What is BNM?
If I apply for Maybank BSA.
Will they give me visa cherry debit card?
Because I went to Maybank website.
Applying for BSA & the red visa cherry debit card is different

I went to Maybank website
there's a lot of choices;
so I am eyeing on two options;
1. Basic Saving Account(BSA)
2. Debit Card Visa Red Cherry

Two apply them is not so similar

1. BSA
so if I want BSA.
I'm an adult
In the website says that I:

Required Primary Documents:

Original Identity Card (IC)/Police or Armed Forces ID Card

But will they issue the red cherry debit card if I join BSA?

2. Debit Card Visa Red Cherry
If I want a debit card, the visa red cherry

This is what it says in the website

Who can apply?

Maybank saving/current account holders aged 18 and above.

Required Documents

Primary Documents:

MyKad (IC)/Police or Armed Forces ID Card
Birth Certificate and MyKid (i.e for in-trust and minor accounts)
Passport (i.e for non-residents/foreigner)
Minimum Deposit for Current/Saving Account open:
RM250 (individuals, joint & minor accounts)
RM50 (with letter of employment)
*Current/Saving Account details please click here.

Supporting/Secondary Documents:

Valid Passport (for Residents)
Valid Driving License (for Residents)
Utility Bills (e.g water/ electricity/ telephone bills, Quit Rent, Assessment
Notice) in the name and address of the customer opening the account.
Letter of Confirmation from Employer, Educational Institution etc.
Credit Card (if any).

I don't have a job
Do I need to have a job to apply for the debit card?

This post has been edited by Electraxander: Apr 30 2018, 03:19 AM

I have another question.
Does PayPal have risks?

You only need your IC and RM20 cash. When you apply for the account, you will automatically be given a debit card. Whether is the maybank visa debit card or maybank platinum Mastercard is up to the bank discretion. You can ask through but it don't make a difference.

Now I see why banks do not want to open account for you. You must have told them you want to use account for PayPal right? Don't tell them. Just tell them I just want to open an account for savings so when I start working, can use that as my salary account. Bluff la sikit. If I were the bank, an unemployed person come in and tell me they want to open account for PayPal, I also reject them on the spot
Reason:
- where is unemployed person going to get money to fund PayPal purchases?
- Better I don't risk it (money laundering or illicit activities) and reject this person straight away.

Of course. No tac will be granted. Money will be straight deducted. Hence you need a strong password manager to generate a strong password and keep it for you. The free one with 2FA authentication I recommend is lastpass and for 2FA part use winauth (select Google 2FA authentication).

Back when I was 18 years.
I wanted to open a BSA at Maybank.
I never mention about opening a PayPal account.
Cause at that time I was genuinely wanted to apply for BSA.
They ask for a letter from my college to apply for the account.
But I didn't have a letter from my college.
So I didn't register because of that.
That was a long time ago.

I spoke to my mom.
Ok I'm sorry I said that I was applying for the account for this year
and say that they wanted customer with big wages.
That wasn't true.
Actually my mom was trying to apply for the account for this year.
But when I was 18 a long time ago trying to apply for the account.
That was a true story.

But this year my mom try to apply for the basic account.
They bank didn't say they wanted people with big wages.
My mom exaggerate with the info.
Her own opinion or her own thought that the bank want people with big income.
That's not what the bank tell to her.
They did let her fill in a registration form.
And ask for my father's details.
But my father wasn't there at that time.

That was 2 weeks ago.
She never mention about opening a PayPal account to the bank.
So basically they didn't rejected my mother.
Maybe it's because of incomplete details of my father.

Should my mom go to the bank again and refill the registration form with my
father on her side to give his details?

I better delete the previous posts.
It can look like a defame slander.

Can you delete your previous post also about the bank?
There's no delete button here.
But you can edit your post and delete anything that involve the bank.

This post has been edited by Electraxander: Apr 30 2018, 01:39 PM

I don't know which story are you telling is true. Whether is your mother want to open account or you wan to open account. Just go to maybank, and bring IC. If is your mother who want to open account, of course your mother need to be there with her IC. If is you, then you and your IC. Tell them you want to open a free BSA. Reason: cause you don't have bank account yet/just want to to open Maybank account cause lots of atm. Very convenient. Just give them some dumb excuse. Complete the form. Let them scan your thumbprint. Problem settle.

