There are no charges or fees for any DuitNow QR transaction.

Are there additional charges incurred when using DuitNow QR?

No. DuitNow transfers are free of charge.

Is there a fee for DuitNow transfers with Setel e-Wallet?

DuitNow QR is the national QR standard that allows you to make payments to any participating bank and e-wallet merchant.
**NOTE
DuitNow QR is only available from app version 1.126 onwards.

What is DuitNow QR?

DuitNow QRs are displayed at any participating bank or e-wallet merchant's payment counters.

Where will I find the DuitNow QR?

<p data-pm-slice='1 1 ["table",{"isNumberColumnEnabled":true,"layout":"wide","__autoSize":false,"localId":"71d53ac9-fe11-4d93-a619-b4f58babad8e","width":952,"displayMode":null},"tableRow",null,"tableCell",{"colspan":1,"rowspan":1,"colwidth":null,"background":null}]'>No. DuitNow NAD &amp; Proxy Transfer via Setel app has no additional fees or charges.

Are there any fees or charges to use DuitNow NAD & Proxy Transfer?

Your account will be suspended if we have reasons to believe it has been compromised/hacked.
For more info on why your account is suspended, please reach out to our customer service via live chat/website or email us at <a href="mailto:hello@setel.com">hello@setel.com</a> for assistance.

Why is my DuitNow ID suspended?

Tap Profile.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27911960544013" alt="Register DuitNow ID 1.png">
<hr>
Tap DuitNow.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27911986904333" alt="Register DuitNow ID 2.png">
<hr>
Tap DuitNow ID.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27911986906253" alt="Deregister DuitNow ID 3.png">
<hr>
Tap the 3 dots icon.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27911986908685" alt="Deregister DuitNow ID 4.png">
<hr>
Tap Temporarily disable.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27911986912013" alt="Deregister DuitNow ID 5.png">
<hr>
Tap Disable and your DuitNow ID will be temporarily disabled.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27911960553869" alt="Disable.png">
<hr>
When you want to re-enable your DuitNow ID, just tap Enable now.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27911960556429" alt="Disable 2.png">

How do I temporarily disable/unlink my DuitNow ID?

<p data-pm-slice='1 1 ["table",{"isNumberColumnEnabled":true,"layout":"wide","__autoSize":false,"localId":"71d53ac9-fe11-4d93-a619-b4f58babad8e","width":952,"displayMode":null},"tableRow",null,"tableCell",{"colspan":1,"rowspan":1,"colwidth":null,"background":null}]'>No, this feature is unavailable for Family Wallet.

Can I use DuitNow NAD & Proxy Transfer with my Family Wallet?

There is no additional registration required. You will be able to scan a DuitNow QR via Setel to make payments.

Do I need to register to use DuitNow QR?

You can make payments to all DuitNow QR merchants from any bank or e-Wallet that DuitNow supports. For more info on what banks and e-Wallet service providers are available, check out <a href="https://www.duitnow.my/Transfer/index.html">DuitNow's website</a>.

Can I make payments to all DuitNow QR merchants from any bank or e-Wallet?

Your old DuitNow ID (mobile number) will automatically be unlinked. You will need to relink your new mobile number to your Setel account.

What happens to my DuitNow ID if I change my mobile number?

No. Transfers to personal DuitNow accounts are not eligible for Mesra Rewards points or cashback.

Do I get any Mesra Rewards points or cashback when I transfer to another personal DuitNow QR code?

DuitNow ID is a unique identifier which allows you to make instant and convenient transfers.
Some examples are:
<ul>
<li>Mobile number</li>
<li>NRIC number</li>
<li>Army or Police number</li>
<li>Passport number</li>
<li>Business registration number</li>
</ul>
Register your DuitNow ID now to receive funds in your Setel Wallet!

What is a DuitNow ID?

