Public Bank Online Banking and Mobile Banking Infosheet

What is Online Banking and Mobile Banking?

Online refers to Public Bank’s online banking platform (such as PBe / MyPB) and mobile banking platform (such as MyPB App) to facilitate online financial services, online bill payment and informational services.

Know Your Online / Mobile Banking Key Features And Risks:

Key Features

Transfer funds to Public Bank and other banks.
View YOUR account balances anytime, anywhere.
Open and place eFD/eTDi
Open and place eGIA for the purchase and sale of gold online.
Update YOUR personal information, transaction limit via Profile Maintenance.

Risks

Online/mobile banking login credentials will be compromised if YOU click, download and install APK file via unknown sources.
CHECK the authenticity of Bank’s website before keying in your credentials. Minimal deviations such as dots, hyphens, replacing a character with symbols are signs of a phishing site.
DO NOT access your online/mobile banking account from devices OTHER THAN your own.
AVOID using PUBLIC HOTSPOTS to access online banking/mobile banking as there is a risk that your login credentials can be read by an attacker.
PLEASE check YOUR beneficiary details before you make a transaction.
If YOU are NOT being extra vigilant, you will be more vulnerable and more prone to all type of online purchase, phone, and malware scams etc.

Expand All

Know Your Online / Mobile Banking Obligations

Safeguard your credentials

SAFEGUARD your User ID, Password, Personal Login Phrase (PLP), SecurePIN and / or Code. DO NOT disclose banking information to any person.

SAFEGUARD your User ID, Password, Personal Login Phrase (PLP), SecurePIN and / or Code. DO NOT disclose banking information to any person.

Protect your device

TAKE preventive steps to update and protect your device from malware / virus. Such as ensuring your devices are updated with the latest operating system.

TAKE preventive steps to update and protect your device from malware / virus. Such as ensuring your devices are updated with the latest operating system.

Change passwords frequently and use strong passwords

ENSURE frequent changes on password, SecurePIN and / or PIN. Use strong passwords (e.g. alphabets, numbers, and symbols) to secure your login.

ENSURE frequent changes on password, SecurePIN and / or PIN. Use strong passwords (e.g. alphabets, numbers, and symbols) to secure your login.

Provide up-to-date contact info

KEEP your contact details such as mobile phone number, email address, etc. accurate and up-to-date to receive transaction alerts.

KEEP your contact details such as mobile phone number, email address, etc. accurate and up-to-date to receive transaction alerts.

Ignore phishing e-mails

NEVER give access to your data through digital messages. The Bank will never ask you to disclose confidential information over an email.

NEVER give access to your data through digital messages. The Bank will never ask you to disclose confidential information over an email.

Check your accounts

CHECK the transactions on your account(s) regularly and inform your bank of any suspicious activity.

CHECK the transactions on your account(s) regularly and inform your bank of any suspicious activity.

Report suspicious login / transactions

REPORT suspected unauthorized login or suspicious transactions by contacting our PBe Customer Support Helpdesk or any of our branches.

REPORT suspected unauthorized login or suspicious transactions by contacting our PBe Customer Support Helpdesk or any of our branches.

Do you know that you need to pay the following fees and charges when you perform the following transactions?

SMS notification to Beneficiary – RM0.20
Stop Cheque – RM15
eIPO – RM2
eRights – RM4
PB Visa Direct – RM10
Foreign Remittance:
- Commission Charges – RM2
- Cable Charges (SGD) – RM15
- Cable Charges (all other currencies) – RM30
Bill Payment* / JomPAY – Free of Charge (FOC)
Western Union – Charges subject to beneficiary countries

*All bill payments made are free unless otherwise stated in the “service charge” section.

Introducing Cooling-Off Periods to Protect You Online

PB SecureSign (PBSS) / SecureSign Token Activation Cooling-Off Period

Upon activation of PBSS / SecureSign Token, there is a 12-hour cooling-off period.

During the 12-hour cooling off period, YOU are not able to perform transaction which require PBSS / SecureSign Token authorization.

Cooling-Off Period to Increase Transfer Limits

Increase of daily limit will be subjected to a cooling-off period.

This measure is implemented to enhance the security of your account and protect you from potential fraud.

However, reducing daily limit will not be subjected to cooling-off period.

Transaction On Hold

Any transaction which are deemed abnormal will undergo a cooling-off period in which the transaction will be placed on hold for a period of time before it is released to the beneficiary.

YOU may cancel YOUR transaction via PBe > Account > Transaction On Hold.
YOUR account will NOT be debited if the transaction is being cancelled.
Transaction status will be sent to YOU via SMS / Notification / Email.

Self-Security Feature

Notice any unusual activities with your account or suspect that your account has been compromised? Check out ‘Kill Switch’

The Kill Switch enables you to disable your online banking / mobile banking User ID, ATM/debit/credit cards and deposit account from a single access point if you notice any unusual account activity or suspect your account has been compromised.

There are 3 ways you can activate the kill switch:

PBe Website
PBe Login
MyPB App

Get to Know the Type of Transactions you can Perform via Online / Mobile Banking

Easily manage your daily transaction limit through PBe / MyPB Online Banking.

Daily transaction limit can be updated in 6 quick steps:-

Login to PBe, then select ‘Profile Maintenance’.
Go to ‘Manage Profile’.
Select ‘Change Daily Limit’.
Select the transaction type you wish to update and click ‘Next’.
Enter your new transaction limit and click ‘Next’
Verify the details and approve the new limit via PB SecureSign or SecureSign Token.

To Own Public Bank Accounts

Transfer Type	Daily Limit
Own Account	Unlimited
Own PB Card Payment
Own PB Loan / Financing Payment

To Third Party Accounts

Transfer Type	Daily Limit
Other PB Account Interbank GIRO (IBG) DuitNow Transfer (Pay-to-Account) DuitNow Transfer (Pay-to-Proxy) DuitNow QR Third Party PB Card Payment Third Party PB Loan / Financing Payment Foreign Telegraphic Transfer	RM50,000.00
DuitNow QR Cross Border Maximum RM3,000.00 per transaction Maximum RM10,000.00 per day
PB Visa Direct Minimum RM300.00 per transaction Maximum RM8,000.00 per day
Western Union Maximum RM10,000.00 per day
Cardless Withdrawal Minimum RM100.00 per transaction Maximum RM500.00 per transaction Maximum RM1,000.00 per day

Combined third party daily transfer limit per customer is shared between all transactions to third party including postdated / recurring transactions (E-Standing Instructions) performed on the same day via all Public Bank's online and mobile banking platform, up to a maximum of RM50,000.
You will be subject to a cooling-off period of up to 12 hours when you increase daily limits.

Other Transaction Types

Transfer Type	Daily Limit
Bill Payment (Including EPF, LHDN, Lembaga Tabung Haji, Zakat, Wakaf)	RM100,000.00
JomPAY
FPX B2C / DuitNow Online Banking / Wallets
Prepaid Top-up	RM300.00

Expand All

MyPB App

Make your everyday banking easier