FAQs

etc.BLACK

1

What is etc.Black Mastercard Prepaid Card?

etc.Black Mastercard Prepaid Card is an exclusive brand with a product & solution line-up developed for the use of all eligible individuals as the future digital payment lifestyle where users can also access their account via the etc.Black mobile App to perform bills and payments transaction, online money transfer, account maintenance, balance check, transaction history and reload.

2

How do I apply for the etc.Black Mastercard Prepaid Card?

For employers and users who are interested in applying for etc.Black Mastercard Prepaid Card can do so by contacting us at +603-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my.

3

When can I use my etc.Black Mastercard Prepaid Card?

Once you have completed the etc.Black Mastercard Prepaid Card activation, which will include the e-KYC process and approval (subject to BAYO’s review). After you have reloaded your etc.Black Mastercard Prepaid Card, you are able to use the Card at any available merchants and Mastercard supported ATMs that are registered with Mastercard.

4

How can I activate my etc.Black Mastercard Prepaid Card?

You can activate your etc.Black Mastercard Prepaid Card by registering through the etc.Black mobile app, which includes the e-KYC process. The card will be activated within 2 to 5 working days, subject to BAYO’s review and approval. The etc.Black mobile app is available for download from the Google Play Store, Apple App Store, and Huawei AppGallery.

5

Where can I use my etc.Black Mastercard Prepaid Card?

The etc.Black Mastercard Prepaid Card is accepted at all Mastercard merchants locally and internationally. You can perform online and retail transactions as well as cash withdrawals at any ATM registered with Mastercard.

6

Can I use my etc.Black Mastercard Prepaid Card at a petrol station’s self-service kiosk?

Yes, you can use the etc.Black Mastercard Prepaid Card at the petrol station’s self-service kiosk. However, a pre-authorization of RM200 will be withheld from the balance of the Card until the actual amount is received from the acquiring bank. To avoid the amount being withheld via pre-authorization, you just need to pay at the cashier where the exact purchased amount will be deducted from your Card.

7

Can I use my card overseas?

To use your card for international transactions, you are required to enable your card from your etc.Black Mobile App to accept international transactions. To do so:

  1. Login to your etc.Black Mobile App.
  2. Select the ‘Account’ icon.
  3. Select the ‘Manage Limit’.
  4. Activate Overseas Transactions by ‘toggle to right’.

You may contact Bayo Customer Service as well at +603-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my.

*By enabling the acceptance of oversea transactions, it may increase your exposure to fraud risk.

8

How to withdraw money from an ATM ?

  1. Insert your etc.Black Mastercard Prepaid Card into the ATM card reader. Once the machine reads your card, choose your preferred language on the screen.
  2. Enter your PIN number securely.
  3. Select the type of transaction type you would like to make (in this case is Withdrawal).
  4. Choose the ‘Credit Card’ type and enter the amount you wish to withdraw.
  5. Collect your cash.
  6. Select the option if you want a printed receipt of your transaction after collecting your Card.

**Please note: The daily withdrawal limit is RM3,000.00, subject to the limit set by the bank.

9

How do I reload my etc.Black Mastercard Prepaid Card?

You can reload your etc.Black Mastercard Prepaid Card by logging in to etc.Black mobile app and performing a reload via online banking (FPX), or via salary deposit by the employers for foreign workers with no local bank account.

10

What is my maximum reloading limit?

Your approved card limit (Wallet size) is RM10,000. You may reload up to a balance of RM10,000 in your Card at any one time and are subject to a daily reload limit of RM20,000.

11

Are there any monthly and annual transaction limits for wallet usage?

There are monthly and annual transaction limits as follow:

  • Monthly transaction limit imposed in any one (1) calendar month.
  • Annual transaction limit imposed every twelve (12) calendar months.
Transaction Type Maximum Amount
  • Reload (All Channels)
  • Purchases (Online and offline)
  • ATM Withdrawal
  • P2P Fund Transfer
  • Bank Transfer
  • MBSB Virtual Account

  • Monthly Limit : RM30,000.00

  • Annual Limit : RM150,000.00
12

What are the fees and charges that I have to pay?

