GoPayz - FAQ

Most Asked Questions

You can sign up for GoPayz Service online by:

  1. downloading the GoPayz App directly from the Google Play Store, Apple App Store or the Huawei’s AppGallery, for free; or
  2. visiting GoPayz website at

Malaysian residents and foreigners who work or reside in Malaysia are welcome to apply for GoPayz Service as long as they are 18 years old and above. For foreigners, they will be required to provide details of their residential address in Malaysia.

You will be charged based on the table of fee provided under question 3 above. Cash withdrawals can be made using physical GoPayz Card at ATMs that accept Card Schemes cards such as Visa, Mastercard or UnionPay.

Please note that certain ATM may impose additional fees in addition to the fees specified above.

To sign up for GoPayz Service you must first sign up for the Basic Wallet Account. Just fill in your personal information required via GoPayz App or GoPayz Website to sign up for the GoPayz Service.

Once your Basic Wallet Account has been set up, you can upgrade your Basic Wallet Account to Premium Wallet Account by:

  1. telling us more about yourself by filling up the “know your customer” (KYC) form; and
  2. snap a photo of or upload a scanned copy of your MyKad (for Malaysians) or your MyPR (for Malaysian Permanent Residents) or Passport (for foreigners).

You will not be charged for signing up for GoPayz Service or for your GoPayz Account.

For Premium Wallet Account, you have the option to apply for a physical GoPayz Card by remitting a fee of RM16.00 upon your application of the physical GoPayz Card.

For information on all other fees and charges applicable to the GoPayz Service, please refer to the fees and charges schedule below or visit

No Item Fees and Charges Payable when
1 Physical Card Fee One-time fee of RM16.00 will be charged upon your request for a physical GoPayz Card under any of the card schemes such as Visa, Mastercard or UnionPay. Upon request for each physical GoPayz Card issued by us
2 Fee for Cash Withdrawal Via ATM

Overseas ATM withdrawal fee = RM10.00 per withdrawal.

Local ATM withdrawal = RM1.00 per withdrawal.

For card-less withdrawal, fee charged will vary based on the fee imposed by partners/respective banks.

For every transaction performed.
3 Card Replacement Fee

Card replacement fee = RM16.00 per card

Only applicable for those who opt in for physical GoPayz Card to be issued, and the card replacement request is initiated by customer due to lost, stolen or damaged physical GoPayz Card or disclosure of the physical GoPayz Card’s information to a third party

Upon our receipt of your request to replace the physical GoPayz Card.
4 Statement Request Fee Physical copy = RM5.00 per copy
E-statement = Free of charge
Upon request.
5 Retrieval of Sales Draft RM15.00 per sales draft Upon request.
6 Reload / top-up charges Online Banking (FPX) = No Charge
Other Payment Card = No Charge
Razer Cash @ 7-Eleven = RM2.00 per transaction For every reload performed.
7 Overseas and Foreign Merchant Transaction Conversion Fee All Overseas and Foreign Merchant Transactions including online transactions shall be converted to Ringgit Malaysia at the prevailing conversion rate on the day of conversion and include the charges as determined by Card Schemes and a service fee of 1%. For every transaction.
8 Refund Handling Fee
  1. Via IBG RM 1.10
  2. Via Telegraphic Transfer (TT) RM 21.00

For clarity, refund happens when your GoPayz Account is terminated, you perform reload exceeding your GoPayz Account limit or a transaction is cancelled.

For every transaction.
9 Balance Enquiry Fee

RM1.00 per transaction at Local and Overseas ATMs

Enquiry made via GoPayz App / GoPayz Website are free of charge.

For every transaction.

You are advised to check the fees and charges applicable before you perform any transactions via your GoPayz Account.

How can we help you?


You can earn GoPointz reward points by making qualifying transactions via the GoPayz mobile app or website (“GoPayz”). Please refer to the table below on how you can earn GoPointz:

