necessary information to successfully open a Unit Trust Investment Account.
Via your AMY Quick Action menu (for Joint Investment Account Holders)

2. What are the basic requirements to open a UT Investment account?

You need to have an active Current / Savings Account (CASA) and must be 18 years or above AND 65 years old or below.

3. Can I open a joint investment account via AmOnline?

No. Currently only individual Investment Account Opening is allowed on AmOnline.

4. How do I know if I already have a Unit Trust Investment Account with AmBank?

Your investment account would appear in AmOnline. Clicking on an investment account will lead you to My Portfolio section of that account.

* Available on the mobile app only

Search AmBank

Deposits

Loans and Financing

Cards

Wealth Management

Insurance

SME Banking

Priority Banking

Repayment Assistance

Registration and Setups

1. What’s new with AmOnline?

2. What are the new enhancements of AmOnline?

3. How do I get the new AmOnline app?

4. Where can I access AmOnline?

5. Are there any fees or charges to use the new AmOnline app?

6. What is mobile device binding?

7. What are the benefits of binding my AmOnline account to my mobile device?

8. Can I bind my AmOnline account to multiple mobile devices?

9. I bought a new mobile phone. Can I bind my AmOnline account to this new phone?

10. What are the minimum system requirement to use the new AmOnline?

11. Am I still able to use AmOnline if my system requirement is not as specified above?

12. I am using the new AmOnline, but I can’t log in. What should I do?

13. AmOnline Login Profile

1. I accidentally entered wrong password multiple times. Will my AmOnline profile gets locked?

2. What will happen to my AmOnline profile if I never log in to AmOnline for period of times?

3. How do I know if my AmOnline profile is inactive or dormant?

4. What should I do if my profile is dormant?

5. I terminated my AmOnline profile before, can I log in again to AmOnline?

6. Will my AmOnline profile gets terminated by itself

14. My accounts are missing OR my profile is not shown after I have logged in, what should I do?

15. Does AmOnline support multiple languages?

16. Why are some words still in English even after I choose Bahasa Malaysia or Chinese?

1. Can I Register for AmOnline?

2. I have an AmBank Credit Card/Card-i but I have not activated it. Can I still register for AmOnline?

3. How can I register for AmOnline?

4. How do I know I have registered for AmOnline successfully?

5. Can I use any username that I wish to use?

6. What is AmOnline’s password policy?

7. My mobile number registered with AmBank is outdated. Can I proceed to register AmOnline?

8. Can I update my mobile number at nearest AmBank ATM?

1. What is Quick Access?

2. Can I activate Quick Access in both the current and new AmOnline apps?

3. How do I know if my mobile phone supports biometric feature or do I only need to set up AmOnline PIN as my Quick Access?

4. What is Face ID?

5. What is Touch ID / Fingerprint?

6. What is AmOnline PIN?

7. How secure is Quick Access?

8. How can I activate my Quick Access in AmOnline app?

9. I have activated Quick Access but why do I still get prompted for password?

10. Can I activate Quick Access in multiple mobile phone?

11. I have AmOnline new app and AmOnline existing app. Can I log in with Quick Access in both app?

12. I can’t remember which mobile phone I have my Quick Access activated. How can I check?

13. If I lost my mobile phone, do I need to deactivate my Quick Access?

14. If I have deactivated Quick Access, am I still able log in to AmOnline?

15. What should I do if I am planning to sell one of my mobile device which is registered to the AmOnline mobile app?

1. What is AmSecure?

2. Is AmSecure safe to use?

3. How do I authorise transactions using AmSecure?

4. How can I activate AmSecure in AmOnline app?

5. When will I be asked to authorise transactions via AmSecure?

6. For which transaction is AmSecure authorisation applicable?

7. I have AmBank Secure app and new AmOnline app. Which app do I need to use to approve my transactions?

8. I received an error message that my transaction is about to exceed RM10,000/day limit and I need to activate AmSecure transaction. Why?

9. I have activated AmSecure in the new AmOnline app but I do not receive any push notifications on my mobile when I perform transactions using the web. Why and what should I do?

10. I received AmSecure push notification but I did not perform any transaction. What should I do?

11. Can I activate AmSecure in multiple mobile phones?

12. How can I deactivate AmSecure?

13. I have deactivated AmSecure, am I still able to perform transactions in AmOnline?

14. How do I check which mobile phone I have activated AmSecure with?

15. If I lost my mobile phone, do I need to deactivate my AmSecure?

16. If I have deactivated AmSecure, am I still able log in to AmOnline?

17. What should I do if I am planning to sell my mobile device which is registered to AmOnline mobile app?

1. What is Favourites?

2. What is the difference between "Own" and "Others"?

3. How do I create a new Contact?

4. How do I add a new Account to a Contact?

5. How do I edit a Contact?

6. How do I delete a Favourite Contact?

7. How do I edit an Account within a Favourite Contact/Profile?

8. How do I delete an Account within a Favourite Contact/Profile?