The linking might have failed due to the following reasons:
<ol>
<li>
Your NAD(NRIC, passport number, etc) information is incorrect Please contact our customer support via live chat/<a href="https://www.setel.com/">website</a> or email us at <a href="mailto:hello@setel.com">hello@setel.com</a> to re-verify your account again.</li>
<li>
Someone else has already claimed the mobile number as their DuitNow ID Please contact our customer support via live chat/website or email us at <a href="mailto:hello@setel.com">hello@setel.com</a> for assistance as there might be an issue with the database.</li>
<li>
You have recently changed your mobile number If you have not updated your registered mobile number with Setel, you can do so by referring to our article on <a href="https://help.setel.com/article/360057590992/how-do-i-change-my-mobile-number">how to change your mobile number</a>.</li>
<li>
You already have a linked mobile number as your DuitNow ID with Setel You will need to unlink your old mobile number from your Setel account. Check out our article on <a href="https://help.setel.com/article/27904548960141/how-do-i-permanently-unlink-my-duitnow-id">how to unlink your DuitNow ID</a>.</li>
</ol>

Why can't I link my DuitNow ID to my Setel account?

The DuitNow ID is invalid error is caused by not being able to find the recipient's DuitNow ID for the transfer.
Please make sure the recipient has done the following.
<ol>
<li>Registered their DuitNow ID with the same details they gave you.</li>
<li>Their DuitNow ID is active</li>
<li>The bank/e-Wallet account linked to the DuitNow ID is active</li>
</ol>

Why do I keep getting the DuitNow ID is invalid error message?

Yes. You will need to have at least
<ol>
<li>RM 0.01 in your wallet if you are using Setel app version 1.133.0 and above.</li>
<li>RM 1.00 in your wallet if you are using Setel app version 1.132.0 and below.</li>
</ol>

Is there a minimum wallet balance to use DuitNow QR?

Tap Profile.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27904548954637" alt="Register DuitNow ID 1.png">
<hr>
Tap DuitNow.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27904548955661" alt="Register DuitNow ID 2.png">
<hr>
Tap DuitNow ID.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27904548956685" alt="Deregister DuitNow ID 3.png">
<hr>
Tap the 3 dots icon.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27904548957325" alt="Deregister DuitNow ID 4.png">
<hr>
Tap Unlink from Setel.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27904587294989" alt="Deregister DuitNow ID 5.png">
<hr>
Tap Unlink and your DuitNow ID will be unlinked from your Setel account.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27904587295757" alt="Deregister DuitNow ID 6.png">

How do I permanently unlink my DuitNow ID?

No. Currently, DuitNow is only available for transfers within Malaysia.

Can I use DuitNow for international transactions?

DuitNow transfers are processed in real-time, and the recipient should receive the funds almost instantly.

How quickly will the recipient receive the funds?

Once you've entered the DuitNow ID, the app will display the name of the registered account holder. It is important that you check that the name corresponds to the intended recipient before proceeding to confirm the transfer.

How do I know I've entered the correct DuitNow ID when transferring?

<ol>
<li>Ensure your <a href="https://help.setel.com/article/27851849992973/how-do-i-link-my-duitnow-id-to-my-setel-account">DuitNow ID is enabled/registered</a>.</li>
<li>Go to your preferred internet banking account/e-Wallet and choose DuitNow transfer.</li>
<li>Enter your phone number and the amount you wish to transfer.</li>
<li>You will receive a push notification from Setel upon a successful transfer.</li>
</ol>
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851290799501" alt="Duitnow to bank.png">

How do I perform a DuitNow NAD & Proxy Transfer from my internet banking account to my Setel e-Wallet?

If your Setel e-Wallet is suspended, you will be unable to transfer funds via Duitnow Transfer.

If my Setel e-Wallet account is suspended, can I still transfer money via DuitNow Transfer?

You can only register for one DuitNow ID. Your mobile number registered with the Setel app will become your DuitNow ID.

How many DuitNow ID can I register?

Please update your Setel app to the latest version and give the app camera access. You will not be able to scan if the app does not have camera permission.
Do note that the following QR codes are not supported at the moment:
<ul>
<li>Dynamic QR code</li>
<li>Bank money transfer QR code</li>
</ul>

I can’t scan my personal DuitNow QR. What should I do?

DuitNow QR is only available on version 1.138.0 and above.
If your Setel app version is lower, you will need to update your Setel app through your respective app stores.

Do I need to update the Setel app to use DuitNow QR?

