Hi. Got a few questions.

1. Is there anyway to back up my card transaction records etc? I may want to factory reset my apps, hence asking.

2. Transferring money. Can I transfer money to other people's card that is not Bigpay card?

Thanks

If you reset the phone, can u still download past transaction records? Or are they gone for good?

And if it's stored in bigpay's system, is there any storage size limit?

That's great. Reckon this is the best card for overseas spending purposes. I noticed, once you landed in a new country, you get to see that country's exchange rate, even after you returned from that country.

Some time the rate is bit lower than XE rate. Some time a bit more.

Using BigPay on Lazada. Sometimes it will work but sometimes it wouldn't. Don't have such problem with any other credit cards.

You might experience problem with Top Up from other credit card while overseas. For some unknown reason, the SMS verification code never got through for me.

So for overseas use, you might have to top up sufficiently prior to departure.

AFAIK, it's the best card for oversea spending because of the exchange rate it gives.

XE.com

I think it's either 5K or 10K.

Same while overseas. Using Bigpay, some merchant requires you to enter PIN. Some requires you to sign on the paper slip. all sorts.

I noticed using ATM overseas withdrawal, the currency conversion rate would still be just under 2% higher than xe.com rates.

If your ATM charges you withdrawal fee, then the cost went up further.

So if your ATM does charge you withdrawal fee, you will be better off using Bigpay to withdraw money overseas via ATM.

I know there is almost no exchange rate mark up. But isn't there a RM 10 withdrawal fees?

The withdrawal limit is 10K (I think). Withdraw larger sum will more than make up for the RM 10 withdrawal fees.

While overseas and buying stuff online like tickets etc, some doesn't need OTP or anything and it went through

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

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

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.

I originally thought you can. But I have encounter at least one major outlet saying it can't be used. Beside that, been using it everywhere, local and overseas. But for overseas that requires OTP, I did have problem receiving SMS for unknown reason.

Care to clarify how the fraud occurs?

when spending overseas I do get instant updates on currency conversion in the apps. But I noticed, those instant updates don't seem to be the final definitive conversion rates. It seems after some days, they will change the figure to a more definitive ones.