PERWIRA Wallet – usage, reloads, and limits

Summary

This article explains what PERWIRA Wallet is, what users can do with it, how reloading works, and the key balance limits and fees that agents should know during a call.

When to use this article

• User asks if PERWIRA Wallet is a bank account or earns interest.
• User wants to know how to reload and what the minimum reload is.
• User asks about wallet / virtual card maximum balance or fees.
• User asks where PERWIRA Wallet can be used (PERNAMA, QarQal, etc.).

Pre‑checks & verification

1. Confirm the user has a **PERWIRA App** account and has completed e‑KYC.
2. Check that PERWIRA Wallet is **activated** (not suspended/closed).
3. If the question is about a reload/transfer, open the latest wallet transactions in the internal system.

1. PERWIRA Wallet basics

• PERWIRA Wallet is an e‑money wallet, not a bank account.
• It is **non‑interest bearing** – no interest/returns on the balance.
• Funds are safeguarded in a **trust account** with a licensed financial institution and are segregated from operational funds.
• Designed for **transactions within the PERWIRA ecosystem**, not long‑term savings.

2. What users can do with PERWIRA Wallet

• Pay at Kedai PERNAMA (online and physical, where supported).
• Use for QarQal services (insurance/assistance related payments).
• Send and receive money between PERWIRA Wallet users.
• Make other in‑app payments (bill pay, reloads) as channels are rolled out.

3. Reloads and balance limits

Reload methods

• FPX / online banking (via MPay Balance Account)
• Linked CASA bank account (where enabled)
• Other approved top‑up channels listed in the app (e.g. ATM/CDM, agents)

Minimum reload

• Minimum reload amount: RM10 per top‑up.

Maximum balances

• PERWIRA Wallet (main e‑wallet): RM25,000 maximum balance at any time.
• PERWIRA Virtual Prepaid Card: RM10,000 maximum balance at any time.
• If the user hits these limits, they must spend or transfer funds before reloading again.

4. Key fees (high‑level)

Use this table during calls as a quick reference. For full details, always refer to the latest fee schedule in the official documents.

• Wallet joining fee: Free
• Wallet annual maintenance: RM6.00 / year
• Transfer to bank account: RM0.50 per transaction
• Wallet → wallet / card internal transfer: Free
• Statement request (monthly): RM5.00
• Wallet dormant fee after 7 years: RM10.00

For prepaid card:

• Card activation: Free (PERWIRA initiative)
• Card annual fee: RM6.00
• ATM withdrawal (local): RM2.00 per transaction
• ATM withdrawal (overseas): RM10.00 per transaction
• Card replacement: RM10.00
• Overseas FX fee: 1% of transaction (or minimum RM0.50 for small overseas Mastercard transactions in RM or equivalent).

5. What to say to the customer

Explaining what the wallet is

“PERWIRA Wallet is a secure e‑money wallet inside the PERWIRA Super App. It’s not a bank account and it doesn’t earn interest – it’s mainly for payments and transfers within the PERWIRA ecosystem.”

Explaining reloads and limits

“You can reload your PERWIRA Wallet using online banking and other channels. The minimum reload is RM10. You can keep up to RM25,000 in the wallet and up to RM10,000 on the virtual prepaid card at any one time.”

Explaining fees

“Most basic functions like wallet registration and internal transfers are free. There’s a small annual maintenance fee and some charges for bank transfers and ATM withdrawals. I can share the exact amounts with you if needed.”

6. System actions & documentation

• Check the user’s wallet status and recent reloads / transfers.
• Verify if any error message or failure is logged for a reload attempt.
• Record the explanation you gave about limits or fees in the call notes (especially if this is part of a complaint).