Maybank to Introduce Daily Limits and Cooling-Off Period for Reload Services

If you're a Maybank user who frequently tops up mobile credits or game PINs online, take note: starting 26 May 2025, Maybank will implement daily transaction limits and a 12-hour cooling-off period for reload-related services. Here's what's changing and how it affects you.

What's Changing?

Previously, Maybank introduced a 12-hour cooling-off period for changes made to online transfer limits, aimed at preventing fraud and giving users a buffer before any limit increase takes effect.

Now, this same cooling-off mechanism is being extended to reload services, including:

These services will have a default daily limit of RM200. You can still change it — up to a maximum of RM500 — but any adjustment will trigger a 12-hour delay before the new limit kicks in.

Why Is Maybank Doing This?

According to Maybank, the move is part of ongoing efforts to strengthen online banking security. As fraud and scams become more sophisticated, adding a cooling-off period makes it harder for cybercriminals to instantly drain funds — especially if they've gained unauthorized access to an account.

Just like with the previous changes for fund transfers, this additional measure is all about giving you more control and time to act in case something fishy is happening.

How to Adjust Your Reload Limit 

If you want to increase or reduce your limit, here's how to do it via Maybank2u web:

You'll be notified via the MAE app and email when the cooling-off period starts and ends. During this 12-hour window, your current (old) limit will still apply.

Best Practices: Don't Set & Forget

While the ability to adjust limits is convenient, it's wise to only increase your limit when absolutely necessary. This reduces exposure in the event of unauthorized access.

Also, make a habit of monitoring your account regularly. If anything looks suspicious, don't wait — use the Kill Switch via the MAE app or Maybank2u to immediately lock down access to your account.

Final Thoughts

This new update is a smart move by Maybank to protect users without making day-to-day transactions overly difficult. While it may add a minor delay to limit changes, the added security is well worth the trade-off.

Want to dig deeper into how the cooling-off period works? You can read more on Maybank's official page here.