The fees and charges applicable to the etc.Black Mastercard Prepaid Card are as follows:

Type of Fees and Charges Fees and Charges (RM)
Reload Fee FPX No Charge
ATM Cash Withdrawal Fee (via Mastercard network enable) Within Malaysia RM1.00 per transaction
ATMs Overseas RM10.00 per transaction
Currency Conversion Fee (for purchase/withdrawal in foreign currency) Network charges
Card Replacement Fee RM15.00 per card (Not applicable for fraud/counterfeit)
Cross-Border Transaction Fee (for purchase via merchants outside Malaysia but charged in Ringgit Malaysia) 0.5% + network charges
Sales Draft Retrieval Fee RM15.00 per sale draft
Hard Copy of Statement Retrieval Fee RM5.00 per document
SMS Notification Fee (SMS sent as requested by customer) RM0.20 per SMS
13

How do I view my card transaction history and balance?

You may view your transaction history and balance in etc.Black mobile App.

  1. Login to your etc.Black Mobile App.
  2. Tap on the ‘Transaction’ tab.
  3. Go to ‘Transaction History’ to view your past transactions.
14

What should I do if my etc.Black Mastercard Prepaid Card is lost, stolen, or if there is an unauthorized transaction?

You must immediately temporarily block your etc.Black Mastercard Prepaid Card or contact Bayo customer service at +603-76215151 or chat via WhatsApp at +6010-7814930 upon discovering that your Card is lost, stolen, or if there is an unauthorized transaction. Bayo Customer Service’s working hours are operating from 8.30a.m. to 11.00p.m. on Monday to Friday and 8.30a.m. to 12.30p.m. on Public Holidays, Saturdays, and Sundays.

15

How to temporarily block my etc.Black Prepaid Mastercard Card?

  1. Login into your etc.Black mobile App.
  2. Go to ‘Account’ Tab.
  3. Under ‘Freeze Card’, toggle the switch to the right to temporarily block your card.
16

How can I get a replacement card?

You can apply for a replacement Card by contacting our Customer Service via calls at +603-76215151, chat via WhatsApp at +6010-7814930 or drop an email to support@bayo.my. The replacement process might take up to 10 working days.

17

Will my existing balance be transferred to my replacement card?

Yes, your existing balance will be transferred to your replacement Card within 5 working days from the issuance date of your replacement Card.

18

How can I terminate my etc.Black Mastercard Prepaid Card?

If you wish to terminate your etc.Black Mastercard Prepaid Card, please contact Bayo Customer Service at +603-76215151 during our working hours.

19

How can I terminate a deceased family member’s etc.Black Mastercard Prepaid Card?

We’re very sorry to hear of your loss. To terminate a deceased family member’s etc.Black account, we’ll need you to provide documentation confirming that you are an immediate family member or executor of the account holder, as follows:

  1. Relationship with the account owner.
  2. Certified true copy of either a grant of probate or letter of administrations by the deceased successor(s).
  3. Executor or administration’s bank account number.
  4. Executor or administration’s bank name.
  5. Certified true copy of the administrator or executor’s NRIC.
  6. Certified true copy of the death certificate.

Upon completion of all the required documents above, kindly proceed to submit the request at support@bayo.my or call us at +603-76215151.

20

When can I get the refund of my balance in etc.Black Mastercard Prepaid Card?

The balance in your etc.Black Mastercard Prepaid Card will be refunded to you within 14 days from your termination date. The balance will be credited to your bank account (maintained with a local bank), which you have provided to us. No refund will be processed if the card is terminated due to fraudulent or suspicious activities.

21

What should I do if I have a transaction dispute on my etc.Black Mastercard Prepaid Card?

In the event of any dispute for unauthorized and error transactions, you need to inform Bayo in writing within 14 days from the date of the transactions. Failing which, the transaction shall be deemed true and accurate where you are considered to have accepted the transaction as final and conclusive.

22

Can I use my prepaid card for contactless retail payment?

Your prepaid card is enabled with a contactless feature. For first-time usage, you are required to slot your card into the merchant point-of-sales (POS) terminal and enter your PIN to activate the contactless feature.

23

Can I disable contactless payment on my prepaid card?

