UPDATE: Sending the application form using snail mail and courier service requires different address. Check the correct address to use below.
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If your credit card or debit card doesn’t allow PayPal withdrawal, you may want to apply for a Public Bank Visa Electron debit card. I called up Public Bank’s customer service and was told that it will take at least three weeks before your debit card will be approved. That is very long so I asked him if there were “any other ways” to get it done faster.
He literally “lighted up” and told me there was. He sounded so cheerful and happy I thought that whatever method he was going to teach me would involve bribing or some other illegal means. I was wrong.
He helpfully told me that getting the Visa electron debit card approved is a very easy process. You can actually get it approved within a week or so, provided that you followed his advice and rushed the Public Bank’s staffs. So, here are the steps.
Step 1: Go to your nearest Public Bank branch and ask for the Visa Electron debit card application form. Grab the form and leave while smiling to the beautiful lady behind the counter. Fill up the form (of course, duh!).
Step 2: Photocopy the front and back of your IC. Cross it out and state that it is for Public Bank use only. That way, it won’t be misused for other illegal purposes.
Step 3: Write a check payable to “Public Bank Berhad“. The amount should be at least RM25. Write your full name and IC number behind the check. If you do not have a check book, don’t worry. Just send the application form and your photocopied IC. They will provide you with a bank account where you can transfer the money into later.
Step 4: Send your application form, photocopied IC and check (if any) to the address below. To shorten the time needed for the delivery, I will be sending it using overnight postal service like ABX Express.
If you plan to send using overnight courier service (eg. ABX Express, NationWide express, etc), send it to the following address:
Public Bank Credit Card Centre
10th Floor, Menara Public Bank
146, Jalan Ampang
50450 Kuala Lumpur
If you are sending using normal snail mail, send it to this address:
Public Bank Card Services
10th Floor, Menara Public Bank
146, Jalan Ampang
P.O. Box 11722
50754 Kuala Lumpur
Note: The address was given to me by the call centre staff and matches the address given in the Public Bank website. However, the address printed at the bottom of the application form shows that the postcode is 50754 instead. I will send it to the address above.
Step 5: Phone 03-21768000 to ask if they have received your application form. Tell them to process your application ASAP because it is urgent.
It will take at least 5 working days for your application to be approved. Phone them on the fifth day to check your application status again.
Your Visa Electron application should be approved within 7 working days (the quickest) if there are no other problems. I will be sending mine tomorrow.
* If you find this article useful, please share it. Thanks! *
wow….so desperate to withdraw? I am going to ask Public Bank how they came to the RM value they credited to my account. Wondering what are the extra charges besides forex.
Do you mean no matter how we appy the card, we need to send the application form to Card Centre, including the usual and unusual way to complete the application?
How could the exactly same address has different postcode? Could it be possible that the staff give you the wrong postcode?
@Malcolm
If I am not mistaken, PayPal charges $5 per transaction and that’s it. Not sure if the bank charges anything else apart from the Forex though.
Quite desperate actually. Need the money to buy a Nikon D40x.
@KennyP
I don’t know if we must send the application forms in ourselves. I think we don’t need to. You can submit the form at your local branch and they will send it to KL (I think). I think if you send it through your local branch, it will take longer.
At first I thought the staff gave me wrong postcode as well but I checked the PB website under “contact us”, the postcode given by the staff matches the postcode in the website. Gleneagles Intan hospital is just across the road and the hospital’s postcode is the same (50450).
I just found out that postcode is a P.O box address, so it should be alright
7 working days? sure or not? i submitted the application form at the branch, they told me it will take around 1 month for me to receive the card wor… they also didn’t ask me to pay RM25 wor.. hmmm….
no charges if u withdraw from public bank atm, first yr annual fees waive, subsequent yr need to pay RM24.
I have a faster way, I wrote it on my blog and sent you a trackback.
You can skip step 1 to step 3 by submiting your application form on public bank’s website, http://www.pbebank.com/en/features/applyDCard.jsp?website=PBEBANK
@KennyP
Yeah, I called them again and was told there are two addresses to send to. If you want to send using snail mail, send it to the P.O. box. If courier service then send it to the first address that I gave. The details are updated in the post.
