Change Card

Gain back your existing iRakyat account by filling in following information:


I-RAKYAT TERMS AND CONDITIONS

THE ACCESS AND USE OF I-RAKYAT INTERNET BANKING SERVICES IS SUBJECT TO THE AGREEMENT BY THE CUSTOMER TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS

1.   Definitions

1.1   The following terms and expressions shall have the meanings assigned to them unless the context otherwise requires :-

“Accounts”

means any one or more of the Customer’s savings, current, Kad Rakyat, financing, investment or any other accounts which the Customer has or may have with the Bank and which may be accessed through the Banking Internet Services at any time and from time.

“Bank”

means Bank Kerjasama Rakyat Malaysia Berhad, a co-operative society registered under the Co-operative Societies Act, 1993 with its registered office at 21st Floor, Bangunan Bank Rakyat, Jalan Tangsi, 50480 Kuala Lumpur and includes its successors-in-title and assigns.

“Bill Payment Service”

means the payment of Bills which may be made by the Customer to the Service Providers through the Internet Banking Services.

means the bills which may be paid by the Customer to the Service Providers through the Internet Banking Services.

“Business Day”

means any day from Monday to Friday on which the Bank is opened for business in Kuala Lumpur excluding public holidays.

"Customer"

means the person in whose name the Accounts are opened and maintained with the Bank and includes such person’s heirs, personal representatives and successors-in-title.

"Internet Banking Services"

means the banking products and services provided by the Bank which allows the Customer to perform banking transactions over the Internet upon these Terms and Conditions with the use of a personal computer terminal, modem and Security Codes and includes all products and services as may be supplemented, varied or withdrawn by the Bank at any time and from time to time.

"Network Service Provider"

means any Internet service provider or commercial online service provider providing connection to the Internet.

"Password"

means a user access key created by the Customer and known only to the Customer and the Bank’s computer system which must be keyed in by the Customer to enable the Bank’s computer system to authenticate the Customer’s User ID before granting the Customer access to the Internet Banking Services.

"Ringgit Malaysia or RM"

means the lawful currency of Malaysia.

"Security Codes"

means the security codes which will identify and verify the Customer when the Customer access and utilises the Internet Banking Services comprising of the Password, User ID and includes any other security codes as the Bank may issue at any time and from time to time.

"Service Providers"

means the companies or corporations which are approved by the Bank and whose Bills may be paid by the Customer through the Internet Banking Services and includes any company or corporation included or substituted by the Bank at its absolute discretion at any time and from time to time.

"Terms and Conditions"

means these terms and conditions governing the use of the Internet Banking Services and includes any amendments, additions, variations or deletions made at any time and from time to time and shall refer to the terms and conditions prevailing at that time.

"Third Party Accounts"

means any one or more of the accounts of third parties opened and maintained at the Bank to which the Customer wishes to make fund transfers.

"User ID"

means a name created by the Customer which must be keyed in by the Customer to enable the Bank’s computer system to associate the Customer with the Customer’s user profile and Accounts.


1.2 Interpretation

(a) Words importing the singular shall include the plural and vice versa and those importing the masculine gender shall include the feminine gender and neuter gender and vice versa.

(b) Where there are Two (2) or more persons comprised in the term "the Customer", instructions, agreements, undertakings, obligations expressed to be issued or given by or made by one person shall be deemed to have been issued or given by or made by and binding upon such persons jointly and severally.

(c) In the event there is any conflict in the interpretation of these Terms and Conditions and any translation of these Terms and Conditions in any other language, the English version of these Terms and Conditions shall prevail.


2. Application for the Internet Banking Services

2.1 To be eligible to subscribe for the Internet Banking Services, the Customer :-

(a) must be Eighteen (18) years of age and above; and

(b) must have one or more existing Accounts with the Bank; and

(c) must have an active Kad Rakyat or Debit Card or Credit Card (If a user has all the three cards, user can only use active Kad Rakyat to obtain T-PIN and if user have Debit or Credit Card, user must use Debit Card to obtain T-PIN)

(d) however, the client who do not have any cards with Bank, but they have any other account (Ar-Rahnu or financing account) they also may call Bank Rakyat’s Call Centre to register via temporary ID.

