Category Product: Digital Banking

AGRONet (Retail Internet Banking)

With AGRONet, our personal customers can do most of their banking online in real-time, when and where it suits. That could be at home, at work or anywhere in the world with internet access.

AGRONet is available 24 hours daily.

 

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Features at a glance

Below is an outline of AGRONet easy-to-use retail internet banking services

    • Checking account balances
    • Read and download statement details
  • View your financing details
  • Transfer money between your own Agrobank account
  • Transfer money to a 3rd party Agrobank account
  • Transfer money to other Banks
  • Pay your bills to the available payee corporations
  • Make one-off payments or register your favourite payee from the list
  • Set your transactions limit
  • Receive notification from the Bank through our built-in message system
  • Block your ATM card
  • Purchase your Takaful via online
  • Direct link with SARMS Portal to view rewards
  • Contribute to Tithe easily to most of the Tithe states organizations
  • Set your transaction by using the SI facility to ensure a constant flow of transactions.


How much does it cost?
It costs nothing to join and there is no monthly or annual fee. All you will pay are the transaction fees based on selected transactions. Managing your money through internet banking is generally cheaper than through manual or branch transactions. It can also be quicker and more convenient.

How to Register

New to Agrobank?
First, visit any Agrobank branch near to you. Open an account and get yourself an ATM card. Once that’s done, simply log on to www.agronet.com.my and click on Register an Account. Follow the instructions, call 1 300 88 2476 (Press 3) for activation, and you are good to go.

Existing Agrobank Customer?
Joining Agronet Retail Internet Banking is easy. Just log on to www.agronet.com.my or call 1 300 88 2476 (Press 3) for further inquiry and personal guidance by our Contact Centre personnel.

 

Security Challenge Question

The security challenge question is additional security feature which will be applicable for verification purposes when the customer performs a transaction via AGRONet.

RIB FAQ SECURITY CHALLENGE QUESTION_ENGLISH

 

Frequent Asked Question (FAQ)

Frequent Asked Question for AGRONet customer

Latest AGROKey Activation Process

ONLINE BANKING SAFETY TIPS

 

 

AGRONetBIZ (Business Internet Banking)

Business Internet Banking or known as AGRONetBIZ is an online banking service that uses the Ujrah shariah concept for businesses or non-individual customers such as companies, associations, clubs and organizations or government bodies registered under the Companies Act of Malaysia. 

The company must have an active business company deposit account with Agrobank.

AGRONetBIZ enables corporate and commercial customers to conduct financial transactions on a secure website operated by the bank.

To log in to the AGRONetBIZ service, the customer will browse the bank’s website, and access the online banking facility using the customer’s personal username and password.

Once logged in, customers can perform various banking transactions without having to go to the bank.

There are two (2) types of access available for AGRONetBIZ, namely:

  • Inquiry Access – To check account balances only.
  • Transactional Access – FULL Access (View, Execute and Approve transactions)

 

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Services

AGROSecure (Mobile Token)
– AGROSecure application is a safer and more convenient way to authorise AGRONetBIZ transactions.
– Customer is required to key in the Registration Code and TAC number within 300 seconds during AGROSecure activation.
– Customer is required to key in Challenge Respond Code within 80 seconds to approve or reject transaction for authentication purposes.

Note: Customers are advised to wait until a new timer is generated if the registration code is approaching its end time.

Account Inquiry
– Displays detailed details of the customer’s Savings / Investment / Financing Account, Transaction History and AGRONetBIZ Transaction History.

Money Transfer
– Allow customers to transfer money from their Agrobank account to another account as per the option below:
i. Transfers to own accounts and third-party accounts of Agrobank
ii. Interbank Transfer (IBG)

Bill Payment
– Allows customers to pay bills to existing payee companies and register bills of their choice for an easier payment process in the future.

Approval
– Allow customers with Approver access to approve or cancel any financial transactions executed by the Initiator.

Internet Banking Services Management
– Can only be accessed by customers appointed as Corporate Administrators. The function of a Corporate Administrator is to manage the access of their Users (Reviewers, Beginners and Approvers).

Profile Management
– Allows customers to manage account profiles such as changing Passwords

Message Box
– Allows customers to receive notification messages sent by the bank.

Adjustment Report
– Facilitate the monitoring of transaction reports from when the confirmations made.

Bulk Payment
– Combine payments that have a large number of transactions in one payment file

Payroll
– Dealing with the payment of employee salaries
– LHDNM, SOCSO, EPF

Standing Instructions (SI)
– Fixed instruction facility to ensure smooth transaction flow

Takaful
– Facilitate the purchase of Takaful

e-Statement
– Review and download your e-statement.

Payment of Zakat
– Zakat contributions can be made more easily to zakat organizations

SARMS Portal
– Sahabat Agro portal for customers who registered with Sahabat Agro

Note: Any changes to the services specified are subject to the Bank’s discretion.

