allianceonline PERSONAL is our internet banking service which provides you with a multitude of banking and financial services 24 hours a day, seven days a week. With allianceonline PERSONAL, you will have the convenience of banking on your own PC from anywhere, anytime via Internet.

allianceonline PERSONAL is designed for ease of use. No reading or memorising any manuals, all you have to do is point to any banking service, click the mouse and allianceonline PERSONAL will do the rest.

What you'll enjoy...

• Ability to conduct numerous banking transactions - you can apply new accounts, check real time account balances, transfer funds, remit payments, pay your bills, request for new cheque books, plus many more
• Interbank Giro Fund Transfer - you may transfer funds to any savings/current account of participating banks.  
• Free bill payment service - there are currently a total of more than 70 payee corps you can pay via allianceonline PERSONAL from any of your bank accounts. 
• Access to up-to-date information - you may inquire up-to-date Alliance Bank interest rates
• Share Trading - perform Online Share Trading* via our Alliance Stockbanking which includes buying and selling of shares, maintaining own portfolio, automatic settlement as well as full access to trading and historical activities.    
  * only for those who are eligible
  

To qualify...

• All Alliance Bank customers with a Current and/or Savings Account aged 18 years and above
• Sole Proprietors
  

Security...

A Login name, user ID and PIN will be assigned to you for security and authentication purposes.

Confidentiality of transactions is handled and maintained by a 128-bit encryption (USA standard) process which encrypts and protects the data by scrambling and making it unreadable other than yourselves. The transactions conducted cannot be altered or tampered with. In addition, an electronic receipt with unique reference number is generated for every financial transaction for your reference and proof of origin and delivery as well as kept on electronic file for your review at any time.

Hardware and Software requirements...

You can access allianceonline PERSONAL service with an internet ready personal computer running MS Internet Explorer (5.5 or later) or Netscape (4.08 or later) Internet browser.

Charges...

This service is FREE. There is no subscription or monthly fees.

For more details, please call eBanking at 03-5516 9988 (during banking hours), or fax us at 03-5621 5624, or email us at online@alliancebg.com.my

1. What is allianceonline PERSONAL?
   • allianceonline PERSONAL is a service providing direct access to your accounts as well as information services via the Internet. It is available to individuals and sole proprietors who are customers of Alliance Bank.
     
     
2. What do I need to get started?
   • A current and/or savings account with Alliance Bank. For joint account holders, the signing condition must be set to "either one to sign".
   • To access, we recommend that you use the 128-bit encrypted version of Netscape Navigator 4.08 or Netscape Communicator 4.7/later versions, or Microsoft Internet Explorer 5.5/later version.
     If you do not already have one of these browsers, please click at the link to download the latest version of Netscape or Microsoft browser.
     Find out more about encryption and browser below.
     
     
3. What are the services available?
   • Check current balances
   • Transfer funds between own, designated and undesignated third party accounts.
     Enhanced features such as reference ID and description, enables you to track the source and purpose of the transfer
   • Interbank Giro Fund Transfer between participating banks
   • Pay bills
   • Purchase remittances
   • Stop payment of cheque
   • Request for cheque book and bank statement
   • Download transaction history of the last three months for reconciliation purpose
     
     
4. What is Interbank GIRO Fund Transfer?
   • With the IBG facility, you have the convenience of transferring funds to participating banks.
   • Fund transfer facility for amount up to RM100,000 (effective August 11, 2003) to any account held in participating banks of your choice at a nominal fee of RM1 for every transaction
     
