One opted for OneToken, cannot go back to OTP. So, not advice to switch now as the platform is damn not stable...I need to use other phone to try. What if the case I do not have other smart phone? Need purchase a fking new phone just because this OCBC onetoken thing cannot work on my current phone?

WTF ocbc...

My advise, use OTP. do not switch to onetoken.

I think I will switch back to OTP. One of the convincing reason for the OneToken (one banker told me) is that, some people use it oversea, and no need roaming to receive sms, just use wifi/internet to get the OneToken from the app...then can do transaction.


I am android user too. Pray that you have no problem. When u have problem and you rushing need to pay people money...that point sure will piss you off.

I called to request switch back to OTP, its possible to be done by the phone operator. Need wait 1 day to update. As my phone cannot run the app at all...uninstall, clear cache, clear data thing all done, just can't use the app.

Since OneToken(they call it soft token) run on app, when app cannot run, and I already reset the app, I cant login to ocbc web as well.

This post has been edited by avinlim: Aug 1 2019, 04:49 PM

1.3% x 3 for this month are credited, it doesn't mean that for the following monthssss will be the same, so please note down and don't keep asking the same questions again & again.

This morning received a call from this number +80394195290 (Scam!!!) claiming that my OCBC credit card is swiped at Maybank ATM for RM7000 bla bla bla... He was able to give my full name and read out the IC numbers correctly.

My instinct tell me its a scam and I did not provide any additional information to him and I hand up after a while.

Please be careful not to give out information even if they can speak out your personal information. Double confirm with bank and the banker told me that several cases reported got unauthorized tranx on other customers account on FIME INC.

That one (03-27268000) is from ocbc telemarketing.

No, cannot. same biller repeated payment consider 1 transaction.

1 mbb 1 ocbc 1 cimb... how consider 5 bills? Its 3 bills only.


1 mbb card 2 payment = 1 effective transaction only.
mbb amex + vs/master payments, yes 2 transaction.

nowadays how many got 100k cash in hand...

why dont you show ur transaction here? let us help why u not meeting the criteria?

lol...nowadays not getting 1.3% also report to bnm.... well done.

The problem is his transactions were not even done on the right month.

Ok, means you do your transaction at the end of july, one posted in july one posted in august that cause your not receiving full 1.3%x 3 for the month of July right?

You are not right that saying bank not capture properly. Its the merchant site, and merchant not doing wrong also.

E.g You swipe your card on 31 August, merchant only claim (settle) the bill on 5 September. Means that bank will be able to post your transaction on 5th September, bank can have an additional note : transaction date.

But base on my test on OCBC bank. OCBC has 2 type, Value date and transaction date.

When I deposit money in bank at 10pm on 10 August, the "value date" posted is 11 August, which means I lose 1 day interest.

On the other hand, I swipe my ocbc debit card on 6 September, the "value and transaction transaction" show in my statement on 10 September. Which means I earn 6-9 September Interests, as my money only deducted on 10 September.

Both cases, should i go for bnm for giving me 1 day less interest? Or complain that my money not deducted on the same day i swipe my debit card? This is how this bank work and theres no wrong o right on the bank.

In your case, If you only swipe your card on 30 July for RM500 or you do 3 transaction on 30 July on late of the day, e.g 9pm 10pm, most probably you will not get the 1.3% interest for the particular criteria.

Just live with it la....dont make people life and your own life hard. Try to be smart consumer is good. But not overly smart customer who dig bone in egg. This make life difficult.

This post has been edited by avinlim: Sep 11 2019, 01:56 PM

I am talking about my own real case, not making any assumption. Well, no point arguing. Go ahead with what you think its your right as customer. Good luck with that.

Good luck

Your answer are yes yes. No advisable to perform @ end of month.

2% charge on boost withdrawal.

Go for OCBC 360. 4.1% easy.

If you r the kind that do investment into mutual fund every months (>RM1000) then you can check with SC for what investment is eligible to the additional 2%. Most people wont go beyond that investment thg la... but its still up to u.

Afaik, ocbc 360, can use credit card and debit card to fulfill the requirement. Just confirm with the banker when opening the account. Ask her to "tag" your card to the account for debit card and for credit card can double confirm with her during acc opening process. should be no problem.

You got inform them that you do the porting thg? Try inform them...and ask their IT to update, should be no problem after that.