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 Instant Transfer (DuitNow) & Interbank Giro (IBG)

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newtunes
post Jul 18 2023, 11:22 AM

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Did a Duitnow on Pbe, can't go through despite approve via push notification, the transaction now subjected to pending verification status, find faq section now have 12 hours cooling period for pending verification.

Even transfer to own account to other bank also need to wait 12 hours... despite using Duitnow.


newtunes
post Jul 18 2023, 02:15 PM

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QUOTE(sirius2017 @ Jul 18 2023, 11:39 AM)
Ya, they implement this on 22/6.
If you want the transfer to be done ASAP, you can called them at 603‑2170 8000, or email there at casemanagement@publicbank.com.my where they suppose to call you back for verification.

CS from public bank will ask some questions on your account details etc. So get ready all the answers and details of your debit card etc.

Problem if you are in overseas, call can be expensive.
If got FD maturity, better do the redemption at 6.00am when the system is available to provide for this cooling off period biggrin.gif

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If no call them or email them, then after 12 hours will auto go thru? or auto cancelled?

Transfer thru saved favorite ac also pending... , Duitnow serves little purpose if pending so long.
I taught the secure push notification that eliminate SMS OTP already more secure, now even need to have pending?
Big amount like 5 digit may be understandable, but the amount transferred is much less.

Next time, if urgent need to pay for something or someone, I better go to ATM to withdraw. Amount not big, ATM also can withdraw.
Really embarrass if said to someone, I Duitnow you for the payment, then only found out the transaction is pending.
I suggest their system better straight away reject, instead of pending if found suspicious.
At least rejected, I can go to ATM or bank directly withdraw to make for payment instead now hanging in between.
newtunes
post Jul 18 2023, 04:43 PM

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QUOTE(sirius2017 @ Jul 18 2023, 03:50 PM)
PBB could improve their checking algorithm. If transfer is from saved favorite AND same account holder name, should just let it through.
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Ya, agreed.

Create a lot of unnecessary hassle if keep on pending on every new transfer. Some are just transfer between own ac to other banks, like FD matured, and decided to transfer to own other bank ac.

It is not like CS is easily reachable to verify.
Can queue very long. Last time called once CS, waited for 20-30 mins and still keep on waiting, and those call got charges, if one is not under unlimited call plan. That time, waste several Rm and nobody pick up.

Citi did a good job on CS by having live chat. No need to hang on phone, no need to have phone call charges.
newtunes
post Jul 19 2023, 03:51 PM

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Just share experience on yesterday pending verification issue.
Did Duitnow transaction around 10.11 am.
Received only on 11.00pm

 

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