Hello! I'm thinking of getting a PB Day2Day card but I have some questions regarding it.

1. Is internet banking for Day2Day real-time? Or is it only an e-statement at the end of the month?

2. Can I add funds to my Paypal account with Day2Day Card? If yes, does anyone know how long it would take? Because I'm in a hurry to buy something online.

3. Is there anything that I should take into notice when I apply for the card? What is the verified by visa function?

4. I've also noticed that you could use the card to pay for petrol. Is this possible at all major petrol kiosk e.g. Petronas?

I have a savings account and I plan to request for internet banking when I apply for my Day2Day card. I know that a Visa Electron may be better for online transactions but I'm taking into the fact that you can get Day2Day on the same day and it has a cheaper annual fee. Besides, the amount of money in my savings account isn't much, probably enough to buy what I want online.. and I plan to use it as a prepaid function (like Visa Electron) when I need to use it. My main bank account is my CIMB account and I could just transfer it over when I have to.

Anyways, looking forward to all your guidance. thank you in advance for your help and happy new year~

This post has been edited by su10: Jan 4 2010, 12:45 AM

Depends on what kind of Public Islamic Bank savings account is that. If it's a Basic Savings Account-i (Public Islamic Bank calls it Basic Wadiah Savings Account-i), then you can't. But if it's a regular Wadiah Savings Account-i (Public Islamic Bank calls it simply as Wadiah Savings Account-i without the word Basic), then yes. You can upgrade your current ATM card to the PBB D2D VISA debit card free of charge.


Yes. You can apply using your PBB current account such as ACE account. You can directly upgrade your current Blue ATM card to the new PBB D2D VISA debit card.


Define real-time. Real-time as in the amount charged will show up in your PBB e-banking portal right away or what ?

Anyway, just like credit card, any amount swiped will not be shown in your online banking account until a few working days later. But they will deduct the amount right away from your account and it will be shown in your PBB e-banking portal as the amount "hold".



No. You can't. This is not possible with any Malaysian issued debit card/credit card or Malaysian savings/current account.

However, this doesn't mean you can't pay for anything through Paypal. Just get your PBB D2D VISA debit card verified, then they will deduct the amount directly from your Public Bank account.



The main purpose of Verified by VISA is to prevent unauthorized online usage of your debit/credit card as it will ask for a password before the payment can go through but many sites haven't adopted this thing yet. However, please note that your PBB D2D VISA will still work fine at online sites that do not ask for your Verified by VISA password.



Yes. It is possible but it is NOT advisable to swipe at the petrol kiosk. Instead, it is recommended that one pay at the cashier counter after you have pumped the petrol into your car. This is because if you pay later at the cashier counter, only exact amount pumped will be charged to your card. But if you pay at the petrol kiosk, RM200 will be hold by the bank (it is the same with any banks, not just Public Bank) and remaining balance will only be refunded to your account a few days later.

As for why the bank is going to hold RM200 from your account if you pay at the petrol kiosk, please go back 1-2 pages. There are very detailed explanations there.


All right. Then go to any Public Bank branch and request for a free upgrade today !

This post has been edited by MilesAndMore: Jan 4 2010, 02:13 AM

Thank you very much Miles! Appreciate it!
Yup, that's what I meant by real-time.. as in, it will show up in my online bank account after a few days rather than having to wait till the end of the month. haha, wrong choice of words I guess? Thanks for clearing my doubts!

Hmm..today i just went to Maybank to open another Kawanku Savings Account for the free debit card but the bank officers told me that I cannot have MORE THAN ONE savings account. I already have a basic saving account with MBB previously with ATM card. I hope to avoid paying the RM12 conversion fee. I just need to confirm here whether it is really true. Anyone here manage to have multiple saving accounts with maybank?What excuses you all used? They also claimed that joint account with MBB nowadays must be blood related. Gone the chance for me to open one with my gf. gosh...

p.s. btw, milesandmore, i don't seem to get the benefits of Kawanku saving acc from basic saving acc. Mind to elaborate?Thanks a lot!

