ATM 卡年费免付 No Annual Fee RM8

Updated: November 11, 2017 / Home » Business and Invest » Banking

ATM 提款卡都要付 RM 8 年费吗? 我有 4 张提款卡,在我大学期间及工作期间就有了这些卡,大学期间贷款借钱 PTPTN,所以就在大学开了 Bumiputra Bank Commerce (现在称为 CIMB BANK),在 SONY 工作的时候就开了 Maybank 的户口,也拿了 Maybank 的提款卡和 Credit Card (信用卡)。

从那个时候开始,我就以为要拿提款卡就要付年费,一年的年费 Annual fee 是 RM 8 。银行的职员都是这样告诉我们,不只是我,我的弟弟或朋友都是这样被银行职员给误导了。

马来西亚每家银行都有 Basic Savings Account

原来马来西亚的国家银行 Bank Negara 有设下规定:每间银行必须提供最基本的储蓄户口,就是 Basic Savings Account (有提款卡的户口)无需付年费, NO Annual Fee 那种。

可是,很多人都不知道,而且银行的职员也告诉我们有卡都要付 RM 8。有些银行更聪明,直接给我们 Debit Card (过账卡),强制性收我们年费。我上网找了两家最大的银行。Maybank 及 CIMB,发现他们的网站都有 Basic Savings Account (NO Annual Fee),证明真的是有这样的户口。

Basic Savings Account 的限制

其实每家银行都有 Basic Savings Account 类型的储蓄户口,而且有两种选择 (option 1 / option 2) 。一种是需要 RM 8 年费,而另一种则不需要付年费。No Annual Fee 的储蓄户口,银行都会有限制提款次数,比如最多8次,当超过提款次数则每次征收服务费 RM 0.50。如果你并不是时常用 ATM 卡提款,那么你可以选择这种 Basic Savings Account。

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我有 4 张提款卡,一般只是用其中一张来提款,另外 3 张是很少用的,因此我保留一张需要 RM 8 的年费的提款卡。另外 3 张的卡,我要换去免年费的户口。如果不能换,那我只好关掉要年费的户口,开过不需年费的户口了。

马来西亚各银行 Basic Savings Account 官方网站

1. Bank Negara Malaysia 官方网站
Bank Negara Malaysia

2. CIMB Basic Savings Account 官方网站
CIMB Basic Savings Account

3. Maybank Basic Savings Account 官方网站
Maybank Basic Savings Account

4. Public Bank (PBB) Basic Savings Account 官方网站
Public Bank (PBB) Basic Savings Account

5. HongLeong Bank (HLB) Basic Savings Account 官方网站
HongLeong Bank (HLB) Basic Savings Account

CIMB 免费提款卡. NO Annual Fee for CIMB Card.

Maybank 免费提款卡. NO Annual Fee for Maybank Card

Maybank Basic Savings Account 2

39 comments on “ATM 卡年费免付 No Annual Fee RM8

  1. amelia [ Reply ]

    请问到了今时今日还有那件银行的atm卡是完全不用付年费8元加6%gst的??有些是第一年不用付,第二年就要付了> <'' 谢谢!!

  2. 请问,外国银行如:HSBC, Standard Chartered.. 有没有waiveRM8? 还是只有本国银行才no annual fee RM8?

    • Mister Leaf [ Reply ]

      除了本地银行外,外国银行也有提供 Basic Saving Account 免 RM 8 的 ATM 卡。

  3. Rourou [ Reply ]

    我前几天开了cimb户口拿到ATM卡
    隔天就被deducted RM8的annual fee了
    问题是我不提款的><
    现在才看到你的文章,叹气 D:
    请问要怎么换去no annual fee的BSA 2呢?

    • Mister Leaf [ Reply ]

      你的提款卡每年还需要被扣 RM 8. 我试过要换去 BASIC SAVING ACCOUNT 2,可是不行,得重新开过。你或许可以问问 CIMB 银行的工作人员。

      • veronoks [ Reply ]

        我刚换了去basic saving account 2 ,和银行工作人员强调不要annual fee 的,她也确定了,但是最后她给我 debit card啊。忘了问她那debit card 会不会每年扣RM8。。。。T.T 你知道吗?

