If you plan ahead, since this card can be reloaded using another credit card you can earn cashback which otherwise you would not have gotten.

Early supporters have already received the benefits from using BIgPay for a while now. I think the majority of readers here would have earned much more than RM20 from using BigPay, whether through referral, through cashback on reload with other cards (there's a reason the OP lists which cards have been reported to work) or through exchange rate benefit.

Some, like myself, have benefited from all 3, definitely more than RM20 worth each.

So it's simplistic to say 'kick in the face', especially with (in my opinion) unnecessary changes like paywave. I'd rather they charge for this than they charge for other things (like CC reload for which they're still subsidising us).

PBB as well. And more critical for Public Bank since you actually lose out by topping up Boost.

SCB JOP even if doesn't give cashback it still counts to the RM2.5k target right?

But that's not precisely how SCB JOP works, it's RM85 cap for 15% cashback. So you could reload RM 566.67 to BigPay and spend the remainig 1.933K somewhere else (for example Boost, even though it's not counted online). Or insurance bill, or pay your utilities, or buy yourself some items....

The whole 2.5k doesn't need to be in the 15% category.

I think it's useful to note that for urgent (e.g. chasing good AA ticket price) it's not a problem to top-up using bank transfer instead (no limit).

CC topup can be done at a different date (and then withdrawn) to give just about the same net benefit.

Today morning all 16 reloads went through with no issue, sometime OTP page take a bit of time to load only.

I've selected credit card and it was successful. I think no harm whichever you choose as worst that can happen is error shown only.

Fair point, but I'd assume people who are playing this sort of game (reload to withdraw) don't have serious cash flow issues, so wait a few days is still okay. Not ideal, but won't die la.

Used BigPay on shopee this morning 6+am. No problem, was able to add (ipay88 gateway) and then payment went through. But my mom only had one successful transaction on BigPay last week, then 4 times failed (same item).

Everyone got different tolerance for 'risk' and valuation of money or reliability or whatever.

But if you're losing sleep over missing frunds from online transaction (which tend to be smaller 2 digit amounts) then probably need to learn to relax. Life is too short to lose sleep over small things like that. Wake up then can start complaining again one.

hye is right in this respect, 'never happen' is the only possible standard financial institutions should be held to.

If transactions fail, then they should all the way fail (and it should be clear to user).

There should never be this 'did it go through' uncertainty where money deducted but payment not accepted (or money not deducted by payment accepted). The payment process should be atomic, because the fact is all the backend systems for financials ARE atomic, you cannot have money in two places at once.

You think this thread so power meh? Pretty sure the complaints they got on FB and over the phone totally drown out the few posters here. Of course we would be most 'sensitive' to see things that are here, but CS team would see the whole picture.

No one can confirm for you as despite multiple.requests they havent provided explicit t&c for withdrawal limit. 3k should be okay but if you get barred no one gonna apologise to you later...

You don't care until they block the 2nd account or block your CC permanently. Shopee not as lenient as Lazada to prevent abuse.

Most telco do not charge to receive SMS. Myself and family have done that across various Western European countries and in US, no charge.

Did you hit the 10k limit per month?

At this point I think rates aren't important already, it's been pretty established that they just use xe.com rates on the transaction date to display, then on posting date to resolve. No charges at all

You can withdraw it (rm6 fee) and then pay with that cash.

Previously (months ago) got report that one transaction go through even with not enough. Doubt it, that's a huge risk to BigPay.

Sunday grocery shopping BigPay swipe showed error one time but succeed on second try.

Uh.... this is wrong?

Clearly you can see the middle button of current app design is for payments. Not just split bill, you can scan QR (and show your QR) to easily transfer money to friends (and potentially merchants as well).

Of course I don't think BIgPay has run promos like the other ewallets to get merchants to use. If I'm a merchant and I have this account, why not?