ya,i do.i did buy thing from ebay with the card,and deduct from my saving account.

my friend use the public bank tarc debit card which is link with paypal account, he said every time he buy thing from ebay,he top up his debit card by putting the exact amount show on the ebay.so there is no extra charges.
let said he buy ebay item cost usd20=rm65.2,then he going top up rm66 to his debit card at public bank machine,then he can settle the payment for the item he bought at ebay already.he told me that,there is no other additional transaction charges jz like mine do.
assume usd1=rm3.26


is this pb d2d card exactly same function like tarc debit card?

This post has been edited by Superkian: May 3 2010, 11:49 PM

So you do not have to worry about the PayPal charges at all as you will not be charged anything. Even if you pay for something via PayPal, it will be charged directly to your PBB D2D VISA debit card.


Yes. They are almost the same. Just that PBB D2D is a VISA debit card while TARC debit card is a debit Mastercard, both issued by Public Bank.

I was a heavy debit card user before. Let say you buy something that cost $100 and the foreign currency exchange rate selling price quoted by the banks in Malaysia is around $1=RM3.30. One that shops frequently online in sites that charge in foreign currency will know that you can't simply multiply $100 into RM3.30 as it is not that simple. Besides, you must also factoring in the 1.25% admin charge. You will never ever get the exact amount after conversion until the final amount is posted into your account. It works just the same with credit card. Therefore, the experienced debit card users will always deposit a little more into their account in order to avoid the payment from being declined.

By the way, no matter what kind of Public Bank debit card you are using, all payment made in foreign currency is subject to a one-time admin charge of 1.25%.

This post has been edited by MilesAndMore: May 4 2010, 12:18 AM

yea,i know the admin charge is 1.25%,kinda cheap anyway,i dont mind to pay 1.25%.

can i top up my pb d2d debit card amount?
same like my friend top up his pb tarc debit card.
because nx time i buy thing from ebay, i dont want the paypal direct deduct from my saving account[it involve the transaction fees(intermediary bank TT fees) as my other forummer said so],jz let it deduct from my debit card.
i know pb d2d is link to my saving account.
thank you


This post has been edited by Superkian: May 4 2010, 01:19 AM

My PB day2day card was blocked by the bank.
Apparently they stated that too many transaction in a day.
I don't think got even 5 transactions that day.

But their customer service phone number is hopeless.
Nobody answer the phone and you have to listen to the machine and music while your phone credits drains away.


Finally they called me back to verify. Saying security purpose. Scared card stolen.

are u using it on ebay transaction?
and btw,can top up the pb day2day,jz like pb tarc/utar debit card?
or pb visa electron card?i hear tat pb visa electron card is not link with saving account,it has to be top up like top up the touch n go.

It is linked directly to your PLUS Savings Account. Yes, of course you can.


I think you still don't get how this thing works. The Public Bank Day2Day VISA debit card you are using works as an ATM card as well as a debit card. Unlike other range of Public Bank debit card which are all standalone card not linked to your savings or current account at Public Bank, it is linked directly to your PLUS Savings Account and of course every items charged to the card will be directly deducted from your savings account.

I don't get it why you keep saying there is intermediary bank TT fees as there is absolutely none. The charges are the loss of forex as well as the 1.25% admin fee only. That's it ! Nothing more just like how it works for a credit card.


I can assure you that it works more or less the same. There is absolutely no extra charge from PayPal site or any other intermediary bank TT fees when you use your PBB D2D VISA to buy something online from overseas websites.

This post has been edited by MilesAndMore: May 4 2010, 01:35 AM

i understand it is atm card as well as debit card.
jz confuse how it work actually.


bank withdrawal fees
https://www.paypal.com/my/cgi-bin/webscr?cm...al-fees-outside
btw,what is return fees?

the item i bougth is
usd46+rm3(refer to 5linese at top) +1.25% admin charge=RM155

usd46=rm150
usd1=rm3.26(buying rate)

i check my pbe online transaction,hold amount=rm157.5
so what is the extra rm2.5 charge for?im curious...
whole my saving account is use for paypal only.

This post has been edited by Superkian: May 4 2010, 02:13 AM

You do not have to worry about the fees in the link you quoted above as it doesn't apply to you at all. It is only applicable to those people who already have money inside their PayPal account through trading or anything they do and it shows a complete list of applicable charges when they transfer the money back to their Malaysian bank account.

Let me stress once more that the fees shown in the link do not apply to you at all !



I assume you paid for the stuff you bought via PayPal, correct ? But you are not transferring money inside your PayPal account back to Malaysian bank account, correct ? Then you can ignore all the fees listed in PayPal website. It has absolutely nothing to do with you.

Let me ask you one thing. Where can you get the RM155 in the first place ? How exactly did you know after factoring in the 1.25% admin fee and the RM3 (a fee doesn't exist in your case actually) the total amount is RM155 ? As i said so many times, you do not know the exchange rate used, how can you even end up with RM155 ? You do not even how much would $46 translate into MYR.


It is shown as a hold amount because it has not been posted into your account yet. It takes a few days for the payment to be posted into you account, just like credit card.

Can you please please please re-read all the posts i posted earlier ? As i have said over and over again, you won't be able to find out the exact exchange rate used by VISA International. The amount shown (RM157.50) is the rate in RM after they converted the amount charged in USD into MYR and also after factoring in the 1.25% admin fee.

