Public Bank Berhad - FAQs

10/25/23, 8:51 PM Public Bank Berhad - FAQs
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FAQs
What is E-Statement?
Current Account holders may download a PDF statement of their monthly balance and transactions by clicking on E-
statement. The file can be viewed using Adobe PDF reader, obtainable at
http://www.adobe.com/products/acrobat/readstep.html
What can I do under "Profile Maintenance"?

(a) Change of Address Request (sent to Account Holding branch)
(b) Change Password
(c) Change Personal Details
(d) Change of Third Party Transfer Limit / FPX Transfer Limit
(e) PBe Alert / Notification
(f) Change Credit/Debit Card info
(g) Change Personal Login Phrase
(h) Unregister PAC
(i) Add / Delete Account
(j) Challenge Questions Enrolment
(k) Change Challenge Questions
(l) Cancel ATM Card
(m) Manage Card Profile
Can I deposit cheque to my PB Sharelink account to settle purchase contracts?

Yes. However, it is subject to a maximum amount of RM 200,000.00.
How safe are transactions performed on PBe?

PBe utilises a Transport Layer Security (TLS) encryption. The encryption ensures your User ID, password and
banking transactions remain confidential.
Rest assured, every transaction is fully secured.
I have exceeded the number of login attempts.

You are only allowed 3 login attempts. If you have exceeded the number of attempts allowed, please perform self-
reset password by clicking here.
https://www.pbebank.com/Personal-Banking/FAQs.aspx 1/58
Do I need to enable cookies in my browser when using PBe?

Generally, we recommend customers to enable first-party cookies. First-party cookies are files created by the site you
visit (in this case pbebank.com) which will save your browsing data.
Please refer to your respective browser developer for guidance on enabling cookies.
Enabling cookies on an iPad and iPhone
i. Tap on “Settings”
ii. Scroll down and select “Safari”
iii. Turn OFF “Block All Cookies” option.
iv. Restart your iPad / iPhone
What is “To Own Account”?

“To Own Account” means transferring funds to your personal accounts which are linked to your PBe profile.
How do I perform an Interbank GIRO (IBG)?
How do I perform Bill Payments?

Please follow the steps listed below:
i. Click Payment
ii. Click Bill Payment
iii. Click To Other Bill
iv. Select one of the Payee Corporations from the drop-down list
v. Key-in the necessary information and confirm your payment
* Take Note: Please omit spaces and dashes for the Bill Account Reference (which is Bill Account Number) input
field.
After a successful bill payment, you will notice a "Store Registration" button on your computer screen. This feature
allows you to record information of your bill payee corporation. Once that is done, you can enjoy the To Favourite Bill
feature on your next bill payment.
What is Public Bank’s eIPO?

Click here to find out more.
What is Public Bank’s eRights?

Click here to find out more.
What can I do under the “Cheque Book Request” feature?

You can request new cheque books for your Current Account. You are able to order a maximum of 10 cheque books
per request.
Can companies use PBe online banking?

PBe is designed for retail customers, sole proprietors and corporate customers. Corporate customers usually consist
of companies such as Sdn Bhd, Bhd and Partnerships.
How do I link my accounts to my PBe profile?

You are allowed to add multiple accounts in your PBe profile, provided they are opened at the same branch. Kindly
visit your account holding branch to link your accounts to your PBe profile.
Accounts eligible to be linked include:
i. Savings / Current Account
ii. Fixed Deposit Account
iii. Gold Investment Account
iv. Foreign Currency Account
v. Share Link Account
vi. Loans Account
vii. Hire Purchase Account
viii. Credit / Debit Card
ix. Retail Negotiable Instrument of Deposit / Retail Negotiable Islamic Debt Certificate
* Take Note: for Joint Account holders, your mode of signing must be either one to sign. When registering for a PBe
profile, both signatories must provide identification and sign on our E-banking Modification form.
How to open an eFD Account?

i. Choose Account
ii. Click on Fixed Deposit
iii. Select PB eFD
iv. Click on Placement
v. Select From Account
vi. Click Open eFD Account
vii. Complete the FATCA Self-Certification and click Next
viii. Accept the Account Opening Declaration and acknowledge receipt of PIDM Brochure
ix. Complete Data Protection Notice and Consent
x. Accept the Terms & Conditions
xi. Approve the transaction with PB SecureSign or SecureSign Token
xii. Verify details entered and click on 'CONFIRM' button
xiii. Click on “PB eFD Placement” button to make a placement
What is FPX?
FPX is an internet based payment gateway that allows real-time payments for online purchases or bill payments. FPX
is operated by Payments Network Malaysia Sdn Bhd (PayNet).
How do I download and print GST Tax Invoice?

i. Login to PBe and click ACCOUNT at the Welcome Page.
ii. Click Print GST Tax Invoice.
iii. Select Account No, Year, Month and then click Next.
iv. Click on Tax Invoice Number.
v. The selected Tax Invoice will be displayed. You may save and print the Tax Invoice.
What is E-SI?
E-Standing Instruction is a convenient service that makes automated payments of a fixed amount to a loan, bill, or
credit card at a pre-set time and date. You can schedule a one off payment or repeated payments with E-SI.
What is PB engage?
PB engage enables you to perform online banking transactions on your iOS or Android mobile devices.
Why is PB engage requesting access to my contacts, location, storage, photos and

media files?
PB engage requires these accesses due to the following reasons:-
Contacts – to give you the convenience to select your contacts when you send PB eGift.
Photo, media and files – to store PB eGift packets.
Storage – to give you the option to store the PB engage app in a SD Card.
Location – to find the nearest Public Bank branches
NOTE: Your information will be secured and the Bank will never use your information for any other purposes.
What is DuitNow service?

DuitNow is a fund transfer service where you can transfer funds instantly on a 24/7 basis via Recipient ID called
DuitNow ID. With DuitNow, you will enjoy a simple and convenient way to transfer money.
What is PB enterprise?
PB enterprise is Public Bank's new corporate online banking platform. It offeres a range of enhanced functions and
features designed to support your business needs.
What is Reset Password / Reactivate User ID?

This service enables existing PBe Users who have forgotten their PBe Password to reset their password and/or
reactivate their User ID which was deactivated due to incorrect password.
I’ve just obtained my User ID and password from the branch. When should I login?
Please login on the day of receiving your User ID and password.
How does the beneficiary pick up a 'Pay on ID / Cash Pick-Up' transaction?

The applicant is required to provide FTT Reference number to beneficiary in order to facilitate Pay on ID / Cash Pick-
Up transaction.
The beneficiary can pick up the money at the following pick-up points:
BDO Branches and One Network Bank Branches
Tambunting
Cebuana Lhuilier
M Lhuilier
Palawan Pawnshop
BDO Remit Counters at SM Malls
RD Pawnshop
The beneficiary Identification Document (ID) is required to be presented at the Cash Pick-Up point.
*The beneficiary's name on the Identification Document (ID) presented at the Cash Pick-Up point must fully matched
with the beneficiary name entered by applicant.
Who can I contact to report fraud?

Immediately report to the Bank by submitting a Fraud / Scam Incident Report. Prompt reporting will increase your
chances of recovery and also prevent any further losses.
Alternatively, you can contact the following:
PBe Customer Support Helpdesk 03-2170 8000
Cyber Fraud Security 03-2177 3555
Credit / Debit Card Contact number at the back of your Credit/Debit card
Contact any PBB / PIBB branch for assistance.
If there are any financial losses, report to the Police to obtain a Police Report. You can provide this to the Bank as
reference.
Is Reset Password / Reactivate User ID service available on PB engage MY?

No. This service is only available via PBe.
What are the minimum PC requirements to access PBe?

i. PC with Pentium 133 MHz processor with a memory of 32 MB RAM
ii. SVGA monitor, 256 colours
iii. Modem of 28.8kbps
iv. Windows 9x operating system or higher
v. Supported browsers. Click here for more information.
Which Identification Document (ID) is accepted for Identification Qualification for

'Pay on ID / Cash Pick-Up’ transaction?
The Identification Document (ID) accepted for Identification Qualification are as follows:
Any photo bearing valid ID with client's signature. List of the valid IDs can be any of the following:
Passport (in case of foreign passport, must have English characters/translation and the holder must have a
residence address in Philippines)
Driver's License issued by Land Transportation Office (LTO)
Professional Regulations Commission (PRC) ID
National Bureau of Investigation (NBI) Clearance
Police Clearance with dry seal of PNP
Philippine Postal ID
Voter's ID
Barangay Certification with dry seal from the Barangay where it was issued
Government Service and Insurance System (GSIS) eCard
New Social Security System (SSS) ID
Senior Citizen ID
Overseas Workers Welfare Administration (OWWA) ID
Overseas Filipino Workers (OFW) ID
Seaman's Book
Alien Certificate of Registration (ACR)/Immigrant Certificate of Registration (ICR)
Government Office and GOCC ID (e.g. Armed Forces of the Philippines (AFP)),
Home Development Mutual Fund (MDFM)
Integrated Bar of the Philippines (IBP) ID
Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
Department of Social Welfare and Development (DSWD) Certification
Company IDs issued by private entities or institutions registered with or supervised or regulated either by the
BSP, SEC or IC.
Only these IDs will be accepted by BDO for beneficiary Cash pay-out. If the beneficiary cannot provide any of the
above IDs, the beneficiary shall be advised that the remittance cannot be released.
For students who are not yet of voting age, a valid photo bearing school ID duly signed by the principal or head of
school together with a Registration Form for the current semester/school year may be acceptable.
What is DuitNow Transfer Service?

DuitNow Transfer is a fund transfer service where you can transfer funds instantly on a 24/7 basis via Recipient ID
called DuitNow ID. With DuitNow Transfer, you will enjoy a simple and convenient way to transfer money.
What is DuitNow ID?

DuitNow ID is the identifier which you will register and tied to your bank’s account as the receiving account. The
following are the ID’s which can be registered for DuitNow Transfer:
Mobile Number
NRIC
Army ID / Police ID
Passport Number
Business Registration Number
How do I perform a DuitNow Transfer?
How to Cancel a Transaction that is Undergoing Cooling-off Period?

You can cancel a transaction undergoing cooling-off period via the following steps:
i. Login PBe, click “Account” and select “Transaction On Hold”.
ii. Select the transaction and click the “Delete” button.
iii. Select a reason for cancelling the transaction.
iv. Click “Confirm”.
v. “On Hold” transaction cancelled successfully.
What are the benefits of switching to PB enterprise?

Click here to see what PB enterprise can do for your business.
What type of accounts are eligible for E-Statement?

The accounts that are eligible for E-Statement are as follows:-
i. Current / Savings*
ii. Fixed Deposit
iii. Gold Investment
iv. Credit Card
v. Loan
vi. Hire Purchase
*Note: Savings account with PB Day2Day Lifestyle Debit Card only.
What is Quick Balance?

Quick Balance is a new PB engage feature that allows you to view your account balances by logging in using your
fingerprint.
Who can apply for E-SI?

Any PBe customer with a current/savings account can apply.
How do I update my FPX daily limit?