<p data-pm-slice='1 1 ["table",{"isNumberColumnEnabled":true,"layout":"wide","__autoSize":false,"localId":"71d53ac9-fe11-4d93-a619-b4f58babad8e","width":952,"displayMode":null},"tableRow",null,"tableCell",{"colspan":1,"rowspan":1,"colwidth":null,"background":null}]'>Your DuitNow ID will be deregistered automatically upon termination.

What happens to my DuitNow ID if I delete the Setel app?

<p data-pm-slice='1 1 ["table",{"isNumberColumnEnabled":true,"layout":"wide","__autoSize":false,"localId":"71d53ac9-fe11-4d93-a619-b4f58babad8e","width":960,"displayMode":null},"tableRow",null,"tableCell",{"colspan":1,"rowspan":1,"colwidth":null,"background":null}]'>Yes, you can. If you have previously registered DuitNow with a bank or an e-Wallet and the status is still active, you will be prompted to switch your DuitNow ID during the activation step.

Can I activate DuitNow with Setel if I have registered with another bank or e-Wallet?

If your DuitNow ID is inactive, you will need to activate it before switching over to Setel.
If your DuitNow ID is suspended, please contact the bank/e-Wallet it is linked with for assistance.

What should I do if my DuitNow ID (registered with another bank/e-Wallet) is inactive/suspended?

Currently, account verification is required to use the DuitNow transfer feature, and verification is only available for Malaysians with a Malaysian identity card.
We are working to bring this feature to those with international passports soon. Stay tuned!

I am a foreigner. Can I use the DuitNow transfer feature?

If your DuitNow ID is suspended, you cannot receive any funds.

Can I still receive money if my DuitNow ID is suspended?

Please reach out to our customer support via the live chat on the app/<a class="css-tgpl01" title="https://www.setel.com/" href="https://www.setel.com/" data-testid="link-with-safety" data-renderer-mark="true">website</a> or email us at <a href="mailto:hello@setel.com">hello@setel.com</a>. If the funds were deduced but failed to transfer to the merchant's account, we will refund the credits.

I had to pay again (double payment) because the merchant did not receive my first payment, what can I do?

Yes. An in-app notification will be sent for all successful DuitNow Transfer transactions if your notifications are enabled.
You can change the app’s notification settings in your phone settings.

Will I receive any notifications of payments received via DuitNow Transfer?

Once you've scanned a DuitNow QR, the name of the registered account holder will be displayed.
You must check that the name that appears is the intended recipient before proceeding to confirm the transfer.

How can I ensure that I've scanned the correct DuitNow QR when initiating a transfer?

Currently, account verification is required to use the DuitNow transfer feature, and verification is only available for Malaysians with a Malaysian identity card.
We are working to bring this feature to those with international passports soon. Stay tuned!
 
**NOTE
You will need to update your Setel app to at least version 1.132.0 to use DuitNow QR.

Who can use DuitNow QR?

Yes, you are required to do a one-time registration to link your DuitNow ID with your Setel Wallet if you wish to receive funds via the DuitNow NAD &amp; Proxy Transfer service.
However, if you only want to transfer funds, no registration is required.

Do I need to register for DuitNow ID with Setel to receive transfers?

To start, tap the Pay tab in the Setel app.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/21097973084045" alt="1.Pay Kedai Mesra.png" width="375" height="763">
<hr>
Tap the Scan QR code button.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/21097985495181" alt="Scan QR.png">
<hr>
You will have two options to scan the QR code:
<ol>
<li>Use your device's camera to scan the DuitNow QR code by pointing it towards the code.</li>
<li>Choose to scan a DuitNow QR code from your device's gallery if you have a saved image of the code.</li>
</ol>
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/21097968415629" alt="From camera.png" width="340" height="676"><img src="https://setelappsupport.zendesk.com/hc/article_attachments/21097943888525" alt="From files.png" width="325" height="662">
<hr>
Enter the amount that you want to transfer to the payee. Once you are done, tap Pay.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/21384344406797" alt="Pay.png">
<hr>
Review the payment details to ensure they are correct. Then, confirm the payment to complete the transaction. If the transaction is successful, you will see the payment successful screen.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/21097959725197" alt="Pay results.png">

How do I perform a DuitNow QR transfer to another person?