If you wish to disable contactless payment on your etc.Black Mastercard Prepaid Card, you can reach out to Bayo Customer Service at +603-76215151 during our operating hours.

24

What are the contactless transaction limits on my prepaid Card? How can I reduce these contactless transaction limits?

Your prepaid card has a default contactless transaction limit of a maximum of RM250 per transaction and a daily cumulative limit of RM500. Please use a Chip & PIN to perform transactions above these limits. You may reduce these limits by contacting Bayo Customer Service at +603-76215151 or chat via WhatsApp at +6010-7814930 during our operating hours.

Bank Transfer

1

How do I access the Bank Transfer feature?

Bank transfer is available via the etc.Black mobile App. To go to the Bank Transfer simply follow these steps:

  1. Login to your etc.Black mobile App.
  2. Select the ‘Bank Transfer’ icon.
  3. Select the ‘New Bank Transfer’
  4. Select Bank Name from the bank list provided.
  5. Enter the Bank Account Number and the amount you want to transfer.
  6. Fill up the recipient reference.
  7. Select ‘Confirm’.
  8. You will be prompted to insert your 6-digit transaction PIN.
  9. Upon successful transaction, you will be directed to the ‘Successful’ page that shows details of your payment and the option to share Receipt.
2

Is it possible for me to transfer funds to another individual’s bank account?

Transfers are only allowed to own bank accounts in Malaysia. Please ensure the bank account details provided are accurate and match the records at the bank.

3

How do I get proof of transaction after completing a transaction?

Upon successful transaction, you will be directed to the “Successful” page that shows details of your payment and the option to share the Receipt.

4

How do I check the status of my transfer?

Successful transactions will be displayed on your Transaction History. To check your transfer status, all you have to do is tap on ‘Transaction’ to view your transaction history.

If your transaction is not reflected in the Transaction History page, but the amount has been deducted from your account, please contact our Customer Support Hotline at +603 7621 5151 for further assistance.

5

What will be shown on the beneficiary bank statement after a successful transaction?

You will see our service provider, Leanis Solution SD in the transaction description in the beneficiary bank statement.

6

How do I add my favourite account?

  1. Select ‘Save as favourite’ once you fill in the transaction details.
  2. Confirm your transaction to complete your transaction.
  3. Your transaction details will be saved as Favourite. While transacting, tick ‘Save as favourite’
  4. Account recipients will be saved as Favourite upon completion of transaction

Marketplace

1

How do I access the Bill Payment?

Bill Payment is available via the etc.Black mobile App. To go to the Bill Payment simply follow these steps:

  • Login to your etc.Black mobile App.
  • Select the ‘Marketplace’ icon.
  • Under the ‘Explore’ option, click ‘See All’ within the Bill payment section.
  • Select biller from the list.
  • Enter the billing information required and the amount you want to pay.
  • Select ‘Next’.
  • You will be prompted to insert your 6-digit transaction PIN.
  • Upon successful transaction, you will be directed to the ‘Successful’ page that shows details of your payment and the option to share the Receipt.
2

What kind of information will be needed when I make a payment?

Each biller requires different information. You may check the information needed when you select your biller. Please ensure that the bill details are entered correctly before submitting your payment.

3

Can I pay bills on behalf of others?

Yes, you can pay bills for others if you have their billing details.

4

Are bill payments processed on the same day?

Not all payee corporations process payments daily. Therefore, to avoid late payments, it’s best to make your payments in advance as required by the payee corporations.

5

Is Bill Payment easily accessed?

Bill Payment is available 24/7, and you can pay from anywhere. All you need is internet access.

6

Is there any service charge using the Bill Payment?

No, Bayo does not impose any fee for using this feature.

7

Why can’t I pay my bill?

There are several possible reasons why you may be unable to make a bill payment, including:

  • Your etc.Black mobile App might not have sufficient funds. If so, please top up your etc.Black mobile App first before attempting your bill payment.
  • You might have entered the wrong billing details. Kindly check and confirm all the details on the confirmation page before proceeding with the payment.
  • There might be an error in your mobile operator’s system at that moment. You may try again in an hour or so.
  • There might be a connectivity issue with the utility service provider’s system. You may try again later.

