Stay in control of your finances. We give you the option to decide on your spending limit at Point-of-Sale (POS) and withdrawal limit at ATM:
Product | Daily POS Limit (RM) | Daily ATM Limit (RM) | ||
---|---|---|---|---|
Default | Max | Default | Max | |
eSaving | 1,000 | Up to 5,000 | 3,000 | Up to 10,000 |
Hybrid Standard | ||||
Hybrid AP Platinum | ||||
Hybrid PB Platinum | Up to 8,000 |
Note:
Set Your Contactless Limit
You can set your Daily Cumulative Limit and Transaction Limit for contactless transaction at any Alliance Bank ATMs or via Contact Centre.
Limit Type | Default Limit | Preferred Limit |
---|---|---|
Daily Cumulative Limit | RM750 | Up to RM750 |
Transaction Limit * | RM250 | Up to RM250 |
*The maximum amount that you can pay or tap in a single transaction. |
The contactless feature can be disabled. To request, please visit any Alliance Bank Branches, ATMs or Call Contact Centre @ 03-5516 9988.
You can conveniently check your account balance and transaction details 24 hours a day 7 days a week via;
The MyDebit brand/logo on the card denotes that your Debit Card supports the domestic payment network ie. MyDebit only applies within Malaysia. Whenever you see the MyDebit brand at retailers in Malaysia, you can make retail purchases using your 6-digit ATM PIN.
The MyDebit contactless allows customer to make payment by tapping the card on the contactless reader or holding the card close (2 to 3m) to the terminal without having to enter a PIN. The maximum transaction amount for a contactless transaction is RM250. Any transaction above RM250 would require PIN to be entered.
By the contactless symbol or indicator as shown below.
No. Debit Cards must be within 4cm of a contactless reader enabled by the cashier for transactions to work. If the contactless reader is not processing a transaction, it will not read any Debit Card presented in front of it by mistake.
The contactless reader can only process one transaction at a time. Even if the Debit Card is accidentally tapped more than once, you will only get billed once for the transaction. There are also fraud preventions in place to mitigate fraud risk. You must notify the Bank immediately to block your Debit Card if your card is stolen or lost.
If the contactless reader detects more than one card, it won’t complete the transaction. You’ll need to do the transaction again. You should make sure you only hold one card on the reader and always take it out of your wallet.
Each contactless transaction includes a unique code that changes with each transaction. It is generated by the chip in the original Debit Card, and cannot be guessed from fraudulently intercepted card security details.
If contactless transaction is above RM250, the transaction cannot be authorised without the cardholder’s PIN verification.
Yes, the contactless feature can be disabled. You can request by visiting any Alliance Bank Branch or Call Contact Centre @ 03-5516 9988.
The automated fuel dispenser (self-service pump) will authorise the fuel transaction before you can pump fuel into your vehicle by sending a pre-authorisation amount on the payment card to your card issuer.
A pre-authorisation is a temporary hold of a specific amount from the Debit Card's/Debit Card's-i available balance. It is used to verify that the card is active and has sufficient available funds.
The agreed pre-authorisation amount at petrol stations in Malaysia is set at RM200. The actual amount to be debited will be determined after fuel pumping is completed.
The pre-authorisation is not a charge and no amount will be debited from your card account, but your available balance is temporarily reduced by the pre-authorisation amount. After pumping fuel, the actual amount is sent to your issuing bank and debited from your card account. The pre-authorisation amount is then cleared within 3 business days after the transaction.
Customers who want to avoid pre-authorisation are advised to go to the cashier where the exact transaction amount would be deducted from the cardholder’s account.
You will receive SMS alert when you perform the following types of transactions:
You will receive SMS alerts when your transaction amount exceeds the default threshold amount.
You have the flexibility to choose your SMS alert preferred threshold amount by contacting our Customer Service at 03-5516 9988 or visit of our any Alliance Bank Branches otherwise it will be based on the Bank's default setting.
We strongly encourage you to receive the SMS transaction alert to safeguard yourself against any unauthorised transaction.
However, you can disable this service by providing a written consent or complete the Service Request Form (Form). The Form can be obtained from any Alliance Bank Branch or Customer Service.
No, the cost of sending the SMS alert is borne by the Bank. This is a value added service provided at no charge.
No, there will be only one (1) default setting on the threshold of amount applied for all Debit Cards/Debit Cards-i you have with the Bank.
The SMS alert will include details such as transaction amount, merchant name, date and time of the transaction.
Yes, you have flexibility to choose as the following transactions;
You will receive SMS alerts on transactions made on your Debit Card. This helps you to track movements in your account and safeguard you against any unauthorised transactions. If you wish to set a preferred threshold amount for transaction alerts, visit any Alliance Bank branch or call our Customer Service at 03-5516 9988.
Note: The transaction alert can be disabled. However, we strongly encourage you not to disable the alerts to safeguard yourself against any unauthorised transactions.
To make this request, please visit any Alliance Bank Branch or call Customer Service at 03-5516 9988.
Safety Tips for Online PurchaseFollow these steps to make convenient, cashless transactions.
LOOK for retailers with the MasterCard/MyDebit/VISA logo.
Note: The retailers will choose to accept and process payment via their chosen Debit Card network.
CHOOSE your payment method:
(Contactless)
(PIN)
Note: From 1 July 2017, signatures will no longer be accepted when you use your Debit Card for local transactions. For details on PIN & PAY, refer to www.alliancebank.com.my or get your copy of the PIN & PAY brochure from any of our branches.
Card-Not-Present (CNP) refers to a purchase when you make without physically presenting your Debit Card at the time of purchase @ POS terminal. All new cards issued are by default blocked from making CNP transactions.
To enjoy full payment convenience on your Debit Card, you can enable (opt-in) for the following CNP transactions and overseas transaction.
Kindly take note that there is a risk for fraudulent transactions if your account data is compromised.
Note: You can disable (opt-out) via the same channels.
Your Debit Card can be used CIRRUS symbol on it can be used to withdraw cash at any overseas ATM that displays the CIRRUS logo
You will be liable for unauthorised card-present transaction(s) which require PIN and signature verification or use of your contactless Debit Card(s) if you have:
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