can be cancelled, just click the service name and you will see "cancel" option

No. 2.7% already after such fee

yes, confirmed card number and CVV can be seen in the app. The card starts with 4364 (BIN?)

The way bank credit cards work with TNG is very different. It does not require a real time money deduction from TNG card, instead, it is a credit transaction which means Credit company takes the risk, TNG let you pass the toll first then collect the money from Credit card company later on. That's exactly how Zing card works.

Only less than 25% of Malaysia adults have credit cards and not all credit cards are working with TNG, apparently this cannot be the universal solution.

NFC chip and Paywave chip interfere with each other, and there is no way Visa would agree to do away with Paywave function, so NFC has to go.

There is still a hope that future NFC chip can overcome such interference issue with Paywave chip, only then we can have both NFC and Paywave functions co-exist

If credit card, bank underwrite the risk and that's "Credit" means anyway.

If debit card, risk is managed by such auto reload function once balance below certain threshhold.

Another thing is that TNG uses Mifare chip before for their old TNG card. The new "enhanced NFC card" is using different NFC chip. And that NFC chip cannot work with Paywave at the same time. I am not sure about old MiFare chip actually

If someone able to hack into TNG system, it won't be one victim, it will be hundred of thousand victims. why not just take 2000RM while you can take millions.

Most of these victims either gave their OTP to fraudsters and/or download apk file from unsafe sources which compromised their phones and intercept the OPT. That's why BNM mandates alternative authentification methods in addition to OTP. Glad that TNG commited to do that by Mar'23, 3 months ahead of bank deadline

Yep, gradual rollout, in the end, most if not all users will be able to apply

A small tip, link your TNG card to e-wallet, it will NOT become dormant even you don't use it for more than 1 year. Actually that's the easiest way to check your card balance and with this added benefits, I don't see any reason why people don't link their card to ewallet

If you take a look at the Visa card, it is "Touch and Go ewallet Visa", Not "Touch and Go Visa"......

BTW, not sure whether people knows Touch and Go and Touch and Go ewallet are two different legal entities with entirely different management team and shareholder structure. And they are in very different businesses, Touch and Go is in Toll/Parking business while Touch and Go ewallet is a Fintech which focus on universal payment and digital financial services. It is like AirAsia and BigPay, or Petronas and Setel.

Using GO+ to make payment has no issues, only cannot cashin or cashout. Seems Microsoft Azure Cloud is down which impacted GO+

a lot of reload pin is bought using CC, like from Lazada, Zcity etc...

Reload using Credit Card and PIN got certain restrictions, and if you do excessive cashout, your account could be suspended. Reload using Debit card or FPX has no restriction and will not get banned.

Bank will never allow you to transfer money from credit card to bank account. While ewallet allow you to reload money using credit card, but it also has a function to transfer to bank. That is obviously a systematic loophole. Before regulator totally shut this down, wallet will also do something about it.

1) Yes
2) Why bother in a hurry? "Transferable" will remain transferable, you can transfer it out anytime you want. Only the fresh fund which you want to transfer out and more than 1000RM will subject to 1% fee.

If you use Visa card to make payment, then it can come from either transferable or non-transferable balance (Non-Transferable balance will be used as 1st funding sources, transferable as backup)

If you use Visa card to do ATM withdrawal, then ONLY transferable balance

It will be mandatory for ALL banks by June'23. TNG wallet just did it earlier. So better get use to it. It is here to stay. This is BNM regulation, not optional anymore

It can be only unlinked by face recognition or by CS. SMS/OTP not safe enough

Once you link your new device by using "Face recognition", it will automatically unlink from your old device

1 and 3 should NOT be a problem.

2 maybe, it depends on whether you are using wallet also do other payments besides withdrawal. The key word is "Excessive", if you use wallet for all kinds of activities and withdrawal is a reasonable % of total transaction, should not be a problem. If you use wallet primiarly just to cashout, then it will be flagged.

Going forward, for people who paid 1%, should be ok as least TNG wallet recoup their cost of reload.