Cool, I didn’t know they have an online application form. However, in the form they require us to send our photocopied IC. Not sure if we still need to do that for the online application.
@Jys
According to the guy on the phone, he said the fastest it can be approved is 5 working days + delivery time. However, there is no guarantee. All accounts need to have a minimum balance of RM25 at all times. So, you either pay when applying or after that I am sure you need to as well.
The RM24 yearly fee will be discounted if you use your card to pay for things in that year. Eg:
1) RM300-600 discount 25% (pay RM18)
2) RM600-900 discount 50% (pay RM12)
3) RM900-1200 discount 75% (pay RM6)
4) more than RM1200 discount 100% (free)
After you submit the online application form, you will need to print out a paper called, “PB Card Online Application Customer Copy”, just sign on paper and put this together with your photocopied IC in the envelope.
Yesterday I sent my application with Poslaju to the first address you provided, luckily it’s not wrong even after you update your information.
@KennyP
Oh, that is good. Hopefully we can get it approved quick. Unfortunately, I called up customer service yesterday but they said my application still haven’t entered into the system. Public holiday is coming and I am not sure how long more will it take.
I sent my application form yesterday and tried to call the card center just now, you know what they told me?
I asked whether they receive my form, they called me to wait for one week of working days because their system do not has the data now.
OMG
@KennyP
Hmmm…I called them yesterday and the girl said maybe next week because now near raya etc. She sounded damn pissed off. Damn different attitude compared to the guy I talked the other night. Now I am thinking if I should try out Al Rahji but you pointed out some hidden charges etc. I just need my card quick, really quick.
hey just want to inform you, I’ve add a link to this post on my blog!!!
@darren
Thanks.
can i apply direct to the bank
@yuki
Yes.
how about RM24 application fee? Where and when to send app.fee ? And I don’t have a checkbook .
Please help me
THANK YOU .
@ponna
The annual fee is RM24 but the first time fee is at RM25. Don’t worry if you don’t have a checkbook. Just send in your application form without the check. After they process your application, you will receive a letter from them asking you to bank in the RM25 into an account.
although i dont have an PB account, but is it meaning that once i apply the visa electron card, it also create an account at the bank
@jacky
If you apply for the visa electron card, you will have an account for the visa electron debit card with Public Bank. However, savings account is not automatically created. It is a different account. You will need to apply for the savings separately.
if me as a student..can i apply this card????if can please send te reply……
mikey is you over 18 of age u are eligable to apply…
but I have my own question.
can a BANKRUPTCY person apply this?????????
If i have credit card already,can i apply Pb credit card fastly ?
@Vincent
I don’t think it will speed up the application process. You’ll need to check with the Public Bank staff on this though.
Really need to submit a copy to them? I mean apart from the online application… If yes, can I send through fax? Another thing is, where should I sign on the paper? There’s no place for me to sign. The only place I see for signature is under To Be Complete By Parents. I’m over 18 by the way. Before I forgot, under the term, I suppose to include only my NRIC right?
@Orceanus: It’s been over a year since I applied for the Public Visa Electron card so things may have changed. Back then, I wasn’t aware of an option to fax instead of sending through mail. Yes, you’ll only need a photocopy of your NRIC (front and back).
If you have access to a checkbook, write a check of RM25 to the them as well. If you don’t, skip it. They will send you a bank account number later where you can transfer it to them later.
Is most of the public bank operate half day on Saturday now ?
their web site doesn’t look like up to date,
I call the customer service they told me that for new card application, I need to get it from nearest branch, if want them to mail it to me, then I will need to write a letter to them and tell them to mail it to my home address.
1 more question, after I get my card number, and I bank in an amount via pbeonline, what I need to do for next ?
thank you
@yong
You can try apply online, after filling the online form, you need to sign and submit the customer copy with the required information. And there is no need to appeal to them to send it directly to your mailbox since there is an option in the application form. After you get your card, if you choose to received the card through mailbox, you need to wait for the next letter for the pin number to use your card as an atm card for cash withdrawal.
