Glad you shared. Another user that experienced the TAC or OTP that never came.

Guys, don’t get me wrong. I’m not saying it’s not useful. It is... but as the above writer says... well, the sms coming in need to be improved.

That’s possible too. But in my friend’s case, it’s not.

I don't know whose fault it is. As for receiver location, we can only depend on the signal strength indicator of our phone. SMS has existed since the first time I got a mobile phone in the nineties. I'd expect it to be the most reliable method of receiving messages.

As I said, the general consensus is "take it or leave it" when it comes to demanding reliable banking service. For example, whenever someone complains how angry he is because the internet banking of Bank A was down without advance notice when he had to do a transaction, he would be chided for demanding 100% uptime.

My old phone samsung phone also same, ever since send to explace battery and reflash, difficult to get OTP. After off, then on, only the OTP some in.

Now before I do transaction I will Off on my phone so that can get OTP SMS easier.

Bank 1 is AmBank, and I think CIMB and probably others too.

Bank 2 is Maybank

Luckily it is very rare case for me.

As usual, Malaysians accept poor service and worse, self justify it.

The banking communicates with the telco. Nobody knows what runs behind the scene unless he is in this field.

If Lazada or Shopee or any merchant fails to process your credit card refunds after certain deadline, do you complain to the bank or Lazada?
As a customer of Lazada or Shopee, do you need to know their refund system works?

Ah, icic. Thanks.

Cimb no, as i am using it. No nid otp to login.

But hsbc yes, damn troublesome. They give a security device which we have to bring everywhere if we want to login.

I forget about the CIMB login, but I remember that transfer money to favorite list still need TAC. I'm no more using CIMB since the company is now using AmBank ( even more rare location )

I transfer monthly salary to my Maybank . More accessible

Then ask ur so call friend to change bank
The bank won't change jus coz of 1 fussy customer
Not everything revolve around you and your fren

my bank islam always become this..use onexox..use maybank no problem..then use bank islam again no problem..maybank more powerful push OTP maybe

encountered this yesterday when I want to top-up my Grab credits. Using online banking, keep failing which maybe due to Grab. Then I tried using Visa/MC, got to the Secure Code page, wait2 for Code but never came. Ask my friend to SMS me, and I can receive immediately. Could it be got issue with SMS Gateway?

I restart my phone then the SMSes came thru but the number from Maybank was +45 20 20 66 33 and not the normal 5 digit. Weird.

With traditional banking, you lost anything. You have to go the bank personally.

With online banking, you lost phone, get a replacement SIM and you are good to go. Telco will only give you replacement SIM if you are the actual owner.

Which is easier for you? Go to bank or go to Telco?

I once have problem with OTP from one particular bank. Bank couldn't resolve it. So change bank.

If you actually loses your phone, you need to go to both.

You’re probably not aware of risk management and customer service. For banking industry, issues like this are high priority. If there’s an issue with the security of banks, they will take it seriously even if it’s just one case because they want to know how extensive is the issue.

It’s good to share whenever we hv these issues to create public awareness and to help one another. The purpose is never to rant and complaint only but it serves to improve the overall service of the banks. For example, it’s good that someone compare between banks and we can see that from our experience with certain banks, we know that their service level is better and don’t rely too much on OTPs or TACs for every thing. Practices of different banks vary and by sharing these knowledge, we’ll be able to choose our preferences. At the same time, be able to recommend positive changes to our banks.

Thanks to all for sharing. Enough of this thread. Bye.

This post has been edited by Amideva: Jun 23 2020, 07:23 PM

yes this method work most of time my otp also always delay and received late / expired this is telco problem until I figure out to use the on airplane mode and off back to push for the sms

If only the bank ceo was in /k