Maybank Launches New MAE By Maybank2u App, Offers New Features For Better Financial Management

Maybank has launched the MAE by Maybank2U app, an all-new app that aims to help Malaysians take charge of their everyday money matters beyond regular banking needs and to provide a fresh, next-generation experience. It brings together the many digital banking functions offered by Maybank under one app – mobile banking, QR Payments, and the MAE e-wallet – and is also equipped with several other new features for better financial management.

New home screen and user interface

First and foremost, the new MAE app is a separate app from the existing Maybank2u app, and it is
not
 the MAE e-wallet that lives within the Maybank2u app. Instead, Maybank has positioned the new app as “a pocketable digital bank but with many cool features”.

The MAE app is designed to contain your digital wallet and will also serve your daily financial needs, such as paying bills, conducting money transfers, splitting bills, and making reloads. It also has the Scan & Pay function, which lets you carry out QR payments at 450,000 merchants nationwide. All your existing Maybank2u functions, meanwhile, will be tucked away at the bottom of your dashboard – allowing for easy accessibility but also safely compartmentalised from the non-banking functions on the platform.

Interestingly, the new app now also lets you customise the dashboard to your preferences, which means that you can move things around and add shortcuts to features that are most relevant to you. For instance, if you are a deal-seeker, you can tweak your home screen so that you see relevant promotions first. This brings a whole new level of personalisation to the MAE app.

Expenses

The new Expenses feature is a tool in the MAE app to help you track your spending, allowing you to know where your money is going. It includes all your expenses from your Maybank accounts, cards, and QR transactions. You can even include your cash expenses manually with a few taps. The Expenses tool will then sort your spending into comprehensive categories, such as Food, Utilities, and Shopping to give you insight into your spending habits.

Tabung

Maybank introduced the Tabung feature to help its customers reach their saving goals by saving more consistently and regularly. To begin, there are two types of Tabung available – individual Tabung and group Tabung – providing you with the flexibility to save towards a goal on your own, or to jointly save with family and friends towards a common goal, such as an annual vacation. In short, this feature will automatically deduct a set amount from your account for these goals on a weekly or monthly basis, depending on your preference.

Alongside the Tabung feature, there is also a complementary Booster function, which helps to accelerate your saving process by piggybacking on your expenses and spending habits. At present, there are three types of Boosters:

Spare Change
: Rounds up your expenses to the nearest amount of RM1, RM5 or RM10, and transfers the excess into your Tabung

Scan & Save
: Transfers the credit savings earned from promotions used in QR transactions into your Tabung

Guilty Pleasure
: A sort of “penalty” system that lets you set a daily spending limit for a spending category. If the limit is exceeded, an amount will be credited into your Tabung.

MAE Visa Debit Card

The new app also comes with a
new debit card
 for your day-to-day spending, and it supports Visa PayWave contactless payment. Some of its key benefits is the competitive foreign exchange rates, as well as exclusive perks that can be enjoyed both locally and abroad.

If you are travelling, the amount in your MAE wallet will also auto-convert to the currency of the country that you’re in, letting you know how much exactly is available for spending. There is also an added security feature that lets you instantly freeze or unfreeze your card via the app if you feel the need to.

Customers can apply for the MAE Visa debit card via the MAE app, and it will be delivered directly to their doorsteps within seven working days. Also, note that the MAE Visa debit card is not meant to replace your current Maybank debit card as the former is linked to your digital wallet (MAE), whereas the latter is directly linked to your savings account.

Makan Mana Wheel

This new feature is designed to appeal to the foodie in Malaysians, recommending dining deals and options to its customers when they want to spice up their dining experience. With Maybank boasting thousands of partner merchants nationwide, there’s bound to be something good for everyone.

***

The new MAE app is available for use to both Maybank and non-Maybank customers. Existing Maybank customers can get started with a simple security set-up, after which they can start using the app immediately and seamlessly. The data from all their Maybank accounts will also automatically be made available in the new app.

Meanwhile, non-Maybank customers can register for a MAE wallet via the app and complete the application through a fully online process. This comes as Maybank becomes the first Malaysian bank to use e-KYC for new account registrations. That said, there is an exception; those below the age of 18 will still need to obtain parental consent to register for the app.

Maybank has also clarified that while the
MAE by Maybank2u app
 will co-exist alongside the Maybank2u app for now, the new app will eventually take over from the latter, although no set deadline has been announced yet. For now, you can download the new MAE app from
Google Play
 or the
App Store
 to give it a try.

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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RHB Bank Introduces New Limited Edition White Visa Rewards Credit Card

RHB Bank has launched a new limited version of its RHB Rewards Credit Card featuring a white card face. Other aspects of the card remain the same, including up to 10x Loyalty Points earnings for every RM1 spent on various categories.

The RHB Limited Edition White Visa Rewards Credit Card is a stark difference to the usual RHB Rewards card face. The all-white card has a vertical design, and features a minimalist silhouette of the hibiscus flower – Malaysia’s national flower. Both the RHB and Visa logos are also printed in a similar light grey tone to match the card’s aesthetics.

Interestingly, this isn’t the first time RHB is introducing a limited edition card for the RHB Rewards. Back in  2020, the bank launched
two limited edition cards in conjunction with the 2020 Tokyo Olympics
, while in 2021 the bank also released a limited edition version of the RHB Rewards Credit Card with
a card face based on the hit Netflix series, Squid Game
.

Not to forget, RHB also has a
special edition variant of the RHB Rewards card featuring Motion Code technology
, where the card has an e-ink display at the back that generates a new three-digit CVV code every four hours – minimising the risk of unauthorised online transactions with this card.

Just like the previous limited edition releases, RHB did not reveal how long this limited edition design will be available for. Similarly, the card features are unchanged – every RM1 spent earns up to 10x RHB Loyalty Points, depending on specific spending categories such as online (3x), overseas (4x), cinema (10x) and more.

Those interested in getting this limited edition card may
pre-register for it at this page
.

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Pang Tun Yau

Pang Tun Yau

A seasoned tech journalist who now focuses on his other passion, Pang is a firm believer in old-school DCA and optimised spending.

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Govt To Publish Salary Statistics Every Yearly Quarter To Tackle Low Wage Issue

(Image: The Malaysian Reserve)

In an effort to tackle the issue of low salary payments, Economic Affairs Minister Rafizi Ramli said that the government will begin publishing salary statistics in Malaysia on a quarterly basis. The first publication is expected to be made available after Hari Raya Haji.

“We are ready for the first publication, but I need to announce it to the Cabinet this week and hope it will be implemented after Hari Raya Haji,” said Rafizi during a media conference, adding that the statistics can help create a focus on existing salary issues and serve as a good benchmark for the open work market, thereby benefitting employees in general and Malaysia’s economy.

The minister also noted that the preparation of the statistics will compel the whole country, including employers, to come to a collective decision regarding salary issues. In turn, the public can observe and evaluate the government’s focus in building a comprehensive data infrastructure to better serve the people.

(Image: NSTP)

“Otherwise we cannot make policies based on fact, as we need information and that’s what we’re working on. We’re confident that the data infrastructure will be ready, and then we’ll talk about benchmarking. That is why we are pushing for quarterly wage statistics, otherwise the policy formation can’t catch up with the salaries changing, and that is why you see the disparity going bigger,” Rafizi commented, adding that they will strive to do it on a monthly basis in the future.

In addition to announcing the publication of salary statistics, Rafizi also provided an update on the drafting of progressive salary policies. He said that the government is still holding discussions at a ministry level, and that both the Economic Affairs Ministry and the Human Resources Ministry have been charged with helping to guide the policies’ direction.

“According to the schedule, the first presentation of the progressive salary framework is in August, and within these two months, discussions and engagement sessions will happen, and we will seek views from experts and economists,” Rafizi elaborated.

(Source:
The Sun Daily
)

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Alex Cheong Pui Yin

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Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Graduate With (Dis)Honours

The Young and the Pennliess can’t apply for a Credit Card?

Students are graduating from university with huge levels of debt
. While it’s disheartening to see young Malaysians carry financial burdens we can’t help but wonder what drove them to spend more than they could afford. Peer pressure? Lifestyle changes? Pure negligence – these are among the reasons associated with this problem. Sensible management of financial tools, like credit cards and debit cards, is the answer.

However, if we look closely, it all boils down to irresponsible lending and inexperience. For many of these Malaysian graduates, the first job they held after leaving university was their first job ever. To have to manage a relatively huge amount of money (compared to their monthly allowances while studying) is something new. Without proper planning and budgeting, it’s easy to get off-track. Credit cards are not free money and they shouldn’t be treated as such. A credit card has it’s own burden of responsibility.

How to Manage a Credit Card

Above all the basic rule is fairly simple:
Don’t spend more than you earn.

Before you even think about applying for any personal loans or credit cards, you should keep track of all your debts and expenses. By doing so, it’s easier for you to manage your cash flow as you can track your spending.

If your net income is already just enough for you to get by, don’t get a personal loan or a credit card – use a debit card for convenience instead. What you need to do is to cut back on your spending on non-essential items, or try to look for ways to earn more.