Please follow the steps below:
1. Select ‘Profile Maintenance’
2. Select ‘Manage Profile’
3. Select 'Change Limit'
4. Select ‘Change FPX Transfer Limit’
5. Enter your preferred FPX daily limit and click ‘Next’
6. Verify the details and approve via PB SecureSign or SecureSign Token
7. Please wait for the transaction status page to be displayed on PBe to ensure the transaction is successful.
Once successful, you will be redirected back to the merchant's portal.
What is PBe Registration?

This service enables Public Bank customers to register for access to the Bank’s Online Banking Services, PBe.
What is DuitNow ID?

DuitNow ID is the identifier which you will register and tied to your bank’s account as the receiving account. The
following are the ID’s which can be registered for DuitNow:
Mobile Number
NRIC
Army ID / Police ID
Passport Number
Business Registration Number
I’m having problems performing transactions on the app. What should I do?
Please try any one of these methods:
Restart your device – Issues can be fixed by restarting your device and re-try your transaction.
Check your connection – A strong internet connection (Wi-Fi or mobile data) is required for the app. Try again
when you have a better Internet connection.
Clear your cache/storage – Clear your device’s PB engage cache or delete any unused apps from your
device’s storage.
Uninstall and re-download the app.
Is PB engage free?
Yes, the app is free to download from authorised app stores. However, there will be charges for selected transactions
such as bill payment and interbank fund transfers as well as data charges imposed by your Telco.
How to perform eFD Placement

i. Choose Account
iii. Select PB eFD
iv. Click on Placement
v. Select From Account
vi. Select Tenure (Month)
vii. Key-in Principal Amount
viii. Select Interest Payment Mode and click 'NEXT' button
ix. Read through the Terms & Conditions and click on "Accept"
x. Approve the transaction with PB SecureSign or SecureSign Token
xi. Verify details entered and click on 'CONFIRM' button
How to perform PBe first time login?
How does this new security feature work?

The challenge questions and answers provide an extra layer of security to further authenticate your identity when you
login and transact with us.
If we detect any unusual activity or unauthorised transaction, you will be prompted with a challenge question.
How do I access my company accounts?

Upon login, you will reach the Welcome Page. Click on the blue box on top of the page labeled "Personal" to reveal a
drop-down button. Click on "Business" to enter Business Banking.
Next, click on your company name to access your company accounts.
What is Digital Signing?

Digital Signing is a process whereby a transaction performed through PBe is approved by the authorizer(s) based on
a SecureSign Code generated by the SecureSign Token. The SecureSign Code generated is unique to that particular
token issued to the authorizer and the PIN activated.
I have problems viewing the new PBe website.

If you have problems accessing our new PBe website, it might be due to a problem with your browser. If you’re using
Internet Explorer 8, turn off compatibility mode by following these steps:
1. At Internet Explorer 8, press F12. A new window will appear.
2. Select Browser Mode IE8.
3. Close window, try again.
If you’re using Google Chrome and nothing happens when you click Login, allow JavaScript by following these steps:
1. Click on the 3 line icon at the right of your URL address bar to bring down the menu
2. Click Settings
3. Click Show advance settings
4. Under Privacy Click Content Settings
5. Click the radio button “Allow all sites to run JavaScript (recommended)”
6. Click Done
Check the zoom in or zoom out setting of your browser. With the browser open:
Hold "Ctrl" key and press the "+" key to zoom in (and "-" to zoom out). Or
Hold the "Ctrl" key on the keyboard and scroll your mouse wheel to zoom in or to zoom out.
How do I apply for eIPO?

To apply, kindly follow the following instructions:
i. Login to your PBe profile
ii. Select “Investment”
iii. Choose “Apply eIPO”
iv. Click on the Share Name you wish to apply
v. Read the terms and conditions. If you are agreeable, click “Accept”
vi. Fill in the necessary information, together with the number of shares you wish to apply
vii. Click “Next”
viii. Click on “Confirm” to submit your eIPO application
How do I remove accounts that are linked to my PBe profile?

To modiify your personal details, first login your account. Click on "Profile Maintenance" followed by "Manage Profile".
Next, select "View/Delete Accounts".
What can I do under the “Stop Cheque Request” feature?

You can request tostop a cheque presentation at a Public Bank branch.
How do I cancel my ATM Card via PBe?

(i) Choose Profile Management
(ii) Click on Cancel ATM Card
(iii) Select the card(s) you want to cancel
(iv) Click on “Next”
(v) Check your details to ensure the ATM Card selected is correct
(vi) Click “Confirm” to cancel your ATM Card
(vii) Upon confirmation your ATM Card(s) will be cancelled immediately. The card can no longer be reactivated
(viii) To apply for a replacement ATM Card, please visit any PBB/PIBB branch
What is PAC?
PAC is system generated six digit authentication code. Each PAC is unique and acts as an additional layer of security
to protect your banking accounts.
Always treat each PAC with care. Do not share or key in your PAC number without checking these details first!
1. Payee’s name
2. Transaction amount
3. Serial number
4. PAC number
5. Date
6. Time
7. Type of transaction
Remember: The PAC number is never required at PBe’s login page.
What is “To Other Account”?

“To Other Account” means transferring funds to someone else’s account, be it Public Bank or other banks.
I have placed PBe login page into my bookmarks / favourites folder. Right now, I’m
facing problems logging in through the bookmarked webpage. What should I do?
To avoid login issues, we recommend customers to only bookmark our homepage:www.pbebank.com.
I have not login for more than six months.

Your PBe account will be blocked due to security concerns. Kindly contact our PBe Customer Support at 03-2170
8000 to unblock your account.
How do I keep my computer secure?

We recommend you to regularly update your operating system for new patches, fixes and enhancements.
You may also need to ensure that your computer is protected with:
i. Anti-virus software
ii. Anti-spyware software
iii. Firewall software or hardware
How do I apply for eRights?

To apply, kindly follow the following instructions:
i. Login to your PBe profile
ii. Select “Investment”
iii. Choose “Apply eRights”
iv. Read the terms and conditions. If you are agreeable, select “I Agree” and click "Next"
v. Fill in the necessary information, together with the number of units you wish to apply
vi. Click “Next”
vii. Click on “Confirm” to submit your eRights application
What is PBe?
PBe (formerly PBeBank) is Public Bank’s online banking website. It facilitates online financial services, online bill
payment and informational services.
Can I perform online banking transactions on weekends?

PBe provides you the convenience of performing banking transactions any time and any day, even weekends and
holidays.
How do I register for E-Statement?

For PBe Personal Accounts, please follow these steps below :
i. Choose E-Statement Registration
ii. Choose your account and click ‘Next’
iii. Read the Terms & Conditions
iv. Click ‘I Agree’ to complete the registration
What is the online operation hours for Foreign Currency Remittance?

The Online Foreign Currency Remittance (Telegraphic Transfer) is available from Monday to Friday from 9.30 a.m. to
3.00 p.m.
This service will not be available on a Federal Territory Public Holiday.
Can I access PBe Internet Banking using a public PC?

Please refrain from accessing PBe using public / shared PCs or even through public Wi-Fi hotspots. These mediums
are not secure and may be vulnerable to hacking attempts.
I have not login for more than 1 year.

Your PBe account will be automatically purged by the system after one year of inactivity. You are advised to re-apply
for PBe access at an ATM or your account holding branch.
What is the best browser in accessing PBe?

We recommend customers to use the following browsers. Please also ensure the browsers are updated to the latest
version for an optimised user experience.
Google Chrome
Microsoft Edge
Mozilla Firefox
Opera
Safari
Click here for more information and where to download the browsers.
When is PAC required?

You will receive a PAC via SMS when you are performing the following transactions:
1. PBe Registration
2. Challenge Question Enrolment
3. Device Binding
4. Reset Password, Re-activate User ID
5. Cancel ATM Card
6. Deactivate Credit / Debit Card
7. Activation of Quick Access on PB engage
8. PB SecureSign registration on PB engage
What happens if I have not login after obtaining my User ID / password?

The User ID and password issued will be blocked after 30 days. Kindly reapply for a new PBe access at an ATM or
your account holding branch.
What is the difference between “Bill Payment (To Bill)” and “Bill Payment (To
Favourite Bill)” feature?
Bill Payment (To Bill)
i. Customers can pay to any bill payee corporation available without having to set up the relevant bill details.
ii. This is normally used for a one-time payment.
Bill Payment (To Favourite Bill)
i. Customers have to register bill details online under "Bill Registration and Maintenance" before making actual
payments.
ii. This is much more convenient to customers who make regular payments.
What can I do under the “Cheque Status Inquiry” feature?

The cheque status presented to you is only valid for the last 60 days including the date of inquiry. For example:
i. 10 January 2013- You presented cheque at a Public Bank Branch
ii. 10 June 2013- You performed a cheque status inquiry through PBe.
Your cheque status will be shown as "Not presented in the last 60 days".
How do I apply PBe online banking for my company?

You may apply at your company account holding branch by submitting the application form, Board of Directors
Resolution for the company's account and the Partnership Agreement for the Partnership account.
What is the daily fund transfer limit?

Fund Transfer PBe Personal Banking (Individual/Joint/Sole Proprietor)
To own account Unlimited

1 2
To other accounts RM50,000 (with PB SecureSign or SecureSign Token )
1
The daily fund transfer limit can be maintained online at Profile Maintenance/Manage Profile/Change Limit/Change
Daily Limit up to a maximum of RM50,000.00. Single transaction limit is up to RM10,000 with PB SecureSign (Push
Notification); single transaction limit is up to RM50,000 with PB SecureSign (SecurePAC).
2
Daily Limit up to a maximum of RM50,000.00. Single transaction limit is up to RM50,000 with SecureSign Token.
My account shows that it is dormant or inactive. What should I do?

To activate your account, you will need to perform an over-the-counter withdrawal transaction at any one of our
branches. You will be able to view your account on the next working day.
What is Gold Trading?

Gold Trading allows you to invest in gold without having to keep gold physically. For more information, click here.
How do I set up my challenge questions and answers?

It’s really simple! Just select your preferred question and provide an answer from each group. There will be three
groups in total. PAC SMS or SecureSign token will be required when performing the enrollment process.
How to perform eFD Withdrawal

i. Choose Account
iii. Select PB eFD
iv. Click on Withdrawal
v. Select PB eFD Account No
vi. Click on eFD Serial No
vii. Click “Yes” on pop up message to proceed or “No” to cancel
viii. Verify details and click on 'NEXT' button
ix. Approve the transaction with PB SecureSign or SecureSign Token
x. Verify details entered and click on 'CONFIRM' button
How can I identify if a seller accepts payment with FPX?

The FPX logo will be displayed at Seller/Merchant’s website or checkout page.
What are the operational hours for PB engage?

PB engage is available 24 hours daily, including public holidays.
How to clear your app cache data?

Please follow these steps below:-
Android:-
a. Go to ‘Settings’ and tap on ‘Apps’.
b. Select PB engage
c. On the ‘App Info’ interface, tap on ‘Storage’
d. Clear your cache by tapping on the ‘Clear Cache’ button
iOS:-
There is no manual way to clear app cache data for iOS. The only solution to clear it is to delete the PB engage
app and reinstall it again.
What is the daily transfer limit for E-SI?

