Maybe your bank would be super happy if you rephrase this example and tell them this story:

"why you (i.e. Person A) would use another person's (Person B)'s CC [WITH PERSON B HOLDING PERSON B'S CARD, ENTERING THE DETAILS, HIDING IN A SEPARATE ROOM AND/OR USING THEIR HAND TO SHIELD THEIR CARD AND PHONE FROM PERSON A, WHILE PERSON B COVERTLY READS THE OTP PERSON B RECEIVED ON PERSON B'S PHONE AND ENTERS INTO PERSON A'S BP APP] to reload Person A's prepaid card".

Or you can simply adopt your genius transfer suggestion as it is evidently the best and most legal most correct way of doing things.

Which is exactly why the RM10k cap on CC hurts. Instead of buying a Rolex using Maybank CC, it’s way better to top up BigPay with the Maybank CC and buy using BigPay due to the FOREX savings.

Just an example, don’t buy Rolex is Switzerland, it’s one of the most expensive places to buy Rolex in the world.

She already explain multiple times that there are legitimate reasons (especially with family members) for person B to use his/her own card to top up person A's BigPay, but you insist on your own arbitrary interpretation to say this should never be done, there's never a reason, and that it is abusive behaviour.

Not everyone has a credit card. And CCs aren't meant to only be used the way you think is legit.
Posting date is simply the date that the transaction is settled, it is not 'FOR' statement month, the statement month is using it because they can't use transaction date (extreme cases posting date can be months later). In the case of BigPay this is useful because exchange rate which is shown will differ eventually based on posting date, among other reasons.

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.

Hi. Anyone tried to use bigpay withdraw money in oversea?
Aside from RM10, what exchange rate it follows ? Master rate or ATM bank rate ?

This is the cons side of fintech!
No 24 hours CS like banks!

Which bank doesn't 24/7 CS? BSN?

not automatic. you need to opt in

there is a button for u to press.

That's why I don't encourage people to use CC in China, let alone BigPay. The acceptance level is very low over there.

another valid reason to support my guess that the issue is resides at pb instead of telco, is, i can send SMS and received SMS to/from another mobile sim during the "OTP failure time".

Is there a need to receive SMS from BP?
When reload BP in overseas, just need OTP from source of funds, right?

BP apps is down? I m not able to log in.

Hi reoz, I mean is there any foreign currency charge beside the standard rm10 by BigPay. Thanks.

Before u key in the amount to send, u should be able to see the name of recipient, ie the owner of the mobile phone number tied to BigPay account

No mobile number will be shown, it will only show full name eg, if u allow to sync ur contact to BigPay acc, then u will see those contact based on ur save name in ur phone b4 u choose who to send that appear in the list. Then once u select either one of ur contact, at the amount to send, it will display the full name of the acc holder. Eg, I save my colleague name as ABC - Victor in my contact list and it appear as ABC-Victor, but when I click on his name to send, it bring me to Amount page, above the amount will shown the full name of my friend instead of ABC-Victor

I’m not sure about ur app display, but I believe should be same. for me using iOS phone, the name appear at the list when I want to send money is based on what I save in my contact, and when I click on the contact name, next page, ie amount page, it will display the full name of my friend.

Eg. When send money, the list of contact who have BigPay display the name as per contact list, ie Robert Tan (when I save the preferred name in my contact list), BigPay app sync my contact book, so I will know who in my contact has BigPay, next page, where I need to key in the amount to send, it will display the full name, ie Tan Ah Kow. So, I confirm this is my friend, unless u dunno the full name of ur friend.. it is something like bank acc.. u can save as favorite payee name as what u like, but, if u do IBFT, it will show the full name of account holder..

For photo, it is depend on whether ur friend upload his/ her photo as profile photo..

No. 3 is the preferred name that your friend set under account setting. I agree with you it's a mess. BigPay app should show contact list name AND IC name right before you confirm the transaction.

Oh, now, I know where is the Robert Tan come from.. it is the preferred name this Tan Ah Kow set in his BigPay acc.. u go to ur profile > personal details, u will able to set ur own preferred name..

U mean ur friend didn’t even set preferred name in the BigPay as Robert Tan? Then really weird that BigPay able to sync his phone name.