My friend recommends Tune Money. I cannot give my personal experience because just apply and topup. Waiting for the card to arrive at pos office.

Why I choose?

- my friend blacklisted by bank and credit card also can apply
- cheap annual fee RM9.99
- cheap RM2 fee to topup
- ATM withdrawal charge RM1.15 at CIMB ATM
- can view account statement online line M2U
- MOST IMPORTANT can be used for Paypal, need this to purchase stuff from ebay

BTW wanna ask people using Maybank Debit card. If you have insufficient funds when you use, will Maybank automatically take money from your savings account or the transaction halted? Is this true or not since I know for a fact Maybank housing loan, car loan and credit card will take money from you without asking for permission. You cannot dispute the transaction afterwards since it's not credit card and not protected by credit card bank laws.

This is a bit dangerous if your card is stolen or merchants scam you. Better off using a credit card because can dispute right? That is why I personally prefer Tune Money.

Also what about other cards beside Maybank like the PB and AMbank. If you have some experience please do share.