Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

Prepaid Cards BigPay - Prepaid MasterCard (with Mobile Apps) V2, CashBack, BigPoint & Remittance

views
     
honsiong
post Aug 9 2022, 11:18 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(MGM @ Aug 9 2022, 10:41 AM)
Which ewallet in Spore can reload with Malaysia credit card?
*
LOL, "ewallet in Spore", they don't need none hun. EMV payment is the norm there.

You need residency in SG to open most of these accounts first anyway.
honsiong
post Aug 18 2022, 03:27 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(bokbokchai @ Aug 17 2022, 09:07 PM)
I see. Year end wanna go oversea. Any recommendations on cards to use. I see people recommending wise…
*
You should get ALL the cards and bring out 1, keep others in hotel room locker.

If they don't charge membership fees, it's silly to just use 1 card.
honsiong
post Aug 19 2022, 01:29 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(oHkereD @ Aug 19 2022, 01:04 AM)
hi guys, want to ask about BP ATM withdraw, is it still fixed fee per withdraw?
*
RM 10 from bigpay, overseas ATM charge their own fee, then include visa's exchange rate.

If you travel to well know countries, just change at mid valley; unless you travel to countries Malaysians don't go one.
honsiong
post Aug 22 2022, 02:21 PM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(DM3 @ Aug 22 2022, 10:50 AM)
anyone kena fraud charges frm Facebkxxxx, kena over usd 90 with 8 transactions L(
*
Yes, back in 2018, my entire maybank account kena emptied by these fraud charges. The facebook description is a red herring, it has ntg to do with facebook.

Go talk to bigpay now and file disputes, change your card. It happens all the time.
honsiong
post Aug 27 2022, 02:53 PM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(alexgoh2 @ Aug 27 2022, 11:24 AM)
did bigpay reverse the charges for you ?
*
Yes. Took 90 days I think, it's standard for debit cards.


QUOTE(alexgoh2 @ Aug 27 2022, 11:39 AM)
user posted image
Was hit with a USD 10 charge when i was having dinner.

Went online to chat with bigpay customer support to dispute this Facebook charge and the customer service really advised me to wait, saying that this charge might be reversed. I really waited, believing that the customer service had indeed taken note of the dispute and had put a note to it.

A few days later, the charge changed from pending to settled. Received a wishy washy email from the customer service closing the case, i was surprised.

Finally dawned on me that Bigpay got no incentive to take care of your money, so please take care of your money ...

P.S. I managed to save another RM 20 from being robbed by Facebook just after the first transaction.  ( they scammers tried all the way down to USD 1 )
*
Bigpay got no incentive, they are OBLIGED to help you. There is nothing you can do to prevent fraudulent card-not-present charges.

I think ppl in this thread need to be fair to bigpay and educate themselves better on how payment cards work.

There are things bigpay could have done better for example:

1. Customer service
2. Dispute process

There are things NOT caused by bigpay:

1. Fraudulent charges
2. Scams
3. Authorization and Capture processes -- aka pending and settled. Settled doesn't mean it can't be disputed, you just need to file it.

You wanna rant, ok, just know where to draw the lines.


honsiong
post Aug 29 2022, 07:54 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(alexgoh2 @ Aug 27 2022, 04:23 PM)
Hi Honsiong,

I had called Bigpay the next day to follow up with my case, filled up the dispute form and submitted to Bigpay. A few days later, they came back with the below reply.

Its not that i don't want to submit the dispute form, Bigpay doesn't want to follow up the dispute.

Please read the below and evaluate this reply from Bigpay is acceptable from your viewpoint.

Maybe you can advise me how i could have done better.

Thanks.
Hi XXX,

I'm YYY, from BigPay.

Greeting

Regarding your issues , Due to the transaction has been declined , We are unable to proceed the dispute.

We will proceed to the replace the new card to you.

May we reconfirm your shipping address ?

Have a good day! ??

Thanks,
YYY

PSA: Remember, your OTP intended is for your eyes only! It's just as important as your Bank PIN, don't reveal it to anyone. If you've received any suspicious calls/messages, do not share your details and provide us with a screenshot of the number. For a quicker response to your inquiries, please do drop us a message via your BigPay app.
*
Can you screenshot the email? I find it a bit hard to believe their customer support has such terrible punctuations.

If the txn is not pending/settled, then yeah you did not lose monies in the first place, there is no need to dispute the declined or cancelled transactions. You will still need to replace your card if the fraud txn is charged onto your physical card’s account number.



honsiong
post Sep 10 2022, 06:18 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(MystiqueLife @ Sep 8 2022, 05:57 PM)
What's BigPay rate to exchange USD to MYR? There seems to be no way to check without applying a card and use the app.
*
They use Visa rate normally. Set bank fee to 0%.
honsiong
post Sep 10 2022, 08:30 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(shawnme @ Sep 10 2022, 08:17 AM)
Is it still 0%? Great if it is, as I have yet to find an alternative.
Also because I saw something about 1% few days back. Unsure, may be wrong.
*
Bigpay 0%, but visa itself smacks diff spreads on diff days.