Both story are true when I was 18 years old is true and about my mother who wants to open BSA this year.
IC is always brought along when jalan2 outside of home.
Should they be providing the BSA on the day we register or need to wait for a few days?
Cos my mother 2 weeks ago she apply, it seems like they did not provide the account right away.

On the day. If they don't want to open, tell them show me proof that malaysians cannot open BSA or let me speak to your bank manager.

If they still don't want to move, tell them fine, let me take down your name, I am reporting this issue to BNM. See whether they panic or not

Effective 1 February 2005, all commercial banks and finance companies will offer a basic savings account (BSA) and a basic current account (BCA), with no overdraft facility, to all individual Malaysians and permanent residents.

http://www.bnm.gov.my/index.php?ch=en_pres...&ac=950&lang=en

oh I see thank you for your advice
I will certainly follow your advice.

Thank you..
I will print this info and show to the banks

Should I make a video?

I was trying to link my Maybank atm card to PayPal
Are they gonna charge us RM 1 ?

This post has been edited by RyuGW90: Apr 30 2018, 09:22 PM

I've just went and ask my mother to confirm whether she really
did fill in the form and submit it.
The bankteller did ask her to apply.
She says she never fill in the form..because there were
too much complicated things that need to be filled in.
Technically she was never denied of the services.

I'm really sorry for the mix up.
My mom tells exaggerate stories and incomplete detail about her
encounter with the bank.

Thank you for all your help.

This post has been edited by Electraxander: Apr 30 2018, 09:37 PM

1st active card for international usage.
2nd input in your card. Wait for them to charge.
3rd Take the code from m2u and input into PayPal.
That was my time using old interface.

Well you can't blame the bank then.

Yes they'll charge you then rebate back. In my case they rebate instantly. Can't remember the exact amount though. The nost important is to call maybank cs and tell them to activate overseas transaction. The number behind the card.

I think your father or mother big opportunity success apply Maybank saving account, if you can, you followed your father or mother go together. Who want use open who like that. Maybe PayPal need who member PayPal with who member bank account only.(I don't know.)
To save your transport or parking fees, I'll advise try
1.)bring your father company letter, maybe need filled company name, company address and so on.
2.)bring cash RM 250. Maybank saving account with cherry debit card(can choice with or without annual fee) familiar like BSA, after deposit RM 250, you can withdrew immediately and the min maintenance still is RM 20.
3.)who apply who IC. If joint name, maybe PayPal can accept joint name account, at least member PayPal name appear in bank account.(I don't know.)
4.)1 bill for show who apply address.

Maybe you no need use PayPal, except payoneer, skrill and (I don't know), you can choice western union(need western union info and IC, no need bank account, directly cash out money for western union agent such as bank and post office), oversea bank cheque(need bank account), direct tt(need bank account) and so on.

If you apply debit card, this is about debit card things, you should find the info about debit card. Maybe no only PayPal risk, debit card also can risk.

This is PayPal post, if not PayPal problems, I think first start are wrong post, so I think I enough. I also don't know why you post here.

One thing, only in my feeling or opinion, you should not speak or treat or think your mother like that.(Maybe your mother have experienced so will assumed like that or your mother meet different also feeling not well ???(You also can blamed why no nice staff put your mother apply or help your mother filled the form and so on)), maybe you need more realize your mother situation, than mean need more communication with your mother and so on.
No matter how about your father or your mother or unknown, you unable forever use your father or your mother name or unknown name, whatever you apply joint account. If your father and your mother unable apply, only because your father and your mother no need or unable. If you need or able, you should find a way do it yourself.

I sorry of all, hope all forgive me like that. Above and all maybe wrong info. I don't know and I not sure or not full details answers like that.

This post has been edited by thisisyourname: May 1 2018, 12:07 AM

It wasn't the bank fault in the first place.
My mom just gave an opinion on how she feels about the bank.
It was'nt the bankteller that says they want big wages & rejected her.
It was because of the complicated registration form that she doesn't know how fill in.
Maybe it was overwhelming for her and she was emotionally exaggerating & when
she inform me about it she describe it in incomplete detail. I misinterpreted wrongly.
I think that's why she blame the bank.

