Aeon Watami Visa
Transaction Date: 01-Nov-2014
Posting Date: 02-Nov-2014
Transaction amount: JPY 6350
Amount charged: RM 193.36

Effective rate 1 JPY = 0.030450 MYR
Visa rate 1 JPY = 0.030150 MYR (1 Nov 2014)
Aeon charge 0.995%

yes, online transaction

Aeon watami visa

Transaction Date: 22 Nov 2014
Posting Date : 24 Nov 2014
Transaction Amount : Yen 12400
Amount Charged : RM358.69
Exchange Rate : 0.0289266129
Forex Rate : 1JPY = 0.028640 MYR at 24 Nov

Bank fee = 1%


Transaction Date: 23 Nov 2014
Posting Date : 25 Nov 2014
Transaction Amount : Yen 72000
Amount Charged : RM2073.15
Exchange Rate : 0.02879375
Forex Rate : 1 JPY = 0.028509 MYR at 25 Nov

Bank fee = 1%

This post has been edited by edwardccg: Nov 28 2014, 08:07 AM

I used the rate from visa Europe, is it the same?
I thought the rate is based on transaction date but not poating date?

Aeon Watami
Transaction Date: 27-Nov-2014
Posting Date: 19-Dec-2014
Transaction amount: JPY 67500
Amount charged: RM2009.15
Effective rate: 1JPY = 0.029765
VISA rate 1 JPY = 0.029471 MYR (19 Dec 2014)

bank charge = 0.9976%

This posting sure take quite some time

This post has been edited by edwardccg: Dec 25 2014, 01:00 AM

why the posting date be aug but transact on nov?
the posting could be ealier than transaction date?

This post has been edited by edwardccg: Dec 25 2014, 01:02 AM

Aeon Watami Visa
Transaction Date: 5-Feb-2015
Posting Date: 6-Feb-2015
Transaction amount: JPY134,384
Amount charged: RM4159.02
Aeon Rate: 1 Japanese Yen = 0.030949 Malaysian Ringgit
Visa Rate @ 6Feb2015 (0%): 1 Japanese Yen = 0.030642 Malaysian Ringgit
Aeon charge = 1.001%

Aeon Watami Visa
Transaction Date: 21-Feb-2015
Posting Date: 23-Feb-2015
Transaction amount: JPY139,000
Amount charged: RM4315.89
Aeon Rate: 1 Japanese Yen = 0.031049 Malaysian Ringgit
Visa Rate @ 23Feb2015 (0%): 1 Japanese Yen = 0.030895 Malaysian Ringgit
Aeon charge = 0.49%


Aeon Watami Visa
Transaction Date: 21-Feb-2015
Posting Date: 23-Feb-2015
Transaction amount: JPY57,391
Amount charged: RM1790.83
Aeon Rate: 1 Japanese Yen = 0.031204 Malaysian Ringgit
Visa Rate @ 23Feb2015 (0%): 1 Japanese Yen = 0.030895 Malaysian Ringgit
Aeon charge = 1%

this is my first foreign transaction after GST.
I notice many card was charge 2 % lately
watami consider quite low?

card: Aeon watami
Transaction Date: 27-May-2015
Posting Date: 29-May-2015
Transaction amount: JPY 8040
Amount charged: RM241.20
visa rate : 1000JPY = 29.593644416 MYR (29 may)
Effective rate: 1000 JPY = 30.00MYR
Difference: 1.35%

Aeon watami
Transaction Date: 1-Jun-2015
Posting Date: 5-Jun-2015
Transaction amount: JPY 35550
Amount charged: RM1072.14
visa rate : 1000JPY = 29.95900 MYR (5 Jun Visa USA)
Effective rate: 1000 JPY = 30.15864979MYR
Difference: 0.66%


Transaction Date: 3-Jun-2015
Posting Date: 7-Jun-2015
Transaction amount: JPY 67500
Amount charged: RM2,041.22
visa rate : 1000JPY = 29.94100 MYR (7 Jun Visa USA)
Effective rate: 1000 JPY = 30.2402963MYR
Difference: 0.99%

Is that something wrong on my calculation?
there is visa europe rate and visa usa rate, both seems a little different.
May I know which one should we used ?