If you find that your debt is piling up and getting out of control, help is near. Young Malaysians can always get in touch with
AKPK (Credit Counselling and Debt Management Agency)
. They provide free financial counselling and debt management programs.

Image:
FreedomsPhoenix

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ringgitplus

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Two-Ticket Thursdays @GSC w Hong Leong Credit Card

Have you heard? Thursday is the new Friday. Well at least according to Hong Leong Bank it is. So grab a buddy or a loved-one to your nearest GSC cinema for and get a free ticket when you purchase one with your GSC Hong Leong credit card.

This
offer
 is valid only for online purchases via
www.gsc.com.my
. Each Hong Leong cardholder is entitled to one free ticket regardless of the amount of tickets purchased.

Complimentary tickets are restricted to normal adult tickets only (35mm and digital 2D movies excluding Gold Class, Premiere Class, Twin Seats and Digital 3-D movies).

Complimentary tickets are redeemable at any GSC outlet except the following locations: GSC Terminal 1, Seremban, GSC Pelangi Leisure Mall, Johor and GSC Signature, The Gardens Mall.

There is a limited amount of complimentary tickets (1000 per week) therefore this promotion is on a first come first serve basis. Please note that a RM0.50 surcharge will be applied as booking fees for both purchased and complimentary tickets.

For further details and other fine print please refer to the
Terms & Conditions
 page.

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Brendon Lee

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StashAway Launches Two New ESG-Focused Portfolios

Robo-advisor StashAway has added two new portfolios to its existing investment offerings, namely the Responsible Investing Portfolio, as well as the Environment and Cleantech Thematic Portfolio. As the names suggest, both will allow Malaysians to generate long-term earnings by investing in companies that are geared towards social responsibility and sustainability.

Specifically, the Responsible Investing Portfolio is described as “an Environmental, Social, and Governance (ESG) adaptation of StashAway’s classic General Portfolio”; if you’re unaware, the General Portfolio is a globally diversified portfolio that invests in exchange-traded funds (ETFs) and encourages long-term investment. Accordingly, the Responsible Investing Portfolio also invests in similar instruments, except that it has heavy exposure to businesses with high ESG scores, or are concerned with positive social impact. This means that you can invest sustainably without compromising on investment returns.

Meanwhile, the Environment and Cleantech Thematic Portfolio is StashAway’s latest addition to its
Thematic Portfolio
 feature, which was launched in September last year based upon the concept of thematic investing. It originally offered three themes to choose from: Technology Enablers, The Future of Consumer Tech, and Healthcare Innovation. With this newest Thematic Portfolio, you will now be able to invest in innovations that will mitigate the impact of climate change. Key sectors that you can expect to see under the Environment and Cleantech Thematic Portfolio include:

Clean energy and water
Energy storage and smart grids
Green financing
Waste management

StashAway also reassured investors that both the new portfolios will be managed by some of the world’s top fund managers. These include iShares, Amundi, ARK Invest, Global X, and VanEck.

The co-founder and chief investment officer of StashAway, Freddy Lim said that investors these days have become more mindful about where their money is invested in, hence the move to introduce these two new portfolios. He also quoted data from Bloomberg saying that the global momentum for ESG investing has been immense, with assets slated to reach a third of global assets under management (AUM) come 2025.

“We’re introducing these two portfolios because we want clients to have the option to invest in a way that allows them to positively shape the future of our planets and society while also generating long-term returns,” said Lim.

To celebrate this launch and to encourage investors to get started, StashAway is waiving the management fees for new deposits into its Responsible Investing Portfolio, as well as Environment and Cleantech Thematic Portfolio – for up to a year. You are allowed to invest in either one portfolio or both. To tap into this benefit, you will need to make your investment before 20 February 2022.

(Sources:
StashAway
,
PR Newswire
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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FICO: Malaysians Are Growing More At Ease With Opening Bank Accounts Digitally

(Image: Amanz Media)

FICO, a global analytics software firm, has noted in a survey that Malaysians are rapidly becoming more comfortable with opening bank accounts digitally, with 78% of its participants saying that they would open some kind of financial account online.

The Consumer Digital Banking Survey found that out of these participants, 65% of them would consider doing so for an everyday transaction account, whereas 45% and 28% would apply online for a credit card and personal loan, respectively.

Interestingly, FICO’s survey also revealed that Malaysian consumers are more comfortable opening bank accounts on their smartphones than those in the US and Canada. It was noted that 23% of Malaysians prefer opening a bank account on their phones, whereas only 18% in the US and 16% in Canada are comfortable doing so.

FICO’s lead for fraud, security, and compliance in Asia Pacific, Subhashish Bose, commented that it is not surprising that Malaysians are digital natives. “It is demographically a young country, with 80% of the population under the age of 50,” he said.

(Image: The Malaysian Reserve)

Bose’s observation is reflected in the survey numbers, with 76% of those between 25 to 34 years of age stating that they would open a bank account online. Conversely, only 49% of those who are 45 to 55 years of age said that they would do so. However, in a surprising turn of events, as many as 61% of those aged over 55 are also willing to open bank accounts online.

“Malaysian households are often multi-generational. So, this finding might be explained by younger generations helping their grandparents with their banking, especially if they are less mobile and can’t get to a branch,” explained Bose.

Additionally, FICO’s survey found that a large percentage of the Malaysian participants expect the process of opening bank accounts to be fully digital. In other words, they should be able to complete the full process of registration online or on their phones, including regular identity verifications. 78% of the participants believe that they should be able to prove their identity by providing scanned documents or selfies, whereas 46% expected to prove their address without moving offline. Yet another 40% opined that they should be able to use biometric measures when opening bank accounts online.

(Image: Vulcan Post)

Moreover, only 45% of the Malaysian participants said that they will carry out the necessary offline steps at the soonest if the full process of account opening cannot be completed in-session. 23%, in contrast, said they would abandon the process.

FICO’s survey further noted that without a fully digital account opening process, financial institutions could potentially stand to lose over 40% of their new businesses. “There is research to show that only 6 to 9% of applicants move through the funnel and complete the process,” said Bose.

Bose also attributed Malaysians’ ease with online banking facilities to the government. “The Malaysian government is actively encouraging development and investment in the digital economy, which makes up about a fifth of the country’s GDP. These factors have promoted a digital-first consumer base,” he commented.

FICO’s Consumer Digital Banking Survey
 involved 5,000 participants across 10 countries. Separately, KPMG has also carried out a survey that concurred with FICO’s findings. In
KPMG’s survey
, 77% of its respondents believe that digital banking is the next evolution in financial services.

(Source:
The Edge Markets
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Sarawak Pay Will Be Rebranded As S-Pay, Partners With UnionPay International

(Image: Borneo Post Online)

Sarawak Pay, the state’s mobile payment platform, will be rebranded as S-Pay, Sarawak’s Chief Minister Datuk Patinggi Abang Johari Tun Openg has announced. This move is in line with its expansion for global acceptance in November.

Thanks to the partnership between Sarawak Pay and China-owned UnionPay, which is the world’s largest card issuer, users can pay using the app wherever UnionPay is accepted, thanks to the
UnionPay QR Payment feature
.

“Starting next month, S-Pay can be used anywhere – as long as they accept UnionPay, they will accept Sarawak Pay,” said Abang Johari. “We want our mobile payment to be global in nature, that’s not just confined to Sarawak only,” he added. Interestingly, Sarawak Pay can already be used in Singapore where UnionPay QR Payment is accepted.

Like all other e-wallets, the app enables users to scan and pay via QR codes, transfer funds, and complete top-up transactions via online banking and bank cards. In addition, Sarawak Pay also facilitates bill subscriptions and payments.

Launched in November 2017, Sarawak Pay was implemented as part of the state government’s effort to digitise its economy and encourage residents to adopt cashless payments.

Currently, Sarawak Pay currently boasts more than 100,000 users state-wide.

(Source:
FMT
,
Dayak Daily
)

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Christine Tay

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Be a Runway Ready Mum with UOB Debit and Credit Cards and Mothers En Vogue

For the fashionista mother, UOB has devised a deal to appeal to your discerning tastes.

Together with Mothers En Vogue, they’re offering a 10% discount for purchases of RM300 and above when you pay with your UOB Debit or Credit Card.

A new arrival at Mother’s En Vogue’s Nursing Collection taken from their official
Facebook page
.

Offer is valid from 1 November 2012 to 31 December 2013.
Terms and Conditions
 apply.

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BigPay Warns Of New Scam Tactics, Says No Red Or Premium Cards Are Being Offered

BigPay has alerted its customers of two new methods that are being used by scammers to trick them into disclosing their one-time passwords (OTPs), consequently allowing these parties to make off with their money.

According to BigPay, scammers are now attempting to deceive customers by telling them that BigPay is
changing its card from blue to red
, or
offering a premium BigPay card
. As such, customers are being convinced to provide their personal details and OTP for “verification purposes”. The OTP is a widely used security feature utilised by banks and payment service providers to confirm your identity as an account owner.

“We would like to clarify that these are absolutely not true – the BigPay card remains solely the same striking blue, and there are no existing premium BigPay cards available to anyone,” BigPay said in its email alert sent to its customers.

