— debit (and credit) card transactions can take 3-10 days to be uploaded and show up on inet banking. It’s up to the merchant.

However, unlike ccard amounts, debit card amount is immediately reflected in DBS 104 account available_Balance, but not shown in transaction history, creating a recon headache:

• my NAV snapshot uses available_Balance
• my expense breakdown uses transaction history
• Therefore, any discrepancy existent at (not before, not after) the time of recon would break the recon

Given the importance and frequency of my exp recon, I should avoid building up big outstanding balance in DBS debit card.

totalBalance – available_Balance = (usually) debit card outstanding balance

— My ETF holdings.. NikkoAM-StraitsTrding Asia Ex Japan REIT – SGD – Qdis
My total cost is exactly $1200 including sales charge, despite what’s show in online banking.

The Latest price show is actually delayed price like a day ago, not reliable for trading decision.

— eSavings are superior to the older passbook savings account.  Once you convert an account to eSavings, say in Jan 2019, then the Jan 2019 statement would be available online for 84 months, until Dec 2025.

(As to transactions history, only last 6M available)

eSavings has same $500 min balance requirement as passbook savings.

eSavings statements are confusing:

• For Jun-Jul 2015, need to choose “Deposits Account statements”
• For Aug 2015 onwards, choose “Consolidated” and name should be my single name.

— token vs sms otp
There are 2 main occasions where you need both token and sms-otp

• add new payee
• transfer/payment limit change

Luckily, using the token you can instantly register any hew mobile number. I tried it myself, and also confirmed with DBS branch staff.

From late 2024, DBS would randomly require (digital or physical) token for any FAST. Staff told there’s no threshold for this, though I don’t quite believe her. I don’t want digital token, so the current solution — keep low balance in DBS to avoid outgoing FAST.