(e) the Accounts which the Customer intends to link to the Internet Banking Services are those which can be operated at least by One (1) signatory.

2.2 The Bank has the sole and absolute discretion to accept or reject the Customer’s application without having to disclose its reason for doing so or to respond to any request for information.


3. Terms and Conditions

3.1 The Internet Banking Services are provided on these Terms and Conditions. The Bank reserves the right to amend, add to, vary or delete any or all of these Terms and Conditions, and/or vary or terminate all or any part of or the scope of the Internet Banking Services, and/or offer new or additional products or services at any time and from time to time at its absolute discretion with or without prior notice.

3.2 These Terms and Conditions shall be read together with the terms, conditions, rules and regulations governing and regulating the Accounts. If there is any inconsistency between the terms, conditions, rules or regulations of the Accounts and these Terms and Conditions, these Terms and Conditions shall prevail.


4. Acceptance of Terms and Conditions

4.1 The Customer agrees that the use of the Internet Banking Services or any part thereof by the Customer constitutes the agreement to and receipt of these Terms and Conditions as well as the acknowledgment and acceptance by the Customer of the inherent risks associated with carrying out transactions through the Internet.

4.2 Where there are any changes to any of these Terms and Conditions, and/or the Internet Banking Services and/or the scope thereof, the continued use of the Internet Banking Services shall be deemed as acceptance and receipt by the Customer of the changes in these Terms and Conditions, and/or the Internet Banking Services and/or the scope thereof.

4.3 Where the Bank offers new or additional products or services, the acceptance by the Customer of such new or additional products or services in the manner prescribed by the Bank and use of such products or services shall be on these Terms and Conditions and such other additional terms and conditions (if any) as may be prescribed by the Bank.


5. Equipment, Software and Network Access

5.1 The Customer is responsible for the installation, operation, maintenance, security, costs and expenses of the Customer’s computer terminal, related software (including the Internet browser software) and hardware used to access the Internet Banking Services and to ensure that the computer terminal and related software and hardware meet the minimum requirements specified by the Bank at any time and from time to time.

5.2 The Customer’s access to the Internet Banking Services through a Network Service Provider and other relevant third parties may be subject to payment of fees and charges and compliance with terms and conditions as may be stipulated by the Network Service Provider and such other third parties and the Customer shall make such payments and comply with such terms and conditions at the Customer’s sole cost and expense.

5.3 The Bank is not responsible for any losses, damages or expenses whatsoever and howsoever which may be incurred or suffered by the Customer arising from the non-compliance of any of the above matters.


6. Access to the Internet Banking Services

6.1 The Customer will be required to create an Internet Banking T-PIN via the Customer’s ATM before the Customer can logon to the Internet Banking Services. The Customer will be required to choose a User ID and Password and disclose such other personal and financial information as the Bank may require before the Customer may proceed to access the Internet Banking Services. As soon as the Customer receives on-screen confirmation of the Customer’s User ID and Password, the Customer’s access to the Internet Banking Services will be activated.

6.2 For subsequent access to the Internet Banking Services, the Customer will be required to key in the User ID and Password.

6.3 The Bank reserves the right to invalidate the User ID and Password without giving any prior notice or explanation and the Customer shall not hold the Bank responsible for any losses, damages or expenses which may be incurred or suffered by the Customer as a result of such invalidation of the User ID and Password.


7. Internet Banking Services

Upon activation of the Internet Banking Services and subject to the Accounts being maintained in a satisfactory manner, the Customer will be able to access the following banking services :-

7.1 Account Information :-

(a) obtain account transaction summaries,balances and information;

(b) request for current date transactions,transaction histories, account summaries and statement of accounts.

7.2 Funds Transfer :-

(a) transfer of funds between the Customer’s Accounts;

(b) transfer of funds from the Customer’s Accounts to Third Party Accounts;

(c) create and manage funds transfer schedules;

(d) request for funds transfer histories.


