Just checked that my "Harimau" saving bank account has freeze by the bank.

Checked in the branch, say saving bank account got in and out quite frequent, but i dont agree as it just average 5 days has few transactions which around 1k, 2k, less than 1k.

They printed out the last transaction that i received, and highlighted it with highlighter, asking what is the purpose of this 2k, and source of fund.

Lastly, the investigation will be done by the HQ and see whether it able to unblock.


I mean, what would be their concern there to blocked my account ?


April 2023:
Bank account has unfreeze, thanks to those who supporting me, and thanks to those who think that I'm creating story and scam around, just believe in Justice okay.

This post has been edited by erdingerbier: Apr 10 2023, 02:23 PM

afraid money laundering or account rented to scammer

This. And saving account don’t uSe for biz, biz use current account

I kena many times they question source of funds, bank in 30k, kena ask, transfer 50k kena ask...

I ask them how come politician 2B masuk never ask?

Harimau bank never kena before but pbb kena once after transfer out 20k everyday for >10 days straight. Just a simple call verification and they immediately unlock the account.

So low amount also kena? Must be from foreign country bank?

When they asked the source of that 2k, were you able to answer?

Scammers and tax evaders running free and bankers coming after our 2k lol

This post has been edited by Natsukashii: Nov 8 2022, 04:02 PM

Its personal bank account, never share with anyone.

The amount you kena has higher than mine 1, usually what you provide to the bank to unblock it?

Malaysia boleh.

Small transactions like that they block . But mule accounts they buta? One day can have so many transactions from gamblers. They don't know?

If i remembered correctly before my account get blocked, he is using mbb.

Everytime got topic same as this, TS never will reveal where the money comes from. It's obvious something that seems impossible to happen to his acc due to some transaction only TS knows that triggered the problem.

scam/tax/laundering probe

Oh i forgotten to share, its the cod selling item to buyer. After handover item then he bank in to me.

He trsf on the spot , or he ask other ppl transfer?

Ayam use tiger Bank current acc always 2-3k in out no problem jer

Like some replies here said, you shouldn't use savings acc

Personal Saving Account?


there u go.



Only Business account will not be flag with frequent tranx

As long u can explain the source of funds, should be no problem.

Alternatively, upgrade from basic account to a current account and they will kacau less. Or move to CIMB, even less kacau.

[CODE]

He walk to a side and smoking cigarette, and shortly afterwards he said transfer done, not sure is he the account owner.

Gg maybe u kena ABC scam...

Already explained to the pengawai, usually source of fund and purpose is the same? I written sell item only

This post has been edited by erdingerbier: Nov 8 2022, 04:24 PM

kicimai 2k alsso they block now?...

next year mebe 1k alsso they block... kekk

biggesst denomination wouuld be rrm20 alreadyy... rm50 wouuld be removed from circuculation.

i suspect either u also victim of scam (ABC scam) or the other account was flagged as scammer and someone reported police.

i frequently meet people for cod, so always got such random incoming transactions. but never once bank freeze it

lucky you

banks are CIBAI.

they should freeze themselves for allowing so many crimes happen through banks. LOUSY SYSTEM.

join the crypto movement. not your key, not your money

jus need to becareful when receiving money.. during cod if the person wants to transfer, i ask whether is own account, and must do it on the spot. if not , pay cash

business transaction they want you to use current account. go apply for one.

cash is the safest. dont go through bank.

but some scammers will pass you fake money, walao.

best have money note detector machine with you.

I have always seen people write this, but never knew the reason. Do you know the reason why "they will kacau less" personal current account? If the reason to kacau savings account is due to money laundering/scam issue, why is CA any different?

gambling site ok pulak.
Malaysia boleh

Habis lah TS's money in out at xxx place. Cannot say..

2.6 billion also ok. see politicians salary also know something not right. PERSONAL ACCOUNT some more.

BANKS ARE PURE HYPOCRITE

small fish 500/2000 they freeze, knowing people need to pay bill.

Harimau bank will ask for invoice for business if more than 10K go in from overseas. Very sien all the time kena same thing. Must show proof the transaction also.

Then, that's business already. Need a business account. Just register a company and open a current account.

fuck the banks.

this is why crypto will rule the world

Ok, so this can be done after that, but bank have to unblock my account first right? If they still freezing it, can nego with them on changing to current account?

come on, u know i know the source of fund

bank dont do that unless .....

I have no idea, first time meeting that guy, whether he is scammer or not, as long as victim reported police, bank will take action to freeze the account which deposited by the scammer?

For my case, of course bank wouldn't disclose much info to me, they will ask more questions instead.

if you wanna know the money you received was from a mule account, can check from here:

https://semakmule.rmp.gov.my/

You should.

Cant check whats the account number that deposit to me, and also i couldn't access to m2u website.

But likelihood is either your transactions are suspicious, or you have been used as a part of money scam / laundering.

next time use premier account when do large transaction.

