Frequently Asked Questions (FAQ)
CIDB CONSTRUX
1. What is CIDB Construx Mastercard Prepaid Card?
CIDB Construx Mastercard Prepaid Card is a hybrid card, which acts as a CIDB GREEN ID card and payment card with Mastercard’s PayPass feature that contains monetary value pre-loaded by the Cardholder. The Cardholder is able to use it for retail and withdrawal transactions where the value will be deducted from the Card when transactions are made. The amount of spending is limited to the amount of money stored in the Card at the time of the transaction. The Cardholder is required to pre-load the Card prior to making any transaction.
2. How do I apply the CIDB Construx Mastercard Prepaid Card?
The CIDB Construx Mastercard Prepaid Card will be made available to a construction personnel who register with CIDB. Registration and/or application of the Card can be made online at https://cims.cidb.gov.my/smis/regcontractor/index.vbhtml or at any CIDB branch.
3. When can I use my CIDB Construx Mastercard Prepaid Card?
Once you have completed the CIDB Construx Mastercard Prepaid Card activation, which will include the e-KYC process and approval (subject to BAYO’s review). After you have reloaded your CIDB Construx Mastercard Prepaid Card, you are able to use the Card at any available merchants and ATMs that are registered with Mastercard.
4. Where can I use CIDB Construx Mastercard Prepaid Card?
The CIDB Construx Mastercard Prepaid Card is accepted at all Mastercard merchants locally and internationally. You can perform online and retail transactions as well as cash withdrawals at any ATM registered with Mastercard.
5. Can I use my CIDB Construx Mastercard Prepaid Card at the self-service kiosk at the petrol station?
Yes, you can use the CIDB Construx Mastercard Prepaid Card at the petrol station’s self-service kiosk. However, a pre-authorization of RM200 will be withheld from the balance of the Card until the actual amount is received from the acquiring bank. Please note that this process may take 3 to 4 days before the net balance is released back to you. To avoid the amount being withheld via pre-authorization, you just need to pay at the cashier where the exact purchased amount will be deducted from your Card.
6. Can I use my card overseas?
To use your card for international transactions, you are required to enable your card from your etc. Apps to accept international transactions. To do so,
you may contact Bayo Customer Service as well at +603-7621 5151, chat via WhatsApp at 010-781 4930 or email support@bayo.my.
7. How to withdraw money from ATM? Follow these steps:
Step 1: Insert your Construx Card into the ATM card reader.
Step 2: Once the machine reads your card, choose your preferred language on the screen.
Step 3: Enter your PIN number securely.
Step 4: Select the type of transaction type you would like to make(in this case – Withdrawal).
Step 5: Choose the ‘Credit Card’ type and the amount you wish to withdraw.
Step 6: Collect your cash.
Step 7: Select the option if you want a printed receipt of your transaction after collecting your Card.
8. How do I reload my CIDB Construx Mastercard Prepaid Card?
You can reload your CIDB Construx Mastercard Prepaid Card by logging in to CIDB Construx mobile e-Wallet App and performing a reload via online banking (FPX), or via salary deposit by the employers for foreign workers with no local bank account.
9. What is my maximum reload limit?
Your approved card limit (App size) is RM10,000. You may reload up to a balance of RM10,000 in your Card at any one time and are subject to a daily reload limit of RM20,000.
10. What are the fees and charges that I have to pay?
The following tables are the fees and charges imposed on CIDB Construx Card:
Type of Fees and Charges | Fees and Charges (RM) |
|---|---|
Reload Fee
| No charge |
ATM Cash Withdrawal Fee (via Mastercard network enable ATM’s)
|
|
Maintenance Fee | RM10.00 per annum (Chargeable if there is no transaction for the year) |
Card Replacement Fee | RM15.00 per card (Not applicable for fraud/counterfeit) |
Currency Conversion Fee (for purchase/withdrawal in foreign currency) | Network charges |
Cross-Border Transaction Fee (for purchase via merchants outside Malaysia but charged in Ringgit Malaysia) | 0.5% + network charges |
Sales Draft Retrieval Fee | RM15.00 per sale draft |
Hardcopy of Statement Retrieval Fee | RM5.00 per document |
SMS Notification Fee (SMS sent as requested by customer) | RM0.20 per SMS |
11. How do I view my card transaction history and balance?
You may view your transaction history and balance in CIDB Construx mobile e-Wallet App.
