Who says MBB is the most hated bank in Malaysia? As far as I am concerned, it is the best and most generous bank in Malaysia because I get the most returns from them whenever I use their FREE credit cards

With Automated machines and eBanking, I have not seen my Citi Personal Banker for months... no idea if he is still there or promoted. hahaha

Yah small amount 1% okay, but small amount RM12 per withdrawal imposed by UOB debit card is high! That's why I dislike my UOB, can only withdraw RM1K per day.

haha, you asking me about UnionPay? I got no clues on it. Now you the expert on UnionPay Debit Card and ICBC eBanking in LYN

I was in Orchard ION again couple days ago, and they have UnionPay VIP lounge at the ground floor. I wonder how I can get UnionPay VIP as it beats me walking to UOB Orchard Road to get a free snack and drink at the Privilege Banking Hall.

Sifu MilesAndMore, watch out for my upcoming article titled China Mission and Armed with Debit Card for Cash Withdrawal in couple days time. It's my first action thriller article in format similar to 24 HOURS and it's a true story based on postings here

Gen-X, the level of ICBC service really pisses me off. Until today my e-banking issue is not solved and I was busy for the whole week, hence no time to follow up until today. I demanded them to call me back by next Tuesday to get this fixed, alternatively they asked me to call KL branch myself.

If this continues, I will not bother with their e-banking service which sadly to say I only have that RM 490.00 to withdraw there.

I'm going for International bank now and I'm going on leave soon (yeah again) for a week, from 4th to 8th November. So, I will open a personal account with Stan Chart since I confirm it has a branch in my hometown, seen that since I was 4-5 years old.

I already called SCB to check out the requirements and the guy suggested me to apply for JustOne Personal Account: http://www.standardchartered.com.my/save/s...e-personal.html

Apparently only needed RM 20.00 to open one and no other income documents are needed. I have just applied one using online, somebody will call me in 3 working days. I have put in my preferred branch is in Port Dickson.

Worse comes to worst, I'll just walk in to SCB myself.

Below are the details I have checked:
1) Each overseas withdrawal will cost RM 12.00 for transaction fees
2) I will be issued with debit card that allows me to transact in Cirrus and Maestro networks.

With just RM 12.00 (I hope no more additional), I think I'm better off to withdraw using international bank.

I don't have time to visit Citibank unfortunately, looks like SCB is a better choice for me. Hopefully no hiccup there.

Next up, changing my old Maybank ATM card to new debit card that allows me to withdraw using Plus network.

Many people hate them for their slow counter service and badly managed ATM. Or so i heard from those i know


Well, true also


I saw that you posted that a few days ago. Haven't had the time to read it yet


Standard Chartered Bank has been heavily promoting this account since last year. And there is no minimum deposit to open this account actually. This account comes with many benefits, so make sure you go through its T&C as it may benefits you greatly.


I'm fairly positive you won't face any problem to open a savings account at Standard Chartered Bank.


You need to pay RM12 to change it, just to let you know.

Yeah, the CS told me this account is good and better open their JustOne account. I was convinced and already submitted my online application, let's see how it goes.

Ya, I'm holding SCB CC as well, I really think I'm pretty OK this round.

Got it, I have asked the same thing from Maybank CS as well. Friendly people.
Unfortunately, she said Superman and Manchester United debit card may already finish, so I will need to walk in to the nearest branch myself. Cherry card is widely available.

The findings for Maybank Debit:
1) Can set my purchasing limit to 0, so this indirectly disables my debit purchase.
2) RM 12.00 per overseas withdrawal
3) PLUS or Cirrus
4) Need to inform branch officer to tie back to my existing savings account(s).
5) Also need to inform them to activate my overseas ATM withdrawal facility
6) Need them to tie back to my current existing M2U

I think my Monday's schedule is pretty OK, no meetings from noon onwards, I will pay visit to KL Sentral branch which is just across my office building.

Aiya! I was thinking to get the Superman VISA debit card too but kept postponing it


Yeah, i think this is how you do it. All i remember is that you can disable it but i couldn't recall the exact steps to do it on their ATM


Yes. If they issue you the Cherry VISA, it will be on PLUS network. If it is the Cherry MasterCard Platinum, it will be on Cirrus network.

Well, all the best to you

But they still advertise those cards in their page, so she said she can't confirm herself. I'll need to walk in to check out.
I will ask the officer how to do that, best if he can do for for me, to make it 0.

I don't want Cherry card actually.

Sure.

This post has been edited by fruitie: Oct 26 2013, 09:52 PM

I really pity you lah.

To tell you the truth, no difference if you open SCB or not. You only get either PLUS or Cirrus.

Now go check behind of your CIMB and PBB debit cards (or ATM cards) and see if they got cirrus or not. Then call CS and ask them need to activate for overseas cash withdrawal and the fees? If necessary go get MBB Cirrus and Plus logo.