7.3 Bill Payment Service :-

(a) pay Bills to Service Providers;

(b) create and manage bill payment schedules;

(c) request for bill payment histories.


7.4 Financing :-

(a) obtain financing details;

(b) create and manage financing repayment schedules;

(c) request for transaction histories;

(d) request for financing repayment histories.


7.5 e-Remittance.

(a) The application for the service provided by the bank is available to all individual aged 18 and above.

(b) Bank Rakyat or any of its correspondents or agents shall no be held liable for any omission or delay which may happen in the transmission of the message, or for any mistake from misinterpretation when received. Incase of cancellation of remittance , refund is to be made only on the amount actually received from the correspondents, and at the buying rate of the Bank on the refund date. All charges, stamp duty and commission collected are not refundable.

(c) Bank Rakyat shall not liable for the non shariah compliant purposes of remittance that beyond Bank Rakyat’s control.

(d) Receiving of funds is minimum there (3) working days.

(e) The maximum amount per transaction will be based on the banks regulation (ie : in USD equivalent to RM 10,000)

(f) The customer must ensure to make a clear purpose of payment to the beneficiaries as required by the banks.

(g) The operations time for this service is from 9.00am until 5.00pm only.

(h) Banks reserve the right without any liability or obligation whatsoever, at any time to suspend or terminate the service without giving any prior notice.

(i) All the term and conditions governing the operations shall apply.

7.6 e-Saving

(a) All application to open the account must be made in person on the electronic forms provided by the bank.

(b) The acceptance and continuance of the account shall be entirely at the absolute discretion of the banks.

(c) The applicant shall comply with all the banks requirement to open the account

(d) The bank reserve the right to stipulate and vary, from time to time, the minimum amount of initial deposit required to open the account.

(e) The account holders are required to maintain a minimum deposit as specified by the banks.

(f) The operation of the account shall be made through statement.

(g) Any forms or receipt signed by the account holder and any transactions electronically confirmed, validated and or effect by the account holder in relation to any transaction or matter under account.

7.7 Customer Services :-

(a) request for saving, investment, financing and dividend rates;

(b) cancellation of ATM cards;

(c) report on lost or stolen ATM cards;

(d) obtain feedback.


7.8 Alert Services :-

7.8.1 My Profile :-

(a) change of address, Password or other particulars.

7.8.2 My Preferences :-

(a) create or change salutation, greetings and welcome page;

(b) request for financial rates and description of favourite transactions.


7.8.3 General :-

(a) register for Internet Banking Services;

(b) go to Menu Navigation;

(c) Online Help;

(d) System Messages and Prompts.


8. Availability of Internet Banking Services

8.1 The Internet Banking Services are available Seven (7) days a week, 24 hours per day. However, the Customer acknowledges that at times part or all of the Internet Banking Services may not be accessible due to system maintenance or for any reason beyond the control of the Bank. The Bank does not warrant that the Internet Banking Services will be available at all times.

8.2 In the event that the Internet Banking Services are not available, the Customer may carry out transactions at any of the Bank’s branches.


9. Authorisation

The Customer authorises the Bank to comply with all instructions given by the Customer on transactions carried out through the Internet Banking Services including but not limited to withdrawal, transfer or otherwise dealing with any or all of the Customer’s funds in any of the Customer’s Accounts and the delivery, disposal of or dealing with any of the securities, assets or other properties which are pledged, charged, assigned or mortgaged by the Customer.


10. Instructions

10.1 All transactions carried out through the Security Codes shall be deemed instructions and authorizations given by the Customer to the Bank, and the Bank shall be and is hereby authorised to rely upon and act in accordance with the instructions given by or on behalf of the Customer without inquiry on the part of the Bank as to the identity of the person giving or purporting to give such instructions or as to the authenticity of such instructions, and that the Bank shall be in no way responsible for any misuse or unauthorised use of messages or instructions given to the Bank. Notwithstanding that a transaction may be disputed by the Customer for any reason whatsoever including the reason that the person who gave the instructions was not the Customer, the Bank shall be entitled to treat such instruction as binding upon the Customer and the Bank shall be entitled to take such steps or action in connection with or in reliance upon such instructions. The Bank shall not be held liable for any losses, damages or expenses which may be incurred or suffered by the Customer or anyone else for complying with such instructions.

