Legal, privacy and customer-protection information

Operator and regulatory status

The public Royal Investment Bank website identifies Royal Investment Bank as an international private investment bank, states Investment Banking Licence No. 220147BI from the Labuan Financial Services Authority, and gives the registered office as Unit 2-2, Level 2, Labuan IBFC, Jalan Merdeka, 87000 Labuan, Malaysia.

This online platform does not state that the operator has UK permission to provide payment accounts or payment services. Services are offered only where the responsible legal entity is lawfully permitted to provide them. Territory-, customer- and product-specific contractual information will be supplied before any account is activated.

Application terms

An application is a request for assessment, not an offer by the bank and not acceptance of a customer relationship. We may request further information, verify evidence, screen relevant persons, decline or close an application, or restrict products according to law, risk and policy.

Do not send money using details obtained from an application page. No customer balance is created by an uploaded document, funding notice or internal reference. A binding relationship begins only when the responsible entity issues the applicable agreement and the customer accepts it.

Fees and exchange rates

No online-platform fee is charged merely for submitting an application. Any account, payment, investment, foreign-exchange or other fee must be stated in the applicable agreement or fee schedule before the service is provided. Individually negotiated terms may apply to eligible professional, corporate or investment clients.

Customer funds and the ten-digit reference

The planned GBP model uses a real pooled receiving account and a permanent ten-digit internal customer reference. The reference is used to allocate funds in the internal ledger; it is not, by itself, a separate bank account or bank-issued IBAN.

Before live service, the final agreement will identify the account-holding entity, safeguarding or client-money treatment, insolvency treatment and whether any compensation scheme applies. We do not claim that balances on this platform are protected by the UK Financial Services Compensation Scheme unless a specific written disclosure confirms that protection.

Privacy and data use

Application and customer data may include identity, contact, address, corporate, ownership, tax, financial, source-of-funds, source-of-wealth, transaction, device, authentication, screening, fraud, complaint and support information.

Data is used to assess eligibility, verify identity and ownership, prevent financial crime and fraud, administer security, provide contracted services, maintain records, meet legal obligations, handle complaints and protect legal rights. Data may be shared with group entities, banks, verification/screening providers, professional advisers, technology processors, authorities and counterparties where lawful and necessary.

Retention is limited to the period required for the purpose, legal obligations, fraud prevention and legal claims. Rights and transfer arrangements depend on the responsible controller and applicable law. Privacy enquiries may be sent to compliance@royalbank.my.

Fraud and payment safety

We will never ask for your password, complete security code or one-time authentication code. Do not transfer money because someone claims it must be moved to a safe account. Independently verify payment instructions and changes using a trusted contact route.

Report suspected fraud or unauthorised access immediately to compliance@royalbank.my. Live payment products will include additional warnings, beneficiary controls, limits, recovery and reimbursement information applicable to the relevant payment rail and jurisdiction.

Complaints

Complaints may be sent without charge to compliance@royalbank.my. Include your name, application or customer reference, contact details, what happened, relevant dates and the outcome requested. Do not email passwords or one-time codes.

We will log, acknowledge and investigate the complaint and provide the applicable response and external escalation information. External ombudsman or regulator rights vary by entity, service and jurisdiction and will not be represented as available unless they genuinely apply.

Support and vulnerable customers

General enquiries may be sent to info@ribk.com.my. Tell us about communication or accessibility adjustments that would help. We may support authorised representatives after appropriate verification.

Information about health, life events or other vulnerability is used only where relevant to provide support, prevent harm or meet legal duties, and access is restricted accordingly.