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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.
Some of the many improvements include:
And many more!
You are able to access AmOnline from anywhere in the world provided that you have an Internet connection (Wi-Fi or mobile data).
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.
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).
By binding your AmOnline account to your mobile device, besides being more secure, it allows you:
No. You can only bind it to one mobile device and it should be your personal mobile 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.
The minimum system requirements are:
App:
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
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.
If you have trouble logging in to AmOnline, it may be due to the following reasons:
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.
Log in to AmOnline via AmOnline app or web browser. After successful credential,
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.
No, you will not able to log in again after your profile is terminated. You will need to register AmOnline again.
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.
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.
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.
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.
You can register for AmOnline if you have any of the below:
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.
You can register AmOnline via AmOnline app or browser. To register AmOnline, follow below steps:
Steps to register in the app:
Steps to register in the web:
And you’re done!
We would send you an SMS and email notifying you of your successful registration.
Your username must consist between 6 to 15 characters with combination of letters and numbers, without space.
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.
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.
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 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.
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.
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 |
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.
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.
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.
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.
You can activate Quick Access in AmOnline app during –
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.
No, you cannot. You can only activate Quick Access in one mobile phone and your AmOnline profile must be bounded to that mobile phone.
No, Quick Access is enabled only in one of the app. We encourage you to activate in the new AmOnline app.
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.
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”
Yes, you can. You can still log in using your password.
We advise you to remove your Face ID/Touch ID/Fingerprint setup from your phone settings. Then, uninstall the AmOnline app.
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.
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.
App
Web
Note: If you did not receive any push notifications, please go to Menu > Approval in the app (before logging in)
You can activate AmSecure in the new AmOnline app during
Note: AmSecure can be activated only on AmOnline mobile app. This option is not available in AmOnline web browser.
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.
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.
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.
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.
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.
No, you can’t. You can only activate AmSecure in one mobile phone and your AmOnline profile must be bounded to that mobile phone.
Log in to AmOnline > Go to Menu > Sign-in & Security > AmSecure.
Once AmSecure is deactivated, you will receive SMS TAC instead to authorise transactions.
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.
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.
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.
Yes, you can. You can still log in with your password.
We strongly advise you to deactivate your AmSecure setup from your phone settings before uninstalling the app from your mobile device.
Favorites
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 the future.
Own (You)
This section is for you to add accounts that belong to you. Accounts that you can add here are:
Others (Other than you)
In your Contact, you can add accounts that belong to that Favourite Contact. Accounts that you can add here are:
App
Log in to AmOnline > Menu > Favourites > Add New Favourite
Web
Log in to AmOnline > Settings > Favourites > Add New Favourite
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
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
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
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
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)
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
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.
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.
For security reasons, you are unable to upload your own image. However, we provide lots of security images for your selection.
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.
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.
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
| 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 |
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:
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.
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.
For Quick Access and AmSecure, refer to Quick Access and AmSecure
Contact and Support (including AmMail)
You can report any issues, raise queries or leave a feedback through our online messaging platform, AmMail.
More details of the AmMail feature are listed below.
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.
Yes, our Contact Centre agents will reply to your messages as soon as they can.
Yes, you can.
No, once the conversation has been closed by our agents, you would need to create a new message.
Yes, you may.
DuitNow Registration & Settings
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!
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: -
App: Menu > DuitNow Settings > Register / Add new mobile number
Web: Settings > DuitNow Settings > DuitNow ID > Register / Add Mobile Number
You can register up to 5 DuitNow IDs which consists of 4 mobile numbers and 1 identification number (NRIC, Passport, Army/Police Number).
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.
App: Menu > DuitNow Settings > Swipe left to Activate / Deactivate
Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Activate / Deactivate
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
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
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
You may link your DuitNow ID to your AmBank or AmBank Islamic current or savings account/-i.
Forgot Username & Password
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.
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.
Yes, you can.
You can also use your AmBank debit card if you have one.
No, you must use your debit card for this purpose. Debit card has a better security control over your AmOnline account.
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:
Account Settings
CASA Account Settings
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”.
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.
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.
“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.
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.
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
“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.
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.
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
“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.
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.
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
“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.
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.
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
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
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
Yes, you can edit multiple transaction types at one time. Simply tap edit on another transaction type after editing a particular transaction type.
The default limit is the limit set for each transaction type when you first register for AmOnline.
For security reasons, you are only able to change your transaction limit after 24 hours upon registering for AmOnline.
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 |
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
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.