10.2 The Customer shall ensure that the instructions issued are complete, accurate and correct.

10.3 Once issued or transmitted, such instructions shall be irreversible and shall be conclusive evidence that the instructions came from the Customer.

10.4 The Bank shall be entitled to debit the Customer’s Accounts immediately on completion of any transaction instructed by the Customer.

10.5 The Customer may issue instructions to cancel, revoke, reverse or amend the Customer’s earlier instruction and the Bank is only obliged to comply with the subsequent instruction provided that the earlier instruction has not been processed by the Bank.

10.6 Any instructions transmitted or received by the Bank after the relevant cut-off processing time on any Business Day will be treated as given and processed on the next Business Day. The cut-off time for processing instructions and transactions may be varied by the Bank at any time and from time to time at its absolute discretion with or without prior notice to the Customer.

10.7 The Customer shall review the transaction records of transactions initiated by the Customer through the Internet Banking Services regularly.

10.8 If the Customer has reason to believe that an instruction has not been accurately or completely received by the Bank, the Customer shall inform the Bank by telephone immediately and in any case not later than Twenty-Four (24) hours after transmission of the relevant instruction by the Customer.

10.9 The Bank shall not be held liable for any mutilation, interruption, deletion, error, delay, non-receipt or misinterpretation of the Customer’s instructions.

10.10 The Bank reserves the right not to comply with the Customer’s instructions if they are inconsistent with the Bank’s policy, rules or regulations in force for the time being or for any other reason at the Bank’s absolute discretion.


11. Account Information

11.1 The Bank does not warrant the accuracy of any information regarding the Customer’s Accounts, Third Party Accounts or transactions as reported through the Internet Banking Services. The Customer acknowledges that all such information may not be up to date. Transactions which have not been verified or processed by the Bank may not appear in the balances of the relevant Account or Third Party Account and the information reported through the Internet Banking Services shall not for any purpose be conclusive of the state of the relevant Account or Third Party Account.

11.2 The Bank will issue statements for the Accounts in accordance with the terms and conditions for the relevant Accounts which will include transactions effected through the Internet Banking Services. Such statements of accounts shall be binding and conclusive evidence of such transactions carried out by the Customer.

11.3 The Customer shall accept the Bank’s records of transactions including but not limited to the instructions and operations made or performed, processed or effected through the Internet Banking Services as being conclusive and binding for all purposes whatsoever.


12. Funds Transfer

The Customer may transfer funds between the Customer’s Accounts or transfer funds from any of the Customer’s Accounts to Third Party Accounts subject to such limits and conditions on each transaction as may be imposed and/or revised by the Bank at its absolute discretion at any time and from time to time.


13. Bill Payment Service

13.1 The Bank may at any time and from time to time, and with or without prior notice to the Customer, amend its list of Service Providers, or vary the scope of, or withdraw the Bill Payment Service in whole or in part, and the Bank shall not be liable for any losses, damages or expenses which may be incurred or suffered by the Customer or any third party as a result of such action by the Bank.

13.2 The Customer acknowledges that each of the Service Providers may have different terms and requirements as to the procedures of settling their Bills. The Customer shall comply with such terms, requirements and procedures of the Service Providers including all variations thereto as may be in effect at any time and from time to time.

13.3 The Customer may only use the Bill Payment Service to settle outstanding Bills with the Service Providers and shall not use the Bill Payment Service to pay deposits, disconnection fees, reconnection fees, late payment interest, legal fees or other fees and charges imposed or levied by the Service Providers.

13.4 The Customer’s Accounts shall be debited immediately upon payment instructions being received by the Bank through the Bill Payment Service.

13.5 The customer may pay bill subject to such limits and conditions on each transaction as may be imposed and/or revised by the Bank at its absolute discretion at any time and from time to time.

