Membership Fees
Joining fee - Non-Personalised Card RM 10
Joining fee - Personalised Card (with name only) RM 10
Joining fee - Personalised Card (with name & photo) RM 18
Annual fee (First year Annual Fee is waived) RM 8 p.a.
Account Service Fee FREE
Card Replacement Fee
Top-Up Charges
Cash Withdrawal Charges
Overseas Transaction Service Fee
Other fees & charges

* Some ATMs based outside of Malaysia may impose an additional fee for cash withdrawals. If applicable, a notification message will be displayed on ATM screen upon withdrawal.
Please see Product Disclosure Sheet for more info.
  Minimum Maximum
Initial top-up* at Merchantrade branches RM 100 Up to wallet size**
Subsequent top-ups at Merchantrade branches RM 1 Up to wallet size**
Withdrawal at Merchantrade branches RM 1 Up to RM5,000
Top-up through CIMB Clicks and M2U Subject to the bank's min. limit Up to wallet size**
FPX & JomPay RM 1 Up to wallet size**
Card-to-Card Transfer RM 1 Up to wallet size**
Domestic ATM Cash Withdrawal Subject to ATM's min. limit Up to RM5,000 per day
Overseas ATM Cash Withdrawal (VISA Plus Network only) Subject to ATM's min. limit Up to RM5,000 per day (or equivalent in available currencies)
Point-of-sale Transaction No minimum Up to wallet size**
E-Commerce No minimum Up to wallet size**

**For all wallet sizes
* Minimum Card Account balance of RM20.00 must be maintained at all times.
Please see Product Disclosure Sheet for more info.

Get your Merchantrade Money card

Online
application

  • Register online or via the Merchantrade Money app.
  • Verify your identity with your Malaysian NRIC/PR and a ‘selfie’.
  • Top up with any Malaysian online bank account (FPX).
  • Receive your card at your doorstep within 5-7 days.
  • Activate your card online or via Merchantrade Money app.
Apply now

Walk-in
application

Apply now