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
A push notification is a new and secure way of delivering transaction notifications to your mobile phone via AmOnline app.
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.
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.
Yes, go to Menu > Inbox > Notifications.
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.
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.
To receive push notification from AmOnline app, your mobile phone must have allowed access to AmOnline app to send notifications.
For iPhone,
For Android phone
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.
Yes. As long as your mobile phone is connected to internet and your mobile phone allows notifications from AmOnline app.
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.
Please call our contact center immediately to lodge a report.
SMS TAC
TAC refers to Transaction Authorisation Code that is sent through SMS to your registered mobile number for you to authorise your transaction.
Yes, there are certain actions in AmOnline that still require SMS TAC. Refer below:
No, SMS TAC is no longer required if you are logged in from your bounded mobile phone.
SMS TAC is required only if:
We have upgraded our security measures to better protect your account. SMS TAC is required to authorise your AmOnline access from a new browser.
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:
* Available on the mobile app only
Transfers (Payment Transfer)
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 or identity number.
For transfer to your own account or favourite, select ‘Own/Favourite’ tab to transfer to your own accounts or saved favourites.
Log in to AmOnline > Quick Actions > Transfer Money
Transfer to new recipient | Transfer to Own/Favourite (refer to Q3 for transfer using own account from other bank to AmOnline via FPX) |
|
|
No, the account you are transferring from must be your own personal account.
Yes, it is immediate. You can see the transaction status displayed at your AmOnline dashboard.
Money will be refunded to you within 5 business days. Please call our contact center if you still have not received the refund after 5 business days.
For 3rd 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.
IBG
IBG is a remitting funds service which is not reflected immediately to the beneficiary’s account and is 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.
Instant Transfer service has been rebranded to DuitNow. For more information on DuitNow, kindly refer here.
For transactions within AmBank accounts, there are no charges. For IBG transactions, there will be a nominal service fee of RM0.10 per transaction. For DuitNow transactions, there are no charges for transaction of RM5,000 and below. For transactions 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.
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.
For DuitNow transactions, 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.
You can repeat a past transaction by searching the transaction on AmOnline History and tap on ‘Repeat’.
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.
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.
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.
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)*
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.
All AmOnline users with savings and/or current accounts can use this facility.
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.
You can transfer RM250 at minimum and a maximum of up to RM10,000 per day.
Log in to AmOnline > Quick Actions > Transfer Overseas
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 |
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 |
The foreign bank may charge extra costs to the recipient of the fund. This is usually deducted from the total payable to the beneficiary.
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.
Please contact our Contact Centre hotline at +603 2178 8888 if you have any enquiries.
The transaction could be rejected due to: -
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
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.
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.
One-Off
Recurring
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.
App
Log in to AmOnline > Menu >Scheduled Transactions
Web
Log in to AmOnline > Settings >Scheduled Transactions
To change the transaction date, kindly delete the current scheduled transaction and set a new date accordingly.
App
Log in to AmOnline > Menu >Scheduled Transaction > Swipe left or tap on the transaction to deletes
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
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!
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: -
App: Menu > DuitNow Settings > Register / Add new mobile number
Web: Settings > DuitNow Settings > DuitNow ID > Register / Add Mobile Number
You can register up to 5 DuitNow IDs which consists of 4 mobile numbers and 1 identification number (NRIC, Passport, Army/Police Number).
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.
App: Menu > DuitNow Settings > Swipe left to Activate / Deactivate
Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Activate / Deactivate
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
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
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
You may link your DuitNow ID to your AmBank or AmBank Islamic current or savings account/-i.
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
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.
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.
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.
DuitNow QR payments/transfers will be processed immediately.
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.
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.
There will be no charges associated when performing DuitNow QR services at the moment.
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.
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.
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
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.
You can view the details at Recent AmOnline Transactions or your account Transaction History.
You will see an “Insufficient Balance” message and will be unable to proceed with the transaction.
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.
You may link your DuitNow QR to any of your active Current/-i Account or Savings/-i 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.
You can only link one (1) Current/-i Account or Savings/-i Account with one (1) device only.
No, DuitNow QR is currently available for use in Malaysia only.
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.
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.
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.
The processing time for your bills to be updated may take up to 2 or 3 working days from the transaction date.
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.
Yes, you can perform scheduled payments. Please refer to “Scheduling a Bill Payment” .
You can view the past payments at Recent AmOnline Transactions.
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.
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
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.
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.
One-Time
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.
