CIMB Online Banking

[HIDDEN]

If you go to Batu Ferringhi post office.  As you face it, two doors along on the right is a little mini-mart up some steps.  We bought two in there.

[HIDDEN]

OK, wheels are starting to turn.
So far today I have received an email to say that my problems are solved, and a phone call inviting me to the bank tomorrow to finalise the paper work.

Quote:

I refer to our phone conversation yesterday, regarding the overseas mobile number registration for TAC. Thank you for your patience and understanding, and for giving us another opportunity to respond to your request.

We are pleased to inform you that having received the documents from you, we have updated our records and registered your mobile number for TAC. You may now proceed to use the services available on CIMBClicks for your banking needs. Our Relationship Manager, Ms ....................., will follow up with you on the signing of the form, for our records.

We appreciate the time you have taken the share your feedback with us, about the registration process, and would like to apologise for the inconvenience caused. Your input will give us the opportunity to review our existing process, and make the appropriate changes, in order to serve you better. We have conveyed your feedback to the relevant department, and we will be responding to you in a separate email.

In the meantime, please feel free to contact me at 03............... if we can be of further assistance.

We wish you a pleasant stay in Penang.

Unquote:

So, we will see what happens with my Relationship Manager tomorrow.

Cheers & Beers, JAYDEE

[HIDDEN]

Final update on CIMB banking online. It still stinks, but not so much anymore.

The system works, albeit an archaic system similar to the belt & braces principle.

The bank has accepted my Australian mobile phone for receipt of TAC (Transaction Authorisation Code) and completing my ability to pay bills online.

A bill was paid by this method at the bank, and I paid another bill when I arrived back home.
The TAC takes about 25 seconds to come through and is valid for two hours only.

The bill I paid at home was the electricity bill which my conscierge was going to pay with my cheque, tomorrow on his day off.
But they came to cut off my power unless I paid an outstanding amount by 3:00 PM today. I paid the bill online and tore up the cheque that I had already given the conscierge.

Anybody else out there who wants to push the envelope about online banking with CIMB Bank should go ahead and do so.
The doors have been opened to get some Customer Service instead of Lip Service, although I am still waiting to hear from the Head of Retail Banking.
Cheers & Beers,
JAYDEE

[HIDDEN]

hi, jaydee,

Thanks for the details.

In lieu of CIMB Internet Banking you'd given your conscierge a cheque to bank in. Then you'd got through and tore up the cheque.

For me it didn't work. I was in Singapore, and with the 5 hours to receive the TAC, valid 2 hours from sending NOT receipt, then CIMB Internet banking meant phoning a friend in Malaysia and asking them to go a bank and make a payment. I got through to the friend's Malaysian number Ok and toot sweet.

It would be funny if it wasn't so stress-making, time-consuming and irritating.     

[HIDDEN]

Scott,

I have been trying to sort this out since mid-June, and it has been difficult, but the ends have been achieved.

I just don't like the answer, NO.

I will be back in Australia for two weeks, so I will test the system out when I am back there. That will be the real litmus test.

Cheers & Beers, JAYDEE

[HIDDEN]

Hello all,

I am not a CIMB client so this information may not apply to their online banking procedures.

I am with Maybank and use Maybank2U online banking regularly both in and outside Malaysia.

They have a similar TAC requirement, but you can set up a list of favourite payee corporations and then do not need a TAC. I have TNB, PBA and Indah Water listed so this covers most regular payments. Initial setup needs a TAC, so may be difficult if you are outside Malaysia and without a Malaysian SIM card.

If I remember correctly you would also need to set up e-payments with the utility companies in order to see your bills online. With Indah water you need to know the bill number as well, and if the system is still the same, you have to phone them your email address to receive payment details.

Alistair (currently in Spain, back to Penang in October)

[HIDDEN]

hi,

Another nail in CIMB's crappy online banking coffin. If you want to do certain transactions, and you have a joint account, then you won't be able to do them.

Some transactions, for example setting-up an FD, are not allowed for joint accounts. I found this out the usual way. I'm in Singapore and want to set-up an FD and . . . can't do it, not allowed.