These two schemes are the latest additions to a growing list of ongoing BigPay scams, which include luring customers in via promises of
cashbacks, lucky prizes, or rewards
. BigPay went on to remind its customers to always be alert and stay vigilant of any questionable or too-good-to-be-true messages.

On top of that, BigPay also linked the email notice to its blog post on
BigPay’s security best practices
, clarifying that “no BigPay employee will ever ask for your OTP or PIN, under any circumstances.” The post further explained some of the built-in security features that BigPay employs to keep its customers’ money safe, such as multiple authentication levels and the ability to freeze your BigPay card when you come across suspicious transactions.

Ultimately, take care to always stay informed so that you do not become a victim to any scams, including
TAC scams
 and
scams targeting the elderly
!

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Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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    Anonymous

    2 years ago

+60 11-3669 2589

Same as me this number try to change my card from visa to MasterCard. They also want OTP but I dont give them I just lied to them that my number was inactive so be carefully guys. Don’t share!!!!! Your information is important….

0

Reply

    Anonymous

    2 years ago

Big pay no safety use… So easy scam can get customers details?

0

Reply

    Anonymous

    2 years ago

I have also got a call today 6.9.2021 from +60 17-239 6915. Telling me the same story, asking for OTP code, wants to verify postcode etc.

0

Reply

    Monica

    1 year ago

I have just received a watsapp call today 8.9.2021 telling me that BigPay is changing the card and will send me a new card after confirming some details with me. The operator sounded in Indonesian dialect. He asked me to get myself available for the card delivery and verify postcode. I stopped at the postcode as I sense that this could be a scam.

Really hope BigPay can send scam alert notice to all the users soon.

0

Reply

    Anonymous

    1 year ago

    Reply to

        Monica

well i had went through the same as you and unfortunately, I know less and being trapped into their scam…planning to get police report tomorrow

0

Reply

    Anonymous

    1 year ago

    Reply to

        Anonymous

Same with me. Already make a police report

0

Reply

    Josephine

    1 year ago

    Reply to

        Monica

Same, sounded Indonesian slang.

1

Reply

    Eric

    1 year ago

I understand that once the OTP is revealed, the money will be gone. But, before all these could happen, does that mean that the fraudster is able to get hold of my card number, TRANSACT on my behalf (because OTP sent to me), and even called me hoping that I will reveal the OTP? How do they even know what number is tied to my card? Is it that easy to SCAM BigPay cards? I don’t experience all these vulnerabilities with my other credit cards EXCEPT BigPay. What other issuers are doing differently that BigPay is not? Also, this year
…
Read more »

1

Reply

    Anonymous

    1 year ago

i reveived similar call on 9/9/2021, 3:18pm, from this number 01139352378.

0

Reply

    Anonymous

    1 year ago

    Reply to

        Anonymous

I got from the number 0172308768

0

Reply

    man

    1 year ago

    Reply to

        Anonymous

just got from number 017-6627590, i disconnect dat conversation…

indian guys, can’t speak bahasa very well, the best part is calling using whatsapp call..

0

Reply

    Anonymous

    1 year ago

    Reply to

        Anonymous

got this same call from +60109266834. Said not interested and the call

0

Reply

    Josephine

    1 year ago

Why after apply bigpay then these scammer will call? Is bigpay sharing customers info to anyone else? Is bigpay selling their data to third party? My 2 sisters & nephew applied bigpay at the same time, and less than a month, they all received same type of call, asking whether to upgrade to red color type, then ask for tac code.

Scammer ask whether to upgrade red card, then ask to confirm postcode, then ask to verify handphone number, then ask for tac code.

0

Reply

    Anonymous

    1 year ago

This is exactly happened to me just few minutes ago..the guy keeping whatsapp call to request my last IC number digit…hope BigPay increase their security system

0

Reply

    Nikson Cheah Theam Soon

    1 year ago

Just received a Whatapp call.. Sound Indonesia guy asking for my OTP for my big pay.. And also say that the big pay changing from Blue to red new card.. Also asking for my May bank card number.. How did he know All my information even how much I online from Maybank to big pay… I think he must be working or was working for big pay before. Or all these leak info from big pay company… I give him the OTP so I guess the balance of RM 10 in my account is gone.. And he keep on asking
…
Read more »

0

Reply

    MARS

    1 year ago

+6011-24218614  27/09/2021  打来说问我有没有收到新的红卡， 我跟他说你以为我是笨的吗？那么多人上当了还用这招，过后他就直接挂了。而且还用whatapp 打来。 几个月前我老婆也是收到这样的电话，也是说换新红卡给她，说旧卡过期，然后我老婆就不小给他otp 过后我发现不对，就叫老婆马上挂了，去看bigpay的卡有没有过期，看了后没过期，我马上把老婆卡里的钱转走。辛亏够快，他们用来绑定google账户来付google的费用，过后收到很多在印尼绑定google账户的付款失败信息。。过后在冻结卡，在补新卡。。大家要小心。。有时真的很难预料他们还有那一招。

0

Reply

    Anonymous

    1 year ago

+60 11-1423-1040 this is also a number that the scammer use. Be careful and do not give your OTP or postcode

0

Reply

    ridhwan

    1 year ago

seriously bigpay really got problem,if u have friends or family using it,ask them to stop,to avoid many problem later

0

Reply

    ridhwan

    1 year ago

i received a call from this number 01114232281, unfortunately i give him my otp,only sense something wrong later,i cannot open my big pay app,email them have to wait long time,chat with them also have to wait long time.imagine all the hassle u need to go through…not worth it.

0

Reply

    Anonymous

    1 year ago

I got scammed wat should i do now?

0

Reply

    Shahrul

    1 year ago

I just got scammed today by these bunch.RM300 they took from me.Got a whatsapp call telling me to change my card from blue to red.I dont know why i stupidly give them my bank acc.Im so scared.Will changing my bank password will prevent them from entering my bank acc ?

0

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« Previous

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Want To Get More Out Of Your Savings? Grow Your Money With These Maybank Accounts

Consumers are spoiled for choice when it comes to financial products nowadays. From expense tracking apps to automated investment services, there are many ways to manage and grow your money. Shouldn’t it be the same when it comes to bank accounts?

According to Maybank, 41% of their customers hold a generic savings account. However, there are other types of accounts designed for saving and investing that come with more benefits. Depending on where you are financially, it’s important to choose a bank account based on your goals.

You may consider the following accounts that reward you with higher interest/profit, diversify your investments, and streamline your finances. All of these accounts can be easily opened online via Maybank2u.com.my from within the safe comforts of your home.

Read on to find out how these accounts can benefit you.

Save And Earn Interest/Profit

Many people first open a regular savings account to keep their money safe and secure. Most are unaware that there are other options available that do more than just hold their savings and have cash withdrawal services. Some savings accounts reward you with higher interest/profit rates like
Maybank2u Savers/-i
, where you can enjoy a multi-tiered attractive returns, which means that the more you save, the higher the interest/profit rates that you’ll get.

You’ve probably noticed that most savings accounts however, do impose a limit on your daily withdrawal amounts. If you tend to make larger transactions on a daily basis for your business or issue cheques frequently, you might want to consider a current account like
M2U.Premier
, which lets you make payments and withdraw money without limit. In addition, you can also access overdraft services, Interbank GIRO services, and more.

The table below outlines the features of the Maybank2u Savers/-i and M2U.Premier accounts compared to the Basic Savings account.

        2.
Grow Your Wealth

With the continual increase of living expenses, it’s good to look for ways to safeguard our financial future. According to projections by Bank Negara Malaysia, the average inflation rate hovers
between 2.2% and 3.2%
 for 2022.

If you’re thinking of investing to potentially earn returns and hedge against inflation, you can consider opening an investment account with Maybank. Both the
Maybank Islamic Gold Account-i
 and
Maybank Islamic Zest–i Account
 let you invest with minimal requirements. While these accounts are Shariah-compliant, they are also available to non-Muslims. For those looking to diversify their investments, open a
unit trust account
 to access funds managed by professional fund managers.

         3.
Manage Your Business

Starting a business can get overwhelming and you will need all the support you can get. Having a solid banking partner will help smoothen your everyday business banking processes. On top of that, you will also be able to access business solutions and other exclusive benefits that will help your business thrive.

If you’ve just started your business and want to open a business account easily, consider Maybank’s
SME First
Account-i
 with a deposit of only RM1,000. Meanwhile, the
SME First Investment Account-i

 lets you manage your account and perform transactions on-the-go via the
Maybank2u Biz
 online banking platform. Conveniently create and send invoices as well as check your recent transactions with just a few clicks from anywhere, anytime.

 ***

A regular savings account might be great for kickstarting your financial journey but now that you’ve learned more about other types of accounts, you may consider them if you’re looking to maximise your money with better interest/profit and benefits. Maybank customers can apply easily online via
www.maybank2u.com.my
.

To learn more about the Maybank accounts, click
here
.

All Maybank products mentioned above are subject to terms & conditions.

Interest/profit rates quoted are accurate at the time of writing. All rates are subject to change without prior notice. Kindly refer to the Maybank2u website or contact the nearest Maybank branch for the latest rates.