@yong
It depends on what you want to do. Are you using this card for PayPal withdrawals? If so, you’ll need to transfer at least RM35++ (or more) into the debit card. RM25 is the minimum deposit for the card, and some extra for PayPal to charge your card for verification process. If I am not mistaken, it is USD1.95?
Wait for the first statement to get the verification code and enter into the PayPal system.
@Orceanus
My debit card application has been approved, and I already bank in money to that card, anyway, thanks for your info
@TenthOfMarch
yup, I’m using it to verify my paypal account, so even I got the I’ll still need to wait for the first statement to get verified?
@yong
For security reasons, you are required to enter a PIN number before you are considered verified by PayPal. PayPal will charge a sum of USD1.95 (I think) to your debit card. When you receive your first statement, the description of the charge will contain the PIN number required to enter into the PayPal system.
It may take a week or two for the statement to arrive. After that is done, you are good to go.
hye there, i just apply through online application and tomorrow i will send the form to public bank office together with my i/c fotocopy. still i’m so confuse which post code need to be use as in my application form i’ve printed it is 50754. but when i read your explanation above you use 50450. help me pls..
and one more, in this application form, the place where need signature is when you applicant is under age (12-18 years old). as for me i am above 18, so where should i sign in that form? i am so confuse too..
please advise me to use which address to send my application form via PosLaju..the first address without P.O.Box or the second address with the P.O.Box ? which one better and faster? thanx..
@miss: Does Post Laju require a signature from their staff upon receiving? If it doesn’t, you can send it to their P.O. Box. If it requires a signature, you have to send it to the address WITHOUT a P.O. Box.
Please call Public Bank’s customer support and make sure you applied using the correct online application form.
hi how re you?tenthofmarch is who re you?
I want apply Debit card credit visa Electron for paypal, how to apply debit card credit? Do bank public serious want to document for payslip,3 months work and EPF any? i havent checkbook account in public bank so how?
I lives from ipoh. Can any choose public bank for apply debit card credit? How long get debit card credit?
when i’m trying to submit the application of PB Visa electron, it state that :
Sorry, please try later.
Error Message: java.io.FileNotFoundException: /opt/SUNWwbsvr/docs/email_cnt/hitcount.txt (Permission denied)
.. i tried so so many times in man days… but it still same.. not working… anyone could help me ? is it have problem with my computer or what ?
hai, can anyone tell me is this pb visa electron can be use to pay ebay seller fees or not?
i have some problem to pay ebay seller fees because i did’t get my card credit yet, if anywant that have credit card can help me, what i mean is i want to borrow money from your credit card, and i’ll pay you back with the transaction charge using maybank2u transfer or paypal..i need this urgent..
now, also available for UTAR DEBIT card….Is it can use for PayPal…coz it is waive for lifetime
@milicia: You will have to try it out as I have not.
Ok here’s a question. I’ve applied at a local branch. They didn’t ask for any fees or anything. They told it’ll be finished within around two weeks. Do I need to create a seperate account if I want to use it for paypal withdrawl or the card alone is sufficient? Also how do I deposit money into the cardif I don’t have an account? This is confusing kind of.
@JK:
When your application has been approved, they will send you a letter informing you. If I remember correctly, the instructions to pay the minimum RM25 is included in the letter. You’ll need to send a check or money order to them.
You don’t need a separate account to withdraw from PayPal. The debit card is all you need. However, if you want to do online banking, such as transferring cash from and into your debit card to a personal savings account, you will need to apply for a savings account as well.
To deposit cash into the card, just go to an Cash Deposit machine. Put your debit card in it, select “credit card payment” or something similar. Treat it as if you are trying to pay off your credit card, but instead, that transaction will add money into your Public Bank debit card.
Good luck.
Hi,
I also just about to apply this debit card but I got some questions;
1-Does this card has expiration date like credit card? And what I should do when my card has expired? Do I need to apply for new card?
Thanks!
@junz:
It does have an expiry date just like a normal credit card. I assume you’ll have to renew it once it expires.
hey how come when i call public bank main branch (ampang) when they ask me for my ic no. they say havent get my form yet..many times already. Its been 3-4 days now since i applied at my nearest branch
@martin
Your local branch probably have not sent in the registration form to the main branch in Ampang yet. Happened in my case as well. I doubt they send the forms every day.