I telephoned CIMB online and they said, yep you can't do it. I asked why and the answers were, in the order received from the same person, (a) Islamic Account ?, (b) need both signatures (yep, were are talking online banking and the CIMB Helpdesk here), and (c) it's not allowed.

I finished this telephone call pointing out that when I opened the online facility the bank staff knew it was a joint account and they didn't hint, or give a clue, that certain transactions weren't allowed. I guess they didn't know.

On the whole, CIMB Clicks seems to work best if you're in Malaysia, next door to a CIMB branch, and it's open.   

[HIDDEN]

Hello all,

I am not a CIMB client so this information may not apply to their online banking procedures.

I am with Maybank and use Maybank2U online banking regularly both in and outside Malaysia.

They have a similar TAC requirement, but you can set up a list of favourite payee corporations and then do not need a TAC. I have TNB, PBA and Indah Water listed so this covers most regular payments. Initial setup needs a TAC, so may be difficult if you are outside Malaysia and without a Malaysian SIM card.

CIMB system works in exactly same way - U need stupid TAC only once - when U add new payee.

Routine payment (to existing payee) is pretty straightforward and doesn't require TAC.

[HIDDEN]

CIMB have added a device to generate a TAC. I am more familiar with this approach. However, they talk about resyncing if I am in a different time zone? I use these types of devices, ie DBS has a similar looking one and I don't need to resync it (it just works). Has anyone got one? And have they been able to pick it up at their branch? And used it from a different time zone? My guess is that you have to already have a mobile with TAC access to order this? Red only

http://www.cimbclicks.com.my/mfa-newtac.htm

TAC on Device
     
1.    How do I obtain a device?
     If you are an existing/newly registered CIMB Clicks customer, you can purchase the device by logging on to www.cimbclicks.com.my and by clicking “Purchase Device” below the TAC on Device menu. The device will be delivered to you if your address matches the address that we have in our system. In the event that the address does not match, your application will be rejected and a refund will be credited into your account.

Steps to purchase the device:

    Login to CIMB Clicks
    Go to Homepage > TAC on Device > Click on Device Purchase
    Select the debiting account, key in your address and click Submit
    Verify the given information
    Key in the TAC from the chosen TAC method and confirm.

Please take note on the delivery period. If you do not receive the device within the stipulated period, kindly call the Customer Care hotline.
     
2.    Do I need to pay for the device?
     Yes, you will need to purchase the device. Each device is priced at RM65.00.
     
3.    How do I activate the device?
     To activate your Device, follow the steps below :

    Login to CIMB Clicks
    Go to Homepage > TAC on Device > Click on Device Activation/Deactivation
    Click on Activate Now link
    Key in your device Serial ID (at the back side of your device)
    Press the button at your device to retrieve the TAC
    Then choose the TAC method and Submit

Please note that you can only activate and deactivate of the device once. For second time activation/deactivation, you will need to call Customer Care hotline to assist.
     
4.    How do I deactivate my device?
     To deactivate your Device :

    Login to CIMB Clicks
    Go to Homepage > TAC on Device > Click on Device Activation/Deactivation
    Click on Deactivate Now link
    Key in the TAC from the chosen TAC method and Submit

     
5.    What should I do if my TAC is not accepted?
     For security reasons, your TAC is unique to the transaction and is valid for a certain period of time. If you input an expired TAC, you will receive an error message. Please press the grey button on the device to obtain a new TAC to complete the transaction. If the problem persists, you may need to synchronise your device again.
     
6.    Why do I need to synchronise my device again? How do I do that?
     You need to re-sync your device to avoid any potential transaction failures. This needs to be done if you had received an error message after keying in your TAC. You are advised to re-sync in order to ensure your TAC is synchronised with your transaction.

To synchronise your Device again:

    Login to CIMB Clicks
    Go to Homepage > TAC on Device > Click on Device Resynchronization
    Key in the Serial ID
    Key in your device Serial ID (at the back side of your device)
    Press the button at your device to retrieve the first TAC. Press the button again to retrieve a second TAC. Then click Submit.

     
7.    What should I do if my device is lost or damaged?
     You can deactivate your device at CIMB Clicks. Alternatively,you can call our Customer Care hotline at 1 300 880 900 or 603-2295 6100 if you're overseas (24 hours daily, including holidays).
     
