PDA

View Full Version : Maybank Visa debit facility not functioning



yvonnefoong
13-06-2009, 06:43 AM
Hello folks,

I have a Maybank ATM card and activated the VISA debit facility at my MBB home branch.

But it wouldn't work when I try to make online purchases using it the way I would by using another bank's debit card.

So Iwent back to my MBB home branch to check it out. The staff printed out a piece of computer record that showed my debit facility to be active. We even used the ATM machine to set my purchase limit just in case.

But after coming back from that visit to the bank, my card still wouldn't work while trying to buy a book through Amazon.com

It was also rejected at Ikea's cashier counter.

Could I have missed out something?

I thought of coming in here to ask you guys because if I were to visit MBB again right away, they might just print out the same piece of record and insist my card has been activated.

Thanks in advance for your feedbacks.

kuma
13-06-2009, 12:16 PM
You mention...."the way I would by using another bank's debit card".....

Which other bank's debit card have you used that works for online purchases?

ahtal68
13-06-2009, 01:45 PM
I didnt know we can use the MBB atm card to make purchases online. So far only retail purchases in at hypermarkets and selected shops at Subang Parade/Summit.

bobkee
13-06-2009, 07:02 PM
As far as I know, Maybank's debit card cannot be used for online transactions yet. I have specifically asked about this prior to changing my Bankcard to their Visa ATM card.

Public Bank now has a new savings account that comes with a Visa ATM card. This one has worked so far and the fees incurred are lower than their original Visa debit card product. You might want to check it out - the PB Day2Day account (http://www.pbebank.com/en/en_content/personal/cards/visa_d2d.html).

pucman
13-06-2009, 10:17 PM
Public Bank now has a new savings account that comes with a Visa ATM card. This one has worked so far and the fees incurred are lower than their original Visa debit card product. You might want to check it out - the PB Day2Day account (http://www.pbebank.com/en/en_content/personal/cards/visa_d2d.html).

What's the difference between maybank debit card versus public bank debit card ?

I have maybank debit card. Are we allowed rebate on petrol using maybank ?

pucman
13-06-2009, 10:25 PM
Hello folks,


It was also rejected at Ikea's cashier counter.

.

Most of these people are not trained to accept debit cards.

Out of the 3 counter guys I paid at TNB, only one know how to use it. It is pressed differently than credit cards.

If you press credit card, it won't accept. Ikea should be able to accept it.

bobkee
14-06-2009, 03:50 AM
What's the difference between maybank debit card versus public bank debit card ?

I have maybank debit card. Are we allowed rebate on petrol using maybank ?My criteria for shopping for a debit card would be:

Linked to account or stand-alone?
I prefer debit cards linked to bank account rather than a stand-alone card. The main reason being the fees charged for withdrawing funds via the ATM. Cards like Maybank Visa and PBB Day2Day also acts as a Bankcard which means only the standard MEPS fee for ATM withdrawals apply whereas PBB's Visa Electron is essentially a Visa / Plus card which charges RM10 per withdrawal from an ATM outside the issuing bank's network.
What are the fees like?
"Secret" fees like annual fees, withdrawal fees, et al, can surreptiously lower your debit balance. Do have a look at the fee tables and compare them prior to deciding.
Is it enabled for internet transactions?
For me this is a must as I use my debit cards almost exclusively for internet transactions. My main non-internet transactions of my debit cards are for the purchase of petrol. Here lies the main difference between Maybank's Visa debit card and PBB's. The former is not enabled for internet transactions whereas the latter is.

Nonetheless, do consider this caveat - since debit cards are pre-loaded with a cash value or linked to your bank account as its ATM card, it is important to keep the card safe. While extremely convenient, it doesn't have the additional protection of a PIN number (except for internet transactions - ironical eh?) to prevent unauthorised cash withdrawals.

I usually don't take them out with me unless I am planning to go to the petrol station. Otherwise, I leave them at home.

pucman
14-06-2009, 09:27 AM
"Secret" fees like annual fees, withdrawal fees, et al, can surreptiously lower your debit balance. Do have a look at the fee tables and compare them prior to deciding.
Is it enabled for internet transactions?
For me this is a must as I use my debit cards almost exclusively for internet transactions. My main non-internet transactions of my debit cards are for the purchase of petrol. Here lies the main difference between Maybank's Visa debit card and PBB's. The former is not enabled for internet transactions whereas the latter is.



Maybank debit card don't incur any annual fees or withdrawal fees but unfortunately, I cannot use it for internet transaction.

Does PBB charge you annual fees ?

For maybank debit card, I have to either key in pin number or sign on the form just like a credit card. So it's quite safe.

AllUrban
14-06-2009, 08:03 PM
My criteria for shopping for a debit card would be:

Linked to account or stand-alone?
I prefer debit cards linked to bank account rather than a stand-alone card. The main reason being the fees charged for withdrawing funds via the ATM. Cards like Maybank Visa and PBB Day2Day also acts as a Bankcard which means only the standard MEPS fee for ATM withdrawals apply whereas PBB's Visa Electron is essentially a Visa / Plus card which charges RM10 per withdrawal from an ATM outside the issuing bank's network.
What are the fees like?
"Secret" fees like annual fees, withdrawal fees, et al, can surreptiously lower your debit balance. Do have a look at the fee tables and compare them prior to deciding.
Is it enabled for internet transactions?
For me this is a must as I use my debit cards almost exclusively for internet transactions. My main non-internet transactions of my debit cards are for the purchase of petrol. Here lies the main difference between Maybank's Visa debit card and PBB's. The former is not enabled for internet transactions whereas the latter is.

Nonetheless, do consider this caveat - since debit cards are pre-loaded with a cash value or linked to your bank account as its ATM card, it is important to keep the card safe. While extremely convenient, it doesn't have the additional protection of a PIN number (except for internet transactions - ironical eh?) to prevent unauthorised cash withdrawals.

I usually don't take them out with me unless I am planning to go to the petrol station. Otherwise, I leave them at home.Interesting topic. Canadians are crazy about using debit cards for most transactions at all levels - but we use the debit cards that are linked to the bank account. The advantage is that transactions are protected by PIN, and your security is higher because you arent advertising that you are carrying cash.

I really wish that more Malaysian shops and banks would make use of this kind of debit system. In Malaysia there is MEPS Cash, the BANKCARD network, Touch N Go and other forms but they are not coordinated or widely-used.

In contrast, INTERAC (http://www.interac.ca) (the debit system in Canada) is so prevalent that some retailers will not even accept CAD50 and CAD100 notes because it is cheaper and safer for them to accept debit instead.

Like many Canadians, Ive signed up a no-fee online-only bank account (President's Choice Financial services) that offers unlimited debit transactions.

Funny thing, I came to Canada on Friday and the first thing I did was deposit my cash into my bank account so I can use debit.

Cheers, m

jianwei85
15-06-2009, 12:24 AM
affin bank debit master works..

Cougar
18-06-2009, 10:07 PM
Recommend to apply for Affin Debit Mastercard which can be used for retail transactions, auto-debit transactions & online transactions. Free annual fee. Cash advance withdrawal transactions at non Affin ATM is at a flat rate of RM7 per withdrawal. No capping of monthly cash rebate of 0.5% except for petrol & govt transactions.