Is the app down again? Mine can't load any info.

The app is down now. How long should we wait.

Still down..... damn annoying this BP.

Moving over to a better solution will create downtime during the porting period?

Very good question! Usually financial service provider has multiple back-up servers for migration activities with zero downtime on the front-end. I hope this is the case for BP.

Unsuccessful (i.e. reversed and shown with a strike-through on my app's transaction list) because there was only RM200 in my account while the ATM withdrawal was for RM1,506 (including transaction fee).

Although I didn't lose any money, it is still showing as a (reversed) transaction on MY account and I want to know why.

Plus, how many people withdraw cash from BP at 3.41am?

Any theories as to how the phantom ATM withdrawals (which happened to me and Barricade) happened?

Not bad

not enough annual income to apply 

wow really? too bad dont have credit card currently
sigh, i just used BP to book tix to japan few weeks ago

If u fly domestically then ok to use big pay to save processsing fees la, actually even without travel insurance protection, basic protection still provided by airline for example fight delay etc

Mastercard will not allow online services to charge your card automatically after the free trial period is over

Source: https://www.soyacincau.com/2019/01/17/maste...sle-free-policy

Hey, thanks for highlighting this. I'll send you a PM so I can follow up. Knowing our awesome CS team and strict procedures, we haven't gotten back to you yet because the investigation is still taking place. Cases like these are complicated and taken extremely seriously. We have a list of on-going tickets that are classified by severity and I'm 100% yours is very high up there. Since this also involves a third party (the ATM company), it takes a bit of time for us to get to the bottom of it. This isn't a PR response, and I'm sorry if we haven't followed up with you even to tell you that this was still on-going. With regards to BNM: don't worry, they watch us VERY closely. Have a great CNY break everyone.

I don't know about you but all my interactions with BP CS have been pretty smooth. Certainly not to the point of being "useless" which IMHO is a very harsh remark to be labelled at.

Not sure if you understand my example or not. And also don't know why you need to be SO defensive about it in a public forum. We know there's nothing illegal in topping up BigPay and then do ATM withdrawal to game the CC reward system. But obviously this will not last forever. Defending it here won't prevent the inevitable outcome

Like I said, BigPay can be less strict because your source of fund is electronically traceable. Only CC or bank transfer, no CDM. But doesn't mean they can just sit on their ass and not need to have some sort of monitoring to detect unusual activity and report to BNM. Anyway, like some forummers pointed out, BigPay will just call you, interview you and ask to show some document as a proof if necessary. Don't need to worry about getting ban/suspended as long as you can give reasonable reason and show document proof.

Real case - in the start when there's is no CC topup limit, my friend did huge $$$ amount with BigPay in 2-3 months (CC points earned enough to redeem flight to London). BP staff called him up and ask for certain documents (salary slips i think). Till this day, he still have his BP card and still churning with the RM10k limit.

That's BP part. Now comes the bank part. On bank side, they will only see "RMxxxx cash is deposited via CDM" right, they won't know the source of the cash, right?

So, depending on what you do, it could trigger a red flag for potential money laundering activities, and then an investigation/report might need to be done and filed to BNM as part of the process. Obviously, big sum money transfer is already by default need to be reported.

In money laundering, there is a process called 'structuring' - read up on that. This is why small amount transactions can be flagged as well. 1 BigPay card to topup, withdraw, and deposit RM9-10k cash with the CDM 3-4 times might seem 'little' to trigger something - but what if it's more than 1 card feeding deposit into an account?. After-all, everyone can apply for BP - be it for their son, daughter, uncle, auntie, grandma, grandpa 

but this is my first time. i really scare so i forzen my card now and unfrozen if i need to use it
nope. it happen after i tried to top up boost yesterday night. the fraud happen this morning.
about uSD 46, so around RM 200
nope. latest transaction before this fraud was Boost top up

have u figure out what's wrong with your balance and transaction records? sounds scary as i always have balance inside and couldn't keep track the balance unlike credit card with monthly checkpoint.

It is almost one month and my ATM withdrawal that not dispensed out from machine is still not reversing into my bigpay cc account.

I worry if they investigated and claimed the money was dispensed...

Happened to me last year on 8 May, end of July only I got back my money.
Bad luck, happened again earlier this month, after submitting dispute form was told will take up to 60 days.

How such missing cash was happened?

I scared they can't detect or trace the undispensed cash from ATM and the bank or officer has taken the money which was dispensed to another medium when it happened

BP is well positioned to jump on the "neo-bank" wave, as it already has a presence among the early adopters of fintech (aka forumers in this channel)....

There are already 3 virtual banks in Australia, including insurer ING....and they attract customers by their lower costs and loan interest rates....

Whether it will take off, depends on how much cheaper they can be compared to brick and mortar banks....

Just like BP preloaded MC works out more advantageous to users....how many of you will use it if it's the same as standard bank cc?

Will you move from a 4.5% housing loan to a 4.3% neo-bank loan? 4.1%?

You can ask BP to disclose the details of the RM 3k withdrawal that they claimed right?
At where and when? Which bank ATM? And etc.

this is similar to my once upon a time case. transaction not in downloaded statement. but it was just over rm20. forumers here laughed at me, but i said what if it's a bigger amount? and true enuf, it happened.

wow this issa scary

im using my calculator now to cross check

Happened to me before too. At Public Bank atm... luckily the card came out after 10 to 15 minutes of waiting........

But, it did happened to me.. and i am not sure of the cause.
So, I just share my experience...

So conclusion is to be safe, just withdraw during banking hours and at branch atm with prior success, unless no choice...

same. happened at pbb at sri petaling. cucuk in, waited almost 10 mins. anxious already. just stuck there. then only spit it out 

I thought here already gave you guys warning to avoid RHB and PBB ATM machines.
Not sure if you guys did read it or try to prove something.

fairylord Maybe you would want to add this tip into Page#1