The one I use now is the MyNews-branded one and it’s good – no RM0.50 charge for topups made at MyNews stores.Įdit: I dug out the Twitter thread about the time I lost my TnG card. Used to have a few of them until I lost all but one. Like many of you, I use Touch N Go cards. We’re not quite a true cashless society yet. I withdraw ~RM500 in cash every so often just to be safe. Related: Best Credit Cards in Malaysia: 5 Maybank Cards You Recommended #3 – Debit cardsĭebit card #2: CIMB Mastercard debit card. I’m biased, but the Maybank 2 Gold Cards mentioned above is an excellent starter credit card. Credit card #1 and #2 came together as a set.Ĭredit card #3: CIMB Cash Rebate Platinum Mastercard. Only for personal use.Ĭredit card #2: Maybank2 Gold Card Mastercard. I’m a big fan of credit card as financial tool – love the cashback, points and other perks.Ĭredit card #1: Maybank2 Gold Card Amex card. I’d say I’m fairly happy with them, but always wondered how different the experience would be with other banks. I ended up with Maybank because my parents opened up a Maybank Yippee account for me when I was in primary school, and ended up with CIMB because my university required me to have a CIMB bank account to receive PTPTN money. IMPORTANT: I did not open accounts at both banks by choice. I only add money to this account if I need to pay off my CIMB credit card. I might repurpose the last one and earmark it for travel savings or something, let’s see. I have 3 savings account in there: (1) for daily use, (2) for work/business-related transactions, and (3) the one which I’m too lazy to close down. The financial tools are arranged in this order: Also please don’t take anything here as investment advice.

Please don’t me if any of them sucks for you – they’re just the best option for my situation right now – I’m not loyal to any of them and happy to switch to better solutions as and when it suits me. So here you go – an article compiling all the financial tools I use for my own money management.

I did that list because (1) it’s good to know exactly what I have and what I use it for and (2) I don’t want to accidentally forgot about an account, which happens more often than you’d think ( that’s why there’s over RM5.77 billion in unclaimed money?). The other day I was listing out all the financial tools that I personally use for money management in my notebook, and the list got kinda long.

Personal finance software malaysia