2 failed top ups also cannot be happy with the system, your team must ensure zero failure rather than lower rate.

Bigpay uses Cirrus (Mastercard) ATM network, not MEPS. You need to withdraw cash from a ATM showing Cirrus logo.

What is happening on the 27th? 

There is a common thread which caters for credit card and debit card in general.
Let other products be announced in that area. There are reasons we have specific threads for specific products and we also have a common thread for just about everything else.

If I allow wanton announcements/topic contamination (without any relevancy) for everything then might as well we disband BP thread (along with other threads) and lump everything in 1 thread to discuss everything.  Folks ... that won't work right ?

The origin of this section materialised when everyone started getting organised on the contents for credit cards discussion. It is a chaotic situation before this organisation came into effect.
It is the nature of BP product itself - it is Mastercard affiliated thus the withdrawal is via Cirrus network. Same reason if you use your Mastercard cc overseas then you need to look for a Cirrus supported ATM. You definitely can't find a MEPS all over the world. (I think David83 stated this better in the next post)

Because MasterCard is not Malaysian company.
MEPS is from Malaysian company for local banks to integrate together in the network.

Mastercard ---> Cirrus
Visa ---> Plus

You are confused. The ATM will choose a network, local ATM card will use MEPS channel, MasterCard use Cirrus, Visa use Plus, Singapore ATM card use NETS, China ATM card use Unionpay etc.
Both Bigpay and CIMB-Lazada prepaid MC uses Cirrus, the charge is higher than MEPS (RM1/4).

People expect me to give a black & white answer, with clear amounts and frequency, when there aren't two cases that are the same. Things might look similar from a back-end perspective, but then the reality would be completely different.

Imagine if you had friends from overseas visiting you in Malaysia, and one of their kids had a sudden health emergency. Some hospitals won't even treat you unless you pay money upfront, and that can be quite a lot. Insurance will reimburse, but not put money upfront. In order to save some dough, you guys decide that they're going to use their home credit card to top up your BigPay and that you're going to take out the cash at a local ATM. After calculations, it's still a lot cheaper than paying for foreign exchange and mark-up fees and ATM fees...

For a few days in a row, you might have high amounts being topped up from a CC that doesn't even belong to the BigPay account owner with immediate ATM withdrawals. On paper, could that look like a stolen CC being used to take out cash? Potentially.

But the reality is different. That's why our team will always call you first if there's anything that might trigger our system.

It's not that I'm avoiding the topic. It's just that there's no clear-cut answer.

Thanks for this. Much clearer when you state, in essence, that "case-by-case evaluation". Mostly helpful to point out to the kiasu ones here who keep warning of sudden banning of cards if users don't follow some line they imagine exists in the BigPay sand.

OP, could we link this post in post 1?

But i'm looking at my statement for HSBC VS now, i didnt get any 5x points. only 1x points.

yes, wave-enabled.

1st use must be pin-based, then your wave would be "enabled".

the "source lost" is here 

Wow. Wasting my time to read through all those posts that keep repeating again and again the same content over the last few months.

My own fault tho because I decided to keep reading and hoping someone shared something useful.

Never ending discussion of something that nobody other than BigPay can confirm. All are just one’s opinion, theory, idea, assumption, that are based no fact. I really lazy to comment further.

New Update

At 1st post say BP can't use at car workshop, is it only for AMbank terminal?
Have anyone success use it?
Tmr i will try and gv u guys some update.

There are 3 types now: Credit Card, Debit Card, and Prepaid Card (which is quite new to many people)
Educate your friends with this video...
https://www.youtube.com/watch?v=IZuhQqSlhJA

Your friend reject Credit Card as he will pay 0.931% to his bank, but only 0.21% or (MYR 0.70 + 0.01%)
(whichever is lower) for Debit Card or Prepaid Card transactions. Please show the following table to your friends...
https://www.mastercard.com.my/en-my/about-m...nterchange.html

You can find out the card type and issuer...
https://www.bincodes.com/bin-checker/
For Bigpay - 559998.

The terminal/merchant should know after checking the BIN, ie the first 6 digits of the card.

Today when trying to make a payment for Movies in GSC apps. Its end up error. Check my BP balance 29.00. Payment amt is 21.00. Done top up in BP and redo payment to GSC. Its success. Is there any minimum balance to maintain in BP?

i signed up yesterday will i be getting contactless card ?

Just tried to use my BigPay card in T&G kiosk at Bangsar South and it was successful to reload.

Hi everyone,

I just made payment in foreign currency through internet.

However, I was informed by BigPay that regardless if it is local or overseas spending, for every RM20 spent, you will only get 1 point.

Please take note.

Which CC has the highest cashback with the lowest top-up into BP?

Have anyone withdraw using BigPay in Japan before? I’m heading there and just wanna change a very minimal amount here and withdraw there for a better exchange rate.

But I worry that suddenly cannot work or some ATM makan the card then I’m doomed for the trip.

You could always check the rates on the MasterCard website (put 0% as merchant fee) and you'll get the final amount. Do take note that certain ATM charges an additional fee for overseas card withdrawal on top of bigpay's rm10.

For example, I'm currently withdrawing money from bigpay every month in USA to pay my rent(I have someone in Malaysia to topup to my bigpay card in Malaysia). I am charged additional $3 USD by the bank on top of rm10 charged by bigpay so it will end up around additional ~rm23 charge per withdrawal and there's a limit of $500 per withdrawal. Hence the final exchange rate is about rm4.182/USD on 2nd oct ( rm2091 / usd500). However, the rate is still cheaper than having to transfer from Maybank2u/cimb to a local bank account via FTT (last checked, Maybank2u rate was 4.196 and cimbclicks 4.22x)

Will definitely share coz I will be going places that accept credit card. Withdrawal, it is for emergency but I think I will try HSBC bank there.

I'll be bringing few CCs and Debit Card for backup but wanting to take advantage of the rates. Money changer rates here nowhere near as attractive.

Can't find anybody who withdrew in Japan. But i'll sure update once I am back end of the month.

Not all bank charges the same rate for cash withdrawal for overseas card.
I'm using ATM from PNC bank, and it charges $3 PER WITHDRAWAL on top of rm10 charged by bigpay, and maximum amount per withdrawal is $500.
I tried another ATM from Clear Mountain Bank, it charges $3.50 PER WITHDRAWAL + RM10 by bigpay, max amount per withdrawal is $400.
Havent try any other bank other than the two mentioned

for day to day usage in USA, i always use my card to swipe for the best rate, unless i have to withdraw cash to pay for something(the conversion rate becomes higher after considering all the additional charges).
99.9% of the shops/grocery store/mall accepts card payment
i believe the fluctuation of forex rate is minimal and negligible lol. you only refer to that rate to get an approximate amount charged after conversion

yeah all my purchases at Tokyo using BP went smoothly except Don Quijote (all branches). my friend tried withdraw at local ATM, merely charged RM10 only. 

is this useful for online shopping ??

JUst now wanted to top up my Boost, accidentally choose the wrong card and it goes through..[attachmentid=10057942]

nice!

just tried rm10 too!

No additional charges.

Managed to withdrew from atm directly. But please do take note of additional charges imposed by some atm provider.

Airport immigration doesn’t ask about cash. Went in with $500 only. 😆

Melbourne is not so card friendly as it used to be. Many restaurants doesn’t accept cards or imposed additional charges for foreign card so had to use their local cc at times.

just for a question.
just now i ask my travel agent. she say if i use bigpay payment thailand bank will charge me 4% ?
or i get wrong info?