Me too. Opened a Maybank savings account in July. Took me 1 hour. Last time when i opened my Public Bank savings account back in 2003, it took less than 30 minutes

Correct. Make sure you have at least RM201 when you want to swipe the card at any petrol kiosk as Public Bank will temporary hold RM200 from your account. The remaining balance will be refunded to you once Public Bank clear their account.

By the way, solarwing, the minimum balance you need to keep in your Public Bank savings account is RM1 only at the time

This post has been edited by MilesAndMore: Sep 18 2009, 09:40 AM

2 - 3 working days normally.

You are eligible for it as long as you are at least 12-year-old. But if you are under 18 you will need your mom or dad to sign some forms as a guarantor.

Agreed.

I think you have mixed up type A and type B. Type A is called VISA Electron and it doesn't come with a savings account while Type B is called Day2Day VISA Debit and you must a savings account with Public Bank in order to be eligible for Day2Day VISA Debit. I have used Type A before and currently using Type B. I personally prefer Type B because the card can be issued right away. Less hassle this way and you will get your card pin number straight.

I was wondering if Public Bank will ever reduce the annual for Public Bank Day2Day VISA Debit because RM12 is a bit high for me When EON Bank first introduced their Debit Mastercard early last year (red color one), the annual fee for it was RM20 a year but then they reduced it to only RM8 a year a few months later after it was launched.

This post has been edited by MilesAndMore: Sep 29 2009, 04:53 PM

And i also think Public Bank should just do away their regular ATM card (the one that is only supported at MEPS ATM). While Public Bank will now issue the Day2Day VISA Debit cards to all their new customers, we can actually still choose if we want the regular ATM card at RM8/pa or Day2Day VISA Debit at RM12/pa. I also hope Public Bank will seriously reconsider the design of the Day2Day VISA Debit Card. I mean the card design is only suitable for teens and young adults. Imagine our 50-year-old mother/father pull out the card from their wallet, that is just weird May be something like the EON Bank debit Mastercard would be great

Totally agree with you. It is so not appropriate Hope they will come to their sense soon.

Yes. It will be declined right away.


I personally did not subscribe for the monthly printed statement. I believe they will charge you RM2 or RM5 a month if you request for it. Actually observing your debit card transaction online is enough. No need for a printed statement.

You need to subscribe to Public Bank online banking. For Public Bank VISA Electron user, you need to manually register or add that account to your existing online banking account at any Public Bank branch. As for Public Bank Day2Day VISA debit card user, you can register for your online banking account via the ATM. If you are not sure how to do it over the ATM, then it is better that you just walk into their branch so someone could help you



No. I mean for Public Bank Day2Day VISA debit card. For Public Bank VISA Electron, a printed statement will be mailed to you every month free of charge.


Yeah. It works just like a credit card. The difference is that with credit card you are using the bank's money whereas you are using your own money with debit card. All credit cards come with a credit line. Let say my CIMB Bank Gold Mastercard has RM10,000 of credit line, the maximum i can spend on the card is RM10,000 only. Once you have used 80% of your credit line (RM8,000) and you want to use it to pay for something that is RM3,000, the payment will be declined because you do not have sufficient credit line.

This post has been edited by MilesAndMore: Sep 30 2009, 10:09 AM

For PBB Day2Day VISA Debit you can apply it via ATM. As for PBB VISA Electron, you need to walk into any PBB branch to get their staff to apply for e-banking for you.

Yes. That's normal. Just like when we swipe our credit cards, the amount charged to the credit card won't appear in our online statement until a few days later. It usually takes 2 - 3 working days.

There is a one-time conversion fee of RM12.

Well, i started using credit card since February last year. Have done many purchase online using my credit card. So far no problem.

It is very easy for one to steal your credit card number. In all the receipts kept by the merchants, they have all your credit card/debit card number printed out on the slip. But don't have to worry too much lah

Yet another new debit card ? That's cool if true. I'm about to close my Maybank savings account as my mom has canceled her AMEX. I do not need a Maybank account for the moment as the nearest bank to my home is Public Bank. Hopefully i'll get the new one should i decide to reopen a new savings account with them next time. And no, i will not give them back my Maybank Cherry VISA debit card when i go to close my savings account with them in November

This post has been edited by MilesAndMore: Oct 4 2009, 03:51 PM

There are many in the market actually. As a matter of fact, Maybank wasn't the first bank to introduce a debit card that links to your bank account(s).

These are the banks that offer either VISA debit card or debit Mastercard that is linked to your account(s) with the respective bank.
- Public Bank Day2Day VISA debit card
- Standard Chartered e$aver debit Mastercard
- Standard Chartered saadiq-$aver debit Mastercard
- Citibank VISA debit card
- UOB Bank debit Mastercard
- EON Bank Combi debit Mastercard
- RHB Bank Cash Connect debit Mastercard

Yeah. That's probably the downside of using a debit card because with credit card, its credit cardholder has a limited liability of only RM250.

If you can show that it's a fraud then yes.

By rights all merchant accepting VISA/Mastercard credit card will also accept VISA/Mastercard debit card

As Nanakopy87 said, it is sort of like a prepaid card.


Huh ? The PBB VISA Electron annual fee is actually more expensive than PBB Day2Day VISA Debit. See below :

PBB VISA Electron
- No PBB savings/current account needed
- Need to wait 2 - 4 weeks to get the card
- Yellow color
- RM24/pa** (annual fee will be automatically waived provided you have spent at least RM1000 in a calender year)
- 0.5% rebate on all purchase
- Need to maintain at least RM25 in your account at all times

PBB Day2Day VISA Debit
- Must have a savings/current account with PBB
- Card will be issued to you right away when you open an account with PBB
- White color
- RM12/pa
- 0.8% cash back on petrol and groceries. 0.3% cash back on all other purchases.
- For those on Plus savings account, you need to maintain only RM1 in your account at all times.

This post has been edited by MilesAndMore: Oct 6 2009, 07:24 PM