Bank Islam transfer limits and step-by-step on how to set, change and increase them

Bank Islam¹ offers various different ways to make transfers and payments, both domestically in Malaysia, and overseas. There is a Bank Islam limit on transfer values, which is used for customer security.

This guide looks at the limits which may apply to you, and how to increase a transfer limit at Bank Islam if you need to. We'll also introduce the Wise account, a handy companion to make your money go further with low, transparent fees.

What are Bank Islam transfer limits

Bank Islam has a default per-transaction limit set for customer transfers, which you may be able to adjust if you choose to. There’s also a daily limit on the total value you can transfer online and through the BIMB mobile app. This limit applies on various different payment types which are offered through Bank Islam digital services, and can not be increased.

Bank Islam transfer limits can apply on:

• Transfers made to another Bank Islam account in your name²
• Transfers made to your own Tabung Haji account
• Transfers made to your own credit card-i account, or to Bank Islam financing
• Transfers made to others through methods like IBG³, FPX, and Duitnow
• Telegraphic transfers made domestically or to foreign countries⁴

Customer daily limits for Bank Islam transfers

The default limits for Bank Islam transfers apply to digital transfers made through the Bank Islam online banking service, and through their BIMB mobile app. There are also limits on some services you can access in a branch, such as sending an IBG payment.

Here are the default customer daily limits on Bank Islam transfers made online and in the mobile app, as well as the maximum limits you can transfer daily:

*Details correct at time of writing - 26th September 2025

The limits used for payments made using other methods may be different. Here are the limits on payments made using non-digital methods:

*Details correct at time of writing - 26th September 2025

How to set Bank Islam online transfer limits

The Bank Islam online and mobile transfer limits are set to the default level, but can be altered if you would like to. You may want to set a higher per-transfer limit for convenience, for example - or a lower one to maintain security on your account.

Can I change the Bank Islam transfer limit

You can change some Bank Islam transfer limits from the default that has been set for you. You’ll be able to change your Bank Islam transfer limit in a branch, by calling the bank’s customer contact center, through the BIMB mobile app or online banking service, or at an ATM⁵.

Step-by-step guide to change your Bank Islam transfer limit

Here’s how to change the limit for Bank Islam online and mobile payments:

1. Log into your Bank Islam Mobile App
2. Tap Manage, and then Transactions
3. Tap Transaction Limits and select type of transaction you want to adjust
4. Move slider to the limit you want to use
5. Tap Save - you may be prompted to take a security step to complete the process

There’s a 12 hour cooling off period on the transaction limit change. This means that your limit will only actually change 12 hours after you adjust it in the app or online.

Increasing the transfer limit

If you’re thinking about changing your per transaction transfer limit with Bank Islam you’ll need to consider the balance of security and convenience, based on your transfer requirements.

Having a lower per transaction limit offers added protection against fraud - you’ll know that a criminal couldn’t initiate a large transfer from your account, which offers peace of mind. However, if you need to send relatively large payments frequently, having a higher limit may be more convenient for you.

Consider the pros and cons for your specific needs before you decide to increase your Bank Islam transfer limit.

What happens if a customer exceeds the Bank Islam maximum limit

If you’re making a digital transfer and hit or exceed the Bank Islam limit, you’ll get a notification saying the customer's maximum limit is exceeded. Bank Islam will then decline the transaction.

If you hit a Bank Islam limit which means you can’t complete a transaction, you can call into a branch to discuss your best options - or you can call the customer contact center on +603-26 900 900 instead⁶.

Manage and send multiple currencies with low fees and the mid-market rate with the Wise account

Wise international money transfers can be set up online or within the Wise app with low fees from 0.77% and the mid-market rate, to over 140+ countries. There’s no markup added to the exchange rate that’s used to convert your currency, which makes it easier to see exactly what you're paying for a transfer, and what the recipient will get in the end. Just transfer the amount indicated in MYR and let Wise do the rest.

Track your transfers easily when you create a free Wise account, and manage, hold, and convert your money in MYR and 40+ other currencies. You'll get the same great rates, and be able to track your transfers all from one place. As a bonus, you can also get 8+ local account details to be able to receive money in MYR, USD, GBP, and more.

🚀 Get Started with Wise

1. Bank Islam
2. BIMB product tables
3. Bank Islam - IBG
4. Bank Islam - fees and charges
5. BIMB FAQ
6. Bank Islam contact