How to use Touch ‘n Go (TnG) eWallet in Malaysia: a complete guide

Since being launched way back in 1997, Touch ‘n Go has become a cornerstone of Malaysia’s progression to a cashless society, with services covering toll and parking payments, and more recently the TnG ewallet for easy spending. In fact, since the TnG ewallet product launched a couple of years ago, over 20 million users have signed up, making over 300 million transactions with their Touch ‘n Go ewallets since then.

If you want to know how to use the TnG ewallet, this guide is for you. We’ll cover how to get a TnG ewallet account set up, and how to top up Touch n’ Go online. We’ll also highlight an alternative eWallet and card for comparison - the Wise account, which can offer a cheaper and more flexible option for shopping and spending internationally.

Table of contents
How to use Touch ‘n Go eWallet Tiers and limits Paying with Touch n Go How to set up your Touch ‘n Go eWallet Comparison with other eWallets Frequently asked questions

How to use TnG ewallet

If you’ve already got a Touch n’ Go card¹ you might be wondering what’s different about the eWallet. In short, the Touch n’ Go eWallet can be used to pay for everything from parking and tolls to online shopping and even your weekly grocery shop, right from your phone. There’s no need to carry a card, making mobile payments when you’re out and about fast and easy.

Here’s a rundown of the ways you can use your Touch ‘n Go eWallet - we’ll get into more details about some of the key transaction types offered in just a moment²:

• Spend online with merchants like Lazada
• Send money to other Touch 'n Go eWallet users
• Reload your mobile prepaid
• Pay for your utilities and postpaid bills
• Buy movie and train tickets
• Make QR code payments at participating Touch 'n Go merchants
• Pay tolls via RFID and PayDirect
• Spend internationally in 40+ countries

TnG ewallet - tiers and limits

When you register your Touch ‘n Go eWallet, you’ll be able to choose between the Lite, Pro and Premium accounts. Different account tiers have different usage limits, meaning you may need to upgrade your account if you want to access all the eWallet’s features, or you’re a frequent user.

Here’s an overview of the account tiers³:

Touch ‘n Go (TnG) eWallet tier	Lite	Pro	Premium
eWallet size	200 MYR	5,000 MYR	Up to 20,000 MYR
How to access	Register in the Touch ‘n Go app	Complete account verification	Onboard on the Premium page of the Touch ‘n Go app
Monthly transaction limit	2,000 MYR (excluding transportation, RFID and PayDirect)	5,000 MYR (excluding transportation, RFID and PayDirect)	25,000 MYR (excluding transportation, RFID and PayDirect)
Annual transaction limit	24,000 MYR (including transportation, RFID and PayDirect)	60,000 MYR (including transportation, RFID and PayDirect)	Up to 300,000 MYR (including transportation, RFID and PayDirect)
Features available	Make payments Reload RFID PayDirect Receive payments	Make payments Reload RFID PayDirect Send and receive payments	Make payments Reload RFID PayDirect Send and receive payments Premium product benefits

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Paying with TnG ewallet

Paying with the Touch ‘n Go eWallet is easy, and can be done with participating merchants both on and offline. If you’re shopping in person here in Malaysia, and want to pay using your TnG ewallet you’ll be able to either scan the merchant’s QR code, or have the merchant scan your personal QR code in the Touch ‘n Go app. Just look out for a sign with the Touch ‘n Go logo displayed near the checkout.

If you’re shopping in person overseas, TnG ewallet also has various partnerships with ewallet providers in 40+ countries. For example, if you’re in Singapore you can use your TnG ewallet where you see the NETS logo. In Thailand look out for PromptPay. And in a broad range of countries, including the EU, UK, US and China, you can use TnG wherever you see the Alipay Plus logo.

When you’re shopping online, using Touch ‘n Go is just as easy. If the merchant you’re buying from accepts Touch ‘n Go payments you’ll see the logo displayed when you get to the site’s checkout. Just select this option when it comes to time to pay, and follow the onscreen prompts to make your payment.

Transport - tolls, buses, trains, etc

You can use your Touch ‘n Go eWallet to buy train tickets online, although you’ll still need a physical Touch ‘n Go card to go cashless on the bus. Not all transport companies allow Touch ‘n Go payments - but it is pretty widely accepted, and far easier than carrying cash.

