Registration Fees
Card Issuance Fee - Non-Personalised Card RM10
Card Issuance Fee - Personalised Card (with name only) RM10
Annual Fee RM10 p.a.
Account Service Fee FREE
Refundable Deposit (if applicable to selected co-brand requirements) RM20 (Will be refunded upon account closure)
Card Replacement Fee
Top-Up Charges
Bank Transfer Charges (Local & Overseas)
Cash Withdrawal Charges
Overseas Transaction Fees
DuitNow Transaction Fees
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 RM100 Up to wallet size**
Subsequent top-ups at Merchantrade branches RM1 Up to wallet size**
Withdrawal at Merchantrade branches RM10 per withdrawal Daily up to RM5,000 or 5 transactions per day
Local ATM Cash Withdrawal (Visa Plus ATM) RM10 per withdrawal Daily up to RM5,000 or 5 transactions per day
Overseas ATM Cash Withdrawal (VISA Plus ATM) Subject to ATM's min. limit Daily up to RM5,000 or 5 transactions per day (or equivalent in available currencies)
Top-up through CIMB Clicks and M2U Subject to the bank's min. limit Up to wallet size**
JomPAY Top-up RM1 Up to wallet size**
FPX Top-up RM50 (effective 26 June 2024) Up to wallet size**
Debit Card Top-up RM50 (effective 26 June 2024) Up to wallet size** (max. RM5,000 per transaction)
Card-to-Card Transfer RM1 Up to wallet size**
Point-of-sale Transaction No minimum Up to wallet size**
E-Commerce No minimum Up to wallet size**
Visa payWave Limit No minimum RM250 per transaction or an accumulative of RM250 per day
e-pay Top-up (Voucher) RM10 RM1,500 daily or RM10,000 monthly or up to wallet size** (max. 10 transactions per month)
DuitNow Transfer RM1 RM1,500 daily
DuitNow QR RM1 RM1,500 daily

**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