1) I think if same branch, cannot open more than one account of the same type. I'm not 100% sure but I do have multiple Kawanku savings in different branches
2) No need to convert, tell them you want to cancel the ATM card (and after that you can apply for the debit card)

How long ago you last open another saving accounts in Maybank?I actually trying to open that new account at different state than my 1st saving account. The bank officers didn't even bother to ask me which branch for my 1st account. Hmm...considering the unfairness...or do I need to hide the fact from them that I didn't possess any Maybank account previously?

For your second suggestion, I highly doubt it will work. Else they won't impose the conversion fee. Any successful cases?

, my accounts were openned long time ago

as for the 2nd suggestions, why wouldn't it work?
you tell them you want to cancel the atm card - so fill in a form and it's done
then only u tell them you want to apply the debit card, viola - no more charge since there's no more atm card to convert

Someone also previously said that Maybank does not allow its customer to have more than 1 savings account in another thread. Not sure if this only apply within the same branch or what. I suggest you try to open another savings account at another branch.


That is because Kawanku Savings Account and Basic Savings Account are two very different account. Overall, Kawanku Savings Account is much better.

Sorry for late reply because my passbook leave at my hometown.
Here is mine passbook



I can't find any information on the publicbank on the the website and also don't know the fess and charge for my atm.
I wonder any member still holding this type of passbook?

That's the passbook you get when you opened a savings account with Public Finance instead of Public Bank. But since 2004, the two companies have merged under one single entity, so I think your account will have been automatically converted to Public Bank's saving account.

http://www.dailyexpress.com.my/news.cfm?NewsID=26267

really?? but the personnel there told me to open another conventional saving account to apply for pbd2d, will try to apply again later, one question if i just submit the application form for PB visa electron but i don't receive the card yet, can i cancel it and apply for PBd2d instead? For your information my acacount is just regular Wadiah Savings Account -i without the word basic

This post has been edited by Molotov Cocktail: Jan 4 2010, 11:43 PM

Can I ask how long does it normally take to use Public Bank's D2D card for paypal verification?

Really ? I'm using PLUS Savings myself, the one from Public Bank itself. My friend on the other hand, has Wadiah Savings Account-i from Public Islamic Bank and she converted her blue ATM card to the PBB D2D VISA debit recently at no extra charge. They didn't say Wadiah Savings Account-i from Public Bank isn't eligible for the PBB D2D VISA debit. So i believe those eligible account holders from Public Islamic Bank can simply convert their red or blue ATM card to D2D VISA too without opening a new account from the parent company aka Public Bank.


You can call their credit card processing centre in KL and ask them what's the status of your application. If it's been approved and they have couriered it out, you just don't activate it or deposit any money into the account when you receive the card.


If my memory serves me correctly, it is instant.

I've been putting my card to get paypal verified and it's been 5 days already.

Oh, is it ? I did that back in year 2006 with my Public Bank VISA Electron. If i'm not mistaken, i got a successful message on the following screen once i submitted all my details.

It get verified, so I am happy today.
However, how do I withdraw my money? Withdraw to my bank account? It requires my full name to be accurate and match the bank here?

My full name is Chong Bee Eng, but it's surname is now Eng, followed by Chong. The middle name were left blank in the check out page. How and what should I do now?

Other people will help you with this as i have never withdrawn money from my Paypal account.


Your first name in Paypal system should be "Bee Eng", follows by surname "Chong". Middle name should be left blank. Try to change it yourself.

Thanks, I already send a request to paypal regarding this

opened an account at maybank, question is how do i know if my account is kawanku account or just basic savings account?

You have to ask them what type of account is that. The minimum initial deposit for Kawanku Savings is RM250 while Basic Savings is just RM20. So what is the minimum initial deposit they asked you to deposit into your account ? Anyway, it's still better to confirm with them what account exactly you're holding.