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 Debit Card V3

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dannychen
post Mar 9 2017, 03:30 PM

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QUOTE(JuneResources @ Mar 9 2017, 02:49 PM)
You means that I still can get UOB debit card without annual fee as long as my BSA account is non annual fee.
Am I right? unsure.gif
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yes, with limited counter and atm transactions.
noname83
post Mar 15 2017, 05:32 PM

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Given that most banks force people to hold debit cards nowadays, is there any bank that still let people hold a basic ATM card?

If not, is there any bank that offers debit card with zero annual fee?
jfleong
post Mar 15 2017, 06:17 PM

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QUOTE(noname83 @ Mar 15 2017, 05:32 PM)
Given that most banks force people to hold debit cards nowadays, is there any bank that still let people hold a basic ATM card?

If not, is there any bank that offers debit card with zero annual fee?
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Most banks offer that. But you need to ask for Basic Savings Account with no fees
Sometimes the staff will pretend not to know that such an account exists, some till tell you it's only for the poor, some will tell you it has less functions etc - don't believe them
noname83
post Mar 15 2017, 08:20 PM

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QUOTE(jfleong @ Mar 15 2017, 06:17 PM)
Most banks offer that. But you need to ask for Basic Savings Account with no fees
Sometimes the staff will pretend not to know that such an account exists, some till tell you it's only for the poor, some will tell you it has less functions etc - don't believe them
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For this, I purposely call the local banks to find out more.

Affin, Alliance and CIMB do offer a basic ATM card but they charge a certain amount of annual fee.

Hong Leong doesn't offer ATM card anymore and its bank account holders must use its debit cards and must pay annual fee.

Ambank has a type of savings account that comes with a ATM card without the need to pay annual fee. Must check with the branch.

Now only Maybank offers debit cards without the need to pay annual fee.
MilesAndMore
post Mar 16 2017, 11:35 PM

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QUOTE(noname83 @ Mar 15 2017, 08:20 PM)
For this, I purposely call the local banks to find out more.

Affin, Alliance and CIMB do offer a basic ATM card but they charge a certain amount of annual fee.

Hong Leong doesn't offer ATM card anymore and its bank account holders must use its debit cards and must pay annual fee.

Ambank has a type of savings account that comes with a ATM card without the need to pay annual fee. Must check with the branch.

Now only Maybank offers debit cards without the need to pay annual fee.
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CIMB Bank also offers an annual fee free debit card provided it is issued under a non-fee Basic Savings Account. It is the same with RHB Bank, Public Bank and AmBank. I have an AmBank debit MasterCard and it is linked to my non-fee Basic Savings Account and it doesn't have any annual fee.
JuneResources
post Mar 17 2017, 05:06 PM

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Hi, I want to know the charges by using Maybank Debit card if I purchase from online oversea such as US shopping online.

If let say I purchase from US shopping online (let take example USD 100), then how Maybank charge for it? Any service charge if I purchase from US online?
eeeglow24
post Mar 17 2017, 05:13 PM

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Can someone advise me further on my case here. Just opened the basic savings with public bank. But the banker give me the wrong debit card. I ask for Petron visa debit but was given the Mastercard debit card. What should I do now?
But I did insist that I want Petron Debit card during registration.
jfleong
post Mar 17 2017, 05:16 PM

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QUOTE(eeeglow24 @ Mar 17 2017, 05:13 PM)
Can someone advise me further on my case here. Just opened the basic savings with public bank. But the banker give me the wrong debit card. I ask for Petron visa debit but was given the Mastercard debit card. What should I do now?
But I did insist that I want Petron Debit card during registration.
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You're safe. Accounts linked to BSA is free
And the banker is right
Petron Visa cannot be issued with an account. It is not linked to an account
You have to apply for Petron Visa separately if you want to
jfleong
post Mar 17 2017, 05:21 PM

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QUOTE(JuneResources @ Mar 17 2017, 05:06 PM)
Hi, I want to know the charges by using Maybank Debit card if I purchase from online oversea such as US shopping online.

If let say I purchase from US shopping online (let take example USD 100), then how Maybank charge for it? Any service charge if I purchase from US online?
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Use Visa rates + 1% charge
eeeglow24
post Mar 17 2017, 05:31 PM

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QUOTE(jfleong @ Mar 17 2017, 05:16 PM)
You're safe. Accounts linked to BSA is free
And the banker is right
Petron Visa cannot be issued with an account. It is not linked to an account
You have to apply for Petron Visa separately if you want to
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Okay thanks will do that later.

Thanks.
cybpsych
post Mar 21 2017, 08:40 AM

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cybpsych
post Mar 25 2017, 09:52 AM

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cybpsych
post Mar 25 2017, 09:54 AM

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cheesyman
post Mar 25 2017, 03:28 PM

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Just exchanged my old maybank atm card at the branch and was given the maybank ASPIRE Visa MyDebit Card. I asked why its not the regular master mydebit card, the staff said its the same. Free, no charge.

I didnt fill up any application form, just gave my old atm card, my ic, then they asked me sign a form abt issuance of the new mydebit card.

Is it true its free? I dont really need all the extra features, just want to withdraw cash from atm

This post has been edited by cheesyman: Mar 25 2017, 03:31 PM
tonytyk
post Mar 25 2017, 05:32 PM

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QUOTE(JuneResources @ Mar 9 2017, 02:48 PM)
If your Affin Bank is ATM card (with MYDebit Symbol), it should be follow by your BSA (without annual fee). And of course, there is no annual fee for your ATM card.

If your Affin Bank is Debit card (as below picture with MYDebit Symbol), there is a debit card annual no matter yours is BSA (without annual fee)

[attachmentid=8572642]
The Debit card of annual fee is waived for FIRST year, but after first year will charge Rm 21.20/annum.

So if your is Debit card like that picture above, you just get change back to ATM card (with MYDebit symbol) immediately.
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How to differentiate if both with mydebit symbol?
tonytyk
post Mar 25 2017, 06:08 PM

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QUOTE(nicedudette @ Dec 20 2016, 03:54 PM)
New product : Public Bank Union Pay debit card

Fees : RM8.48/year (waived if card is linked to BSA)


QUOTE(moonsatelite @ Dec 20 2016, 05:29 PM)
I've called Public Bank to check on whether if we can link the card to the Basic Savings Account and we cannot do that. We can only get the card through Public Bank UnionPay savings account ONLY.
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So the annual fee can be waived?
tonytyk
post Mar 25 2017, 06:15 PM

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QUOTE(diazepamsulfide @ Mar 25 2017, 06:12 PM)
No. Any reason why you want that card over Master/Visa ?
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That card is useful if you are traveling in china, as visa and master are not commonly accepted in china
JuneResources
post Mar 27 2017, 04:43 PM

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QUOTE(tonytyk @ Mar 25 2017, 05:32 PM)
How to differentiate if both with mydebit symbol?
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See the actual physical card.
The card with Visa/MasterCard, that one have annual fees.

If the card with MEPS only, that one does not have annual fees (for limited withdraw money per month)
tonytyk
post Mar 27 2017, 04:48 PM

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QUOTE(JuneResources @ Mar 27 2017, 04:43 PM)
See the actual physical card.
The card with Visa/MasterCard, that one have annual fees.

If the card with MEPS only, that one does not have annual fees (for limited withdraw money per month)
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So one is with visa/master symbol, another WITHOUT then, right?
JuneResources
post Mar 28 2017, 11:44 AM

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QUOTE(tonytyk @ Mar 27 2017, 04:48 PM)
So one is with visa/master symbol, another WITHOUT then, right?
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Yes, checked yourself at Affinbank website there..

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