That is the one i withdraw from.
The charges is from the bank itself after confirming with BP.

got cashback cap, if u spend less than 2500, ur cap is 28 only, not 85.

just tried to swipe my bigpay in india. but declined.

wondering why..

Doesn’t matter. The banks are carrying out checks according to AMLA..

Agreed. Banks must comply to regulatory authority or risk consequence management. No 2 way about it.

Which bank's ATM did you use? Or was it a non-bank's ATM?

For everyone's knowledge, there are also non-Bank ATM in Malaysia. In this case, I encountered those machines at holiday resorts.

The campaign going to end next month 31 Aug.

Didn't realised there is a expiry for 5x treatpoints
So after 31 Aug HSBC VS is essentially useless?

Not sure if it's an official bank but the name on the slip stated 'Raphael's Bank'

Interesting, check out their FAQ

https://www.raphaelsbank.com/atms/faqs/

Looks like they are an ATM service provider and also specialise in dispensing foreign currency. They may have applied their dynamic conversion automatically?

yess...sad case happened to my gf...spent RM2478 ... short of RM22 to get full RM85 CB.... only got RM28 ..

On other normal purchases, Bigpay's currency conversions were excellent.

May be you allowed Raphael's to do the conversion which was bad instead of letting Bigpay doing it?

Any way the general advise is to always use the local currency, in this case sterling, when overseas. Especially merchants.


From their website:
A: Raphaels Bank offers a service known as Dynamic Currency Conversion (DCC). This means that when an eligible card is identified as coming from outside the UK, we will offer to carry out conversion of the transaction value into the currency associated with the card. You will be presented with the applicable exchange rate and the total amount to be debited from your account. If you choose not to allow Raphaels Bank to carry out the conversion, the transaction will proceed in sterling and the conversion will be carried out by your card issuer.

This post has been edited by touristking: Jul 18 2018, 11:03 PM

He says he did in pounds though. Maybe they charge a fee (9.5% is super high though).

Visa down again?

Thanks for highlighting that!

Seems yes... tried visa can’t, MasterCard ok no problem...

Yor...Another milestone Bigpay achieved.. very unstable e wallet.. how to dorminant in the market...

Visa 2 (leading) vs master 1 😘😘😘

Wow thanks for extra insight for my case.
Yes there is no option for me to choose or whatsoever.
Therefore bigpay CS mentioned some bank do trick customer with their info print page to accept the DCC.
Anyway i learnt my lesson. I will withdraw money from a more common bank when i'm in oversea rather than withdraw from airport.

so VISA card top up is not my problem then
Was trying in the whole morning often failed