Good for you then 👍

Unlucky for me.... Probably 🤔🧐
Using for past 20 years... Earlier days okay.. past few years not good... Maybank also have issues but not serious like CIMB.....

I have an active UOB and Citibank SG account for more than 10 years.

Citibank SG is sucks on their apps and internet banking

UOB so far doesn’t have any issue. Their VISA debit card both can be use online and oversea store

but I see UOB SG side so many many bank account hacked

It’s more like the account holder gave away their OTP to hacker.

anyone is it possible to open a SG current account without going to branch/remotely/online?

Search the previous replies. Lots of guides and instructions provided by members.

not possible since u dun wanna do it physically or online. how else?

Just to inform Maybank SG users to check if there are any fraudulent/unauthorized transactions with your debit cards.

I noticed someone stole hundreds of SGD from my account via unauthorized debit card transactions with merchant names like MyPerfectResume.com and BLS*MYHeritageLtd.

Have to call Maybank SG Customer Rep. to deactivate my debit card and now need to submit a dispute resolution form to claim back my money...

If the "stolen" amount is small (e.g. 5 SGD), no email notification will be sent, but if the amount is large, e.g. hundreds of SGDs in one go, then that will trigger an email to your account.

So, it's best to login and check your account often.

This post has been edited by TOS: Jun 5 2023, 11:11 PM

Just wondering, have you used your debit card for any online purchase before?

I never activate any of my sg cards.

I don't recall using it for any online purchase (maybe flight tickets to SG once or twice before? can't remember...).

I am sure that:

1. I have not been using my card since August last year after I returned to MY/HK from SG.
2. I used it to pay for my SG buses and MRTs fares last year during my 2-month stay in SG.
3. No suspicious/unauthorized transactions for my DBS and CIMB SG accounts/cards.
4. I don't tie my cards to any e-wallet/Google/Apple/Samsung Pay services.
5. I have not downloaded any apps outside of Google Play Store on my Android phone.

I will be closing my Maybank SG account in light of this recent event. Getting tied 500 SGD there plus risking such issues just doesn't make any business sense.

Oh DBS "Platinum" card also never activate?

True also lah if you stay in MY often not travelling to SG then not activating the card makes sense from security point of view. I have also closed my HK Hang Seng Bank account and locked my Mox bank card all the time. Now with only one HK bank account, easier to monitor things.

This post has been edited by TOS: Jun 6 2023, 10:54 AM

All cards get hacked regardless of banks or provider I kena on bigpay before USD10/transaction multiple times for Facebook marketplace.

I never activate any of my sg bank cards.

Can't find a Youtrip thread, so I post this news here.

Introducing Youtrip 2.0

https://www.hardwarezone.com.sg/tech-news-y...le-pay-and-more

1. Now there is an additional virtual card alongside the physical card. A kill switch added for you to select which card to "kill"/lock.

2. This is a game changer.

From 15 June 2023 onwards, the physical card now has a waiver on overseas ATM withdrawal fees. YouTrip users can withdraw up to S$400 from overseas ATMs in one calendar month without incurring fees. You could withdraw more than that, but withdrawal fees apply after your first S$400. Also, you still have to pick “withdraw in local currency” to avoid DCC, but that shouldn’t be a problem for frequent travellers.

-----------------------

Since Youtrip converts at market rate, this means you may now convert up to 400 SGD at interbank market rate (0% spread) and withdraw at ATMs abroad.

https://support.you.co/hc/en-us/articles/36...red-by-YouTrip-

This post has been edited by TOS: Jun 13 2023, 09:13 PM

I just login to my Youtrip account. The virtual card is automatically added for you. Make sure you lock it if you don't use it. (It's not locked automatically by default).

This post has been edited by TOS: Jun 13 2023, 09:34 PM

Hi Bros wanna open a CDP in Sg for the SG Reits. Saw on SGX and some comments here to open a CDP in Sg need either a Work permit or a Student Pass right? If old student pass Fin can use anot? from what i know the Fin is stuck to you for life since i went back sg for short course also got the same Fin No few years ago.

got a acc with account with posb bank that still valid tho no much money think that okay. can just dump some money in if needed

also wanna ask seeing ppl say FMS Sg.... google only show FMSone only. same thing???