Maybank and Maybank Islamic are members of PIDM. Protection by PIDM is subject to insurability criteria. Please refer to the list of insured deposits displayed at
http://www.maybank2u.com.my
 for further details.The contents of this article do not constitute financial advice. Readers should conduct their own research before making a financial decision
.

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Win An iPad Pro This Week And Other Guaranteed Gifts!

The Unbox This Week credit card campaign is back with attractive gift options from five participating banks!

For those who are new to this campaign, Unbox This Week is a weekly event where we present to you fantastic weekly flash deals from our featured bank partners. All you need to do is apply for selected credit cards from these banks of the week through RinggitPlus and you’ll take home some great prizes.

For this week (14 – 21 March), our featured bank partners are

Citibank, HSBC Bank, Standard Chartered Bank, Alliance Bank, and AmBank
. So, if you’ve considered applying for a credit card with any of these banks, you know what to do to get more out of your application!

Citibank – Apple iPad Pro

Have you been longing to get your hands on the iPad Pro? Grab your chance now to win one out of 10 units of iPad Pro when you apply for a Citibank Credit Card!

The iPad Pro, dubbed the “ultimate iPad experience” by Apple, offers up to 50% faster performance and graphics than previous models, allowing you to work on projects or play games without interruptions. Watching your favourite films and shows has never been so immersive with the iPad Pro that also comes equipped with Liquid Retina XDR display.

For those who are not selected to win the iPad Pro, you will still walk away with a guaranteed RM600 Shopee e-voucher to shop your blues away.

Remember to activate and spend a minimum of eight retail transactions on your new card within 60 days upon gaining approval. Once the bank has confirmed your eligibility with us, you’ll receive instructions from us via email on how you can claim your gift.

Take note, though, that current cardmembers and individuals who have cancelled their Citibank credit cards within a year prior to this campaign do not qualify for this promotion. Otherwise, those who wish to apply for their new Citi credit cards can
head on over here to do so
.

HSBC – RM600 TNG e-Wallet Credit

Nowadays, we’re using our e-wallet more frequently to pay for things and earn rewards or rebates. So, here we have a gift that keeps on giving – a guaranteed RM600 TNG e-Wallet Credit – when you apply for a credit card with HSBC! Get some extra credits to spend on tolls, meals, groceries, and almost anything under the sun.

Don’t forget to activate and spend a minimum of RM1,000 on your new card within 60 days upon gaining approval to be eligible for this gift. That said, do note that current cardholders and applicants who were denied within six months prior to this campaign, as well as those who have cancelled their HSBC credit cards within six months prior to this campaign are not eligible for our campaign. Otherwise, you can apply for your HSBC credit card
here
.

Standard Chartered Bank – IROVA K5A Robot Vacuum or Riino Rapid Air Fryer

Chores can take up a chunk of our time during the weekend when we could have been spending it with our loved ones. Standard Chartered is now giving ALL approved applicants a guaranteed gift that will help ease your load and you get to choose between the IROVA K5A robot vacuum or the Riino Rapid Air Fryer 3.5L.

Rather than sweeping and mopping your entire home day in day out, let the IROVA K5A robot vacuum dry mop, sweep, and vacuum clean your floor all at the same time. Otherwise, opt for the air fryer by Riino and whip up some fried dishes for family and friends without hassle.

Everyone’s a winner when you apply for selected Standard Chartered credit cards. Just remember, you will need to activate your card within 30 days upon approval to be eligible for this gift. Lastly, be aware that existing cardholders and individuals who have held a Standard Chartered credit card in the past six months are not eligible for this campaign. If you qualify, then you can apply for your new Standard Chartered credit card
here
.

Alliance Bank – Tribit Bluetooth Speaker

Want to enjoy some tunes when you’re doing your chores or taking a shower? We’re giving you a guaranteed Tribit XSound Go bluetooth speaker when you apply for a new Alliance Bank Credit Card this week.

This waterproof Tribit bluetooth speaker is a must for any music lover as it is fitted with state-of-the-art bass radiators and dual 8W drivers so you can blast your songs to the maximum volume without having to worry about sound distortion.

Upon approval, you just have to activate to meet the requirements of the campaign and be eligible to get the prize. Existing cardholders of any Alliance Bank credit card and individuals who have held or cancelled an Alliance Bank credit card in the past six months are not eligible for this campaign. Apply for an Alliance Bank Credit Card
here
.

AmBank – Morgan Air Fryer

Take home a Morgan air fryer that is guaranteed to you when you apply for an AmBank Credit Card this week! No more dealing with greasy walls or messy sinks when you have an air fryer that makes delicious snacks with easy cleanup.

Apply, get approved and activate your Ambank credit card within 30 days upon approval to be eligible for this prize. Existing cardholders and individuals who have held or cancelled an Ambank credit card in the past year are not eligible for this campaign.
Apply for an Ambank Credit Card here.

***

Finally, be sure to start your application with our WhatsApp chatbot so that your eligibility is guaranteed, and we can always be at hand to help you when you need us.

While this week’s flash deal ends on 21 March (11am), do follow us on our
Facebook page
 to receive the latest Unbox This Week offers as we refresh the deals every week.

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RinggitPlus Unbox This Week Campaign

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Chee Jo-Ey

Chee Jo-Ey

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Free Kia and iPhone5s Up For Grabs From AffinBank

Attention AffinBank credit and debit cardholders, keep swiping those plastics and you might be driving away in a brand new Kia Rio 1.4 SX. Also up for grabs in AffinBank’s latest campaign “Spend, Save & Win” are an iPhone5, Samsung Galaxy SIII, HTC Desire X and 6 Apple iPad Minis.

There are several ways to participate in this competition and depending on the type of prize offered.

For the monthly prizes:

Spend a minimum of RM250 on your AffinBank credit card in a single transaction

Spend a minimum of RM250 on your AffinBank debit card in a single transaction

Deposit a minimum of RM250 into a current/savings account (account holders must also be an AffinBank debit cardholder)

To qualify for the grand prize and top 3 prizes:

Accumulate a minimum of RM2500 on your AffinBank credit card throughout the promotion period

Accumulate a minimum of RM2500 on your AffinBank debit card throughout the promotion period

Deposit a minimum of RM250 into a current/savings account for 5 consecutive months up to the period when the winners are chosen (account holders must also be an AffinBank debit cardholder)

No registration is required. AffinBank account holders automatically qualify for entry upon fulfilling the minimum requirements. Selection of winners is at the full discretion of AffinBank. Please read the
FAQS
 and
Terms & Conditions
 for a clearer picture of this give-away.

Does reading this make you want to get an AffinBank credit card? You can apply for one
here
.

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Brendon Lee

Brendon Lee

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Green Packet Subsidiary OCIB Obtains Conditional Investment Bank Licence, Targets Crypto Sector

(Image: Business Today)

Oasis Capital Investment Bank (OCIB), a subsidiary of Green Packet Bhd, has obtained a conditional investment bank licence from the Labuan Financial Services Authority (LFSA). With this, OCIB will now be able to begin fulfilling operational conditions so that they can earn a full operating licence to venture into blockchain and digital assets.

According to OCIB, the conditional investment bank licence is an approval provided by the LFSA that allows it to start setting up the required processes and technology platforms in accordance with regulatory requirements. Upon fulfilment of these operational activities, OCIB will be awarded a full operating licence, enabling it to spearhead the group’s offerings within the blockchain technology space.

In announcing its success in obtaining the conditional licence, OCIB said that it aims to be an innovative forerunner in Southeast Asia’s offshore neobank scene. In particular, it seeks to specialise in digital asset portfolio advisory, management services, as well as bespoke structured products and services for high-net-worth individuals, institutions, and enterprises.

Additionally, OCIB said that as an offshore investment bank, OCIB will aggregate, deploy, and optimise its clients’ funds and digital assets portfolios to ensure that clients can benefit from this emerging asset class while being fully aware of the potential risks. These services are on top of the conventional investment banking offerings, such as private wealth and corporate advisor and solutions in working capital management and underlying trade services.

(Image: The Star)

The chief executive officer of OCIB, Tan Kay Yen also weighed in to say that cryptocurrencies and digital assets have been experiencing tremendous growth and adoption over the years. In fact, it is now seeing serious participation from mainstream players, including central banks and established financial institutions.

“We anticipate that digital assets and blockchain will have a far more disruptive impact compared to conventional fintech as it addresses the fundamental building blocks of the financial ecosystem. We see tremendous potential in this space and will strive to help our clients to benefit from this transformational technology,” said Tan.

(Sources:
The Sun Daily
,
The Edge Markets
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Budget Travel Destinations You Probably Never Thought to Visit

We all love travelling, and our readers especially, love travelling for cheap. To that end, we’ve talked about
travel credit cards
,
travel insurance
, and how to
find the cheapest travel packages
 within your budget.

While we’re on that subject, we thought it would be helpful to share with you some cheap, underrated travel destinations you can perhaps include in your future travel itinerary!