12. What should I do if CIDB Construx Mastercard Prepaid Card is lost, stolen, or faulty?
You must immediately temporarily block your CIDB Construx Mastercard Prepaid Card via CIDB Construx mobile e-Wallet App, or contact Bayo Customer Service at +603-7621 5151 or chat via WhatsApp at 010-7814930 upon discovering that your Card is lost, stolen, or faulty. Bayo Customer Service’s working hours are operational from 8.30a.m. to 11.00p.m. Monday to Friday and 8.30a.m. to 12.30p.m. on Public Holidays, Saturdays, and Sundays.
13. How can I get a replacement card?
You can apply for a replacement Card online at https://cims.cidb.gov.my/smis/regcontractor/index.vbhtml or at any CIDB branch.
14. Will my existing balance be transferred to my replacement card?
Yes, your existing balance will be transferred to your replacement Card within 5 working days from the issuance date of your replacement Card.
15. How can I terminate my CIDB Construx Mastercard Prepaid Card?
If you wish to terminate your CIDB Construx Mastercard Prepaid Card, please contact Bayo Customer Service at +603-7621 5151 during our working hours.
16. When can I get the refund of my balance in CIDB Construx Mastercard Prepaid Card?
The balance in your CIDB Construx Mastercard Prepaid Card will be refunded to you within 14 days from your termination date. The balance will be credited to your bank account (maintained with a local bank), which you have provided to us. No refund will be processed if the card is terminated due to fraudulent or suspicious activities.
17. What should I do if I have a transaction dispute in CIDB Construx Mastercard Prepaid Card?
In the event of any dispute for unauthorized and error transactions, you need to inform Bayo in writing within 14 days from the date of the transactions. Failing which, the transaction shall be deemed true and accurate where you are considered to have accepted the transaction as final and conclusive.
18. Can I use my prepaid card for contactless retail payment?
Your prepaid card is enabled with contactless feature. For first-time usage, you are required to slot your card into the merchant point of sales terminal and enter your PIN to activate the contactless feature.
19. Can I disable contactless payment on my prepaid card?
If you wish to disable contactless payment on your Bayo Prepaid card you can reach out to Bayo Customer Service at +603-7621 5151 during our operating hours.
20. What are the contactless transaction limits on my prepaid card? How can I reduce these contactless transaction limits?
Your prepaid card has a default contactless transaction limit of a maximum of RM250 per transaction and a daily cumulative limit of RM500. Please use a Chip & PIN to perform transactions above these limits. You may reduce these limits by contacting Bayo Customer Service at +603-7621 5151 or chat via WhatsApp at 010-7814930 during our operating hours.
BILL PAYMENT
1. How do I access the Bill Payment?
Bill Payment is available via the CIDB Construx App. To go to the Bill Payment simply follow these steps:
2. What kind of information will be needed when I make a payment?
Each biller requires different information. You may check the information needed when you select your biller. Please ensure that the bill details are entered correctly before submitting your payment.
3. Can I pay bills on behalf of others?
Yes, you can pay bills for others if you have their billing details.
4. Are bill payments processed on the same day?
Not all payee corporations process payments daily. Therefore, to avoid late payments, it’s best to make your payments in advance as required by the payee corporations.
5. Can I use my CIDB Construx Mastercard Prepaid Card at the self-service kiosk at the petrol station?
Yes, you can use the CIDB Construx Mastercard Prepaid Card at the petrol station’s self-service kiosk. However, a pre-authorization of RM200 will be withheld from the balance of the Card until the actual amount is received from the acquiring bank. Please note that this process may take 3 to 4 days before the net balance is released back to you. To avoid the amount being withheld via pre-authorization, you just need to pay at the cashier where the exact purchased amount will be deducted from your Card.
6. Can I use my card overseas?
To use your card for international transactions, you are required to enable your card from your etc. Apps to accept international transactions. To do so,
you may contact Bayo Customer Service as well at +603-7621 5151, chat via WhatsApp at 010-781 4930 or email support@bayo.my.
7. How to withdraw money from ATM? Follow these steps:
Step 1: Insert your Construx Card into the ATM card reader.
Step 2: Once the machine reads your card, choose your preferred language on the screen.
Step 3: Enter your PIN number securely.
Step 4: Select the type of transaction type you would like to make(in this case – Withdrawal).
Step 5: Choose the ‘Credit Card’ type and the amount you wish to withdraw.
Step 6: Collect your cash.
Step 7: Select the option if you want a printed receipt of your transaction after collecting your Card.
