{"id":3110,"date":"2025-05-31T21:42:27","date_gmt":"2025-05-31T13:42:27","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3110"},"modified":"2025-05-31T21:42:27","modified_gmt":"2025-05-31T13:42:27","slug":"%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e6%9c%8d%e5%8a%a1%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/31\/%e5%a4%96%e5%9b%bd%e4%ba%ba%e5%a6%82%e4%bd%95%e4%bd%bf%e7%94%a8%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e6%9c%8d%e5%8a%a1%ef%bc%9f\/","title":{"rendered":"\uc678\uad6d\uc778\uc740 \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc11c\ube44\uc2a4\ub97c \uc5b4\ub5bb\uac8c \uc774\uc6a9\ud560 \uc218 \uc788\ub098\uc694?"},"content":{"rendered":"<p>\ub9d0\ub808\uc774\uc2dc\uc544\uc5d0\uc11c \ud604\uc9c0 \uacb0\uc81c \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud558\ub294 \uc678\uad6d\uc778(\ub9d0\ub808\uc774\uc2dc\uc544 \uc2dc\ubbfc\uc774 \uc544\ub2cc \uacbd\uc6b0)\uc740 \uc2e0\ubd84\uacfc \uccb4\ub958 \uae30\uac04\uc5d0 \ub530\ub77c \uc801\uc808\ud55c \uc635\uc158\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \uad6c\uccb4\uc801\uc778 \uac00\uc774\ub4dc\ub77c\uc778\uc740 \uc544\ub798\uc640 \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n<h3>I. \ub2e8\uae30 \ubc29\ubb38\uac1d(\uad00\uad11 \ube44\uc790 \uc18c\uc9c0)<\/h3>\n<ol>\n<li>\n<p><strong>\ud604\uae08 \ubc0f \uc2e0\uc6a9\uce74\ub4dc<\/strong><\/p>\n<ul>\n<li>\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc \uad6d\uc81c \uc2e0\uc6a9 \uce74\ub4dc \uad8c\uc7a5(\ub300\ubd80\ubd84\uc758 \uac00\ub9f9\uc810\uc5d0\uc11c \uc0ac\uc6a9 \uac00\ub2a5)<\/li>\n<li>\ub9d0\ub808\uc774\uc2dc\uc544 \ub2ec\ub7ec(RM)\uc758 \uacf5\ud56d\/\ub3c4\uc2dc \ud658\uc804, \ube44\uad50 \ud658\uc728\uc5d0 \uc720\uc758\ud558\uc138\uc694.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc804\uc790 \uc9c0\uac11(\uc608: \ub3c8)<\/strong><\/p>\n<ul>\n<li><strong>Touch 'n Go \uc804\uc790\uc9c0\uac11<\/strong>(\uac00\uc7a5 \uc77c\ubc18\uc801\uc73c\ub85c \uc0ac\uc6a9\ub428):\n<ul>\n<li>\ud3b8\uc758\uc810\uc5d0\uc11c \uc5ec\uad8c\uc73c\ub85c \uc120\ubd88\uce74\ub4dc \uad6c\ub9e4 \ubc0f \ub4f1\ub85d\ud558\uae30<\/li>\n<li>1\ud68c \ucda9\uc804 \ud55c\ub3c4 RM1,000, \uc794\uc561 \ud55c\ub3c4 RM5,000<\/li>\n<li>\ub77c\uc790\ub2e4\/\uc1fc\ud53c \ub4f1\uacfc \uac19\uc740 \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c \uc9c0\uc6d0<\/li>\n<\/ul>\n<\/li>\n<li><strong>GrabPay<\/strong>::\n<ul>\n<li>\uad6d\uc81c \uc2e0\uc6a9\uce74\ub4dc\ub97c \ubb36\uc5b4 \ud0dd\uc2dc\/\ud14c\uc774\ud06c\uc544\uc6c3 \uc11c\ube44\uc2a4 \uc774\uc6a9\ud558\uae30<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ud574\uc678 \uacb0\uc81c<\/strong><\/p>\n<ul>\n<li>\uc774\uc81c \uc77c\ubd80 \uc1fc\ud551\ubab0\uc5d0\uc11c Alipay+\/\uc704\ucc57\ud398\uc774\ub97c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ud574\uc678\uc5d0\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ube45\ud398\uc774 \uc120\ubd88\uce74\ub4dc(\uc5d0\uc5b4\uc544\uc2dc\uc544 \uc0b0\ud558)\ub97c \uc774\uc6a9\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>II. \uc7a5\uae30 \uccb4\ub958\uc790(\ucde8\uc5c5\/\ud559\uc0dd \ube44\uc790)<\/h3>\n<ol>\n<li>\n<p><strong>\uc740\ud589 \uacc4\uc88c \uac1c\uc124<\/strong><\/p>\n<ul>\n<li>\ud544\uc694 \uc11c\ub958: \uc5ec\uad8c + \uc720\ud6a8\ud55c \ube44\uc790 + \uc8fc\uc18c \uc99d\uba85 + \uc7ac\uc9c1 \uc99d\uba85\uc11c \/ \uc785\ud559 \ud5c8\uac00\uc11c<br \/>\n-\ucd94\ucc9c \uc740\ud589: \uba54\uc774\ubc45\ud06c\/CIMB(\ub9ce\uc740 \uc9c0\uc810), RHB\/\ud64d\ub989\uc774 \ud559\uc0dd\uc5d0\uac8c \ub354 \uce5c\uc808\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uace0\uae09 \uc804\uc790 \uacb0\uc81c<\/strong><\/p>\n<ul>\n<li>DuitNow \uc740\ud589 \uac04 \uc774\uccb4 \uc2dc\uc2a4\ud15c: \uba3c\uc800 \ub9d0\ub808\uc774 \uc740\ud589 \uacc4\uc88c\ub97c \uac1c\uc124\ud574\uc57c \ud569\ub2c8\ub2e4.<br \/>\n\ud604\uc9c0 \ud734\ub300\ud3f0 \ubc88\ud638\ub85c \ubd80\uc2a4\ud2b8 \uc804\uc790\uc9c0\uac11 \ub4f1\ub85d \uac00\ub2a5, \uacf5\uacf5\uc694\uae08 \uacb0\uc81c \uc9c0\uc6d0<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>\u26a0\ufe0f \uc54c\uc544\uc57c \ud560 \uc911\uc694 \uc81c\ud55c \uc0ac\ud56d \u26a0\ufe0f<\/h3>\n<ul>\n<li>\ubaa8\ub4e0 \uae30\ub2a5\uc744 \uac16\ucd98 \uc804\uc790\uc9c0\uac11\uc740 MyKad ID \uce74\ub4dc \uc18c\uc9c0\uc790\uc5d0\uac8c\ub9cc \uc81c\uacf5\ub429\ub2c8\ub2e4.<\/li>\n<li>Maybank\uc758 MAE\uc640 \uac19\uc740 \uc571\uc740 \ud604\uc9c0 SIM \uce74\ub4dc \ud65c\uc131\ud654\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc640\uc774\uc988\/\ub808\ubcfc\ub8e8\ud2b8 \ubc0f \uae30\ud0c0 \uad6d\uc81c \ub3c4\uad6c\uc758 \ucd9c\uae08\ub960\uc740 \uc57d 1%-3%\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>\ud83d\udca1 \uc2e4\uc6a9\uc801\uc778 \uc870\uc5b8\ud83d\udca1<\/h3>\n<p>- \ud658\uc804 \uce74\uc6b4\ud130\uc640 SIM \uce74\ub4dc \ud0a4\uc624\uc2a4\ud06c\ub294 KLIA \uacf5\ud56d \uc785\uad6d\uc7a5 \uce35\uc5d0\uc11c \uc774\uc6a9\ud558\uc2e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n- \ud30c\ube4c\ub9ac\uc628\/KLCC \ubc0f \uae30\ud0c0 \ub300\ud615 \uc1fc\ud551\ubab0\uc5d0\uc11c\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc720\ub2c8\uc628\ud398\uc774 \uce74\ub4dc\ub97c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n- \uc13c\uc11c \uc5c6\ub294 \uace0\uc18d\ub3c4\ub85c \uacb0\uc81c\uac00 \uac00\ub2a5\ud55c TNG RFID \uc2a4\ud2f0\ucee4<\/p>\n<p>\uccb4\ub958 \uae30\uac04\uc5d0 \ub530\ub77c \ub2e8\uae30 \uc5ec\ud589\uc758 \uacbd\uc6b0 '\ud604\uae08 + TNG \uc804\uc790\uc9c0\uac11', \uc7a5\uae30 \uccb4\ub958\uc758 \uacbd\uc6b0 \uc740\ud589 \uacc4\uc88c \ub4f1 \ud50c\ub79c\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uace0\uc561 \uad6c\ub9e4\uc758 \uacbd\uc6b0 \ud658\uc804 \uc218\uc218\ub8cc\uac00 \uc5c6\ub294 \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>\ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc11c\ube44\uc2a4\ub97c \uc0ac\uc6a9\ud558\ub294 \uc678\uad6d\uc778\uc744 \uc704\ud55c \uace0\uae09 \uac00\uc774\ub4dc<\/strong><\/h3>\n<h4><strong>C. \uc2dc\ub098\ub9ac\uc624\ubcc4 \uad8c\uc7a5 \uacb0\uc81c \ubc29\ubc95<\/strong><\/h4>\n<ol>\n<li>\n<p><strong>\uc77c\uc77c \uc18c\ube44\ub7c9(\ucf00\uc774\ud130\ub9c1\/\ud3b8\uc758\uc810)<\/strong><\/p>\n<ul>\n<li>\ud604\uae08(RM): \uc18c\uaddc\ubaa8 \ubca4\ub354, \uc57c\uc2dc\uc7a5\uc740 \uc5ec\uc804\ud788 \ud604\uae08 \uae30\ubc18\uc785\ub2c8\ub2e4.<\/li>\n<li>\ud130\uce58 \uc564 \uace0 \uc804\uc790\uc9c0\uac11: 7-11, KK\ub9c8\ud2b8 \ubc0f \uae30\ud0c0 \uccb4\uc778\uc810\uc5d0\uc11c \ucf54\ub4dc \uc2a4\uc715 \uacb0\uc81c \uc9c0\uc6d0<\/li>\n<li>\uadf8\ub7a9\ud398\uc774: \uc77c\ubd80 \ub808\uc2a4\ud1a0\ub791\uc5d0\uc11c\ub294 \uadf8\ub7a9\ud478\ub4dc\ub97c \ud1b5\ud574 \uc8fc\ubb38 \ubc0f \uacb0\uc81c\uac00 \uac00\ub2a5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc6b4\uc1a1<\/strong><\/p>\n<ul>\n<li><strong>\ud130\uce58 \uc564 \uace0 \uce74\ub4dc(\uc2e4\ubb3c \uce74\ub4dc)<\/strong>\uc9c0\ud558\ucca0(MRT\/LRT) \ubc0f \ubc84\uc2a4\uc5d0 \ud544\uc218\uc801\uc774\uba70, \uc5ed\uc774\ub098 \ud3b8\uc758\uc810\uc5d0\uc11c \ucda9\uc804\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ud0dd\uc2dc\/\ub80c\ud130\uce74 \uc7a1\uae30<\/strong>\ubc88\ub4e4 \uad6d\uc81c \uc2e0\uc6a9\uce74\ub4dc \uc790\ub3d9 \uc774\uccb4\ub85c \ubc88\uac70\ub85c\uc6b4 \ud604\uae08 \ud658\uc804\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc628\ub77c\uc778 \uc1fc\ud551 \ubc0f \uad6c\ub3c5 \uc11c\ube44\uc2a4<\/strong><\/p>\n<ul>\n<li>Lazada\/Shopee \uc628\ub77c\uc778 \uc1fc\ud551: \ud604\uc9c0 \uc740\ud589 \uce74\ub4dc\ub97c \uc5f0\uacb0\ud558\uac70\ub098 TNG eWallet\/BigPay\ub97c \uc0ac\uc6a9\ud558\uc5ec \uacb0\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n<em>\ub2e4\uc74c \uc0ac\ud56d\uc5d0 \uc720\uc758\ud558\uc2ed\uc2dc\uc624.<\/em>\uc77c\ubd80 \ud488\ubaa9\uc740 MyKad \uc0ac\uc6a9\uc790\ub9cc \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uc608: \uc120\ubd88 SIM \uce74\ub4dc).<\/li>\n<li>\ub137\ud50c\ub9ad\uc2a4\/\uc2a4\ud3ec\ud2f0\ud30c\uc774 \uad6c\ub3c5 \uc2dc \uc9c0\uc5ed \uc81c\ud55c \ubb38\uc81c\ub97c \ud53c\ud558\uae30 \uc704\ud574 \uad6d\uc81c \uc2e0\uc6a9\uce74\ub4dc\ub97c \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ud574\uc678 \uc1a1\uae08 \ubc0f \uc218\ub839<\/strong><\/p>\n<pre><code>\ud504\ub85c\uadf8\ub7a8 \ube44\uad50:<br>\r\n1\ufe0f\u20e3 Wise (\uc774\uc804 TransferWise) \u2192 RM \u2194 FX \ud658\uc804\uc744 \uc704\ud55c \ucd5c\uc801\uc758 \ud658\uc728!<br>\r\n2\ufe0f\u20e3 BigPay \u2192 \uad6d\uc81c \uc1a1\uae08\uc774 \uac00\ub2a5\ud558\uc9c0\ub9cc(IBAN \ud544\uc694) \uc778\ucd9c \uc218\uc218\ub8cc\uac00 \ub354 \ub192\uc2b5\ub2c8\ub2e4!<br>\r\n3\ufe0f\u20e3 \uc6e8\uc2a4\ud134 \uc720\ub2c8\uc628 \u2192 \uc624\ud504\ub77c\uc778 \ub9e4\uc7a5\uc774 \ub9ce\uace0 \ub3c4\ucc29\uc774 \ube60\ub974\uc9c0\ub9cc \ud658\uc728\uc774 \uc88b\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<hr>\n<h4><strong>\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38(Q&amp;A)<\/strong> \u2753<\/h4>\n<p>Q1: \"\ub9d0\ub808\uc774\uc2dc\uc544 \ud734\ub300\ud3f0 \ubc88\ud638 \uc5c6\uc774 \uc804\uc790\uc9c0\uac11\uc5d0 \uac00\uc785\ud560 \uc218 \uc788\ub098\uc694?\"<br \/>\n\u2192 TNG \uc804\uc790\uc9c0\uac11\uc740 \ud604\uc9c0 \ubc88\ud638\uac00 \uc788\uc5b4\uc57c \ud558\uba70, BigPay\/GrabPay\ub294 \uc678\uad6d \ubc88\ud638 + \uc5ec\uad8c\uc73c\ub85c \ub4f1\ub85d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u2705 Q2: \"\uad00\uad11 \ube44\uc790\ub85c \ub9d0\ub808\uc774\uc2dc\uc544 \uc740\ud589 \uacc4\uc88c\ub97c \uc2e0\uccad\ud560 \uc218 \uc788\ub098\uc694?\"<br \/>\n\u2192 \ubcf4\ud1b5\uc740 \uc544\ub2d9\ub2c8\ub2e4! \ucd5c\uc18c 6\uac1c\uc6d4 \uc774\uc0c1\uc758 \uc7a5\uae30 \ube44\uc790(\ucde8\uc5c5\/\ud559\uc0dd \ube44\uc790)\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\u2705 Q3: \"\uc678\ud654\ub97c RM\uc73c\ub85c \uac00\uc7a5 \uc800\ub834\ud558\uac8c \ud658\uc804\ud558\ub824\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?