Just register an online ID at aia.net for wife then pay from there or register card for direct debit.

Ya, normally I do autodebit to my SCB JOP card. But when I come across this, I wonder how come not allow to pay for spouse.. is it something new by all insurance co n will it affect those auto debit since u need to choose relationship to the policy holder when fill up the autodebit form

My card has been suspended.

Reason given is my activities are suspicious (I withdraw the unused amount that I top up in order to maximize cc cash back and BT purposes).
Total withdraw amount so far is less than 60k in 2 months time.

Explained the same to their RISK MANAGEMENT officer.

No use.

The officer said my activities trigger the alert, and she did not mention what is the withdrawal threshold. And she said I have to proof that I am not doing money laundering.

So guys, good luck and make sure you don't churn so much and kena like me .

Money laundering my ashes.

You should be more worried if Bigpay furnished your case to the relevant govt dept, no? Can Bigpay do this?

Update for payment of AIA insurance premium over the counter

- BigPay card is accepted over the counter
- the cashier told me that cardholder can pay for his own premium or his immediate family premium. cannot pay for boss/spouse/friend/cousin/uncle/aunty (effective March 2018)
- however he did let me pay in view of there is no name embossed in the bigpay card
- after the payment slip printed out from the card terminal, my name appeared at the bottom of the payment slip (AIA Ipoh uses PBB terminal)

Thanks for sharing your experience.

I agree that financial institutions need to put in place risk management barriers to prevent money laundering. If it doesn't comply then BNM withdraw the operating license and face a hefty fine. If you are running BigPay then there's a lot to lose especially in MY 2.0 if you partake in such activities.

It is not just BNM implementing this but the whole Financial world, more so post 1MDB scandal. Even the SG financial sector got tighten up just because of 1MDB and Fintech is widely sought for fraud and money laundering detection. I don't think BigPay is at liberty (or any financial institution in MY) to disclose their risk detection model. That's a red flag in encouraging folks to beat the system which is supposed to protect the entire customer base.

Don't blame BigPay for implementing the block, think about the RM60k you withdraw in 2 months. Does it warrant a suspension ?
I hope members will take note and not to take advantage of the BigPay features for such. The legit users stands to lose.

This restriction only for OTC payment, so online not affected right? May be should get a Bigpay card for my wife too as a standby/backup. Also good for overseas travel with max stored value of rm20k.

Wow, I didn’t know u can’t pay for ur spouse also.. spouse is not consider as immediate family? This is insurance co policy or only for AIA?

as for cannot use other ppl card to pay insurance premium, i think it is order from bank negara. recently in chinese newspaper, it has been mentioned that insurance agent request bank negara to revire this order. (as some insurance agent actually use their own card to pay customer bill to earn more benefit)

I think this restriction is more to do with tax relief, whereby receipt will show that premium payor and taxpayer are the same.

1) There is no restriction on the number of reload attempts on BigPay card, with other credit cards, right?

If I remember correctly, we were allowed to reload BigPrepaid MasterCard (the previous product by Tpaay Asia), once with credit card.

2) Can we login to https://www.bigpayme.com/ or other BigPay websites using a computer, to view the transaction history of the card and download the PDF card statement? I am not sure, and it seems that we have to use our handphone, to check the transactions.

I am sorry for the lack of knowledge about this prepaid card, even though I have read the first post of this thread. 

Thank you for your information.

Hmm.. I don think so since the supporting doc to claim this tax relief is ur policy annual statement from insurance co.. no matter who pay for it.. the policyholder is the only one can claim the tax relief.. sorry for off topic..

1) There is no restriction on the number of reload attempts on BigPay card, with other credit cards, right?

If I remember correctly, we were allowed to reload BigPrepaid MasterCard (the previous product by Tpaay Asia), once with credit card.

2) Can we login to https://www.bigpayme.com/ or other BigPay websites using a computer, to view the transaction history of the card and download the PDF card statement? I am not sure, and it seems that we have to use our handphone, to check the transactions.

I am sorry for the lack of knowledge about this prepaid card, even though I have read the first post of this thread. 

Thank you for your information.

There is no specific lines in their TNC stated the withdraw limit. I did paid for the withdrawal service fee which is RM6. I'm just using the facility provided by BigPay.

I don't think 60k is a lot, because I did a single BT already 40k. The reason why I don't withdraw directly from Cc because CC charge 1 to 2 % service charge while BigPay charge RM6.

I use my CC to reload BigPay.
My credit card statement can proof that.

I withdraw cash from ATM then cash deposit back to saving.
My saving statement can proof that .

Money laundering? Ya I hope they will escalate to BNM and it will be a interesting case because this is not how money laundering works.

Yes they did call me before the suspension. And I provided my full credit card statement (multiple cc) and my saving account to them.

Yet they proceed the suspension without any detail given.

Luckily my suspended money in BigPay is not alot else I will escalate to BNM.

I know there is nothing I can do as a customer.
Just want to let you guys know this, so you won't kena the same thing.

Good luck and have fun

There is no specific lines in their TNC stated the withdraw limit. I did paid for the withdrawal service fee which is RM6. I'm just using the facility provided by BigPay.

I don't think 60k is a lot, because I did a single BT already 40k. The reason why I don't withdraw directly from Cc because CC charge 1 to 2 % service charge while BigPay charge RM6.

I use my CC to reload BigPay.
My credit card statement can proof that.

I withdraw cash from ATM then cash deposit back to saving.
My saving statement can proof that .

Money laundering? Ya I hope they will escalate to BNM and it will be a interesting case because this is not how money laundering works.

Yes they did call me before the suspension. And I provided my full credit card statement (multiple cc) and my saving account to them.

Yet they proceed the suspension without any detail given.

Luckily my suspended money in BigPay is not alot else I will escalate to BNM.

I know there is nothing I can do as a customer.
Just want to let you guys know this, so you won't kena the same thing.

Make a police report if I were you, you have co-operate and provided details of the transaction proving this isn't money laundering and still yet proceed in suspension.  I just feel they are not sincere in providing such facilities.

Make a police report if I were you, you have co-operate and provided details of the transaction proving this isn't money laundering and still yet proceed in suspension.  I just feel they are not sincere in providing such facilities.

Boss, I think you should claim back the fund balance in the suspended bigpay. Bigpay has rights to suspense if it considers those transaction of suspicious but customer should has rights on the fund balance after the suspicious has been clarified. But i think Bigpay has rights on whether to revoke the suspension or accept your reapplication of bigpay.

I support this but bear in mind, once this gets into public, banks will review all loopholes in BT that you guys have been exploiting here and in the BT thread.
Moving on, BT application will be back to strict terms whereby cardholder needs to provide latest CC statement showing at the figure that you wished to transfer from in the statement balance.

Just share with you guys , don't over load your OCBC 1% cash back .

If you churn too much, OCBC management will not give you they 0.9% cash back. As for the definition of too much, I will let you guys figure out yourself.

Because I kena and I know hehehe