Lombok Island, Indonesia

Everyone has heard of Bali, but not many are familiar with its eastern neighbour, the island of Lombok. Unlike Bali, Lombok is very much untouched and much less touristy, allowing you to explore its many beaches by yourself without being constantly harassed by vendors and tour guides. Travelling here is very easy as there are direct flights from Kuala Lumpur on board for only about RM500 plus for a return trip. On the island itself, you’ll be able to find reasonable hotel rooms for less than RM100 per night.

By the way, did you know you can travel to
Jakarta
 or Surabaya with freebies? Head to our
Travel Getaway Campaign
 for more information.

Pulau Lang Tengah, Malaysia

Located off the northeastern coast of Malaysia between Pulau Redang and Pulau Perhentian, this much smaller island nevertheless features with sandy beaches and crystal clear waters that are popular with divers and snorkelers. Apart from marine activities you can also be able to go jungle tracking into the interiors. To get to Lang Tengah, either drive directly to Merang, Teregganu and then take a ferry to the island, or take a bus from KL to Kuala Terengganu. From there, take a taxi up north to Merang, from which you can catch a ferry. The entire journey shouldn’t cost more than RM50. The island itself has several hotels where you can find accommodation from about RM150- Rm200.

Goa, India

Goa, on the western coast of India, is famous for its cluster of seaside towns where you can spend some time exploring the beach. Food and drink are really cheap here and a bottle of cold beer is nly about RM8. If you plan to stay in a backpacker’s inn, you’ll find plenty of them that charge only about RM50 to RM60 a night. Air Asia flies directly here on a daily basis. Local transport is also affordable and all the restaurants and hotels are local and authentic, with hardly any chain brands or stores in sight.

Hoi An, Vietnam

Usually when people visit Vietnam, they’ll end up in larger cities like Hanoi or Ho Chi Minh city but targeting a less crowded and commercialized town to visit like Hoi An means you won’t be expected to pay premium prices for hotels. Hoi An is a coastal town that houses a UNESCO heritage zone in the old quarter with period buildings fronting a fishing village. The rest of the town is pretty modern, with attractions both historical and modern.

Pokhara, Nepal

There are nowadays plenty of direct flights to Nepal and you’ll be able to find one that flies directly from KL to Kathmandu, Nepal’s capital, for only about RM1400 per round trip. After you’ve reached Kathmandu, you’ll have to board a bus to Pokhara, which is definitely less congested and way less polluted that Kathmandu. Here you’ll be surrounded by the majestic Himalayas and be able to see it up close. Simple backpackers inns with heated bath water costs only about RM70 per day and there are plenty of modern cafes around the lake area.

Keep yourself fully protected wherever you are in the world by getting the
best travel insurance
 coverage available and do log on to
Agoda
 to get the best deals for hotels and accommodation to keep you mind at ease and have a relaxing break.

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Michelle Chee

Michelle Chee

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MyezyCover Scheme Enables Civil Servants To Now Purchase Motor Insurance In Instalments

The government has introduced a MyezyCover scheme that will allow about 1.7 million civil servants to purchase or renew their vehicle insurance with interest-free instalments. This will especially benefit those who fall under the B40 income group.

Implemented with an investment of RM100 million from the Social Security Organisation (SOCSO), MyAngkasa Amanah Berhad (MAAB), and A Tech Insure, the shariah-compliant scheme will enable civil servants to buy or renew motor insurance via a few payment options. They can opt for either monthly payments, one payment every four months, or a full-sum payment – with monthly instalments starting from as low as RM50.

“Those who make a one-payment purchase would receive a 10% discount with payment via salary deduction by Angkasa,” said the minister of the Human Resources Ministry, Datuk Seri M Saravanan during the launch, adding that the scheme will later be expanded to government and private sector retirees as well.

(Image: Bernama)

The minister also explained that SOCSO had decided to join the programme as an investor because it was aware of civil servants who were struggling to cover their vehicle insurance payments. Some had to wait until the end of the month for their salaries before they could renew their car insurance, despite it expiring in the middle of the month. Others even went so far as to purchase their road tax and car insurance with loans from illegal money lenders, aside from cooperatives or with credit cards.

In light of such a situation, Datuk Seri Saravanan reached out to insurance companies for a discussion. “Looking at their [civil servants’] cashflow losses through such loans, I discussed with insurance companies and was told they have no objection to providing instalment payment scheme as some parties could put up the payment first. So I discussed with SOCSO and other parties to participate in the programme as investors,” he said.

Datuk Seri Saravanan further stated that he is confident the programme will help to reduce the financial burden on the people, especially civil servants, and can contribute to the eradication of poverty.

(Source:
Malay Mail
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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You Can Now Download And Submit Borang KWSP 17A (Khas 2020) To Maintain Contribution Rate At 11%

As part of the Government’s Economic Stimulus Plan 2020, the statutory contribution rate for EPF has been
lowered from 11% to 7%
. The EPF stated last week that all members
can still maintain their contribution rate at 11%
, but will need to submit a special form to do so.

The form, known as
Borang KWSP 17A (Khas 2020)
, is now available for download on the EPF website. Members who wish to maintain their rate at 11% must fill up the form and submit them to the EPF via their employers’ HR department. Most employers should have already issued notices on this and have hard copies for the form available, as the deadline for submission is 31 March 2020.

For those who decide to reduce their EPF contribution rate to 7%, they will not need to do anything – the change will be reflected in members’ salaries from April 2020 until December 2020, which means the contribution for the period of May 2020 until January 2021 will be 4% lower.

(Source:
EPF
)

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Borang KWSP 17A (Khas 2020)

Economic Stimulus Plan 2020

EPF

KWSP

About THE AUTHOR

Pang Tun Yau

Pang Tun Yau

A seasoned tech journalist who now focuses on his other passion, Pang is a firm believer in old-school DCA and optimised spending.

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    Shir Ley Low

    3 years ago

how to submit the form 17A? KWSP is closed now due to MCO.

185

Reply

    indira

    3 years ago

how to send through online to kwsp, this borang kwsp 17AA

107

Reply

    may yu

    3 years ago

borang khas 17A sudah siap isi tetapi tidak dapat hantar kepada KWSP, bagaimana?

64

Reply

    Sharon

    3 years ago

Hi, If Our Late to submit the form KWSP 17A , How should i to now?

34

Reply

    Pang Tun Yau

    3 years ago

    Reply to

        Sharon

You should check with your company’s HR department to see what can be done, they should have a better idea of what’s possible.

1

Reply

    vivian oh

    3 years ago

hi, jikalau pekerja masih dikehendaki menolak 11%, majikan akan isi borang khas 17A, lepas tu email kepada website mana?

22

Reply

    Jacie Tan

    3 years ago

    Reply to

        vivian oh

EPF is accepting form submissions through email!
[email protected]

8

Reply

    gaya

    3 years ago

HI, NOW PROBLEM LOCKDOWN, BY ONLINE CAN SUBMIT ?

7

Reply

    Kalbit Kour A/P Pan Singh

    3 years ago

Can we know by which date do we have to submit the Borang KWSP 17A (KHAS 2020). Some of our staff want to maintain 11% (April 2020 payroll) but have yet to sign the Borang KWSP 17A (KHAS 2020).  The other issue is that the Company Representative has not sign the borang and the official company chop is not available as we cannot go back to the office since MCO .

23

Reply

    Tan Choi Hoong

    3 years ago

During MCO, can I know how to submit the form KWSP 17a (Khas 2020) start from April Salary (Caruman May 2020) ? Can I submit through email ?

17

Reply

    valliamma murugam

    3 years ago

how to submit 17a form by online.

23

Reply

    PC CHEW

    3 years ago

after filled in the form khas 2020, where should i submit since now is MCO?

12

Reply

    Kang

    3 years ago

When is the due date to submit Form 17 A (Khas) since now is under MCO if we want to maintain the rates under 11% for Apr 20 salary ?

-1

Reply

    cammy pang

    3 years ago

why cant download Borang 17A (khas 2020)

0

Reply

    quah bee hong

    3 years ago

Need to submit borang 17A (Khas 2020) but how to submit now as MCO and EPF office at Jalan Raja Laut, did not open for public? Can submit by online, pls advice how to go about? thank you.

0

Reply

    Ooi Lai Gee

    3 years ago

Can we know by which date do we have to submit the Borang KWSP 17A (KHAS 2020). Some of our staff want to maintain 11% (April 2020 payroll) but have yet to sign the Borang KWSP 17A (KHAS 2020). The other issue is that the Company Representative has not sign the borang and the official company chop is not available as we cannot go back to the office since MCO .

0

Reply

    Lee Lay Hua

    3 years ago

Hi Anyone can help to response regards KWSP17A Khas2020 form, due to MCO our company payroll are work from home, employee are submit soft copy pdf form to payroll. We would like to have KWSP email for submit soft copy of KWSP17A Khas 2020. If we have 444 pdf soft copy can still sent by email?

Otherwise can we submit the listing with full employee detail to EPF? Kindly advise submit deadline as well.  Many thanks.

3

Reply

    Jescyln Way

    3 years ago

how to submit the form 17A? KWSP is closed now due to MCO.