E-Standing Instruction is subjected to your daily fund transfer limit. Please refer here for the daily transaction limits.
When can I download and print GST Tax Invoice?

The Electronic GST Tax Invoice can be downloaded on a bi-weekly basis as follows:
Transaction Date Tax Invoice Available On
1st to 15th of the 16th of the month
month
16th to end of 1st of the subsequent
the month month
Is Quick Balance supported on my device?

Quick Balance is only supported on mobile devices that come with a fingerprint scanner, and runs on iOS 9 and
above or Android 6.0 and above.
Are there any charges for migrating to PB enterprise?

No, there will be no charges for migrating to PB enterprise.
How do I submit a Fraud / Scam Incident Report?

i. Visit the PBe Login Page and click on “Report Fraud/Scam Incident".
ii. Before you submit your report, we strongly advise you to deactivate your User ID / Credit / Debit or ATM card
to ensure your financial safety. Please make sure you have all the details of the fraudulent transaction on hand
such as transaction date / time and amount before you perform any deactivation.
iii. On click, you will be prompted with a disclaimer. If you wish to proceed with any deactivation, click “Yes”. Click
“No” to proceed to submit your fraud report.
iv. Fill in all your relevant details and click “Next”.
v. An SMS PAC will be sent to your registered mobile number for authentication. Enter the PAC number and click
“Next”.
vi. Fill in all your details and click “Add”. Your submission will be added to “Added Incident” table.
vii. You can add another incident report by repeating Step vi. Click on “Next” to proceed.
viii. Verify your details and click on “Submit”.
ix. Your report has been successfully submitted. Please take note of the reference number for future reference.
What are the minimum browser requirements to access PBe?

Web Browser Minimum Version
Google Chrome 109
Microsoft Edge 109
Mozilla Firefox 109
Web Browser Minimum Version
Opera 94
Safari 15
Mobile Browser Minimum Version
Google Chrome 109
Microsoft Edge 109
Mozilla Firefox 109
Firefox Focus 109
Google Search App 249
HeyTap Browser 40
Huawei Browser 12
Opera 75
Safari 15
Samsung Browser 19
What is a Transaction Cooling-Off Period?

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. Due to the buffer time provided by the cooling-off
period, you now have a window of opportunity to cancel the transaction if you notice that the transaction was not
authorized by you.
If you suspect that you have been scammed during this cooling-off period, you may cancel your transaction by simply
logging in to your PBe account, click the "Account" tab and select "Transaction On Hold". Then follow the steps
below:
1. Select the transaction and click the “Delete” button.
2. Select a reason for cancelling the transaction.
3. Click “Confirm”.
4. "On Hold” transaction cancelled successfully.
Alternatively, please contact PBe Customer Support Helpdesk for assistance.
Where is this service available?

This service is available on PBe, PB engage and PB enterprise.
How does DuitNow Transfer works?

To perform fund transfer via DuitNow Transfer, simply enter your Recipient’s DuitNow ID, and confirm the transfer
details. The funds will be transferred to the Recipient’s account instantly. But you need ensure that the Recipient’s
already registered their DuitNow ID’s to their selected bank.
What can I do to secure my account after a fraud has been detected?

We strongly recommend to do the following:
i. Change your password immediately.
ii. Contact the Bank or the authorities to make a report.
iii. Deactivate your User ID via PBe.
iv. Submit a Fraud / Scam Incident Report
What is SecureSign Token?

SecureSign Token is a digital signing process to confirm and approve financial transactions performed via PBe.
Authentication of the transaction is through the digital signature made by the authorizer.
Can I reset my PBe password if I am overseas?

Yes. You may reset your PBe Password / Reactivate your User ID as long as you are connected to the Internet.
Do I need any software to access PBe?

Yes, you would need the latest version of the internet browsers. Click the links below to download.
Google Chrome
Mozilla Firefox
Microsoft Edge
Opera
Safari
Is it secure using SecureSign Token?

SecureSign Token uses Two Factor Authentication technology and digital signature solution to authenticate and
secure online banking transactions. The token is secured with PIN and uses advance encryption standards.
How do I deactivate my User ID via PBe?

You can deactivate your User ID via PBe by following these steps:
i. Visit www.pbebank.com and select “Login”.
ii. Click on “Deactivate User ID”
iii. Fill in the necessary details and authorise the deactivation via SecureSign Token / SMS PAC.
iv. Your User ID is now deactivated.
Can I login PBe through notebook computer / laptop / mobile phone / tablet?
Yes. As long as your device has an internet browser and has access to the internet, you can login to your PBe profile.
I have forgotten my Password / My User ID has been deactivated due to multiple

failed login attempts. What are the conditions to reset my PBe Password / Reactivate
my PBe User ID?
To reset your password / reactivate your User ID, you must fulfil any ONE of the following conditions:
i. Have an ATM Card or PB Credit / Debit Card
ii. Have a Current / Savings account
iii. Have a Loan/Financing account or Hire Purchase account
iv. Have a Temporary ID and Password obtained from a branch
Do I need to register for DuitNow Transfer?

Yes, you are required to register if you wish to receive funds via DuitNow Transfer service. However, if you only
intend to transfer funds, no registration is required.
How would I know if my transfer is undergoing the Transaction Cooling-Off Period?
The Bank will notify you of the status of your transaction via SMS, e-mail and push notification.
Alternatively, you may track your transactions by logging into PBe, click “Account” and select “Transaction On Hold”.
Any transaction that is undergoing the transaction cooling-off period will be listed here.
Do I need to submit a new application?

You are not required to submit a new application*. However, you are required to update your corporate user profile.
*Some accounts may require a new application submission. The Bank will contact you should it be required.
What is PBe's operating hours?

PBe service is available 24 hours, 7 days a week.
Does Quick Balance support Face ID?

No, Face ID is not supported.
Is PBe Registration available on PB engage MY?

No. You can only register via PBe.
What are the conditions to register for PBe?

To register for PBe, you must have a Temporary ID and Password upon subscription for PBe at branches.
How long will the GST Tax Invoice be available online?

The GST Tax Invoice is available online for a period of 2 years.
Are there any service charges for E-SI?

Service charge is free for E-SI funds transfers within Public Bank accounts. Standard Fees & Charges apply for
transfer to other banks.
I received a notification to upgrade my PB engage to the latest version. Can I still use
the app without upgrading it?
No. For security reasons, you are required to upgrade your PB engage to continue using it.
Do I need to register before using PB engage?

No pre-registration is required. Please use your existing PBe User ID and password to sign in.
Where is this service available?

This service is available on PBe, PB engage and PB enterprise.
How much is the service fee charge for FPX via PBe?
The service fee charge levied on FPX service varies according to the types of services and merchant selected.
How to print Placement / Renewal Slip?

i. Choose Account
iii. Select PB eFD
iv. Click on Print Placement / Renewal Slip
v. Select PB eFD Account No
vi. Click on the PB eFD Serial No and click Print
Can I choose not to set up challenge questions and answers?

No. This security feature applies to all our online banking customers.
What is Share Trading?

Share trading allows you to buy and sell counters listed on Bursa Malaysia through your PBe profile. For more
information, click here.
How do I register bills that I pay frequently?

i. Select “Payment”
ii. Select “Manage Favourite Payment”
iii. Select your desired Payment Account (Bill Payment, PB Card Payment, PB Loan / Financing, JomPAY)
iv. Enter the required details of your selected Payment Account (Corporation Code, Beneficiary Account No., Biller
Code) and click 'Next'
v. Fill in all the information required on screen and click 'Confirm'
vi. Authorise the transaction with PB SecureSign or SecureSign Token
vii. Verify the details entered and click 'Confirm' to proceed
What can I do under “Profile Maintenance”?

i. Change Mailing Address (sent to your Account Holding Branch)
ii. Change Personal Details
iii. Change Password
iv. Manage Personal Login Phrase
v. Unregister PAC
vi. Change Preferred branch (for collection of new FD certificates, Bankers Cheques and Demand Drafts)
vii. Change Daily Transfer Limit
viii. View / Delete Account
How do I obtain a PAC?

Once you have successfully registered your mobile phone number, a “Request PAC Now” option will be available to
you whenever you make the transactions highlighted above.
Click on “Request PAC Now” and a six digit PAC number will be transmitted to your mobile phone via SMS.
What is“Favourite Account” and how is it different from “To Other Account”?
The “Favourite Account” feature allows you to store your favourite accounts. You can even give each of these
accounts a new name. Once registered, the account number, along with its new name will be recorded in your
profile.
Unlike “To Other Account”, there is no need to enter a Favourite Account's information before each transaction.
Simply select it from your list of Favourite Accounts.
What is “Balance Inquiry”?

Balance Inquiry allows you to view your account balances, provided the accounts are linked to your PBe profile. You
may view any of your accounts listed below:
i. Deposit Accounts (Savings / Current)
ii. Loan / Financing
iii. Credit / Debit Card
iv. Gold Investment Account
Why does it take such a long time to load webpages on PBe?

The slow response you are experiencing could be caused by any of the following reasons:
i. You may not be using the recommended browser, operating system or hardware
ii. Your Internet Service Provider, Local Area Network (LAN) or our system may be experiencing heavy traffic
iii. Your computer may be infected by malicious programs, rootkit, viruses or spywares
iv. Your browser’s cache memory may be cluttered. View below to check how you can clear your browser's cache.
How much funds can I remit?

The maximum amount that you can transfer will be based on your daily third party fund transfer limit maintained.
Who can access PBe?

PBe informational services are accessible to all Internet users.
Transactional services are exclusive to customers with a registered PBe profile.
How do I prevent others from viewing my transaction information?

The best way is to clear your browser’s cache memory after each transaction.
What is “Transaction History”?

Transaction History allows you to view your account transactions for the current month and the past two months. Your
account must first be linked your PBe profile.
How do I perform a fund transfer to other Public Bank accounts?

i. Click on Fund Transfer
ii. Click on PB Account
iii. Click on To Account or To Favourite Account
iv. Select From Account
v. Enter Beneficiary Account No
vi. Enter Amount(RM) and click on Next
vii. Authorise the transaction with PB SecureSign or SecureSign Token
viii. Verify details entered and click on Confirm
What is the daily third party fund transfer limit?

To PBB accounts
To own account Unlimited

1 2
To other accounts RM50,000 (with PB SecureSign or SecureSign Token )
To other bank accounts

1 2
Interbank GIRO (IBG) RM50,000 (with PB SecureSign or SecureSign Token )
1 2
DuitNow Transfer RM50,000 (with PB SecureSign or SecureSign Token )
1
Daily Limit up to a maximum of RM50,000.00. Single transaction limit is up to RM10,000 with PB SecureSign (Push
Notification); single transaction limit is up to RM50,000 with PB SecureSign (SecurePAC).
2
Daily Limit up to a maximum of RM50,000.00. Single transaction limit is up to RM50,000 with SecureSign Token.
How do I register my mobile phone number?

