PDA

View Full Version : Pay bills via online



kokomo
06-01-2006, 09:07 AM
Ok peeps, to ease traffic also as well as convenience to run our errans ie. our bills via online ..

Anyone here uses any other online site to pay bills besides using Maybank2u. Cos I know Maybank imposes a certain amount of service charges here and knowing some like also myself wouldn't likely to use their facilities if we have the choice.

Anyone, anybody hv any idea on this? :confused:

isarahim
06-01-2006, 09:25 AM
I'm using

http://www.payonline.com.my

This covers at least some of my bills and I can pay via CC from overseas. Another advantage is that you do not need any specific bank account. I just find Maybank service horrible so I avoid them.

Unfortunately it doesn't cover TNB and a few others.

bugbear
06-01-2006, 09:33 AM
I use citibank online to pay my bill. No jam and no hassle. It is free as far as i can tell. The only down side is that there are not enough local branches available. Otherwise, I am very happy with citibank.

SunwayKid
06-01-2006, 09:45 AM
I use RHB Bank to settle all utility bills. Some more, can play games after paying. Great! :D

HSBC got as well - now with the security device, quite safe. But no of payees limited.

VeeJay
06-01-2006, 09:53 AM
Anyone here uses any other online site to pay bills besides using Maybank2u. Cos I know Maybank imposes a certain amount of service charges here and knowing some like also myself wouldn't likely to use their facilities if we have the choice.


I use maybank2u, but are you sure there are charges? I havent seen my account been charged for using it...been paying online for the past one year, prior to that was using payonline and, at times the payment to be made company's online website itself...hmmm :confused:

trex92
06-01-2006, 10:14 AM
yes, maybank does not charge the users but rather charges the traders. Maybank earlier wanted to charge RM10 annually to its users but later scrapped this idea as consumers all made noise.

Anyhow, besides maybank2u, i also used to use BCB's online channel-e too. Not as many options of bill payments but still ok.

libra
06-01-2006, 10:18 AM
I use HongLeong Online . No charges. Quite a no of payees too.

yankeat
06-01-2006, 10:31 AM
Maybank2u only charges fees for certain transaction, for example, PTPTN, Tabung Haji, etc. The site will state that it will charge for every transaction. If not, they will not charge.

Tenaga, Telekom, TM, syabas, indah water are not charged any fees.

ameer shah
06-01-2006, 10:41 AM
if you are paying by cash, then yup all banks accepts online payments for almost anything under the sun...

if use credit card, then its a bit limited..

charges wise,...no different between banks coz they are basically robbers...either they rob you while oaying bills, or later at the end of the year when they charged you for maintaining current account...

above all, paying online needs you to do reconciliation on your own coz sometimes there are tendency that your accounts are debited but the other side are not credited....crediting is not always online but with batch run..

so diff banks diff batch run time, some daily, some two days once...so be mindful..

whatever it is, it is still convenience at the comfort of your own home / office...

safety wise,...hey banks invest millions to ensure this, if you ppl are one of those who does not trust the safety of internet banking....well, its your choice....

leewinnie46
07-01-2006, 11:29 AM
I use citibank online to pay my bill. No jam and no hassle. It is free as far as i can tell. The only down side is that there are not enough local branches available. Otherwise, I am very happy with citibank.
Bugbear, I do agree with you the citibank online is good for bill payment and I am using an auto-debit for - Astro, MBSA, TM, Tmnet, TNB, Maxis, Celcom with my gold credit card. What I am more concern of is how to avoid paying the annual fee RM190 which SBB offer me FOC gold card with less merchant .

Currently looking for a bank which can cover more utility and merchant with foc annual fee

kokomo
09-01-2006, 09:11 AM
Bugbear, I do agree with you the citibank online is good for bill payment and I am using an auto-debit for - Astro, MBSA, TM, Tmnet, TNB, Maxis, Celcom with my gold credit card. What I am more concern of is how to avoid paying the annual fee RM190 which SBB offer me FOC gold card with less merchant .

Currently looking for a bank which can cover more utility and merchant with foc annual fee

Actually u can write in a letter to tell them to waived the annual fee of RM190 if u're a good pay master .. tell them if they dun agree in waiving it then u'll pull out from Citibank and transfer whateva u hv with them to SBB. This usually works cos i've seen my colleagues doing it .. haha ..

I find Citibank & MBF cards annual fees higher than rest of the banks .. tis is actually over charging when ppl are using their cards so frequent.