2

Reply

    kuha

    2 years ago

Please check Voluntary Excess (VE) in KWSP I-akaun employer. There is guidance to upload the form.

0

Reply

    kuha

    2 years ago

Please check Voluntary Excess (VE) In KWSP webiste.There is guidance to upload form.

0

Reply

    lim yen phin

    2 years ago

where should I submit the Borang KWSP 17A (khas 2021) ?

0

Reply

    LIANG NYOK FOON

    2 years ago

HOW TO SUBMIT FORM 17A AS KWSP NEED STO , STO WAS FULLY BOOKED

CAN I SUBMIT ON LINE

0

Reply


Shopee Gives Out RM3,000 In Onboarding Benefits To 60,000 Local MSMEs

As many as 60,000 local micro, small, and medium enterprises (MSMEs) will receive up to RM3,000 in Shopee benefits via Shopee’s Go-eCommerce Onboarding programme.

New Shopee sellers who have registered as a seller from 1 July onwards will get RM1,500 in Shopee Store Coins Cashback Vouchers and up to RM1,500 in service fee rebates. Meanwhile, existing sellers who registered before July will get RM2,500 in Shopee Store Coins Cashback Vouchers and up to RM500 in service fee rebates.

“The initiative under Belanjawan 2021 aims to encourage the adoption of e-commerce as a trade channel amongst local MSMEs and Malaysian citizens who wish to venture into entrepreneurship,” Shopee said in a statement. “Shopee is also co-funding this initiative Ringgit-to-Ringgit in partnership with the Ministry of Finance and the Malaysia Digital Economy Corporation (MDEC).”

The programme was also part of the PENJANA e-commerce initiatives last year – known as Micro and SMEs E-Commerce Campaign before it was rebranded to Go-eCommerce Onboarding. Over 40,000 MSMEs were digitised through the campaign last year and participating MSMEs recorded a 158% increase in daily sales after receiving the benefits.

The Go-eCommerce Onboarding programme is open to registered Shopee sellers who are Malaysian citizens or belong in the MSME category as defined by SME Corporation Malaysia. Interested sellers who meet the eligibility criteria can start applying from now until 30 November 2021 at shopee.com.my/goecommerce. Participation is free, but sellers are encouraged to apply quickly as space is limited.

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Start Your Own Website Cheaply

Almost everyone has a website these days; whether it’s a business or an up-and-coming blogger with many insights and ideas to share with the world. Having a website doesn’t just provide you with a platform to have a voice; it also enables you to connect to your audience, customers and clients anytime; anywhere in the world.

There’s no doubt that websites have become so important, so integral that you would be hard-pressed to find even a tiny
kedai runcit
 without one of its own nowadays. It’s no wonder more people are investing top dollar into their online presence.

Whether you’re thinking of turning into the next successful tech start-up founder or you simply want to share ideas and sell Rainbow Looms in an online store; the first thing you will need is a website. But if the potential cost of creating an online presence is getting you done, get out of that headspace!

Creating your own website doesn’t have to cost you thousands in hiring ex-Mozilla web developers and buying uber expensive URLs – start small and invest more time and passion in your website. We can’t help you with the latter but we can help you build a website in a cost-effective way.

Free website creator sites

One of the simpler ways to start your own website is to use platform sites that allow you to create your own website for free. They offer you free (though limited) templates and layouts, which gives you the freedom to customise the site as you please. Everything will be easily laid out for you, making the entire process simple and quick.

There’s no such thing as a free lunch so there will be drawbacks. Namely, that you can’t choose your own domain name (meaning your website’s web domain will contain the name of the original website you used), you have limited website pages, the website will have ads that will not be profitable to you and you have limited bandwith and storage on your site but the idea is to create a bit of buzz for yourself before hitting paydirt.

If you’ve got a bit of spare cash, you can opt to pay for add-ons and premium plans which give you a little more leeway. Most of these sites are international, so expect to pay US dollars for these services.

Websites:
Wix,

Yola
,
Weebly

Recommended for:
Those who wish to start a very simple website with very few and simple features. Ex: Resume, brand information, contact information, blog, etc.

Create your own website from scratch

If you’re keen to create your own website from scratch, there’s a lot to consider as there are so many types of offers for different types of websites. So start off by considering what kind of website you intend to create. If you’re making a website for your side business – a cake decorating service for example – how much information do you want to have on your website? Do you want your customers to contact you directly through the website? Can they order from your website?

The more information and applications that you want on the website, the more you may have to pay in terms of hosting and services. So for this guide, we take a look at the cheapest website you can create from scratch, though it does come with some limitations.

Buy your own domain name

No website is complete without the right web domain name. After all, this is how people can find your website, especially if it’s as simple as typing on the web bar to go straight to your site. The better your domain name, the more likely people will remember and find your website online. But getting the right domain name does come with a price tag.

If you want something that’s more affordable, check out Malaysian websites that offer the service to purchase a web domain. Buying a web domain normally lasts one year, so if you’re keen to save more, certain websites offer you better deals when you buy for 2+ more years. So see which one suits you best.

You also need to consider whether you want your domain name to end with .com, or if you want to be associated with Malaysia by having .com.my or just .my. Using .com is cheaper, with a price range of RM35-RM40. Domain names ending with .com.my cost around RM80, while .my is the most expensive with RM110-RM120.

Websites:
Webserver Malaysia
,
Exabytes
,
1host

Cheapest price:
 RM35-RM40 for a .com web domain for a year.

Web hosting

This is where things get especially tricky cause the next thing you need to work on for your website is the web hosting. Hosting is where you keep all the data and information of the website, which is why the more information and applications you have on the website, the more hosting you will need. And with more hosting, that means more money necessary.

You can save money on web domain names in some hosting packages, depending on which you opt for. Some web hosting offer free domain names for as long as you use their web hosting. But these are usually offered in the more expensive packages.

Web hosting offers not just storage and bandwith, but email accounts extra domains and subdomains, MySQL which is a database management system and more. But depending on your package, some of these offers may not be available.

Premium web hosting packages can cost up to thousands of Ringgit, but if you’re after something more affordable, light and simple packages with limited services can cost up to RM39 a year, though you will still have to buy your own web domain. If you do want more of the basic services but still below RM200 (if that is your budget), there are packages around RM60-RM150 for a year as well.

Websites:
Webserver Malaysia
,
1host

Cheapest price:
RM39 for a year

Choose or design your website’s template

You’ve now bought the address and house of your website, so now it’s time to decorate the place. You also have a number of choices you can do here; you could hire a designer who will quote you on a price depending on what you want, you could purchase a design online, or you could use a free template available.

As the cost of a design varies heavily on what is offered, take into account what you need in your layout. Do you need a lot of pages? Will they all look the same? How many images will you be using?

Your cheapest option is to actually find a free template and customise it from there, though you may require some knowledge on how to work on some codings and layouts. But no worries, there’s always the internet to help you out on that one.

Still prefer to pay for one? A website template can cost anywhere between US$15 (RM48) to up to US$75 (RM240).

Websites:
Templateworld
,
Freewebtemplates
,
Freewebsitetemplates

Cheapest price:
 Free

The final tally

If you went for the cheapest web domain and hosting, altogether you would have spent RM74 for your website for a year, which is under RM100. Not a bad price! Though it does come with some limitations, so you may not be able to do as much as you hoped depending on your plan. There’s always the free route that you can take as well, which will certainly help for those who want to start off simple and need to keep things easy, especially if you’re new to the mechanics of a website.

Whilst there may be limitations when you keep things cheap; it doesn’t hurt to start small and to build from there once your business grows or your coffers do. When you’re ready to expand or if you’ve managed to secure investors; you can then opt for more professional website solutions. Good luck!

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Kaspersky Warns Of Fake E-Wallet Apps And Scams During Hari Raya

(Image: The Sun Daily)

Kaspersky Security Network has reminded that cybercriminals are constantly monitoring for interesting topics to lure and scam potential victims of their money, with various such subjects emerging in 2020. Noted in the Kaspersky Mobile Malware Evolution 2020 report, the cybersecurity company said that Covid-19 was the most significant topic last year, and cautioned Malaysians to also remain alert for scams related to the upcoming Hari Raya festivities.

According to the managing director of Kaspersky Asia Pacific, Chris Connell, cybercriminals make use of various tactics to scam victims. One such method is to trick them into downloading fake, legitimate-looking e-wallet apps, which are actually malware aiming to infect smartphones used for digital payments.

“They are constantly coming up with innovative tactics to compromise e-wallet platforms. And with the ongoing pandemic plus the festive season, we see more social engineering tricks like phishing and scams to trick the human mind,” said Connell in a statement. He also added that giving out
duit raya
 through digital payment will “undoubtedly be safer”, as long as proper safety measures are followed.

Connell further emphasised that consumer awareness is crucial in helping to mitigate cyber risks, especially as Malaysia adopt trends like digitalisation, Internet of Things, and 5G. “For us, at Kaspersky, we have been working with small and medium business organisations and universities in Malaysia to spread tips on how to improve one’s online habits against fraudulent schemes,” he said.