Then I argue with her.
She could have just bring the forms home.
And I'd handle everything.
She insisted in wanting another bank.
But I said i can help her fill in the complicated forms.
I saw the best bank in Malaysia poll.
In terms of services & online banking, Maybank is the best bank in Malaysia.
She just need to go to the bank and look nice, and submit the forms.
The filling of the forms will be taken care by me.

My father is a retiree. He is unemployed. So there's no company letter.



Sorry, I didn't realize I was off topic. My mistake.



I have issues with my mother.
She tells me an incomplete detail story about the bank that I wrongly intrepreted.
After that I post about her "bad experience" about the bank which was entirely untrue.
It was simply exagerrated. I'm so embarassed for bringing exagerrating false info in the thread.
The staff could not help her with filling the forms because it required infomation details
about my father, sister & etc which the staff do not know.

No need unhappy or sadness like that, I also don't know, if like that eat what? No need answer, just wrote only.
If you have heritage also can, retiree money also can, OKU money also can, than mean if you have Fixed Deposit(FD) RM 5k or RM 10k like that, I think more easy,(or maybe let's the bank staff feeling you put RM 500 or RM 1K standby pay bill like that, that mean you'll keep use this bank service like that.), just want open the saving account for interest credit or next time use over counter IBG transfer service like that, this is really good reason and you put FD bank will many welcome you like that but "open saving account no need put FD".
If failed of Maybank, I think never mind, you have many choice, the bank page wrote Basic Saving Account(BSA), you read the eligible first(Normally, eligible is IC and RM 20 only, 1 bill also no need.). In my opinion, all bank under BNM, so can wrote like that, no big different, you still no need sincerely or stick of what bank or think what bank are top, if use for PayPal withdrew purpose all same like that.
One thing, if you still unable of bank Malaysia, the Payoneer also provide Payoneer card(ship to your address, worldwide), you're member of Payoneer and with Payoneer card, no need bank Malaysia account, you can direct withdrew money via ATM machine, no matter in Malaysia or Oversea. Yes, the Payoneer need fees, and I don't know, you can ask Payoneer for details. If not wrong you can link the PayPal with Payoneer card, withdrew the PayPal money to Payoneer card and then withdrew at any ATM machine or you only use Payoneer for receive payment also can, no need PayPal.(Fees and others info you can check via net or try ask Payoneer first.)

I think I don't know how, but in my feeling or opinion, no matter what, you should not speak or treat or think your mother like that, even not speak or treat or think your father like that. I also don't know, if you apply, only need your info only, no need your whole families or unknown info, maybe no need filled form, just through speak only, the bank staff ask directly, you just answer, or show the info only, then ok, signature and type the key. Maybe the bank staff following with you, step by step told you how to fill the forms till done, if don't know use ATM machine, you also can ask the bank staff, following with you, step by step told you till you can.(If you don't know use or wrong with ATM machine, the card will eat of ATM machine, you need apply new one, and paid RM 8.48, RM 10.60 or RM 12.70 like that.) If you front the unknown situation, you should think your father and your mother same like you, not wish like that.
Different people different situation. You're people, your father and your mother also people. If you not front the problems you able you should help your father and your mother apply(If you self need, this is not your father and your mother business), if you also front the problems, you should not blamed your father and your mother, all same front the same problems blamed your families member for what? Only hurt. If you want blamed, just try compliant or ask bank KL customer service to help you.
You wrote your mother like that and ask here, before this, you not feeling want ask your mother with clearly? Realize what happen on your mother? This is about care your father and your mother heart. I don't know your PayPal for what or can steady for long life or not, your father and your mother ready get old and you're adult, your father and your mother rely you. For an example deal with bank staff, if you able do it for your father and your mother, and then normally yourself also can do it. This is not for your father and your mother only, finally feeling like, you can help others the benefit still belong you and you help target is your father and your mother, nothing wrong.

I only sorry like that, hope all forgive me and so on, what I wrote useless, just I feel not like that.

Nowadays still got people use PayPal ah?

It is outdated and is being used by scammers only.