Haha tried to go verify my account just now but then only found out branch open till 2 p.m.
Guess it's a sign and I should stick to SC for now. Just have to re-apply for another SC CC and allocating my spending accordingly.

This post has been edited by x3Kai: Sep 15 2021, 06:08 PM

Basically, you can't FPX > RM 10k via PC Web browser. Max RM 9,999.99. Really Horrible Bank (RHB). I was struggling with RHB at one time when i was new to it. No point talking to support, it's a waste of time. AFAIK, you can't do FPX > RM 9,999.99 via web browser. And to transfer money >=RM10k , you need to use the app. Here you can transfer and the secure device approval will also pop up and activate in your mobile. Stupid isn't it? Totally pointless since i am using my mobile app anyway! I feels i wanted to complain but i digress...really gave up on RHB...better not make my blood pressure go up for nothing. Just accept the fact you have to use the app to transfer > RM10k. Usually, i will transfer the money out using the app and then FPX from my other bank account.

The worst thing is when you use the app and the secureplus feature also not working for you. Tried calling customer support but ended they just asked me to perform 9999 multiple times

Is anyone can help me on understanding one of the terms under RHB Smart Account:
To pay 3 bills monthly - Does this includes my payment to credit card bills in other banks? Thank you!

No, cc payment is not eligible for Pay bonus.

https://www.rhbgroup.com/personal/deposits/...ount/index.html

Yield is small, better save in stocks or forex markets.

But of course small yield but low risk.

Tried using their app, the secureplus never work. Not any time.

Cannot compared when it come so to instant liquidity

I have few question regarding RHB Smart account.

I have saving account with a debit card.

Just to confirm, I do not need to go to RHB branch for verification and get a debit card or apply their credit card if I open the Smart account online. This mean I just "Upgrade my saving account" while maintaining my debit card. How about existing saving account?

For Pay bonus, is it qualify if all bill payment is using JomPay to different account number (kindly refer to the example below)?
Is their minimum amount per bill payment?

Example:
TM a/c:00001 RM10 method: JomPay
TM a/c:00007 RM10 method: JomPay
TNB a/c: 10346 RM10 method: JomPay

For Spend bonus, I will be using debit card.
- Does it accept online shopping using debit card? Does it allow pay using online banking (FPX) or need to insert debit card and other card details?
- For retail spending, accept paywave or need to insert the card pin?

forex & foreign stocks do provide liquidity

Not instant because when you sell have settlement time so will be delayed especially during off trading hours

Anyone can help me?

If you hold existing CASA, Smart Account can be opened fully online.

Yes, provided 3 different account numbers. No minimum amount, minimum amount is subjected to JOMPAY billers itself.

Spend bonus must charged to card, be it debit or credit, you charge to FPX would not get spend bonus (FPX will get bonus only for HLB pay & save).

Thank you for the reply.

The Spend bonus is include retail and online spend. For retail spend, does it include PayWave and insert card pin (the card is insert into the pos machine and the cashier need the payer to key the pin)?

Spend bonus is spend as you like, prolonged your card get charged for at least RM 1000 per calendar month; posting must be done within the same month.

AND remember to qualify for SAVE bonus before you can qualify for PAY and SPEND!

This post has been edited by acejlsh: Oct 11 2021, 10:07 PM

For stocks yes, few days. For forex next day withdrawal processing and get funds 24 hours later.

Which already failed as instant liquidity

Instant liquidity means cash on hand or cash liquidable within an hour like FD, Cash Derivities, savings account

Still liquid asset, within one two weeks is non issue. This is where you keep your wealth.