If the issue persists, please contact Bayo Customer Service at +603-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my.

8

What should I do if my payment failed but the money was deducted?

The money will be refunded within one (1) business day. You can check your payment and refund status in the “My Purchase” tab under the Marketplace. If you did not receive the refund, please contact Bayo Customer Service at +603-76215151, chat via WhatsApp at +6010-7814930 or email support@bayo.my

9

If I overpaid my bill or made payment to the wrong account, can I request a refund?

Once a transaction has been successfully paid to the biller, a refund is not possible on our side. You may contact the biller to request a refund. Thus, it is important to ensure that you enter the correct billing details.

10

How do I view my previous bill payment transaction?

You can retrieve your last 10 bill payment transactions history through the Marketplace page by following these steps:

  1. Login to your etc.Black mobile App.
  2. Click on the ‘Marketplace’ Icon.
  3. Select ‘My Purchase’ and your bill payment transaction history will appear.
11

How do I add my bill account number as a favorite list?

You will need to proceed with the payment first. After successful payment, click on the “Add to favourite” button. Enter your desired biller and then click “OK”. A new favourite list will be added to your Marketplace page under the “My Favourite” section.

12

How do I delete my favourite list when it is no longer needed?

Select the account that you want to remove, then select the “Dustbin” icon at the top right side of the screen, select “Continue” and the selected favourite list will be removed.

13

Can I still make a payment if my bill is overdue?

Yes, you can still pay for overdue bills.

14

What are the products available in the Marketplace ?

  • Bill payment
  • Mobile Top-up
  • Games
  • Vouchers
  • e-Wallet Top-up
15

What is the difference between Pin Top-up & Pinless Top-up?

Pin top-up is an option where users can purchase a mobile top-up with the predefined amount provided, whereas a Pinless top-up is an option where users can purchase a mobile top-up or pay the postpaid bill with a variable amount.

16

What are the services provided for the gaming product in the Marketplace ?

We offer recharge and credit online purchase for gaming sites and online game platforms such as Mobile Legend, PUBG, Free Fire, Steam and others.

17

What are vouchers?

Vouchers are digital products that you can purchase on etc.Black mobile App, where you can redeem for goods and services from other platforms or physical stores.

18

Where can I purchase vouchers?

etc.Black mobile App offers two types of vouchers: Digital Voucher and In-Store Voucher. You may follow the steps below to browse the available selection:-

  • Login to your etc.Black mobile App.
  • Select the ‘Marketplace’ icon.
  • Under ‘Explore’ option, you may choose your preferred voucher type: Digital Voucher/In-Store Voucher
  • Select merchants from the list.
  • Enter the amount you want to purchase.
  • Select ‘Next’ and ‘Proceed’.
  • You will be prompted to insert your 6-digit transaction PIN.
  • Upon successful transaction, you will be directed to the ‘Successful’ page that shows details of your payment and the option to share the Receipt.
19

How do I access the voucher that I have purchased?

Go to the ‘Marketplace’ icon and click on ‘My Purchase’. All of your purchased vouchers will be displayed here.

20

How do I redeem the voucher?

To redeem the voucher you purchased, follow these steps:-

  1. Login to your etc.Black mobile App.
  2. Select the ‘Marketplace’ icon.
  3. Go to ‘My Purchase’.
  4. Click the ‘View Order’ option for the voucher that you have purchased.
  5. Follow the instructions stated under ‘Info’ section.
21

Can I reload my Touch n Go via etc.Black mobile App?

This feature can be located in the ‘Others’ section under the ‘Marketplace’ tab. You can reload Touch n Go via etc.Black mobile App. There are two methods available for you to reload.

Touch n Go – Pin Touch n Go – Pinless

You have to key in the 10-digit PIN manually in your Touch n Go account.

The reload amount will be directly credited into your Touch n Go account.

*Before proceeding with the purchase, make sure that the mobile number linked to Touch n Go is entered correctly.
22

Where can I get the Touch n Go PIN that I purchased?

To redeem the voucher you purchased, follow these steps:-

  1. Login to your etc.Black mobile App.
  2. Select the ‘Marketplace’ icon.
  3. Go to ‘My Purchase’.
  4. Click the ‘View Order’ option.

