I was short of RM377.10

I remember mine like less than RM10 over. Also got declined after a while even after topping up.

Decommission of services - BIG Prepaid Mastercard.
2 Nov 2018

Please note that the following services will be decommissioned in CIMB Clicks effective 18 November 2018.

- BIG Prepaid Mastercard - registration, reload and auto reload

still got FPX, its still free topup

i just activate my card and transferred all my BIG Prepaid balance to my new BigPay

Anybody uses BP now and transaction failed? I tried twice for online both failed

Edit: apparently BP cannot be used on easybook for whatever reason

Tried using BP for TGV thru Masterpass , it still didn’t work... can add BP into Masterpass , but when paying for TGV , after entering the TAC, it says payment failed , “bank rejected transaction” ... and when use other MasterCard , the transaction went thru ...
I think can already add to Front page that TGV - thru Masterpass doesn’t work since many ppl also reported this issue.

There is 3 times limit for doing so.

Not sure is it per BP card or per account.

Been doing average of 4K transactions on BP so don’t have quota left for withdrawal.

Did top up and instantly withdraw in Australia and NZ without issue like 6 or 7 times over a month period.

If is it true that TGV is intentionally blocking BP-Masterpass then the next advisory is for anyone experiencing this to lodge a report with Mastercard International.  Such 3rd world mentality action should not be tolerated if we want to move forward as a developed country with developed mentalities.

Yea, i have dropped them an email as well as gave them a call.
Also provided few screenshot of my transaction details.

1. Yesterday pending rate = 3.015
2. Today Settle rate = 3.035
3. Yesterday Master Card Rate = 3.012
4. Today Master Card Rate = ???

I realized that 2 days back the Master Card rate was 3.035 as well, perhaps they follow the wrong date Master Card rate.

Master Card portal only has the rate until yesterday.
Will check TMR see what's the rate for today.

Went to SSPN office to enquire. The lady says does not work with SSPN. Her boss says do not accept BigPay
Approval code received.
Money deducted in BigPay app.
SSPN account not updated.

Prudential auto debit keep failing since July. This month somehow able to get through.

Went to HK for short company trip. Hotel and breakfast provided so it's just lunch and dinner, which are spent at hawker stalls which do not accept CC. Before the trip, exchanged some HKD at 100HKD=53.2MYR at my regular money changer in PJ.
In HK, I did spend in a restaurant using BP at the rate of 100HKD=53.303

Afterwards I went holiday in Japan. I didn't exchange money this time as I still have some leftover yen from my previous trip.
At Chitose airport, I withdrawn at 100JPY=3.707MYR at the 7-11 ATM. No charges from Japanese side, except the BP overseas withdrawal fee of RM10.
Over the next few days, I used BP (and M2C AMEX on weekends) for most of my expenses. I was lucky that following my arrival in JP, MYR appreciates and got a better rate as the week went by.
Amex rates was around 3.788 (i checked in my M2U) during my trip.
For BP, lowest was 3.691, highest 3.715 (with two more transactions pending).
Generally, Amex is about 2.5% higher (as per their T&C) but the weekend rebate n TP of 6.25% (6.2? after the TP revision) has the better advantage than BP.
Withdrawing overseas is probably better, if you are withdrawing a big amount. Else, money changer back in MY has good rates for smaller amount, like my trip to HK. However, some users might like to use BP to withdraw if the cashback from CC topup > the RM10 withdrawal fee.

That's my field report on using BP overseas.

Wanted to try just now however that ATM is out of notes

There is another CIMB ATM at KL Central that can dispense RM 3,000 though. It is opposite Bank Islam where there is a few CIMB ATM machines, one of the corner one having a note stating only dispenses RM 50 and RM 100

@fairylord

Maybank at jln hg tuah melaka rm3k atm. Nearest to the entrance.

Cimb hsbc all stated rm10/50 20/50 only. Rhb merdeka permai also max 1500

fairylord managed to withdraw 4k from mid valley hong leong atm

First, I would like to advise members to pay close attention to the forex denomination used when using their cards online/overseas. Cashiers may select to convert to MYR without you realising it - always advise the cashier to select the local currency. (and if the terminal rejects your card then to inform you and not to do something without your knowledge) Sometimes when paying online, the system auto converts your currency and let you know later - again pay close attention to the fine print when using your card online.  This (I believe) would be the root cause most of the forex disputes posted here.

You can't reverse a transaction as you like just because you don't like the currency rate applied to your transaction. The transaction is posted and recorded as a financial process and it doesn't go to BP alone - many parties are involved. If this financial recording process is compromised/tainted then I would dump the provider in a heartbeat. Prepaid / Debit / Credit cards works the same. You may attempt to reverse your credit card transaction with your bank using the same reasoning and see what would be the outcome.  If you don't agree to the currency rate after an unpleasant experience then best you discontinue using it.

I'm sorry but even if you lodge a complaint to Mastercard international, you'll get a reply saying that
1. They use a standard currency rate (forex)
2. To include bank %.

If you want to dispute, then you may lodge a dispute over your transaction and an investigation will be launched. Likely the probability of such going the customer way (unless it is fraud or transaction error) is very very low as all these calculations are done electronically without any human intervention. Likelihood of a miscalculation is very very very low. And if anyone disagree with me on this point, I'm good with that too. I'm a BP user too, wanting the best but I won't ask for the impossible.

Been watching the many posts members arguing about the unfavourable forex rate (bordering wanting a forex "immunity") and I'm keen to see how it develops.
I have used my cc and BP side by side outside of MY and I am aware who is better at their forex rates.