13.6 The Customer shall inform the Bank within Fourteen (14) days if and when there are any changes in the Customer’s reference or particulars registered with the Service Providers.

13.7 The Customer may terminate the use of the Bill Payment Service upon giving the Bank Fourteen (14) days notice under Clause 25.

13.8 The Customer shall accept the Bank’s record of transactions processed by the use of the Bill Payment Service as being conclusive and binding for all purposes whatsoever.

13.9 Where the Customer’s Accounts have been debited for the Bills but the Bank has not forwarded the payments to the Service Providers on the due dates for any reason beyond the control of the Bank, the Customer shall be responsible for whatsoever losses, damages or expenses arising from such late payment.

14. Fees and Charges

14.1 The Bank shall be entitled to impose, increase and/or vary service or transaction fees and other charges for the Internet Banking Services utilised by the Customer from time to time subject to the Bank having given prior notice to the Customer.

14.2 All information including but not limited to service or transaction fees and other charges quoted or provided by the Bank are for indication purposes only. The actual amount of service or transaction fees and other charges that shall apply for a particular transaction can only be determined at the time the relevant transaction is entered into.

14.3 Notwithstanding the imposition of such service or transaction fees and other charges, transactions carried out through the Accounts shall be charged the usual fees and charges.

14.4 The Customer shall pay all fees and charges imposed by the Network Service Provider and other relevant third parties and all other costs and expenses in assessing, connecting to and using the Internet Banking Services.

14.5 The Bank reserves the right to debit the Customer’s Accounts for the purpose of collecting the service or transaction fees and other charges for the Internet Banking Services as well as any Government charges or taxes payable for the use of the Internet Banking Services.


15. The Customer’s Other Responsibilities

15.1 The Customer shall :-

(a) take all precautions to ensure and prevent unauthorised or fraudulent use of the Internet Banking Services or any part thereof or the Security Codes;

(b) keep the Security Codes secret and not let the same be accessible to any person (including the employees of the Bank) under any circumstances and at any time;

(c) observe all security measures prescribed by the Bank concerning the Security Codes or generally in respect of the use of the Internet Banking Services;

(d) destroy the Security Codes upon termination of the Internet Banking Services;

(e) immediately inform the Bank in writing in the event of any losses, theft or damage to the Security Codes and until and unless the Security Codes are replaced, the Bank will not accept any instructions after receipt of such notification;

(f) immediately change the User ID and Password if the Security Codes are exposed or suspected to be exposed to any person and the Bank shall not be held responsible or liable for any losses, damages or expenses which may be incurred or suffered in such circumstances;

(g) monitor the Accounts regularly and verify that there are cleared and sufficient funds in the Accounts before performing any required transactions;

(h) immediately inform the Bank of any inaccuracy or irregularity in any of the Accounts; and

(i) at all times maintain such minimum balance in the Accounts as may be required by the Bank, and in the event that the any of balances falls below the requisite minimum balance, the Bank may at its absolute discretion impose a penalty, suspend or terminate the utilisation by the Customer of the Internet Banking Services.

15.2 Where there are joint account holders, either one of the account holders may issue instructions and authorise the Bank to effect any transaction on a joint account. All transactions arising from the use of the Security Codes to operate the joint account shall be binding on all account holders who shall be jointly and severally liable on all transactions. The mandate of a joint account holder shall not be revoked until and unless the joint account holder whose mandate is to be revoked surrenders his Security Codes to the Bank.


16. Disclaimer by the Bank and Liabilities

16.1 The Bank does not make any express or implied warranties or representations, including but not limited to any warranties of title, non-infringement, merchantability, reliability and/or fitness for purpose in respect of the Internet Banking Services, the material, information and/or functions therein, and expressly disclaims liability for errors or omissions in such materials, information and/or functions. No oral or written recommendation, statement or opinion given by the Bank, its servants or agents shall create a warranty in any way or increase the scope of this warranty. The Customer acknowledges that all transactions made through the Internet Banking Services are done at the sole risk and responsibility and in reliance upon the Customer’s own judgment and not upon any recommendation, statement or advice given by the Bank, and the Customer shall seek independent professional advice and obtain independent verification of the materials, information and/or functions provided herein.