One of the biggest benefits of using your TnG ewallet might be through pairing your account with a TnG RFID tag for toll payments⁴. You can either have your RFID tag fitted professionally, or order for delivery and fit it yourself. Link your tag to the TnG ewallet, and you’ll be able to sail through the RFID gates instead of stopping to make manual toll payments. The RFID tag will make sure the correct payment is deducted from your Touch ‘n Go account - you just have to keep your wallet topped up, or use PayDirect for automatic top ups.

Parking

Touch ‘n Go cards are widely accepted for parking payments - and by adding your physical card to your TnG ewallet you’ll also be able to get PayDirect for automatic eWallet top ups⁵. This means you don’t need to worry about maintaining a balance in your account, you just link your preferred payment method to have your Touch ‘n Go account automatically topped up as needed.

Retail

Use your TnG ewallet to pay in participating merchant locations, with over 360,000 places to spend listed already⁶. All you’ll need to do is open the app when you reach the store’s checkout, scan the merchant’s code and confirm the payment amount. The funds will be automatically deducted from your ewallet seamlessly.

Shopping online

TnG ewallets can also be used to shop online with a broad range of merchants - including Lazada in Malaysia⁷. And if you’re wondering how to use Touch ‘n Go eWallet in Lazada the good news is that it’s easy. Do your online shopping as normal, and when you get to the checkout stage you’ll just need to select the option to view all payment methods. If you see Touch ‘n Go listed here, the merchant accepts eWallet payments, so all you’ll have to do is click and follow the onscreen prompts to pay.

It’s good to know that there are a couple of limitations when using TnG ewallets for online shopping. Firstly, you’ll need to double check if the individual merchant accepts this form of payment - and then you’ll have to have enough balance in your wallet to pay for your purchase in full. If you’re shopping with a merchant based overseas, they may well not accept Touch ‘n Go eWallet payments - or you might find you pay over the odds because of high currency conversion fees.

A smarter way to shop online with international retailers may be to get yourself a free Wise multi-currency account and card, which offers currency conversion with the real mid-market exchange rate and low, transparent fees. We’ll cover that option - and how it can help you save money - a little later.

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How to set up your TnG ewallet

Ready to get started with the TnG ewallet? Here’s all you need to do:

1. Download the TnG ewallet app onto your smartphone
2. Click Create Account within the app
3. Add your Malaysian or Singapore phone number to receive a one time password (OTP)
4. Enter the OTP when prompted to set your 6 digit PIN and security information
5. Enter your personal details, and complete the account verification process if you want to unlock full account features
6. You’re ready to go!

How to top up Touch ‘n Go online

You can add funds to your TnG ewallet online or in the app, and also link your enhanced Touch ‘n Go card to the eWallet to top up digitally. All you’ll need to do is link a credit card, debit card, or bank account to your eWallet, for easy in-app top ups.

How to reload a TnG ewallet with credit card

You can easily reload your TnG ewallet with a credit card in the app - just tap the reload button and enter the amount to top up. You’ll be prompted to enter your card information and confirm the payment.

How to link Touch ‘n Go card to the eWallet

Users Touch ‘n Go card are able to link this to the eWallet account for easy top ups and more features. This is what you need to do:

1. Go to Toll icon from App home page
2. Choose TnG Card
3. Click Add a New Card
4. Choose which card to add from the slider
5. Enter 10 digits serial number and click Submit
6. Enter 6 digits PIN and confirm

How to use Touch ‘n Go Visa card with ewallet

If you have a Touch ‘n Go account you can also apply for a Visa card to link to your ewallet. This is a more flexible card compared to the standard TnG card, as it can be used to pay anywhere you see the Visa logo displayed. You’ll be able to order your TnG Visa card from within your TnG account, and use your card to spend your ewallet balance in person and online. If you’re spending overseas you won’t pay a specific fee.

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🌍 Looking for a multi-currency wallet instead? Hold up to 40+ different currencies with the Wise account!

Get your free Wise account now

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Touch ‘n Go vs GrabPay vs Wise (formerly Transferwise) - eWallet comparison

Of course, Touch ‘n Go isn’t the only eWallet out on the market. And as more and more Malaysians embrace the benefits of going cashless, the chances are that more will appear on the scene in time.

However, not all eWallets are made equal so it’s best to compare a few eWallet providers before you pick the right one for you. To help you get started let's take a look at how Touch ‘n Go lines up with GrabPay and Wise, across a range of key features and benefits.

