i use a sort of "throwaway" debit card to solve the problem and link to that bank. Recently used a bank called "Rize" - a digital bank where signup takes 5-15 minutes, then u can request for a free debit card and link it with that. In that bank account u just do duitnow transfer every now and then limit to about 300-500 RM (or the amount u willing to lose in case hacker managed to steal the money) so you wont lose everything in case kena hacked. That's one way to do it.

I manually transfer money and its not difficult once u add it to your favorite.

that's why i call it a throwaway debit card account. hack also i lose whatever little is in there - i decide. Its not my salary account or main banking account so hack away. Yes i lose money but as I said - only amount I am willing to risk and lose.

One of the guys that kena has gotten his money back through his grabpay wallet and bank account (but unsure if received by bank as he had blocked the account):
https://www.reddit.com/r/malaysia/comments/...allet/?sort=new

charges are at grab/merchant side. Grab charges RM5 if i recall but they refund immediately. TNG charges RM1 but depending on back, might not get back immediately..mine for TNG i didnt get back even my RM1 but not fussed up about it..at least grab refunds immediately when u make card payment - this is to "test" to ensure your card is legit.

one of the guys thar kena is using iphone so its not android or apk related