An e-wallet is a mobile app that you can keep money in – think of it as your physical wallet stored in your smartphone. You can use it to make payments or transfer money digitally. 

E-wallets mainly work on a prepaid basis, so you would have to load your e-wallet with money before being able to use it. You can load and reload/top-up your e-wallet using your debit or credit card or online banking. Once you have loaded it, you can use your e-wallet at any store that accepts it. 

Usually, you can pay by scanning a QR code at the cashier. But, some e-wallets come with cards. For example, BigPay and the Maybank e-wallet, MAE, will give you a card that you can use like a regular debit card, allowing you to make transactions even without your mobile device. Usually, these cards are linked to your e-wallet. So, to link them, you will have to make sure your e-wallet is topped up which you could do by online banking or for some, banking in money through a cash deposit machine.