All DuitNow NAD &amp; Proxy Transfer should be processed or received by the recipient instantly. 
If you are experiencing the following scenarios, most probably a timed-out has happened between Setel and the recipient's bank/e-Wallet.
<ol>
<li>The recipient has not received the transfer amount.</li>
<li>The amount has been deducted from your Setel account.</li>
<li>The transfer status in your app is "Processing".</li>
</ol>
Don't worry as you should be receiving an update in the Setel app on the next business day about the status of the transfer. The transfer will either be processed or refunded.
<ul>
<li>
Processed The recipient's bank/e-Wallet has received the transfer request and will proceed with crediting it to the recipient's account</li>
<li>
Refunded The amount is refunded and credited back into your Setel account. </li>
</ul>
If you need any assistance, please contact our customer support via live chat/website or email us at <a href="mailto:hello@setel.com">hello@setel.com</a> to

Why is my DuitNow NAD & Proxy Transfer stuck in the processing status?

Currently, only business-registered QR codes are available for scanning. You will not be able to transfer money using any personal QR codes.
But don't worry! Personal registered QR codes will be coming soon.

Why can't I scan certain DuitNow QR codes?

For DuitNow Business QR, this transfer limit is personalized based on your account, how you spend, and our internal policies to keep things safe. This helps prevent unauthorized transactions, combat risks from money laundering and illicit activities, and keeps your money secure.
If you have reached your DuitNow transfer limits, check out our article on <a href="https://help.setel.com/article/24733115581325/what-should-i-do-if-i-reach-my-duitnow-transfer-limit">what you can do if you reach your DuitNow transfer limit</a>.
 
For DuitNow QR transfer (to another person) and Proxy Transfer, verified accounts can update the following transaction limit up to RM500 or RM2000 each. The maximum limit is subject to your spending patterns and monthly usage.
<ol>
<li>Daily spending limit</li>
<li>Single transaction limit</li>
</ol>
Please note that this transaction limit is still bound to the wallet limit and spending limit. Check out our article on<a href="https://help.setel.com/article/24239696380941/how-do-i-manage-my-duitnow-transaction-limits"> how to change your DuitNow transaction limit</a>.

What is my DuitNow transaction limit?

Yes, you can <a href="https://help.setel.com/article/360013006051/how-can-i-view-the-transaction-history">view your DuitNow transaction history </a>within the payment history section of the Setel app. It provides a record of all your past transactions for your reference.

Can I view the transaction history of my DuitNow transfers in the Setel e-Wallet app?

DuitNow NAD &amp; Proxy Transfer offers a convenient way for you to transfer funds 24/7. You can simply enter the recipient’s mobile number or other personal identification (NRIC number, passport number, business registration number, army/police number) without needing to know the recipient’s bank account number or bank name.

What is DuitNow NAD (National Addressing Database) & Proxy Transfer?

DuitNow transfers are only available for verified Setel users.

My Setel e-Wallet account is not verified yet, can I send money via DuitNow?

Unfortunately, this function is not supported yet.
To complete a DuitNow QR payment to the merchant, you will need to scan the merchant's QR code instead to allow the deduction to happen in your Setel account.

Can merchants scan my Setel personal DuitNow QR code?

In case of any discrepancies or delays, please e-mail us at <a class="css-tgpl01" title="mailto:hello@setel.my" href="mailto:hello@setel.my" data-testid="link-with-safety" data-renderer-mark="true">hello@setel.com</a> for further assistance. Please include the transaction details in the email to speed up the process.

What should I do if a DuitNow transfer made through Setel e-Wallet is not reflected in the recipient's account?

**NOTE
You will need to verify your account before you can link your DuitNow ID.
Tap Profile.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851862988173" alt="Register DuitNow ID 1.png">
<hr>
Tap DuitNow.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851849976845" alt="Register DuitNow ID 2.png">
<hr>
Tap Link now.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851862991501" alt="Register DuitNow ID 3.png" width="345" height="686"><img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851849979661" alt="Register DuitNow ID 4.png" width="345" height="686">
<hr>
Read the terms and conditions. Tap Confirm once you are done.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851849984525" alt="Register DuitNow ID 5.png">
<hr>
Enter your passcode.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851862996749" alt="Register DuitNow ID 6.png">
<hr>
You will see an enabled tag once your registration is successful.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851863002125" alt="Register DuitNow ID 7.png">

How do I link my DuitNow ID to my Setel account?

