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Public Bank Visa Electron Debit Card
Filed in: Life Log, Malaysia — June 14th, 2005
I got my debit card from Public Bank, it open a new big door for me to spend my money, and perhaps earn more money!
I got my Public Bank Visa Electron debit card yesterday morning, it was send by Pos Laju.
Unlike credit card, you won’t go bankcrupt because of using debit card because you need to have enough money in the debit card before you can purchase something.
In that way, you learned to manage your money better. 
Why do I apply a card?
I do not shop. I apply it because I want to use it to open new opportunities of online business. Without a card, it is hard to do online sell & buy.
Why not credit card?
No, my salary is over RM1500 per month. 
In fact, I had applied for Citibank credit card once during my first job, but got rejected. Surprised?!
After that, I knew about Public Bank debit card can be used like a credit card online, cheaper annual fee(RM24), low requirements(generally, 18 year old or elder, got money in bank).
Therefore, I decided to get a debit card. I don’t do shopping, anyway. Credit card and debit card are same to me.
How am I going to use the card?
First of all, I added the debit card info to activate my PayPal account. I will use the card to verify my status in other online credit card processing system too. Then, I can fund in the accounts.
Besides, I can use the card to pay for some fees(e.g.: domain and hosting fee), buy books at Amazon, bid at eBay, etc.
Oh. I can buy PC games on behalf to my brother, too.
Earn money from the card?
This is my main purpose. I apply for debit card is not to spend money but to earn more money (from Internet). I am not going to reveal about my plans, yet. Business secret.
My two cents
Though there is limit in debit card, but self-control is still very important. When I got the card, suddenly I feel that I can buy ANYTHING(which is less than my bank account balance)!
That is dangerous. Need to always remind myself before using the debit card. Now I can understand why so many Malaysian cannot clear their credit card(s) debt… 
On the other way, with the card in hand, I really feel that there is a door to online business openning for me. That’s great! 
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June 14th, 2005 at 9:51 am
welcome to the club, lcf! i had been using public bank visa electrondebit card too for years. yes, like you, one of my main purpose in applying for it is to make transactions online. although unlike credit card, which we know for sure is accepted everywhere, every companies, the electron card is limit yes, but still it’s good to know that at least a few major companies like amazon and paypal accept the electron card.
having an debit card is easier to manage accounts than credit card because we will sure keep track of how much we have in our electron card before we spend.
June 14th, 2005 at 1:00 pm
i dont go and apply citibank but they approach me…so i dont think i will get rejected.
btw…you said
i think you mean on behalf.
June 14th, 2005 at 1:14 pm
@kahsoon: keep in mind that “approach” and actually “approve” are different story. I got approached too but still rejected at the end.
btw, thanks for the correction.
June 14th, 2005 at 1:34 pm
I submitted my application form as well, now i got to wait for their reply. How long does it take you to get everything settle? Hope it’s not too long :/
June 14th, 2005 at 1:46 pm
quite long… about one to two months.
June 14th, 2005 at 3:10 pm
Is it that long? Gosh… I just applied couple weeks ago.
I hope to get it by this month and then i can shift my blog to us webhost
and verify my paypal
June 15th, 2005 at 3:28 pm
hm…debit card to good way to control spending. There’s too many bankrupts in msia already
June 16th, 2005 at 12:08 pm
but dun forget debit card is danger compare to credit card
for credit card you can stop some vendor which keep bill you
for debit card you can only stop that card and reapply again to avoid this type of vendor
June 16th, 2005 at 1:26 pm
dangerous? I think it is safer. Debit card has limited amount inside. Example, I have only RM100 in my debit card. The most ppl can bill is that RM100, no?
June 17th, 2005 at 9:40 pm
Not danger ? maybe troublesome ? if every month u meet one thsi kind of merchant.. then u need to change ur debit card every month ..
lol so u would actually open a bank to put limited $$ for debit card purpose ?
sound wierd right ? and i not sure for internet transaction is that they can only bill on the amount you have .. maybe double check with the bank betteR?
August 13th, 2005 at 8:28 pm
can someone help me plz ..
i just receive my debit card today morning
and i wan verify my paypal account ..
but … i cant coz got this error
“This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer’s customer service department. Or, you may want to try adding a different credit card.”
any idea ??
August 14th, 2005 at 12:54 am
Haifz: how much money you transfered into the debit card? You need more than RM25(minimum of debit card) in order to activate it in PayPal, because PayPal will credit a small amound(USD1+) from your card.
August 14th, 2005 at 2:23 pm
rm25 ngam
August 14th, 2005 at 9:45 pm
Haifz: put more money(e.g. RM10) to your debit card and try again at PayPal.
August 15th, 2005 at 9:58 am
ok .. thx …
September 7th, 2005 at 8:53 pm
I too got this error when applying the visa electron for paypal for the first time
I did enter my name…Visa…16 no’s and the security code 3 no’s.
I just got my Standard Chartered Debit Card with Visa electron!
On the card stated valid thru
“02/12″
Anyway I put the expiry date: 02, 2012
September 13th, 2005 at 12:47 pm
I’m just not sure, I have seen a merchant use “MasterCard, American Express, JCB, Visa, and debit cards with a MasterCard or Visa logo (GOOGLE AdWords)” for payment option?
Is it BSN VISA ELECTRON works for this transaction?
If true then I will rush to BSN today.
September 13th, 2005 at 1:19 pm
I have call BSN, PB Customer service,
both said cannot use their Visa Electron for internet transaction.
I mention her if the payment option consist “debit card”, the PB CS says yes.
