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 TnG eWallet Discussion Thread V1, eWallet, PayDirect

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xander2k8
post Jul 6 2023, 02:51 PM

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QUOTE(skty @ Jul 6 2023, 11:03 AM)
with the revision of 8k per month, can they actually sell pin that is higher denomination? like 1k or 2k?

crazy number of times of reload needed if using RM100/RM200. damn tiring.
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Unlikely due to regulations 🤦‍♀️ even now closing the loophole also take a long time to implement due to regulatory framework
xander2k8
post Jul 8 2023, 03:36 PM

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QUOTE(chukahae @ Jul 7 2023, 09:11 AM)
Thanks. I need to find an alternative way to utilise rm1 voucher from A+ check in as zus rm5 is gone. Is there a weekly limit for shell voucher?
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No limit so don’t worry too much
xander2k8
post Jul 8 2023, 04:32 PM

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QUOTE(KCY3701 @ Jul 8 2023, 04:24 PM)
Just ordered the Enhanced TNG NFC card. Can the non-transferable balanced be used to top up this TNG card?
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Yes as long as balance in the EWallet with minimum rm10
xander2k8
post Jul 18 2023, 04:20 AM

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QUOTE(pokemon @ Jul 18 2023, 12:24 AM)
Credit card is useful for cash planning.
Malaysians have too many debt commitment and bank account is drying up with MYR depreciation.
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Only if you have the cash and the cash flow to back it up 🤦‍♀️ if you have cash you need to learn manage cash instead rather than relying credit card as it is a debt trap

Malaysians have too many debt commitment lies in one thing 🤦‍♀️ borrowing beyond their means with inflating their wages while everything is on credit without actual cash to back it up and the only thing in life you should buy on credit is house 🤦‍♀️ and bank accounts are drying up is because they don’t how to invest or invest in bad stuffs and don’t blame RM depreciation because they don’t invest and only think about saving in RM
xander2k8
post Jul 28 2023, 04:32 AM

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QUOTE(#Victor @ Jul 27 2023, 11:16 PM)
is cross-border payments using the Alipay+ classified as transferable balance or non-transferable balance for PIN reload?
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All pin reloads are now non transferable already 🤦‍♀️ so it doesn’t matter anymore
xander2k8
post Jul 28 2023, 04:34 AM

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QUOTE(potatobanana @ Jul 28 2023, 02:45 AM)
Was just thinking, since there are many hoo-haa on TnG reload limit / extra charges etc....

Would it worth to change to other e-wallets? boost? grabpay?
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GrabPay doesn’t offer any points or low points for non grab services so doesn’t worth it anymore 🤦‍♀️ at the end of day when it is competitive they will start copying each other rewards mechanism
xander2k8
post Jul 30 2023, 03:37 PM

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QUOTE(pokemon @ Jul 30 2023, 12:45 PM)
Transfer can evade tax as revenue because Merchant account is assumed as revenue?
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If that the case even bank transfer can evade tax 🤦‍♀️ IRB doesn’t care on how the revenue is from but they care whether is it coming in for taxable

QUOTE(sjz @ Jul 30 2023, 02:50 PM)
don't think it has come to a point where the tax officer will check personal tng ewallet, not yet  biggrin.gif
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They have access to DuitNow so they can audit easily for EWallet transactions 🤦‍♀️ otherwise how do you think Duit Rahmah mechanism giveaway works
xander2k8
post Jul 30 2023, 06:14 PM

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QUOTE(sjz @ Jul 30 2023, 04:30 PM)
are you implying transfer between 2 tng ewallet account is using DuitNow?  doh.gif  doh.gif
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Unless you scan TnG QR you wouldn’t know the mechanism being used 🤦‍♀️ and even if use that method they would know because you are registered and verified user
xander2k8
post Jul 31 2023, 12:45 PM

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QUOTE(dark_axl21 @ Jul 31 2023, 10:21 AM)
So my 'non-transferable balance' won't work on those TnG DuitNow QR codes right?

Many small vendors are just using those QR codes with the TnG frame.

Really no point using TnG eWallet besides the in app payment options.
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Yes and now before you need to check the DuitQR provider before scan otherwise will fail 🤦‍♀️ and people will start using cash with this new policy from TnG so a loss to them
xander2k8
post Jul 31 2023, 07:56 PM

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QUOTE(socratesman @ Jul 31 2023, 06:36 PM)
Okay - so if i only have non-transferable funds in my ewallet, and i bad luck encountered/scan one of those small-time hawkers that use the "transfer" QR,  payment will fail ? with what error?
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Simple error message 🤦‍♀️ transaction failed

QUOTE(tvcat @ Jul 31 2023, 06:40 PM)
For sure it will fail. error? fail is fail.

Don't understand your logic.

non transferable fund mean non transferable.

REad the post above you, you will know if it is a merchant QR or not before hand.
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The way he posted question 🤦‍♀️ that is his logic when a simple ask of the error message will suffice
xander2k8
post Aug 3 2023, 02:47 PM

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QUOTE(ronnie @ Aug 3 2023, 01:41 PM)
Is it useful ? I've never found use case for the number-less card.
every place i go accepts TnG eWallet.
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Useful 🤦‍♀️ for places that has no internet connection for EWallet, online transaction and foreign currency transaction

QUOTE(BuKeYi @ Aug 3 2023, 02:37 PM)
cannot la, haha

if meal RM18.5, tak kan I buy RM10X2 give him  sweat.gif

rugi wei
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Then use 🤦‍♀️ own wallet instead
xander2k8
post Aug 5 2023, 12:14 PM

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QUOTE(tvcat @ Aug 5 2023, 12:08 PM)
I see, thanks for the info. Too bad my cash back always hit the limit already lol.