You multiply MYR-USD by USD-MYR then you can see there is a spread.
honsiong
post Sep 10 2022, 11:55 PM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(LuckyBai @ Sep 10 2022, 08:04 PM)
You will know if you have used it and then compare the rates
*
Can you show us proofs?
honsiong
post Sep 18 2022, 07:20 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(viktorherald @ Sep 18 2022, 06:38 AM)
Hi all, did not use BP for a long time, and wanting to return to it for the spending analytics and budgeting portion. Can I ask is this is a worthy reason to use it? notworthy.gif

I saw the top-up fees, got cash section (which I won't use) and credit card.

If I understand correctly,

1. More than 1k top-up only will incur charges?
2. Debit card won't incur charges?
*
Just duitnow from your bank to bigpay, no fees at all.
honsiong
post Sep 18 2022, 10:21 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(viktorherald @ Sep 18 2022, 09:52 AM)
Thanks =)

What about the apps interface and features? Do u use it often, and how does it compared to any other app that you may be using?
*
What does the app even do, bigpay's main purpose is to lower foreign exchange rate when we spend abroad. So yeah I am using it daily.
honsiong
post Sep 19 2022, 11:26 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(-kytz- @ Sep 19 2022, 11:20 AM)
How much fees do I save by using BigPay vs a Visa/Master credit card in Thailand?
*
Prolly 1-2% depending on your bank fees. Check your T&C.
honsiong
post Sep 23 2022, 01:35 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(hihihehe @ Sep 22 2022, 06:32 PM)
been using BP for many years when travelling but this time using visa.

no issue so far in europe except some merchants failed with paywave.
*
Many of us travelled to Europe and kena that, haiz. Bring Wise and MAE cards along too then.
honsiong
post Jan 15 2023, 02:25 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(imbibug @ Jan 14 2023, 04:35 PM)
Where is the fee and schedule section on the website? The link in the t&c webpage doesn't seem to be working.

Should I consider any other alternatives to Bigpay? Looking for a prepaid credit card for more safety for online purchases.
*
Assuming you arent eligible for credit cards, Bigpay is a good way to sandbox your debit card. After getting it, set your ATM cards' purchase limit to RM 0.

Otherwise, try your best to get credit cards. If got fraud txn you won't need to lose access to $ for 90 days.
honsiong
post Feb 20 2023, 11:05 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
user posted image

I don't have Wise MY card, so I couldnt test it. But tng card seems to be the most favourable so far, will update % above spot once the txns are captured 3 days from now.
honsiong
post Feb 20 2023, 11:45 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(beLIEve @ Feb 20 2023, 11:41 AM)
I just tried Wise app for sending money. MYR equivalent of $10 is 44.33. Commission is 2.46. Total is MYR 46.79
*
QUOTE(joonh @ Feb 20 2023, 11:43 AM)
Strange how is our rate different. Convert from MYR account bucket?
*
Got extra charges if you try to send to someone's MY bank account directly. If you covnert within ur own account, should have no extra charges.
honsiong
post Feb 20 2023, 11:47 AM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(joonh @ Feb 20 2023, 11:38 AM)
Wise rate today. Wise is different though as you can preload the currency whenever you like.
user posted image
*
jsyk there is a huge delay between my tests and yours, I deliberately made the donations at the same time to offset the fluctuations.

Also bigpay auth & capture amounts differ, bigpay will withhold extra $ as buffer during auth, so kena tunggu 3 days later to get the actual rate.
honsiong
post May 26 2024, 03:58 PM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(kakikopiluwak @ May 7 2024, 07:25 AM)
AirAsia Move app says there is 5% discount if we link BigPay. After I link, there is no discount at all. Is this another scam?

user posted image
*
I cant get any discounts either, no benefits of using bigpay over normal cards ady is it?
honsiong
post Dec 4 2024, 02:42 PM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(-kytz- @ Dec 4 2024, 02:09 PM)
Which card is cheaper to use for transactions in Vietnam in terms of forex rate and fees? Big Pay or Wise card?
*
VN is cash heavy, buy lots of VND notes instead. Many of their hotels will charge 2% extra for card payments, we used a lot of VND cash to pay for hotels + intercity taxis etc.

Use Wise + Apple Pay because you never know if their card readers got skimmer.

VN ATMs are mostly free for foreigners though.
honsiong
post Dec 5 2024, 03:25 PM

Look at all my stars!!
*******
Senior Member
3,182 posts

Joined: Nov 2008
From: KL
QUOTE(laymank @ Dec 5 2024, 08:42 AM)
If you are planning to use for food and transportation, VND exchange is not so much difference to save, to be honest.
I changed about RM400 worth of VND for 6D trip, whenever possible I just used Wise to pay via Google Wallet over paywave, to add another layer of security.
What do you mean by ATMs are mostly free for foreigners? Do you mean there is no ATM card withdrawal fee imposed by the local bank?
*
Yeap, but Wise will still charge conversion fee and extra ATM fee above certain monthly quota. If you live in KL just change a stack of VND cash to pay off hotels also.

3 Pages < 1 2 3 >Top
 

Change to:
| Lo-Fi Version
0.5856sec    0.32    7 queries    GZIP Disabled
Time is now: 15th December 2025 - 05:47 AM