Visa Electron website says
“Looking for a fast, convenient, and safe way to pay for your purchases, even when you are online? With a Visa debit card, you can purchase what you want, when and where you want it. Using your Visa debit card is quicker than making a trip to the bank, more convenient than writing checks, and safer than carrying cash. And shopping at home, online, or at locations around the world has never been easier.”
Is it your debit card works for ALL transaction?
September 13th, 2005 at 6:14 pm
I’m just frustrated with the Debit Card (ATM) Standard Chartered with the visa electron.
I went to update my Paypal still got the same error…”This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer’s customer service department. Or, you may want to try adding a different credit card.”
Don’t ask me if I have enough money inside my account more than enough!
Please anyone can guide us how to apply this stupid visa electron!
September 13th, 2005 at 8:30 pm
taufiq: visa electron card can be used on most online store, even they do not state that they accept visa electron card. How do we know it accept or not? We know after we tried.
Frustrated Visa Electron user: have you contact Standard Chartered bank customer support?
September 13th, 2005 at 8:48 pm
LcF: I’ve contacted them via email…they ask me about the atm car no.
The next day I’ve received an email from them. They said my account seems to be fine…whether the merchant accept or not….if there any problem need assist please email….
I’ve tried again adding my debit card visa electron 16 nos and 3 last nos and expiration date to the paypal website. Still have the ” error denied….same old story…. I can’t wait…tomorrow I’m trying to use western union to make money transfer…
I went to pos office, they ask me go to
“Bumiputra Commerce Bank” do the “western union” thing…
September 13th, 2005 at 8:52 pm
I’m trying to buy item from YesAsia.com.
They have option for Money Order, Bumiputra Commerce Band “Western Union” service, do they provide money order service, because those pos office staff asked me to go there, to make my money transfer….
Do anyone use it?
September 15th, 2005 at 3:01 pm
i am a international student and study in malaysia.i just want to ask that is any body guide me perhaps i want to use a debit card but idont know which bank offer this coz i am may bank account holder but they did’t offer this facality..
and how much time it will be take?
thanks.
if any body give me a help do email me,,,
thanks a lot
[Edit: no email address will be published ]
September 15th, 2005 at 5:21 pm
farhan: It is Public Bank. It takes about one month plus.
September 15th, 2005 at 9:21 pm
can i see my debit balance online ??
any idea ?
September 16th, 2005 at 9:34 am
Hafiz:
I just want to ask can you verify your debit card (visa electron) with paypal ?
I’m using standard chartered with visa electron (debit card) still cannot!
September 16th, 2005 at 10:08 am
Hafiz, we cannot check the balance online.
Frustrated Visa Electron user! (use shorter name pls): yes, PayPal accept PB visa electron card. I verified mine.
September 16th, 2005 at 12:13 pm
thnx LcF.one more thing in public bank debit card what kind of logo i mean Master or Visa.and as i am may bank account holder,is i need to open a new account in public bank?
September 16th, 2005 at 12:37 pm
the logo is “Visa Electron”. You do not need a new account in Public Bank. Goto Public Bank, ask for a Visa Electron debit card form, fill in and submit. It takes about one month You will get a notification letter with instructions to activate your debit card.
September 16th, 2005 at 2:51 pm
LcF: Then if PayPal can accept Public Bank Debit Card (ATM) Visa Electron.
I don’t have any account there.
Is there any conditions & how much to apply the ATM Visa Electron Card?
Do I need to pay every month…to maintain it for the (card)?
Thanks!
September 16th, 2005 at 3:04 pm
I just got an email replied to me from Standard Chartered bank, saying the paypal doesn’t show visa electron logo on its website, only visa credit card…
So I’m quite confuse now why the public bank visa electron debit card can be verified but not standard chartered visa electron debit card?
If I sign up for the public bank visa electron, what if the error still comes out? Just like the “Hafiz” problem!
Confuse by it!
September 16th, 2005 at 3:09 pm
NewUser: You need to keep at least RM25 in the PB debit card. You do not need to have an existing PB account. You do not need to pay every month. There is a yearly fee for the debit card.
I repeat, I use PB visa electron debit card to verify my PayPal account. It works for me. if it does not work for you, then I have no clue.
September 16th, 2005 at 4:08 pm
yap .. my paypal almost e verify now ..
just wait for 4-digit Expanded Use Number
;p
hey .. can i use my PB debit card at shop which not hav visa electron sticker. only visa
September 16th, 2005 at 4:36 pm
Hafiz: you can try. Some accept PB debit card without displaying the visa electron sticker at their shop. I bought my ibook using PB debit card.
September 16th, 2005 at 4:39 pm
ok ..
thx for the information ..
very usefull ..
;p
September 22nd, 2005 at 11:21 am
is any bodytold me that what is pay pal?
September 22nd, 2005 at 9:47 pm
paypal is online bank for me ..
i dont know about other opinion
;p
September 25th, 2005 at 5:17 pm
i want to know,is debit card work same like credit card.as i like travilling can i use my debit card world wide?can i pay my hotel room charges?etc..
September 26th, 2005 at 2:40 am
ya .. it’s same i think ..
the different is u need deposit 1st before use .. same like prepaid card ..
;p
September 27th, 2005 at 1:36 pm
thankx
September 27th, 2005 at 1:49 pm
welcome … >.
September 27th, 2005 at 2:34 pm
i knew that its not related topic, (sorry)
but can i bring a laptop from japan via any way.i mean some one send from japan to me can i get here..
September 30th, 2005 at 3:20 am
LcF: Do i need to open an account with Public Bank if i want to apply this debit card? Recently i went to Public Bank and ask for visa electron debit card, but they said i need to open new account with public bank first..