Better you check SCB Just One account T&C and check if any fees applies. You DO NOT need to open Just One account. SCB also has normal savings account which comes with Debit Card - I used to have their Priority Banking Debit Card for like 3 months, haha and it was linked to a normal savings account.

I guess you should call ICBC KL branch since CS is like clueless on the eBanking thingy.

I tell you, the easiest just bring RMB notes equivalent up to USD10K to China and your problems solved

This post has been edited by Gen-X: Oct 26 2013, 10:18 PM

I know.
I reckon I can use my existing cards actually.
But a bit too old, so thought of changing my MBB card to the newer version which comes with PLUS.
SCB is because it is in my hometown and is an international bank.
I was asking about the basic account but he said these days they only issue JustOne account which is much better. At least not as arrogant as HSBC.

CIMB and PBB, I seldom use them.

There is Carrefour connected to my hotel, so I guess I can use the UnionPay there to buy my stuff.

My exciting journey is coming up soon.

This post has been edited by fruitie: Oct 26 2013, 10:23 PM

Carrefour - maybe they accept AMEX and you get to use your MBB 2 AMEX

Oh, if you still have second thoughts of going to China, my offer to replace you is still on and I learn very fast, so need two days of briefing from you and I am ready for whatever task

Sifu, you forever busy flying here and there and I really admire you because you take the trouble to post even when you half way round the world

This post has been edited by Gen-X: Oct 26 2013, 10:32 PM

Yes and only stock up my groceries during weekends.

I'm still having actually but I cannot say no now, flight is booked, hotels for 60 days is booked... So basically, I must go no matter what. Very miserable because the weather is cold and etc. Sigh.

Gen-X and MilesAndMore, just noticed that my JustOne account is approved by SCB.

I just submitted online and that's all.

I think another reason is because I'm holding their credit card (for free cash reward sake ).

Now I'm waiting for them to call me to arrange for my debit card delivery, I will choose to pick up from PD branch. I think pretty case closed here. Still no time to call ICBC. Will do it tomorrow.

Oh ya, haven't changed my Maybank ATM to new debit card yet.

Edit: Just saw this in my personal mailbox, SCB actually dropped me an email 2 days ago to ask for my preferred time and date to visit PD branch.

This post has been edited by fruitie: Oct 30 2013, 06:09 PM

Come to think of it, yes. You are right.

Initially i was suggesting HSBC or Citibank to fruitie because HSBC only charge RM5 for every overseas HSBC ATM cash withdrawal instead of the usual RM12 that most other banks charge. This way she can save some overseas ATM cash withdrawal fee.


Just checked mine. The CIMB ones (both the debit MasterCard and normal ATM card) come with Cirrus logo while Public Bank Day2Day VISA debit card comes with Plus. The old normal Public Bank ATM card (the red and blue ones) has neither logo.


This Standard Chartered JustOne Account is better than all of their other savings account types and is fee-free. They will even refund the fee charged from local ATM cash withdrawal provided you fulfill the monthly deposit requirement


Yes. JustOne is the best account type that Standard Chartered offers now


It has since become a habit of mine to come to this site whenever i'm online regardless where i am. There is however one big problem with the Chrome browser on my iPad which sometimes the tab which contained the lengthy reply i had already typed was automatically refreshed and all work was gone


Good to learn everything went well with Standard Chartered.

So, have you got your Superman VISA debit card yet ?

This post has been edited by MilesAndMore: Nov 5 2013, 12:35 PM

Tomorrow will go and collect my SCB debit card and activate my account. They have contacted me via email to make appointment with me.

I have changed my Maybank card but unfortunately it doesn't have Superman card anymore.... I got the MU instead.

Case closed for me and didn't bother about ICBC anymore. Will finish it off in China. Try to use UnionPay there.

Does anyone know how much difference will be the exchange rate that the Bank charges as compared to money changer?

I had the MU VISA last time. The design isn't bad

Anyway, all the best to you in China

Yes, the card quality is good.
Smooth and nice to hold.

I'm sure I'll because I'll be staying here for 60 nights: http://www.east-beijing.com/en/default.aspx
So, I think I will enjoy myself there.

This post has been edited by fruitie: Nov 5 2013, 04:47 PM

Woah! That's a very very nice new property

Yeah.
At least it diverts my mind from the cash issue at the moment.

for 60 nights, i would have asked for a hotel that earns loyalty status. you can be a top tier member at the end of the trip.

This post has been edited by zenquix: Nov 9 2013, 09:41 AM

Out of my control and I don't book it myself, company books for me and I only have a list of hotels that participates in company's corporate rate.
Have to find the nearest to my office as we have 4 offices in Beijing.