I see that the card has no number, is there any benefit for being no number?
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The card still has number 🤦‍♀️ just that it is not embossed in the card physically but the number is stored in the app itself otherwise how do you think ppl gonna use it for physical and online transaction
xander2k8
post Aug 7 2023, 03:12 PM

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QUOTE(pokemon @ Aug 6 2023, 08:47 AM)
Many spies here...
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Yes the loophole already closed 🤦‍♀️

QUOTE(ClarenceT @ Aug 6 2023, 09:53 AM)
Hmm you never check-in daily and buy A+ vouchers before?

Use -RM0.20 to buy TNG PIN RM1, just need to pay RM0.80? (1x only)

Unfortunately no Shell/Petronas RM5 evoucher is currently available, otherwise use -RM1 so just need to pay RM3.xx.

Recently I am buying KK Super Mart vouchers. To buy roti, eggs or house brand items. (Digital goods not allowed)

You may consider Foodpanda voucher but not so worth it. You can get Foodpanda RM1 and RM3 FOC from daily check-in. The Foodpanda vouchers will be auto applied when you choose TNG wallet to pay at FP App. TNG5OFF is a discount code at FP App. Yes you can use discount code at FP App and use FP cash voucher at TNG App at the same time.

May consider Marrybrown, Family Mart, Zus, Mydin.
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RM3 FP no more already 🤦‍♀️ now TnG wants you to buy the voucher instead

QUOTE(optional1988 @ Aug 6 2023, 10:51 PM)
can convert to transferable balance using some trick.
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Loophole closed already 🤦‍♀️
xander2k8
post Aug 7 2023, 03:41 PM

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QUOTE(knwong @ Aug 5 2023, 09:10 AM)
Tested the method again this morning at 3 different petrol stations back-to-back. All refunded amount become transferable

Shell - using PIN. Refund only comes in 5 mins after finish transaction. 2nd try it doesn't allow even at other pumps
Caltex - using PayWave. Refund is IMMEDIATE after each transaction. Able to transact 5 times then at the 6th tries it doesn't allow
Petronas - Tried PayWave it doesn't work, giving me error that I'd exceeded Amt Limit although I have a lot of fund in TnG

This is going to be fun
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Got transaction limit 🤦‍♀️ of course 6 times will reject
xander2k8
post Aug 9 2023, 05:09 AM

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QUOTE(paogeh @ Aug 9 2023, 03:36 AM)
Guys ,

the TNG VISA Card ....

RM10 card and RM8 annual fee

other that getting the card , using like Bigpay spending at retails with phsical card

may i know what are the benefit getting ? Thank you
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Read the previous posts 🤦‍♀️ as many have posted before about it
xander2k8
post Aug 10 2023, 06:48 AM

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QUOTE(MGM @ Aug 10 2023, 12:28 AM)
Does Lazada set a monthly SPEND limit per account  like shopee's rm4999?
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Yes because it is regulated by BNM hence they have set the limit at 4999 per month and annually 59999 on the wallet itself
xander2k8
post Aug 10 2023, 04:00 PM

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QUOTE(songokujames @ Aug 10 2023, 08:52 AM)
Oic. In my voucher there is a tealive RM2.50 voucher in there for free. And suddenly there are so many voucher there also, got 7-eleven, mcd 15% voucher, ZUS coffee voucher, not sure where I got these all lo
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Loyalty bonus for those frequent users

QUOTE(kuci_mayong @ Aug 10 2023, 12:37 PM)
Just found out tng ewallet has 5 max withdrawal limit. Is there a way to increase this?
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Not possible 🤦‍♀️ because they have set the limit to prevent frequent withdrawals
xander2k8
post Aug 23 2023, 04:24 AM

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QUOTE(Human Nature @ Aug 22 2023, 08:55 PM)
Wah, like that also can. Just RM5000. Bank Negara allows that.
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Nothing to do with BNM 🤦‍♀️ as MBG is TnG value added feature with their own policies as it is not a PIDM member in the 1st place
xander2k8
post Aug 23 2023, 12:36 PM

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QUOTE(ClarenceT @ Aug 23 2023, 12:07 PM)
Easy...
Maybank Savings account = TNG transferable fund
Maybank Credit Card account = TNG non-transferable fund

TNG wallet is a 2-in-1 bank account.
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TNG wallet is not bank account 🤦‍♀️ in the 1st place as they do not have a bank charter to run with

It is more a electronic wallet instead that uses e money
xander2k8
post Aug 25 2023, 11:33 AM

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QUOTE(ClarenceT @ Aug 25 2023, 08:39 AM)
No lah, TNG Digital got the funding from Lazada and Lazada got the funding from Alibaba. Both Lazada and TNG Digital can now stop for a while not to boost up sales figures to attract funding from Alibaba.
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TNG Digital doesn’t need to ask funding from Lazada 🤦‍♀️ when Ant Group owns 49% of it

The reason why is because they want attract another funding while TnG has pared down their stake to other institutional investors

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