Anyone using HLB?

I suggest you guys should take extra care with it.

Did a transaction which failed and repeat another one. When I find that my account been deducted twice, I called and query. To my surprise, the failed transaction that still list actually gone through.

Their system is really shitty. Their limit is 5K/day and I actually managed 10K (failed + successful). Not only that, they got guts to tell me to call the other party to reverse one of the payment.

Way to go...

HLB really sucks man.

Today HLB platform again got me in a mess. I bought something from Taobao, and paid using the E-banking. It gives me an error saying TAC expired which is weird.

I waited 10minutes and double checked item still unpaid. Went ahead with CIMB which went through just fine (not my first time using CIMB. Decided to try HLB since its my paycheck acc).

Now after 2 hours, HLB showing transaction done successfully. WTF is wrong with HLB platform. I know this is not IBG but previously, I also had one IBG RM5K to another account which failed. I did another and it went through. To my surprise, both also went through and 10K got deducted from my account. Back then, there was a RM5k limit on IBG and yet 10K was transferred. Beware when using HLB.

I never used Instant IBG before, until my friend who worked in PBB told me that its worth it because you can instant confirm the account belong to the recipient. True enough it was worth the 50cents due to this.

I do think that banks have to adopt this mandatory to promote IBG.

I dont really transfer that often. I will pay even if it cost RM1 since going back and forth to banks cost even more. Also it is good for banks so that they can afford to spent to improve security every now and then.