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Banking AEON Bank Malaysia, Malaysia's First Digital Islamic Bank

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ericlaiys
post May 26 2024, 03:13 PM

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QUOTE(Natsukashii @ May 26 2024, 03:02 PM)
Yes, cannot. stated in the terms and conditions

Why they need to limit a saving accounts with debit card as islamic or not

Why can't they just issue accounts and cards, and I decide whether I wanna buy alcohol or not. Why need to control from the bank level?

Any penalty exist in both conventional and islamic anyway..

Credit card and loans maybe different case. But this is debit card.
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well, a lot of people complained when gxbank launch. say not sya**
Some people quite particular this things

This post has been edited by ericlaiys: May 26 2024, 03:14 PM
ericlaiys
post May 26 2024, 08:42 PM

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QUOTE(cybpsych @ May 26 2024, 08:28 PM)
bought something at aeon supermarket today.

tried out using self-service kiosk to scan aeon bank app's aeon member barcode.

initially, loading is slow to reveal the barcode. almost gave up. darn annoying sluggishness. tried few times only able to retrieve the member bracode.

paid using other "grocery" cc.

aeon points not credited yet. i wonder if it's just 1X point since 3X if using Debit Card. biggrin.gif

anyhow, was just trying to see if the aeon member barcode works or not.
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aeon member today slow. debit card x3
ericlaiys
post May 26 2024, 10:26 PM

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QUOTE(soonwai @ May 26 2024, 10:04 PM)
Yes, correct but you can only collect membership points at Aeon.
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love the aeon member card. best is can convert to cash rather than redeem voucher. just another way than give cashback directly.
+ point is not limited to only aeon retail. accumulation work for all permitted as long using the debit card
ericlaiys
post May 26 2024, 10:46 PM

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QUOTE(xkaizoku @ May 26 2024, 10:44 PM)
If aeon bank supports apple pay in the future, we can just put the virtual card into Apple wallet right for paywave payments? Since the virtual card has all the needed details, can save on physical card annual fee.
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may be later , charge annual fees even for virtual...lol
Do note, any thing can change based on their TNC. Same like gxbank

This post has been edited by ericlaiys: May 26 2024, 10:47 PM
ericlaiys
post May 26 2024, 10:49 PM

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Has anyone tested use on foreign currency? How was the extra rate charges?
ericlaiys
post May 27 2024, 10:51 AM

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QUOTE(jack2 @ May 27 2024, 10:01 AM)
If digital bank can offer credit card application, it is good.
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they already got AEON credit card. No need to have another one.
ericlaiys
post May 27 2024, 11:43 AM

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QUOTE(batman1172 @ May 27 2024, 11:04 AM)
Is this Aeon bank app ready to use? I read like got lots of people complaining buggy ?  Scared money hilang 😬
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no problem since registration till now. deposit, withdraw, payment.....no issue. (stable)
ericlaiys
post May 27 2024, 12:43 PM

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QUOTE(LuckyBai @ May 27 2024, 11:47 AM)
No, Aeon bank and Aeon credit are two different entities. Aeon Bank cannot offer credit card for now as I believe they do not have the user base to make a case.

GX Bank yes they are launching GX Bank credit card soon. Believe they are working out the framework and the governance. Take time in Getting the credit card providers on board
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yes. 2 different entity. but I think they will allow make payment from aeon bank without any fees to their cc.
How u know that they going to release gxbank cc? good to know and out of curiosity compare to mbb grab cc.
ericlaiys
post May 27 2024, 11:43 PM

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The debit card can be used to withdraw cash at ATMs with the MEPS or Visa logo. Local cash withdrawals at MEPS ATMs will cost you RM1 per transaction while foreign cash withdrawals at Visa ATMs will cost you USD 1 (about RM4.71).

When you use the card overseas, Aeon Bank says there’s no FX Markup but Visa’s foreign exchange rates will apply. If the payment terminal asks you to choose which currency to charge, always pick the foreign currency and not MYR for lower rates.

