- Login to your banking account through AJIB Online or AJIB Mobile
- Select ‘Transfers’ then select ‘CliQ’
- Go to ‘History’ and select ‘Received Payments’
- Press ‘Return Payment’ to return the incoming transfer
- Choose the reason for returning the instant transfer
- Enter the amount you wish to return
- Choose the method of receiving the verification code (OTP), either: text message, email, or both
- Press ‘Next’
- Enter the verification code (OTP) in the special field and press ‘Submit’