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

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knwong
post Jun 5 2019, 09:02 PM

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QUOTE(woonsc @ Jun 5 2019, 07:29 PM)
Ahh.. bank rates are pricier, hope that Big pay uses SGD in the future.

Thanks!
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On top of that you will be charge ~3% Foreign Transaction Fee

Not worth it
knwong
post Jun 6 2019, 08:38 AM

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QUOTE(v2_vehooi @ Jun 6 2019, 12:45 AM)
we top up money and spend using bigpay, we will earn airasia big point. But, it seem youtrip doesn't reward any point to holder. which part is better than bigpay?
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It is not any better using Youtrip compared to BigPay. Mine just sitting collecting dust in my desk

1. Credit card doesn't give points when top up
2. Can't use international CC
3. No points when spending using this card
4. Oversea withdrawal kena $5 charge
knwong
post Jun 6 2019, 04:23 PM

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QUOTE(Ramjade @ Jun 6 2019, 02:21 PM)
Airasia points is rubbish and literally useless. Tell me how to u need to spend to be able to utilise the points?

You can exchange money way before your trip. With BigPay you are forced to use current exchange rate. So if rates are cheap,  you can lock in/buy before hand.
YouTrip is memang by SG companoes. So of course they support SGD first. But they are coming to Malaysia soon.
1. I think that you need to blame SG banks for being stingy.
2. BigPay also same. Why would you want to use international card when you can use the card issued by your own country bank? Using another country card to topup is not wise as it incurs additional markup rates by bank.
4. BigPay RM10. They are charing in their currency. So imagine if they come to Malaysia,  they charge RM5.
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1. SG banks are more "progressive" in the sense that they already recognise this kind of e-wallet reload is 'quasi-cash' withdrawal. MY banks just a matter of time they'll close this loop hole

2. BigPay allow international cc reload

4. You are just speculating that when Youtrip launch in MY they'll probably charge RM5 withdrawal
knwong
post Jun 6 2019, 04:38 PM

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QUOTE(Ramjade @ Jun 6 2019, 04:29 PM)
I know about the 1000 points stuff.

If you are asking how to know when is cheap,  just see the price. Is SGD cheap now?  I will say yes when it was 3.2 sometime back.
1. Agreed only matter of time
2. Using overseas card to reload BigPay is waste of money. If really want to use overseas card,  best to get a more international card like from revolut and transferwise caed
3.  Common sense. There's already a competitor offering the same thing as you. How do you undercut them?
By being cheaper,  offer better features.
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When you compare whether a product is superior or not, use current facts. You are just blowing own trumpet when claiming Youtrip and Revolut are better, when in actual fact they are yet to launch here
knwong
post Jun 7 2019, 12:27 AM

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QUOTE(unknownlowyat @ Jun 6 2019, 10:13 PM)
Used bigpay to withdraw Thai baht from Thailand.
Big pay charge RM10 Thai bank charge 260bhat (+-) currency rate at 7.1xx, which currently should be 7.50.
Read review that's use to withdraw currency oversea is good but in this case, my first try, and my last.
Probably juz use it as emergency withdrawal.
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Thai is the most unfriendly country to withdraw

Other countries so far excellent
knwong
post Jun 10 2019, 03:21 PM

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QUOTE(thankyou @ Jun 10 2019, 01:49 PM)
I'm currently standing behind a woman @ HLB MV... Whoever you are... You gotta stop.... It's 7  X 4000 withdrawal now... Zzz
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Bersangka baik... Maybe family medical emergency
knwong
post Jun 13 2019, 12:36 PM

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QUOTE(jefftan4888 @ Jun 13 2019, 11:54 AM)
Forced to purchase above 50 using BP in this shop. Can we report them?

user posted image
user posted image
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How they "force" you?
knwong
post Jun 16 2019, 09:59 PM

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Today marks a year I use BigPay. Here's my summary of it

Advantage:
1. Earned me huge miles to redeem free air ticket to Rome & London for both me and my wife wub.gif
2. Fantastic foreign exchange rate during my travel to Beijing, Rome, London, HK and SG rclxms.gif

Disadvantage:
1.Doesn't support certain online site payment - claimed not 3D-Secure
2. Doesn't allow payment onboard Airasia flight for food and merchandise doh.gif
knwong
post Jun 17 2019, 08:11 PM

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QUOTE(mr_tuzki @ Jun 17 2019, 05:52 PM)
It works, if you don't mind paying the 1.5-2% MDR to the bank.
Also, you have to account for all the income for your business
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Don't know where you get such low MDR. Small businesses all payment gateway charges above 2%
knwong
post Jun 18 2019, 07:36 AM