September 30th, 2005 at 11:04 am
The application form I filled in did not stated that you do need to have an existing Public Bank account in order to apply a Public Bank visa electron debit card, because thhe debit card is treated as a separate account. However, you may need to re-confirm with Public Bank.
September 30th, 2005 at 1:44 pm
i am thinking to apply this public bank visa electron
hope everything smoof
September 30th, 2005 at 4:07 pm
farhan : dont buy any electronic item direct from japan
September 30th, 2005 at 7:33 pm
LcF: how can i fund my debit card if i don’t have an existing Public Bank account? is there any way to fund the card?
September 30th, 2005 at 11:00 pm
noname: you can goto Public Bank to fund the card. Please proceed to Public Bank counter for more details.
October 3rd, 2005 at 2:06 pm
ok.thank you.
October 13th, 2005 at 8:58 pm
LFC:hi i have just applied for the PB visa electron card. can i use it for online transactions that display only visa logo but not visa electron logo?
October 13th, 2005 at 10:16 pm
shashi: you can try but no guarantee. 8 of 10 will accept visa electron even it does not has the logo.
October 14th, 2005 at 7:02 pm
Anybody try registering with public bank already? Just wanna confirm whether i need to have a PB bank account. Does Maybank issue debit card :)?
October 14th, 2005 at 7:08 pm
i already got my own debit card with publicbank without publicbank account .
October 15th, 2005 at 12:15 am
Thx so much for the info guys. Will be applying one very soon. Btw, I came across this as I search, so you might want to read through it first to speed up your application, it’s the Visa electron site for public bank.
http://www.pbebank.com/forms/ebanking/CardDetails/PB%20wed-page2.pdf
October 17th, 2005 at 2:10 pm
i applied P.B Debit card 22 of last month,but still did’tget any response from them?why/ how ;long it will be take?
October 17th, 2005 at 3:56 pm
it took me over one month to receive my debit card.
October 17th, 2005 at 6:30 pm
lol …
mine only a week
October 18th, 2005 at 2:36 pm
yesterday i visited the P.B branch where i submit the application,
but serprise when i heard that there is no record of my application.coz the officer who take my application did’t submit it all.(ohhh)
so i have to apply agine.
pray for me.
November 10th, 2005 at 4:22 am
hello,
anybody here are using AllianceBank Debit Card? Please refer to this link.. http://www.alliancebank.com.my/Personal_Banking/alliance_bank_international_debit_card.htm
thank you.
November 20th, 2005 at 11:08 am
thanks for the info, liew!
November 25th, 2005 at 1:05 pm
Hai guy,
I had mine last year. But i naver used the card.
I want to ask, if someone know?
How to recive payment using they card to my Aco.
I know you can go to PB counter to make payment.
but what i whan to know is can somebody pay to my Visa acount
with they visa card. Likely online. Or how i clame the money in bank.
Do i need the swipe thing. please. help me…
November 26th, 2005 at 8:04 pm
we cannot transfer fund into PB visa electron card via online, it need to be done at PB ATM.
November 29th, 2005 at 9:26 am
Hai again.
can we check if someone bank-in to us, online. As far as i know, PB only give statment (Kenyataan) by pos. how can i check if someone bank to me to my aco inediately.
Thank you LcF
December 1st, 2005 at 12:49 pm
i believe the answer is cannot. i think there is no online service available for this debit card like Pbebank,Mb2u and etc. you can do that at ATM to check balance and etc.
Do you have public bank account? if you have one, you can use the PBebank online banking service.
p/s: i just received my PB visa electron last month.. i do not need the PB account
December 12th, 2005 at 5:02 pm
Check balance 4 debit card on PR debit card is available but charge with some fee…not sure how much is the fee, but u may check it online..login to ur PBE online banking acc.there is that facility..
By the way, my main concern is on paypal, i got 1.5k fund to my paypal weekly and i know that fellow malaysian unable to withdraw money to local bank, is there any other alternative for us to withdraw the money from paypal to other online pay processor or exchanger and then transfer to local bank? plz enlighten me, thanks.
December 17th, 2005 at 11:01 pm
anybody… pls help me I receive PB debit card. I want to use this card with my paypal. Right now I cannot verify the PB card at Palpal verify member. Anybody have idea how to get verify my Paypal??..
Thank in advance.
December 18th, 2005 at 12:46 am
1sen: login paypal, add your pb debit card info. At the end of the month, you get the paypal code in your PB bill. Enter the code into your PayPal account to verify it.
December 18th, 2005 at 4:29 pm
how do I put in the info, cause went I put in the debit detail, submit and here the error msg (”This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer’s customer service department. Or, you may want to try adding a different credit card.”).
December 18th, 2005 at 4:58 pm
do you have enough credit in the debit card? You need to have spare RM10 in the debit card, beside the minimum amount.
December 18th, 2005 at 9:37 pm
another simple method to use PB debit card to verify paypal account
December 19th, 2005 at 11:14 am
hi all! i’d like to know the best currency to choose from, either US dollar or else by taking other consideration such as taxes or anything if i wanna register for paypal using visa electron..
thanks for attention.
December 19th, 2005 at 11:26 am
Selipar: US dollar will do. You do not get charged for verify PayPal account (it will refund to you).
December 19th, 2005 at 11:36 am
thanks a lot LcF. That’s a relief. What a suprised flash reply..
:)
December 27th, 2005 at 1:13 pm
Hi there LcF, can the Debit Card use to verify StormPay ? or just paypal?
December 27th, 2005 at 5:11 pm
LoL: I have not use it to verify StormPay before.
