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

Tips: You can now perform DuitNow Transfer more conveniently using biometric authentication (Face ID, Touch ID, or Fingerprint), subject to your Quick Payment Limit.

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: -

1. Mobile number
2. NRIC number
3. Army number or Police Number
4. Business Registration Number
5. Passport Number

App: More > DuitNow ID Settings > Swipe left at the unregistered ID > Register
Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3 dots at the unregistered ID > Register.

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

App: More > DuitNow ID Settings > Swipe left to Activate / Deactivate
Web: Settings > DuitNow Settings > DuitNow ID > Click on the 3-dots button to Activate / Deactivate.

App: More > DuitNow ID 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: More > DuitNow ID 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 proceed to the nearest AmBank branch to register your new mobile number as your DuitNow ID.

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

Go to AmOnline App > tap the “Transfer Money”.
You can perform DuitNow Transfer to a recipient by using DuitNow ID (mobile number or ID number), eWallet account or a bank account number/card number.

• If you are looking for an eWallet provider, select “eWallet” in the “Transfer To” dropdown, then search for your preferred provider.
• If you still can’t find it, try selecting “Savings/Current Account” in the dropdown and search again.

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.

For DuitNow Transfer, it is immediate whereas IBG transfers is processed according to the specific cut-off times.

You can enter the recipient ID to validate 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.

There are 2 types of limits applicable to DuitNow Transfer and IBG transfers:

1. Quick Payment Limit – the transaction limit set by you for completing transactions using biometric authentication (Face ID, Touch ID, or Fingerprint).

    

2. Daily Limit – the daily transfer limit set by you for DuitNow Transfer and IBG transfers.

When you make a transfer to a recipient by using DuitNow ID, eWallet account or a bank account number, the transaction is treated as a DuitNow Transfer or an IBG transfer, based on the transfer method you select. Therefore, it is subject to the daily transfer limit for “DuitNow Transfer / DuitNow QR / DuitNow Request / IBG” that you have set in the Transaction Limit settings.

The maximum allowable daily limit is RM50,000, which is shared across these transaction types. E.g. If you have performed IBG transactions of RM20,000 in a day, the remaining limit for other DuitNow transactions will be RM30,000.

Important:

If you increase your personal limit, you will need to serve a cooling-off period.

For more information, please refer to the “Transaction Limit” FAQ.

For a faster and more convenient transfer experience, you can activate Quick Access in the AmOnline App. Once activated, you can complete a transfer using biometric authentication (Face ID, Touch ID, or Fingerprint), provided the transaction amount does not exceed the maximum Quick Payment limit set by the bank.

Note: Biometric feature must first be enabled in your device settings before it can be activated through Quick Access in the AmOnline App.

Refer to “Quick Access” FAQ for the activation steps.

If you have recently bound your AmOnline profile to a personal mobile device, a predefined cooling‑off period will be enforced. During this period, certain transactions including DuitNow Transfer and IBG transfers, will be temporarily restricted until the cooling‑off period is over. Refer to “Cooling-off Period” FAQ for more details.

A nominal service fee of RM0.10 per transaction applies to transactions of RM5,000 and below, while a service fee of RM0.50 per transaction applies to transactions above RM5,000.

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

 

Only common special characters such as +'_-.,\()/:?@!$ are allowed.

The recipient’s name will be shown on the Review page for you to verify the recipient’s name.

If the recipient’s name displayed is different from the person you intend to transfer to, please do not proceed with the transaction.

For security reasons, the recipient’s name is masked on the Review page if we noticed you back and forth from input page to review page or vice versa too many times and without submitting the transaction.

You may tap the edit icon next to the field you wish to update on the Amount & Review page. This allows you to change the pre-filled information.

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

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

You can do so by searching for the transaction at Recent AmOnline Transactions, expand the transaction and select Repeat Transaction. You will be navigating to the input page with all the transfer details pre-filled for you and you will need to confirm it before proceeding for AmSecure Authorisation.

Alternatively, you can save your recipient’s details as your favourite. For subsequent transfer, go to “Transfer Money” menu > select “Favourite” option > select the favourite recipient and then proceed with the transfer.

In the event of any unusual activity on your account(s), we may temporarily hold the transaction and reach out to you to verify its legitimacy before proceeding. This buffer period allows you the opportunity to identify any transactions that you don’t recognise.

For all transactions conducted via AmOnline, you will receive status updates through push and email notifications. You can also view your transactions by filtering for the ‘Pending Verification’ status under Recent AmOnline Transactions.

If a transaction is marked as ‘Pending Verification’, our support team will contact you to confirm the transaction details before approving it for processing.

Once the transaction is processed, you will receive a notification. Alternatively, you can view your transaction history by navigating to Account > Savings/Current.

If you notice any transactions that you didn’t authorise, please call our Contact Centre at +603-2178 8888 for assistance, or let our support team know when they reach out to you for verification so we can assist with the cancellation.

Yes, you can either schedule a DuitNow Transfer or IBG transfers for one-time or recurring. To schedule a transfer, go to AmOnline App and follow below steps:

1. Tap the edit icon in the “Transfer Type” field on the Amount & Review page > Select ‘Transfer Later’.
2. For one-time transfer, select the date you want to transfer. It must be at a future date.
3. For recuring transfer, select the ‘Set as recurring’ checkbox. Select the frequency and end date/number of times of your recurring transfer.

You will receive notifications upon successful transfer on the scheduled date.

Go to AmOnline App > tap “More” at the bottom menu > select “Scheduled Transactions”.