I just called CIMB whether do they charge any fee if I withdraw my PayPal funds into my savings account.

They told me that there is no such service for savings account..I can only withdraw my funds to my credit card..zzzz

Has anyone successfully withdrew their funds to CIMB account??

Swt la..I already top-up 4 times since last month and there were no problems..this time top-up got problem..waited few hours d..I NEED THAT FUNDS!!!

I called PayPal..they asked me to wait for 24 hours..then only call back or e-mail if my balance is still not updated..

I called CIMB, they said the transaction is successful on their side..so either its RHB or FPX..

May its Sunday today..hopefully everything goes well..I can't wait for 1-2 weeks for them to refund..too f**king long d..

Whoa..luckily I din use CIMB clicks just now. This morning I went to create a RHB account just for PayPal..

Basic Savings Account Option I (No Bankcard annual fee)
16 free monthly transactions as follows :

6 free over-the-counter visits per month
8 free ATM Cash Withdrawals per month
1st 2 GIRO transactions at RM0.50 each thereafter at RM2.00 per transaction

Since I just wanna deposit money and transfer money to PayPal, this is the best option. Moreover no need pay annual bankcard fee

Btw, one question. Usually you guys will get your balance updated or refund from bank?

CIMB told me that they will not refund since the transaction is successful on their side, so since PayPal did not receive the money, it is either stuck at RHB or FPX. I wonder whose fault is it..RHB or FPX -.-

This post has been edited by deejay220989: May 25 2011, 04:23 PM

I did the same mistake for my first top-up. If you topped-up MYR, you cannot convert it to USD and can only use it for MYR transactions. Just withdraw to your bank account, its better if you withdraw more than RM400 so that there will be no charges.

If you wanna do online shopping, top-up USD..

Do not rely on email too much..just call them, then they will send you an email..

You'll get faster replies if you call them

Call your bank regarding this and also call PayPal again. I call PayPal everyday coz of this issue (yes, I have funds stuck too )

It should be instant, within 5 minutes after you top-up. Now you should call PayPal to solve this issue, no use waiting anymore

This post has been edited by deejay220989: May 25 2011, 08:54 PM

CIMB called me today and they told me they will not refund me since the transaction is successful on their side, unless RHB refunds them then only they will refund me

Some will even ask you to wait for 2 days..crazy..

Yup..I've topped-up 4 times successfully eventhough the FPX page states that there is a transaction error..but this week is just bad..

You can call them now, their support is 24 hours!

The money goes like this: CIMB/MAY/other banks -> FPX -> RHB -> PayPal
Since money is deducted from our banks and PayPal did not receive it..the problem should be with FPX or RHB.

PayPal keeps telling me that there is no specified time range when we will get our balance/refund because it all depends how efficient is RHB in detecting our missing funds. My guess is, RHB screwed up..

---

Added on May 25, 2011, 9:03 pmIts safer to use credit card, but if you're doing overseas transaction, you'll have to pay very expensive PayPal fee. I did a transaction once of RM1k++ and PayPal charged me RM40 fee!!

This post has been edited by deejay220989: May 25 2011, 09:03 PM

My solution is..if you're a frequent PayPal user, just get a RHB account

RHB -> PayPal direct

I always choose Personal Payment. According to them, if you use credit card to perform personal payments, they will charge 3.4% + RM2.00 MYR

If Cross-Border Personal Transactions, its 3.9% + Fixed Fee.

How to perform Mass Payment?

If I wanna transfer USD1000,

Using Credit Card, USD1000 + USD 39.30 (fee) = USD1039.30 = RM 3180.26 (current exchange rate)

Using top-up, USD1000 + USD 3 (fee) = USD 1003 = RM3121.34
(last exchange rate I checked for top-up today was USD1 = RM3.112)

Using top-up is cheaper. Moreover, since exchange rate changes often, you have no idea what the exchange rate will be when the credit card company bills you because they do not use the exchange rate when the transaction is done but use the exchange rate when they receive the bill.

I'll try to look up for Mass Payment. Thanks!

This post has been edited by deejay220989: May 25 2011, 10:03 PM

Yea..only PayPal can help..and PayPal needs to wait for RHB's response.

I've called RHB before and they claimed that only RHB customers can only use to PayPal top-up service from bank accounts. I told them that I topped-up from CIMB and it will go through RHB, which is why the RM2 fee is needed and they denied having such service..wtf =.=

I topped-up using RHB today and damn..it was fast and hassle free!!

I recommend this plan: http://www.rhb.com.my/deposits/savings-acc...basic_main.html (Option I)

Why I choose this option?
There is no bankcard annual fee..but limited ATM cash withdrawals. I do not need to withdraw, but I need to deposit cash into RHB account to be transferred to PayPal. So basically, opening this account is free!!

What's the catch?
RHB no longer provide ATM cards, which is needed for this plan. You will need to contact their branch first and ask them if they have stock for ATM card and whether are they able to open this account for you. I went to a branch near my house and they no longer have ATM card, just debit cards. In the end, I had to travel to other branch, but it was worthy

After you open a new account, you will need to wait for 2 days for the system to update your new account information to RHB KL HQ. Then, you'll need to call them to register your handphone number for OTP (TAC) used for online transaction. After they register your handphone number, you'll need to wait 12-24 hours before you can receive the OTP (TAC) SMS.

So basically, after you open your new RHB account, it will be useless for 3 days coz you cannot do any online transaction..unlike CIMB/Maybank where you just update your handphone number via ATM machine..

Btw, transferring funds from RHB to PayPal is direct..since there will be no FPX transaction ID issued. I've asked RHB staff before and she said so far RHB customers do not complain about the PayPal top-up feature..

This post has been edited by deejay220989: May 28 2011, 08:33 PM

Personal to personal no charges UNLESS both accounts are not registered in the same country.


Your fee should just be around USD 1 if using paypal balance..

If I use credit card to transfer funds of USD349 to overseas account..the fee is USD 13.91. I do not think it is a coincidence that the fee is the same as your fee..double check with your friend whether he/she really used paypal balance or credit card..

This post has been edited by deejay220989: Jun 1 2011, 08:42 PM

Hi guys!

I tried my luck calling RHB, they said that they will now entertain non-RHB customers who topped-up but did not receive funds from PayPal. Just give them all the necessary details especially the FPX transaction ID.

I'm not sure whether is it helpful, but at least RHB is doing something now

Oh ya..btw I forgot to inform you guys one thing..

I called PayPal every few days to request for any updates and guess what? PayPal gave me free USD10 top-up to my PayPal account! They say that this is a token to show that they are really sorry for their delay for tracing my funds..although its actually RHB's fault and not PayPal..

So..get your USD10 now!!

Huh? RHB gonna merge? Hmmm..I don't think it will affect the refund process..at least we still have PayPal to refund us..

Refund to your PayPal balance

New update from PayPal regarding my issue..

I actually called them up to inform them that the amount deducted from my CIMB account is inclusive of the RM2 fee. So they double-checked the amount that was in my report, I actually topped-up around RM2.7k, but in the report it was RM27k ===...===

Now I know why it took so long just to find out where my funds are..