Membership Fees
Joining fee - Non-Personalised CardRM 10
Joining fee - Personalised Card (with name only)RM 10
Joining fee - Personalised Card (with name & photo)RM 18
Annual fee (First year Annual Fee is waived)RM 8 p.a.
Account Service FeeFREE
Card Replacement Fee
Top-Up Charges
Cash Withdrawal Charges
Overseas Transaction Service Fee
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.
 MinimumMaximum
Initial top-up* at Merchanttrade branchesRM 100Up to wallet size**
Subsequent top-ups at Merchantrade branchesRM 1Up to wallet size**
Withdrawal at Merchantrade branchesRM 1Up to wallet size**
Top-up through CIMB Clicks and M2USubject to the bank's min. limitUp to wallet size**
FPX & JomPayRM 1Up to wallet size**
Card-to-Card TransferRM 1Up to wallet size**
Domestic ATM Cash WithdrawalSubject to ATM's min. limitUp to wallet size** & subject to ATM's max. limit
Overseas ATM CAsh Withdrawal (VISA Plus Network only)Subject to ATM's min. limitUp to wallet size** & subject to ATM's max. limit
Point-of-sale TransactionNo minimumUp to wallet size**
E-CommerceNo minimumUp to wallet size**

** For wallet size of RM10,000 or RM3,000.
* 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