This post has been edited by GretZeit: Jun 16 2023, 08:55 PM

You should have opened a CDP account with your Pass when it's still active. I am not sure if CDP office will check the validity of the pass when they check your applications. You can give it a shot though.

Didn't know FIN is stuck with me for life. Thanks for info.

Good that you have an existing POSB account. With digibank app, you can straightaway open DBS My Account easily.

Err it's called FSM SG (FSM = FundSupermart). FSMOne is their new brand name (to emphasize multiple products like stocks, bonds, and cash management solutions under 1 roof). It's previously called FundSupermart when it only offered mutual funds/UTs. The parent company's name is iFAST listed on SGX (stock code: AIY). FSMOne is the B2C business segment. It has B2B segment as well. For more info: https://www.ifastcorp.com/ifastcorp/investo...ationsHome.svdo

iFAST has B2C business in many countries in Asia, so there's FSMOne MY, HK, SG etc.

This post has been edited by TOS: Jun 16 2023, 09:09 PM

Don't bother with CDP unless you have sg address. If you got no singapore address you can't participate in rights or placement even with CDP acocunt.

To participate in rights or placement use custodian broker like fsm or Moomoo.

Btw keep in mind investing in Singapore reits will and shall make you the atm every once in awhile. So yeah prepare for that. If you are not prepared to be ATM, don't invest in reits.

For me I already sold all my reits as I don't want to be an atm to my reits. I want my companies to be my ATM and not the other way around.
If you broaden your horizon, you will know there are lots of companies paying REIT like yiled with only payout of day 40-50% Vs reits at 90%.

If a company with dividend payout of 50% and paying 5%p.a, Vs a REIT with payout of 90% and paying 5%p.a the company is superior to the REIT in every way.

This post has been edited by Ramjade: Jun 16 2023, 09:48 PM

LOL bro too young and during then most ppl think this type of things are for "RICH" ppl. Not too "investor" Savvy during that time also. I am not sure if it changes if you get a work permit but i doubt it since the Fin is like a IC number don't see the need to change it.... but i have been stuck with it for 20 plus years.

thanks for the correction and info lol. a friend recommend rakuten trade too so looking up a few



Address no problem can just use my sis places lol. same place as my student pass too if they need to check.

but thats interesting you mean the Reits will take money from you? how the heck does that works? Sorry still new and most of my knowledge are from online.

personally i was considering between reits and gov bonds or similar but tot reits seems more long term? saw some sgs bond with payout but have a time period 5 to 10 years or so I might have misunderstood tho. what i wanted to do was just put a certain amt in reits and just let it stew till kingdom come if that made sense. did consider company but have to study more into it

Eg like wilmar. I think payout only 30%+ and paying 4%+ and growing dividend by around 10%p.a. That's means if you don't add any money, your current dividend next year will automatically increase by 10%p.a. Reits increase their dividends by 1-3%p.a if you are lucky.
It's a better buy Vs reits.

Look at the news recently. Lots of reits did placement in the past 1 month. That's how they ask money from you. If you don't participate, your dividend will decrease (diluted).

This post has been edited by Ramjade: Jun 17 2023, 12:23 AM

Going to SG in Late July. Will close my Maybank SG account.

I am thinking of opening either OCBC or UOB account as a backup local SG account in case DBS system went down.

Any comments on OCBC vs UOB? (Leaning towards OCBC as there's a branch on NTU's campus. But all 3 local banks have ATM on campus so not much of a problem)

DBS keeps spamming my cousin's SG address mailbox will T-bill notification letter every 2 weeks. I feel sorry for him.

OCBC and UOB don't send physical notification letters, an advantage, opportunity cost is 1k SGD tied-up inside OCBC/UOB account. Just don't know whether to choose OCBC or UOB?

Past users can share experience? Or sifu Ramjade ikanbilis?