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Debit card/-i FAQ

Frequently asked questions about debit card/-i SMS transaction alerts

When will I receive SMS transaction alerts?

By default, you will receive SMS transaction alerts when the following transactions have been made with your debit card/-i:

  • First-time cash withdrawal at an HSBC/HSBC Amanah ATM
  • All purchases, including Card-Present (CP), Card-Not-Present (CNP) secure and non-3D secured online transactions
  • Cash withdrawals at overseas ATMs (only applicable for Malaysia registered mobile number)

Merchant Surcharge Feedback Form

What is the purpose of merchant surcharge feedback form?

There are some merchants who are imposing extra charges on goods or services if you pay with card. Such situation would deter consumers from using card payments. 

Lodging a feedback form will facilitate the merchant acquirers to take the necessary action to ensure that the merchants cease imposing surcharges or minimum purchase amount on payment card transactions, or to offer another electronic payment mode without surcharges or minimum purchase amount.

What would be the next step after raising the merchant surcharge feedback form?

The submitted form will be shared to merchant acquirers for feedback purpose only. This does not guarantee you will receive a refund of any surcharge paid to the merchant.

Cardholders who do not wish to pay the surcharge or abide by the minimum purchase amount imposed by a merchant are advised to purchase goods and services from another merchant that does not impose a surcharge or minimum purchase amount. 

For avoidance of doubt, your personal data will not be shared with any third party.

Where can I locate this merchant surcharge feedback form?

You may fill up the form here. Alternatively, you may also report errant merchants to BNM by visiting to access the online form. 

For further information and enquiries, please contact BNM Telelink Contact Centre at 1300-88-5465 or email to

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