For AmOnline app, go to Menu > Scheduled Transactions.
For AmOnline Web, go to Settings > Scheduled Transactions.
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.
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.
It is a service where you can top up your existing prepaid accounts / services of various products; ranging from Mobile Phone Prepaid to Online Gaming Prepaid via AmOnline.
You can choose from CASA or Credit Card accounts.
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.
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.
You will receive the prepaid top up instantly. However it is subjected to the service availability of Mobile Service Provider.
You can view the past prepaid top up at Recent AmOnline Transactions.
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.
Prepaid Top Up daily transaction limit is RM 500.00. You may change the transaction limit at Menu > Transaction Limit > Payments > Prepaid Top Up.
No, this service is free of charge.
If you did not receive the prepaid product within 5 minutes, kindly contact our AmBank Contact Centre for assistance.
All successful transactions are non-refundable. Please ensure that you have provided all the necessary information correctly before submitting your request.
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.
The service charge imposed for this service varies according to the type of service and merchant selected by customers.
Kindly contact AmBank Contact Center for further investigation.
Visit https://paynet.my/personal-fpx.html to find out more about FPX services. .
Manage your Credit Card
View Card Details
My Accounts
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.
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
Select the account > Transactions tab > tap/click on the download button
The list below shows how long the transaction history is for each product:
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.
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)
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
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.
Select account you want to hide > Settings tab > Change the toggle of ‘Show on AmOnline’
Go to AmOnline app > Menu > Account & Card Settings > Select account you want to unhide.
Yes, to change your account nickname, follow these steps:
Select account > Settings tab > Change Account Nickname
eStatement
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
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
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
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.
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.
For more information, please visit https://www.paynet.my/directdebit/faq.html
Manage Credit Card Settings
Go to your credit card and tap/click on the Settings tab
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.
Go to your credit card > tap/click on the Settings tab > Tap/click on Block this Card
Pay 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
You can pay other bank’s credit card by clicking/tapping Transfer Money > New Recipient > Credit Card.
Yes, upon entering or confirming the amount, select Transfer Later to proceed.
Minimum Payment is the minimum amount that you have to pay for the current cycle statement.
Unpaid Statement Balance is the amount that has yet to be paid for the current cycle statement.
Outstanding Balance is the total outstanding amount for your credit card.
Activate Credit Card
You may activate AmBank credit card if you are the principal cardholder.
You can only activate a Supplementary Card if you are the supplementary cardholder.
Please ensure that you have received your physical card before activating it.
In this case, you are advised to call our Contact Centre to enquire this issue.
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.
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.
You may call our Contact Centre to enquire the status of your AmOnline account.
Apply for 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.
You can only apply if you:
You may apply any amount from RM1,000 to RM50,000, or up to your current available credit card limit, whichever is lower.
You may go to Quick Actions > Apply for More Services > Do More With Your Card > Apply Balance Transfer
You may call our Contact Centre to follow up on your application status.
You may find your previously submitted applications in Quick Actions > Apply for More Services > View Application History.
Get 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.
You can only apply if you:
You may apply any amount from RM1,000 to RM50,000, or up to your current available credit card limit, whichever is lower.
You may go to Quick Actions > Apply for More Services > Do More With Your Card > Get QuickCash
Note: Processing time aforementioned are on best effort basis.
You may call our Contact Centre to follow up on your application status.
You may find your previously submitted applications in Quick Actions > Apply for More Services > View Application History.
Boost your Credit Limit*
Credit Limit Increase is a feature that enables you to increase your credit card’s limit, either temporarily or permanently.
You can only apply if you are a principle cardholder of an active, individual credit card.
You may go to Quick Actions > Apply for More Services> Do More With Your Card > Boost Your Credit Limit
You may apply for 7, 14 or 30 days for temporary Credit Limit Increase.
You may call our Contact Centre to follow up on your application status.
You may find your previously submitted applications in Quick Actions > Apply for More Services> View Application History.
Get a New Card*
Get a New Credit Card
You can only apply if you:
You may go to Quick Actions > Apply for More Services > Get Credit Card > Get a New Credit Card
Yes, you may.
Yes, you can always complete your application later in Quick Actions > Apply for More Services > View Application History.
If you still wish to apply for a credit card, you will need to restart the entire application process again.
Your credit card application could take up to 1 week to be processed for approval.
Note: Processing time aforementioned is on best effort basis.
You may call our Contact Centre to follow up on your application status.
You may find your previously submitted applications in Quick Actions > Apply for More Services > View Application History.