\"<br \/>\n\u2192 \uc640\uc774\uc988 \uc628\ub77c\uc778 \ud658\uc804 &gt; \ubbf8\ub4dc\ubc38\ub9ac\ubab0 \ud658\uc804 &gt; KLIA \uacf5\ud56d \uce74\uc6b4\ud130<\/p>\n<p>\u2705 Q4: \"\uc720\ud559\uc0dd\uc5d0\uac8c \uac00\uc7a5 \uce5c\uc808\ud55c \uc740\ud589\uc740 \uc5b4\ub514\uc778\uac00\uc694?\"<br \/>\n\ud83d\udccc \uacf5\uacf5 \uc740\ud589 - \ub0ae\uc740 \ucd5c\uc18c \uc608\uce58\uae08 \uc694\uac74(RM20)<br \/>\n\ud83d\udccc CIMB - \uc571 \uc601\uc5b4 \uc778\ud130\ud398\uc774\uc2a4 \uac1c\uc120<br \/>\n\ud83d\udccc Maybank MAE - ATM\uae4c\uc9c0 \uac00\ub2a5\ud558\uc9c0\ub9cc \ud604\uc9c0 SIM \ud65c\uc131\ud654\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<h4>\ud53c\ud2b8 \ud53c\ud558\uae30 \uc54c\ub9bc \ud83d\udea8 \ud53c\ud2b8 \ud53c\ud558\uae30 \uc54c\ub9bc \ud83d\udea8<\/h4>\n<p>\ud130\uce58\uc564\uace0 \uc794\uc561\uc740 \ud658\ubd88\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4! \uc18c\ub7c9\uc73c\ub85c \uc5ec\ub7ec \ubc88 \ucda9\uc804\ud558\ub294 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<br \/>\nLCCT \uc800\ub834\ud55c \ud130\ubbf8\ub110 ATM\uc740 \uc885\uc885 \ud604\uae08\uc774 \ubd80\uc871\ud558\ubbc0\ub85c \uc2dc\ub0b4\uc5d0\uc11c \ubbf8\ub9ac \ud604\uae08\uc744 \ubc1b\uc73c\uc138\uc694.<br \/>\n\uc5d0\uc5b4\ube44\uc564\ube44 \ud638\uc2a4\ud2b8\uac00 \uc740\ud589 \uacc4\uc88c \uc774\uccb4\ub97c \uc694\uad6c\ud560 \uc218 \uc788\uc73c\ub2c8 \uacc4\uc88c \uc9c4\uc704 \uc5ec\ubd80\ub97c \ubc18\ub4dc\uc2dc \ud655\uc778\ud558\uc138\uc694!<\/p>\n<p>\ub354 \uad6c\uccb4\uc801\uc778 \ub2e8\uacc4\uac00 \ud544\uc694\ud55c \uacbd\uc6b0 (\uc608 : Lazada\uc5d0\uc11c \ud574\uc678 \uc2e0\uc6a9 \uce74\ub4dc\ub97c \ubc14\uc778\ub529\ud558\ub294 \ubc29\ubc95) \uc0ac\uc6a9 \uc2dc\ub098\ub9ac\uc624\ub97c \uc54c\ub824 \uc8fc\uc2dc\uba74 \uc194\ub8e8\uc158\uc744 \uad6c\uccb4\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774\ub429\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\ub9d0\ub808\uc774\uc2dc\uc544\uc5d0\uc11c \ud604\uc9c0 \uacb0\uc81c \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud558\ub294 \uc678\uad6d\uc778(\ub9d0\ub808\uc774\uc2dc\uc544 \uc2dc\ubbfc\uc774 \uc544\ub2cc \uacbd\uc6b0)\uc740 \ub2e4\uc74c \uc0ac\ud56d\uc744 \uc900\uc218\ud574\uc57c 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