Fees & Charges

Establishment / Access Fees

Establishment (one -time payment) FREE
On-site Training  FREE
Yearly Payment (Inquiry Access) FREE
Yearly Payment (Transactional Access) RM120.00

Transactional Payment (each transaction)

Fund Transfer To Own Account FREE
Fund Transfer To Third Party FREE
Interbank GIRO Transfer (IBG) RM0.10
Bill Payment RM1.00

Note: The Bank will send at least 21 days notice to the customer before any changes are made to the fees and charges.


Transaction Limit for AGRONetBIZ are as follows:-

Transaction Limit

Fund Transfer To Own Account No Limit
Fund Transfer To Third Party

RM500,000.00
Interbank GIRO Fund Transfer (IBG)

RM500,000.00
Bill Payment 

No Limit

* If you need a higher transaction limit, please call Agrobank Contact Centre 1-300-88-2476 for more information.

Application Form

  1. CLICK HERE TO DOWNLOAD AGRONetBIZ APPLICATION FORM
  2. CLICK HERE TO DOWNLOAD AGRONetBIZ MAINTENANCE FORM

User Guide

  1. AGRONetBIZ customer using Security Token
  2. AGRONetBIZ e-Welcome Pack (2023-2024) Summary
  3. AGRONetBIZ e-Welcome Pack (2023-2024)

FAQ

Frequent Asked Question AGRONetBIZ Security Challenge Question

Frequent Asked Question AGROSecure (Mobile Token)

Frequent Asked Question AGRONetBIZ

Mobile OAO (Online Account Opening)

Agrobank’s Mobile OAO (Online Account Opening) service enables customers to conveniently apply for a deposit account using their smartphone through an entirely digital process.

Info

Follow these simple steps to open your account online using your smartphone:

  • Scan the QR code to download your AGRONet app.
  • Click on the “Mobile Online Account Opening” icon.
  • Follow the on-screen instructions to complete your account opening process.

Eligibility

  • Malaysian Citizen with a valid MyKad.
  • 18 years old and above.
  • Smartphone with internet access and a working camera.
  • An existing personal bank account registered in Malaysia for initial deposit payment.

Account

Type of Account offered:

Saving/Giro Accounts:

  • AgroTani-i PLUS – Minimum deposit of RM20.00
  • Agro Perdana-i – Minimum deposit of RM20.00

Term Deposit:

  • Term Deposit – Agro PrimaS with a minimum deposit of RM500.00

Note:

  • Enrollment in Sahabat Agro Membership requires opening both a Savings/Giro account and a Term Deposit account. An initial deposit is required to open any of these accounts.

Scam Alert – Stay vigilant and protect yourself from fraud.

  • Watch BNM’s financial fraud alert video on mule account scams by clicking here
  • For more scam awareness videos, visit BNM’s Official YouTube channel.
  • If you suspect you are a scam victim, call 997 within 24 hours to reach the National Scam Response Centre (NSRC).

For inquiries about Mobile Online Account Opening, please contact the Agrobank Contact Centre at 1 300 88 2476 (AGRO).

Download e-flyers

Product Disclosure Sheet (PDS)

Terms & Conditions (T&C)

Terms & Conditions of eKYC (T&C)

Frequently Ask Questions (FAQ) for Mobile OAO (Online Account Opening)

DuitNow Auto Debit

DuitNow Auto Debit allows businesses to collect recurring payments based on consent given by customers.

DuitNow Auto Debit Consent Registration is the process where you authorize a merchant to automatically collect recurring payments from your registered bank account.

 

How Does It Work

1) One-off Consent

Businesses send a one-off consent request via their own channel to customers. At the same time, customers approve the consent request at their respective online banking.

OR

Provide Consent

Customer initiates the service themselves by providing consent to merchants for DuitNow AutoDebit at the merchant’s platform or their own online banking.

2) AutoDebit

Businesses or Biller debit customer’s account on a recurring basis according to consent provided by their customer.
What can be performed in internet banking
  • Register New Consent
  • View Registered Consent
  • Maintain Registered Consent
How Does it Benefit You As A Merchant

1) Hassle-Free

Connect to only one acquirer and collect payments from your customers’ mobile, IC, MyKad, passport number from any Banks or eWallet in Malaysia.

2) Easy Reconciliation

DuitNow AutoDebit reduces issues arising from incorrect payment data from customers. It also allows businesses to provide a fast and easy payment experience.

3) Features that add value

This service offers customers a one-off consent registration request to collect funds on recurring or ad-hoc basis. It also helps with data storage issues (customers’ account details).

Frequent Asked Question (FAQ)

Frequent Asked Question

AGROAgent (Agent Banking Services)

AGROAgent are authorized banking agents appointed by Agrobank that provides agent banking services of accepting deposits, facilitating withdrawals, fund transfers, bill payments and mobile top-ups. AGROAgent is developed specifically to address the difficulty of obtaining quality banking services, especially for people in remote and rural areas.

