To login to iRakyat, you need to visit the iRakyat login page at https://www.irakyat.com.my/ or open the iRakyat mobile app, with a valid username and password. Complete the authentication process, which may include a Transaction Authorisation Code (TAC) sent to your registered mobile number. If you are logging in for the first time, you will need a Temporary ID provided by Bank Rakyat.
If you forget your password, you can reset it by following the “Forgot Password” link on the login page. You will need to verify your identity through your registered email or mobile number to reset your password.
Sign In iRakyat
What Is iRakyat?
iRakyat is the official internet and mobile banking platform of Bank Rakyat, one of Malaysia’s leading Islamic cooperative bank / financial institutions. It provide customers with a secure and convenient way to manage their banking transactions online. The platform offer services, including fund transfers, bill payments, account management, and financing services. With encryption technology, iRakyat ensures that all transactions are secure and protected from unauthorized access. The platform is available 24/7, allowing users to perform banking activities at any time and from anywhere.
How Do I Register for iRakyat?
To register for iRakyat, you must first obtain a Temporary ID by contacting Bank Rakyat’s Contact Centre at 1-300-80-5454 (local) or +603-5526 9000 (overseas). Once you have your Temporary ID, you can proceed to register your iRakyat account online. Visit the iRakyat registration page and enter your Temporary ID along with other required personal details. You will then be prompted to create a username and password. After completing the registration process, you can use the same credentials to access both the online and mobile banking platforms. Note that the registration process is a one-time requirement, and you will not need to repeat it unless you deactivate your account.
What Are the Steps for First-Time Login?
For first-time login, you will need your Temporary ID and the password you created during registration. Visit the iRakyat login page and enter your Temporary ID and password. You will be prompted to set up additional security measures, such as a secure phrase or a security question. Once these steps are completed, you will gain full access to your iRakyat account. It is important to ensure that your contact details, such as your mobile number and email address, are up to date, as these will be used for authentication purposes, including sending TACs for transaction verification.
What Should I Do If I Forget My Password?
If you forget your password, you can reset it by clicking on the “Forgot Password” link on the iRakyat login page. You will be asked to provide your username and verify your identity through your registered email or mobile number. Once your identity is verified, you will receive instructions on how to reset your password. Follow the prompts to create a new password, ensuring that it meets the security requirements set by Bank Rakyat. After resetting your password, you can log in to your iRakyat account using your new credentials.
What Are the Key Features of iRakyat?
The key features of iRakyat include account management, fund transfers, bill payments, and financing services. You can view your account balance, transaction history, and account details in real-time. The platform also allows you to transfer funds between your own accounts or to third-party accounts, both within Bank Rakyat and to other banks. Additionally, you can pay bills, such as utility bills, telecommunication bills, and zakat payments, directly through iRakyat. The platform also supports DuitNow transfers, which allow you to send money instantly using just a mobile number or IC number. Other features include scheduling payments, setting up alerts, and managing your profile settings.
How Secure Is iRakyat?
iRakyat is highly secure, employing state-of-the-art encryption technology to protect user data and transactions. The platform uses multiple layers of security, including username and password authentication, secure phrases, and TACs sent to your registered mobile number. Additionally, iRakyat has a feature called iSecure, which provides an extra layer of security for high-risk transactions. The platform also monitors for suspicious activity and will temporarily lock your account if it detects any unusual behavior. To further enhance security, Bank Rakyat recommends that users regularly update their passwords and avoid sharing their login credentials with anyone.
What Are the Transaction Limits on iRakyat?
The transaction limits on iRakyat vary depending on the type of transaction. For intrabank fund transfers, the daily limit is RM30,000 for third-party accounts and unlimited for transfers to your own accounts. For interbank transfers using the Interbank Giro (IBG) system, the daily limit is RM50,000. DuitNow transfers also have a daily limit of RM50,000. These limits are in place to protect users from potential fraud and unauthorized transactions. If you need to increase your transaction limits, you can contact Bank Rakyat’s customer service for assistance.
How Do I Update My Profile on iRakyat?