Territory manager Nicole Woo also concurred with Connell’s opinions, saying that cybercriminals will be a constant threat, especially during Hari Raya as it is also a season of giving. Consumers will use various types of e-wallets and bank mobile apps to transfer money gifts to their loved ones. “We should be extra cautious towards these possible threats to trick the consumers,” she said.

(Image: Amanz)

Kaspersky further offered some tips on how consumers can safely tap into cashless technology during the Hari Raya season. These include updating the operating system of their phones, installing a solid cybersecurity app, and verifying the site or app that is used.

Aside from that, the Kaspersky report also revealed that 103,573 mobile malware attempts were detected in Malaysia last year, following the public’s increased adoption of e-payment platforms. Of the number, 99.9% of the threats were targeted at the Android platform, whereas less than 0.1% was on the iOS platform. Malaysia also ranked eighth in a poll for the highest number of users attacked by mobile malware, at 19.68%. For comparison, Iran ranked first at 67.78%.

Additionally, adwares (advertisement-supported software) made up a big chunk of the mobile threats in Malaysia in 2020, with 57.26% as compared to 21.81% in 2019. Kaspersky also said that it detected 156,710 mobile banking Trojans twice in 2020.

(Sources:
Securelist
,
Bernama
)

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About THE AUTHOR

Alex Cheong Pui Yin

Alex Cheong Pui Yin

Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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CIMB Credit Card Perks: 10% Discount at Zuo, Publika

CIMB credit card and debit cardholders, have a seat and experience a homespun and nostalgic taste at
Zuo, Publika
 and receive 10% off when you spend a minimum of RM50 in a single bill.

Enjoy a taste of home from now till 31 December 2013. This offer is not valid with other on-going promotions or discounts. Click
here
 for further Terms & Conditions.

Need a CIMB credit card? We've got the right card for you here at
RinggitPlus.com

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Top Things You Should Know About The New Motor Insurance De-Tariffication In Malaysia

In the past few decades, buying or renewing a motor insurance policy has been a pretty much straightforward process. Your premium is determined by the type of model, the age of the car, the engine capacity of your vehicle, and no claim discount up to 55% if you don’t make a claim.

However, in July 2017, the motor insurance market will be de-tariffied in Malaysia which will change the way you purchase motor insurance. Let’s find out more.

How Will De-Tariffication Affect Me?

Let’s use Teh Ais – a favourite drink among Malaysians – as an example;

If the cost of a glass of Teh Ais were regulated by the government and is set at between RM2.20 to RM2.50 per glass that would mean it’s a tariffed product. If the government later decides to de-tariff Teh Ais, the restaurants and eateries are then free to charge a glass of Teh Ais according to their incurred costs and discretion.

What Are The Factors That Determine The Premium?

Insurance providers can adjust premium rates based on your risk factors as a driver, which is known as a “Risk-Based Premium Calculation”. The higher your risk is, the higher your premium will be. Some of these factors include:

Gender

Age

Vehicle make and model

Claims history

Occupation

Place of residence

Use of vehicle

These are just a few of the risk factors that insurers will take into consideration when determining your premium rate. Countries like Germany, China, USA, UK, and Singapore have beat us to it by years. So don’t worry, it’s hardly a new concept!

How Will It Benefit You?

So, here are some things we think will benefit you as a customer:

New innovative insurance products to cater to a wider range of customer profiles. Even a husband and wife living in a same household can now have different motor insurance plans to cater their different needs.

Smoother and more efficient services. Now that the market is competitive, insurance providers will go all out in terms of improved product and services to win you over.

Fairer price based on risk profile. Drivers with safe driving behavior will be seen as having a lower risk profile and they will likely pay less for their motor insurance.

How Can You Prepare For It?

Here are some of the things that you can do to prepare for the changes:

Lower your risks as a driver as much as possible, as soon as you can.
 If you’re prone to reckless driving (a habit you should lose for your own safety anyway), it’s time to improve yourself and be a responsible driver.

Compare across insurers
 and be aware that insurers may reduce a product’s coverage and features to lessen the premium price. A lower premium may attract you at first, but you might regret it when you get into an accident and find that parts of the damages are not covered under your policy.

If you aren’t sure on what to compare when buying a motor insurance policy, here are some of the things that you need to take note of and consider:

a) The quality of their customer service.

b) The ease of making a claim.

c) The speed of their claims process.

d) Whether the level and type of coverage is sufficient for your needs.

These tips will help you to shortlist the insurers that you can consider purchasing from after the de-tariffication. You should also compare the products from reputable insurance providers that are recognised by Malaysians, such as
RHB Insurance Motor Insurance
.

What are your thoughts on the de-tariffication? Do you think it will benefit you as a consumer? What other ways can you do to lower your premium after it takes effect? Share your opinions and tips in the comment section below!

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Maybank Will Be Replacing SMS TAC With Secure2u From December 2018

Update
 17/1/2019: On 20 December 2018 it was announced that all Maybank app transactions (including Instant Transfer and Interbank Giro Transfer to your non-favourite accounts, Bill Payment and Prepaid Reload) will be authorised on Secure2u starting from 22 January 2019.

Maybank will be replacing the existing SMS TAC with Secure2u for designated services starting from 1 December 2018.
Secure2u
 was introduced to customers as a safer and more convenient method to authorise transactions using the Maybank mobile app.

Maybank Secure2u features two payment authentication methods: Secure Verification and Secure TAC. Secure TAC produces a six-digit Transaction Authorisation Code (TAC) on the Maybank app to authorise Maybank2u transactions. Meanwhile, Secure Verification pushes a notification to the user’s smartphone to “approve” or “reject” transactions on Maybank2u, where they have 30 seconds to respond. Secure2u is linked only to a single device and one username, measures which keep users’ details secure.

In essence, Secure TAC and SMS TAC aren’t that much different for users – both generate six-digit codes for authorisation. The only difference is that SMS TAC is sent via SMS, which is dependent on the telco, while Secure TAC is generated from the Maybank app. If you’ve ever experienced slow SMS TACs, this move is certainly a welcome one as Secure TAC works even on slow internet connections. From 1 December onwards, here are the services that SMS TAC will progressively be replaced by Secure TAC:

From the table, it’s obvious that virtually all online banking transactions done on Maybank2u will require Secure2u verification in the future. Hence, Maybank users are encouraged to download the Maybank app, which is available on both
Google Play
 and the
Apple App Store
.

(Source:
Maybank
)

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    Norehan Yahya

    3 years ago

I do pray Maybank do not do away with the TAC code over SMS. The SMS TAC is definitely more secure than sending TAC code over the so called ‘secure  mobile app.’.

If Maybank force customers to use the non secure mobile app, for m2u transactions, I shall have no choice but move to a more secure bank…

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    Azaan M Nawawi

    3 years ago

No point havine secure2u when TAC don’t work at all times. End to End robust testing is needed. Just my thoughts. Secure2U dependant on own mobile with specific telco. Not sure if testing done on switching telco with same phone no or otherwise. There is an old saying…test all the difficulties so that the customer have it easy.

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Last Minute Income Tax Tips for 2016!

Have you done your income taxes for this year yet? They’re due pretty soon and there’s quite a bit to figure out. But fret not, we’ve compiled an easy-to-read, super-digestible graphical guide to filing your income tax for 2016, including tips and tricks we’ve found that can save your some tax expenses. Read on!

Now you have pretty much everything you need to start filing your income tax like a boss. As we’ve stated in the graphic, you can check out more detailed information on tax brackets, rebates, reliefs, and much more in our
in-depth article on how to file your income tax for the year of 2016
. File responsibly!

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Visit Malaysia Year 2020 Expected To Boost Travel Insurance Sector

The travel insurance segment is expected to receive a boost in growth this year due to the Visit Malaysia Year 2020 (VMY2020) campaign, according to stockbroking company TA Securities.

The VMY2020 campaign, which was first announced during the tabling of Budget 2018, is targeted to bring in a total of 30 million international tourists and RM100 billion revenue in the tourism sector.

“We believe the travel insurance business may steal the limelight as the campaign may indirectly help to drive up demand for travel insurance products,” said TA Securities in a recently released report.

TA Securities also based their prediction on a
forecast
 from the Malaysian Aviation Commission (MAVCOM), which anticipates that air passenger traffic across all airports in Malaysia will grow between 5% and 6% in 2020. In other words, MAVCOM is expecting to see an increase of between 114.9 million to 116 million passengers next year, driven by the VMY2020 campaign and a 3.2% year-on-year increase in domestic seat capacity growth.

The VMY2020 campaign is the fifth instalment in a series of Visit Malaysia Year campaigns since its first in 1990. The promotion and undertakings of the latest campaign will be carried out by the Ministry of Tourism, Arts, and Culture, as well as Tourism Malaysia.

(Source:
Focus Malaysia
,
The Star
)

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Alex Cheong Pui Yin

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Previously covered recruitment-related stories and had a short stint as a copywriter for the property industry. She subsequently developed an interest in investment and robo-advisors.