I submitted my application form last Mon via Poslaju. I’ve confirmed that the form was delivered & acknowledged by someone at PBB on the very next day.
However, when I called to check on the status today, the person told me there’s still none of my application record in their system. She told me that data updating will normally need 2 weeks time & approval process will need another 2 weeks time. I double confirm with her whether this is their ‘NORMAL’ process, she said ‘YES’.
Does anyone facing the same situation as me?? Your card really approved within 7 working days??
If I dont have my own checkbook, can my mom issue a check for the payment to Public Bank Berhad for my own application?
WIll the bank accept the check?
@shanaz AL: Yes, they should accept.
Hi there,
I already applied for PB debit card and has received the card safely. My problem is they don’t ask me to send the money at all. They just ask me to signing on the reverse of the card. Do I need to wait for the other letter? The one with PIN number? Is it like that? TY.
Thanks.
But according to the instructions in the Online application, they don’t require us to send the check, so I’ll just follow that and wait for the reply?
@ai chan: I believe you can go to a cash deposit machine, reload your debit card and start using it. You can also reload the card from your online banking account if you have linked them together. You will need the PIN number that will be arriving in the second mail if you want to withdraw money using the debit card from an ATM machine.
@shanaz AL: They may have changed the procedure or something. I had to send a check when I applied for my card. I’d say just follow the instructions in the online form. Good luck.
“linked them together”? Is this mean we need current account of PB?
Oh.. I has reload the card already. Where can i check the balance?
How to start using it? We need to verified the card first right? I’ve tried 2 times to verify via PB website it but failed.
Um.. i’ve tried one more time and now my account was locked. T.T
What should I do?
@ai chan: I don’t remember needing to verify the card with Public Bank. You need to reload “enough” cash into the debit card to get it verified with PayPal. RM50 should be safe enough. PayPal will charge your card something like USD1.95 with the pincode stated on the statement. You will need to wait for the printed statement to get that code.
Are you saying that your debit card account is locked? You should contact Public Bank’s customer service to find out the next step then. “linking them together” was referring to a Public bank savings account, debit card and online banking.
Hi there,
Thanks for the info on how to apply for PB visa election.
I just received my card but not in 7 days though, they took like 3 and a half weeks to process mine even though I follow the procedures you shared….and I sent in by courier which took only one day to arrive. My application
must have gone on a grand tour around the building before it got to the right person!!!!
Anyway, do u have any idea if I can use the vs electron card to do foreign transmittance like crediting a forex trading account? Normal TT would cost about RM30+. I heard that with PBe internet Banking, it’s much cheaper so I wonder if the visa electron card can do as the internet
banking method.
Erm..Can I ask you?If I got Public Bank Savings Account…and I apply this debit card,I just swipe the card and it will deducted from my savings account??
@Saw: It doesn’t work that way. If you applied for a online account and link up your debit card and savings account, you can then “recharge” (reload) your debit card by transferring money from your savings account into your debit card. Your debit card has its own balance and is not linked to your savings account.
Another way to reload your debit card is to “make a payment” for your debit card account using the cash deposit machine.
Can international students apply for the debit card??….i really need to buy stuff online…..guitar software and all…..any help will be much appreciated…thanks
my debit card account is locked when i want verified my debit card. i think maybe that problem was because i active it more that 3 time. so can i solve that problem by internet or other way.
thanks
i got apply for the debit card but cause the card and the password will send separately and now i already go to study and cant go bank to take the password…what need to do?
apply public bank credit card how many salary wanted?????
I had received few sms regarding my PB credit card on failed delivery and ask me to call 0321768100 if it is so.I took great effort to call many many times but that phone always on engaged tone, why why that kind on services available at PB. I really can’t believed this could happen at PB.please give a prompt reply ASAP.
JUST to inform you that I did NOT received that card!!!!!!!!!!
where can i take the formof apply debit card? all branches?
The information on how to get the approval for Public Bank Visa Electron debit card is simply mind blowing! Great post with informative tips! Thanks for sharing your experience with us!