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Ramjade
post Apr 27 2018, 08:07 AM

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QUOTE(Electraxander @ Apr 26 2018, 11:34 PM)
You could google for Maybank policy.
I don't meet up to their standard.
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You are not Malaysian? All Malaysian can open basic savings account with any bank in Malaysia. Maybank for PayPal is highly recommended. After opening a basic saving account, link it to PayPal.
Ramjade
post Apr 28 2018, 09:15 AM

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QUOTE(Electraxander @ Apr 28 2018, 01:40 AM)
I'm Malaysian.
It's just that the other day I try to apply.
They say they want people with big wages.
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No such thing. Tell them if I would like to speak to bank manager regarding this issue.

If they don't want, threaten to report it to BNM. Sure let you open.

This post has been edited by Ramjade: Apr 28 2018, 09:15 AM
Ramjade
post Apr 30 2018, 07:16 AM

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QUOTE(Electraxander @ Apr 30 2018, 03:11 AM)
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?
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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 doh.gif doh.gif
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.

QUOTE(Electraxander @ Apr 30 2018, 03:19 AM)
I have another question.
Does PayPal have risks?
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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).
Ramjade
post Apr 30 2018, 01:49 PM

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QUOTE(Electraxander @ Apr 30 2018, 01:33 PM)
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.
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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.
Ramjade
post Apr 30 2018, 06:00 PM

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QUOTE(Electraxander @ Apr 30 2018, 04:29 PM)
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.
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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
Ramjade
post Apr 30 2018, 09:56 PM

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QUOTE(RyuGW90 @ Apr 30 2018, 09:21 PM)
I was trying to link my Maybank atm card to PayPal
Are they gonna charge us RM 1 ?
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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.

QUOTE(Electraxander @ Apr 30 2018, 09:35 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.
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Well you can't blame the bank then.
Ramjade
post May 1 2018, 11:09 PM

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QUOTE(RyuGW90 @ May 1 2018, 08:16 PM)
Call the customer service number to ask them activate overseas transaction?

Here is the confusing part

I asked before and some forumers said no need, just link the card will do and some said if I didn't call them to activate it, Maybank will block my overseas transaction...  dry.gif
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As what axxer said need to call.

QUOTE(axxer @ May 1 2018, 09:03 PM)
You definitely need to call them. Overseas transactions are disabled by default and need to explicitly ask them to enable. Thats how i linked to PayPal a month ago.
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Ramjade
post May 2 2018, 04:45 AM

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QUOTE(Electraxander @ May 2 2018, 03:20 AM)
What if I'm not buying things online but selling things internationally or locally.
What online international license and reliable transactions system can I use to receive payments?
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If selling hings online, you can't open basic savings account. You need to open a current account.

Of course you can use a free basic savings account to receive cash says once a month. Depending on whether the buyer trust you or not is cheaper if seller directly bank into your bank account.
Ramjade
post May 2 2018, 06:08 PM

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QUOTE(jack2 @ May 2 2018, 02:30 PM)
Alipay, bitcoin etc....
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Alipay is only accepted in China. Bitcoin and crypto being closely monitored by BNM makes withdrawing hard not to mention huge fluctuation.
Ramjade
post May 3 2018, 10:37 PM

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QUOTE(Electraxander @ May 3 2018, 10:36 PM)
How about if I were to received cash from online surveys, amazon's mechanical turks, paid for searching the web, affiliate marketing to my websites and get paid review music.
What kind of account should I open?
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Paypal
Ramjade
post May 29 2018, 06:08 PM

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QUOTE(jimmyng @ May 29 2018, 05:59 PM)
Isn't some stores in Malaysia start taking AliPay?
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No Malaysians will use Alipay as
1) it's a mess to open Alipay if you are not from China
2) no incentive to use Alipay when CC give better rebates
3) those shops accepting Alipay is those catering to china tourist.

 

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