These services are offered through selected agents nationwide in retail premises equipment using e-POS terminal technology.

 

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Concept

The syariah concept used for AGROAgent is based on the Wakalah Bi-Ujrah. This concept refers to the representation contract between Agrobank and Agents Agrobank which the Agents act as representatives of the Bank to open the Agent Banking counters for Agrobank by offering services that are agreed to by both parties. The Bank will pay certain wages to the appointed agents for the work done.

Vision:
Being a leader and preferred service Banking Agents


Mission:
Leading the effort to provide services to customers in rural areas through:

  • Service Agent Banking comprehensive, easy to use and effective
  • Being Bank, which is spearheading efforts to expand banking services in rural areas
  • Become a Bank of choice for the agricultural sector, rural and underserved areas of banking services


AGROAgent advantages:

  • Easy access
  • More concentrated in rural areas with a location close to the placement of customer
  • Flexible operating hours (9 am to 9 pm daily)
  • Banking transactions easier and uncomplicated, especially with the help of a trained agent
  • Cost-effective and time required for the bank premises outside settlements


Services we offer:

  • Cash withdrawals
  • Transfer of funds between accounts
  • Cash Deposit
  • Payment of bills
  • Mobile top-ups
  • Financing Payment
  • Mini Statement

Transaction Limit

Type of Services

Maximum Amount (RM) per transaction 

Maximum Amount (RM) (Daily)

Maximum Number of Transactions (Daily)

Cash Withdrawal

500.00

1500.00

3 Times

Cash Deposit

500.00

1500.00

3 Times

Fund Transfer

3000.00

9000.00

3 Times

Bill Payments

500.00

1000.00

4 Times

Prepaid Reload

150.00

500.00

No Limit

Financing Payment

No Limit

No Limit

No Limit

Mini Statement

No Limit

No Limit

No Limit

 

Frequently Asked Questions

What is Agrobank Agent Banking services?

An alternative banking channels by Agrobank for residents of rural and suburban areas with no / little access to banking services.

 

How is the banking services carried out?

  • Through these banking services, Agrobank will appoint a representative / agent selected authorized to carry out banking transactions on behalf of Agrobank.
  • Transaction will be keyed-in using the POS terminal.
  • Online management using AGRONet.

 

What type of services does it offer?

Basic banking transactions such as deposits, withdrawals and transfers of funds can be done on site Agrobank Agents.

 

Does this service use Shariah-compliant banking?

  • Yes, this service is Shariah-compliant banking. Shariah concept used is Wakalah Bi-Ujrah.
  • Wakalah Bi-Ujrah refers to the representation contract between Agrobank and AGROAgents, in which the agent acts as a representative to the Bank by opening AGROAgent banking counters for Agrobank by offering services that are agreed to by both parties.
  • The Bank will pay certain wages to the appointed AGROAgents for the services.

Are any service charges charged to customers for the banking channel?

Agrobank not charge any service to the customer for this banking channel.

 

Where can these Agrobank banking agent be found?

  • Agents can be found in the locations of the premises featuring the ‘Bank Agrobank Registered Agent’.
  • Address where the agent is also available at Agrobank website.

 

Are banking services offered are guaranteed safe from any form of intrusion data / personal information?

Yes, Agrobank assures data security / personal customer information is protected and safe from invasion. Meets the requirements of the security level is set by Bank Negara Malaysia.

 

Are there any transaction receipts issued as evidence of completion of a transaction?

Yes, the POS terminal will print 2 copies receipt of the transaction. One copy to the agent and another copy for the customers.

 

Does the reversal banking services allowed for this?

No. ‘Reversal’ banking is not allowed to be made in the system.

 

Are there limitations in the number of business banking services?

Yes. Number of transaction that can be implemented in POS terminal is as follows;

Type of Services

Maximum Amount (RM) per transaction

Maximum Amount (RM) (Daily)

Maximum Number of Transactions (Daily)

Cash Withdrawal

500.00

1500.00

3 Times

Cash Deposit

500.00

1500.00

3 Times

Fund Transfer

3000.00

9000.00

3 Times

Bill Payments

500.00

1000.00

5 Times

Prepaid Reload

150.00

500.00

No Limit

Financing Payment

No Limit

No Limit

No Limit

Mini Statement

No Limit

No Limit

No Limit

 

Where can I find more information on the Agrobank Agent Banking?
Please visit your nearest Agrobank branch or contact :

Financial Inclusion & Community Banking Section
2nd Floor, Menara Agrobank, Leboh Pasar Besar,
Peti Surat 10815, 50726 Kuala Lumpur

Where can I find the support service for the banking services of the Agrobank agents?

Please contact AGROBANK CONTACT CENTRE
Hotline: 1-300-88-2476 (AGRO)
From abroad: + 603-20790600
Email: customer@agrobank.com.my
Fax: 03-26917790

Location of AGROAgent

List of AGROAgent (upcoming)