Pak Kadok
09-01-2006, 10:17 AM
Bugbear, I do agree with you the citibank online is good for bill payment and I am using an auto-debit for - Astro, MBSA, TM, Tmnet, TNB, Maxis, Celcom with my gold credit card. What I am more concern of is how to avoid paying the annual fee RM190 which SBB offer me FOC gold card with less merchant .

Currently looking for a bank which can cover more utility and merchant with foc annual fee

I think paying one's bills via Citibank Online is one of the best ways.

It's fast, efficient & safe and it's online.

But I don't give auto-debit instructions to them. I make payments via the internet manually.

As for the RM190 that Citibank charges annually for usage of the Gold Card, I really don't mind, as all the points gained from amount spent are more than enough to be utilised to offset the annual fees of RM190.

JackRyan1975
09-01-2006, 03:24 PM
I got no problem with Maybank2u thus far with regards to online payments to listed payees.

My only beef is their "transfer to 3rd parties", which requires some sort of additional PIN number...which I tend to forget to obtain from the ATM machine everytime, and hence conveniently overlooked.

kokomo
09-01-2006, 04:52 PM
I got no problem with Maybank2u thus far with regards to online payments to listed payees.

My only beef is their "transfer to 3rd parties", which requires some sort of additional PIN number...which I tend to forget to obtain from the ATM machine everytime, and hence conveniently overlooked.

That is for security pin but if u happen to transfer money evry month to that same acc .. juz put it into your favs and u don't even need to request for that TAC.

Recently i did my credit card payment thru maybank2u .. and the charges are RM2 per transaction .. initially , they only charged me 0.50cents but not it's RM2 on each transaction i made ..

Anyhow, it's still faster than queing in the jam to go taipan to make payments and etc etc ..

kwchang
09-01-2006, 05:11 PM
Have you forgotten how to write a cheque and post it to the card company? Costs only 30 sen postage and 10sen for the cheque. Even the envelope is provided f.o.c But this only works if you give it enough lead time for postal deliveries and cheque clrearances.

kokomo
09-01-2006, 05:53 PM
Well, to some .. we may not hv cheques ma .. so how to post to banks wif cheque? Anyway, some cases do happen that when u post a cheque out to banks it can even get lost in mids of it .. without us knowing it also till the next statements arrive and found out we kena compounding interest ..

But however ... cheques are still useful in certain ways ..

JackRyan1975
09-01-2006, 10:21 PM
Have you forgotten how to write a cheque and post it to the card company? Costs only 30 sen postage and 10sen for the cheque. Even the envelope is provided f.o.c But this only works if you give it enough lead time for postal deliveries and cheque clrearances.

Nope, I have not forgotten how to write a cheque. Just sometimes forgot the right time to write a cheque, and e-banking is the saviour from late payment charges. :)

patrick
10-01-2006, 12:11 AM
Have you forgotten how to write a cheque and post it to the card company? Costs only 30 sen postage and 10sen for the cheque. Even the envelope is provided f.o.c But this only works if you give it enough lead time for postal deliveries and cheque clrearances.

Chang, you must be getting special priviledge! Cheque now is already 15sens lah!

donkey
10-01-2006, 04:33 PM
e-channel is also a good online payment site. But they still impose transaction charges lar....

charis14
10-01-2006, 05:15 PM
I switched to using maybank2U.com for most of my bill payments since June 2003. Very satisfied with it. Opted for some direct debits along the way which helped reduce the need to keep track.


...
As for the RM190 that Citibank charges annually for usage of the Gold Card, I really don't mind, as all the points gained from amount spent are more than enough to be utilised to offset the annual fees of RM190.
Why let them deduct your points when new cardholders are being given all sort of incentive? One tip to save annual fee - l redeem ALL available points one month before renewal date. I also place my request for waiver. Upon renewal date, they will generally approve. If not, I am prepared to cancel the card. Of course, I provide sufficient "business" for each card.
What about "privileges for faithful members"? Sorry lah - No incentive here. As you can see, very few banks practise such nowadays. As for credit limits, the banks access a centralised system which allow them to know our standing with all banks.

kokomo
11-01-2006, 08:59 AM
Waaa .. din even knew that cheques also got price increased wan ... :eek:

DarReNz
11-01-2006, 11:10 AM
does anyone know whether can pay hire purchase for eon bank online ?

kokomo
11-01-2006, 11:22 AM
I only know maybank2u can do that even any loan that u're taking from them, u can pay them online .. as long as u got savings acc wif them .. u can do anything from maybank2u.

