Touch 'n Go eWallet: Complete Guide 2026

What is Touch 'n Go eWallet?

Touch 'n Go eWallet (dompet digital / e-dompet) is Malaysia's most widely used e-wallet, operated by TNG Digital — a joint venture between Touch 'n Go and Ant Group (the company behind Alipay). It is available on iOS and Android.

Unlike the physical Touch 'n Go card (used at toll plazas), the eWallet is a mobile app that lets you:

• Pay at merchants via DuitNow QR or TNG QR code
• Pay bills (TNB, Maxis, Celcom, Digi, Unifi, water bills, PTPTN, income tax)
• Send money to other TNG eWallet users or to bank accounts via DuitNow
• Reload your physical TNG card
• Top up mobile prepaid lines
• Make online purchases via the TNG VISA Virtual Card
• Access GoRewards, GOprotect insurance, and GOinvest (for verified users)

How to Register

Registration is free and takes about 5 minutes. You need a Malaysian mobile number and your MyKad number.

1. Download the TNG eWallet app Available on the App Store (iOS) and Google Play Store (Android). Search for "Touch 'n Go eWallet." Make sure you download the official app from TNG Digital Sdn Bhd — there are fake clones in circulation.
2. Tap "Register" and enter your mobile number You will receive a 6-digit OTP via SMS. Enter it to verify your number.
3. Enter your full name and MyKad number (nombor kad pengenalan) Your name must match your MyKad exactly. Use your IC number without dashes (e.g., 900101123456).
4. Set a 6-digit PIN This PIN is used for every transaction. Do not use obvious combinations (e.g., 123456 or your birth year).
5. Set up your security phrase A personal security phrase that you will recognise when TNG contacts you — helps verify that communications are genuine.
6. Account created — Basic Tier Your account is now active with Basic Tier limits: RM200 wallet balance, RM500/month in transactions. To unlock higher limits, complete eKYC verification.

How to Top Up (Reload)

You can add money to your TNG eWallet through several methods:

Online Banking (FPX)

The fastest and most reliable method. No fee.

1. Tap "Top Up" on the TNG eWallet home screen Then select "Online Banking."
2. Select your bank Supported banks include Maybank, CIMB, RHB, Public Bank, Hong Leong, AmBank, Bank Islam, Bank Rakyat, BSN, and others.
3. Enter the amount and proceed You will be redirected to your bank's FPX payment page. Approve the transaction via your bank app or TAC.
4. Balance updated instantly The top-up reflects in your eWallet within seconds.

Debit or Credit Card

Supported for Visa and Mastercard debit/credit cards. Some banks may charge a cash advance fee on credit cards. Check with your bank before using a credit card.

Physical Touch 'n Go Card

You can transfer balance from your physical TNG card to your eWallet, or top up your physical card from the eWallet. Tap "Top Up" and select "TNG Card." You will need to tap the card against your phone's NFC reader.

Other eWallets or Cash

Cash top-ups are available at selected 7-Eleven stores, MyNews, and TNG reload points. Check the TNG eWallet app for the nearest reload point. A small fee (typically RM0.50–RM1) may apply.

eKYC: How to Verify Your Identity

eKYC (electronic Know Your Customer) is an identity verification process that unlocks higher wallet limits and additional features. It takes about 5 minutes and is done entirely within the app.

What you need

• Your physical MyKad (not a photocopy)
• A well-lit environment (the app takes a live photo of your card)
• Your phone's camera must be functional

1. Tap the profile icon and select "Verify Now" or "eKYC" It may also appear as a banner on your home screen. Go to Settings → My Account → eKYC Verification.
2. Scan the front of your MyKad Hold your MyKad flat and in good light. The app uses OCR to extract your name and IC number. Ensure the card is not blurry or obscured.
3. Scan the back of your MyKad Same process. Make sure the chip is visible and not covered.
4. Take a selfie The app uses facial recognition to match your face against your MyKad photo. Follow the on-screen instructions (look straight ahead, blink, turn slightly).
5. Submit and wait for approval Most eKYC verifications are approved instantly. In some cases it may take up to 1 business day if manual review is needed.

Wallet Limits & Transaction Limits

TNG eWallet has three account tiers, each with different limits set by Bank Negara Malaysia's e-money regulations:

How to Pay with TNG eWallet

Paying at Merchants (QR Code)

Most Malaysian merchants accepting TNG eWallet display a DuitNow QR code or a TNG-specific QR code.