8.    I travel frequently. Can I use the device to perform transactions while overseas?
     Yes. You need to ensure that the date and time of your device is in synch with the present date and time zone. This means that you will need to re-sync the device. The device has been designed to be small, light and easily transportable. If you typically use CIMB Clicks from more than one location, we suggest that you attach your device to an item that you always carry e.g keys, mobile phone, briefcase, etc.
     
9.    Can I have more than 1 device?
     For increased protection, only one device can be activated to one User ID at any time. Every device is unique and cannot be duplicated. A user can only have one device to access their account and only one device can be linked to a CIMB Clicks User ID at any time. This will prevent fraudsters from obtaining additional devices to access unauthorized accounts.
     
10.    Can I share the device?
     No, you are not permitted to share the device.
     
11.    What colours are available for the device?
     There is only one colour available for now – red.
     

[HIDDEN]

I've got one of the DBS red gizmos.  Seems to work OK.  I didn't know about the CIMB device... TAC to phone seems to work alright so that will do me.  The trouble with all these devices is that you need to remember where you've put them.

[HIDDEN]

The resync:

"  I travel frequently. Can I use the device to perform transactions while overseas?
     Yes. You need to ensure that the date and time of your device is in synch with the present date and time zone. This means that you will need to re-sync the device. The device has been designed to be small, light and easily transportable. If you typically use CIMB Clicks from more than one location, we suggest that you attach your device to an item that you always carry e.g keys, mobile phone, briefcase, etc."

I don't get this, unless when you enter the TAC, the web interface validates against the local date and time of the PC/laptop and therefore they have to have the TAC device resynced or, I guess I could set the PC/Laptop to Malyasian date and time, and that would mean it was in sync? - temporarily, till i put it back to local time zone. Dunno, any ideas?

Max

[HIDDEN]

hi,

Last week in Singapore I returned the CIMB token as it didn't work, again. This is a CIMB Singapore account, and I was using CIMB Clicks in Singapore.

It's the 3rd distinct time that the token has refused to give a number over a period of maybe 12 months. It needed re-setting I was told, same as last time, but what's the point if it needs to be taken to a bank to re-set on the few occasions that I use it. I reasoned that I might as well just not have the token.

I switched to mobile TAC. And with the proviso that CIMB does not use the mobile number for it's own advertising, or sell the number to someone else.

[HIDDEN]

Been pondering whether to bother at all with a local account (e.g. non HSBC) for some time and at the moment can't really see any benefit, merely factoring another organisation into my financial profile, another avenue for things to go wrong and another set of accounts to monitor.

Of the main banks here from what I've seen Maybank seems to suit any needs I MAY have better.  Several people though have said 'avoid', suggesting CIMB instead.  CIMB however seems to be just as much of a disaster.

[HIDDEN]

I have only a little experience of CIMB (non of MayBank) and they seem ok. I like the web interface, the list of suppliers i can pay bills thru etc (maybe i can start paying AirAsia in RM rather than having conversions from AUD) and strangely the passbook - I haven't had one of these since my 20's. I would like the TAC sorted out, as I envisage using it from Australia on occasion. I will give the TAC device a go and see what happens.

I tried opening an account with HSBC Premier in GT. I was left alone for so long, I had turned the lounge into my mini office. Nice RM eventually came, and broke my absorbed state - but no account. At CIMB I was successful

Max

[HIDDEN]

hi,

I've posted quite a bit about my experiences with CIMB. I could probably sum it up as nice and helpful folks in the branches, dodgy and iffy practices. 

The latest is change of address.

4 months ago I asked my branch to transfer my address to Penang and send all correspondence there. It didn't happen so I go in again and sign another 3 forms, one for each account and another one for an FD account. Mail was still was arriving in Perak so I go in again and sama sama.

Some statements and regular monthly stuff started to arrive in Penang, some of it, others were missing. This week I go to CIMB in Penang and they pull up a copy of my account and it's still got the Perak address. I've signed another form.

Penang CIMB didn't need a form for each account as it says on the form "tick to change all accounts." I didn't see that and neither did the Perak CIMB staff.

That'll be 4 tries at changing a correspondence address.