HSBC Online Banking failed

There are always a bug or two on websites, but somehow the online banking is always very annoying. The other day I wanted to use HSBC credit card to pay electrical bill (which is Tenaga Nasional Berhad bill), but somehow the HSBC Malaysia online banking failed me. See how it happen.

Background:
I already have a saving account with HSBC and has been using the online banking with HSBC for a few years. Recently there was a credit card promoter (employed by the bank) managed to sell the MPower VISA Platinum credit card to me. That is under the HSBC's Islamic section. The good thing about HSBC is that they automatically connect this credit card to my already existed HSBC Malaysia online banking account. Unlike some other Malaysian local banks which need you to apply for link the credit card to online account. I wanted to use the credit card to pay utility bills because of the cash back feature on this card. Another reason is because OCBC, but that is another story.

Anyway here is why HSBC Malaysia Online Banking failed:

I login into HSBC online banking account. Since there is no payee being added under the credit card account, so step one is to add the payee:


Next step is to search for the utility company, which is Tenaga National, the major provider of electricity for the peninsular of Malaysia.


OK, add in the account number of the utility bill.


HSBC security code from the dongle is required, as usual.


Yeah, payee added



Now, click 'pay a bill' from the last picture, where is the payee that I just added?


Because I thought I might be wrong during adding payee, so I repeated for a few times, but i still get no payee for paying from credit card.


Okay, now i revert back to pay bill using saving account.


Huh? Why all of the payee being added to the saving account and not for credit card?

Another epic fail by the bank.

HSBC failed!


Another online banking failed?
OCBC
more to come......



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OCBC Online Banking Failed

I like to do a lot of things online. Banking, transfer fund, pay bills, buy stuffs, file tax and renew passport, etc etc. Yes, I wrote a post on renew passport online, check out the link here:
http://outdatedpenanguncle.blogspot.com/2012/03/how-to-renew-malaysian-passport-online.html

At the other day, I wanted to pay my wife's insurance premium (Great Eastern Life/GEL). I remember OCBC Malaysia Internet Banking has that service, or at least I  saw it on OCBC Malaysia Internet Banking website. And thinking of to utilize my OCBC credit card that offer cash back on any purchase, I would save a few RM from the premium payment.

So I login to OCBC Malaysia Internet Banking website, add the Great Eastern Life as my payee. After successful add it, I want to pay for it. Therefore click on "Bill Payment" -> To Owner Account Registered Payee". Huh? Why it is not there, I can see only the electricity bill which I added earlier.

So I go back to my payee list to check again. Click on "View/Delete Payee", the GEL is there. Okay, go back to "Bill Payment" -> To Owner Account Registered Payee", still not there.

Okay, try Non Registered Payee. "Bill Payment" -> To Non Registered Payee". I can see GEL can be pay.


So I click next, but I get this:

I can't proceed somehow, if you read the snapshot carefully, at last line, it says "Only Available for Credit Card Holders (1075)". HUH? If it is available for credit card only, why I still can pay for it?

Alright, time to talk to real people. Call up OCBC, after explaining my problem, the phone banking personnel told me that GEL payment only available for customers with saving or checking account only. Why I asked. She said it is GEL's policy, they only accept payment from saving or checking account. Then I suggest them to fix their website, or at least let customer know upfront that GEL payment only available for blah blah blah only. She told me that she will note this down. However I am not sure how long for them to fix it, one week, one month, one quarter or one year?

Please OCBC, other banks will list down clearly which payee can be pay by credit card and/or saving/checking account, example Standard Charted:

It is so clear that only deposit (saving/checking) account that can pay these few payee. So customers will not be confused.

At the end, I have to pay through Public Bank, because Standard Charted cannot pay to GEL. Btw, I can pay using my Public Bank credit card.


Another thing that bug me is that GEL is now part of OCBC, so why I can't pay using OCBC credit card?

OCBC, please fix this.



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