Kindly visit any of our Public Bank branches to register your mobile phone number.
*Take Note: Should there be a change in your mobile phone number, kindly update your registered mobile phone
number at any Public Bank Branch.
How do I delete a registered bill-payee corporation?

i. Click "Payment"
ii. Select “Manage Favourite Payment”
iii. Select "Bill Payment"
iv. Determine the registered payee corproations to be deleted by ticking the check boxes next to them
v. Click on “Delete”
When will the process take place?

All Online Telegraphic Transfer instructions will be routed to your Account Holding Branch. The delivery time is
normally 2 working days, subject to completeness in beneficiary's information and the efficiency of the receiving bank.
What are the minimum requirements for corporate PBe Online Banking?
Requirements for corporate PBe Business Banking are the same as PBe Personal Banking. Even so, corporate
accounts require an SecureSign to perform financial transactions.
How often do I need to update my contact number?

Please update us with your latest contact details as soon as possible.
To modiify your personal details, first login your account. Click on "Profile Maintenance" followed by "Manage Profile".
Next, select "Change Personal Details".
For mobile devices what are the functions of the icons?

Login
Sign in to access your account
Logout
Sign out from your account
Contact
Get in touch with the bank
About us
Learn more about Public Bank
Do I need to change my PBe User ID or password?

No. You may keep your current User ID and password.
Can I cancel a successful FPX transaction?

No. It is not possible to cancel a successful and completed FPX transaction through the system. However, you may
liaise with the seller/ merchant directly on the matter.
How does DuitNow works?

To perform fund transfer via DuitNow, simply enter your Recipient’s DuitNow ID, and confirm the transfer details. The
funds will be transferred to the Recipient’s account instantly. But you need ensure that the Recipient’s already
registered their DuitNow ID’s to their selected bank.
How do I create an E-SI?

i. Choose Account
ii. Click on ‘E-Standing Instruction (E-SI)
iii. Click on ‘Create E-SI
iv. Choose your transaction type
v. Fill in the details :-
a. From Account
b. Beneficiary short name
c. Amount (RM)
d. First Effective Date
e. Frequency
f. Occurrence(s)
vi. Click on ‘Next’
vii. Verify details entered
viii. Authorise the transaction with PB SecureSign or SecureSign Token
ix. Click on ‘Confirm’
Where can I get the previous years’ GST Tax Invoice?

You may request for printing of GST Tax Invoice from your account holding branch.
How soon can I expect my first E-Statement?

Your first E-Statement will only be available for download two days after your account's next statement date.
How do I register for Quick Balance?

i. Login to PB engage
ii. On Quick Balance setup, select 'Yes'
iii. Acknowledge the Fingerprint Disclosure by selecting 'Proceed'
iv. Enter your IC/Passport Number, Device Name and select 'Next' to proceed
v. Select 'Request PAC'
vi. Enter the PAC number and select 'Confirm'
vii. Scan your fingerprint to complete the registration
How do I login to PB enterprise?

You will receive a First-time Login email containing your Company ID, User ID, and a temporary password form the
Bank. The temporary password is for you to perform your first-time login at www.pbenterprise.com. You will be
prompted to create a new password and Personal Login Phrase followed by a PAC to authenticate your first-time
login.
What does my transaction status "On Hold", "Processing", "Completed",

"Cancelled" or "Failed" mean?
Transaction Status Definition
On Hold The transaction is undergoing a cooling-off period
Processing / Completed The cooling-off period has ended. Your account will be debited shortly or was debited.
Cancelled / Failed The transaction was cancelled or failed.
How do I cancel my ATM / Credit card?

You can cancel your ATM / Credit card via the following methods:
via PBe Homepage
i. Click on the "Cancel Card" button located just below the Login button.
ii. Select 'Cancel ATM Card' or 'Deactivate your Credit/Debit Card'
iii. Key-in your card number or New IC/Old IC/Passport No/Armed Forced No and click 'Next'
iv. Key-in your authentication (OTP / Card PIN) to proceed
v. You have successfully cancelled your ATM / Credit card
via PBe (ATM Card):
i. Login to PBe and select 'Profile Maintenance'.
ii. Select 'Cancel ATM Card'.
iii. Select the card(s) you want to cancel and click on 'Next'.
iv. Make sure the ATM card selected is correct before clicking on 'OK' to proceed.
v. Upon confirmation, your ATM card(s) will be cancelled immediately. The card can no longer be reactivated.
via PBe (Credit Card):
i. Login to PBe and select 'Account'.
ii. Select 'PB Card' and then select 'Cancel Card'
iii. Select the card you want to cancel and click on 'Next'.
iv. Fill in the necessary details and click 'Next'.
v. Upon confirmation, your Credit Card will be cancelled immediately. The card can no longer be reactivated.
Alternatively you can also contact the following to cancel your ATM / Credit Card.
Report Lost / Cancel ATM Card 03-2170 8000
Report Lost / Cancel Credit Card 03-2176 8555
How do I register for DuitNow ID?

The registration will be made available via PBe, PB engage and PB enterprise. Please follow these steps below:-
a) Register via PBe
i. Select 'Fund Transfer'
ii. Look for DuitNow and select 'Register DuitNow'
iii. Select the available DuitNow ID(s) and choose the receiving account
iv. Accept the Terms and Conditions and click 'Next' to proceed
v. Verify the details before performing your transaction authentication method and click 'Confirm' to complete the
process
b) Register via PB engage
i. Select 'Settings'
ii. Look for Manage DuitNow ID and select 'Register DuitNow ID'
iv. Accept the Terms and Conditions and click 'Confirm' to proceed
process
c) Register via PB enterprise
i. Select 'DuitNow'
ii. Look for DuitNow Transfer and select 'Register DuitNow'
v. Verify the details then click ‘Submit’ for you Approver to approve your request
What is PB SecureSign (digital token)?

PB SecureSign (digital token) is a digital security token attached to your PB engage MY mobile banking application
as your alternative authentication method in PBe. It can replace your existing hard token for authenticating internet
and mobile banking services. Click here for more information.
Although PB engage MY app can be installed on multiple mobile devices, you are allowed to activate PB SecureSign
digital token on 1 device only (primary device).
Is it secure using PB SecureSign (digital token)?

PB SecureSign brings you the convenience of banking online without the need to carry your physical hard token
around. Other than convenience, digital token is just as secure using biometric recognition or 6-digit SecurePIN.
How do I re-activate my User ID?

You can reactivate your User ID by visiting your nearest Public Bank branch.
How do I clear my browser’s cache memory?

For Mozilla Firefox:
i. Select “Tools” (located at the top of your browser’s window)
ii. Choose “Options”
iii. Click “Privacy & Security”
iv. Click “Clear Data” under the “Cookies and Site Data”
v. Check the box for “Cached Web Content”
vi. Click “Clear”
vii. Close and reopen your Mozilla Firefox
For Google Chrome:
i. Click the “Tool menu” (three dotted lines in the upper-right corner)
ii. Click “More tools” > “Clear browsing data”
iii. Choose a time range. Select “All time” to delete everything
iv. Check boxes for “Cookies and other site data” and “Cached images and files”
v. Click “Clear data”
vi. Close and reopen your Google Chrome
For Opera
i. Click “Setting”
ii. Click “Privacy & Security”
iii. Click “Clear browsing data”
iv. Check the boxes of “Cookies and other site data” and “Cached images and files”
v. Click “Clear browsing data”
vi. Close and reopen your Opera
For Safari
i. Click on “Safari” on the top menu bar
ii. Click “Preferences”
iii. Click “Privacy tab”
iv. Click “Manage Website Data”
v. Click “Remove All”
vi. Click “Remove Now”
vii. Close and reopen your Safari
How many DuitNow IDs can I register?

You can register multiple DuitNow IDs as long your ID is updated with the bank system. However, only one DuitNow
ID can be registered to one bank account.
When will the transaction be released?

Your on hold transactions will be released within a few hours. We appreciate your patience during this process, as
our primary goal is to safeguard your financial well-being. For assistance, kindly email to our Case Management
officer at casemanagement@publicbank.com.my.
How will I know when my company is migrating?

The Bank will notify you on your company's migration schedule via email.
How do I login with Quick Balance?

Once you have successfully registered for Quick Balance, tap on 'Quick Balance' icon the next time you launch PB
engage. Touch the fingerprint sensor on your device to proceed.
Why I cannot download my GST Tax Invoice?

You may email to PBe Customer Support at customersupport@publicbank.com.my or contact 03-2179 9999 for
further clarification.
How do I delete a scheduled E-SI?

You manage your E-SI by deleting an entire E-SI or delete specific transactions within your created E-SI.
a. To delete an entire E-SI, please follow these steps below:-
i. Choose Account
ii. Click on ‘E-Standing Instruction (E-SI)
iii. Click on ‘Manage E-SI’
iv. Choose the E-SI that you want to delete
v. Click on ‘Delete’
b. To delete a specific transaction within your E-SI, please follow these steps below:-
i. Choose Account
ii. Click on E-Standing Instruction (E-SI)
iii. Click on Manage E-SI
iv. Choose the E-SI you want to manage
v. Click on ‘View Details’
vi. Choose which specific transactions scheduled date that you want delete
vii. Click on ‘Delete’
Do I need to register for DuitNow service?

Yes, you are required to register if you wish to receive funds via DuitNow service. However, if you only intend to
transfer funds, no registration is required.
My account was debited but the seller/ merchant claims that it has not received the
fund. What should I do?
FPX transaction status is final and the merchant must fulfill its obligations. You should contact the seller/ merchant
and provide the transaction details such as the online receipt issued by FPX/merchant or the e-mail notification
received from FPX that contained the following details:
• FPX Transaction ID
• Merchant Order No.
• Payment amount
• Date and time of the payment
Can I set up my challenge questions via PB engage?

No. You may only set up your challenge questions and answers via PBe. Access to PB engage will be blocked until
you have set up the challenge questions.
How do I pay MyGST-KASTAM via PBe?

i. Log in to your PBe account. Click on the green tile labeled “Payment”.
ii. Select “Bill Payment” followed by “To Other Bill”.
iii. Locate and select “MyGST-KASTAM” in the drop down menu. Click “Next”.
iv. Pick your preferred account, fill in the rest of the details and click “Accept”.
v. You will be taken to a new page. If your details are in order, authorise the transaction with PB SecureSign or
SecureSign Token.
Click here for more information on GST.
How do I perform an Online Foreign Currency Remittance?

Steps on how to perform remittance to overseas via PBeBank.com
i. Login to PBeBank.com
ii. Click "Fund Transfer"
iii. Select "Foreign Remittance"
iv. Click "Telegraphic Transfer"
v. Read through the Terms & Conditions and click on "Accept"
vi. Select From Account
vii. Select Currency Type
viii. Enter Foreign Currency Account
ix. Enter the necessary information
x. Click "Next"
xi. Authorise the transaction with PB SecureSign or SecureSign Token
xii. Click "Confirm"
What can I do under “Cheque Management” Feature?

