5 simple steps to transfer money with irakyat duitnow

5 Simple Steps to Transfer Money with iRakyat DuitNow

DuitNow is a convenient service that enables instant money transfers using various identifiers such as mobile numbers, NRIC, passport numbers, or business registration numbers, without the need for bank account details.

Bank Rakyat customers can access this feature through iRakyat, the official online banking portal and mobile app. In this article, we’ll guide you through the process of transferring money with iRakyat DuitNow in five easy steps.

Step 1: Log in to iRakyat

To get started with iRakyat DuitNow, you’ll need an iRakyat account. If you haven’t registered yet, you can do so online at iRakyat’s official website or by visiting a Bank Rakyat branch.

  • Go to iRakyat’s official website.
  • Click on the Login option.
  • Select Personal Banking and enter your Username.
  • Click Login and confirm your Secure Phrase.
  • Enter your Password and click Login again.

Step 2: Register your DuitNow ID

A DuitNow ID is a unique identifier that links your bank account to your chosen identifier, such as a mobile number. You can have multiple DuitNow IDs for different accounts, but each ID can only be linked to one account at a time.

  • Click on DuitNow in the iRakyat main menu.
  • Select DuitNow ID Registration and click Next.
  • Choose the type of ID you want to register (e.g., mobile number) and enter the ID value (e.g., 0123456789).
  • Select the bank account you want to link to this ID and click Next.
  • You’ll receive a TAC code via SMS or email. Enter the TAC code and click Confirm.

You can also manage your DuitNow IDs by following these steps and selecting DuitNow ID Maintenance instead of DuitNow ID Registration.

Step 3: Select the recipient’s DuitNow ID

To initiate a money transfer with iRakyat DuitNow, you’ll need the recipient’s DuitNow ID, which can be entered manually or selected from your list of favorites.

To enter the recipient’s DuitNow ID manually:

  • Click on DuitNow in the iRakyat main menu.
  • Select DuitNow Transfer and click Next.
  • Choose the type of ID you want to use (e.g., mobile number) and enter the recipient’s ID value (e.g., 0123456789).
  • Click Next.

To select the recipient’s DuitNow ID from your favorites:

  • Click on DuitNow in the iRakyat main menu.
  • Select Favourites List Maintenance and click Next.
  • Here, you can add, edit, or delete favorite recipients. To add a new recipient, click Add New Favourite Recipient and enter their details.

Step 4: Enter the amount and reference

After selecting the recipient’s DuitNow ID, input the transfer amount and add a reference for the transaction. The reference can be any relevant information, such as the purpose of the payment or a personal message.

  • Fill in the fields under Transaction Details with the amount and reference.
  • Optionally, check the box under Save as Favourite Transaction if you want to save this transaction as a favorite for future use.
  • Click Next to proceed.

Step 5: Confirm and complete the transfer

Before finalizing the transfer, you must confirm the transaction details and enter a TAC (Transaction Authorization Code) for security.

  • Review the details provided under Confirmation Details to ensure accuracy.
  • Click TAC Request and enter the TAC code received via SMS or email.
  • Click Confirm and wait for the transaction status to appear.

Congratulations! You have successfully completed a money transfer using iRakyat DuitNow. You can access your transaction history by clicking on Transaction History in the iRakyat main menu.


iRakyat DuitNow offers a secure and user-friendly method for transferring money using various identifiers, eliminating the need for traditional bank account details. You can easily register your DuitNow ID and initiate transfers in just five simple steps. To learn more about iRakyat DuitNow, visit the official iRakyat website or download the iRakyat Mobile Banking App from the Google Play Store or the App Store.






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