8. How do I reload my CIDB Construx Mastercard Prepaid Card?
You can reload your CIDB Construx Mastercard Prepaid Card by logging in to CIDB Construx mobile e-Wallet App and performing a reload via online banking (FPX), or via salary deposit by the employers for foreign workers with no local bank account.
9. What is my maximum reload limit?
Your approved card limit (App size) is RM10,000. You may reload up to a balance of RM10,000 in your Card at any one time and are subject to a daily reload limit of RM20,000.
10. What are the fees and charges that I have to pay?
The following tables are the fees and charges imposed on CIDB Construx Card:
Type of Fees and Charges | Fees and Charges (RM) |
|---|---|
Reload Fee
| No charge |
ATM Cash Withdrawal Fee (via Mastercard network enable ATM’s)
|
|
Maintenance Fee | RM10.00 per annum (Chargeable if there is no transaction for the year) |
Card Replacement Fee | RM15.00 per card (Not applicable for fraud/counterfeit) |
Currency Conversion Fee (for purchase/withdrawal in foreign currency) | Network charges |
Cross-Border Transaction Fee (for purchase via merchants outside Malaysia but charged in Ringgit Malaysia) | 0.5% + network charges |
Sales Draft Retrieval Fee | RM15.00 per sale draft |
Hardcopy of Statement Retrieval Fee | RM5.00 per document |
SMS Notification Fee (SMS sent as requested by customer) | RM0.20 per SMS |
11. How do I view my card transaction history and balance?
You may view your transaction history and balance in CIDB Construx mobile e-Wallet App.
12. What should I do if CIDB Construx Mastercard Prepaid Card is lost, stolen, or faulty?
You must immediately temporarily block your CIDB Construx Mastercard Prepaid Card via CIDB Construx mobile e-Wallet App, or contact Bayo Customer Service at +603-7621 5151 or chat via WhatsApp at 010-7814930 upon discovering that your Card is lost, stolen, or faulty. Bayo Customer Service’s working hours are operational from 8.30a.m. to 11.00p.m. Monday to Friday and 8.30a.m. to 12.30p.m. on Public Holidays, Saturdays, and Sundays.
13. How can I get a replacement card?
You can apply for a replacement Card online at https://cims.cidb.gov.my/smis/regcontractor/index.vbhtml or at any CIDB branch.
14. Will my existing balance be transferred to my replacement card?
Yes, your existing balance will be transferred to your replacement Card within 5 working days from the issuance date of your replacement Card.
15. How can I terminate my CIDB Construx Mastercard Prepaid Card?
If you wish to terminate your CIDB Construx Mastercard Prepaid Card, please contact Bayo Customer Service at +603-7621 5151 during our working hours.
16. When can I get the refund of my balance in CIDB Construx Mastercard Prepaid Card?
The balance in your CIDB Construx Mastercard Prepaid Card will be refunded to you within 14 days from your termination date. The balance will be credited to your bank account (maintained with a local bank), which you have provided to us. No refund will be processed if the card is terminated due to fraudulent or suspicious activities.
17. What should I do if I have a transaction dispute in CIDB Construx Mastercard Prepaid Card?
In the event of any dispute for unauthorized and error transactions, you need to inform Bayo in writing within 14 days from the date of the transactions. Failing which, the transaction shall be deemed true and accurate where you are considered to have accepted the transaction as final and conclusive.
18. Can I use my prepaid card for contactless retail payment?
Your prepaid card is enabled with contactless feature. For first-time usage, you are required to slot your card into the merchant point of sales terminal and enter your PIN to activate the contactless feature.
19. Can I disable contactless payment on my prepaid card?
If you wish to disable contactless payment on your Bayo Prepaid card you can reach out to Bayo Customer Service at +603-7621 5151 during our operating hours.
20. What are the contactless transaction limits on my prepaid card? How can I reduce these contactless transaction limits?
Your prepaid card has a default contactless transaction limit of a maximum of RM250 per transaction and a daily cumulative limit of RM500. Please use a Chip & PIN to perform transactions above these limits. You may reduce these limits by contacting Bayo Customer Service at +603-7621 5151 or chat via WhatsApp at 010-7814930 during our operating hours.
REMITTANCE
1. What is a remittance service?
It is a service that is offered via a partnership with MaxMoney Sdn. Bhd (“MaxMoney”), a licensed money service provider. The service is incorporated into CIDB Construx mobile e- Wallet App enables users to send money to beneficiaries in other countries.
2. Who is eligible to use the remittance service?
All CIDB Construx mobile e-Wallet App users are eligible to use the service.
