Customer Service & Treat Customer Fairly Charters

Customer Service


The Customer Service Charter (first introduced in 2011) was set up with the intention to outline key commitments and service standards for all banks when providing service to customers.

It sets out our commitment in delivering a high standard of customer service. It outlines the type of service we aim to provide, how to contact us and give us feedback particularly if anything goes wrong and how you can assist us to serve you better.



Pillar 1: Know Your Customer


DescriptionExpected Outcome

To understand the customer profile that enables the bank to:

  • Anticipate the customer’s needs and preference.
  • Offer products and services as per his/her requirements.


NoCommitmentService Standards


We strive to help customer find the right product to suit his/her need/profile.

  1. Knowledgeable staff is available to serve customer.

  2. Customer’s information is gathered during new account opening process to get to know the customer, which may include the completion of banking forms and asking for supporting documents.

  3. Information on features and fees for the various products and services is available to customer through various channels (i.e. branch/brochures/contact centre/bank’s website).

  4. The bank conducts periodic customer satisfaction feedback/surveys to ensure that customer’s needs are fulfilled.


Pillar 2: Timely & Efficient Service


DescriptionExpected Outcome

Deliver a seamless basic/general banking services wherein the customer is aware of:

  • Time that will be taken.
  • Broadly, the steps involved in executing their instructions.


Service Level Target
80% of the customers are served within the expected service level.


NoCommitmentService Standards


We will set a clear expectation on time taken for various services.

  1. Information on time taken to deliver services to customer i.e. expected service standard is made available through various channels (i.e.branch/brochures/contact centre/bank’s website).


We will serve customers promptly at our branch counter service.

Customer Waiting Time:
Within 10 minutes.

Customer Serving Time:

  • Within 5 minutes for simple transactions e.g. single transaction, cash withdrawals.
  • Within 20 minutes for complex transactions e.g. Remittance/FD Transaction.


We will efficiently attend to account applications at our branch counter service.

Account Application Turnaround Time
(From full documents and information received).

  1. Open Basic Savings Account/Basic Savings Account-i.

    • New Customer: within 15 minutes.
    • Existing Customer: within 10 minutes.

  2. Open Basic Current Account/Basic Current Account-i

    • New Customer: within 20 minutes.
    • Existing Customer: within 10 minutes.

  3. Close Account Turnaround Time
    • Basic Savings Account/Basic Savings Account -i: within 10 minutes.
    • Basic Current Account/Basic Current Account-i: within 20 minutes.

Note: This does not take into account onboarding process – banks have their own onboarding process/introduction to banks’ products and services.

Issuance of ATM or Debit Card.
Within same business day of opening savings account.


We will efficiently attend to banking transactions.

Executing a foreign currency remittance 
(Commonly used currencies: USD, EUR, GBP, SGD, IDR, JPY, AUD, NZD, HKD, CAD)

  1. Inward – depending on the cut off time.

    • Before cut off time: credited on the same day.
    • After cut off time: credited on next working day.

  2. Outward – processing time depending on the cut off time.

    • Before cut off time: processed on the same day.
    • After cut off time: processed on next working day.

Note: The date of receiving funds subject to completeness of information and extent of checks/due diligence performed by individual banks.


We will efficiently attend to product applications.

Product Application Turnaround Time. 
(From full documents and information received by the bank)

  1. Credit Card Application: Within 3 working days + time taken to post the card.
  2. Mortgage Loan/Financing Application (individual):
    Within 5 working days.
  3. Loan/Financing Application (Small and Medium Enterprise - SME): Within 3 weeks.



We will follow through and provide the requisite updates to customer’s queries.


a. Phone

  • Where no follow up is required – Immediate such as first call resolution.
  • Where follow up is required – Within 3 working days from date of 1st call.
  • Where enquiry is complex, bank will provide a reasonable timeframe and keep the customer updated accordingly.

b. Written (Email, fax, letter, social media)

  • For e-mail

    1. Provide acknowledgement response automatically/within 24 hours (if the email is addressed to
    2. Respond within 5 working days from date of receipt of enquiry.

  • For letter or fax
    1. Provide timeframe and keep customer updated upon receipt.

  • For social media (where applicable)

    1. Provide acknowledgement response within 24 hours if it is a working day. Otherwise, the acknowledgement response will be on the working day which follows.
    2. Respond within 3 working days from date of receipt of enquiry if enquiry is not complex.

Note: Where enquiry is complex, bank will provide a reasonable timeframe and keep the customer updated accordingly.

c. Counter

  • Where no follow up is required, bank will endeavour to provide first touch point resolution immediately.
  • Where follow up is required – within 3 working days from date of 1st visit.
  • Where enquiry is complex, bank will provide a reasonable timeframe and keep the customer updated accordingly.
2.7 We will address customer’s complaints/issues consistently and promptly.
  1. Acknowledge customer’s complaints/issues within 24 hours of a working day.
  2. Communicate clearly on the complaint/issue.
  3. Address the complaint/issue in an equitable, objective and timely manner by informing customer on bank’s decision no later than 14 calendar days from the date of the receipt of the complaint.
  4. Keep customer updated if unable to address issues within the stipulated timeframe.
  5. Provide information on escalation to higher alternative avenues if the queries are not to the customer’s satisfaction at first instance.