You can request for new cheque books, stop a cheque and inquire on a cheque’s status.
Can I use the same PAC for multiple transactions?

No. A new PAC is required for every transaction.
How do I perform a credit card payment to someone else card?

i. Click on Payment
ii. Select PB Card
iii. Click on To Card or To Favourite Card
v. Enter credit card number in Beneficiary Account No
vi. Enter Amount (RM) and click on Next
vii. Authorise the transaction with PB SecureSign or SecureSign Token
viii. Verify details entered and click on Confirm
I require clarification regarding my account transactions.Who can I contact?

For Savings / Current / Loan /Gold Investment accounts, please contact your respective account holding branches.
Contact details can be found here.
As for Public Bank Credit Card customers, you may contact our PB Card Services at 603-2176 8000 or email us at
custsvc@publicbank.com.my.
How can I register for a PBe profile?

Please approach any of our Public Bank branches or your nearest Public Bank ATM to apply for a PBe account.
Am I eligible to apply for a PBe profile?

To apply for a PBe account, you must:
i. Be at least 18 years old
ii. Possess any of the following Public Bank products:
Savings Account
Current Account
Loans or Hire Purchase
Credit Card
Fixed Deposit Account
PB R-NID Account
Gold Investment Account
What is CSV download?

CSV Download shows you your account balance and transaction history in CSV (Comma Separated Value) format.
For the best view, please open the file using spreadsheet softwares such as Microsoft Excel or OSX's Number.
How do I perform a loan / financing payment to someone else’s Public Bank

accounts?
i. Click on Payment
ii. Select PB Loan/Financing Payment
iii. Click on To Account or To Favourite Account
v. Enter loan/financing account in Beneficiary Account No
vi. Enter Note No
vii. Enter Amount (RM) and click on Next
ix. Verify details entered and click on Confirm
When will the funds be made available at the beneficiary's account if I transfer using
Interbank GIRO (IBG)?
The funds will be available in the Beneficiary's account at the following times:
Payment Initiated by Customers via PBe *Funds Received by Beneficiaries
Business Days Before 5:00 a.m. Same business day By 11:00 a.m.
(Monday – Friday) 5:01 a.m. to 8:00 a.m. By 2:00 p.m.
8:01 a.m. to 11:00 a.m. By 5:00 p.m.
11:01 a.m. to 2:00 p.m. By 8:20 p.m.
2:01 p.m to 5:00 p.m. By 11:00 p.m.
After 5:00 p.m. Next business day By 11:00 a.m.
Non-Business Days (Saturday, Sunday and Federal Territory Public Holiday) Next business day By 11:00 a.m.
Applicable for all IBG payments and funds transfer to Current Accounts and Savings Accounts.
For loan and credit card payments initiated up to and including 5:00 p.m. on Business Days, funds will be
available in the beneficiary’s account before 12:00 midnight on the same day.
* Under normal circumstances
How does PAC work?

i. Select the transaction you wish to make
ii. At confirmation page, click on “Request PAC Now”
iii. Once you have received your SMS, enter the 6-digit authentication number. Ensure the serial number shown
on screen matches the serial number in your SMS.
iv. Upon checking the serial number, enter the PAC number shown in your SMS into the transaction screen.
v. Click "Confirm" to confirm your transaction.
What is eCommerce Purchase One-Time Password (OTP)?

eCommerce Purchase One-Time Password (OTP) allows you to perform secure payments to online merchants
through PBe. Upon making an online purchase through PB Credit/Debit Card, you will receive a verification SMS
containing the OTP.
* Take Note: To receive the SMS, we require your principal and supplementary card’s mobile phone numbers. Kindly
update us with your latest numbers as soon as possible.
How much are the service charges?

The charges for each wire transfer are as follows:-
i. Commission of RM2.00
ii. Cable charges of RM30.00
The charges incurred may be subject to changes by the Bank. All charges incurred or imposed outside Malaysia are
to be borne by the beneficiary.
How do I pay my Income Tax?

Follow these steps to pay your income tax:
i. Log in to your PBe account.
ii. Click on ‘Payment’ and select ‘Other Payment’.
iii. Select ‘Income Tax Payment’, click ‘Next’ to proceed.
iv. Enter your tax reference number (11 digits; excluding alphabets), your NRIC / Passport No./Company
No./Others and click ‘Accept’.
v. Select your relevant Payment Code and click ‘Accept’.
vi. Enter your preferred account, assessment year, and amount. Then click ‘Next’.
vii. Verify your transaction details.
ix. Click ‘Print’ to print the reference page for future references.
Any tip in selecting the challenge questions and the corresponding answers?
Remember, this information will be used to verify your account. Please pick memorable questions and answers that
only you will know.
How do I register for DuitNow ID?

The registration will be made available via PBe, PB engage and PB enterprise. Please follow these steps below:-
a) Register via PBe or PB engage
v. Click on 'Request PAC Now'
vi. Verify the details before entering the PAC and click 'Confirm' to complete the process
b) Register via PB enterprise
My GST Tax Invoice details are not in order, how can I get rectified?
You are advised to contact your account holding branch directly.
Can others view my account balance if their fingerprints are registered on my

device?
Once your device is registered to Quick Balance, your account can be accessed with the fingerprint registered on
your device. Please delete all third party fingerprints registered on your device.
How do I download my E-Statement?

Please follow these steps below :
i. Choose Account
ii. Click on ‘Statement’
iii. Click on ‘E-Statement’
iv. Choose your account and click 'Next'
v. Click 'Statement Date', the E-Statement will be displayed in a PDF file
vi. Save a copy to your PC for future use
I have obtained a Temporary ID and Password. What are the steps to register for
PBe?
What if I did not receive the migration notification or User/Company ID?

The migration exercise will be done in several phases. You will receive your migration notification and User/Company
ID from the Bank in due time.
Why can't I cancel my transaction under “Transaction On Hold”?

Only transactions under the status “On Hold” can be cancelled. Transactions under the status “Processing”,
“Completed”, “Cancelled” or “Failed” cannot be cancelled.
What type of account(s) can I register for DuitNow Transfer?

Currently, you can only register to your Savings and Current accounts as the receiving accounts.
How do I approve PBe transactions using PB SecureSign (digital token)?

You may approve transactions using PB SecureSign (Push Notification) or PB SecureSign (SecurePAC).
I have a/an ATM Card / PB Credit / Debit Card. What are the steps to reset my PBe
Password?
I have a Current / Savings / Loan / Financing / Hire Purchase Account. What are the
steps to reset my PBe Password?
1. At PBe Login page, click on ‘Reset Password / Reactivate User ID’. You will be redirected to the Reset
Password / Reactivate PBe User ID page.
2. Select ‘Reset using your Account Number or ATM / Debit / Credit Card Number’.
3. Enter your current PBe User ID.
4. Select the Product Type and enter your Account Number.
Current / Savings Account: Enter your Account Number
Loan / Financing / Hire Purchase Account: Enter your Account Number and Note Number
5. Enter your Identification Number and the Security Code displayed.
6. Click ‘Next’.
7. Reset your Password and click ‘Confirm’.
8. Authenticate using SMS PAC / PB SecureSign / SecureSign Token.
9. Your password has been reset. You may proceed to log in using your current User ID and new password.
What are the requirements for a User ID?

Your PBe User ID must meet the following criteria:
i. Between 6 to 12 characters
ii. First and second characters must be alphabetical letters
iii. No spaces allowed
What can I do under “Manage DuitNow”?

Manage DuitNow allow you to perform the following actions:-
i. Deregistration of DuitNow ID
You can deregister your DuitNow ID from the PayNet database and you will not be able to receive fund
via DuitNow Transfer service. You need to register again if you wish to receive funds via DuitNow
Transfer service.
ii. Update DuitNow ID Status
You can enable (On) or temporarily disable (Off) your DuitNow ID from receiving funds
iii. Modify Receiving Bank Account
You can change the bank account that is tied to your DuitNow ID.
iv. Switch Bank
You can switch your DuitNow ID registered at other banks to Public Bank.
What Constitutes an Abnormal Transfer?

An abnormal transfer is a transaction that is considered suspicious or out of the ordinary from your usual transaction
activities. These are the transaction that will be placed under cooling off period to ensure your financial security.
How do I approve PBe transactions using PB SecureSign (Push Notification)?

Select the transaction you wish to make. For transaction amounting to RM10,000 or lower, you will be required to
authenticate with PB SecureSign (Push Notification).
At the Confirmation page, tap “Confirm” and you will be prompted with a 120 seconds timer on PBe. Simultaneously,
a push notification will be sent to your PB engage MY app for approval. Verify the transaction details and tap
“Approve” before the countdown timer ends and your transaction will be processed accordingly. Please ensure PBe
displays transaction acknowledgement page before you initiate another transaction or logout from PBe.
Note: Please ensure that you have enabled push notification on the app to receive the push notification. Otherwise,
launch PB engage app and you will be prompted with the transaction approval screen.
How many devices can I register to Quick Balance?

You can register up to a maximum of three (3) devices per user.
What are the requirements for a User ID?

Your PBe User ID must meet the following criteria:
ii. First and second characters must be alphabetical letters
iii. No spaces allowed
What do I need to do to prepare for the migration?

Please complete all your pending transactions in PBe Business Banking and create a backup for all transaction
records / reports, receipts and statements that you might need to use in the future.
How many DuitNow IDs can I register?

You can register multiple DuitNow IDs as long your ID is updated with the bank system. However, only one DuitNow
ID can be registered to one bank account.
Can I use the same exact answer for all three challenge questions?
No. You need to ensure that each answer is unique.
How do I obtain my branch’s contact details?

You can find a complete list of branch addresses on our website by clicking on the 'Branch Locator'' menu item at
http://www.pbebank.com.
What is the exchange rate used?

The exchange rate used is based on the daily prevailing selling rate.
Kindly visit FOREX for daily foreign exchange rates.
What is Positive Pay?