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QUOTE(mr_tuzki @ Jun 17 2019, 11:30 PM)
Yeah, the debate is between saving 2% using BP, or paying 2% more and earning 5x TP. Theoretically should use cc, as the TP when redeem to miles is worth at least 4-8%. Just painful that we have to choose, compared to last time when we could have the best of both worlds.
I wish they had just limited the ban to e-wallets which allows withdrawals such as Boost & BigPay. They shouldn't include GrabPay, TNG Wallet etc which doesn't allow withdrawals, and thus doesn't have the element of "abuse".
Nowadays MDR rates are quite low compared to 5-10 years ago. All those small credit card machines which links to your phone, for e.g. https://www.mobiversa.com/. MDR is 1.5% for credit card and 0.9% for debit cards.
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A quick Google already reveal the MDR is 2.7% for CC.
knwong
post Jun 25 2019, 12:46 PM

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QUOTE(jiaen0509 @ Jun 25 2019, 12:11 PM)
Is all MRT station supported BigPay? That mean can skip to buy EzLink card?
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All Mastercard and Visa cards can be used on SG MRT now. Even London Tube as well.

But the charges is not S$0.10. That's too cheap. You'll probably get the total amount posted later in the week. I also heard there's additional $0.50 charges on top of the total amount
knwong
post Jul 7 2019, 10:45 AM

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QUOTE(paogeh @ Jul 7 2019, 02:00 AM)
want to ask ,
my sis work in singapore,
she want to transfer SGD back to malaysia.

possible to use bigpay to topup SGD in signpaore ,
and withdraw back MYR in malaysia ?

*Moneychanger/Bank took big cut in the exchange rate.
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Possible. BigPay will charge MYR and her SG credit card will reflect unfavorable exchange rate + ~3% fee

Money changer still better rate. I use Instarem to remit. Better deal
knwong
post Jul 21 2019, 12:07 AM

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QUOTE(majorarmstrong @ Jul 20 2019, 06:19 PM)
Again is all on CC and not CASA
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I tried before 1 cc can reload up to 4 different BigPay account. Perhaps because being the early BigPay adopters. Still using the old non-Pay Wave card
knwong
post Jul 22 2019, 03:12 PM

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QUOTE(IW7IH @ Jul 22 2019, 02:30 PM)
Have anyone answered this?
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Me too I tried withdraw and paid for Oyster card last month. Works flawless

Instead my problems in using BigPay confine to local:

1. Cannot pay for Airasia meal on board their flight
2. Slow in reversing a merchant purchase. The merchant CC failed but BigPay app deducted amount
knwong
post Jul 28 2019, 02:48 PM

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QUOTE(tan_aniki @ Jul 28 2019, 02:35 PM)
but their toilet need coins right?
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Can't you just patron outlet that has free toilet? Like McD?
knwong
post Aug 6 2019, 08:56 AM

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QUOTE(avinlim @ Aug 6 2019, 08:04 AM)
Hope some noob users dont go call cs to clarify that you still get points/cb for your card reload.
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QUOTE(cybpsych @ Aug 6 2019, 08:16 AM)
maybank breached their own T&C.

definitely someone will escalate it to maybank for non-compliance  laugh.gif
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Their internal compliance will sound them off. Thereafter reconciliation of CB and TP will happen
knwong
post Aug 27 2019, 11:39 AM

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I have -RM6.52 in my balance and thinking of ignoring it. Just now received this email. What do you think I should do? :-D

Dear Xxx,

As part of BigPay's commitment to providing the best possible experience for our consumers, we’ve noticed that your account is currently in a negative balance due to the following transaction(s):

Transaction Date: 10-Aug-19
Release Date: 13-Aug-19
Settlement Date: 13-Aug-19
Merchant Name: JETSTAR AIR -AUSTRALIA
Amount: AUD 652.46

Please resolve this negative balance within seven (7) working days from the date of this e-mail.

Should you need further clarification, kindly reply to us using this email thread.
Best Regards,
BigPay
-Anna-

knwong
post Aug 27 2019, 11:43 AM

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QUOTE(CardNoob @ Aug 27 2019, 11:41 AM)
Just cancel the card or close the card.
Free $$$. Case close.
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I'm thinking of asking them to allow another RM10k top up to settle this negative balance, cos no money in bank account. Can or not? :-D
knwong
post Aug 30 2019, 07:29 AM

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QUOTE(abcn1n @ Aug 30 2019, 02:18 AM)
Can we have 2 bigpay account --1 in RM and another in a foreign currency?
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Bigpay cannot deposit foreign currency in it
knwong
post Aug 31 2019, 09:40 AM

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QUOTE(anwa @ Aug 31 2019, 09:34 AM)
That's interesting. I remember many thread back got somebody mentioned that they just keep their money in trust, cannot touch. Yet it seems they earning interest on it.
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You can ignore that guy comment. He's known to blow his own trumpet.

I'm user of Youtrip and Grab Mastercard in SG and also in queue to receive Revolut. Each has their own value proposition and I believe if BigPay launch in SG they can score big.

The money is in trust account

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