December 28th, 2005 at 1:41 pm
hi there LcF,
Do you have any idea how to verify using that same card again?
can i add the same pb debit card that i accidentally remove from my paypal account? when i tried to add that card again, i received this: “This card has been disabled for entry into the PayPal system. Please add a different card.” i dont have any other card to get my paypal verified
thanks
December 28th, 2005 at 3:59 pm
noname: one credit card/debit card can be used for one PayPal account only. You may try to contact PayPal customer service for the issue. Worse comes to worst, cancel the PB debit card and Re-apply it.
January 2nd, 2006 at 12:08 am
i found that it is possible to fund the debit card through ebank service. Balance enquiry also possible on ebank. It is all stated here: http://www.publicbank.com.my/en/en_content/features/popup3.html
http://www.publicbank.com.my/forms/ebanking/CardDetails/PB%20wed-page2.pdf
January 8th, 2006 at 3:00 pm
The big question still not answered, can you fund your debit card with paypal, not from credit account but money that you earn from internet business.
What is the point of keeping a secret and blog about simple banking issue here, typical Malaysian.
January 8th, 2006 at 3:14 pm
deart: if your paypal fund is not enough to pay the bill, PayPal will credit from your debit card.
January 8th, 2006 at 5:21 pm
The thing is, I already have a credit card verified to use under paypal, as from what I read here you can only asign one card either credit card or debit card.
Is there a reason it has to be PB bank? Can you withdraw cash from ATM? If so, Why paypal borther to block us from withdrawal at all? Or is it just for online transaction only.
Is it that simple, get a PB bank debit card will enable us to top up with available funds from our paypal account and get cash from relevant ATMs which caries Meastro/ Cirus logo?
January 8th, 2006 at 5:34 pm
I do not have a credit card, that’s why I use debit card. PB visa electron debit card has been proven that accepted by PayPay. I am not sure about other banks’ debit card. We can withdraw the money in debit card via ATM.
PayPal does not block us. It hasn’t extend withdrawal service to Malaysian. Please read “PayPal’s reply to Malaysia members”
Yes, we all hope to be able withdraw PayPal fund locally soon. We waited few years for PayPal to accept Malaysian member, I think we have to wait again for the PayPal fund withdrawal service.
January 9th, 2006 at 4:26 am
hi, found this website from google.. would like to ask, can this can work as normal credit card? or we hv to seek for the visa electron logo in order to use it? how long will the application of this card gone thru?
and in paypal, if i verified this debit card, can i accept funds (instant transfer) from other paypal account? and has it got any limitations? (like sending limit or receiving limit)
i’m only 17 this year.. can u guys tell me the requirements? like age, how many $, jobs?
thx!
January 9th, 2006 at 6:45 am
icycokes: if you have credit card, it is better. I don’t have a credit card, therefore I apply for debit card. Debit card looks like a credit card but not all shops accept it.
It took a month for PB to approve my debit card. If I am correct, you are required to be 18 year old to apply a debit card. Unlike credit card, it is very easy and no strict rule while applying debit card.
Yes, you can accept/send PayPal fund without limitation after verified the debit card in your PayPal account.
January 9th, 2006 at 11:34 am
i c! such a quick reply.. anyway, can i ask my parents to apply the card for me? (as i’m underage) can i still use this card? i mean on physically, shopping and dining?
i read the the application form, found out that the name on card can be differ with cardmember’s name.. so can i fill my name on my parent’s card?
how about the expand use? last time i borrowed my parent’s credit card on paypal.. wrongly entered the expand use number then ended up the card is now blocked by paypal.. so the question is, does this card hv monthly bills? or can i view my bills online?
thx!
January 9th, 2006 at 1:06 pm
It is so easy to get a credit card nowadays, go to any shopping complex and you’ll find these indipendance promoter, though no guarantee but apply for all if you wish.
I myself barely make 2k a month but I have 4 cards 3 of which is not used, if your income is just enough to sustain your expenditure, go register as a sole proprietor business man then your chances is higher, they will assume you have side income.
January 9th, 2006 at 1:47 pm
@icycokes: I am not sure but I think it is better to have your own card to avoid some unforeseen conflicts. Yes, the debit card has monthly bill but cannot view the bill online.
January 9th, 2006 at 7:28 pm
ya.. 1 more question, does it need to enter expand use number? the number only comes in the bill monthly?
thx.
January 9th, 2006 at 9:27 pm
@icycokes: the PayPal account verification only complete after you enter the expand use number in the monthly bill.
January 10th, 2006 at 1:06 am
that’s mean, after we get our new card from PBB, then login to paypal, and add card, then after get our first bill from PBB, entering the code provided in the bill, then only our verification is complete? (sounds like months of progress; waiting card. then wait for bill, then only beong verified) is that correct?
January 10th, 2006 at 1:11 am
liew, u did apply the pbb card thru online right? then they delivery by poslaju? when u paid for the first fee and also those RM25 min ?
January 10th, 2006 at 1:47 am
Correct.
I applied at PB branch. They deliver the card by PosLaju. You will receive a letter ask you to fund the debit card before PB send you the db card.
January 10th, 2006 at 3:16 pm
I like to send USD1.00 to your pay pal account and see if you can fund your debit card with it.
Would you mind trying this LcF? It will be a great news if you could.
January 10th, 2006 at 3:47 pm
we cannot fund debit card with PayPal fund.
January 31st, 2006 at 2:47 pm
that mean even with PBB debit card, you still cannot withdraw money from paypal locally?
February 1st, 2006 at 1:53 am
yes, we cannot withdraw paypal fund locally.
February 3rd, 2006 at 6:07 pm
if we have credit card, how long does it take to approve our paypal application? is it immediate?
