The reason you are charged such exorbitant sum is that you used those ATM owned by Money Changer! Yes... Rafael’s Bank is a money changer. No difference than the likes of Travelex, MoneyCorp or ICE. Those ATM will at most time DCCed all transactions!

Sorry for my short of insight on money changer / ATM / bank.
Anyway i have made loss already and it's past.
I learn from my mistakes at least and learn new things from forumer here.

lots of these at petrol stations now as well
just say MEPS/master/visa without bank's name

Try top up using visa and master..
All failed this morning....

Look around and I think there are also proper bank's ATM machine in airports. Well, at least some have.

What I do is, if I arrive in a totally foreign country and see an ATM machine with unfamiliar names, I will Google to make sure it's a proper bank. When on the streets, I will always try to draw money from an ATM machine located inside a bank premises. Just in case anything happens like card being withheld or ATM being tampered with etc. Can't be too careful.

Hey guys, sorry I was away for a few days We're going to release a Fair Usage Policy soon, so it'll all be cleared up. When it comes to FX and rates when withdrawing money from the ATM and all that, there's a blog post + infrographic going out either today or tomorrow that explains in details all the currency exchange mechanisms.

This post has been edited by BigPayJonathan: Jul 19 2018, 12:10 PM

guys which ATM can dispense the most in a single transaction ?
I heard dual-function CDM/ATM can dispense up to 99 notes ? Anyone experienced this ?
Anyone even been to an ATM that can dispense more than 3k ?

Thanks again for the advice.
I was thinking the same thing of withdrawing a commonly known bank.
Till the next trip oversea then.

can't wait for the FUP.

Top up page keep scanning and give connection error…

i called ocbc. their cash rebate is not paid to you all in one month. it's divided by 2 (current month and another one is on next month). ocbc cs also told me that bigpay is not considered as online transaction. hence only 0.1%. this is because i checked my statement, there is no 1% rebate. only 0.1%

Some may be interested - I topped up BigPay at 12:30 am on 17th July and the transaction date shows 17th July (not 16th July) so confirm local gateway. This may be useful for those chasing limited/FCFS.

thanks for sharing

using Maybank (GMT+8)

Hi, can you confirm is oversea spending entitle 1bp per rm20 spending or rm2?thanks

yes. cash rebate for online transaction is given in 2 batches,
- 0.1% will be given to your on your statement date. you will be able to see this in your statement
- 0.9% will be given to your 1 to 2 days after your statement date. you can see this under "unbilled transcation" or the next statement, but not current statement

so far based on my experience, it does give 1% for bigpay, provided you did not swipe too much (more than your credit limit).

if you swiped more than your credit limit, then the cashback will be processed manually and the management will not give 1% (reason: the transaction is not for personal usage)

I top up with my MBB visa this morning at 9am, ok.

Now seems both visa and MasterCard not working.. keep loading....zzz

I was able to top up today with MBB FCB this morning around 9am as well.

i checked mine is none. no transaction on my unbilled transaction (already more than 2 days after my statement date). that is why i called in to OCBC to clarify i only try it 1 time to check whether OCBC will give 1% or not.. total transaction in my card only 2 so in my case, definitely won't over my credit limit

weird.. i guess i will write in to ask OCBC to clarify on this.. or wait until next statement

This post has been edited by yvonnesoo: Jul 19 2018, 02:11 PM