# DuitBijak

> Simple guides to Malaysia's digital banks and e-wallets


## Pages

- [eKYC, device binding, frozen accounts and login problems](https://mediumvioletred-swallow-894954.hostingersite.com/fix/account-access-problems/): What to try if verification fails, you have a new phone, you are in a cooling-off period, or your account is locked.
- [Maybank MAE app update or “replace MAE app”](https://mediumvioletred-swallow-894954.hostingersite.com/fix/maybank-mae-app-update/): What to do when Maybank asks you to update or replace the MAE app, and how to stay with the App Store or Google Play.
- [Touch ’n Go eWallet refund, suspension or cannot withdraw](https://mediumvioletred-swallow-894954.hostingersite.com/fix/tng-refund-or-account-issues/): What to do if you need a refund, your eWallet is under review, or you cannot pay or withdraw.
- [DuitNow transfer failed, pending, slow or not received](https://mediumvioletred-swallow-894954.hostingersite.com/fix/duitnow-problems/): What to do when a DuitNow payment is still processing, shows failed, or is marked successful but has not arrived.
- [How to close a digital bank or e-wallet account](https://mediumvioletred-swallow-894954.hostingersite.com/guides/close-digital-bank-account/): Closure fees each provider publishes, and the usual order of steps so you do not leave money behind.
- [Maybank MAE: what it is and how it differs from a savings account](https://mediumvioletred-swallow-894954.hostingersite.com/guides/maybank-mae/): MAE is Maybank’s e-wallet, not a PIDM-protected savings account. Here is what the product disclosure says, and what to look for in the app.
- [Touch ’n Go eWallet Visa card](https://mediumvioletred-swallow-894954.hostingersite.com/guides/touch-n-go-visa-card/): How the TNG Visa card spends your eWallet balance, and what fees TNG publishes.
- [How to top up a Touch ’n Go eWallet](https://mediumvioletred-swallow-894954.hostingersite.com/guides/top-up-touch-n-go-ewallet/): Practical ways to add money to the eWallet — and how to avoid sending a reload to the physical card by mistake.
- [Touch ’n Go eWallet: limits, verification and how it differs from a bank](https://mediumvioletred-swallow-894954.hostingersite.com/guides/touch-n-go-ewallet/): Wallet limits, verification, why an e-wallet is different from a bank deposit, and where GO+ sits.
- [How to register or switch a DuitNow ID](https://mediumvioletred-swallow-894954.hostingersite.com/guides/register-or-switch-duitnow-id/): Why your mobile number should point to one receiving account, and how to change it inside your official banking or e-wallet app.
- [DuitNow QR: how to pay, get paid and generate a QR](https://mediumvioletred-swallow-894954.hostingersite.com/guides/duitnow-qr/): How to scan a DuitNow QR, how to show one to receive money, and the consumer fees PayNet publishes.
- [What is DuitNow? Transfer, fees and how to use it](https://mediumvioletred-swallow-894954.hostingersite.com/guides/duitnow/): Malaysia’s real-time transfer scheme: how it works, consumer fees and limits, and what to do when a payment is stuck.
- [How to open a digital bank account in Malaysia](https://mediumvioletred-swallow-894954.hostingersite.com/guides/open-digital-bank-account/): The usual steps, what “Malaysian only” means, and why many digital banks are not open to foreigners.
- [Are digital banks in Malaysia safe? PIDM coverage explained](https://mediumvioletred-swallow-894954.hostingersite.com/guides/pidm-and-safety/): What PIDM actually protects at Malaysia’s licensed digital banks, and why an e-wallet is not the same thing.
- [Are Malaysia’s digital banks Shariah-compliant?](https://mediumvioletred-swallow-894954.hostingersite.com/guides/shariah-compliant-digital-banks/): The split is about the licence: two Islamic banks under IFSA 2013, three conventional banks under FSA 2013.
- [Digital banks in Malaysia compared](https://mediumvioletred-swallow-894954.hostingersite.com/compare/digital-banks-malaysia/): Compare Malaysia’s five licensed digital banks: base rates, the conditions behind higher rates, fees, and who each one is for.