I don't think EON bank is that advance yet. System is alwiz down at the ATM .. :(

DarReNz
11-01-2006, 11:39 AM
I only know maybank2u can do that even any loan that u're taking from them, u can pay them online .. as long as u got savings acc wif them .. u can do anything from maybank2u.

I don't think EON bank is that advance yet. System is alwiz down at the ATM .. :(

ok thanks ... i have maybank2u ... now all i need is the acct number from eon .....

DarReNz
12-01-2006, 11:33 AM
can't believe its RM2 per transaction ... in aussie it's free .......

CH
12-01-2006, 04:59 PM
Have you forgotten how to write a cheque and post it to the card company? Costs only 30 sen postage and 10sen for the cheque. Even the envelope is provided f.o.c But this only works if you give it enough lead time for postal deliveries and cheque clrearances.

Chang,

Yes, it cost only 30 sen postage, but with Public Bank, I was asked to maintained average RM 3000.00 else every month is RM 5 service charge! If I got that much money to keep, no need to work liao! Sucks with this kind of blood sucking charges.

kokomo
12-01-2006, 05:12 PM
I think if those of u that hv this Maybank2u, maybe you can check out their i-account which is actually a current account that gives monthly interest to user of this acc which I think they're not bad in this form.

What other banks that can provide current acc that gives u interest in such acc ..?!?! But then to open this i-account u need to hv at least RM500 to open that acc .. and u can check your acc status online through maybank2u as well as print your statements.

patrick
12-01-2006, 08:05 PM
I think if those of u that hv this Maybank2u, maybe you can check out their i-account which is actually a current account that gives monthly interest to user of this acc which I think they're not bad in this form.

What other banks that can provide current acc that gives u interest in such acc ..?!?! But then to open this i-account u need to hv at least RM500 to open that acc .. and u can check your acc status online through maybank2u as well as print your statements.

For current ac with interest with Maybank, open the Islamic Ac. Higher interest and lower charge if payable. You can also get good interest rate for current account with AmBank. But if you want more efficient and less crowd, go for Ambank. Besides, most of the staff are very helpful and most give you a good smile. Also knowledgeable. Maybank?...most are "ta tahu"..!!

charis14
12-01-2006, 08:41 PM
Have been using i-account for past 3 years. Strongly recommend this for the internet users - though the bank does not seem to be actively push this.

Almost entirely similar to their Premier account (Current account WITH interest) but totally FREE. No RM10 service fee every 6 months (or RM5 each month if balance is below RMX000). When broke, the account can drop to single digit with no penalty. Internet usage FREE except for inter-bank transfers.

I believe the i-account is a legacy from Phileo Bank - but improvised to be more "service friendly". While Phileo would have charged for counter visits (e.g. over-the-counter withdrawals), Maybank does not charge for these.

kokomo
13-01-2006, 09:05 AM
For current ac with interest with Maybank, open the Islamic Ac. Higher interest and lower charge if payable. You can also get good interest rate for current account with AmBank. But if you want more efficient and less crowd, go for Ambank. Besides, most of the staff are very helpful and most give you a good smile. Also knowledgeable. Maybank?...most are "ta tahu"..!!

As for me, I feel that Ambank service is still behind Maybank. Looking at Ambank in taipan there, that alone for people to settle the que is hell of long & number of ppl waitin' at counter is also sardin packed. Do they hv online services too?

For me, till now dun really hv much problems wif Maybank although sometimes might hv 1 or 2 bad days wif them .. but then i guess that's alrite .. ;)

patrick
13-01-2006, 06:02 PM
As for me, I feel that Ambank service is still behind Maybank. Looking at Ambank in taipan there, that alone for people to settle the que is hell of long & number of ppl waitin' at counter is also sardin packed. Do they hv online services too?

For me, till now dun really hv much problems wif Maybank although sometimes might hv 1 or 2 bad days wif them .. but then i guess that's alrite .. ;)

Are you serious? Queue in Ambank?? There is seldom any queue in Ambank!! Even where there is a lot of people, everyone gets to seat properly unlike in Ambank where there is hardly any place even to stand especially towards end and beginning of month. In any case, people dont wait at counter in Ambank. They take numbers and are comfortably seated. Where did you get the idea they queue at the counter???? Are you sure you didnt see a bank made of paper ah???