Positive Pay is a service designed to prevent cheque fraud by securing all of your cheque payments.
To which Bank can I perform Interbank GIRO (IBG) fund transfer to?
You can make fund transfers to banks participating in the InterBank GIRO System (IBG).
Financial Institutions Savings/ Current Loan Hire Purchase Credit Card BIC Code
Account No. Length (no. of digits)
Affin Bank Berhad Yes (12) Yes (12) Yes (12) Yes (16) PHBMMYKL
Affin Islamic Bank Berhad Yes (12) Yes (12) Yes (12) - AIBBMYKL
Agrobank Berhad Savings Account Only (16) Yes (17) - - AGOBMYK1
Alliance Bank Malaysia Berhad Yes (15) Yes (15) Yes (15) Yes (16) MFBBMYKL
Alliance Islamic Bank Malaysia Yes (15) Yes (15) Yes (15) - ALSRMYK1
Berhad
Al-Rajhi Bank (Malaysia) Yes (15) - - Yes (16) RJHIMYKL
Berhad (Al-Rajhi Charge
Card)
AmBank (M) Berhad Yes (13) Yes (14) Yes (14) Yes (16) ARBKMYKL
(Ambank Credit
Card & MBFLOC
by Ambank only)
AmIslamic Bank (M) Berhad Yes (13) Yes (13- Yes (14) Yes (16) AISLMYKL
14) (Ambank Credit
Card)
Bangkok Bank Berhad Yes (13) - - - BKKBMYKL
Bank Islam Malaysia Berhad Yes (14) Yes (14) Yes (14) Yes (16) BIMBMYKL
Bank Kerjasama Rakyat Yes (12) Yes (12) Yes (12) MasterCard Only BKRMMYKL
Malaysia Berhad (16)
Bank Muamalat (Malaysia) Yes (14) Yes (14 Yes (14 & 17) - BMMBMYKL
Berhad & 17)
Bank of America (Malaysia) Yes (5-17) - - - BOFAMY2X
Berhad
Bank of China (Malaysia) Yes (13 & 15) - - Yes (16) BKCHMYKL
Berhad
MUFG Bank (Malaysia) Berhad Yes (6) Yes (6) - - BOTKMYKX
Bank Simpanan Nasional Savings Account Only (16) Yes (15) Yes (15) Yes (16) BSNAMYK1
Berhad
BNP Paribas Malaysia Berhad Corporate Current Account Yes (16) - - BNPAMYKL
Only (6-16)
China Construction Bank Yes (12) - - - PCBCMYKL
(Malaysia) Berhad
CIMB Bank Berhad Yes (10 & 14) Yes Yes (10,12 & Yes (16) CIBBMYKL
(10,14 & 17)
17)
CIMB Islamic Bank Berhad Yes (10 & 14) Yes Yes (10,12 & - CTBBMYKL
(10,14 & 17)
17)
Citibank Berhad Personal Savings & Current Yes (10- - Yes (15-16) CITIMYKL
Account (10); 14)
Corporate Current Account:
(9-16)
Deutsche Bank (M) Berhad Yes (10-17) Yes (10- - - DEUTMYKL
14)
Hong Leong Bank Berhad Yes (11&13) Yes (11 Yes (11 & 13) AMEX (15), VISA HLBBMYKL
& 13) (16), MasterCard
(16)
Hong Leong Islamic Bank Yes (11&13) Yes (11 Yes (11 & 13) - HLIBMYKL
Berhad & 13)
HSBC Bank Malaysia Berhad Yes (12) - Yes (16) HBMBMYKL

Savings Account (12)
Current Account
(12,13,14,15,17)
HSBC Amanah Malaysia Yes (12- - Yes (16) HMABMYKL

Savings Account (12)
Berhad 14)
Current Account
(12,13,14,15,17)
Industrial and Commercial Yes (19) Yes (19) - Yes (16) ICBKMYKL
Bank of China (Malaysia)
Berhad
JP Morgan Chase Bank Yes (10-17) Yes (10- - - CHASMYKX
Berhad 17)
Kuwait Finance House Yes (12) Yes (12) Yes(12) - KFHOMYKL
(Malaysia) Berhad
Malayan Banking Berhad Yes (12) Yes (12) Yes (12) MAYBANK AMEX MBBEMYKL
(15), VISA (16),
MasterCard (16);
Maybank Islamic Berhad Yes (12) Yes (12) Yes (12) MAYBANK AMEX MBISMYKL
(15), VISA (16),
MasterCard (16);
MBSB Bank Berhad Yes (16) Yes (16) Yes (16) - AFBQMYKL
Mizuho Corporate Bank Current Account Only (10) - - - MHCBMYKA
(Malaysia) Berhad
OCBC Bank (Malaysia) Berhad Savings Account (10) Yes (15) - Yes (16) OCBCMYKL
Current Account (9-17)
OCBC Al-Amin Bank Berhad Savings Account (10) Yes (15) - - OABBMYKL
Current Account (9-17)
RHB Bank Berhad Yes (14) Yes (14) Yes (12) Yes (16) RHBBMYKL
RHB Islamic Bank Berhad Yes (14) Yes (14) Yes (12) - RHBAMYKL
Standard Chartered Bank Personal Savings & Yes (8) - Yes (16) SCBLMYKX
(Malaysia) Berhad Personal Current Account:
(12)
(5-17)
Standard Chartered Saadiq Personal Savings & Yes (8) - - SCSRMYK1
(Malaysia) Berhad Personal Current Account:
(12)
(5-17)
Sumitomo Mitsui Banking Current Account Only (8) - - - SMBCMYKL
Corporation Malaysia Berhad
United Overseas Bank Savings Account: (10 & 11) Yes (10 - Yes (16) UOVBMYKL
(Malaysia) Berhad & 15)
Current Account:
(7,9,10,11,12,13,14,17)
How does Positive Pay work?

Through PBe’s Positive Pay service, simply provide us with the following information:
i. Payee account number
ii. Cheque number
iii. Payee name
iv. Date of cheque
v. Amount
Public Bank will then cross-check the information above with the cheque you have drawn. Payment will only be made
if all information is accurate. This helps to eliminate cheque fraud.
Is PBe only limited to personal accounts?

No. Any of the following account types can register for a PBe profile:
i. Personal Account
ii. Joint Account (be it either one to sign or anyone to sign)
When will the funds be returned if the receiving financial institution rejects my
Interbank GIRO (IBG) transaction?
The funds will be returned to the account at the following times:
Payment Initiated by Customers via PBe *Funds Returned to Paying Customer
Business Days Before 5:00 a.m. Same business day By 5:00 p.m.
(Monday – Friday) 5:01 a.m. to 8:00 a.m. By 8:20 p.m.
8:01 a.m. to 11:00 a.m. By 11:00 p.m.
11:01 a.m. to 2:00 p.m. Next business day By 11:00 a.m.
2:01 p.m to 5:00 p.m. By 11:00 a.m.
Non-Business Days (Saturday, Sunday and Federal Territory Public Next business day By 11:00 a.m.
Holiday)
* Under normal circumstances
Must I keep my chosen challenge questions and answers a secret?

Yes. Think of it like an additional password. Do not share this information with anyone.
What type of account(s) can I register for DuitNow?

Currently, you can only register to your Savings and Current accounts as the receiving accounts.
Can I opt to continue using PBe Business Banking i.e not be migrated to PB
enterprise?
PBe Business Banking will eventually cease to be in service, we highly encourage you to migrate over to PB
enterprise.
What happens if my device is lost or stolen?

Please deactivate Quick Balance for the lost or stolen device as soon as possible.
How do I approve PBe transactions using PB SecureSign (SecurePAC)?

Select the transaction you wish to make. For transactions more than RM10,000, you will be prompted with a selection
of PB SecureSign (SecurePAC) and SecureSign Token (hard token) at the Confirmation page, depends on your
eligible authentication method.
After selecting PB SecureSign (SecurePAC), you may retrieve the 6-digit code from PB engage through clicking “PB
SecureSign” from the app’s pre-login side menu. (No login to PB engage is required)
After successful biometric or SecurePIN authentication, you will be prompted with a 6-digit SecurePAC. Key in the 6-
digit code on PBe’s Confirmation page and your transaction will be processed accordingly.
How do I deregister my DuitNow ID?

Please follow these steps below :-
a) Deregister via PBe
ii. Look for DuitNow and select 'Manage DuitNow'
iii. Click on delete action icon on the DuitNow ID that you wish to delete
iv. A confirmation pop-up message will appear, click on 'Yes' to confirm the deletion
b) Deregister via PB engage
ii. Look for 'Manage DuitNow ID' and select the DuitNow ID that you wish to deregister
iii. Click on 'Delete DuitNow ID'
iv. A confirmation pop-up message will appear, click on 'Yes' to confirm the deletion.
c) Deregister via PB enterprise
i. Select 'DuitNow'
ii. Look for DuitNow Transfer and select 'Manage DuitNow'
iv. A pop-up message will appear, click on 'Yes' to confirm the deletion
I have obtained a Temporary ID and Password at the branch. What are the steps to
reset my PBe Password?
What are the requirements for a Password?

Your Password must meet the following criteria:
ii. Contain at least one alphabetical letter
iii. Contain at least one number
iv. Contain at least one special character
v. No spaces allowed
Is there any service fee using SecureSign? How do I subscribe for this service?
SecureSign Amount (inclusive GST at 0%)
PB SecureSign (Digital Token) No charge
SecureSign Token (Hard Token) RM50.00 per token* (one time charge)
* Waived effective 1 October 2014
How do I update my DuitNow ID status?

a) Update your DuitNow ID status via PBe
iii. Click on edit action icon on the DuitNow ID that you wish to update
iv. Select your 'Status' on the dropdown menu to 'On' or 'Off' and click 'Next' to proceed
v. Verify the details and click 'Confirm' to complete the process
b) Update your DuitNow ID status via PB engage
i. Select ‘Settings'
ii. Look for ‘Manage DuitNow ID’ and select DuitNow ID that you wish to update
iii. Select your status by toggle ‘On’ or ‘Off’
c) Update your DuitNow ID status via PB enterprise
i. Select 'DuitNow'
How do I deactivate Quick Balance?

Please follow these steps below:
i. Login to PB engage
ii. Go to 'Settings'
iii. Select 'Quick Balance Devices'
iv. Select the device you wish to deactivate
v. Select 'Confirm' to complete the deactivation
Can I postpone my migration?

To ensure minimal disruption to the migration process, you will not be able to postpone your scheduled migration.
What can I do under “Manage DuitNow”?

Manage DuitNow allow you to perform the following actions:-
i. Deregistration of DuitNow ID
You can deregister your DuitNow ID from the PayNet database and you will not be able to receive fund
via DuitNow service. You need to register again if you wish to receive funds via DuitNow service.
ii. Update DuitNow ID Status
You can enable (On) or temporarily disable (Off) your DuitNow ID from receiving funds
iii. Modify Receiving Bank Account
You can change the bank account that is tied to your DuitNow ID.
iv. Switch Bank
You can switch your DuitNow ID registered at other banks to Public Bank.
Forgot the answer to your challenge question?

Please contact PBe Customer Support hotline at 03-2170 8000 for assistance.
How much do I have to pay to register for a PBe account?

Subscription to our online financial services is free.
How do I register for Positive Pay service?

To register, please follow the steps listed as follows:
i. Login your PBe profile
ii. Click on "Account". Next, select "Cheque Management"
iii. Click on "Positive Pay". Choose "Register"
iv. Read the Terms and Conditions and click "Accept"
v. Click "Confirm"
vi. You have successfully registered for Positive Pay service
Are there any charges for making bill payments?

Please click here for charges for making bill payments.
Can I access PBe Online Banking Services from overseas?

You can access PBe as long as you have an internet connection and a PBe account profile.
How do I deregister my DuitNow ID?

a) Deregister via PBe or PB engage
iv. A confirmation pop-up message will appear, click on 'Yes' to confirm the deletion
b) Deregister via PB enterprise
iv. A pop-up message will appear, click on 'Yes' to confirm the deletion
Can I still use my existing User ID and Password?