- [Ryt Bank credit and loan products](https://mediumvioletred-swallow-894954.hostingersite.com/ryt-bank/loan/): Ryt Credit and related loan products, including the effective interest rate table that changed on 23 September 2026.
- [AEON Bank Personal Financing-i](https://mediumvioletred-swallow-894954.hostingersite.com/aeon-bank/personal-financing-i/): What Personal Financing-i offers, the amounts and tenure AEON publishes, and where to find the profit rate.
- [GX Bank FlexiCredit: how the personal loan works](https://mediumvioletred-swallow-894954.hostingersite.com/gx-bank/flexicredit/): How FlexiCredit works: eligibility, the published starting rate, fees, and what PIDM does and does not cover.
- [Disclaimer](https://mediumvioletred-swallow-894954.hostingersite.com/disclaimer/): A short note on how to use the information on this site.
- [Terms of use](https://mediumvioletred-swallow-894954.hostingersite.com/terms/): The conditions for using duitbijak.com/. This is not a contract for banking services.
- [Updates](https://mediumvioletred-swallow-894954.hostingersite.com/blog/): Short, dated notes when a rate, fee, waiver or outage changes. The longer explainers stay in the main guides.
- [Privacy policy](https://mediumvioletred-swallow-894954.hostingersite.com/privacy/): How we handle personal data if you email us, and how this page will be updated if we add analytics or forms.
- [Editorial and corrections policy](https://mediumvioletred-swallow-894954.hostingersite.com/editorial-policy/): How we write the guides on this site, and how to tell us if something is wrong.
- [Contact and official bank hotlines](https://mediumvioletred-swallow-894954.hostingersite.com/contact/): How to reach the DuitBijak publisher, plus support numbers to use for account problems.
- [About duitbijak.com](https://mediumvioletred-swallow-894954.hostingersite.com/about/): A small English-language site about digital banks and e-payments in Malaysia.
- [KAF Digital Bank: Islamic digital bank accounts and limits](https://mediumvioletred-swallow-894954.hostingersite.com/kaf-digital-bank/): Who can open a KAF Digital Bank Savings Account-i, the Basic and Premium limits, and fees. KAF’s account page does not post a standing profit rate.
- [AEON Bank: Malaysia’s Islamic digital bank](https://mediumvioletred-swallow-894954.hostingersite.com/aeon-bank/): How AEON Bank’s Savings Account-i and promotional Savings Pot rate work, who can apply, and the fees AEON publishes.
- [Boost Bank: rates, fees, eligibility and how it works](https://mediumvioletred-swallow-894954.hostingersite.com/boost-bank/): How Boost Bank’s savings account and Jars work, and how the bank is different from the Boost eWallet.
- [Ryt Bank: rates, fees, eligibility and how it works](https://mediumvioletred-swallow-894954.hostingersite.com/ryt-bank/): How Ryt Bank’s 2.05% p.a. base rate and 4.0% p.a. Save Pocket bonus work, plus fees and limits.
- [GX Bank: rates, fees, eligibility and how it works](https://mediumvioletred-swallow-894954.hostingersite.com/gx-bank/): GX Bank’s savings rate, Bonus Pocket conditions, fees, and who can apply — in one place.
- [The 5 licensed digital banks in Malaysia](https://mediumvioletred-swallow-894954.hostingersite.com/digital-banks-malaysia/): A straight list of the five digital banks Bank Negara Malaysia has licensed, what “licensed” means, and how they differ from e-wallets.
- [Digital banks and e-payments in Malaysia, explained](https://mediumvioletred-swallow-894954.hostingersite.com/home/): Compare Malaysia’s digital banks, learn DuitNow and e-wallets, and fix common app and transfer problems in a few minutes.
- [Guides](https://mediumvioletred-swallow-894954.hostingersite.com/guides/): Short explainers on opening an account, DuitNow, e-wallets, and how the licensed digital banks differ.
- [Fix a problem](https://mediumvioletred-swallow-894954.hostingersite.com/fix/): Practical steps when a DuitNow transfer is stuck, an e-wallet is under review, or an app needs an update.
- [Compare](https://mediumvioletred-swallow-894954.hostingersite.com/compare/): Start here for a side-by-side look at Malaysia’s licensed digital banks — rates, fees and who each one is for.


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