OCBC Bank debit MasterCard now too claims to have zero bank foreign exchange mark-up. Anyway, I’m still likely to continue to use BigPay Prepaid MasterCard and Merchantrade Money VISA Prepaid Card when spending overseas as both my OCBC Bank had been hit with fraud before. Nothing happened to my OCBC Bank debit MasterCard as the card retail purchase function is disabled.

https://www.instapaytech.com/benefits.php

This looks similar to BigPay MasterCard. No credit card top-up though.

Anyone here has ICBC UnionPay debit card ?

The account features are exactly the same as OCBC Nuon account. And OCBC Nuon previously was known as Frank.

It was said that if we cancel OCBC debit card, we are going to lose access to instant transfer on OCBC online banking too. Does anyone know if this is still the case ?

Great to know that. Thanks a lot for the information.

Agreed. Opening an account at Bank of China is quite straightforward. No funny thing like please give your employment letter, or payslip and come back later after you’ve received a call.

I see. Was the account opening process at ICBC tedious ? Any supporting documents required ?

Great to know. Thanks for sharing your experience.


It’s using a dedicated security device which is needed every time you want to login. And they do support instant transfer too. For some reason this feature isn’t published anywhere but I had tried it and it worked. Fund was credited instantly. That was from BOC to OCBC. But a number of banks still don’t support instant transfer to BOC.

Layout of BOC online banking is still like from 10 years ago though lol

The size is about the same as the old HSBC security device.


Yes indeed. Luckily it’s still not my primary bank so it’s okay. I just do instant transfer twice to thrice a year to my BOC account now every year just to prevent it from going dormant. And now I am thinking to temporarily cancel my BOC UnionPay debit card until we can travel again, so to save RM8 a year haha

And anyone can share your experience with account opening at Citibank ? Because many years ago Citibank Jalan Ampang requested for payslips too. But someone shared that’s not required at Citibank Penang branch. Anyone else, preferably those staying in Klang Valley can share your experience with account opening service ? Still need for them to mail out your debit card ?

Thanks for the input guys. Appreciate it

Second this. I had non-fee BSA with Public Bank and Hong Leong Bank. Both did not charge annual fee for their ATM/debit cards.


For Maybank it's possible to opt for annual fee free debit card for non-BSA account too. Just that you'll be limited to 4 free withdrawals in a month. But over threshold fee will still be automatically waived if your account balance at time of withdrawal is at least RM5,000, or when you make a lumpsum single withdrawal of RM1,500 or more.

This post has been edited by MilesAndMore: Mar 5 2021, 10:40 PM

If you're on the non-fee option even for regular Maybank savings account, then you will not see the annual fee charged to your account.

If you're on the unrestricted unlimited withdrawals option, of which the fee is RM8 per annum, then you'll be charged upon card issuance and subsequently on the anniversary date.


Yes. It is indeed the highest in town. Before they adopted debit MasterCard, their ATM card annual fee was RM8 too just like most other banks.

RHB Bank actually had the highest debit card annual fee. The already phased out debit card (the one with the cut shaped) had an annual fee of RM20.

Yes, Both are true.

The current Maybank Savings Account-i is actually a regular Maybank Islamic savings account and if you do not want to pay annual fee for the debit card, you'll only get 4 free ATM withdrawals every month. However, 5th and above withdrawal will be automatically waived provided you have at least RM5000 in your Maybank savings account-i at time of withdrawal, or you make RM1500 of cash withdrawal in a single withdrawal.


They both do as i have no-fee Basic Savings Account from the two banks mentioned above. Do make sure you are very clear about it when opening the account though.

1. No

2. Went yesterday. No appointment needed. This however, is not in KV. I don’t know if thing is different in KV.

3. Went to Public Bank Petaling Street twice last year. They weren’t using QMS. RHB Bank is the one using QMS. And yes, it’s a stupid app.