I was about to transfer some donation to a personal Maybank account. After I key in my TAC number, I received: Unsuccessful – Account is not authorized. Reject Code: 
I was quite surprised. Because I am pretty sure that I still have sufficient balance. So I did some research on Maybank Facebook Page. I foundout that error code 0076 refers to account not authorized normally due to:
Account status (account dormant/ inactive and maximum transaction numbers in audit trail).
For fund transfer, either sender or/ and recipient account reached the maximum limit of account transaction number (audit trail).
Account status (account blocked due to loan/ credit card payment issue).
Amount payable is not matched with the outstanding/ due amount (for credit card/ loan payment).
So my guess is that maybe the account has too many transactions. Did you know that for Savings Accounts, the number of transactions that can be done is limited to 30 pages/bank book pages or 120 transactions within the 5th to 20th day of the month or the 21st to the 4th day of the following month.
This is because savings accounts are intended for savings or income/salary credits. If your account has a high account transaction frequency, your ‘audit trail’ of your account will be full and transactions are not possible.
How To Solve
To resolve this, please bring your ID, ATM card and bank book (if available) and visit the nearby Maybank branch counter for the branch to assist you in updating (clear audit trail) of your account.
If you intend to use an account for business purposes, Maybank will recommend that you apply for a current account opening that can accommodate an unlimited number of transactions.
You can request a M2U Premier account opening with a minimum deposit of RM500 only. Applications can be made online through Maybank2U. For more information, please refer to the following link:
http://goo.gl/z22Hu – Maybank2u.Premier
If you have Maybank2u access, you can apply by following the steps below:
> Login> Home> Apply Online> Maybank2u Premier
If you do not have Maybank2U access, you can apply by visiting Maybank2U’s website at www.maybank2u.com.my and follow the steps below:
Apply Online> Maybank Account> Maybank2u Premier
* Please note that this service operates from 8:30 am to 5:00 pm daily.
Maybank always comes with new innovations to enhance customer experience with online banking. Maybank has come up with an update for Maybank App Online that is Biometric Login.
Now you can choose from 3 biometric features to log in to your Maybank2u app. Biometric login offers three personalises security features that are unique to make online banking easier and faster for a user.
With Biometric Login, a user can choose Face ID, Voice ID as well as Quick Touch.
Activate Biometric Login today, and you can access all your accounts in mere seconds using your facial points, voice pattern and fingerprint.
How To Set Up Biometric Login
Face ID & Voice ID
Please use the latest Maybank App to get this n Biometric Login. You can check it on Google Play for new Maybank App here.
Step 1: After you have installed the new Maybank2u App, you will get a reminder on Biometric Login like below. Also, you can check at Login Details on the App menu and click for Biometric Login
Step 2: Then select which biometric login that you want to enable, Just select ‘Agree & Proceed’. If your phone has no thumbprint scanner, so just choose Voice ID and Face ID.
Step 3: Next, enter your favourite phrase. Please enter more than one phrase. Because you will have to say it a few time so the Maybank2u app can record it. Enter your own phrase in two to three words for Voice ID and select ‘Continue’
Step 4: Ok, then Select ‘I’m Ready’ to continue.
Step 5: Make sure you wear your glasses if you have, before Maybank2u app capture your face. Follow the on-screen instructions to capture your face and voice. Please repeat the phrase 3 times to complete the process.
Step 6: Once completed, select ‘Done’ to continue.
Step 7: Choose your default biometric login and you can log in with ease.
My experience with Face ID, no that smooth. It still takes some time to scan my face, Maybe my phone is quite old. But still, I can log in, You can change from Face ID to Voice ID, No problem,
This new biometric login just allows you to check your balance. If you want to transfer your Maybank money, you still have to enter your password.
5. You will receive On Time Password (OTP) sms, key in the OTP. Make sure your handphone number is correct.
6. Then you will need to key in your MyKad number.
You must have internet connection to use Secure Verification. To choose Secure Verification as the mode of authorisation, you will be prompted with a push notification message alert on your registered smartphone. You need to “Approve” or “Reject” the transaction within 30 seconds.
If you choose Secure TAC as your mode of authorisation, you can obtain the 6-digit number by tapping on ‘Secure2u’ button on the aybank App. Please enter the 6 digit number generated to approve your transactions.
When traveling abroad, there is one things that you should prepare beside planning for hotel, budget, foods and etc. That is to activate your Debit ATM Maybank Card. There are few advantages when you activate your Maybank ATM Debit Card:
Get TREATS Points when spend oversea
Set Purchase limit for better control
Access to worldwide ATM for cash withdrawal
Track transactions via maybank2u.com.my
 How to activate Oversea Flag and Purchase Limit?
There are 2 ways that you can activate your Maybank Debit Card
click ATM/Debit card Management
select Overseas Activation or purchase Limit
Select “Other Transaction”
Select “Other Services”
Select “Oversea/PLUS ATM Service”
Select activate “Temporary”.
Enter your new mykad to confirm
Set Purchase Limit
For your spending convenience abroad, ensure to set the purchase limit for your Debit Card with these steps:
Daily default purchase limit is RM1,000 for VISA Debit and RM 2000 for MASTER Card Debit. You can change the limit up to RM 5000 (Visa) and RM10000 (MasterCard) via Maybank2u and ATM.
Until recently one of my wife officemate told us that he send money thru bank transfer from TEB to Maybank and its transfer fee is not that expensive. Later I found out that the reason that I was told USD 100 because I did not have account with TEB.
Only my wife has account with TEB. My wife officemate gave a copy of form that he used to send money to Malaysia with TEB. He said that TEB only charged 150 TL to send USD 1000 to Maybank.
So we took the copy of his Bank Transfer form, and show it to the lady at the counter so that we can get a new form. Filled in my wife Maybank account and Maybank Swift code : MBBEMYKLXXX.
Did You Know
Then, my wife provide her KIMLIK or Turkish temporary ID and TEB account book. Then we paid TL150. After that the TEB lady process our form.
You know how long it takes to process our bank transfer ? 5 minutes only. TEB lady said, ok done. Wait for 2 working days,
You know how long it takes for me to que at Yapi Kredi for Western Union …..1 hour and still sometime the service is down. Plus I need to pay more to send money by Western Union, USD 78 around TL 227. Then my brother in Malaysia need to collect the money from the post office and transfer back to my Maybank account. You know how hard it is.
By Bank Transfer, I only have to wait 2 working days then from Maybank2u I can make all necessary transaction. Yes I know,By using Western Union, money can be collected immediately after transfer but due to different time zone, my brother usually collect the day after. If and only if Western union is not problem.
So no more worries about waiting and queuing for hours at Yapi Kredi bank. Just go to TEB Bank with my wife on payday, fill in the Bank Transfer form. Tell the TEB lady to deduct straight from bank account. Wait for 2 days and walla! money in Maybank.