February 3rd, 2006 at 7:06 pm
It is not immediately. PayPal will charge a small amount (US$1.95, if I remember correctly) on your card, and a secret number will printed on your card monthly bill statement. You need to key in the secret number to complete the paypal account verification.
February 7th, 2006 at 2:12 pm
If I apply PB Debit Card, that means I can apply for PayPal right? Ok. So with PayPal account, I can shop almost everywhere online right? So when I shop online using PayPal say to buy a shoe for USD50, I will key in my PayPal details. Then do I need USD50 dollar in my account? Or PayPal will directly get money from my PB Debit Card? And if I dont have enough money in PB Debit Card, will they block the transaction right away? I mean how can they check so fast? Thanks in advance for the reply.
February 7th, 2006 at 4:06 pm
@haniff: if you do not have enough paypal fund, the rest will be deducted from your debit card. If your debit card does not has enough money, the transaction will fail.
It is fast because everything is digital.
February 7th, 2006 at 4:51 pm
can paypal deduct the amount from PB card? i thought we have to transfer the money to our paypal first…
February 7th, 2006 at 4:56 pm
@reynna: i talk on my personal experience. PayPal did deducting money from my PB card when my PayPal account does not has enough fund.
February 7th, 2006 at 8:07 pm
thanks for the fast reply.
this comment page is becoming like a useful forum for all who’s applying for PB Debit Card.
I’m applying mine online and will post the form tomorrow. How long will it take? Did you apply online too?
February 7th, 2006 at 9:22 pm
it took a month plus to process my application. I did not apply online.
February 7th, 2006 at 10:59 pm
any body know a way to withdraw fund from paypal
February 7th, 2006 at 11:48 pm
i posted “Withdraw money from Paypal, Malaysia” on my blog. Maybe it may be useful? It’s actually through third party, Asianpay.
February 9th, 2006 at 11:22 pm
hi to all,
if anybody know that a debit card with visa logo and chip as will plz let me know?
February 14th, 2006 at 4:22 pm
Liew, it shoudl be ” I do not shop” .
February 14th, 2006 at 4:53 pm
thank you for the correction, Lai
February 17th, 2006 at 5:58 pm
i’ve just fund my card with RM35, is that enough for verifying my paypal later?
February 19th, 2006 at 1:56 pm
how to fund paypal account using public bank debit card..is that possible?
February 21st, 2006 at 12:18 pm
@reynna: keep the minimum credit + USD2 in MYR in your debit card.
@anonymouse: no, we can’t fund paypal account using public bank debit card. But, if our paypal fund is not enough, paypal will deduct the balance from debit card.
February 21st, 2006 at 10:30 pm
wow, i’ve got the card last week! logged on paypal.. and evrything was goes smooth! now i just hv to wait for the verification number on the bills..
questions, if i funded in the card in afternoon with cash, can i use the fund in paypal immediately? can we accept paypal funds from another paypal user? is there any limit on this?
i think we must leave RM 25 minimum in the account..? i funded in RM 50 for the 1st time and the expand use program on paypal went thru smoothly.
PS: i did applied thru online, the procedure was very fast. after i registered online, then i sent the signature and photocopies of ic to the PB card department. after 1 week, they sent me a letter ask me to fund the card. after fund in the card with RM 50, the card was received by POS LAJU few days later! because i was quite busy and fund in the card after 2 weeks of letter received, so the whole procedure tooks almost 1 month!
all the best to u all
February 21st, 2006 at 10:41 pm
@icycokes: glad that you received your debit card. Yes, you can receive paypal fund from other paypal members.
February 25th, 2006 at 9:17 pm
i’ve just received the 1st bill of this pbbank debit card. it has encouraged me to go register pbebank online finance at the atm.
can u ppl register ur card to online finance? i can’t, when i go to the atm, no “other services” r not available.. how should i do to register my online finance?
thx.
March 6th, 2006 at 11:35 am
hi everyone,
i sent my application 4 months ago and still have no answer from public bank. I sent through mail and sign up online. But you know what? Now I know why they haven’t process my application. I forgot to send the payment. Goshhh..it’s been 4 months and I didn’t realize it. Now I have to apply again and wait for months. So just wanna ask you guys, the RM 25.00 that you sent to them, is it like money order purchase from pos office or what? By the way, how to reload this card if doesn’t have PB account?
March 6th, 2006 at 6:56 pm
u need to get the letter from PB first, before reloading the money.. they’ll give an account number for u to deposit the money. The payment can be made at any PB branch.
March 6th, 2006 at 6:57 pm
@Priscilla: the RM25 is the minimum you must have in the debit card. I suggest you send more money so that u can buy some stuff immediately after received the card.
You can reload the card at Public Bank ATM (cash debit).
March 6th, 2006 at 9:47 pm
Thanks for the advise guys. Well actually i already registered through online and print the form. So, all I have to do is just sent the form first and wait for their letter? or do i have to include the RM 25.00 with the form together and mail to them? I already did the first one ( sent the form by mail to them 4 months ago) but until now i haven’t received any feedback. So what should I do?
March 6th, 2006 at 10:22 pm
@Priscilla: I would suggest you walk in PB branch, and fill in the form again. You don’t need to include RM25 until you have been asked so.
March 6th, 2006 at 10:22 pm
i suggest u register again from the website. coz recently, the online registration get a feedback the soonest in a week. u may try ur luck again!
March 6th, 2006 at 10:27 pm
btw liew, what do u mean, by atm cash debit? if we don’t have any account with PB, can we use that facilities?
March 6th, 2006 at 10:43 pm
@reynna: I am not confirm but debit card itself is an account. atm cash debit should work.
March 6th, 2006 at 11:50 pm
how does the cash debit works? do u mean atm cash deposit machine?
