are there any differences between PB Debit Card UTAR and TARC?

Is there any debit Visa / MasterCard in Malaysia that can be used for Telephone transaction?

This post has been edited by cshong: Sep 1 2011, 08:50 PM

My apologies if what I'm about to ask has been answered somewhere in this topic. I checked the first page of v1 and v2 in case there answer was there and found none.

I am interested in applying for the PBB visa electron as I gather it can be used for cash withdrawal overseas from any Visa/PLUS. However, my understanding is that some countries' ATMs are equipped for 4 digit PIN whereas I believe all our cards (credit, debit, atm) are 6 digit PINs. My email enquiry to PBB came back with this:

"Please be informed that the minimum PIN digit for a debit card/credit card for ATM function is 6 digits, not 4 digits.

Kindly make your cash withdrawal function at ATM machine which displayed logo "VISA" or "PLUS" only. Please advise us all the options that available from the screen and which option has you chosen in order for us to assist you. You may have chose the wrong option for your withdrawal function."

Does anyone have experience using the PBB Visa Electron for cash withdrawals overseas where the ATMs accept 4 digit PINs?

Thanks a bunch.

i'm not sure regarding the pin number
but keep in mind that each withdrawal they will charge you additional fee + admin charge by the carrier which you withdraw from

Thanks for the heads up on that. It's meant to be a back up more than anything else as I'll be using cc for the larger spends. But just in case I need more cash ...

Hey, WTA can the Esso PBB debit card be used in China?

As long as VISA is accepted... yeah.

VISA, accepted widely world wide, not matter credit/debit card

Hmm interesting. I was able to withdraw cash with a 4-digit PIN card in Malaysia but haven't tried the other way round.

This post has been edited by monsta2011: Sep 4 2011, 12:04 AM

Funny thing is that the banks themselves seem not to quite know and give me vague ambiguous answers such as the one I have posted. One international bank's customer service personnel told me to just key in the 6 digit PIN anyway and "it should work". Another local bank told me to "look for ATMs of international banks. They should have a machine that caters for 6 digits".

I would like to ask some questions here.

A lot of hotels do not charge our credit / debit card at the time of reservation through their official website. For these hotels, our card will only be charged during check-in. Most of the hotels which applied this policy clearly stated on their website that debit card are not accepted. However, some of the hotels which applied this policy clearly stated that if we use a debit card to do reservation instead of uaing a credit card, our card will be charged immediately at the time of reservation through their website.

My questions:
1. If we use a debit card (e.g. MasterCard / Visa debit card) for online transaction, do the online merchants can detect that we are using a debit card?
2. If yes, how they do it?

well i think it is mainly on the cc numbering will be able to determine type of cc we been use

Apologies for the late entry.
I'm afraid there's no way to circumnavigate this problem. I agree calling the local foreign bank or your bank's CS would not help much as highly likely they don't know it themselves unless they have experienced it before. You still need to look for ATMs which accept 4 digit PINs. One possibility is to use an international brand debit cards in the likes of Citibank, SCB, etc and use it at another Citibank ATM (if you are using Citibank and likewise for other cards) - in such cases the ATM will ask you to input 6 digit although the local system is 4 digit only.

Alternatively, you need to walk into the foreign bank itself with your passport and attempt to withdraw cash from your debit card manually.

Note that not necessarily the second option would work (I have never done the second approach myself). While all banks (all over the world) are supposed to support this method, a few times I have noticed foreign tourists in Malaysia being asked to use the ATM instead of using the counters/tellers in our local banks.

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Added on September 4, 2011, 1:11 pmHighly likely not to work because if the local system is 4 digits even the ATM's of international banks will also follow 4 digits.
I'm speaking from experience in a particular country in Asia.

CS just guessing but likely never experience this themselves.

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Added on September 4, 2011, 1:21 pmHotel use a pre-booking feature when you book a room in advance. When happens is that they use their terminal/system to "charge" your card but stop short of posting the transaction. It is something like taking money from you but in this case it is the bank's money being used to guarantee your room. If no show or your do use the room then the bank will charge you.

Back to the original question - Yes, likely via your card numbering system which "tells" their system yours is a debit card. (Similar to how the system can recognize a credit card principle or supplementary) The cashier/front desk would not be able to tell just by looking at the card. And note my earlier answer ... the pre-booking system technically takes money from you but in actual fact the bank's money is being used to guarantee you. However, in the case of debit cards .... well there's no bank's money, it is the card holder actual money being used!

I don't see it to be a problem to the whole idea unless no show happens or there's some uncertainly about the booking.

This post has been edited by hye: Sep 4 2011, 01:21 PM

got charges lo,if withdraw cash using cc
if debit card, just like normal ATM

This post has been edited by beyond86: Sep 4 2011, 05:09 PM

I just checked my mom's PBB Visa Electron number. The starting prefix cannot be found on http://en.wikipedia.org/wiki/List_of_Bank_...ication_Numbers and other websites, or may be these websites are out of date. Are those merchants website will connect to any system to check?

No offence. I just interested to know how the system work.

This post has been edited by cshong: Sep 4 2011, 06:01 PM

As you mentioned ... not everything is listed. Merchants website are connected to bank's gateway system which authenticates the card. No, these are private information held by the banks and I'll prefer it to be this way. I don't feel safe if such information can be checked publicly online.
Thus it is the system that will know what sort of card you are holding, etc. and the person manning the system simply reacts to the information posted.

Mean that the bank's system will check whether our card is debit card or credit card, but the merchant's system will not know about it?

I think it is easier if you were to say what is your concern actually ? Seems like you are paranoid or afraid about something.

maybe wan to do some 'lubang' or 'kang tao'

Ok. Just skip the issue on whether the merchant will know we are using debit card.

All my concern is about using debit card to do advance booking for services that we will only be charged at the time we start using it (e.g. hotel), then that "service provider" refuse to accept debit card during the verification process with their staffs but our bank still put our funds on hold. If we use our debit card to do online reservation for hotel that only charge us during check-in, the bank hold our funds to guarantee the reservation, and we are required to show our card for verification upon check-in at the hotel, but unluckily during check-in the hotel refuse to accept debit card but the funds hold by the bank still haven't being refunded to our debit card account, then there will be problems.

I just hope that I won't have to apply credit card just for hotel booking.

This post has been edited by cshong: Sep 4 2011, 09:18 PM