Are there any fees for interbank GIRO or JomPay transactions made through CIMB Clicks?

When sending money domestically in Malaysia, many customers wonder about hidden costs—especially with popular digital payment methods like interbank GIRO and JomPay via CIMB Clicks. The good news? CIMB Bank does not charge any fees for interbank GIRO or JomPay transactions initiated through the CIMB Clicks platform. This zero-fee policy applies to both individual and business users, making it a cost-effective choice for recurring bill payments or fund transfers between banks.

This fee-free structure supports seamless remittance workflows, especially for SMEs managing vendor payments or salary disbursements. Unlike third-party remittance platforms that levy service charges or FX markups, CIMB’s domestic GIRO and JomPay services operate within Malaysia’s secure, centralised payment infrastructure (FPX and JomPay), ensuring speed and reliability without extra costs.

However, note that while CIMB waives its own fees, recipient banks may impose their own charges—though this is rare for standard JomPay transactions. Always verify with the payee’s bank if uncertainty remains. For international remittances, separate fees and exchange rates apply, so domestic GIRO/JomPay remains the most economical option for local transfers.

Optimising your remittance strategy starts with choosing low-cost, trusted channels—CIMB Clicks’ free interbank GIRO and JomPay services are a smart, transparent choice for Malaysian businesses prioritising efficiency and budget control.

What should I do if my CIMB Clicks account is locked after 3 failed login attempts?

Having your CIMB Clicks account locked after three failed login attempts is a common security measure—but for remittance users, it can delay urgent international transfers. If this happens, don’t panic: CIMB’s system automatically locks access temporarily to protect your funds and personal data.

To regain access, first wait 30 minutes—CIMB often lifts the lock automatically after this period. If not, visit any CIMB branch with your original IC/MyKad and request assistance from customer service. Alternatively, call CIMB’s 24/7 hotline at 1-300-88-6688 and verify your identity to unlock your account remotely.

For remittance customers, preventing future lockouts is essential. Use strong, memorable passwords—and never share credentials. Enable CIMB Clicks’ biometric login (fingerprint or face ID) for faster, secure access. Also, ensure your registered mobile number and email are up to date to receive timely alerts and reset links.

Remember: A locked CIMB Clicks account doesn’t affect your ability to send money via alternative channels—like CIMB’s mobile app or over-the-counter remittance services at branches. For seamless cross-border payments, consider registering for CIMB’s dedicated remittance features, which offer enhanced authentication and priority support.

Stay proactive, stay secure—and keep your remittances flowing without interruption.

Can I view and download up to 24 months of e-statements directly from CIMB Clicks?

Yes, CIMB Clicks allows customers to view and download up to 24 months of e-statements directly—making it highly convenient for remittance businesses that require historical transaction records for compliance, reconciliation, or audit purposes. This feature supports seamless financial tracking across international transfers, especially for SMEs handling frequent cross-border payments.

For remittance service providers, accessing two years’ worth of e-statements empowers better record-keeping, faster dispute resolution, and accurate reporting to regulators like Bank Negara Malaysia or overseas authorities. No need for manual requests or branch visits—everything is available securely online with just a few clicks.

Moreover, downloadable PDF e-statements retain official bank branding and digital signatures, adding credibility when submitting documentation to immigration offices, tax agencies, or partner institutions abroad. This capability strengthens trust and operational efficiency—key differentiators in a competitive remittance landscape.

Ensure your CIMB Clicks account is activated for e-statements and enabled with two-factor authentication for security. Regularly downloading statements also aids in monitoring FX rate fluctuations, fee patterns, and sender/receiver trends—valuable insights for optimizing your remittance pricing and service delivery.

Does CIMB Clicks support multi-currency account management (e.g., USD or SGD accounts)?

For customers seeking seamless international money transfers, understanding multi-currency capabilities is essential. CIMB Clicks—the digital banking platform of CIMB Bank—does support multi-currency account management, enabling users to hold and transact in major currencies such as USD, SGD, EUR, and GBP directly within their accounts.

This feature is especially advantageous for remittance businesses and frequent cross-border senders. Instead of converting funds at each transfer, users can maintain balances in foreign currencies, minimizing exchange rate losses and reducing transaction fees associated with repeated conversions.

CIMB Clicks allows real-time balance viewing, fund transfers between currency wallets, and scheduled foreign currency payments—all accessible via mobile or web. While certain currency accounts may require prior activation or minimum balance requirements, the process is streamlined through the app’s intuitive interface.

For remittance service providers partnering with CIMB or advising clients on optimal payout methods, leveraging CIMB Clicks’ multi-currency functionality enhances speed, transparency, and cost-efficiency. It also supports faster settlements to beneficiaries holding accounts in the same currency—reducing intermediary bank deductions and delays.

In summary, CIMB Clicks empowers remittance professionals and end-users alike with robust, secure, and scalable multi-currency tools—making it a competitive choice for ASEAN-focused and global money transfer operations.

How do I activate or deactivate PayNow Malaysia (via DuitNow ID) through CIMB Clicks?

Activating or deactivating PayNow Malaysia (via DuitNow ID) through CIMB Clicks is a simple, secure process for users sending or receiving cross-border remittances. As Malaysia’s national real-time payment system integrated with Singapore’s PayNow, DuitNow ID enables instant, low-cost transfers—ideal for overseas workers and businesses needing fast, reliable payouts.

To activate PayNow Malaysia on CIMB Clicks, log in to your mobile app or internet banking, navigate to “Pay & Transfer” > “DuitNow ID”, and follow the prompts to register your registered mobile number or email as your DuitNow ID. Ensure your account is verified and linked to your CIMB savings or current account. Activation is instant and free—no additional fees apply.

Deactivation is equally straightforward: go to the same “DuitNow ID” menu, select “Remove/Deactivate”, and confirm with your security credentials. Note that deactivation stops incoming PayNow/DuitNow payments but doesn’t affect other transfer methods like FPX or SWIFT. Always verify your settings before initiating high-value remittances.

For remittance providers partnering with CIMB, supporting PayNow Malaysia enhances customer experience—offering near-instant settlement, reduced FX fees, and improved transparency. It’s a strategic advantage for fintechs and money service businesses targeting Malaysian recipients seeking speed, security, and convenience.

 

 

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