March 7th, 2006 at 12:22 am
yes, atm cash deposit machine.
March 7th, 2006 at 8:39 am
Well..thank you for the advise guys. I think I better go to the branch PB and send the form to them eventhough i’m going to be stuck inside with lots of people :(. Wish me luck. Thanks a million.
March 7th, 2006 at 10:23 am
@Priscilla: You don’t need to Q. Go straight to the customer service counter.
March 7th, 2006 at 1:35 pm
I went to PB just now…and you know what….my 4 months ago application was approved. I didn’t received any letter from PB cause maybe the postman didn’t do his job.. X-( So the PB officer ask me to bank in some amount on the card and within a week i’ll receive the card. I was so relief. If not because of your advise LcF, I would not know that my application have been process. I just can’t wait for it. Thanks a lot.
March 7th, 2006 at 2:41 pm
@Priscilla: glad to know that your PB debit card is approved.
March 14th, 2006 at 11:42 am
Is it possible to transfer money from maybank2u to PB Visa Electron Account?
Thanks in advance.
April 6th, 2006 at 12:09 pm
Ok this is the list of Visa Debit available in Msia,
-PB
-BSN
-Standard Chartered
-Allianz
I am waiting for PB debit card now.
Dont apply for BSN visa debit card, I have tried it, and it dont works on any online transaction.
Did anyone of you try the other 2 debit card? heard that SC card is not working with Paypal as well.
April 7th, 2006 at 5:48 pm
hey guys, can someone verify to me. just now i call pb service card centre, and ask whether we can fund our card via online banking i.e maybank2u. he said CAN! but he sounds not so sure. is there anyone who sucessfully fund the card via maybank2u or other online bank service? pls let me know ok.
btw liew, can u list down, the website that u personally experience buy online using your pb card? is all website that display VISA logo will accept pb card? thanks!!
April 7th, 2006 at 5:52 pm
omg, i didn’t realize that u already post about maybank2u thingy at another topic. wahh it’s really convinient!
April 9th, 2006 at 10:25 am
Transfer fund from Maybank2U to Public Bank Debit Card (Ask LcF)
April 10th, 2006 at 3:00 pm
I cant buy Skype credit, or fund moneybooker via PB debit card.. why ahh???
April 27th, 2006 at 9:04 pm
Can debit card used for egold processor ? Transfer from egold account?
April 27th, 2006 at 11:34 pm
Sorry, I never try e-Gold before.
April 29th, 2006 at 12:36 pm
I hav a public bank debit card, but when i register in paypal, there are “Enroll in PayPal’s Expanded Use Program” message. What is this mean for? Another message is “We were unable to verify this credit card. Please check if the information you entered is correct. If the problem persists, please try to enter a different credit card.”
July 5th, 2006 at 9:31 pm
thank….
July 18th, 2006 at 3:13 am
Liew,
do u think i can use this debit card to booking Airasia online?
Thanks.
July 18th, 2006 at 6:54 pm
@stepweb: I never book AirAsia ticket before… I wrote an email to AirAsia, waiting for their reply.
September 1st, 2006 at 12:04 pm
Hi, everybody
For those Public Bank VIsa Electron cardholder ang those interested in applying one,
Actually Malaysia is always walking ‘reverse’, other developed countries are promoting ‘buy now pay now’, but malaysia is going towards credit line “buy now pay later”.
Although a number of banks do provide Visa Electron, but most (or every except Public Bank) are providing Visa Electron as aby-product(a convenience for their deposit account holder as an global welcomed ATM card). Unlike Public Bank’s Visa Electron is a pure debit card product with cash rebate( simlar advantage to their credit card holder).
Actually Visa Electron is a widely accepted card whenever Visa is acceptable. However, Public Bank has yet to upgrade their Visa Electron to chip-based card , that’s why most of the merchant refuse to accept( although their terminals are actually compatible, and also due to their little knowledge about debit card). Actually this card is global welcomed but limited usage in Mlaysia only. Like singapore, i went there to spend, no problem, they has yet to upgrade their cards to smart chip card. Malaysia has to, due to the credit card fraud in Malaysia. All fraud card are gold or platinum, where got debit card with spends limit? The merchants are brainless therefore refuse to accept Visa Electron. Maybe some of the credit card issuers like MBF cards Sdn Bhd, I think they have prevent any usage via swipe through their credit card terminal, therfore PB Visa Electron with magnectic stripe are not accepted.
Therefore, I urge everyone to send your complaints/feedback via
“Contact Us” at http://www.publicbank.com.my. I have been sending my feedback oftenly since last year but they claim that the management yet to finalise the convertion to chip card. I hope by the meant of larga amount of feedback of Consumers, they will speed up their process to upgrade the card.
Please! Please contribute by ‘forcing’ the management to upgrade the card for our convenience! Else, we will keep feeling ashame having rejected by the cashier!!!
Upgrade to chip card!!!
Please!!!
September 12th, 2006 at 1:24 pm
Hi Liew, Can I fund my PB bank debit card via paypal and withdraw it in malaysia ahh??? if can, how long does it takes ahh?
September 12th, 2006 at 3:21 pm
@Tome: No, you can’t fund PB bank debit card via PayPal. We need a U.S debit card to withdraw PayPal funds in Malaysia. The good news is, a free ebook is available for Malaysians.
FREE Download PayPal in Malaysia
September 21st, 2006 at 12:29 pm
Dear Liew …
i read your articles here ( but never read all lar ) … recently i have been surfing the net for debit cards and i only found out recently ( literally very recently ) from a friend of mine that Klang valleys 711 actually sold the debit card for RM25 ( thank god for that, if not, i would have bought the USD 399 debit card somewhere somehow ) …. i am still in doubt though, and do you mind clearing me ??