Aeon watami
Transaction Date: 18-Jun-2015
Posting Date: 20-Jun-2015
Transaction amount: JPY 13422
Amount charged: RM415.92
visa rate : 1000 JPY = 30.566 MYR (20 Jun Visa USA)
Effective rate: 1000 JPY = 30.9879MYR
Difference: 1.38%

Aeon watami
Transaction Date: 26-Jun-2015
Posting Date: 28-Jun-2015
Transaction amount: JPY 13902
Amount charged: RM429.69
visa rate : 1000 JPY = 30.603 MYR (28 Jun Visa USA)
Effective rate: 1000 JPY = 30.9085MYR
Difference: 0.9982%

You can check for few latest post to see the bank fee different.

Lower is better. So far Aeon watami is a good card

visa usa unable to get the rate, so i use visa europe instead

Transaction Type	Aeon Watami
Transaction Date	08/11/2015
Posting Date	10/11/2015
Transaction amount	CNY 590.09
Amount charged	RM406.83
visa rate @ posting @ 0%	1 CNY= 0.6880646404 MYR
posted rate	1CNY = 0.6894372
Difference	(0.6894372- 0.6880646404 ) / 0.6880646404 =1.99%

Transaction Type	Aeon Watami
Transaction Date	11/11/2015
Posting Date	14/11/2015
Transaction amount	CNY 302.13
Amount charged	RM208.3
visa rate @ posting @ 0%	1 CNY= 0.6881963231 MYR
posted rate	1CNY = 0.68943832
Difference	(0.68943832- 0.6881963231 ) / 0.6881963231 =1.8%

The 1st page need to update. Just called Maybank to enable my oversea card usage and the person tell me visa/master will chaege 2.25% while amex is 2.5%

Transaction Type	Aeon Watami
Transaction Date	24/11/2015
Posting Date	26/11/2015
Transaction amount	JPY 4000
Amount charged	RM147.10
visa rate @ posting @ 0%	100 JPY = 3.4700 MYR
posted rate	100 JPY = 3.6775 MYR
Difference	(3.6775 - 3.4700 ) / 3.4700 =5.97%

Transaction Type	Aeon Watami
Transaction Date	26/11/2015
Posting Date	28/11/2015
Transaction amount	JPY 7050
Amount charged	RM259.27
visa rate @ posting @ 0%	100 JPY= 3.4875 MYR
posted rate	100 JPY= 3.6775 MYR
Difference	(3.6775 - 3.4875 ) / 3.4875 = 5.44%

This is crazy
my calculation wrong ???

This post has been edited by edwardccg: Nov 28 2015, 09:24 AM

it was the same formula used when i calculate for RMB.
i believe is JPY issue, maybe they use the outdated JPY value from visa?
oct to nov is 1000 yen = rm35.5-36
and during Nov end is 1000 yen = rm34-35

I have contact aeon to ask for this issue, they said they will check with me on the admin fee and give me a call back by today. Hope is calculation error for JPY, else i have to use my MBB card for my japan trip.

This post has been edited by edwardccg: Dec 5 2015, 10:16 AM

both my JPY transaction was done in paypal, with option to 'let local bank to handle currency conversion rate ( using visa/master rate)'.
so the amount should charge in JPY to aeon.

at my Nov 26th transaction, post at 28th Nov, the aeon authorize department tell me that they receive payment for 7050yen, with claim amount of rm256, then aeon charge 1% on it to become rm259.

the claim amount they said is submit by paypal based on posted rate at 28 Nov. this mean the rate is not calculate within aeon but from paypal.

then i contact paypal, they mention they submit the payment of 7050 yen from aeon, conversion is done by aeon.

I have now confused.
aeon say check with paypal, paypal said check with aeon. this never ends.

This post has been edited by edwardccg: Dec 5 2015, 03:51 PM

The watami rate looks ok, the high rate might because of paypal ?