Get a 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.
You can apply if you:
You may go to Quick Actions > Apply for More Services > Get Credit Card > Get a Supplementary Card.
Yes, the supplementary cardholder must be at least 18 years old to be eligible for one.
Yes, you can save your application and complete your application later in Quick Actions > Apply for More Services > View Application History.
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.
Your credit card application could take up to 1 week to be processed for approval.
Note: Processing time aforementioned is on best effort basis.
You may call our Contact Centre to follow up on your application status.
You may find your previously submitted application in Quick Actions > Apply for More Services > View Application History.
Manage your Debit Card
Manage Debit Card Settings
Select your debit card and tap/click on the Settings tab
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.
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 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.
For AmOnline Mobile App:
For AmOnline Web Browser:
Yes, once your debit card is activated for oversea/online usage, it can be used immediately for overseas/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.
In this case, all your oversea or internet/online transactions will be declined.
Activate Debit Card
Yes, you may activate AmBank debit card
Before you log in, tap/click on Activate Card.
In this case, you are advised to call our Contact Centre to enquire this issue.
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.
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.
You may call our Contact Centre to enquire the status of your AmOnline account.
Manage your Loans / Financings
View Loan / Financing Details
My Accounts
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.
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
Select the account > Transactions tab > tap/click on the download button
The list below shows how long the transaction history is for each product:
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)
This means you need to link your account via AmOnline by following these steps:
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.
To hide your account, follow these steps:
You can show a hidden account in AmOnline, by following these steps:
You can see the account at your dashboard.
Yes, to change your account nickname, follow these steps:
Select account > Settings tab > Change Account Nickname
eStatement
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
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
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
You can pay other bank’s loan by clicking/tapping Transfer Money > New Recipient > Loan.
Yes, upon entering or confirming the amount, select “Transfer Later” to proceed.
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
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:
You can only apply if you:
You may go to Quick Actions > Apply for More Services > Get Loan/Financing > Apply for Personal Loan
All applicants must have an AmBank Savings Account or AmBank Islamic Savings Account-i to receive the cash disbursement.
Yes, you can always complete your application later in Quick Actions > Apply for More Services > View Application History
If you still wish to apply for a personal loan, you will need to restart the entire application process.
Yes, you will receive an SMS on the status if your application is approved.
Your application could be approved and funds disbursed within 72 hours for completed documentation scenario.
Note: Processing time aforementioned is on best effort basis.
There are a few ways to pay your monthly installments:
You may find your previously submitted applications in Quick Actions > Apply for More Services > View Application History.
Consolidate your Debts
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:
You can only apply if you:
You may go to Quick Actions > Apply for More Services > Get Loan/Financing > Consolidate Debt
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.
Yes, you can save your application and complete your application later in Quick Actions > Apply for More Services > View Application History
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.
Yes, you will receive an SMS on the status if your application is approved.
Your application could be approved and disbursed within 72 hours for completed documentation scenario.
Note: Processing time aforementioned is on best effort basis.
There are a few ways to pay your monthly installments:
You may find your previously submitted application in Quick Actions > Apply for More Services > View Application History.
Manage your Insurance
View Car Insurance Details
My Accounts
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.
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
Select the account > Transactions tab > tap/click on the download button
The list below shows how long the transaction history is for each product:
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)
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
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.
To hide your account, follow these steps:
You can show a hidden account the same way you hid your account (Refer to No. 8).
Yes, to change your account nickname, follow these steps:
Get a new Insurance
Purchase / Renew Car Insurance
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.
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
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.
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.
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.
You may contact our Contact Centre for assistance.
Manage your Accounts
View Account Details
My Accounts
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.
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
Select the account > Transactions tab > tap/click on the download button
The list below shows how long the transaction history is for each product:
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)
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
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.
Select account you want to hide > Settings tab > Change the toggle of ‘Show on AmOnline’
Go to AmOnline app > Menu > Account & Card Settings > Select account you want to unhide.
Yes, to change your account nickname, follow these steps:
Select account > Settings tab > Change Account Nickname
eStatement
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
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
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
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.
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.
For more information, please visit https://www.paynet.my/directdebit/faq.html
Open a new Savings Account*
Open eFlex/-i Savings Account
It is a deposit product that gives you the interest/profit rates of a fixed/term deposit*, while letting you transact just like a savings account.
*Prevailing 3-months FD/TD rate provided the minimum balance is above RM10,000.
