Seems like some of you prefer Flex over 360? Any particular reason?

If basic savings account it is fee free

Yes the final part on document verification and account activation has to go to the branch to activate and collect your debit card and OTP setup and verification

You can’t avoid not going to branch as it is a security measure 🤦‍♀️

Flex no complicated requirements and straight forward usage for those who just need to do basic transactions

I opened HLB Basic SA online 3 months ago using their app. Received account number, mobile and internet banking access on the same day and debit card in my mailbox 1 week later.

No bank visit required.

Completely free debit card? Any fee?

Yeah, Basic SA no debit card fee.

Lower than I expected, I expected at least a 1% since they advertised how "rewarding" it is if you keep money in the savings pot, but 0.75% is still a bit better than an ordinary savings account with little to no interest rate and the convenience of a fully digital process in opening an account.

This post has been edited by xperiaDROID: Jan 20 2023, 12:45 AM

No fee. But need RM20 is lock up for good.

as far as i know, no

take note interest is excluding agent fee which is about 0.01% if i recall. Its in their PDF documentation when you are about to sign-up as part of their brochure. My observation is you will only get the interest when you use their "savings pot". Otherwise if you just leave it in the main account you won't get a single sen of interest.

But I like the convenience of the sign-up process - very fast, the debit card took 2-3 days to deliver and i use it mainly as a secondary bank to link systems like grab etc and transfer minimal money in case it gets hacked etc.

No annual fees for now but if you're an existing al-rahji customer you cannot register yet...(go figure).

Are we still able to open BSA with Hong Leong via online and without going to the bank? I recall it is possible but when I try today, it says need to set appointment.

Yes no need. All done in app with Cashback too last year.

https://www.hlb.com.my/en/personal-banking/...ply-at-hlb.html

This post has been edited by jhleo1: Jan 24 2023, 01:24 PM

maybe you register halfway and system capture as incomplete registration and you need to visit branch to finish it?

I think the service is no longer available for BSA, being replaced by the HLB ewallet SA. That one still can.

Save & Earn Campaign

https://www.pbebank.com/Personal-Banking/Pr...n-Campaign.aspx | https://www.pbebank.com/pdf/Promotions/tc_save-earn-en.aspx

anyone got the cb so far?
seems like not getting it monthly even though not spending on those specific ewallet and everyone month dump RM3k in and spend all RM3k

With Debit Card issuance fee RM8 and Annual fee RM8 or any other fee too, If not spending online not worth right?

The cashback will be credited on end of following month. Eg spending on December, will get cashback on end of January (but i got on 2nd February). For november i got end of December.

From their TnC;
10. Cashback will be rewarded with the 5% Cashback based on the eligible Online Retail Purchases at the end
of each calendar month and will be credited by the end of the next calendar month to the Eligible Customer’s
Promotion Account






yeah true. i still confuse what is the eligible "online retail transaction". I use for foodpanda mostly, seems it is eligible. shopeepay? and just realize lazada wallet not eligible

This post has been edited by matnormyth89: Feb 3 2023, 07:04 PM

did you keep RM3k every month inside or just transfer RM3k in and spend RM1k then transfer RM2k out?

no, i transfer in RM3k (from other bank) and next day i transfer out more than RM2k.

transfer in RM3k then transfer out more than RM2k, then how to spend RM1k?
btw no need keep RM3k inside la, just need RM3k then spend RM1k then transfer out RM2k also eligible right?

This post has been edited by tan_aniki: Feb 3 2023, 08:04 PM