**NOTE
You will need to verify your account before you can use the DuitNow NAD &amp; Proxy Transfer.
Tap Pay.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851050049421" alt="Duitnow to bank 1.png">
<hr>
Tap DuitNow Transfer.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851050056973" alt="Duitnow to bank 2.png">
<hr>
Select transfer type.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851050059405" alt="Duitnow to bank 3.png">
<hr>
Enter the details of the recipient for the transfer type.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851050062861" alt="Duitnow to bank 4.png">
<hr>
Enter the amount you wish to transfer, then tap Continue.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851042208141" alt="Duitnow to bank 5.png">
<hr>
Make sure the details are correct, then tap Transfer.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851050067725" alt="Duitnow to bank 6.png">
<hr>
Enter your passcode.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851042214157" alt="Duitnow to bank 7.png">
<hr>
You will get a receipt of the transaction once it has been processed.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/27851050071949" alt="Duitnow to bank 8.png">

How do I perform a DuitNow NAD & Proxy Transfer from my Setel Wallet to my internet banking account?

<h4 id="h_01HCHNJBJ7A53HT4FCKDEDGKZ2">**NOTE</h4>
You can only change your limits twice a day and your account needs to be verified.
Tap Profile at the bottom right.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/24272831046285" alt="1 Home.png">
<hr>
Tap DuitNow under Payments.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/24272831046925" alt="2 Profile.png">
<hr>
Tap Transaction limit.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/24309729095181" alt="3 DuitNow.png">
<hr>
Use the slider to set your limits. Daily spending is the maximum amount you can transfer in a day while single transaction limit is the amount you can transfer per transaction.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/24309758616589" alt="4 Txn limit.png">
<hr>
Tap Confirm to set the limit.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/24309729099533" alt="5 Confirm.png">
<hr>
Enter your passcode.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/24272856512141" alt="6 Passcode.png">
<hr>
You will see this toast message if the limit was set successfully.
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/24272856515981" alt="7 Success toast.png">

How do I manage my DuitNow transaction limits?

Once a DuitNow transfer is initiated, it's not possible to cancel or reverse the transaction.
Make sure to double-check the recipient's details before confirming the transfer.

Can I cancel or reverse a DuitNow transfer?

If you hit your transaction limit, consider using another payment method. It's an extra layer of protection to help keep your transactions risk-free.

What should I do if I reach my DuitNow transfer limit?

<h3 id="h_01HEPGYK819ERM5TZ6S9HB690F">Transferable balance</h3>
<ol class="guide-markup">
<li class="guide-markup">Transferable balance refers to the e-Wallet balance coming from online banking, DuitNow transfers, or manual credit card top-ups.</li>
<li class="guide-markup">You can use your transferable e-Wallet Balance to transfer money to:
<ul class="guide-markup">
<li class="guide-markup">Local Bank</li>
<li class="guide-markup">Another person's account via DuitNow transfer</li>
</ul>
</li>
</ol>
<h3 id="01HJJ0VYWZRBT6AWQKE6ZMWT4G" class="guide-markup">Non-transferable balance</h3>
<ol class="guide-markup">
<li class="guide-markup">Non-transferable balance refers to the e-Wallet balance coming from debit cards, auto top-ups with credit cards, Setel cashback, other e-Wallets, vouchers, government initiatives, or Mesra Rewards Points redemption.</li>
<li class="guide-markup">You cannot use your non-transferable e-Wallet Balance to transfer money.</li>
</ol>
<img src="https://setelappsupport.zendesk.com/hc/article_attachments/32537553748237" alt="transferable fund.png" width="375" height="746">

What are transferable and non-transferable balances?

eBeliaRahmah FAQ

eBeliaRahmah FAQ (English)

https://help.setel.com/topics/24447227733517/automated_parking

Help topics