https://www.lowyat.net/2024/320110/tng-ewal...n-fee-overseas/

So go china pay via alipay+ now need pay 1% more. Not very competitive anymore...

Topkek.

If not they eat grass meh

Better just use wise card. Easier

monopoly showing its true color

aka, no need use tng, use cc terus or cash is still king bitchnes

If I pay Agoda using T&G (shows alipay QR code) -> am I going to be charged 1%? Is it alipay fee or conversion fee?

Even before this 1% fee, wise conversion is already lower than TnG. You add in this 1%, no one gonna bother to use TnG now.

but very convenient as you dont need to download a separate app/topup/etc.

Wonder next year wise will charge extra or not?

Not to mention dealing with leftover coins at the end of the trip

They really trying all their ways to squeeze user money

they already collecting your data, selfie with mykad, which is far more valuable than these % fees

think about it

Most likely is comversion fee.

I didnt know alipay got fee? Unless u make payment in China i guess?

Some banks like CIMB, SCB and few others has been doing this for ages already

This post has been edited by WaCKy-Angel: Apr 8 2024, 11:54 AM

my ewallet very minimal use already

always cc as priority now, then mae, then cash, then consider using tng

nobody ain't got so many time to care for how many different 1% TnG charge

KEK. Their rate isn't that great anyway

many alternative now anyway

Bye bye TnG

Yeah, go duck yourself

steam games also will get charge this 1%?

Tng is not a charity organisation, need to make money to sustain.

pattern sudah keluar
hope the alipay partnership is not exclusive, otherwise, it'll need intervention.

nasib baik bukan avid tng user...only for minimal usage. dont want to give them my data.

so boikott?

Wait so If I top up with cc Kena 1%
Then if use the money inside and pay in overseas also another 1% per transaction?

Damn. Totally useless this tng. I tot wanna try it in Thailand in my next trip. Wise better la

So for overseas transaction (assuming if you are using CC to reload)

1. 1% charge to reload using CC.
2. Forex rate different charges.
3. Overseas transaction fee.

Gooding?
NO.

Back to CC you might get better benefits (i.e. PPL spending requirements etc).

Bye TnG, better just use Wise / CC / Cash.

Other than this, I don't see any benefit using it anymore besides toll.

feel like redundant apps. LOL.

Tng and competitive don't match..
They are in monopoly business for the last few decades.

Money exchange is the cheapest . No need to worry About con version rate whatsoever .

Omg

They said they been subsidising it..

They been doing well right?

So put lower amount lah, 0.5% kot..

Or remove that 1% charge on CC.

Right.

T20.. M40.. probably don't. They can afford it as part of the holiday expenses I guess

B40 probably carry cash.

Problem is china don't use visa/MC, so except for international hotels and big department stores, you cannot use cc.

I suppose for small purchases the extra charges is not much and worth the convenience.

What's the spread from the mid-market rate?

Yeah, and this is only applicable to China only.

The rest, can forget about TnG.

And soon you might find other e-wallets supported in China. or WeChat pay becomes more lenient.

Yeah...bye bye TnG.

FYI Wise cards not acceptable n China

I see, any other than TnG ?

If customers not happy, can use other services.

if you mean money changer, their rate could be worse than visa/master rate.

if credit card, need to use unionpay. But smaller shops might not accept credit card. QR Payment is more common there. Other options would be Alipay or WeChat pay.

Cant understand why need to use T&G to pay overseas. Just use CC la

If you still wants to use ewallet, MAE also can use to pay in Thai.
https://soyacincau.com/2023/05/30/maybank-m...der-duitnow-qr/

last time they laugh at unker old fashion.. why still using CC

swipe, key in pin, wait for print out.. so old fashion..

they just scan the phone.. so high tech..

now i laughing hahahaa

This post has been edited by seather: Apr 8 2024, 01:16 PM

Thanks bro

not a fan of tng since forever

Same, I will use cc if allowed. Cc got cashback, ewallets don't give much.

Give a price list then. This fee is hidden as conversion rate.

Most CC card have crossborder fee. Please tell ayam which one doesn't have either crossborder fee or HIDDEN(inflated) commision on top of conversion (talking about you UOB SH*T)

time to change back Wise, lower than tng

Wise?

Just curious, are you working tng digital?

1% of foreign currency before conversion?

OR 1% in MYR currency after conversion?

Oversea straight away use WISE.

For China, you don't have many options.

Read you can now tie your international credit card to Alipay etc. I would not be surprised if they also charge you transaction fees.

Many places like street vendors in China don't accept credit card. You probably stuck with TnG

correction. They DON"T

This post has been edited by touristking: Apr 8 2024, 02:33 PM

pubic bank's unionpay debit card

Oh ok

Thanks bro

CC conversion rate by bank can pakai?

After apr27 between now and then not yet charge fast fast go use...

No

On certain transactions, alipay charge 3%.

Alipay a option.

CC usually charge higher forex rate. If your spending is very low then ok la swipe all you want.

If your purchase is big and swipe cc it actually expensive. Haha

The only positive thing is you don't need to download other app just to do cross border payment.

Cc can be used frequently in hotels / higher end dining places.

Most small pop shops still accepting QR.

This affects the most to TnG users who travel to China as e-wallet is the main payment method in China.

I have not seen merchants or any restaurants accept our Visa/Mastercard during my 1 week travel in Guangzhou China last month. (I did not spend in high end merchants or hotel)

Our TnG is widely accepted in China, we can scan their Alipay QR and they can scan our QR without fail. We directly can see how much the rate in ringgit after we scan China Alipay QR. I can say TnG exchange rate is quite similar to Mid valley moneychanger.

So now TnG want to charge 1% conversation rate, I think it's is acceptable, it would be similar to bank rate. Just slightly higher than money changer.

P.s. I did not spend a single cent of cash in China. I did exchange some cash from mid valley moneychanger before I depart to china mana tau cash has no use at all. now I gonna exchange it back. Sudah rugi.



This post has been edited by la bella: Apr 8 2024, 03:54 PM

Yes. I can confirm, I recently use Alipay to pay for China hotel online Ctrip, there's 3% fee.

Why cannot? The difference of rate between CC and T&G is not that huge anyway unless you tell me you are spending RM10k everyday. Been using CC and Wise card for my travels and never had any issue. The best part is, some ppl topping up T&G with cc . This one really topkek.

Wechat with visamaster got charge?

This post has been edited by Alert_RaZO: Apr 8 2024, 03:55 PM

Yes. Been there done that. I link my Visa card to Alipay app for public transport usage during my china trip.

I link my Visa card to Wechat and Alipay app, my transaction got charged the bank conversation rate.

some CC might be low one

or the rewards > benefits i.e. got cashback promo for spending etc

personally i dun really like using ewallet overseas whenever possible apart from SG and PH with grab only

i also noticed this tng now got charge for cc convinent fees. wth, but the auto reload feature didnt so i just continue to let it auto reload only.

if u don care about the conversion rate ofcoz no issue to u lo, i care so that is an issue for me

even 2k transfer of sgd per month for example cimb vs wise can have RM35 different 1 so i will compare first before converting.
can share 1 example of ur tng vs cc spending example to see the diff?

I think you need to have a China bank card to use Alipay. I think TnG is linked to Alipay+

Few months ago, with TnG, the merchants need to scan your code. And not vice versa.

This month, it can work both ways

Kasi guna dulu test water then now banyak orang travel and use it do decided to charge lo.. nak cover costs also mah haha

Yeah just back from biz trip in china cause use touch n go ewallet to scan.. no charge yet..

Not necessary.