This post has been edited by MilesAndMore: May 4 2010, 02:28 AM

I assume you paid for the stuff you bought via PayPal, correct ?
YES
But you are not transferring money inside your PayPal account back to Malaysian bank account, correct ?
YES
Then you can ignore all the fees listed in PayPal website. It has absolutely nothing to do with you.
OK

LOL,ok.now i fully understand.
thank you.


im just wondering about how my another friend with his maybank debit can get such a cheap transaction...zzz.
he today bought a item cost USD140=RM448.9, which make me curious about my transaction with pb d2d card..zzz
this make me cant sleep tonight...lolz

anyway,thank you for your patient and explanation.i will just wait for few day for the payment posted into my account.

This post has been edited by Superkian: May 4 2010, 02:36 AM

That's because the admin fee charged by Maybank is lower at 0.5%. The exchange rate changes all the time. It could also because when he charged the item into the card, the rate of USD was very very low then.

wow,such a low rate admin fee.

i think not much different gua ,he make payment at 1pm,i make payment on 4pm like tat...the exchange rate wont dramatically change so much within few hour gua.

forgot to ask you,exact exchange rate used by VISA International is apply to cc,and other debit card right?

This post has been edited by Superkian: May 4 2010, 03:06 AM

It applies to all VISA range of card such as VISA credit card, VISA debit card, VISA Electron etc. MasterCard credit card, debit MasterCard, Maestro etc. will follow the exchange rate set by MasterCard Worldwide.

i see.
for my case, i guess the exchange rate used by VISA International is higher compare to local bank exchange rate.><



This post has been edited by Superkian: May 4 2010, 09:19 PM

i got another question,when i was open saving account at pbe and apply for pb d2d card.

i was given rm250(putting into my account)+rm12(pb d2d card)=rm262 for the clerk, when i received the bank book,the available balance is rm250,but the current balance is rm240.
what it is suppose to mean?

Where did you see the current balance of RM240 ? Usually in our bank book, if you account balance is RM250, then RM250 will be printed there. But if you view your account information online, the available balance is the balance you can withdraw while the current balance will show the gross balance including the minimum RM1 deposit must be kept at all time in your savings account plus any other on-hold debit card transactions.


From the account screenshot you posted earlier, the account information displayed is correct.

As you can see above, you have RM300 inside your Public Bank savings account. The hold amount is RM157.50, which is the US$46 that you charged into your card. After deducting RM157.50 from your current balance, you still have RM142.50 in your account but only RM141.50 is displayed as your available balance. This is because there is the RM1 that you must keep in your account at all time and you will not be able to withdraw this RM1 unless you close the account.

Where did you see the current balance of RM240 ?
my bank book

available balance is rm250 initially,and current balance is rm240,both of this amount are printed on my bank book.
is there any charges on opening the saving account?i think that rm10 is opening saving account charges.if there is charge rm10 for opening a saving account,i think i solve my mysterious already.

the pb d2d card compulsory pay extra rm12 during apply,right?

today my pbe online transaction,it show that activate paypal usb1.95=rm6.28 only.so the currency exchange is usd1=rm3.22?





the thing i bought usd46 deducted from my paypal usd1.95 and the rest usd44.05 deducted from my saving account, so i estimated usd46=rm148.12 for ebay item.

deducting this rm157.5 is because of my rm148.12 ebay item i bought+rm1 minimum amount have to keep inside account unless i closed my saving account+and rm10 for opening saving account service charge.

This post has been edited by Superkian: May 4 2010, 10:24 PM

Then you should go Public Bank and ask them why is it so. It should be RM250 and from the screenshot you posted, there is nothing wrong with it.


No. This is impossible as it is absolutely FREE to open a savings account with Public Bank. All you need to pay is the annual fee for the ATM or VISA debit card which will be charged upfront.



Yes. And it is paid to the customer service officer that assisted you to open the account.



You can forget about the possible RM10 as the service fee charged for opening a savings account as there is no such fee.

I suggest you wait till all the charges being posted into your PBB online transaction history so you'll get a clearer picture as why RM157.50 is hold from your account.

By the way, since the payment to PayPal has been posted as it shows USD$1.95=RM6.28 and the hold amount now left is only RM150.88. Wait for a few more days until the RM150.88 is posted into your transaction history.

This post has been edited by MilesAndMore: May 4 2010, 10:48 PM

rm10 is not for bank book charge meh?

No. the bank passbook is free of charge. Penalty only applies when you go to get a new one due to loss of your existing one or badly worn out passbook. Replacement due to finish pages is free too.

By the way, if you compare the informations in the screenshot you posted earlier today and the one just posted, you'll notice that some adjustment has been made to your account.

As of early this morning, the hold amount is RM157.50. But once they posted the PayPal payment into your account, which is RM6.28, the hold amount left is only RM150.88. Actually if you deduct the RM6.28 from RM157.50, it should be RM151.22 and not RM150.88 but now it shows a hold amount of only RM150.88.

This was previously discussed in the previous thread about Maybank VISA debit card. They actually hold more than what the user charged into his card but once Maybank posted the payment into his account, the remaining balance is credited back into his account.

This post has been edited by MilesAndMore: May 4 2010, 11:44 PM

oh.ya lo,they will credited back into my account.i notice it now from the screen shoot u compare...xD.

i will read the previous thread nx week,having a final exam this week.

thank you.i will wait another few more days for the online transaction,then is there any problem,i will come back here again.