DarReNz
13-01-2006, 10:23 PM
hey just wondering for hire purchase to pay for eon bank using maybank2u ... what to put for these ? Thanks

Beneficiary Name :
Beneficiary ID :
Transaction Reference Number :

DarReNz
13-01-2006, 10:42 PM
I think if those of u that hv this Maybank2u, maybe you can check out their i-account which is actually a current account that gives monthly interest to user of this acc which I think they're not bad in this form.

What other banks that can provide current acc that gives u interest in such acc ..?!?! But then to open this i-account u need to hv at least RM500 to open that acc .. and u can check your acc status online through maybank2u as well as print your statements.

hey kokomo,

I check the rates for i-account and basic savings account for maybank and they are almost the same .... not much difference ......

kokomo
14-01-2006, 08:22 AM
hey kokomo,

I check the rates for i-account and basic savings account for maybank and they are almost the same .... not much difference ......

Well, maybe only diff is that every month u get interest from i-account and whereas savings acc .. is jz saving u only get it twice a year lor ..

kokomo
14-01-2006, 08:24 AM
Are you serious? Queue in Ambank?? There is seldom any queue in Ambank!! Even where there is a lot of people, everyone gets to seat properly unlike in Ambank where there is hardly any place even to stand especially towards end and beginning of month. In any case, people dont wait at counter in Ambank. They take numbers and are comfortably seated. Where did you get the idea they queue at the counter???? Are you sure you didnt see a bank made of paper ah???

I mean they queue at the Ambank counter lah .. it's at the machine counter that ppl are queueing .. pathetically long ... i've been there waitin' together wif my friends for another fella jz to queue there to make payments for his whateva loans ..

charis14
14-01-2006, 10:35 AM
I check the rates for i-account and basic savings account for maybank and they are almost the same .... not much difference ......
On top of basic saving account, i-a/c is also a current account with cheque facility. Such accounts normally CHARGES monthly fees ... unless you have huge average balances.

emw
14-01-2006, 12:22 PM
Hong Leong Bank in Sunway and SS15 are not very good if you turn up in person and talk to the staff, but HLB banking online is excellent. Their customer support (phone and email) is excellent, and the system is well designed, easy to use and fairly fast even over a dial-up connection. I love it.
E.

DarReNz
23-01-2006, 07:46 AM
Hong Leong Bank in Sunway and SS15 are not very good if you turn up in person and talk to the staff, but HLB banking online is excellent. Their customer support (phone and email) is excellent, and the system is well designed, easy to use and fairly fast even over a dial-up connection. I love it.
E.

I heard there is a new HL Bank in SS 19 ..... hope to see more banks there ......

kokomo
23-01-2006, 09:15 AM
I heard there is a new HL Bank in SS 19 ..... hope to see more banks there ......

Errmm ... i think the one in ss19 is actually a OCBC bank .. :)

starrnorth88
26-01-2006, 01:12 AM
All of you becareful. Maybank and a lot of other bank charge RM2/- for transfering money between banks (giro). only Ambank charge RM0.50 and I use it.

Maybank also got the nerve to charge service charge for paying online to their own insurance unit. (Maybank assurance)

well, they have to make money i guess

kokomo
26-01-2006, 09:36 AM
Yepz, maybank do charge $2 for the giro thingy .. but then , evry month first 2 transaction for giro they actually charge 0.50cents .. after that only they start chargin' $2 which is kinda costly .. :mad:

I saw there that, if we apply / had they Maybankard .. anything we wanna pay like insurance, telekom, streamyx & etc .. can be done online without any charges .. cos certain bill payment u wanna pay wif other cards is not acceptable in maybank2u.

PJS
26-01-2006, 10:17 AM
Ok, I've been using Maybank for like 16 yrs and they had their ups n downs in terms of service quality. I've used other banks in btw (BBMB/BCB, HLBB, HSBC, PBB, AMBB, etc) but eventually still use Maybank as my main banking account. I started with their phonebanking for since the dark ages and switched to maybank2u the day they started internet banking, seems like a long time ago, can't remember which yr, heheh... :)

ALL my bills are paid online these days via MB2U, including payments to other banks' credit cards(RM2 Giro charge is cheaper than driving out to pay anywhere else, anytime). Some 30-40% of bills can be paid by MBB credit cards and the rest from current account. I used to finish a check book in a couple months last time but now my check book lasted almost 2 yrs.

