Everything about using GrabPay wallet in Malaysia

Hannes Ausmees

GrabPay¹ is a leading e-wallet in Malaysia, offering customers quick, convenient mobile payments for everything from rides to food to in-store transactions. If you’re wondering: how do you pay with Grab? This guide is for you.

We’ll cover all you need to know about Grabpay e-wallet, including how to use GrabPay, how to set up GrabPay wallet in the first place, and a quick comparison with a couple of alternative options to help you decide if the GrabPay wallet is right for you.

Table of contents

How to use GrabPay in Malaysia

Let’s start with the basics. GrabPay is a popular e-wallet in Malaysia and the broader Southeast Asia region. As an e-wallet, GrabPay lets customers make mobile payments conveniently - which means there’s no need to fumble for change or even carry around your wallet full of cards.

Simply get the Grab app, top up your GrabPay wallet or add a bank card, and get started. You’ll also earn Grab rewards for all your purchases, which you can cash in later as discounts against future purchases.

On to the key question: what can GrabPay be used for? - Here’s a rundown:

  • Pay for Grab rides - book your ride in the Grab app and pay with your linked credit or debit card or Grab credits
  • In-store purchases - just scan the merchant’s QR code
  • Online purchases - with selected retailers
  • Credit transfer - send Grab credits to friends
  • Buy Grab food - pay with your linked credit or debit card, or use Grab credits
  • Prepaid top-up - compatible with all major telcos in Malaysia including Celcom, Digi, Maxis, U Mobile and TuneTalk

Where to use Grabpay in Malaysia

So - where can I use GrabPay in Malaysia? Use GrabPay to pay in person in restaurants, convenience stores, petrol stations, pharmacies and when grocery shopping². And you’ll earn Grab rewards on everything you spend.

As the world has moved more and more to contactless payments, the list of places you can use GrabPay has grown and grown. You can use GrabPay in Burger King if you’re craving a burger. Or if chicken is more your thing - use your GrabPay e-wallet to pay in KFC.

Other popular stores accepting GrabPay wallet payments include MyNews, Tesco, Guardian, Watsons, McDonald’s, Mr.D.I.Y and SenHeng³.

Can I use GrabPay when shopping online?

Yes. GrabPay is offered as a payment option with plenty of online retailers - in fact, over 700 merchants are listed on the GrabPay directory, giving you lots of choice⁴.

However, if you’re wondering how to pay Lazada⁵ using GrabPay or asking the question: can I pay Shopee⁶ with GrabPay - unfortunately you’re going to be disappointed. Direct payments from your GrabPay eWallet aren’t supported by either Shopee or Lazada at the time of writing - but it’s worth checking in with GrabPay’s list of approved merchants in case they’re added in future.

In the meantime, if you’re shopping overseas with Shopee, Lazada, or any other ecommerce store, check out the Wise multi-currency account and card as a smart way to pay - and save money at the same time. You’ll be able to use your Wise card to pay online with merchants based anywhere in the world - with currency conversion which uses the real mid-market exchange rate. That means you ditch the bumped up exchange rates used by banks, cut the foreign transaction fees added by most cards - and pay a low, transparent fee instead.


How to set up your GrabPay wallet

To set up your GrabPay wallet you’ll need to take the following basic steps:

  1. Download the Grab app onto your smartphone
  2. Create an account by entering your full name, email address, phone number and MyKad/Passport number
  3. Link a credit or debit card to your account, or top up your GrabPay wallet manually
  4. You’re ready to go

GrabPay wallets also give the opportunity to add an auto top-up, so you’ll always have a ready balance in your account. Just select the auto top-up option from within your wallet on the app, choose the minimum balance you want to keep in your account, and Grab will automatically pull funds from your linked card whenever your balance falls below this number. Easy.

How to pay with GrabPay

When you set up your GrabPay e-wallet you’ll be offered the opportunity to top up your wallet manually, or add a linked credit or debit card. You can also add the auto top-up feature so your Grab balance won’t ever fall below a minimum you’ve set in the app.

If you’re using a Grab service - Grab rides or Grab Food, for example, you’ll just need to order as normal, and the payment will be deducted either from your linked card or the GrabPay balance in your wallet.

If you’re paying in a store, you’ll need to scan the merchant’s QR code, with the payment being deducted from your linked card or GrabPay balance.

And if you’re paying for an online purchase, simply select GrabPay when it’s offered in the merchant’s checkout, and follow the on-screen prompts to pay with Grab. It’s easy - and intuitive to use, even from the first time.

How to top up your GrabPay wallet

Here’s how to top up your Grab wallet:

  1. Tap Payments on the navigation bar on the bottom of the app
  2. Select the option Top up, which appears in the middle of the screen
  3. Choose the top up method you want to use - options include linked card, linked bank account or bank transfer
  4. Follow the on-screen prompts to complete the top up
  5. You’ll be able to see your GrabPay balance right away in the app

Is GrabPay a good choice - comparison with other e-wallets in Malaysia

GrabPay isn’t the only e-wallet available in Malaysia. Which wallet is right for you depends a lot on how you expect to use it. In many cases, it’s smart to have more than one e-wallet to hand, so you can always choose the provider which offers the best deal on the specific purchase you’re making.

To help you decide which e-wallet might work for you, let’s take a quick look at how GrabPay measures up against a couple of other wallets available in Malaysia:

GrabPayTouch ‘n GoWise
Currencies availableMYR onlyMYR only - make foreign remittances via AliPay40+ currencies
Foreign transaction feesIf you use GrabPay internationally, a currency conversion fee may applyForeign transactions use the AliPay exchange rate⁸Free to spend any currency you hold using your Wise card
Shop onlineYes - selected merchantsYesYes - anywhere cards are accepted
Shop in personYes - selected merchantsYes - selected merchantsYes- anywhere cards are accepted
Pay on LazadaNo direct payment linkYesYes
Pay on ShopeeNo direct payment linkNot availableYes
Send payments to othersYes - recipient needs a Grab accountYesYes - recipient does not need a Wise account
RewardsYesYesDiscounts from selected merchants are available

As you can see, each of these top e-wallets has its own features - but if you’re planning to travel or shop abroad you could be better off with the Wise multi-currency account and card.


While GrabPay only operates using MYR, Wise lets you hold dozens of currencies all in a free account you can manage online or using your smartphone. Get your Wise debit card to spend online and in person - and make cash withdrawals all over the world. Add your card to Google Pay for mobile payments - and if you’re spending in a foreign currency you’ll get the mid-market exchange rate every time, with no markup and no hidden fees. Easy.

Shop online cheaper with Wise 🚀

Frequently asked questions

How to withdraw money from GrabPay in Malaysia?

You can spend your GrabPay balance only by making Grab transactions - either paying merchants or paying with DuitNow QR. It's not possible to withdraw money directly from your Grab balance to your bank account, refunds can be issued only when your account is deactivated or if your top-up had a technical error. You can reach out to Grab support when this happens.

How to upgrade your GrabPay wallet

Upgrade your GrabPay wallet to a premium account by completing a verification step for security purposes. This usually requires you to enter your personal details, and upload a selfie with your government issued ID document, to confirm your document matches your image.


  1. GrabPay Malaysia
  2. GrabPay - pay in person
  3. GrabPay - pay everywhere press release
  4. GrabPay - pay online
  5. Lazada - payment methods
  6. Shopee - payment methods
  7. Touch ‘n Go
  8. Touch ‘n Go - exchange rate

Sources checked on 26.04.2022

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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