        • Mister Leaf [ Reply ]

          Basic Saving Account 2 虽然没有年费,但是也有给予 Debit Card。有关的 Debit Card 是不需要给 RM 8 的。不过,你还是问清楚有关的银行比较好。

  4. ongwenpei [ Reply ]

    你好, 想请问一下bsn是不是没有这项服务啊?

    • Mister Leaf [ Reply ]

      BSN 也是有 Basic Saving Account 的。

  5. checkmate [ Reply ]

    很好的分享=)
    leaf兄,不介意我将你的文章转载于此吗?
    https://goo.gl/gU9qNQ
    有空来坐坐~

    • Mister Leaf [ Reply ]

      没问题。不过希望你可以放上我的链接以示尊重作者。谢谢啦。
      其实之前我也经常到 investalks 潜水的。呵呵。

  6. aliciasee [ Reply ]

    请问public bank的要怎么样弄啊?

    • Mister Leaf [ Reply ]

      你去 Public Bank 的银行询问 Basic Saving Account, no annual fee 那种。

  7. 凉凉 [ Reply ]

    昨天我去CIMB bank开no annual fee的 basic saving account。那个银行小姐一直不断说服我选择要付8元的那种。我才没那么傻。坚持说不!

    • Mister Leaf [ Reply ]

      哈哈。最聪明是你啦。有时我在想那些银行职员是否有抽佣金,怎么他们会要我们花钱选择要给年费的那种 basic saving account 呢?

      有谁是在银行工作的,来说明下吧。

  8. Maxloon120 [ Reply ]

    So how? can it be waive?

    • Mister Leaf [ Reply ]

      Maxloon120, yes. CIMB bank officer already told me that CIMB have the BSA(2) account. Basic Saving Account 2 not need pay RM8 yearly.

  9. black june [ Reply ]

    so bad but isee that cimb personal account is ATM card annual fee RM8 (except for Children Savings Account)

    • Mister Leaf [ Reply ]

      No, black june. You should go to the website and see, Personal banking > Daily banking > Saving Accounts > Basic Account 2 (BSA 2) which without RM 8 annual fee.

      You can try call to the CIMB, sure you will get the answer.

      • 惟忍小子 [ Reply ]

        Can I close my account in other branch, other than the branch that I open my account?

        • Mister Leaf [ Reply ]

          This one I’m not sure, suppose can, just need some extra charges.

          • 惟忍小子

            Need to find time to do this as my CIMB is still charging me RM8 every year. Seldom use it.

  10. 我的maybank是你带我去开户口的~你害我gong gong了~

    • Mister Leaf [ Reply ]

      不好意思。哈哈。当时我也不知道,我们都是被那个 Maybank 的职员给误导了。

  11. 惟忍小子 [ Reply ]

    No, my CIMB still charges me annually. I din try to waive, u can try and let me know.

    • Mister Leaf [ Reply ]

      OK. Pray for me. Let me recover soon. I m sure will let you know.

      • 惟忍小子 [ Reply ]

        I everyday pray in front of Amitabha for you…seriously

        • Mister Leaf [ Reply ]

          谢谢你。真的谢谢你。

          • 惟忍小子

            You’re welcome…

  12. Mister Leaf [ Reply ]

    walao…. I still gong gong

    • 惟忍小子 [ Reply ]

      no la…u so expert…

      • Mister Leaf [ Reply ]

        我这种是假聪明、假厉害。

        • 惟忍小子 [ Reply ]

          Better than me, I’m real stupid…

          • Mister Leaf

            你都已经 waive 掉那个 RM 8 了。我都没有,当然你比较聪明了。对了, Sony Card 可以waive 掉那 RM 50 吗?

  13. Too sad for the Public Bank ATM card.. got annual fee RM8 charge..

    • Mister Leaf [ Reply ]

      Whong, 国家银行限定每家银行都要用 Basic Saving Account (BSA), 免收年费的,Public Bank 也不例外。

      • 惟忍小子 [ Reply ]

        Yes, mostly got free one, withdraw not more than 4 times a month, also pls request to open basic islamic savings, interest higher than basic account.

        • Mister Leaf [ Reply ]

          we always pay the RM 8 before that, you didn’t pay RM 8 every year?

          • 惟忍小子

            only my CIMB kena, that time still foundation student, gong gong, dunno much about this…

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