Also, under the Malaysian Electronic Payment System (MEPS), users can withdraw cash from participating banks for a fee of RM 1 per withdraw.[22] Users can also transfer their fund to another bank via IBFT (Instant Bank Fund Transfer) at a fee of RM 0.30 to RM 0.50 or via IBG (inter-bank giro) at RM 0.10 .[23] Another program called HOUSe by locally incorporated foreign banks in Malaysia also have their own network for cash withdrawals from participating banks.