Your card may be rejected by ATM due to the following reasons:

• The condition of the card i.e. card is either broken, bent or magnetic stripe/computer chip is damaged or the encoded data is erased.
• The machine is faulty.
• The customer’s account is tagged.
• Account not authorized.
• Transaction not authorized.
• Card not activated/ not readable.
• PIN is incorrect.

Please call your bank’s branch or ATM Centre where appropriate for further advice.

Why is my card being retained by the ATM?

• Made unsuccessful attempts to key in the PIN
• Did not remove card within stipulated time frame after it is ejected
• The card has been reported lost or stolen
• The account is closed.

Please call your bank’s branch or ATM Centre where appropriate for further advice.

First and foremost, you have to report the unauthorised withdrawals at any of your bank branches where you may be requested to complete a form. You are also advised to make a police report on your case. Upon completion, the branch will direct the case to your bank’s branch or ATM Centre where appropriate for further investigation. You will be duly informed on the outcome of the findings.

However, if you are dissatisfied with the findings and exhausted all available means to settle with the bank concerned, you may refer your claim to the Ombudsman for Financial Services within six months after the bank has conveyed its final decision on your case.

Yes. If your ATM card bears the logo of VISA PLUS, VISA Interlink, MasterCard Cirrus or Maestro, you will be able to access your account via ATM worldwide or make a payment of purchases at merchant outlets.

There will be a charge levied on the transaction. Cardholders are advised to check with their banks for any limitation on the use of ATM card overseas.

Please check with your bank for details.

• If retained at ATM located at your bank branches. The card can be collected at the branch during office hours.
• If retained at the off-bank ATM. The card will be retrieved and sent to your home branch for collection.
• If retained at MEPS ATM *. The card will be retrieved and sent to your bank’s branch for collection.

Please call your bank’s branch or ATM Centre where appropriate for further advice.

* Only applicable to banks with shared network.

You will be charged RM1.00 for every successful cash withdrawal performed at MEPS ATM.

• Banks will NEVER text you for your banking details under guise of wanting to update your records
• Please do not respond to such requests – do not text back – and contact your bank immediately and report the incident.

• Your bank will never call you and ask for your banking details over email or telephone.
• If this occurs, you can be certain that this is an attempt on stealing your details.
• Please contact your bank immediately if such an event happens.

• Perform your online banking services at a private place (e.g at home).
• Memorize your PIN and password.
• Never let anyone know your PIN and password.
• Do not leave your transactions or account information on the computer screen unattended.
• Do not share your Transaction Authorisation Code (TAC) with anyone.

• Phishing is an email request from a fraudster seeking your personal data including banking details.
• It is common for fraudsters to even mimic actual bank websites to trick the public into keying in their data into the false sites which can be recorded remotely and used to steal funds.