1. Tap "Pay" on the TNG eWallet home screen This opens the QR scanner.
2. Scan the merchant's QR code Point your camera at the QR code displayed at the counter or on the sticker.
3. Enter the amount (if not pre-filled) and confirm Some merchants have fixed-amount QR codes. Others require you to enter the amount. Review the merchant name before confirming.
4. Enter your 6-digit PIN to approve Payment is deducted from your eWallet balance immediately.

Showing Your QR Code to be Scanned

Some merchants will scan your QR code instead. Tap "Receive" and show your QR code to the cashier.

Online Payments (TNG VISA Virtual Card)

For online purchases where TNG eWallet is not directly accepted, you can use the TNG VISA Virtual Card — a virtual Visa debit card linked to your eWallet balance. Available to eKYC-verified users. Find it under "My Cards" in the app.

Toll & Parking

TNG eWallet works at selected SMART Tunnel toll points and many parking facilities that support DuitNow QR or TNG QR. For highway toll lanes, the physical TNG card or TNG RFID is still required — the eWallet alone does not work at most toll plazas.

Sending Money to Others

Transfer to Another TNG eWallet User

Free, instant. The recipient must have a TNG eWallet account.

1. Tap "Transfer" on the home screen Select "TNG eWallet."
2. Enter the recipient's mobile number Their name will appear for confirmation if they have an account.
3. Enter the amount and confirm with your PIN Transfer is immediate.

Transfer to Bank Account (DuitNow)

Available to eKYC-verified users. You can transfer from your TNG eWallet to any Malaysian bank account using DuitNow. Select "Bank Transfer" or "DuitNow" under the Transfer section. Standard DuitNow fees may apply for some banks (typically free or RM0.10–RM0.50).

International Remittance (GOremit)

TNG eWallet supports international money transfers via GOremit to select countries. Available under the "More" section. eKYC verification required. Exchange rates and fees vary by destination country.

Bill Payments & What You Can Pay

Tap "Bills" or "Pay Bills" on the TNG eWallet home screen. eKYC verification is required for bill payments. You can pay:

The full list of billers is available in the TNG eWallet app under "Bills" — search by biller name or browse by category.

TNG eWallet vs TNG RFID: What's the Difference?

Many Malaysians confuse these two products. They are separate:

Lost Phone or Compromised Account

If you lose your phone or suspect your account has been accessed without authorisation:

Immediate steps

• Freeze your account immediately — call TNG eWallet customer service: 1-300-888-863 (available 24 hours). They can freeze your account without you needing the physical phone.
• Log in from another device — install TNG eWallet on a trusted device and log in with your registered mobile number. An OTP will be sent to your SIM (request your telco to block the lost SIM first if the phone is stolen).
• Change your PIN immediately after logging in on a new device.
• Report to PDRM if stolen — file a police report. TNG may require this if you need to dispute unauthorised transactions.
• Check your transaction history for any unauthorised payments and report them to TNG customer service.

Pro Tips

Complete eKYC before you need it

eKYC occasionally has backlog during peak periods and may take up to 1 business day. Complete it when you first register, not when you are standing at a cashier trying to pay a RM300 bill.

Enable GoRewards to collect points

GoRewards is TNG's loyalty programme. Every transaction earns points redeemable for cashback or vouchers. Enable it under the "Rewards" tab. There is no cost — it simply tracks your spending automatically.

Use the TNG VISA Virtual Card for online purchases

For e-commerce sites that do not accept TNG eWallet directly, your TNG VISA Virtual Card works anywhere Visa is accepted online. It draws from your eWallet balance and has the same fraud protections as a regular Visa card. No need to expose your bank debit card to new merchants.

Pay LHDN income tax directly via TNG

You can pay income tax (cukai pendapatan) directly through the TNG eWallet "Bills" section, selecting LHDN as the biller. This avoids the need to log in to MyTax or visit a bank. Your IC number is the reference number for LHDN payments.

Set a transaction PIN, not biometrics only

If you enable fingerprint or Face ID for payments, anyone who can unlock your phone can pay with your eWallet. Consider requiring PIN entry for larger transactions (above RM100) in the app's security settings.

Check the reload promotions tab

TNG eWallet regularly runs cashback promotions on top-ups, specific merchants, and categories (food delivery, petrol, groceries). Check the "Promotions" section in the app before a large payment — a 5–10% cashback promotion on an upcoming renewal can save real money.

Frequently Asked Questions

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