Remittance

1

What is a remittance service?

It is a service that is offered via partnership with MoneyMatch Sdn. Bhd. (“MoneyMatch”) a licensed money service provider. The service is incorporated into etc.Black mobile App that enables users to send money to beneficiaries in other countries.

2

Who is eligible to use the remittance service?

All etc.Black mobile App users are eligible to use the service.

3

Are there any charges applicable for the remittance service?

You may refer to the table below for the transaction fees: –

Corridors Currency Service Fee (“RM”)
INDONESIA IDR 10
MYANMAR MMK 12
BANGLADESH BDT 10
NEPAL NPR 10
INDIA INR 12
PAKISTAN PKR 15
PHILIPPINES PHP 12
CAMBODIA USD 18
SAUDI ARABIA SAR 30
SRI LANKA LKR 12
LAOS USD 30
THAILAND THB 15
UNITED STATES USD 18
AUSTRALIA AUD 20
BRUNEI BND 20
SINGAPORE SGD 25
SOUTH KOREA KRW 10
4

What are the minimum and maximum amounts that can be remitted?

The minimum amount that you can remit per transaction is RM50. The minimum and maximum amount stated is inclusive of the service fee.

Kindly refer to the table below for the maximum amount: –

Per Transaction Limit (RM) Daily Limit (RM) Monthly limit (RM) Yearly Limit (RM)
5,000 5,000 5,000 60,000

*Bayo reserves the right to revise or amend the abovesaid limits on a case-to-case basis at its sole discretion.

5

How do I access the remittance service?

You may find the remittance service by the following:

  1. Login to your etc.Black mobile App.
  2. Select the ‘Payment’ Icon.
  3. Choose ‘Send Money’.
  4. Click on ‘Remittance’.

Please note: You may be required to fill in some details before proceeding with the remittance service.

6

What is the conversion rate applicable under the remittance service?

Exchange rates will be displayed on the remittance page before making the transfer. Once you finish creating an order, we will lock the exchange rate for a fixed period. You will receive the same rate as long as your payment is indicated/reflected in our account within this fixed period. The same agreed rate will be reflected on your dashboard and remittance receipt.

7

To which country can I remit money?

Below is the list of countries where you can send remittance: –

Australia AUD
Bangladesh BDT
Brunei BND
Cambodia USD
India INR
Indonesia IDR
Laos USD
Myanmar MMK
Nepal NPR
Pakistan PKR
Philippines PHP
Saudi Arabia SAR
Singapore SGD
South Korea KRW
Sri Lanka LKR
Thailand THB
United States USD
8

Can I cancel the transaction?

Once you have created an order and made the payment, you will not be able to cancel the order from your end.

9

How long will it take for my money to reach the recipient?

It generally takes 1-2 working days to reach your recipient. The time it takes depends on the currencies involved, bank holidays and weekends in both the sending and receiving countries.

10

How long does it take to refund?

Refunds will be processed on a business day. In the event your refund request is allowed, the funds after deductions (if any) will be refunded to your etc.Black e-Wallet. While we endeavor to process the refunds as soon as possible, it may take up to 14 working days from the date of the occurrence of unsuccessful remittance transactions.

11

Will I receive a full refund of my money?

Refund will be subjected to the following: –

Refund with fee
  • If the error key in by Bayo/payout partner
  • If the transaction failed to be executed by the payout partner
Refund without fee
  • If the error is made by the customer
  • If customer requested for reversal
12

What is IFSC Code?

If you are sending money to India, you are required to enter the IFSC code. You may search the bank code here. (However, do double check with your beneficiary before remitting funds.)

13

What is BDT Routing Number?

If you are sending money to Bangladesh, you are required to enter the Routing Number. You may search for the routing number here. (However, do double check with your beneficiary before remitting funds.)

SecureTAC – In-App Approval

1

What is SecureTAC ?

SecureTAC is an in-app approval feature used to verify and authorize online card transactions. It helps protect your account by ensuring that only you can approve payments.

2

When is SecureTAC required?

SecureTAC is required only for online card transactions, such as e-commerce purchases using your card. There is no minimum amount.