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Maxis Is Giving 25% Discount On Malaysia Airlines Domestic Flights

Maxis and Hotlink customers can enjoy a 25% discount on Malaysia Airlines flights to domestic destinations, a special deal in conjunction with the telco’s 25
th
 anniversary celebration. The discount applies to popular local destinations including Langkawi, Penang, Kota Kinabalu, Kuala Terengganu, and more.

You can find the voucher for this deal on the
MyMaxis
,
Hotlink Red
, or
Hotlink Postpaid app
, and enter the promo code while booking your domestic flight through the Malaysia Airlines website or mobile app. The booking period for this promotion is from 18 to 31 August 2020, with the eligible travel period between 18 August to 31 December 2020.

Do note that the discount is not applied to taxes and fees, and is not valid with other promotional codes and MHexplorer special fares. The terms and conditions state that limited seats are available, and seats may not be available on every day or every flight throughout the travel period and are subject to availability. Embargoes and blackout periods also apply.

You can find out more about
Malaysia Airlines discount here
. Other notable vouchers offered by Maxis in celebration of its 25
th
 anniversary include deals with FashionValet, Tesco Online, The Body Shop, Lazada, Agoda, and Expedia.

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Most Common Lies Retail Salespeople Tell You (and What They Really Mean)

As someone who’s been on both sides of the retail counter; I have much respect for the retail salesperson. It’s a thankless job sometimes and the pay can be peanuts. it’s no doubt that retail salespeople work hard for their money and the situation is compounded if they are paid based on sale commissions. It’s a tough job; but sales must be made. What is a salesperson to do?

It may sound wrong but, a small lie or omission will go a long way to securing a deal. These are some of the most common lies retail salespeople tell you and what they most likely, truly mean.

1. “This is the last piece”

The ‘last piece’ lie speaks to your inner
kiasu
 and fuels a sense of urgency. This statement is usually made a little after you have already shown some interest in the item but are not running to the till just yet. It is the soft push of someone already on the edge of the consumer precipice. There is possibly a storage facility full of the same item or if not; a supplier on hand to supply more when necessary.

What it really means
: The last piece lie is most likely told to push you to buy something the salespersons knows you already want but are struggling to make a decision on . Sometimes; it’s also used when the item you are interested in is damaged or imperfect. By telling you there is no other like it; if you want it bad enough, you will buy it anyway. The problem with using this lie too often is the”boy who cried wolf syndrome”: no one is going to believe you when it’s actually true!

2. “You’re my first customer so I give you the best price”

Usually told by street vendors whom you haggle with and the odd small business owner. Whilst this may be true often enough – you know you’re being taken in when it’s 2pm on a busy weekend. Some variations of this include “you’re a nice looking girl/boy; I give you good price,” or “I know you come here often so I give you good price”.

What it really means
: A little bit of harmless flattery; it’s usually meant to stop you from haggling further and possibly ensure you don’t get to the competitor’s stall. Is it really the best price they can do…? That’s one of those well-guarded industry secrets although my money is on: probably not.

3. “Today is the last day of the sale”

A lot of places do advertise start and end dates for sales but many don’t. For the places that don’t; don’t be surprised if you’re told every day you walk into the store that that particular day is the last day. True story: over Christmas our writer noticed a good sale going on at a store in a popular mall. She wanted to get presents anyway and grabbed a handful of items that were on sale. The salesperson added deftly, “Don’t you want a little something for yourself too? After all, this sale is ending in 2 days.” So she bought a few extra things. Cut to the future three days later and not only is the sale still going on; prices are slashed even lower! Seeing she had been taken; she casually asked another salesgirl when the sales would be over. Would you know it? She said within the next three days.

What it really means
: This one, much like the ‘last piece’ lie appeals to your emergency switch. If you don’t act now; prices will rise! And just like our writer, you buy just a bit more than you intended. It also helps the outlet make more money off an item by selling it at a less discounted price. You’ll notice sale mechanics work on levels. Some items are slashed 30%, some 50% and some 70%. The 30% item will eventually need to be slashed further if it doesn’t sell within a certain period meaning the longer you wait for a sale to progress – the cheaper prices will get.

4. “Your skin/hair/eyes very puffy/oily/dry. You should buy this.”

Men, unless you frequent salons and skincare outlets a lot; you can probably sit this one out. Back in the day, your stylist/ beauty therapist and makeup counter lady was the expert you sought when your hair or skin was feeling less than wow. Today, she’s more likely to be making things up to get you to buy more products you don’t really need. Be wary of the salon stylist who’s
always
 trying to sell you a treatment or the beauty therapist who insults you covertly.

Of course, we’d like to take a moment and shout out to the fabulous stylists and beauticians who really are looking out for you! We know you exist; but like meter-less cabbies and doctors who prescribe antibiotics for a flu; the overbearing beautician is giving you a bad name.

What it really means
: I need to sell you a product. Any one will do. So I am going to pretend you have really oily scalp and dry skin on your face.

5. “This item is imported.”

Less of a lie but more of a twisting of truth; the ‘it’s imported’ statement is to make the item appear exclusive and hard to get. Also, there are still quite a few Malaysians who are impressed by items imported from the USA or UK but not so much China or Taiwan. Salespeople know this; that’s why they stop at ‘imported’ and unless you ask “from where?” they are unlikely to mention it if it is an Asian country. Again, from personal experience, our writer purchased a cosmetic product supposedly from France. Upon reading the label she found the item was made in Malaysia and shipped to France to be labelled and then sent back to Malaysia for sale!

What it really means
: The item may be imported but a good chunk of what’s on our shelves is imported. Saying an item is imported doesn’t actually make it any better or more exclusive but it does give out the impression of being so. Of course, if you’re a shopper who doesn’t care where an item comes from as long as it’s made well, then this is no problem for you!

But all in all; we love you, salespeople all the same!

All that said, we know salespeople work hard for the money. Standing for 8 hours and dealing with all kinds of customers isn’t easy. Sure, we may laugh at some of the funny lies we’re told to make a sale but all in all; we know you’re just trying to do your job as best you can. But trust us when we say; we’re probably going to buy anyway!

Have a good shopping weekend guys!

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Diana Chai

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Year End Financial Reminders

As 2015 draws to a close; many people will be making plans for 2016 but before you leap-frog into the new year; it’s time to make sure the old one is set right financially first.

Consider us your timely financial alarm clock as we give you a checklist of steps you can take to close 2015 properly before speeding into the new year.

Review All Your Statements

By the year end you will be receiving all your yearly statements from insurance to loans; bank accounts to EPF. It’s tempting to just chuck all these pieces of paper in a box where it will never see the light of day but it’s better to know than not know.

Especially if a mistake had inadvertently be made. Check the ins and outs of your bank accounts; loan activity statements; and even the input of your EPF contributions by your employer.

Should any of these statements show discrepancies – do contact the other party ASAP. If you are sure that everything is as it should be; you can rest easy knowing that your financials in 2015 were correct and as they should be.

Update Your Will

Or make one if you haven’t. Your wealth and material circumstances should change in a year be it for better or worse. These changes should best be reflected in your will as soon as you can manage it.

Whilst the thought of the end is not at all pleasant; it will be made much worse if your estate is left to languish instead of being rightfully distributed.

If you haven’t made a will yet; now is as good a time as any. You can easily do this by finding a lawyer or checking with your usual financial institution. Many banks are now offering easy will-writing services that shouldn’t bust your budget so do consider putting it all down to paper.

Update Your Insurance and EPF Nominations

This is more applicable if you have recently experienced a life-changing event that warrants the changing of nominations on your insurance policy and EPF.

Perhaps you have recently married; divorced; had a child or lost the family member who was your beneficiary. All of this will require an update so both EPF and your insurer knows where to funnel these bequests should anything untoward befall you.

Again, this, like the updating of a will is not pleasant but a necessary evil in the protection of your assets.

Check Your Insurance Policies

Have you taken out your insurance policy a long time ago? Perhaps, as mentioned above, a life-changing event has taken place. You may want to make extra provisions for a new family member or change in circumstance by either upgrading or changing your insurance policy.

Check out the best
medical card policies
,
term life policies
 and
personal accident insurance
 all in one place:
our website
. If it’s time to switch to a policy that serves you better; best do it before your next premium payment is due.

Identify Ways to Be Financially Fitter in 2016

If you haven’t already added it into your resolution plans for 2016, we’re reminding you now! Even if you’re doing pretty well already; improvements can always be made to help you grow your financial empire.

Find new ways to save, invest or make more money. Here are some preliminary steps:

1) Identify where spending cuts can be made or money black holes that surfaced through the year.

2) Check if your banking products are helping you get more for your money or draining it instead. See how your
fixed deposit
 stands up against some of the best in the market and do the same with your
credit card
.

3) Read up and/or contact your personal finance advisor to see if there are better ways you could be investing your money for optimum growth.

4) Identify avenues to make more money. Could you take on freelance assignments or perhaps a complete career change is in order.

Get Ready For a Fantastic 2016

Nothing makes any future better than a healthy dose of optimism. Whatever challenges 2015 brought you financially or otherwise; there is all the possibility for it to get better.

Do you have any tips to share or simply want to talk about your plans for 2016? We’re all ears – or in this case eyes. Let us know in the comment section below.

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Diana Chai

Diana Chai

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