1 ) Debit card is a good business for both bankers and consumers ( as no credit checks and its widely accepted ) and our little neighbours bank, Singapore, even give out debit cards for account holders … But why Malaysian banks are so different ? how come they dont advertise it so openly although it encourages consumers to sign up ? anything “fishy” there ?
2) both anual fee and usage charges aside, betweern NexG mastercard and PB Visa Electron, which one is better and widely recognise ?
3) celaka lar, how come klang valley 711 got sell but ipoh and other states 711 not selling ~!? damn shitty lar
September 21st, 2006 at 12:48 pm
@Ryan Law:
1) No idea. I don’t work for bank.
2) NexG is new in 2006. PB Visa Electron debit card has been around for a few years. Since I do not own a NexG card, I can’t compare them.
3) Ya, I am waiting in Johor too.
September 27th, 2006 at 1:49 am
mind telling me how to sign up for the PB visa electron ?
what type of account should i be opening if i wanted to have a Pb visa electro and the cost associated by opening the account ,,,
help …. anyone ??
tq
ryan_law15
September 27th, 2006 at 2:10 am
@ryan_law: you can apply online or get the form in any PB branch. Read PB debit card document for more information.
September 27th, 2006 at 3:04 am
Refer to Ryan Law replied on September 21st, 2006 at 12:29 pm…
What is meaning of 711 ? I cant catch his meaning.
LcF, do u understand it?
Thanks.
September 27th, 2006 at 3:16 am
@mL: no idea, it guess it is the name of a place
September 27th, 2006 at 10:42 pm
7-eleven …. 24 hours convenient shopping …. got it ?
klang valley 7-eleven meaning 7-eleven outlets in the klang valley only, no where else ….
wanna know where klang valley is ?
September 28th, 2006 at 11:34 am
okok… Got it Got it… I tot brand new debit card… haha.
November 1st, 2006 at 8:49 pm
for information, i own a nexg card.
the nexg is Prepaid Master CREDIT CARD and NOT DEBIT CARD.
differences from pb db card are
1. world-wide acceptance
2. is credit card
November 4th, 2006 at 11:56 pm
hi..i’m new in online payment processor…i just want to ask which is better to pick either pbvisa electron or Ambank nexg?…and which one give more benefit too build a business online?…thanks…please help me..
November 6th, 2006 at 10:41 pm
@park: meither PB visa electron nor Ambank NexG help you build an online business. They only help you to SPEND MONEY online.
November 14th, 2006 at 1:14 am
Hi,
Just a quick questions.
In your past post, you said that “no, we can’t fund paypal account using public bank debit card” but “Yes, you can receive paypal fund from other paypal members”
Can you please explain? Thank you.
November 14th, 2006 at 9:59 am
@Shizuru: I don’t quite sure what do you need me to explain.
While we cannot fund our PayPal account with public bank debit card, we can use paypal account to do purchasing and it will credit our debit card.
PayPal member can send PayPal funds to anyone with or without a PayPal account (as long as he/she has an email address).
November 15th, 2006 at 12:42 am
Yeah, I finally get it.
After reading more of your other articles.
Meaning that we cant have the money in our hand. As in cash but can still use the money in our PayPal account to buy things from the net.
Thanks.
Your blog is really helpful. Thumbs up ^^
November 15th, 2006 at 11:01 am
To Terrence :-
I’m so interested to use the nex g..could u give sum advice please?
Actually i’m kind of credit card phobic coz i saw a lot of ppl bankcrupt coz of the credit card.so i tot this nex g is safer but after i read u wrote that nex g is prepaid master credit card not a debt card so i’m scared to try.
please advice…
November 26th, 2006 at 5:26 pm
plz if anyone can tell me whether pb electronic visa debit card has cvv or not?
now im applying from pb,they told me that i must wait for about 2 weeks,the first week,i will receive a letter including the card no.,i must deposit some money inside then go to pb to collect the card.
plz tell me that is this all true or it will take longer,and the letter will also contain the cvv or security code of my card or not.
thank you very much!!!!!!!!!!!!!!!!!!!!!!!!
November 26th, 2006 at 5:33 pm
@Erma: NexG is PREPAID, so you won’t bankrupt by using it.
@ibo: Yes, PB debit card has CVV. Yes, it is truth that you need to deposit some money before collect the card. The letter will not contain the CVV number of your debit card.
December 2nd, 2006 at 2:27 pm
where i can fined the VISA ELECTRON ATM mashine in Langkawi???Do you have it here??
December 7th, 2006 at 1:33 pm
sorry liew… wanna ask some quiry. PB visa debit card, it’s sold at local bank or apply online!? like AmBank NexG Mastercard stater pack!?
December 7th, 2006 at 5:53 pm
@ana: I have no idea. I am not in Langakawi.
@megat: You can apply PB debit card online or via PB branch. PB debit card is not sell as a pack like AmBank NexG
December 14th, 2006 at 12:30 am
[...] As requested by many readers, here, I will show you how to transfer funds (top up) to a Public Bank Visa Electron Debit Card(PB debit card) from a Maybank2u e-banking account. [...]
December 18th, 2006 at 10:35 am
I’ve something to ask…
since my brother have public bank account and debit card, can i use his debit card to validate paypal?
visit my blog:
http://tweak-everything.blogspot.com
December 18th, 2006 at 4:08 pm
@cybersix: you will get into trouble when paypal wants to verify your status.
December 27th, 2006 at 11:42 am
I m interested use Debit Card to make money online…
If who got this experience can tell me how?
January 1st, 2007 at 1:28 am
Then can I pay by cash upon registeration?