Type of Transaction performed via GoPayz GoPointz Awarded
Digital Financial Services
Life insurance
  1. GoLife Plus
RM1 spent = 1 GoPointz
International airtime transfer (IAT)
  1. Inclusive of International Airtime Transfer
RM1 spent = 1 GoPointz
  1. Indonesia IAT
RM2 spent = 1 GoPointz
General insurance
  1. Includes Personal Accident Insurance
  2. Travel Insurance
RM1 spent = 1 GoPointz
  1. Motor Insurance
RM10 spent = 1 GoPointz
  1. Remittance
RM250 spent = 1 GoPointz
Utilities, Entertainment, Phone & Internet
Mobile Prepaid Top Ups & Game Codes
  1. Inclusive of All Game Top Ups
  2. Inclusive of All Prepaid Top Ups (Excludes Maxis, Digi & redONE)
RM3 spent = 1 GoPointz
  1. Maxis
  2. Digi
  3. redOne
RM4 spent = 1 GoPointz
Digi Prepaid Broadband & IDD
  1. Broadband (Min RM10)
2 GoPointz per transaction
(Min RM10 spent)
Digi IDD 3 GoPointz per transaction
(Min RM15 spent)
Game Codes
  1. Inclusive of All Game Top Ups
RM2 spent = 1 GoPointz
Entertainment – TV Prepaid
  1. Astro NJOI
Min RM10 spent = 1 GoPointz
(Max 10 GoPointz)
Postpaid Bill Payment
  1. U Mobile Postpaid
7 GoPointz per transaction
(Min RM30 spent)
  1. Celcom
  2. RedOne
  3. Digi
  4. Maxis
  5. XOX
  6. YES
1 GoPointz per transaction
(Min RM15 spent)
  1. Unifi Mobile Postpaid
2 GoPointz per transaction
(Min RM5 spent)
  1. Inclusive of All Utilities Bill Payment
(Excludes Astro Bill Payment)
2 GoPointz per transaction
(Min RM5 spent)
  1. Astro Bill Payment
1 GoPointz per transaction
(Min RM15 spent)
  1. TIME dotCom
1 GoPointz per transaction
(Min RM35 spent)
Repayment Collection
  1. Aeon Credit Card & EPP
  2. Wakaf PEWATIM
  3. Pinjaman Pelajaran Pulau Pinang (PPPP)
  4. Majlis Amanah Rakyat (MARA)
  5. KPKT – SPP Untuk Golongan Berpandapatan Rendah
  6. KPKT – SPP Untuk Rakyat Negeri Terengganu
  9. PTPTN Loan Ujrah
  10. PTPTN Loan Konvensional
4 GoPointz per transaction
(Min RM30 spent)
Local Council Assessment
  1. Inclusive of All Assessment Payment
5 GoPointz per transaction
(Min RM50 spent)
  1. Zakat
  2. Derma
  3. Wakaf
RM25 spent = 1 GoPointz
(Only applicable to payments made with GoPayz MAIPk card)

You can redeem your GoPointz for mobile prepaid Top-up, vouchers from your favourite lifestyle brands and more at great discounted prices or any other redemption items introduced or offered by us from time to time. Checkout GoPayz Voucher Catalogue now!

Products Paid / Redeemed with GoPointz Amount of GoPointz Required
Digital Financial Services, Phone & Internet and Entertainment
  1. Life Insurance
  2. International airtime transfer
  3. Personal Accident Insurance
  4. Motor Insurance
  5. Travel Insurance
  6. Card Protection Plan
Min 125 GoPointz to redeem = RM 1
  1. Mobile Prepaid Top-up
  2. Game Code
  3. Prepaid TV
  4. Music & Audio
  5. International Direct Dial
Postpaid Bill Payment, Utilities Bill, Islamic Product and Charity
Postpaid Bill Payment
  1. U Mobile
  2. Celcom
  3. RedOne
  4. Unifi Mobile
Min 125 GoPointz to redeem = RM 1
  1. Electricity Bill
  2. TV
  3. Water
  4. Telekom Malaysia
Min 125 GoPointz to redeem = RM 1
  1. Zakat
  2. Wakaf
  3. Derma
Min 125 GoPointz to redeem = RM 1
  1. Mercy
  2. Hope Worldwide Malaysia
  3. World Vision Malaysia
Min 125 GoPointz to redeem = RM 1

A minimum of 125 GoPointz is required to redeem a voucher on the GoPayz E-voucher catalogue.

No, a transaction that was paid or redeemed using GoPointz, whether in full or partially used with GoPayz prepaid card for the remaining balance at the checkout is not eligible to earn GoPointz. GoPointz will only be awarded for every successful transaction that is made in full via cash (GoPayz Prepaid Card) and not via redemption of GoPointz.

If you have insufficient GoPointz, you can use a minimum of 125 GoPointz to knock-off a portion from the total amount and use your GoPayz prepaid card to pay the remaining balance at the payment page to complete the transaction.

Yes, you can purchase the voucher with your GoPayz prepaid card.

Sorry, GoPointz redeemed cannot be cancelled and are non-refundable.

Your GoPointz expires upon expiry of 24 months from the date they are credited into your GoPayz account. Expiring points will be reflected in your GoPayz bill statement.

When you make a qualifying transaction, you will receive a “Surprise Reward” voucher from one of our amazing lifestyle partners. The types of qualifying transactions and Surprise Reward vouchers change frequently, so keep checking back for the latest offers!

Points and rewards are non-transferable.

Simply tap on the “Rewards” button from the GoPayz app homepage. Tap or shake to reveal the voucher and to view its details. Revealed vouchers are stored in the “Rewards > My Vouchers” page until they are redeemed or until their expiry.

We’d be so sad to see you go! If you decide to terminate your account, your GoPointz would be forfeited along with any reward vouchers as well as any other earned benefits.