RM2000 is a small amount to flag. Maybe you kena the ABC scam. Buyer (B) bought goods from scammer A and is told to deposit money into your © account. Then you send the good to scammer A and buyer B make police report against your account for non-receipt of goods.

Politicians simpan cash kat rumah la

That guy stoopid question lah.

That kind of big sum, you ingat simply Ahbeng 1 ahbeng 2 each person transfer sebilion ke?

Those figure straight call banker wei, do this do that, kao time without pulling the deek out of rosimah.

One need enlightenment when flashing money, like me hantam my ex gf come lcly me, my wife simply called the LV branch manager come out, she really took 200-300k worth of jewelry and luxury bags out and drove to a chinese restaurant in Chinatown.

3 pages and yet TS never summarize the details on what he did all of those many transactions until got freeze

lel

Actually, the bank have called me and said that transaction of 2k might be not a genuine transaction, reason unknown, maybe the buyer went to lodge report or bank account kena scam, not sure, so better lodge report with police

Keyword saving account

yr few transactions mentioned all COD cases? bank in by the same guy?

bank scared client kena scam...

bersangka baik.

who is "he"?

TS, you better pray that the bank accepts your explanation and does not file a STR report to FIED of BNM

If this report is filed, you can potentially never be able to open another bank account in Malaysia

https://amlcft.bnm.gov.my/reporting-to-bnm

banks also mau plotek customer la lmao.

u think they all so suci and murni love to snitch on their customers?

how u think our politicians transfer their money around lmao

Don't think ur acc freeze is because bnm flag it, amount too low.

I kena b4 by rimau bank freeze by bnm, >50k in out multiple time.

Prepare lots of documentation and countless trip to bnm.

All in take close to 3 month to settle. That's all document require is available ya.

So many people saying saving account is the reason.

I have been using saving accounts to move 10-20k in and out few times in a month. Never been flagged before.

unwritten rule and i say it again and again

too much transaction in saving account will cause freeze / blocked forever due to money laundry / money mule / etc , if u want do business , open a current account and they wont bat an eye. Saving account is not meant to be a lot of transaction.

sure kena crypto transaction la

Lately, there are similar topics appearing in the forum.

I believed banks are now proactive in screening accounts for unusual activities after bnm gave 'warning' esp those related to transfers.

Just tell them la, unless you have shady biz, just tell them what transx then ok adi. If you lanciao reply, becareful, bank dont accept your reason rip your future account.

This post has been edited by RallyNight: Nov 8 2022, 11:18 PM

I kena - i withdraw money from maybank trading account after selling some share bck to my maybank saving acc RM50k thn call me ask where money coming from , i am like WTF wei that is ur MAYBANK SYSTEM u dunno? 2 times already Sendiri punya bank pun tak tau .

i think got ppl report ler

Sad, 1-3k transaction within a week then the bank freeze. Our ex big boss got billions in account didn't get freeze

U dont say so loud oh ... try >50k see what happen

Just sharing my experience as I don't think TS got blocked just bcoz he used saving account to transfer a few k.

This

Mule scammer account lepas pulak

Some legit svg account owner pulak always kena block

Thanks everyone for the value feedback, I have reported this to police and hope thing can be cleared later.

banks are hypocrite.

try check if bnm has blacklisted bijan for all banks.

NIL. premier customer some more.


scammer bank accounts still working

mule account still working.

those who happen to be victim too get frozen.


it shows you how lousy banks are

you must check if banks do it or police ask them to.

if banks do it. you should scream at them. no solid proof can just freeze peoples acc

Not sure about this. Police got said what bank suppose to do, they will do it.

And bank also never disclose whether this has reported to police or not, very confidential like a guessing game..

so suspicious transfer got freeze? how about the complete with police report scammer?

SA doesnt matter if 2k or 50k. If you got multiple/frequent transaction amounting in thousands range, the bank might freeze your acc. Let say more than 20 transaction on 1-2k range per month, it probably will be flagged.

saw a few mentioning ABC scam

sorry, but what is ABC scam? i think i get the context of it, but what exactly does it stand for and how did the term come to be?

next time, apply for BigPay debit card, if cust wanna COD , let them pay to your card.

your IC already kana flag, must be something wrong already

ABC scam

A= scammer
B= real seller
C= real buyer

Example

B sell Iphone 13 in FB.
A saw B's ad, pretend to nego, intend to buy, then ask for B bank details
After he got the details, A advertised an ad selling Iphone 13 Pro similar to B's price
C thinking he found he a good deal, contact A and they nego

so they agree to deal. C bank in to B bank acc., then after conforming the payment, A contact B and ask B to send the Iphone 14 to him

there are plenty of variation on this scam. some bold scammer even do COD, ask the buyer face to face to bank in the money without the item, stated he will take the item once payment is done. then MIA

there is also another ABCDE scam.long con.