You will be able to retain or change your User ID when you are prompted to update your corporate user profile. A new
temporary password will be assigned to you to perform your first-time login. You will be prompted to create a new
password and Personal Login Phrase followed by a PAC to authenticate your first-time login.
What happens if I failed to log in with my fingerprint too many times?

Quick Balance will be disabled after five(5) failed attempts. However, you can still log in to your account with your
User ID and Password. Quick Balance will be automatically enabled on your next login.
How do I change my receiving bank account?

i. Select Fund Transfer
ii. Look for DuitNow and select ‘Manage DuitNow’
iv. Select your ‘Account’ on the dropdown menu and click ‘Next’ to proceed
process
ii. Look for 'Manage DuitNow' and select the DuitNow ID that you wish to update
iii. Click on 'Account Number'
iv. Select your ‘Account’ on the selection menu and click ‘Next’ to proceed
process
i. Select ' DuitNow'
To which Financial Institution / eWallet can I perform DuitNow Transfer to?

You can perform DuitNow Transfer to the following Financial Instituitions and eWallets:
No Financial Instituition / eWallet Savings/Current Loan Credit Card
1. Affin Bank Berhad Yes Yes Yes
2. Al Rajhi Banking And Investment Corporation Yes Yes Yes
3. Alliance Bank Malaysia Berhad Yes Yes Yes
4. AmBank (M) Berhad Yes Yes Yes
5. Bank Islam Malaysia Berhad Yes Yes Yes
6. Bank Kerjasama Rakyat Malaysia Berhad Yes Yes Yes
7. Bank Muamalat (Malaysia) Berhad Yes Yes Yes
8. Bank Of America Malaysia Berhad Yes - -
9. Bank of China (Malaysia) Berhad Yes - -
10. Bank Pertanian Malaysia Berhad (Agrobank) Yes Yes Yes
11. Bank Simpanan Nasional Berhad Yes Yes Yes
12. BigPay Savings Only - -
13. BNP Paribas (Malaysia) Berhad Yes - -
14. China Construction Bank (Malaysia) Berhad Yes - -
15. CIMB Bank Berhad Yes Yes Yes
16. Citibank Berhad Yes Yes Yes
17. Deutsche Bank (Malaysia) Berhad Yes - -
18. Finexus Cards Sdn. Bhd. Yes - -
19. Hong Leong Bank Berhad Yes Yes Yes
20. HSBC Bank Malaysia Berhad Yes Yes Yes
21. Industrial And Commercial Bank of China (ICBC) Yes - -
22. JP Morgan Chase Bank Berhad Yes - -
23. Kuwait Finance House (Malaysia) Berhad Yes Yes Yes
No Financial Instituition / eWallet Savings/Current Loan Credit Card
24. Maybank Berhad Yes Yes Yes
25. MBSB Bank Yes Yes Yes
26. Mizuho Bank (Malaysia) Berhad Yes - -
27. MUFG Bank (Malaysia) Bhd Yes - -
28. OCBC Bank (Malaysia) Berhad Yes Yes Yes
29. RHB Bank Berhad Yes Yes Yes
30. Standard Chartered Bank (Malaysia) Berhad Yes Yes Yes
31. Sumitomo Mitsui Banking Corporation Yes - -
32. Touch n Go eWallet Savings Only - -
33. United Overseas Bank (Malaysia) Berhad Yes Yes Yes
How long does it take for me to receive a SecureSign Token?

Generally 7 working days or earlier depending on stock availability.
I have forgotten my PBe User ID and Password. How can I retrieve my User ID to
reset my PBe Password?
You may contact PBe Customer Support at 03-2170 8000 or send an email to customersupport@publicbank.com.my
for assistance.
Alternatively, you may request for a profile replacement at any Public Bank / Public Islamic Bank branch.
My Temporary ID is blocked. What should I do?

You have exceeded the number of attempts allowed. Please contact our PBe Customer Support at 03-2170 8000 for
assistance.
What is the Personal Login Phrase (PLP) for?

The PLP is a user predefined secret word(s) that will be displayed at the login screen after you enter your User ID.
Do not use your User ID and Password as your PLP.
How do I replace the SecureSign Token in the event that it is damaged or the battery
is low?
Warranty of the product is 6 months from date of issuance. A replacement can be requested from your account
holding branch with the charges waived. Depending on the usage and normal conditions, the battery should be good
for 4 years or more.
My DuitNow ID is registered to another bank, how do I switch to Public Bank?

iii. Click on edit action icon on the DuitNow ID that registered to other banks
process
ii. Look for 'Manage DuitNow' and select the DuitNow ID that you wish to update
iii. Click on 'Account Number'
iv. Select your Public Bank Account on the selection menu and click ‘Next’ to proceed
process
i. Select ' DuitNow'
How many users can register for Quick Balance on the same device?
You can only register ONE user per device.
What are the requirements for a Password?

Your Password must meet the following criteria:
ii. Contain at least one alphabetical letter
iii. Contain at least one number
iv. Contain at least one special character
v. No spaces allowed
Can I still use PBe Business Banking after migrating?

Upon receiving your First-time Login email, you are given a 30-day transition period. During this period, you are still
allowed to access PBe Business Banking and perform transactions but the E-SI function will be disabled. After the 30
days are up, PBe Business Banking will be restricted to viewing your account’s past records only.
How do I update my DuitNow ID status?

a) Update your DuitNow ID status via PBe or PB engage
v. Verify the details and click 'Confirm' to complete the process
b) Update your DuitNow ID status via PB enterprise
How do I apply for PBe Services if I am outside of Malaysia and have an account with
the Public Bank Group?
You can only apply for PBe online banking services only when you are in Malaysia. Please visit your account holding
branch to apply for an e-banking profile. Once you have your User ID and password, you can login anywhere.
What is the maximum transaction amount per day?

The transaction amount is limited to RM100,000.00 per day.
Are there any charges for making fund transfers?

Yes. The charges are listed as follows:
Fund Transfer Service Service Charge per transaction
Interbank Giro (IBG) Free of Charge (effective 13 June 2018)
DuitNow Transfer Free of Charge (effective 13 June 2018)
SMS Notification to Beneficiary (Optional) RM0.20
Note: Charges are levied on each transaction performed, regardless of acceptance by the beneficiary bank.
How do I terminate my PBe profile?

To terminate your existing e-banking profile, please approach any of our Public Bank branches. You will be guided on
filling up and submitting an E-Banking Termination form.
Alternatively, you may also contact our Customer Support Helpdesk for assistance.
How do I change my receiving bank account?

v. Click on ‘Request PAC Now’
vi. Verify the details before entering the PAC and click Confirm to complete the process
ii. Look for DuitNow and select Manage DuitNow
I have recently changed my mobile number but my DuitNow ID display my old mobile
number. What should I do?
Please update your mobile number at the nearest branch. Once updated, your previous mobile number will be
deregistered from DuitNow Transfer. Next, go to PBe or PB engage to re-register your new mobile number as your
DuitNow ID.
What is “View PBe Transaction”?

View PBe Transaction is a record of all your transactions performed (last six months) via PBe. This feature caters for
the following transactions:
i. Fund Transfer (To Other Account)
ii. Interbank Fund Transfer (To Account/To Favourite Account)
iii. Credit/Debit Card Payment (To Own Account/To Other Account)
iv. Loan/Financing Payment (To Own Account/To Other Account)
v. Bill Payment (To Bill/To Favourite Bill)
vi. Other Payment (Zakat / Wakaf)
vii. Other Payment (Income Tax Payment)
viii. Prepaid (Top-up)
ix. Investment (To Account / To Favourite Account)
x. FPX
xi. Other Payment (EPF Payment)
xii. DuitNow Transfer (To Other / Favourite Account / ID)
xiii. Foreign remittance
xiv. Western Union
xv. JomPAY
xvi. DuitNow / DuitNow QR
xvii. PB Visa Direct
xviii. Other Payment (Lembaga Tabung Haji)
xix. Buy / sell Gold Investment Account
How do I deactivate my PBe User ID?
What precautions should I take to secure the hard token?

Activate your personalized PIN (6 digits) immediately upon receipt of the token. Always keep the PIN secret and the
token safe. Do not leave the token unattended or share it with anyone else. For added security, change the PIN on a
periodical basis. Try to avoid weak PINs such 123456, 282828, 444444 etc. Without the token, transactions cannot
be performed without your knowledge nor authorization.
What are the requirements of a Personal Login Phrase (PLP)?

Your PLP should range between 13 to 20 alpha-numeric characters including special characters (` ~ ! @ $ % ^ * _ = +
[ ] | ; : . / ? ).
What is the Security Code for?

In order to prevent malicious requests attempted by bots, you are required to enter a 6-digit alphanumeric code
displayed in the box (example below) before you proceed.
If you are unsure of the characters displayed, you may click the refresh button to refresh the code.
I have forgotten my Temporary ID and Password. What should I do?

You need to re-apply for a new Temporary ID and Password at your account holding branch.
I cannot proceed even though I entered the correct Temporary ID. What should I do?
Your Temporary ID is only valid for 30 days. Kindly re-apply for a new Temporary ID and Password at your account
holding branch.
What are the Memorable Question and Memorable Answer for?

They will be used to authenticate your identity when you contact our Customer Support in the future. You are advised
to remember the answer to your selected question.
What if I forgot the SecureSign Token PIN?

You have six attempts at the PIN. After which, the token will be blocked with the ‘Unblock Code’ displayed. You have
to proceed to your Account Holding Branch personally to have the token unblocked at no cost.
I would like to know more about products and services offered by Public Bank. How
may I do so?
You may contact our Customer Services Department at 1-800-22-5555 or by email at
customerservice@publicbank.com.my. Alternatively, you may choose to get in touch with us via an online form at
Contact Us.
How do I perform a DuitNow Transfer?

a) DuitNow Transfer via PBe
i. Select ‘Fund Transfer’
ii. Look for DuitNow and select ‘To Other Account’ or 'To Favourite Account'
iii. Select your ‘From Account’
iv. Choose the ‘DuitNow ID Type’
v. Enter the ‘DuitNow ID’
vi. Enter the amount and other details
vii. Accept the Terms and Conditions and click ‘Next’ to proceed
viii. Verify the details before performing your transaction authentication method and click 'Confirm' to complete the
process
b) DuitNow Transfer via PB engage
i. Select ‘DuitNow Transfer'
ii. Select your ‘From Account’
iii. Choose the ‘DuitNow ID Type’
iv. Enter the ‘DuitNow ID / Account No.’
v. Enter the amount and other details
vi. Accept the Terms and Conditions and click ‘Next’ to proceed
vii. Verify the details before performing your transaction authentication method and click 'Confirm' to complete the
process
c) DuitNow transfer via PB enterprise
i. Select ‘DuitNow’
ii. Look for DuitNow Transfer and select ‘DuitNow’
iii. Choose ‘Transfer Mode’
iv. Select your ‘From Account’
v. Choose the ‘DuitNow ID Type’
vi. Enter the ‘DuitNow ID’
vii. Enter the amount and other details and click ‘Add to List’
viii. If you wish to add more transactions, repeat from step (iii)
ix. Accept the Terms and Conditions and click ‘Next’ to proceed
x. Verify the details then click ‘Submit’ for you Approver to approve your request
My DuitNow ID is registered to another bank, how do I switch to Public Bank?

v. Click on ‘Request PAC Now’
vi. Verify the details before entering the PAC and click ‘Confirm’ to complete the process
iv. A pop-up message will appear, click on ‘Yes’ to confirm the switching
v. Select your ‘Account’ on the dropdown menu and click ‘Next’ to proceed
vi. Verify the details then click ‘Submit’ for you Approver to approve your request
What are the common account number formats in Public Bank?