For more product details, kindly visit https://www.ambank.com.my/eng/eflex
Yes, it is protected by Malaysia Deposit Insurance Corporation (PIDM) up to RM250,000 for each depositor.
Eligible for individual aged 18 and above.
You may apply for this account via AmOnline mobile app. Tap on Quick Actions > Apply > Open eFlex/-i Savings Account.
If you are an AmOnline user but a non-Malaysian resident, you must have an AmBank/AmBank Islamic deposit account for online account opening.
You may also visit AmBank branches to open an eFlex/-i Savings Account.
Instantly. The account opening is immediate after you have confirmed all your particulars. You can view your newly opened account at your account summary page.
You can open one eFlex Savings Account and one Islamic eFlex Savings Account-i online.
If you do not have any AmBank Debit Card, a new Debit Card will be issued and delivered to your correspondence address.
If you already have an AmBank Debit Card, this newly opened eFlex/-i account will be automatically linked to your existing AmBank Debit Card.
To qualify for the Bonus Interest/Profit, the daily balance must be equal to or more than the threshold balance of RM10,000. Hence, you will need to fund the account with a minimum of RM10,000 on the SAME DAY the account is opened to enjoy the bonus interest/profit.
There is a RM20 minimum balance amount need to be maintained in the account. However, you may view your total balance in the Account Details screen.
You may download the receipt at the confirmation page or you may go to Quick Actions > Apply > Application History and find the account opening application to download receipt.
Manage your Fixed / Term Deposits-i
View Fixed / Term Deposits-i Details
My Accounts
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.
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
Select the account > Transactions tab > tap/click on the download button
The list below shows how long the transaction history is for each product:
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)
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
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.
Select account you want to hide > Settings tab > Change the toggle of ‘Show on AmOnline’
Go to AmOnline app > Menu > Account & Card Settings > Select account you want to unhide.
Yes, to change your account nickname, follow these steps:
Select account > Settings tab > Change Account Nickname
Redeem Fixed / Term Deposits-i
You may go to your Fixed Deposit/Term Deposit-i account details, tap on Quick Action > Redeem FD
No. You can redeem it via AmOnline only.
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.:
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.
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.
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.
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.
No, partial redemption is not available.
Place a new Fixed / Term Deposit-i
Place Fixed Deposits / Term Deposits-i (FD/TD-i) on AmOnline
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.
You may go to Quick Actions > Place FD/TD-i.
You need to have an AmBank Current/Savings account or AmBank Islamic Current/Savings Account-i.
You may check out our AmBank website for any promotional updates regarding Fixed Deposits/Term Deposits-i.
No, the service is available daily from 6am to 11.45pm only.
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
You can refer to our website www.ambank.com.my/eng/rates-fees-charges.
All Fixed/Term Deposit-i placement will take effect immediately and you will be able to view the account in AmOnline immediately as well.
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.
Yes.
No, the account you are transferring from must be your own personal account.
Yes, it is immediate. You can see the transaction status displayed at your AmOnline dashboard.
Money will be refunded to you within 5 business days. Please call our contact center if you still have not received the refund after 5 business days.
Manage your Unit Trust Investments
General
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.
All AmOnline users with active current / savings account can access these services under the following conditions:
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 2pm on business day. Transactions performed after cut-off time will be processed the next business day.
View your Investments and Perform 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.
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.
Yes, you can. Go to My Portfolio > Swipe a fund > Tap on Buy More
It means that you are not allowed to buy more of that fund in AmOnline.
Potential reasons below:
Please refer to FAQ 15 for more information on supported funds.
Yes, there is. These will be displayed to you when you are asked to input your investment amount.
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.
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.
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.
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.
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.
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.
This allows crediting to your selected account once the fund redemption process is completed.
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.
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.
You can buy and redeem all funds distributed by AmBank (M) Berhad except for the following:
To transact with these funds or to know more, please visit your nearest branch or contact your servicing Relationship Manager or Personal Banker.
AmOnline Unit Trust transaction cut-off time is at 2pm. Transactions performed after cut-off time will be processed the next business day.
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.
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
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.
Please contact AmOnline customer care at 03-2173 6666 or email us at customercare@ambankgroup.com.
Get more Information
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:
Please read the disclaimer and Click on “Accept Disclaimer” to accept the disclaimer to access the available information.
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.
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
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
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.
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.
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
You need to have an active Current / Savings Account (CASA) and must be 18 years or above AND 65 years old or below.
No. Currently only individual Investment Account Opening is allowed on AmOnline.
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