I opened a BSA for my sister at HLB app and RM8 was charged as debit card fee, even my own HLB acc was also deducted RM8 every year.
But in their website they did mention that annual fee for BSA no fee but there is charges of RM8 per card?? Menas i will be charged for getting debit card la? Very confusing
UOB staff also told me RM8 will be charged when i applied for a debit card

You're right, that's the purpose of BSA that's why all banks are required to offer BSA. And contrary to what the other poster said, this is BNM"s policy, not some goodwill/voluntary/charity offer by the banks. However they do it reluctantly by pretending it doesn't exist, it's really difficult, or by obfuscating the conditions to tempt customers to open a regular savings account. From my experience, BSA is never promoted by the bank. It's only mentioned on the bank website under "types of savings account" and in dull/standard BNM style brochure that you can find at the bank.

In your case, I just read above, It seems unfortunate but i think it's really difficult to complain to BNM. Since it will be a case of "he said, she said" and the staff can claim the customer misunderstood or they didn't say that.

In hindsight, if you hadn't folded or agreed to what they said, or ask them to print out a clear letter saying what conditions for BSA is and why you don't fulfil it then maybe you have a stronger chance. Of course you can try complaining to BNM, but i woudn't keep my hopes up.

Another option, if you don't mind the time and effort is now you try to open a completely new BSA at HLB. See if HLB can give any more excuse. If they do, then well ask them in writing or ask permission to record them and see if BNM agrees with them.

Edit to add: My personal experience. Some time ago I wanted to open an account at HLB since my parents have one there, so easier to transfer and manage money. They offer me a regular account, I said I wanted BSA and that was it. So to me it depends on the attitude/culture of the branch staff.

You are very welcome anytime to report to BNM telelink on refusal to open BSA anytime 👏 but action taken all depends on the resolution team

So never try never know

The best way to open a savings account these day is online. Less question asked and instant approval if you are not in a blacklist.

I was at Affin branch few weeks ago and they want 6-months bank statement to open a savings account. The staff insisted on this. I got tired of this and downloaded their alladin app and easily registered an account.

Btw, as you said, my experience was same with Bank Negara..they don't really layan complaints.

I opened a BSA for my sister at HLB app and RM8 was charged as debit card fee, even my own HLB acc was also deducted RM8 every year.
But in their website they did mention that annual fee for BSA no fee but there is charges of RM8 per card?? Menas i will be charged for getting debit card la? Very confusing
UOB staff also told me RM8 will be charged when i applied for a debit card

I opened BSA from HLB app & UOB app..... Debit Card from HLB no charge since I choose the one without fee. For UOB, I managed to find agent code that to open UOB One Account without debit card even the branch dunno can apply without debit card. 

I remember the first option should be "no fee for debit card issuance and annual fee" or something like that on the app as well, some here also reported that they successfully opened a BSA thru HLB app with no fees at all.

Usually banks that allow online application for BSA will state clearly that it's a non fee account, unless otherwise.

I also opened my non-fee Hong Leong Bank Basic Savings Account via the app and had no issue. I helped my mom to opened hers via the same route and had no issue either. No call from the bank and no employment letter or salary slip requested either. Just once account is created, the account number will be emailed to you and you are required to transfer an initial deposit from another bank under your own name and the said account shall be activated the following day. Hong Leong Bank will mail the debit card to your correspondence address for free.

Just found out that Al Rahji now allows online account application using their main alrahji@24seven app too, there's an "Onboard Now" section on the main page and the process seems mostly similar to other banks.

Not sure if this feature has been around earlier or launched in conjunction with their Rize app.

Just found out that Al Rahji now allows online account application using their main alrahji@24seven app too, there's an "Onboard Now" section on the main page and the process seems mostly similar to other banks.

Not sure if this feature has been around earlier or launched in conjunction with their Rize app.

It was before they introduced Rize

bsa?

There should be an option for BSA I guess since it's one of their account offerings, but since there's already Rize that also offers non fee SA, not sure if there's still any reason to go for the main Al Rahji.

Maybe sifu moonsatelite can give some enlightenment on this.

Does opening HLB BSA from app give you clear option to opt for no AF debit card? Must go branch collect or send to home?

Anyone here tried to open HSBC Bank account thru website?

They allow to sign up thru online and proceed to branch for completing the process.

Does the bank staff asked many questions? Since it's considered a foreign bank, I afraid they ask tons of questions.

if u realize, not all banks that offer online opening allow bsa. rize on the other hand also offers 2 type of debit cards, if u read their product disclosure - with fee and non fee. it wasn't asked during application so i dunno they register which by default, but i didn't take any chance and contacted support to have it registered under non fee debit card.

I think the product disclosure sheet used on Rize during registration is the same as the one on the main Al Rahji.

https://www.alrajhibank.com.my/page/persona...ds/debit-card-i

I asked the Rize CS and initially they said it has RM 8 annual fee but after that they said they made a mistake and reclarified that it has no annual fee.

Does opening HLB BSA from app give you clear option to opt for no AF debit card? Must go branch collect or send to home?

Anyone here tried to open HSBC Bank account thru website?

They allow to sign up thru online and proceed to branch for completing the process.

Does the bank staff asked many questions since it's considered a foreign bank

yup i think it's similar - showing 2 options. i applied on the 1st day of launch. so didn't take any chance.

Just curious, how long does it take for Rize to approve after submitting the application?