3

When is SecureTAC NOT required?

SecureTAC is not used for any payments made directly inside the app. Payments such as wallet top-ups, bill payments in-app, remittance, and bank transfers continue using the existing Mobile Pin or standard flow.

4

I didn’t receive SecureTAC for my online card transaction. What should I do?

If you do not receive your SecureTAC, please ensure that your internet connection is stable, app notifications are enabled, and you are logged in on your registered device. If the SecureTAC is still not received, please contact Bayo Customer Service immediately at +603 7621 5151, chat via WhatsApp at +6010 781 4930 or email to support@bayo.my.

5

I received a SecureTAC request I did not make. What should I do?

If you received a SecureTAC request that you did not make, do not approve it. Please contact Bayo Customer Service immediately at +603 7621 5151, chat via WhatsApp at +6010 781 4930 or email to support@bayo.my.

Cashback and Rewards Program

BPSB reserves the right, to amend this frequently asked question (“FAQ”), the transactions eligible for earning points, the number of Rewards Points required to redeem Rewards, as well as the procedures in making the redemption.

Amendments to these FAQs shall be posted on BPSB’s website, etc.Black mobile App for reference.

1

Can you tell me what the “Cashback and Rewards Program” is all about?

This Loyalty Points feature in etc.Black mobile App is introduced to allow users to earn points and redeem points for Cashback.

The four (4) main components of this feature are as follows: –

  1. Earn Points – Earn points by performing selected Card & Wallet transactions.
  2. Redeem Points – Redeem Cashback that will be credited into your etc.Black mobile App.
  3. Mobile e-Wallet App – Manage your Cashback within the etc.Black mobile app.
  4. Points History – Check your points earnings and redemption history.
2

How does Loyalty Points work?

The Cashback and Rewards Program is a points-based program for users to earn points which translates into a cashback reward.

Currently, you will be able to earn points by performing the following payment transactions: –

Transaction Types Points Awarded
Spend using your etc.Black Mastercard Prepaid Card. RM 1 spent = 1 point
Performing Remittance via etc.Black mobile Ap. RM 1 spent = 1 point
Paying your bills and utilities via etc.Black mobile App. RM 1 spent = 1 point

The following transactions are not eligible to earn points: –

  1. Cash Withdrawal;
  2. Wallet Reload; and
  3. Peer-to-peer (P2P) / Send Money.

You shall be notified of other loyalty points campaigns from time to time.

3

What can I do with the points collected?

Once you have collected a minimum of 2000 points, you may redeem it for cashback. The conversion rate for redemption is 2000 points = RM1.00 cashback (rounding to the nearest cents). The following will be the formula of points conversion.


The point redeemed / 2000 points = Cashback amount.


Example 1:

If you redeemed 2010 points, you would get RM1.00 cashback.

Calculation: 2010 / 2000 = RM1.005.

Thus, your cashback value received is RM1.00 (rounding to the nearest cents)


Example 2:

If you redeemed 2014 points, you would get RM1.01 cashback.

Calculation: 2014 / 2000 = RM1.007.

Thus, your cashback value received is RM1.01 (rounding to the nearest cents)

4

How can I redeem the points?

You can redeem it by logging in to etc.Black mobile App and click on the Payment Menu and select ‘Loyalty Points’ or ‘Points Redemption’ page, and then ‘Enter the points that you wish to redeem’. Once you have successfully redeemed, the cashback will be credited immediately into your etc.Black mobile App.

5

Is there any cost involved?

No. The feature is currently Free of Charge.

6

Who is eligible to earn and redeem points?

The registered Users with Active account status are eligible for the Loyalty Rewards Program

7

Will I get my points immediately after making a purchase?

The points will be awarded to you at the time of the successful transaction via etc.Black mobile App, while points for spending using the card will be awarded once the settlement has been presented by the merchant which normally takes around one (1) week or more.

8

Where can I check my points balance, transactions, and expiry?

You can view your points balance, transactions history and expiry by logging in to etc.Black mobile App by clicking on Payment menu and selecting Loyalty Points.

9

Is there any expiry date to my Loyalty Points?