16.2 The Bank does not warrant or represent that access to the Internet Banking Services will be uninterrupted, or free from errors, or that any identified error will be corrected, or that there will be no delays, failures, errors, or losses of data or funds, or that no viruses or other contaminating or destructive properties will be transmitted, or that no damage will occur to the Customer’s computer system.

16.3 If the Customer views contents of a third party website via a link to the Internet Banking Services, the Customer shall do so at the Customer’s own risk. The Bank is not liable for and does not warrant or represent the accuracy of any information contained on those sites and the links provided to the third party websites is not considered endorsement by the Bank of such linked websites or the contents therein.

16.4 The Bank shall not be liable to the Customer or any third party for any losses, damages or expenses which may be incurred or suffered whether in contract, tort, negligence or any other basis, including but not limited to direct or indirect, consequential or economic losses or damages, arising from the access or use or inability to access or use of the Internet Banking Services in any manner whatsoever to the fullest extent permitted by law.

16.5 The Customer shall be liable and responsible without any limit for any losses, damages or expenses which may be incurred or suffered for all unauthorised transactions made through the use of the Security Codes until such time when the Bank has received from the Customer written notification to suspend or terminate the utilisation of the Internet Banking Services as well as any losses, damages or expenses which may be incurred or suffered by the Bank as a result of any breach or failure by the Customer to comply with any of the Terms and Conditions.

16.6 Subject to the provisions herein, the Bank’s sole and entire liability to the Customer in contract or tort or otherwise arising by reason of or in connection with these Terms and Conditions or howsoever shall not exceed the amount of the transaction involved which gave rise to the claim or the direct damages sustained, whichever is the lower.


17. Indemnity

17.1 The Customer agrees and undertakes to indemnify and keep the Bank fully indemnified from and against any and all claims, demands, actions, proceedings, liabilities, losses, costs and expenses (including legal costs on solicitor-client basis) whatsoever which may be taken, incurred or suffered by the Bank arising directly or indirectly in connection with or in any manner arising out of the provision of the Internet Banking Services, or a breach by the Customer of any of the Terms and Conditions or any third party rights. This obligation to indemnify the Bank shall survive the termination of the Internet Banking Services.


18. Suspension or Termination of Internet Banking Services by the Bank

18.1 The Bank may, at any time in its absolute discretion, suspend or terminate the Customer’s access to the Internet Banking Services or any part thereof without notice and without being obliged to provide any reason for the same.

18.2 The Bank will automatically terminate the Customer’s right of access to the Internet Banking Services without notice if the Customer ceases to maintain any Account with the Bank which can be assessed via the Internet Banking Services, or if the Internet Banking Services have not been utilised by the Customer for such period as may be determined by the Bank at its absolute discretion, or if Customer’s access to any of the Accounts be suspended, restricted or prohibited by the Bank or any other third parties for any reason.

18.3 The Customer may terminate the Internet Banking Services by giving prior written notice to the Bank. The Internet Banking Services will be cancelled within Seven (7) days from the date of the Bank’s receipt of the said notice. The Customer shall not use the Internet Banking Services on giving the notice of termination and the Bank shall not be obliged to effect any of the Customer’s instructions received after the day of receipt of the notice of termination.

18.4 The termination of the Internet Banking Services shall not affect the liabilities and obligations of the Customer in respect of instructions processed by the Bank on the Customer’s behalf.


19. Proprietary Rights

19.1 The Customer acknowledges that all proprietary rights, including but not limited to title, patent, trade marks, service marks, logos and other intellectual property rights in the Internet Banking Services shall at all times vest and remain vested with the Bank.

19.2 The Customer further acknowledges that the Security Codes shall remain the property of the Bank and are issued solely for the use of the Customer.


20. Severability and Waiver

20.1 If any provision which is determined to be illegal, invalid, prohibited or unenforceable in any respect under any law, the same shall be ineffective to the extent of such illegality, invalidity, prohibition or unenforceability without invalidating in any manner whatsoever the remaining provisions of these Terms and Conditions.

