Ohh ... earlier when you said you withdrew from ATMs in US, I thought you were using non-Citibank ATMs as well. I do know that if you use Citibank ATMs then you will not be charged a single cent extra when you use it overseas. Only the forex exchange applies.

Well ... for some of us who travels to Asian countries, there are occasions where Citibank ATMs are not freely available. In that case, then better to consider using non-Citibank ATMs coz the effort to look for the ATM can be quite substancial. One example is Thailand, Bangkok - correct me if i'm wrong but Citibank ATMs are only available @ their bank only right ?

BTW ... Citibank Malaysia will eventually phase out their old ATM card with the Debit card version. Sorry if this is old news to some.

True indeed. But kind of hard to locate them in the mid-west. Chase Bank is better but too bad Chase Bank is nothing like Citi or HSBC


Actually there are many Citibank ATM now in Singapore. There should be at least one ATM in every MRT station. And if you stay in Orchard Road it's even more convenient, there flagship branch is there


Oh. I have always been under the impression that there is some sort of handling fee for regular Citibanking customers to withdraw money at overseas Citibank ATM. Thanks for clearing that up.


Yes. As far as i am concerned Citibank Thailand ATM is only available at their branch and if i'm not mistaken, there is only one Citibank branch in the whole Thailand right ? Same goes to HSBC. Both are extremely small in Thailand but a whole different case for Standard Chartered. Standard Chartered is quite big in Thailand.

This post has been edited by MilesAndMore: Apr 18 2009, 12:05 PM

Yup ... Bangkok's Citibank is nearby the trains but it is still quite a walk and given Bangkok's humid weather, I'd rather pay the RM12 admin fees. Exchange rates are good and way better than the money changer.

Not sure about SCB but I didn't find SCB ATMs either around the major shopping complexes / BTS stations. BTW anyone know whose rates are better when withdrawing funds using the ATM card - between HSBC, Citibank and SCB.

mine is a checking account. rhye? what is yours
we need to double check if it is the same for savings or not
not sure savings may be charged for overseas transactions
UPDATE: however i heard the exchange rate is not so competitive already
quite high similiar to VISA

------------------------------------------------------------------

you know i am very impressed with Citibank ATM machines, almost same software around the world.
the one of the few very ATM machines (if at all there are others) which actually talks to you in your local currency and foreign currency instead of just letting the system calculate in the background without you knowing the exchange rate.

Let's say you have a malaysian ATM card and you put it into a new york Citibank ATM.

You select Cash Withdrawal, USD $500.
The screen will confirm:

one word, impressive!

This post has been edited by aeronic: Apr 18 2009, 06:57 PM

I was using a checking account back then when I last used my Citibank ATM card overseas. I have converted it to a savings accout and I have yet to try what is the conversion looks like now. My recent trip I used my SCB ATM card and I saw the rates is close to the VISA rate. However it is still cheaper than changing at the local money changer but you don't benefit a lot.

That's why I wanted to exchange notes with those using other banks (or even Citibank) as my only reference now is SCB.

Yeah ... I was pretty amazed by Citibank's ATM efficiency. I know precisely how much are they going to deduct in RM at that point of time.

hye, wah you also used checking account, then we need confirmation from another forumer using savings account who has tried overseas. i guess of course the conversion would be the same but i wonder there would be any service charge imposed.

the malaysian website however says both savings and checking accounts can be withdrwan overseas, so doubt about whether it works or not, but just charges.

Mine's a savings account. I never withdraw any money at overseas Citibank using Citibank Malaysia issued ATM card. I had however, withdraw money using my HSBC Toprate Savings ATM card to withdraw money at HSBC Singapore last year.


Wow. Very impressive indeed. HSBC doesn't show this kind of information on its ATM.


Do you know what kind of savings or checking account at Standard Chartered that do not charge us a cent when we withdraw money via any of their overseas ATM using our Standard Chartered Malaysia issued ATM/debit card ?

I am currently using this E$AVER account. I have to pay RM8/pa for the ATM card and if i withdraw money overseas (be it an overseas Standard Chartered Bank ATM or other bank's ATM), i will be charged RM12 for every successful transaction made.

Let me ask my SCB contact and get back to you guys once I have the info on hand

nak tanya pasal Mol FREEDOM card ni...
betul ke 7-e dah tak jual Mol Freedom ni..?
dekat area saya ada 4 kedai 7-e...
but none of them do sell this card anymore..
the cashier say 7-e does not take this card anymore...is that true??
anywhere else i can get this card?

Thanks. I'm looking for this Standard Chartered savings account that do not charge us a cent when withdrawing money at their overseas branch. I suspect "Privilege Savings Account" could be it but there isn't many info on its website and as far as i'm concerned, we can't simply apply to open this account. I assume we have to be Standard Chartered Priority Banking customers in order to open this account eh ?

This post has been edited by MilesAndMore: Apr 19 2009, 02:55 PM

is citibank has debit card. i wanna to apply it..

Yes, they do. I think it is VISA debit card.

Yeah they do. You don't have to apply for it. Just open a savings or checking account with them and an annual fee free VISA debit card will be issued to you

This post has been edited by MilesAndMore: Apr 19 2009, 08:50 PM

debit card got annual fees la..........haiz

Citibank VISA debit is ABSOLUTELY ANNUAL FEE FREE. While Public Bank VISA Electron and ING debit Mastercard is based on tiered card retail usage.

May I ask if the card can be used for online retails? Sorry for such a n00b question. :/

Maybank Visa debit also no annual fee. If I am not wrong Al-rajhi Visa debit also no annual fee.

Prolly noob things to do. today i use my Visa Electron card for the 1st time to withdraw money at PB atm, apparently don't select "fast cash" if you don't want your acc. balance left $25..took me by surprised luckily there's not much money there

im a maybank debit card holder. i have been working for 5 month and i dun have any credit card.

Now, i want to buy a new CPU but i dun have so much CASH. i would like to do like MBB with 12 Months Installment which the shop offer me.

Is it posible for debit card user to apply like installment plan?(Maybank)

Kindly advice me what i supose to do..

For credit card, the bank will pay off in one lump sum to the retail outlet for the item you bought, which will reflect on your total credit limit minus the amount you bought. If you don't have enough credit limit, the transaction won't go through. And then you pay back each month until it pays off what you owe.

For debit card, it will pay off in one lump sum for the item you bought, using your own money. So what's left for installments? Its your money that is used, not the bank.

This post has been edited by happy4ever: Apr 21 2009, 10:18 AM