Hi all,

Would like to know if anyone has tried withdrawing money from Australia banks' ATM using BP, and what were the charges involved?
Thanks.

that is pretty impossible to happen.
you are topping up BP with credit card and the cvv is wronged? well, tell us what bank is it?

We're aware of this, and in this case... It's your bank that doesn't do the check. Not BigPay. We send out the information to your bank, and they validate it.

So this is a wrongful accusation by Jonathan from BP.
He accused that it's your bank problem for not doing proper validation.

boost and other's implementation is correct.

when saving cars, card details already been verified and validated thru 3D. then card details are tokenized then encrypted.

subsequent use, no actual card details were transmitted. only an encrypted token. even if u manage to steal the token, it'd be useless. the token then transmitted thru 2D instead. no otp requird because all has been verified during saving card.

but i thought debit and credit card not suppose to choose when insert to the payment device, as long as the card is master/visa/amex, it will be able to make payment since the payment device accept this.

I'll try maybank fcb card next time. I just feedback to scb and pbb cs, scb will escalate the issue and call me back. PBB cs mention no one complaint this issue, because we receive otp even the wrong cvv can went through. PBB will feedback to management regarding this issue and they won't call me back for the result. Seem like the cvv is decoration only.

Mean that ATM maximum can withdraw RM3400 if have RM100 notes.

In Lorong Bunus Masjid India

CIMB - got 1 ATM that can disburse up to RM3k (RM100 and RM50 notes)

Maybank - There’s like 3-4 CRM machine that I think can disburse up to RM3K as well. I tried one of the ATM and managed to withdraw RM3K (no labelling though)

Did BigPay promised you exchange rate lower than mid valley?

Difference of 0.125 u wanna make noise? U didn't factor in the convenience? The lower risk of carrying less cash? The ability to track your spending? The ability to topup BP in case you need to spend more than what u bring?           

The diff is less than 1 percent ...u should compare to master exchange rate not XE

The Master exchange rate is 3.012.
although is 1% , but the ammount is kinda big.

if you are sure that there's not much fluctuation in currency exchange rate over this one day, you may have a point and ask what exchange rate was used. hope it's not some extra charges. nevertheless, it's surprising that it's settled so fast, usually take a few days.

Yea, i have dropped them an email as well as gave them a call.
Also provided few screenshot of my transaction details.

1. Yesterday pending rate = 3.015
2. Today Settle rate = 3.035
3. Yesterday Master Card Rate = 3.012

I realized that 2 days back the Master Card rate was 3.035 as well, perhaps they follow the wrong date Master Card rate.

4. Today Master Card rate = ?

Should use settlement date as comparison.

You should note that the date and time on mastercard conversion site follows US EST. So transaction before 1pm our time and after 1pm will have different rate as well. They update their rate for the day at 2pm EST, so our 3am.

Actually BP has no control in Mastercard exchange rate. Other Mastercards from other banks will give you the same rate too. The difference now is that BP shows you the amount in holding when you make a transaction, and the amount when it is settled. And I think because of this, because of the difference, some users only just realised something that has been happening all these while with other cards too. I have a habit of checking the holding amount when I make an overseas transaction way before there was BP card, and double check on mastercard conversion site. And when the amount is settled, I check the site again and they tally. The difference is that last time I would enter 1.25% at the bank fee portion, but now with BP, it's 0%.

Can you please PM me your details?
Had the same issue, but only on my iPhone. Tried paying on my laptop and went through fine.
No crossborder fees!

Not sure if they had fixed this, but your oversea spending (in this case Aussie) will not be categorized under Aussie's spending until you open the bigPay app. So if you had used the card physically in Aussie first before opening the app and being prompted that message, that particular spending will not categorized in Aussie. Same thing as well when you are back in Malaysia and you didn't launch the app to "inform" the app that you are back in Msia.