Step 1: Download the application

Go to the Play Store (Android) or App Store (Apple) on your phone to download the application for the e-wallet you would like to use. 

Step 2: Sign up

If you don’t already have an account with the e-wallet company, register for an account. You would usually have to provide an email address and phone number. E-wallets will also usually require you to upload a photo of yourself and your IC for verification. 

Step 3: Top-up your wallet

You’ll usually have to top up a minimum amount into your e-wallet, which can start from RM10 and can go up to RM50. 

There are a few ways to top up your e-wallet:

• You would usually have the option of linking one of your debit or credit cards, or an online bank account to your e-wallet. By linking your e-wallet to your cards or bank account, you won’t have to key in your payment details each time you want to reload, making it faster and more convenient for you to top up your e-wallet. 
• Some e-wallets like Boost and GrabPay allow you to enable ‘Auto Top-Up’, which lets your e-wallet reload automatically when your e-wallet balance reaches a minimum amount. You will be able to choose the minimum e-wallet balance that would activate the auto reload. You’ll also have to choose the auto reload amount you want. While most e-wallets have guaranteed that the information you key in will be secure, it’s best to read the fine print of the agreement before you do it. 
• Some of you might not be too comfortable with linking your cards or bank accounts. What you could do is make one off top-ups. So, you’d only reload the amount you need every time you want to use your e-wallet. This way, the e-wallet will not have any of your bank or card details. But, it will take more time to top up your e-wallet as you will have to key in the information each time. 

Step 4: Start using your e-wallet

Now that you have digital money in your wallet, you can start using it. Most e-wallets do not have a minimum balance you need to have in your e-wallet or a minimum amount you have to spend before you can use it. 

If you’re going to use it at a merchant that allows payments by e-wallets, they will usually have a QR code that you can scan at the cashier, or the cashier will scan the QR code in your e-wallet. 

Alternatively, you can use your e-wallets to make online purchases either on the e-wallet app itself or on third-party websites or e-commerce platforms. For payments on third-party websites or e-commerce platforms, your e-wallet provider would have to be partnered with the site or platform. Then, you would be able to link your e-wallet to the site/platform and make payments.