January 1st, 2007 at 3:20 am
@andrew: I don’t understand your question
January 1st, 2007 at 4:34 am
Can I immediately pay the RM35 by cash without going through the hassle of paying via cheque on the day I submit my registration form itself?
January 1st, 2007 at 6:37 am
@andrew: if i am correct, you can pay at Public Bank branch or direct bank fund transfer. Please confirm it at your nearest PB branch.
January 2nd, 2007 at 7:56 pm
What about the annual fees? When do I need to pay the annual fees? After one year using the debit card or on the day I get the card ?
January 2nd, 2007 at 10:35 pm
I mean when did you pay your annual fees, is it after a year you got your PB debit card or did you pay the annual fees together with the RM 35 before u receive your debit card?
January 2nd, 2007 at 11:19 pm
@andrew: a year after you got your PB debit card
January 3rd, 2007 at 6:33 pm
I’m confused with payment method.
I went to PB to apply the DB card already and they directed me to make a RM25 payable cheque from the bank counter. After waited for several minutes, the banker producde a check and gave it to me. So what am I suppose to do with cheque? Do I need to submit the cheque to the customer service officer who deals with DB card my application or deposit it to a cheque deposit machine?
January 3rd, 2007 at 6:55 pm
@andrew: why didn’t you ask the customer service officer? I did not use any cheque when I apply my PB debit card.
January 3rd, 2007 at 9:52 pm
The officer was not on his desk and I had some important stuff to do so I had to leave earlier. If you did not use any cheque, then how did u pay the RM 25?
January 8th, 2007 at 1:09 pm
hello..i just wanna ask about my Public Bank Debit card:-
1 - how long it takes if i made Giro Transfer from maybank2u into my Debit Card acount?
2 - i didnt receive any pin number yet… is Public Bank will sent it to my house and how long i need to wait…
3 - how to check my balance?..
January 8th, 2007 at 1:26 pm
@goldendream: 1. 1 to 2 days
2. public bank will send to you after you debit money into the debit card account. It is express mail.
3. from ATM or pbebank.com.my
January 17th, 2007 at 3:20 am
I think I should receive my public bank debit card by this week or next week. Upon keying in the particulars of our debit card, there is a 3 digit verified number we need to key in, right? I heard we can only get the 3 numbers after receiving a debit card bill statement from Public Bank every end of the each month.My questions are, is there any numbers imprinted at the back of the PB debit card we need to key or is the verified numbers found only in the bill statement are two separate numbers we need to key in later? Another question is, let’s say if I receive my debit card on the 18th of January, will I receive my bill statement by 31st of January or on the 18th of February? Do we have to wait exactly for 30 days after receiving the card to accept the bill statement or just the end of the each month? So after keying in my PB debit card particulars but before verifying the extra 3 numbers that will be imprinted in my bill statement, will my card be considered “added” into my paypal account? Sorry if there are so much questions, but I think since you have some experience dealing with the Public Bank debit card and its bill statement so you might be one of the appropriate person to ask
January 17th, 2007 at 8:57 am
@Jon: 1. yes, there is a 3 digit secure number at the back of PB debit card, just like any other credit card.
2. You will receive bill statement after the end of the month, same as credit card bill statement.
3. Keying in PB debit card particulars means you “added” it into your PayPal account. But you haven’t “Verify” the debit card before you key in the 3 digit verify number. Your PayPal account will be verified AFTER you keyed in the 3 digit number.
January 17th, 2007 at 1:56 pm
thanks liewcf. That’s because Paypal wants me to add credit card before receiving my payment from other people. So I was wondering whether I can just add the credit card and receive payment while verified my account at the end of the month.
Anyway, when I was keying in the debit card card particulars there is a section that ask us to choose the card type. There are Visa, Mastercard, Discover and American Express. Which one should I choose for my public bank debit card?
January 17th, 2007 at 3:36 pm
@jon: since it is Visa Debit Card, choose “Visa” when asked.
January 17th, 2007 at 4:07 pm
what is the expiration date? Will it be stated in our debit card? Sorry for all these questions because i never used credit card/debit card before.
January 17th, 2007 at 4:24 pm
the expired date will be printed on the card. the debit card account will be renewed every year.
January 24th, 2007 at 7:34 pm
I want to ask you about the PIN code of the card
when you received it because I got the card but they didn’t send me the
PIN code so I cant use the ATM machine.
and thank you for the information that you are producing.
January 24th, 2007 at 10:52 pm
@ahmed: I am not sure, please proceed to nearest Public Bank branch for assistant.
January 26th, 2007 at 4:52 pm
When Paypal says my card has been denied by bank that issue this card, it normally means card problem right?
January 26th, 2007 at 5:28 pm
@jon: has your card activated?
January 26th, 2007 at 6:02 pm
how do I know the card is activated ornot?
January 26th, 2007 at 11:03 pm
how do I know the card is activated? Can we check online?
January 27th, 2007 at 2:40 am
You can check your PB debit card balance at Public Bank ATM. If succeed, your card has been activated.
January 27th, 2007 at 4:02 am
I just called the customer service center and they told me the cheque I had bank into debit card has not been cleared.
January 27th, 2007 at 1:24 pm
Hi,
I’ve just applied online about a week and half ago, and I’ve posted the copy of my IC and the application form on the 19th January. But I’m staying in a hostel/dorm now, but is it OK if I wrote my permanently home address in the form? So the letter will go to my home right?
Other than that, is there any way other than cheque or go to PB branch to pay the RM25 money? Maybe like e-banking? Since my schedule is very tight and I couldn’t go out too often.. So I really need to depends on the internet..
Thanks for reading.