I can't think of any bill that I need to pay in person(or by check), except:
-the blardy American Express card (luckily they come to collect checks at my office)
-condo maintenance
-children's education fees

Some bills can even autodebit to a credit card and then just pay the one card off online. Ideally, all bills should be paid this way but knowing the billing systems of some companies, I would rather check the bills before pymt. Even all the city council and police summons can be paid online if u choose to.

I wonder who else here (assuming all of us in this forum are internet savvy) goes and queue up to pay bills at banks these days and for what reason??? :p

Yes, once in a blue moon i do pay some bills in person just to get a machine stamping on it ... forgot to pay n overdue ma... afraid TNB go n cut off my supply so need to hv proof of payment in case they come, hehehehe :o

VeeJay
26-01-2006, 12:15 PM
Well said PJS...ditto...Maybank have to further improve their service which is very much lacking and their tidak apa attitude.

kokomo
26-01-2006, 03:16 PM
There is this one time that my atm card kena telan by maybank machine but then when I immediately call their call centre , they acted on the spot .. so I guess Maybank isn't that bad after all ..

The following day when I was suppose to go back to the taipan branch to claim back my atm card .. unfortunately it was not found :eek: but then cos of this mistake they immediately issue me another new atm card and old card was already cancelled ...

Maybank2u, can also check your FD acc how much interest u've collected in there, when is the expiry and so on .. not bad!!! :)

JackRyan1975
26-01-2006, 03:34 PM
I've finally got my Maybank2u TAC number. Great, now can do a wider range of transactions (meaning: more money can flow out easier :( ).

kokomo
26-01-2006, 04:29 PM
Speaking of TAC .. actually, if we save those regular acc that we need to transfer our money .. we don't actually need to use TAC! So most of the acc I've already save into my fav column there .. it's so fast & easy :D

Sometimes if there is an urgent matter we tend to forget to request for TAC .. then hv to cancel the whole transaction & go request our TAC. Even my credit card payments thru giro also i dun need TAC liao .. ;)

JackRyan1975
26-01-2006, 05:45 PM
Kokomo, the TAC generated everytime will be the same number? We need to get the TAC again only if we forgot the number right?

patrick
26-01-2006, 10:37 PM
Well said PJS...ditto...Maybank have to further improve their service which is very much lacking and their tidak apa attitude.

I may my bills mainly via my Citibank online,except Diners card which I pay via M2u. But like everyone said, Maybank service is terribly hopeless! I keep the account only because I have to for certain reasons. Otherwise I would have shut it down long time ago. I still prefer Arab Bank. The staff are soooo much more friendly and efficient. And most speak English. In Maybank, there are staff that can hardly speak proper English and neither can they understand! How dah???

kokomo
26-01-2006, 10:56 PM
Kokomo, the TAC generated everytime will be the same number? We need to get the TAC again only if we forgot the number right?

Jack, the TAC can only be use for that day.. so after 1 day it will be expired. So each time you want to perform a transaction u hv to request TAC from them for that day.

JackRyan1975
27-01-2006, 09:39 AM
Jack, the TAC can only be use for that day.. so after 1 day it will be expired. So each time you want to perform a transaction u hv to request TAC from them for that day.

Thanks kokomo. Haiya....a bit inconvenient. If only they allow GIRO transfer from the ATM. Then no need to drive out for TAC, then come home and log on.

VeeJay
27-01-2006, 10:12 AM
Thanks kokomo. Haiya....a bit inconvenient. If only they allow GIRO transfer from the ATM. Then no need to drive out for TAC, then come home and log on.

You dont need to drive out for a TAC, as long as you have registered your cellphone number, you could request for a TAC online, and one would get it in les that 20 seconds!

JackRyan1975
27-01-2006, 10:20 AM
You dont need to drive out for a TAC, as long as you have registered your cellphone number, you could request for a TAC online, and one would get it in les that 20 seconds!

Cool! And I was wondering why the need for mobile TAC when I can get a TAC from the ATM immediately...hehe silly me. Thanks VeeJay.

Looks like it's getting fun sending money out by just hooking on the net. :D

kokomo
27-01-2006, 01:07 PM
Haha .. sending your money out from bank online is fun ... buying things online is fun .. gettin' ppl to fraud your acc lagi interesting ... :D

Well, i guess everything has its pros n cons ... :rolleyes: