KDi GO users who are:
1. A Malaysian citizen with a valid MyKad; OR
2. A non-Malaysian with a valid Passport.
3. 18 years old or older.

1. Download the KDi GO app on Google Play or App Store
2. Register for a KDi GO account.
3. Once approved, go to Portfolio > Add an Account > Tap the Kenanga Money logo
4. Deposit RM100 to complete your registration
5. Your physical Kenanga Money card will arrive in 5-7 working days.
6. Activate your card via the KDi GO app

Pro-tip: RM40 will be deducted for card at time of sign up. It covers RM10: Annual fee, RM10: Card Issuance fee, RM20: refundable deposit (returned upon account closure) . The remaining RM60 will be available in your e-wallet for spending.

Yes! It would also be a good idea to start accessing and managing your Kenanga Money account via the KDi GO app.

For new KDi GO users:
1. Download the KDi GO app on Google Play or App Store
2. Sign up for an account. Ensure that you use the same email, mobile number, ID number, nationality as your Kenanga Money
3. Upon approval the account should automatically link.

For existing KDi GO users:Go to Portfolio > Tap the Kenanga Money logo.

A RM100 deposit is required as part of the application process. RM40 will be deducted for card issuance and a refundable deposit. The remaining RM60 will be available in your e-wallet for spending.

Once your account has been approved, you can use in app transactions. For on-ground transactions, a Kenanga Money Visa Prepaid Card is required and will be delivered approximately 5-7 working days from date of application approval.

Yes. Visit Kenanga Money Fees & Limits for the full list.

Within 5 – 7 working days (by post or courier).

1. Login to your KDi GO app, tap on “e-Wallet”
2. Tap = > Card Settings > New Card Activation.
3. Enter the last 4-digits of the Card.
4. Enter the last 4-digits of your MyKad.
5. Set your 6-digit card PIN and your card is activated.

Please contact Merchantrade Customer Service Helpdesk at +603 8313 8606

Just download the KDi GO app and you will get a seamless experience across your wallet, card and investment all with one login, one dashboard.

RM10,000.00 (RM9,980.00 to be exact as RM20.00 as your card deposit). For a higher limit to RM20,000, you will need to fulfil the following:

1. Have a minimum of 6 months active transaction history
2. An average e-Wallet balance of RM500.00.
3. Make a request.
   1. Go the Login to your KDi GO app, tap on “e-Wallet”
   2. Tap = > Card Settings > Upsize Wallet.

Can I increase my Kenanga Money limit?

Yes, up to RM20,000.00 (RM19,980.00 to be exact as RM20.00 as your card deposit) but upon request.

1. Go the Login to your KDi GO app, tap on “e-Wallet”
2. Tap = > Card Settings > Upsize Wallet.

Eligibility:
• Minimum 6 months active transaction history
• An average e-Wallet balance of RM500.00.

A push notification or SMS will be sent within 48 hours to inform you of your application status.

No.

1. Go the Login to your KDi GO app, tap on “e-Wallet”
2. Tap on “Top-up Money”

Deposit can be made via FPX, transfers via debit card, JomPAY, Internet Banking (CIMBClicks & Maybank2U), Merchantrade branches, Merchantrade ATM, Safeguards ATM, or Maybank Cash Deposit Machines.

Withdrawals can be made at Merchantrade, Safeguards ATM (more than 11,000 nationwide) & VISA Plus ATMs (more than 11,000* nationwide and more than 2.5 million worldwide).

Be advised that withdrawals fees will apply.

Yes. Click here for the full withdrawals fees list.

• For Internet Banking (M2U & CIMB Clicks): RM0.50
• For Internet Banking (FPX and JomPay): RM0.00
• For ATM (Merchantrade & Safeguards) : RM0.50 (effective 1st February 2026)

For other top-up method, please refer to here

Yes, wherever Visa is accepted.

There are no hidden forex or cross currency fees when paying in local currency provided you have preloaded the required funds for the local currency of the country you’re visiting. Just ensure sufficient funds in the corresponding wallet is available before spending.

If your balance in that currency is insufficient, the transaction will be processed using available funds in your e-Wallet at Visa’s conversion rate.

Yes.

It gives you the platform to buy and sell up to 20 currencies in-app anytime. This lets you lock-in the exchange rates and protect yourself against currency fluctuations. Funds loaded into your account does not expire.

US Dollar (USD), Singapore Dollar (SGD), British Pound (GBP), Australia Dollar (AUD), Indonesia Rupiah (IDR), Euro (EUR), Thai Baht (THB), Japanese Yen (YEN), Saudi Riyal (SAR), Chinese Renminbi (CNY), New Taiwan Dollar (TWD), Hong Kong Dollar (HKD), South Korean Won (KRW), Indian Rupee (INR), Philippines Peso (PHP), Canadian Dollar (CAD), New Zealand Dollar (NZD), United Arab Emirates Dirham (AED), Swiss Franc (CHF) and Vietnamese Dong (VND).

Yes.

1. Go the Login to your KDi GO app, tap on “e-Wallet”
2. Tap on “Multi Currency”

Prior to making the conversion, you will be able to review the exchange to determine how much you will get in local currency.

Do note that the total cumulative value of your multi-currency e-Wallet must not exceed your Kenanga Money’s overall limit in Ringgit Malaysia.

Cumulative value must not exceed the overall Kenanga Money wallet size limit in Ringgit Malaysia.

Unfortunately, this service is not available at this time. Please stay tuned.

Up to RM10,000.00 in the past 24 hours (not the calendar day).

A minimum Kenanga Money balance of RM20.00 must be maintained at all times.

Contactless payments on Kenanga Money of over RM250 will require PIN to execute the transaction.

Available funds will be refunded to the customer, after deduction of any applicable charges, within 15 business days.

However, the customer is still liable for all transactions that have been made with the Card prior to cancellation.

1. Go the Login to your KDi GO app, tap on “e-Wallet”
2. Tap = > Card Settings > Change Card Pin

1. Go the Login to your KDi GO app, tap on “e-Wallet”
2. Tap “Send / Pay”

If you want to request money, you’ll need to allow the app to access your contact list.

1. Go the Login to your KDi GO app, tap on “e-Wallet”
2. Tap = > e-Statement

Unfortunately, this service is not available at this time. Please stay tuned.

Immediately launch the KDi GO app to temporarily block your card or e-Wallet access.
1. Go the Login to your KDi GO app, tap on “e-Wallet”
2. Tap = > Card Settings > Kill Switch

Alternatively, call Merchantrade Customer Service at +603 8313 8606 or +603 8318 8606

1. Go the Login to your KDi GO app, tap on “e-Wallet”
2. Tap = > Card Settings > Change Card Pin

After 3 incorrect attempts, the Kenanga Money will be blocked for security reasons. Do contact Merchantrade Customer Service Help Desk immediately to unblock.

To avoid unauthorised access, you should immediately lock your Kenanga Money by either:
1. Contacting Merchantrade Customer Service Help Desk
2. Accessing KDi GO >> e-Wallet >> Go to = >> Card Settings >> Change Card Pin

Pro-tips:
• Do not use numbers that can be associated with you as significant personal dates (e.g. your birthday, anniversary, child’s birthday, telephone number, or ID)
• Do not keep a written record of your PIN
• Do not allow another person to see your PIN when you enter it
• Do not keep your PIN in a form that can be readily identified as a PIN
• Do not disclose your PIN to any other person
• Do not negligently or recklessly disclose your PIN

Change your Kenanga Money PIN using the KDi GO app and notify Merchantrade immediately if you become aware that your PIN has become known to someone else.

Yes. It offers bank-grade encryption and tokenization, biometric authentication, real-time fraud monitoring, consent-based partner linking, and instant in-app controls like a kill switch and what categories the funds should be spent on like online purchases, payWave, etc.

An account that has no transactions done for a continuous period of 12 months after the last initiated transaction. For more information, click here

It is a fixed period that applies when you newly register with us, switch devices, or increase transaction limits.

It helps prevent online banking fraud by protecting customers from scammers.

It acts as a security measure, giving customers time to take action, such as calling Merchantrade Customer Service or using the Kill Switch on the KDi GO app to temporarily block the e-Wallet before the new limits apply.

12 hours for e-KYC registrations, starting from the moment your registration is successful.

You will be able to log in to the mobile app but won’t be able to make payments or transfer money until the cooling-off period ends.

It lasts 12 hours after which, the account can be accessed from the new device.

Yes.

No, as it applies to all transfers, transaction and payWave limit increases without exceptions.