	Touch ‘n Go	GrabPay⁷	Wise
Currencies available	MYR only - make foreign remittances via AliPay	MYR only	40+ currencies including MYR, SGD, USD and more
Foreign transaction fees	Foreign transactions use the AliPay exchange rate⁸	If you use GrabPay internationally, a currency conversion fee may apply	Free to spend any currency you hold using your Wise card
Shop online	Yes	Yes - selected merchants	Yes - anywhere cards are accepted
Shop in person	Yes - selected merchants	Yes - selected merchants	Yes- anywhere cards are accepted
Pay on Lazada⁹	Yes	Not available	Yes
Pay on Shopee¹⁰	Not available	Not available	Yes
Send payments to others	Yes	Yes - recipient needs a Grab account	Yes - recipient does not need a Wise account
Rewards	Yes	Yes	Discounts from selected merchants are available

Learn more here about GrabPay in Malaysia

There’s no doubt that having access to an eWallet is handy - but which is the right one for you will boil down to how you expect to use it. In many cases, having more than one available eWallet is the very best way to maximise the opportunities and features available.

If you travel or shop online with retailers based internationally, you could be better off with the Wise multi-currency account and card. You’ll be able to open an account with Wise online and for free, to hold and handle 40+ currencies, and switch between them using the mid-market exchange rate. That can mean you save on the costs of currency exchange, and avoid expensive foreign transaction fees levied by banks.

Use your Wise account in person and online, anywhere that debit cards are accepted, manage your money on the go through the intuitive Wise app, and spend with your physical or virtual card all around the world. It couldn’t be easier.

Whether it's work, travel, a trip around the world, a semester abroad or just vacation - open your free Wise multi-currency account and save up on fees!

Learn more about Wise

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Frequently asked questions

How to get in touch with Touch ‘n Go customer service?

If you have questions about the Touch ‘n Go eWallet, there’s a dedicated Touch ‘n Go customer service number available¹¹:

• +603-5022 3888 (Mon-Sun 7.00am – 10.00pm)

You can also get in touch by completing an online form or through social media.

Which countries can use TnG ewallet?

Use your TnG ewallet for cross border payments through the TnG international partnerships with other networks and wallets like Alipay and NETS. You can use TnG to pay in countries including Singapore, Thailand, Indonesia, Australia, the UK, the US, the EU, China and more. In total, over 40 countries support TnG ewallet for in person spending.

How to ask Touch ‘n Go for a refund?

If your Touch ‘n Go physical card has been lost or stolen you might need to report this or ask for your money back. You can do this using the online refund form, or by emailing careline@touchngo.com.my.

How to check my balance on Touch ‘n Go?

You’ll be able to easily see your eWallet balance in the Touch ‘n Go app, and you can also use the app to check the balance of your linked physical Touch ‘n Go card. Do this by clicking on the TNG Card button from within the app, and following the prompts to enter the required details.

Where to get a statement for my Touch ‘n Go account?

Get a Touch ‘n Go statement from your account online or in the eWallet app. Look for the History tab and click on View Transactions to get started.

How to transfer from TnG ewallet to bank account

You can transfer money from TnG to a bank account using Duitnow. Look in the TnG app for the transfer option, and then select Duitnow. You’ll see a dropdown box which gives different options for the types of transfer available. Choose the best type for you, enter the amount to transfer, and follow the prompts to enter the required details.

How to transfer money from TnG card to ewallet?

If you have money on an older TnG card you may not be able to directly transfer it to your TnG ewallet yourself. If that’s the case you’ll have to apply for a refund on your existing card, which will then be deposited to your preferred account - which can include your ewallet. Contact TnG support to ask about your options based on the specific TnG card you hold.

How to delete my Touch ‘n Go eWallet account?

You can delete your Touch ‘n Go eWallet account online, or by calling Touch ‘n Go customer service on +603 5022 3888.

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Sources:

1. TnG card
2. TnG FAQ - What can I do with my TnG eWallet?
3. TnG FAQ - What are the limitations for usage?
4. Touch ‘n Go tolls
5. Touch ‘n Go PayDirect
6. TnG retail locations
7. Touch ‘n Go Lazada
8. GrabPay Malaysia
9. Touch ‘n Go - exchange rate
10. Lazada - payment methods
11. Shopee - payment methods
12. Touch ‘n Go customer service

Learn more about the benefits of Wise card in Malaysia