C bank in to B account, but ask to send the good to D. another buyer. then bank in to E. which is a mule's account.

probably that guy is a scammer. his account which he transfer from has been flagged maybe?

little money also needs to bully? that's why must not let komic to win. If you borrow people money or pay back money to people also need to explain to them? Not like 50k or 100k.

2k pun highlight ke

bilis je ko kacau kannnn

jangan tanya soalan yang susah susah oi

I don't think it is the amount of the transaction. My bank told me (when I opened a company account) that they flag personal accounts that have a lot of transactions as doing business.

This post has been edited by stormer.lyn: Nov 10 2022, 02:12 PM

Just go open current account

Many bank nowadays can open current account digitally

Actually got few activity that raise a flag
- Which branch account is opened
- What address recorded in your account
- Your employment status and product at bank
- Your trend or withdrawal frequncy
- Method of fund transfer or deposit
- Amount and trend of fund transfer and deposit
- Lead time between incoming and outgoing of fund

A person staying in city, self employed and only have casa, always received outstation cash deposit or transfer, and frequent withdrawal do raise STR flag

This post has been edited by marukopi: Nov 10 2022, 01:45 PM

I see bro, so if bank complaint about the saving account has frequent transaction, still able to appeal and request convert to current account? Or they will just freeze it permanently?
Because its struggle if wanna buy quantity of stock and sell it, definitely will have many in out transaction.

So you do admit that the personal bank was used for business purposes?

Nope, bank only asked to clarify the last transaction that i received from 3rd party transfer.

Okay then, if you say so. If you are not really trying to find out why the account is frozen to prevent it from happening in the future...

that rm2K send to TS most likely came from illegal source, like selling of drugs .

just keep this thread clean. dont let the politic stuff mixed in this serious k section.

most likely that particular transaction got flagged because the sender already kana monitored by the bank/BNM due to money laundering issue

if illegal drugs already arrest TS. No need to give your irrelevant assumption. It's the bank to prove it, not arbitrarily to freeze for small amount. Use the brain if money laundering do you think TS is still daring to open a thread here.

This post has been edited by Accord2018: Nov 11 2022, 10:20 AM

read properly please. SENT TO TS. not that TS is the drug dealer.

most likely the sender already kana flagged, so any transaction between the sender and any receiver kana flagged as well

I have seen smaller amount than that also bank flagged and they temporary freeze the account. yup, without Court's order.because they can.

This post has been edited by JimbeamofNRT: Nov 11 2022, 10:20 AM

read ts post la. he said received funds from the buyer. If ts account really got reported, sure the police already arrested him when he made a report that time. So that is not likely the case adi. I am not saying they cannot, just that it's more like power abuse only because it does not apply to the eagle. MPs already argued in parliament that banks can terminate people's accounts if they feel suspicious. What you mean by suspicious? If people bank in 1k for you to buy toto, also you can feel suspicious rite. Duh

Nevermind, you just dont get it bro.

dun get it is you. If you are so free to check people's accounts for all transactions even the small amount one, better take your time to improve your business. that's why we a losing to sinkie terribly now. If got proof then charge TS to court, not arbitrarily terminate or freeze people's accounts when you feel like it.

This is the mentality that's why we have ISA and Sosma and detain you without trial. Take their own sweet time to investigate.

This post has been edited by Accord2018: Nov 11 2022, 10:43 AM

Thanks guys for the sharing.

Yeah so far no police look for me since the incident happened on Monday.

Now bank just called to provide the invoice or payment slip for bank account untag (if i heard untag word corretly), they will investigate further.

I give some idea bro, in case you still blur

It is a requirement by BNM , not that bank suka suka monitor everybody's punya account for fun.

SG AMLA's is way way stricter than ours. The bank even halt the transaction if out of sudden you wanna withdraw some large amount of money at the counter, gonna ask you so many Qs before released your own $



This post has been edited by JimbeamofNRT: Nov 11 2022, 03:37 PM

This case is normal actually, especially among people that do side hustle like selling tudung, kuih raya once a while. Happened to many influencer also during mco time where they collect donation on behalf using their saving account and get their account freeze. Just provide supporting document to unfreeze it if required, like if you use it for business, then send any related document to them. Sometime it just plain mistake and let them know.

If you want, can take a look this few bank current account, which can be applied digitally.

Hong Leong Bank - https://www.hlb.com.my/en/personal-banking/...nt-account.html
RHB Bank - https://www.rhbgroup.com/instant-apply/personal-banking.html
MBSB Bank - https://mjourney.mbsbbank.com/current-account-i.html

This post has been edited by marukopi: Nov 11 2022, 04:13 PM

Thats why I said the policy is not good if you want to waste time monitoring for small amounts. I never said you cannot monitor for big amount and stop being blurry there.

Oh i see, thanks for sharing.

For supporting document, i dont have the deposit slip by the buyer, but only have the chit chat log for this deal, if bank got ask to show them i definitely will show it to them.

For current account opening, do i need to provide any supporting doc?