Type of Public Bank Accounts Account number format
Savings/Current/FD Account 10 digit account number
Loan/HP Account 10 digit account number followed
by a 5 digit note number
Credit Card Account 16 digit card number
I have recently changed my mobile number but my DuitNow ID display my old mobile
number. What should I do?
Please update your mobile number at the nearest branch. Once updated, your previous mobile number will be
deregistered from DuitNow. Next, go to PBe or PB engage to re-register your new mobile number as your DuitNow
ID.
Beneficiary ID / IC No. Type and Length

Beneficiary ID / IC No. Type and Length (no. of digits)
New IC Numeric (12)
Old IC Alphanumeric (8)
Business Registration Number Alphanumeric (20)
Passport No. Alphanumeric (20)
Army ID No. Alphanumeric (20)
Police No. Alphanumeric (20)
Is there any service fee involved for DuitNow Transfer services?

No. There is currently no service fee charged for the service.
I did not receive any Push Notification on my device to approve my transactions

Please ensure your Push Notification is turned on for PB engage MY at your device settings.
I cannot log in to PBe or reset my password even though I have entered the correct
User ID and Password.
If you have not logged in for more than six (6) months, your PBe access will be deactivated. Please contact our PBe
Customer Support at 03-2170 8000 to reactivate your profile. Alternatively, you may reactivate your User ID via Reset
Password / Reactivate User ID service.
If you have not logged in for more than one (1) year, your PBe access will be purged by the system. You are advised
to re-apply for PBe access at any ATM or any nearest Public Bank branch.
I tapped on the Push Notification but the transaction approval page was not
displayed
Please close and re-launch your PB engage MY app.
What precautions can I take to protect my password?

You may take the following steps to ensure your password remain safe at all times:
i. Memorize your password. For security reasons, never write them down
ii. Do not disclose your PIN and password
iii. Make sure no one is peeping when you are entering your password
iv. Ensure your computer environment is secure
v. Always remember to perform a proper logout after making financial transactions
vi. Please refrain from accessing PBe on public computers i.e. cyber cafes. If you must, remember to clear the
computer's cache after each session. Change your password as soon as you have access to a secure
computer.
vii. Avoid storing your password in internet browsers. To prevent your browsers from storing your passwords,
please de-activate the "AutoComplete" function.
How do I perform DuitNow transfer?

a) DuitNow transfer via PBe or PB engage
ii. Look for DuitNow and select ‘To Other Account’ or 'To Favourite Account'
iii. Select your ‘From Account’
iv. Choose the ‘DuitNow ID Type’
v. Enter the ‘DuitNow ID’
vi. Enter the amount and other details
vii. Accept the Terms and Conditions and click ‘Next’ to proceed
viii. Click on ‘Request PAC Now’
ix. Verify the details before entering the PAC and click ‘Confirm’ to complete the process
b) DuitNow transfer via PB enterprise
ii. Look for DuitNow and select ‘DuitNow’
iii. Choose ‘Transfer Mode’
iv. Select your ‘From Account’
v. Choose the ‘DuitNow ID Type’
vi. Enter the ‘DuitNow ID’
vii. Enter the amount and other details and click ‘Add to List’
viii. If you wish to add more transactions, repeat from step (iii)
ix. Accept the Terms and Conditions and click ‘Next’ to proceed
x. Verify the details then click ‘Submit’ for you Approver to approve your request
My computer crashed / I got disconnected from the internet in the midst of a

transaction. How do I know whether my transaction is affected or not?
You can:
i. Check your account’s balance from Balance Inquiry, Transaction History or Payment History by logging in PBe
with your current PC or another PC
ii. Check your account balance at the nearest ATM.
iii. Contact our PBe Customer Support at 03-2170 8000 on that particular transaction.
Can I change my User ID?

You are only allowed to change your User ID during your first-time login.
Is there any service fee involved for DuitNow services?

No. There is currently no service fee charged for the service.
I approved a PBe transaction with PB SecureSign. The transaction is displayed as
'Success' on my PB engage MY app but my account was not debited

Please do not close the PBe transaction page until the Reference Number page is displayed to ensure the transaction
is fully processed.
What is the transaction limit for DuitNow Transfer?

DuitNow Transfer (via Account Number) transaction limit are as follows:
Channels Daily Limit
PBe / PB engage RM50,000 (with PB SecureSign or SecureSign Token)
PB enterprise No daily limit. Up to RM10,000,000 per transaction.
DuitNow Transfer (via Mobile Number, NRIC/Army/Police ID, Passport Number, Business Registration Number)
transaction limit are as follows:
Channels Daily Limit
PBe / PB engage RM50,000 (with PB SecureSign or SecureSign Token)
PB enterprise No daily limit. Up to RM10,000,000 per transaction.
What is the difference between One-Time Password (OTP) and PBe Authentication
Code (PAC)?
PB Credit / Debit Card customers will have registered their mobile number as their OTP number while customers who
subscribe for PBe at branches will have their mobile numbers registered as their PAC number. Both OTP and PAC
are used to receive authentication codes for transaction approval.
I have a registered OTP number. Do I need to register a PAC mobile number before I
can register for PBe?
No. During authentication, an SMS will be sent to your registered OTP number to approve your PBe Registration.
Upon successful PBe Registration, your OTP number shall also be registered as your PAC number.
I have forgotten my Temporary ID and Password. What should I do?

You may re-apply for a new PBe access at your account holding branch.
Who can I contact for assistance if I have query about DuitNow Transfer service?
You can contact us at 603-2170 8000 from 6:00 AM to 12:00 midnight.
I entered the SecurePAC but received an error stating that the SecurePAC is invalid
The SecurePAC is only valid for 60 seconds. Please enter the SecurePAC on PBe or PB engage MY before the timer
on PB engage MY runs out.
What if my SecureSign Token is damaged or lost, who do I contact for assistance?

If your token is spoilt or lost, please report it immediately to PBe Customer Support at 03-2170 8000 or contact the
branch to have the token deactivated. A new token can be issued by the branch at no cost.
What is the transaction limit for DuitNow?

DuitNow transaction limit are as follows:
Transaction Authentication Process

Channels
PAC SecureSign Token
PBe / PB engage Up to RM10,000.00 per transaction Up to RM50,000.00 per transaction
and RM20,000.00 per day and RM50,000.00 per day
PB enterprise Not Applicable Up to RM10,000,000.00 per transaction
Can I change my password?

Once you are logged on to PBe, just click on "Profile Maintenance", followed by "Manage Profile". Next, select
"Change Password".
Is my password case sensitive?

Yes. Our internet banking system considers upper case and lower case to be different characters. This means if you
have registered your password as "passWORD", you must login by using "passWORD"; not "password" or
"PASSWORD".
Who can I contact for assistance if I have query about DuitNow service?
You can contact us at 603-2179 9999 from 6:00 AM to 12:00 midnight.
I cannot proceed even though I entered the correct Temporary ID. What should I do?
Your Temporary ID is only valid for 30 days. Kindly re-apply for a new PBe access at your account holding branch.
I only have a SecureSign Token. Do I need to register a PAC mobile number before I
can register for PBe?
No. During authentication, challenge codes will be displayed on the screen. You may enter the SecureSign Code
generated on your token to approve your PBe Registration.
Can I skip the PBe Registration and proceed to log in?

Customers who wish to access Online and Mobile Banking services must first complete PBe Registration.
Is my User ID case sensitive?

No. Your User ID is not case sensitive.
How do I create a strong password?

A strong password should include a combination of numbers, alphabets and special characters. Consider using a mix
of lower and uppercase letters, e.g. A@j6q4Le31
My Temporary ID is blocked. What should I do?

You have exceeded the number of attempts allowed. Please contact our PBe Customer Support at 03-2179 9999 for
assistance.
Can I change my User ID after completing PBe Registration?

No. Once your User ID has been created, it cannot be modified.
Can I change my Password and other personal details after completing PBe
Registration?
Yes, you can change your Password, Memorable Question, Personal Login Phrase and email address via Profile
Maintenance > Manage Profile.

Public Bank Berhad - FAQs

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Public Bank Berhad - FAQs

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10/25/23, 8:51 PM Public Bank Berhad - FAQs

Home / Personal Banking / FAQs

What can I do under "Profile Maintenance"?

(b) Change Password

(c) Change Personal Details

(d) Change of Third Party Transfer Limit / FPX Transfer Limit

(e) PBe Alert / Notification

(f) Change Credit/Debit Card info

(g) Change Personal Login Phrase

(h) Unregister PAC

(i) Add / Delete Account

(j) Challenge Questions Enrolment

(k) Change Challenge Questions

(l) Cancel ATM Card

(m) Manage Card Profile

Can I deposit cheque to my PB Sharelink account to settle purchase contracts?

How safe are transactions performed on PBe?

banking transactions remain confidential.

Rest assured, every transaction is fully secured.

I have exceeded the number of login attempts.

reset password by clicking here.

Do I need to enable cookies in my browser when using PBe?

Enabling cookies on an iPad and iPhone

ii. Scroll down and select “Safari”

iii. Turn OFF “Block All Cookies” option.

iv. Restart your iPad / iPhone

What is “To Own Account”?

How do I perform an Interbank GIRO (IBG)?

How do I perform Bill Payments?

ii. Click Bill Payment

iii. Click To Other Bill

v. Key-in the necessary information and confirm your payment

feature on your next bill payment.

What is Public Bank’s eIPO?

What is Public Bank’s eRights?

What can I do under the “Cheque Book Request” feature?

Can companies use PBe online banking?

of companies such as Sdn Bhd, Bhd and Partnerships.

How do I link my accounts to my PBe profile?

Accounts eligible to be linked include:

i. Savings / Current Account

ii. Fixed Deposit Account

iii. Gold Investment Account

iv. Foreign Currency Account

v. Share Link Account

vi. Loans Account

vii. Hire Purchase Account

viii. Credit / Debit Card

How to open an eFD Account?

ii. Click on Fixed Deposit

iii. Select PB eFD

iv. Click on Placement

v. Select From Account

vi. Click Open eFD Account

vii. Complete the FATCA Self-Certification and click Next

ix. Complete Data Protection Notice and Consent

x. Accept the Terms & Conditions

xi. Approve the transaction with PB SecureSign or SecureSign Token

xii. Verify details entered and click on 'CONFIRM' button

xiii. Click on “PB eFD Placement” button to make a placement

is operated by Payments Network Malaysia Sdn Bhd (PayNet).

How do I download and print GST Tax Invoice?

ii. Click Print GST Tax Invoice.