Of course, this thread also helps by educating members on what to look out for. Much can be learned from mistakes by others provided the experiences are narrated with accuracy. Sometimes the posts are sketchy and riddled with holes. (I leave this to our TS to screen out for most of the time)

https://flytrippers.com/never-select-option...urrency-abroad/

looks like we need to be aware of the options selected at the credit terminal and not just simply pass them card and we punch in the pin

there should be option to choose which currency like below



lotsa examples how DCC maybe presented: https://community.monzo.com/t/dynamic-curre...ellers/15919/30

Normally for CC, when you replace a card due to change of feature or card defect, the CC number will still be the same.
Unless your CC is being changed for fraud case, there's a necessity to change the card number too.
The Deposit Insurance System (DIS) is a system established by the Government to protect depositors against the loss of their insured deposits placed with member institutions in the event of a member institution failure. Commercial and Islamic banks that are member institutions of PIDM are also referred to as ‘member banks’.

Who are the member banks?
URL: https://www.pidm.gov.my/en/for-public/depos...s/member-banks/

Coverage of financial products:
Deposits eligible for protection
Savings accounts 
Current accounts
Fixed deposits
Foreign currency deposits
Islamic deposit accounts
Bank drafts, cheques, other payment instructions or instruments made against a deposit account

URL: https://www.pidm.gov.my/en/for-public/depos...verage-for-dis/

Can I swipe all my remaining $$ and top-up on-the-spot and swipe again?

Said that, then it appeared "PREPAID" on the terminal then that guy was like asking his colleague if this can use or not  after I put pin and accepted, also he like hesitant to return my card 

To help you out with the accuracy of this info.

SevenBank ATM is not necessarily only found in 7-11 but you can also find them @ Narita airport (machine can be found at several levels) and Haneda. As MH lands in Narita, I think this should be crucial enough if members wish to withdraw right away after landing. Confirmed SevenBank does not impose any fees although I noticed the conversion seem to differ by about RM6 per RM1K vs XE rate at that point of time. What's important here is the SevenBank ATM withdrawal mechanism & fees for TS to capture. Conversion rate we all agree BP is very very competitive.

The withdrawal above was done @ SevenBank Narita in the morning and did not withdraw @ 7-11 in town.

There are other ATMs in the airport from other banks such as MUFG (I can't remember the other bank I tested) but do be aware that they will charge you fees starting from JP¥108-¥216 for withdrawals on top of BP fees. (e.g MUFG will charge JP¥108 for first JP¥10,000 and JP¥216 for JP¥20,000 and over) 2 ATMs bank's were used in this test, MUFG and another J bank that I can't remember.

Extra
Withdrawal via CIMB Bank Niaga in Indonesia is also fee free but to note that likely you won't get a page displaying the amount (showing the fees, etc). For members considering the withdrawal there via CIMB Niaga, to take note that you may be in for a shock if you are expecting that "amount" page to be displayed before the money comes out.

There is a CIMB Niaga ATM in T3 arrivals located before the immigration counter.
TS, would the above info provide sufficient clarity for your capture? If not, let me know and maybe I could refine it further.

If not wrong seven bank will have charges if u withdrawal after working hours?

Sorry, did not notice that. It might be true. Maybe I should try again during after working hour next time.
I normally avoid doing withdrawal to coincide with MY bank "offline" time which is around 11.30-1pm GMT +8.

Just use bigpay to addon luggage to my flight RM110 but it charged me RM106 only
But now AirAsia site still ask me to pay RM4 . Is it normal and we need to wait few days till BigPay settle the RM2 luggage discount with AirAsia ? Just ignore the RM4 payment ?

trying to use my bigpay to fill in the insurance auto debit form...but when come to the "bank issuer" column...  i don't know what to fill...hmmmm

 

https://www.bfm.my/bg-christopher-davison-b...ed-and-unbanked

1. very elusive on how to monetise the "free" charges.

2. endgame is to give online loan @ 15% interest.

3. BP should be worth between USD 1 - 2 billion in 3 yrs' time.

Actually, Chris mentioned the 15% as a cap that is set by the regulators. But he never said that'd be our rate. Our goal will always to be as low as possible.
Remittance is already in the works, we're working as hard as possible to deliver in the upcoming weeks / months. That'll be big

Lol  Big Pay unable to be used on AirAsia website. Those who do flight bookings today be careful.

Yes. I shared earlier, it was opened on midnight of 12.11 when 1111 just over.
Now mine is permanently to Cybersource but luckily can use BP.

(06:19:46 AM) zstan: Hi. After I made payment, and the money deducted from the card the Air Asia website tells me unable to process payment. Please help
(06:20:15 AM) Michelle: Hi there! We are currently experiencing an issue where our valued customers are unable to make payment on Air Asia's website using their BigPay cards. We are currently investigating this issue, and if you find that payment has been deducted even though the booking is not confirmed the payment will be reversed into your account within 7 working days.
(06:20:29 AM) Michelle: Please accept our sincerest apologies for the inconvenience caused by this matter
(06:23:51 AM) zstan: Any solutions? Use other credit card for flight purchases?
(06:26:11 AM) Michelle: Yes, that is correct
(06:28:21 AM) Michelle: I hope this clarifies things. Is there anything else I may assist you with today?
(06:28:39 AM) zstan: That is all. Thanks.
(06:28:48 AM) Michelle: You're most welcome
(06:36:25 AM) *** Michelle left the chat ***