3. Why is there a registration process with MaxMoney to use the remittance service?
Bank Negara Malaysia requires a licensed money service provider such as MaxMoney to perform registration on the users and to verify the customer’s identity before they can proceed with remittance transactions.
4. Are there any charges applicable for the remittance service?
A service fee is charged by MaxMoney and will be included in the final amount to be deducted from your e-App. You may refer to https://www.maxmoney.com/my/help for fees charged by MaxMoney.
5. What are the minimum and maximum amounts that can be remitted?
The minimum amount that you can remit per transaction is RM50. Refer to the table below for the Maximum amount.
The minimum and maximum amount stated is inclusive of the service fee.
App Size | Per Transaction Limit
(RM) | Daily Limit
(RM) |
|---|---|---|
Approved Card (Wallet Size RM 10,000) | RM10,000.00 | RM10,000.00 |
6. How do I access the remittance service?
You may find the remittance service by following these
7. What is the exchange rate applicable under the remittance service?
Exchange rates are determined by MaxMoney, and it is displayed on the remittance page itself before making the transfer.
8. To which country can I remit money?
The list of countries may change from time to time, and it is displayed on the remittance page itself before making the transfer.
9. What is the difference between cash pickup and bank deposit options?
With cash pickup, your beneficiary can collect physical cash from a pickup location determined by MaxMoney, whereas a bank deposit is where the money will be transferred to the beneficiary’s overseas bank account.
10. Where are the cash pickup locations?
You may refer to https://www.maxmoney.com/my/help for the list of cash pickup locations in the beneficiary country.
11. Can I cancel the transaction and request a refund on transactions that I have performed?
Yes, the cancellation can be done only if the transaction has not been paid or credited to the beneficiary’s bank account. Kindly contact Bayo Customer Service at +03-7621 5151, chat via WhatsApp at 010-7814930 or email support@bayo.my for cancellation requests.
12. How long does it take to refund?
Once the transaction has been canceled, a refund takes a maximum of 14 days for the money to be credited back to you.
AFFIN BANK VIRTUAL ACCOUNT NUMBER
1. What is Affin Bank Virtual Account Number?
Affin Bank Virtual Account Number is a channel which allows you to reload or transfer funds into your card through online or offline bank transfer.
2. How does the Affin Bank Virtual Account Number works?
You can use the Virtual Account Number to transfer funds from your bank account to your Bayo e-wallet account, similar to a regular bank account, and the funds shall be credited to your card based on the transfer schedule. Do take note that during the transfer of funds, the sender might see Bayo Pay (M) Sdn. Bhd. as the recipient’s name.
3. How to apply for the Affin Bank Virtual Account Number?
An Affin Bank Virtual Account Number will be provided after you have successfully registered for CIDB Construx Mastercard Prepaid Card. You can view your Affin Bank Virtual Account Number in your CIDB Construx mobile e-Wallet App one (1) business day after your registration date.
4. Where can I see my Affin Bank Virtual Account Number?
Your Affin Bank Virtual Account Number is shown in your Bayo mobile apps. You may follow these steps to retrieve your Affin Bank Virtual Account Number:
5. What are the minimum and maximum amounts that can be credited through Affin Virtual Account Number?
There is no minimum amount set by Bayo. Please refer to the table below for the maximum amount limits. Please note that the minimum and maximum amount are also subjected to the limits set by the sender’s bank.
App Size | Per Transaction Limit
(RM) | Daily Limit
(RM) |
|---|---|---|
Approved Card (Wallet Size RM 10,000) | RM10,000.00 | RM20,000.00 |
*Please take note that you should not transfer funds where your e-wallet balance would exceed your wallet size.
6. When can I expect the funds to be credited to my card once the transfer is initiated?
You can expect the funds to be credited to your card according to the transfer schedule below.
Funds Received by Affin Bank | Fund Crediting into Your Card |
|---|---|
before 10:20 a.m. | by 11:00 a.m. |
before 3:20 | by 4:00 p.m. |
before 6:20 p.m. | by 7:00 p.m. |
after 6:20 p.m. | by 10.15 a.m. on the next day |
7. What are the specific limitations or restrictions that apply to the Affin Bank Virtual Account Number?
Due to system limitations, it is currently not possible to make an online bank transfer from an Affin Bank Account to your Affin Bank Virtual Account Number and also, cheque deposits are not supported.
8. Are there any fees or charges for using the Affin Bank Virtual Account Number?
No, there are no fees or charges associated with using the Affin Bank Virtual Account Number. It is provided to our customers as a free service to facilitate convenient and secure transactions.
