Alliance Hybrid Standard Debit Card

• Withdraw cash locally and overseas from more than 1 million ATMs that display the MEPS or Cirrus logo.
• Accepted for payment at over 29 million MasterCard or MyDebit merchants located locally and overseas.
• Your Debit Card/Debit Card-i supports two debit card brands - MyDebit is accepted in Malaysia and MasterCard which is accepted both overseas and in Malaysia. By supporting both debit card brands, more retail outlets will accept your Debit Card/Debit Card-i for payment in Malaysia and overseas. When using your Debit Card/Debit Card-i in Malaysia a retailer may choose* to accept and process the payment using either MyDebit or MasterCard. Please be aware that you are unable to request the retailer to change the chosen Debit Card network. *This is in line with Bank Negara Malaysia’s Payment Card Reform Framework’s objective of promoting payment system efficiency by enabling merchants to reduce operational costs in using less costly debit card network to reduce pressure on retailers to increase prices to recover the higher cost of accepting payment cards.

You can conveniently check your account balance and transaction details 24 hours a day 7 days a week via;

• allianceonline
• Alliance Bank ATMs/CDMs

• A six (6) digit PIN (Personal Identification Number) is required for all payment (except for auto-debit and online) which provides better protection against fraud due to lost or stolen cards.
• You will not be liable for card-present unauthorised transactions which require PIN, signature verification or the use of the contactless Debit Card/Debit Card-i, unless you have acted fraudulently, delayed in notifying the Bank immediately in the event your Debit Card/Debit Card-i is lost, stolen or having discovered unauthorised use of your Debit Card/Debit Card-i, voluntarily disclosed the PIN to another person or any third party, recorded the PIN on your Debit Card/Debit Card-i or on anything kept in close proximity with the Debit Card/Debit Card-i, left the Debit Card/Debit Card-i or an item containing the Debit Card/Debit Card-i unattended in places visible and accessible to others or voluntarily allowed another person to use your Debit Card/Debit Card-i.
• Call us at 03-5516 9988 to block your Debit Card/Debit Card-i immediately, if your card is stolen or lost, PIN is compromised or retained by an ATM.

You will receive SMS alerts on transactions made on your Debit Card/Debit Card-i. This helps you to track movements in your account and safeguard you against any unauthorised transactions. If you wish to set a preferred threshold amount for transaction alerts, visit any Alliance Bank branch or call our Customer Service at 03-5516 9988.

Note: The transaction alert can be disabled. However, we strongly encourage you not to disable the alerts to safeguard yourself against any unauthorised transactions.

To make this request, please visit any Alliance Bank Branch or call Customer Service at 03-5516 9988.

Card-Not-Present (CNP) refers to a purchase when you make without physically presenting your Debit Card/Debit Card-i at the time of purchase @ POS terminal. All new cards issued are by default blocked from making CNP transactions.

To enjoy full payment convenience on your Debit Card/Debit Card-i, you can enable (opt-in) for the following CNP transactions and overseas transaction.

• Online transactions
• Auto Debit / Recurring transactions
• MOTO

Kindly take note that there is a risk for fraudulent transactions if your account data is compromised.

How to opt-in

1. Via Branch - Submit opt-in request using Service Request Form (SRF) via CRM (TAT 3 days) or
2. Via Contact Centre - Call 03-5516 9988 (TAT immediately)

Note: You can disable (opt-out) via the same channels.

Your Debit Card/Debit Card-i can be used CIRRUS symbol on it can be used to withdraw cash at any overseas ATM that displays the CIRRUS logo

How to opt-in

1. Via any Alliance Bank ATM or
2. Via Contact Centre - Call 03-5516 9988

You will be liable for unauthorised card-present transaction(s) which require PIN and signature verification or use of your contactless Debit Card(s) if you have:

• acted fraudulently;
• delayed in notifying the Bank immediately after having discovered the loss or unauthorised use of your Debit Card/Debit Card-i;
• voluntarily disclosed PIN to another person;
• recorded the PIN on your Debit Card/Debit Card-i, or on anything kept in close proximity with the Card;
• left your Debit Card/Debit Card-i or an item containing the card unattended in places visible and accessible to others; or
• voluntarily allowed another person to use your Debit Card/Debit Card-i.

1. Abide by the Terms and Conditions for the use of Debit Card/Debit Card-i.
2. Take reasonable steps to keep your Debit Card/Debit Card-i and PIN secure at all times, including at your place of residence. These include not:
   1. Disclosing your Debit Card/Debit Card-i details or PIN to any other person,
   2. Writing down the PIN on your Debit Card/Debit Card-i, or on anything kept in close proximity with the card,
   3. Using the PIN selected from your birth date, identity card, passport, driving license or contact numbers, and
   4. Allowing any other person to use your Debit Card/Debit Card-i and PIN
3. Notify the Bank as soon as reasonably practicable after having discovered that your Debit Card/Debit Card-i is lost, stolen, an unauthorised transaction had occurred or your PIN may have been compromised.
4. Notify the Bank immediately upon receiving short message service (SMS) transaction alert if the transaction was unauthorised.
5. Notify the Bank immediately of any change in your contact number.
6. Use your Debit Card/Debit Card-i responsibly, including not using your credit card for unlawful activity.
7. Check your account statement and report any discrepancy without undue delay.