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 and Mobile Banking Key Features, Risks and Precautions:

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

Cybersecurity threats i.e. phishing attacks, malware, etc.
Data can be compromised by hackers through access from insecure devices or networks.
Data theft may occur through downloading unofficial and spoofed apps.
Hackers can misuse stolen personal data to access your online and mobile banking account.

Precautions

DO NOT download and install APK file from 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.
AVOID using PUBLIC HOTSPOTS to access online banking and mobile banking as there is a risk that your login credentials can be read by an attacker.

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Know Your Online and Mobile Banking Obligations

Do not disclose your credentials

DO NOT disclose banking information to any person. The Bank will never ask you to disclose confidential information over an e-mail.

DO NOT disclose banking information to any person. The Bank will never ask you to disclose confidential information over an e-mail.

Protect your device

PROTECT your device by ensuring your devices are updated with the latest operating system.

PROTECT your device by ensuring your devices are updated with the latest operating system.

Change passwords frequently and use strong passwords

CHANGE passwords frequently and always use strong passwords to secure your login.

CHANGE passwords frequently and always use strong passwords to secure your login.

Provide up-to-date mobile number

PROVIDE up-to-date mobile number to receive transaction alerts and check your accounts regularly and inform us of any suspicious activity.

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

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

Report suspicious login / transactions

REPORT suspicious login or 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.

Introducing Self-Security Features

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

Kill Switch

The ‘Kill Switch’ enables you to disable your online banking and mobile banking User ID, ATM/debit/credit cards and deposit account from a single access point.
There are 3 ways you can activate the kill switch:
1. PBe Website
2. PBe Login
3. MyPB App

Fund Lock

'Fund Lock' is an anti-fraud security feature that allows you to 'lock' a specific amount in your savings or current account securely, protecting it from unauthorised transactions and potential scams.

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Get to Know the Type of Transactions you can Perform via Online and 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	RM100,000.00
FPX B2C / DuitNow Online Banking / Wallets	RM50,000.00
Prepaid Top-up	RM300.00

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MyPB App

Make your everyday banking easier