GXBank better for oversea use as 1% cashback
ericlaiys
post May 29 2024, 09:39 AM

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QUOTE(gastacopz @ May 29 2024, 09:01 AM)
is there any limit for the funds to get 3.88 in our deposit/pots?
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no limit till quota end without any notification
ericlaiys
post May 29 2024, 02:00 PM

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QUOTE(Arsyad1105 @ May 29 2024, 01:58 PM)
AEON Bank has hidden charge for adding money to E-Wallet.

user posted image

user posted image

Around 1% charge every e wallet topup. I don't know if it's stated on their faq or pds.
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TNG still not yet detect it as debit card. so consider as CC.
TQ to contribute 1% to tng business....lol
ericlaiys
post May 29 2024, 03:40 PM

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QUOTE(Arsyad1105 @ May 29 2024, 02:09 PM)
user posted image

Too many missing transactions 😬
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it is normal for any debit card. wait 3 days
ericlaiys
post May 29 2024, 11:21 PM

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QUOTE(brandonkl @ May 29 2024, 04:51 PM)
Since I received my Aeon debit card yesterday,  I completed two transactions,  one with PIN in Cold Storage and one pay wave in Starbucks. Both transactions live and shown in my app immediately.

So don't know why Soyacincau.com article two days ago said, transactions not shown immediately in app.

The Aeon points also immediately added after each transaction.
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mine 3 days still not reflect. another transaction 2 days.

may be coz u r using retail. try use at online, then u compare
ericlaiys
post May 30 2024, 09:57 AM

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QUOTE(lkwah86 @ May 30 2024, 08:50 AM)
Only can earn 3x AEON points with physical debit card? CS told me
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I got 3x from virtual card
ericlaiys
post May 30 2024, 11:11 AM

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QUOTE(d9nny90 @ May 30 2024, 10:12 AM)
if i dont have AEON member card, then register AEON bank will i get physical card for AEON member automatically? or need to apply physical member card at AEON counter?
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no need use physical card. u get virtual card from the app
ericlaiys
post May 30 2024, 09:48 PM

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QUOTE(elea88 @ May 30 2024, 09:47 PM)
THE pink aeon card.. does not have any card number printed on the card?
Mine only have name.
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i prefer this way, more secure
ericlaiys
post May 31 2024, 09:00 PM

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QUOTE(andrekua2 @ May 31 2024, 08:30 PM)
Just received the debit card... that pink is a bit unacceptable
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your wife or gf will love it
ericlaiys
post Jun 1 2024, 12:13 AM

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QUOTE(jye'n @ Jun 1 2024, 12:07 AM)
It's 12.06am, 1 June 2024 now. And I haven't receive any interest yet. Still prefer GxBank. This Aeon Bank doesn't give me that peace of mind.
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QUOTE(Optizorb @ Jun 1 2024, 12:08 AM)
wonder what time will get the interest
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may be over quota already…lol
ericlaiys
post Jun 1 2024, 12:25 AM

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QUOTE(Optizorb @ Jun 1 2024, 12:21 AM)
oh interest in dy.

if you see total balance you will notice it is more than before..

but the calculation is damn wacky. need wait till they show the credited part first.

i was testing the pots.

i have pots of 47.18 x2 and 47.19 x2. by right would get 4 cents. but i get 2 cents only

the funny part is 1 cent get from pot with 47.18 and 1 more cent get from 47.19 pot, but the other 47.18 and 47.19 pot no get 1 cent

wadepak aeon
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i got 3.88%
ericlaiys
post Jun 1 2024, 12:40 AM

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QUOTE(Optizorb @ Jun 1 2024, 12:27 AM)
also fun fact: the RM20 min balance they really lock it in, they wont take into account for interest calculation

i tested main left 27.20 + 20 lock in = total 47.20 but no interest
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this one i did not monitor as i always has some money and a use debit card

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