9. What should I do if I have questions or issues to use the Affin Bank Virtual Account Number?
Kindly contact Bayo Customer Service Department at 03-7621 5151, chat via WhatsApp at 010-7814930 or email to support@bayo.my for any clarifications related to Affin Bank Virtual Account Number.
CONSTRUX PAYROLL
1. What is Construx Payroll?
Construx Payroll is a platform which allows the convenient payment of Participating Employee salaries to be credited into the Participating Employee’s E-Money Account maintained with Bayo i.e. the CIDB Construction Personnel Registration Card.
2. Who is a Participating Employee?
A Participating Employee is an employee who has been issued a CIDB Construction Personnel Registration Card of which the employer has on-boarded to the Construx Payroll platform.
3. What is an E-Money Account?
An E-Money Account is an account opened with an e-money issuer approved by BNM under the Financial Services Act 2013. The E-Money Account contains monetary value that is paid in advance by the user to the e-money issuer where the amount can be used by the account holder to make payments for purchases of goods and services to merchants.
The establishment and operations of an E-Money Account is regulated by BNM under the Guidelines on Electronic Money where the funds are placed in a trust account established in accordance with the Trustee Act 1949 with a licensed bank in Malaysia. For more information please refer to https://www.bnm.gov.my/documents/20124/57659/gl_016_3.pdf.
4. Who can apply?
At the moment, only companies that are registered with Construction Industry Development Board (“CIDB”) Malaysia and those with employees that have been issued the CIDB Construction Personnel Registration Card can apply to use this platform.
5. How to apply?
Application for onboarding to the Construx Payroll can be applied through the Construx web portal at cidb.bayo.my (“Onboarding”). The Applicant is able to go through Onboarding by completing [3] easy steps and providing some basic documents. During application the Applicant will be required to create the Login IDs and Passwords for Authorised Users.
6. Does your application require Bayo’s approval?
Yes, upon receiving the application and relevant documents, Bayo shall review and assess the application accordingly. The review and assessment is to ascertain that the Applicant has the necessary approvals for its Authorised Users. This step is important to ensure only Authorised Users have access to the Construx Payroll platform to safeguard the Applicant’s employee data.
7. How long is the application process time?
The application process time takes a maximum of 5 business days.
8. How can the Applicant change the Company Registration Name?
The applicant needs to send an email to support@bayo.my together with form 13 / Section 28 Certificate for change of Company Name together with an instruction letter. The instruction letter must be signed by the Authorised personnel User assigned by the Applicant during Onboarding.
9. Can I cancel the transaction after salaries have been disbursed to the respective employees’ E-Money Account?
We understand the importance of having accurate data entry when it comes to salary payments. Therefore, the Construx Payroll involves assigning a Maker for entering salary records and a Checker to verify and validate that all salary records entered are correct. Apart from that, the salary disbursements will go through the Employer’s online banking approval process where typically further verification is done. Thereafter, the disbursements will happen in real-time and is therefore not reversible.
10. How to change password?
During initial registration the Authorised User is required to change the temporary password provided after first time Login. Subsequent changes to the password can be done in the Construx Payroll platform at cidb.bayo.my.
11. Are there any fees or charges for utilising this service?
Currently, there are no fees and charges involved for utilising this service.
12. Will the Employer receive notifications after successful disbursements?
Upon successful disbursement, a push notification shall be sent to the Participating Employee whom the salary is credited on the Construx Mobile Wallet. Participating Employee can also check their account balance via the Construx Mobile Wallet. The Employer will be able to check the disbursement status in the Construx Payroll platform.
13. When would a Participating Employee expect to receive salary after successful funds transfer on Construx Payroll?
Since funds transfer/payment is done via FPX, a Participating Employee can expect to receive salary after successful funds transfer based on the table below: –
Transfer Day | Transfer Time | Funds Available At Beneficiary Wallet |
|---|---|---|
Monday – Friday | Before 6pm After 6pm | Same Day Next Business Day |
Saturday, Sunday, Federal Territory & Public Holiday | Anytime | Next Business Day |
14. Where is the salary paid to after disbursement has been made?
Upon successful disbursement, each Participating Employee’s salary will be credited into each Participating Employee’s CIDB Construction Personnel Registration Card.
15. Why is the Participating Employee’s salary failed to be disbursed?
This could be due to various reasons related to the Participating Employee’s E-Money Account maintained with Bayo. Please contact Bayo Customer Service Department at 03- 7621 5151 or email your queries to support@bayo.my.