Note: Complaints management is governed by the guidelines spelt out by Bank Negara Malaysia (BNM) and banks will operate accordingly.


Pillar 3: Transparent & Personable Service


DescriptionExpected Outcome

Endeavour to deliver the customer experience wherein the customer:

  • Is given access to products and services related information.
  • Is handled by competent and knowledgeable staff who will strive to provide good service.


NoCommitmentService Standards


We are open and transparent in our dealings.

The following Information is made available through any of the various channels of communication such as branch/brochures/contact centre/bank’s website:

  1. Fees, charges, penalties and relevant interest rates and obligations in the use of a banking product or service.

  2. Product related details (i.e. product disclosure sheets, terms and conditions) are shared at the point of sale.


We train our bank personnel to have adequate knowledge to advise and assist customers on banking products and services.

Sales personnel/Personal Financial Advisor/ Relationship Manager is knowledgeable about the bank’s products and services.


We provide customers a personable service experience.

  1. First Impressions

    • Acknowledge customer when customer walks in/approaches the bank counter.
    • Offer to assist the customer.

  2. Understand the customer’s needs

    • Ask questions to understand what the customer wants.
    • Listen attentively to customer.

  3. Handle the queries/instructions

    • Provide options that meet customer’s needs.
    • Use simple words and explanations with the customer.
    • Perform end to end follow-up until customer’s issue is resolved.


Pillar 4: Banking Made Accessible


DescriptionExpected Outcome

Offer an engagement model wherein the customer is aware of:

  • Multi-channel options
  • Accessibility


NoCommitmentService Standards


We are easily accessible via various channels i.e. physically & virtually.

Customer is kept informed on the physical and virtual channels available to him/her, using the various modes of communication such as branch/ brochures/contact centre/bank’s website.

Specifically, the customer has access to the following:

  • List of physical channels which include branches & self service machines.
  • List of virtual channels which include contact centre (03-26128121) and internet banking (

Note: Channel availability may vary from bank to bank and customer will be informed of the same.


We provide customers with efficient services via our virtual platforms outside of normal banking hours.

Strive to ensure that our channels meet the following target service levels:-

  • Self service terminal (service uptime/month) – at least 95% of the time measured by machines uptime on a monthly basis.
  • Contact centre – At least 80% calls are to be answered within 45 seconds.
  • Internet banking (service uptime/month) – 98%.


We inform customers on the various options for more convenient banking.

Share with the customer the various options for performing transactions through alternate channels, depending on the banks channel presence and where applicable. 

This can be done via any of the following means:

  • Engagement by the bank personnel.
  • Signage to guide the customer.
  • Campaigns and brochures.
  • Corporate website.


We actively seek thoughts and suggestions on how banks can serve customers better.

Provide channels for customer to render feedback via:

  • Corporate website/Internet banking(
  • Contact Centre (03-2612 8121).
  • Branch (customers will be notified of location of branches via bank’s website).
  • Periodic customer satisfaction surveys.

Bank Negara Malaysia (BNM) and Ombudsman for Financial Services (OFS) details are included as alternate avenues (please click here).

Treat Customer Fairly

The Chairman, the Board and senior management are committed to deliver fair outcomes for our customers by putting our customers at the heart of everything we do. We are committed to providing clear and honest advice, making sure that the financial products we offer are right for our customers. We believe in providing fair outcomes as it helps us build and foster long-term relationships with our customers. This Charter sets out our commitment by applying the following principles:-

Embed fair dealing into our institution’s corporate culture and core values

  1. We will set minimum standards on fair business practices in all dealings with our customers. This includes providing financial services or products suitable to our customers’ financial requirements and preserving the confidentiality of our customers’ information;
  2. We will train all staff attending to customers to provide quality advice and recommendation;
  3. We will take customers’ feedback seriously and provide immediate constructive feedback to our staff.


Fair & transparent terms

  1. We will ensure that the terms in our contracts or agreements are fair, transparent, and clearly communicated to customers;
  2. We will ensure that terms and conditions set out the respective rights, liabilities and obligations clearly and as far as possible in plain language;
  3. We will ensure that the terms and conditions in contracts or agreements are not altered without prior notification to customers.


Clear, relevant and timely information on financial services and products

  1. We will provide customers with relevant and timely information in a product disclosure sheet;
  2. We will disclose key product features, fees and charges, risks and benefits in a clear and concise manner;
  3. We will ensure critical terms are brought to customers’ attention and explained to the customers.


Exercise due care, skill and diligence when dealing with customers

  1. We will conduct sales, advertising and marketing of our financial services and products with integrity and will not make false or exaggerated claims;
  2. We will avoid or clearly disclose actual or potential conflicts of interest;
  3. We will ensure staff remuneration takes into consideration whether key performance indicators relating to fair treatment of customers have been achieved.