Transaction Type	Aeon Watami
Transaction Date	11/12/2015
Posting Date	16/12/2015
Transaction amount	JPY 4020
Amount charged	RM147.84
visa rate @ posting @ 0%	100 JPY = 3.6036 MYR
posted rate	100 JPY = 3.6776 MYR
Difference	(3.6776 - 3.6036 ) / 3.6036 =2.05%

Transaction Type	Aeon Watami
Transaction Date	12/12/2015
Posting Date	15/12/2015
Transaction amount	JPY 8300
Amount charged	RM305.23
visa rate @ posting @ 0%	100 JPY= 3.6022 MYR
posted rate	100 JPY= 3.6775 MYR
Difference	(3.6775 - 3.6022 ) / 3.6022 = 2.09%

Transaction Type	Aeon Watami
Transaction Date	12/12/2015
Posting Date	15/12/2015
Transaction amount	JPY 2160
Amount charged	RM79.43
visa rate @ posting @ 0%	100 JPY= 3.6022 MYR
posted rate	100 JPY= 3.6773 MYR
Difference	(3.6773 - 3.6022 ) / 3.6022 = 2.08%

Transaction Type	Aeon Watami
Transaction Date	12/12/2015
Posting Date	16/12/2015
Transaction amount	JPY 34450
Amount charged	RM1266.91
visa rate @ posting @ 0%	100 JPY= 3.6036 MYR
posted rate	100 JPY= 3.6778 MYR
Difference	(3.6778 - 3.6036 ) / 3.6036 = 2.06%

Transaction Type	Aeon Watami
Transaction Date	12/12/2015
Posting Date	16/12/2015
Transaction amount	JPY 10400
Amount charged	RM382.46
visa rate @ posting @ 0%	100 JPY= 3.6036 MYR
posted rate	100 JPY= 3.6775 MYR
Difference	(3.6775 - 3.6036 ) / 3.6036 = 2.05%

Transaction Type	Aeon Watami
Transaction Date	13/12/2015
Posting Date	17/12/2015
Transaction amount	JPY 6950
Amount charged	RM255.59
visa rate @ posting @ 0%	100 JPY= 3.5657 MYR
posted rate	100 JPY= 3.6776 MYR
Difference	(3.6776 - 3.5657 ) / 3.5657 = 3.14%

Transaction Type	Aeon Watami
Transaction Date	15/12/2015
Posting Date	18/12/2015
Transaction amount	JPY 5076
Amount charged	RM186.67
visa rate @ posting @ 0%	100 JPY= 3.5525 MYR
posted rate	100 JPY= 3.6755 MYR
Difference	(3.6755 - 3.5525 ) / 3.5525 = 3.46%

Transaction Type	Aeon Watami
Transaction Date	16/12/2015
Posting Date	19/12/2015
Transaction amount	JPY 5000
Amount charged	RM183.33
visa rate @ posting @ 0%	100 JPY= 3.5774 MYR
posted rate	100 JPY= 3.6666 MYR
Difference	(3.6666 - 3.5774 ) / 3.5774 = 2.49%

Transaction Type	Aeon Watami
Transaction Date	16/12/2015
Posting Date	20/12/2015
Transaction amount	JPY 6800
Amount charged	RM250.07
visa rate @ posting @ 0%	100 JPY= 3.5774 MYR
posted rate	100 JPY= 3.6775 MYR
Difference	(3.6775 - 3.5774 ) / 3.5774 = 2.8%

Transaction Type	Aeon Watami
Transaction Date	19/12/2015
Posting Date	23/12/2015
Transaction amount	JPY 5389
Amount charged	RM198.18
visa rate @ posting @ 0%	100 JPY= 3.5726 MYR
posted rate	100 JPY= 3.6775 MYR
Difference	(3.6775 - 3.5726 ) / 3.5726 = 2.93%

yes, all physical transaction
come to check all my transaction so far.
the posted rate by aeon was vary from 100 yen = rm 3.6773 - 3.6778
when the actual visa rate drop, the aeon rate still in the same range

This post has been edited by edwardccg: Dec 24 2015, 03:52 PM