20.2 The Bank’s acceptance of any of the instructions, or processing of any of the instructions issued beyond the times stipulated, or any waiver by the Bank of any its rights, or any indulgence granted to the Customer shall not operate as consent to the modification of any part of these Terms and Conditions, or to prevent the Bank from enforcing any of its rights under these Terms and Conditions or the rules, regulations, terms and conditions for the Accounts.


21. Disclosure

21.1 The Customer consents to the disclosure of all information and data regarding the Customer and the Accounts available through the Internet Banking Services to all companies within the Bank’s group, its related companies, agents, contractors and other service providers or companies which provide support, products or other services to the Bank, and the Customer agrees that neither the Bank nor its employees shall be responsible for any losses or damages which may be incurred or suffered by the Customer as a result of such disclosure of information and data concerning the Customer and the Accounts.

21.2 Whilst the Bank will use its best endeavours to ensure that all information and data transmitted or received using the Internet Banking Services is secured and cannot be accessed by unauthorised third parties, the Bank does not warrant the security of any information and data transmitted by the Customer using the Internet Banking Services, and the Customer accepts the risk that any information and data transmitted or received using the Internet Banking Services may be accessed by unauthorised third parties and the Customer agrees not to hold the Bank liable for such unauthorised access or any losses or damages which may be incurred or suffered as a result thereof.


22. International Use

The use of the Internet Banking Services outside of Malaysia is subject to the Exchange Control Regulations of Bank Negara Malaysia or any fiscal or exchange control requirements in force for the time being in the country where the transaction is effected or requested and the laws and regulations of Malaysia and the country where the transaction is effected or requested. The Customer is required to comply with such laws, rules and regulations when using the Internet Banking Services.


23. Dispute and Enquiries

23.1 The Customer may address any concerns or queries by writing to the Bank at the address stated in Clause 25 or contacting the Bank via Bank Rakyat Contact Center(BRCC) at 603-21179000

23.2 In the event that the Customer has any complaints, or there are disputes arising from the Internet Banking Services or these Terms and Conditions, the Customer may refer the matter to the Bank in writing at the address stated in Clause 25 specifying the nature of the complaint or dispute and the Customer and the Bank will endeavour to settle the matter amicably.


24. Governing Law and Jurisdiction.

These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia. Any dispute arising in respect of the Internet Banking Services and these Terms and Conditions which cannot be resolved in the manner specified in Clause 23 shall be referred to the Courts of Malaysia situated in Kuala Lumpur or the courts of such other competent jurisdiction as the Bank may at its absolute discretion elect to submit and the service of any legal process may be effected in any manner permitted by law.


25. Notices

25.1 All notices to the Customer concerning the Internet Banking Services or required under these Terms and Conditions will be given to the Customer in any of the following manner:-

(a) by ordinary post to the Customer’s last known address in the Bank’s records and such notification shall be deemed received after Three (3) Business Days from the date of posting; or

(b) by electronic mail to the Customer’s last known e-mail address in the Bank’s records and such notification shall be deemed received after Twenty-Four (24) hours from the time of transmission; or

(c) by displaying notices in any of the Bank’s premises or branches and such notification shall be deemed effective from the first day such notice is displayed; or

(d) by advertisement made once in any national newspapers in the English language or national language and such notification shall be deemed effective from the date of publication of such advertisement; or

(e) by inserting a notice in the Bank’s statement of accounts sent to the Customer’s last known address in the Bank’s records and such notification shall be deemed received after Three (3) Business Days from the date of posting; or

(f) by broadcasting a message on the Bank’s Internet Banking information website and such notification shall be deemed effective from the first day of such broadcast; or

(g) if notified to the Customer in any other manner as the Bank shall at its absolute discretion deem fit.

25.2 All notices to the Bank concerning the Internet Banking Services or required under these Terms and Conditions shall be in writing, signed by the Customer and sent to the Bank at the following address or in such other manner as the Bank may notify the Customer in writing from time to time :-