To update your profile on iRakyat, log in to your account and navigate to the “My Profile” section. Here, you can update your personal information, such as your email address, mobile number, and secure phrase. You can also change your password and set your daily transaction limits. It is important to keep your profile information up to date, as this will ensure that you receive important notifications and alerts from Bank Rakyat. If you encounter any issues while updating your profile, you can contact Bank Rakyat’s customer service for assistance.
What Are the Fees and Charges for Using iRakyat?
The fees and charges for using iRakyat depend on the type of transaction. Intrabank fund transfers are free of charge, while interbank transfers using the IBG system incur a fee of RM0.10 per transaction. DuitNow transfers are free for transactions below RM5,000, but a fee of RM0.50 is charged for transactions above this amount. Alert notifications sent via SMS cost RM0.20 per message. These fees are subject to change, so it is advisable to check the latest fee structure on the Bank Rakyat website or contact customer service for the most up-to-date information.
What Should I Do If I Encounter Issues with iRakyat?
If you encounter issues with iRakyat, such as login problems or transaction errors, you can contact Bank Rakyat’s customer service for assistance. The bank offers several support channels, including a 24/7 Contact Centre at 1-300-80-5454 (local) or +603-5526 9000 (overseas). You can also visit a Bank Rakyat branch for in-person assistance. Additionally, the iRakyat platform has a “Frequently Asked Questions” (FAQ) section that provides answers to common issues. If the problem persists, you may need to reset your password or update your app to the latest version.
How Do I Use iRakyat for Bill Payments?
To use iRakyat for bill payments, log in to your account and navigate to the “Payment Services” section. Here, you can select the type of bill you wish to pay, such as utility bills, telecommunication bills, or zakat payments. Enter the required details, such as the biller’s name and account number, and confirm the payment. You will receive a TAC on your registered mobile number to authorize the transaction. Once the payment is processed, you will receive a confirmation message. You can also schedule recurring payments for bills that you pay regularly, such as electricity or internet bills.
Can I Use iRakyat for International Transfers?
iRakyat does not currently support international transfers. However, you can use the platform to initiate a telegraphic transfer through Bank Rakyat’s remittance services. To do this, you will need to visit a Bank Rakyat branch and provide the necessary details, such as the recipient’s bank account information and the amount to be transferred. The bank will then process the transfer and provide you with a reference number for tracking purposes. For more information on international transfers, you can contact Bank Rakyat’s customer service or visit their website.
What Are the Benefits of Using iRakyat?
The benefits of using iRakyat include convenience, security, and a wide range of banking services. The platform allows you to manage your finances from anywhere, at any time, without the need to visit a bank branch. You can perform a variety of transactions, such as fund transfers, bill payments, and account management, with just a few clicks. The platform is also highly secure, with multiple layers of protection to safeguard your data and transactions. Additionally, iRakyat offers features such as DuitNow transfers and scheduled payments, which make banking more efficient and hassle-free.
How Do I Set Up Alerts on iRakyat?
To set up alerts on iRakyat, log in to your account and navigate to the “Alerts” section. Here, you can choose the types of alerts you wish to receive, such as transaction notifications, account balance updates, and payment reminders. You can also specify how you want to receive these alerts, such as via SMS or email. Setting up alerts is a useful way to stay informed about your account activity and to detect any unauthorized transactions. If you no longer wish to receive alerts, you can disable them at any time through the same section.
What Are the System Requirements for iRakyat?
The system requirements for iRakyat depend on whether you are using the online platform or the mobile app. For the online platform, you will need a compatible web browser, such as Google Chrome, Mozilla Firefox, or Safari, and a stable internet connection. For the mobile app, you will need a smartphone running iOS 12.1 or later or Android 5.0 or later. The app is available for download from the Apple App Store and Google Play Store. It is recommended to keep your app updated to the latest version to ensure optimal performance and security.
How Do I Contact Bank Rakyat for iRakyat Support?
To contact Bank Rakyat for iRakyat support, you can call their 24/7 Contact Centre at 1-300-80-5454 (local) or +603-5526 9000 (overseas). You can also visit a Bank Rakyat branch for in-person assistance. Additionally, the bank offers an online support portal where you can submit queries and receive assistance via email. The iRakyat platform also has a comprehensive FAQ section that provides answers to common questions and issues. If you prefer self-service options, you can use the iRakyat app or website to manage your account and resolve minor issues.