Your points have a maximum validity period of one (1) year and six (6) months. The frequency of expiry is two (2) times a year, on every 30th June and 31st Dec.


For example:

  • Points earned from 1st Jan 2022 to 30th June 2022 will expire on 30th June 2023.
  • Points earned from 1st July 2022 to 31st Dec 2022 will expire on 31st Dec 2023.
10

Can I transfer my points to someone else?

No. Loyalty points are non-transferable.

11

Can I cancel my redemption?

The redeemed loyalty points cannot be cancelled and are non-refundable.

12

If I close my account, will the points still be available?

The loyalty points earned shall be forfeited and are not redeemable if your account(s) has been blocked, closed, canceled, or terminated.

13

What will happen if my points show a negative balance?

For negative points balance (points shown in bracket), your future points earned will be deducted from the negative balance and you can only redeem it again after you have collected sufficient points for redemption.

14

In what situation will my points show a negative balance?

The negative point balance will happen when you redeem points, and a refund happens after your redemption. The system will auto-reverse the collection points for the refund transaction.

MBSB Bank Virtual Account Number

1

What is MBSB Bank Virtual Account Number?

MBSB Virtual Account Number is a channel which allows you to reload or transfer funds into your card through online bank transfer.

2

How does the MBSB Bank Virtual Account Number work?

You can use the Virtual Account Number to transfer funds from your bank account to your etc.Black Mastercard Prepaid Card, similar to a regular bank account.

3

How to apply for the MBSB Bank Virtual Account Number?

An MBSB Virtual Account Number will be provided after you successfully registered for etc.Black Mastercard Prepaid Card. You can view your MBSB Bank Virtual Account Number in your etc.Black mobile App within 2-3 business days after your registration has been approved.

4

Where can I see my MBSB Bank Virtual Account Number?

Your MBSB Bank Virtual Account Number is shown in your etc.Black mobile App. You may follow these steps to retrieve your MBSB Bank Virtual Account Number:

  • Login to your etc.Black mobile App.
  • Select the “Dashboard” or “Account” tab.
  • Choose either to copy or to share the MBSB Bank Virtual Account details.
5

Why can’t I see my MBSB Bank Virtual Account Number after registration?

Your MBSB Bank Virtual Account Number will be reflected in your etc.Black Mobile App within 2-3 working days after your registration is approved.

6

What are the minimum and maximum amounts that can be credited through MBSB Bank Virtual Account Number?

There is no minimum amount set by Bayo. Please refer to the table below for the maximum amount limits. Please note that the minimum and maximum amount are also subject to the limits set by the sender’s bank.

App Size Per Transaction Limit (RM) Daily Limit (RM)
Approved Card
(Wallet Size RM 10,000)		 10,000 20,000

*Please take note that you should not transfer funds where your e-wallet balance would exceed your wallet size

7

When can I expect the funds to be credited to my card once the transfer is initiated?

Transfer Day Transfer Time Funds Crediting Into Your Card
IBG DuitNow
Business Days (Mon-Fri) Before 5:00pm Same business day 1 – 2 minutes
After 5:00pm Next business day
Non-Business Days (Saturday, Sunday and Selangor Public Holidays) Anytime Next business day

Note: For the unsuccessful Interbank GIRO transaction that was performed on the same day by 5:00 pm, the customer will receive the funds on the next business day, under normal circumstances.


Note: IBG transactions will not be available from 1:00 AM to 5:00 AM. Transactions initiated during this period will be processed starting from 5:01 AM onwards.

8

What are the limitations or restrictions that apply to the MBSB Bank Virtual Account Number?

Cheque deposits and cash deposits are not supported at the moment.

9

Are there any fees or charges for using the MBSB Bank Virtual Account Number?

No, there are no fees or extra charges associated with using the MBSB Bank Virtual Account Number. It is provided to our customers as a free service to facilitate convenient and secure transactions.

10

What should I do if I have questions or issues on how to use the MBSB Bank Virtual Account Number?

Kindly contact Bayo Customer Service Department at +603-76215151, chat via WhatsApp at +6010-7814930 or email to support@bayo.my for any clarifications related to MBSB Bank Virtual Account Number.