     
   Participating Internet Giro Banks
   • Affin Bank Berhad
   • Alliance Bank Malaysia Berhad
   • AmBank Berhad
   • Bank Islam Malaysia Berhad
   • Bank Kerjasama Rakyat (M) Berhad
   • Bank Muamalat Malaysia Berhad
   • Bank Simpanan Nasional Berhad
   • Bank Simpanan Nasional SPI
   • CIMB Bank Berhad
   • CIMB Islamic Bank Berhad
   • Citibank Malaysia Berhad
   • Deutsche Bank (Malaysia) Berhad 
   • EON Bank Berhad
   • HSBC Bank Malaysia Berhad
   • HSBC Bank Malaysia Berhad SPI
   • Hong Leong Bank Berhad
   • Malayan Banking Berhad
   • Malayan Banking SPI
   • OCBC Bank (M) Berhad
   • OCBC Bank (M) Berhad SPI
   • Public Bank Berhad
   • Public Bank SPI
   • RHB Bank Berhad
   • RHB Islamic Bank Berhad
   • Standard Chartered Bank
   • Standard Chartered Bank SPI
   • United Overseas Bank (Malaysia) Berhad
     
     
5. What does it cost?
   Subscription to allianceonline PERSONAL is FREE of any access fee or monthly service charge.   
   
   
6. What are the benefits of using allianceonline PERSONAL?
   • It's FREE
   • Online Desktop Share Trading - for eligible applicants
   • Convenience - you can perform your transaction from the convenience of your home, office or anywhere you can gain access to the internet, thus saving time and cost.
   • Proof of delivery - every transaction successfully sent to Alliance Bank will be acknowledged by a transaction reference number, displayed onscreen immediately.  
     
     
7. Can I access both my personal and sole proprietor accounts?
   Separate application and PINs are required for access.   
   
   
8. Can I view online my historical account activity prior to my subscription of allianceonline PERSONAL?
   You can view or download historical activity of your account of the last three months.   
   
   
9. What precautions can I take to protect my PIN?
   Whilst we use the latest encryption technology and a variety of security measures, you too, have a part to play.
   
   We advise that you:
   • do not write down your PIN anywhere; memorise them
   • do not disclose your PIN to anyone, including Alliance Bank employees
   • keep all records of such PIN safe and secure at all times
   • notify us immediately of any discrepancy, error or suspicion that security has been breached
     
     
10. What happens if I get disconnected in the course of sending an instruction to Alliance Bank? How will I know if the instruction has been effected?
    We advise that you reconnect to the Internet to confirm the status of the transmission under eTransaction History and check your account balance.   
    
    
11. What are the other domain addresses for access to your website?
    You may only access our website via www.alliancebank.com.my.
    
    For more details, please call your nearest Alliance Bank Malaysia Berhad branch or email us at online@alliancebg.com.my. 
    

1. What is encryption?
   Your online banking session - from your PIN/password to your instruction to pay a bill - becomes a string of unrecognisable numbers (coded language) before entering the Internet, i.e. your account information will read as gibberish to all but you and Alliance Bank.
   
   Both our computers and your browser understand the mathematical formulas or algorithms which serve as door-locks on your account information that turn your banking session into numeric code and back again into meaningful information.
   
   High or b encryption (128-bit) is exponentially more powerful than standard encryption (40 or 56-bit).   
   
   
2. What type of encryption do we need?
   To conduct online banking with Alliance Bank, the high 128-bit encryption that comes with the following browsers is recommended:
   • Netscape Navigator 4.08 or later version
   • Netscape Communicator 4.7 or later version
   • Microsoft Internet Explorer 5.5 or later version

1. What is a Browser?
   A browser is the software that enables you to visit Web sites and view Web pages on your computer screen. Your browser knows how to turn programming instructions sent over the Internet into a meaningful Web page, without which you will not be able to read the material or view the accompanying graphics.
   
   Browsers offer varying degrees of security in encryption. At Alliance Bank, we evaluate browsers to ensure they provide the encryption level required, i.e. 128-bit to secure online banking through the Internet.   
   
   
2. How do we know if our banking session is encrypted?
   To determine if encryption is being used on a Web page, locate the following icons in the lower portion of your browser:
   
   
   
3. What are your recommended browser versions?
   We recommend that you use the 128-bit encrypted version of the browsers listed above.