Going Cashless in Malaysia: Which E-Wallets and Accounts Can You Open?

Payments Guide 2026

Going Cashless in Malaysia: Which E-Wallets and Accounts Can You Open?

Bank accounts, digital banks and e-wallets explained for Malaysians, foreign workers and expats, and tourists, with requirements, limits and safety tips.

See the Comparison Table

Malaysia has become one of Southeast Asia's most cashless markets. You can buy nasi lemak at a roadside stall, pay highway tolls or send money to a friend with a quick phone scan.

Malaysia has become one of Southeast Asia's most cashless markets. You can buy nasi lemak at a roadside stall, pay highway tolls or send money to a friend with a phone scan. The accounts you can open, though, depend on whether you are a Malaysian citizen, a foreign worker or expat living here, or a tourist passing through.

Which one are you?

Malaysian citizen with a MyKad, looking for the best bank app or e-wallet Foreign worker, expat or student living in Malaysia with a valid pass Tourist or short-term visitor who wants to pay without carrying much cash

Jump to your section, or read on for the basics first.

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The Backbone: DuitNow and FPX

Two national payment systems sit behind almost every cashless payment in Malaysia.

DuitNow QR

One national QR code that works with participating bank and e-wallet apps. PayNet reported more than 2.9 million DuitNow QR merchants in February 2026.

DuitNow Transfer

Instant money transfers between Malaysian bank accounts using a mobile number, NRIC number or account number.

FPX

The standard for online checkout. Pay straight from your bank account without entering card details, with instant confirmation.

In practice, almost any Malaysian bank app or e-wallet can pay almost any shop that shows a DuitNow QR code.

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Options for Malaysians

Malaysians have the widest choice. A normal bank account is the foundation, and bank apps such as MAE by Maybank and CIMB OCTO can already pay DuitNow QR merchants directly.

Digital banks such as GXBank, AEON Bank, Boost Bank and KAF Digital offer app-only accounts, often with no minimum balance and daily interest. These are usually for citizens only. GXBank, for example, needs a valid MyKad, a Malaysian mobile number, an email address and an existing account at another Malaysian bank.

The main e-wallets:

🚗

Touch 'n Go eWallet

The all-rounder: tolls, parking, public transport, bills and QR payments, plus savings and insurance products.

🍔

GrabPay

Best if you already use Grab for rides and food delivery.

⛽

Boost

Strong adoption in food, retail and petrol payments.

🛍️

ShopeePay

Mainly for Shopee shoppers who want vouchers and coin cashback.

🛢️

Setel

Built for paying for petrol at Petronas stations.

Malaysians verify with their MyKad and a selfie (eKYC). Verification raises wallet limits and unlocks transfers.

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Options for Foreign Workers, Expats and Students

If you live in Malaysia with a valid pass, you can open a local bank account using your passport instead of a MyKad. Maybank, CIMB, Public Bank and HSBC Malaysia all accept foreign applicants.

Documents Usually Required for a Bank Account

Bring these to the branch. Most banks still need an in-person visit to verify your identity.

Passport Employment Pass or work permit Student Pass (for students) Tenancy agreement or utility bill Employer or university letter (sometimes)

Note: basic bank account products are usually reserved for citizens and permanent residents.

Once your account is open, you get the same DuitNow, FPX and QR functions as locals. For e-wallets:

E-wallet	What foreigners need
Touch 'n Go eWallet	Passport plus a live selfie. A local mobile number is generally needed to register.
ShopeePay	MyPR card, passport or UNHCR document.
GrabPay	Passport for registration and verification.
Boost	A valid Malaysian mobile number. Identity can be verified with a passport.

Tip: Get a local prepaid SIM first. Most e-wallets use your Malaysian phone number as your account ID and send the OTP to it.

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Options for Tourists and Short-Term Visitors

Tourists usually can't open a Malaysian bank account, but there are still easy ways to pay. Try them in this order:

1

Use your home-country wallet

Many foreign wallets now work at Malaysian DuitNow QR merchants. Travellers using participating Alipay+ apps from 10 countries and regions can pay at more than 2.5 million DuitNow QR points, and Indian travellers are expected to gain access through supported UPI apps. Cross-border QR links also cover Singapore, Thailand and Indonesia. Check your wallet's overseas settings before you travel.

2

Open a Touch 'n Go tourist account

Touch 'n Go has a tourist tier with an RM5,000 wallet and monthly limit and an RM60,000 annual limit, with transfers allowed. You need a passport valid for at least six months, and you can top up with a foreign card.

3

Carry a card and some ringgit as backup

Visa and Mastercard work at hotels, malls, supermarkets and most restaurants, and contactless is standard. Cash is still needed at some markets and in rural areas, and not every foreign wallet works at every QR location.

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Quick Comparison: Who Can Open What?

Option	Malaysians	Foreign residents	Tourists
Traditional bank account	YesMyKad	YesPassport + valid pass, branch visit	Generally no
Digital banks	Yes	Usually no	No
Touch 'n Go eWallet	Yes	YesPassport	YesTourist tier
GrabPay	Yes	YesPassport	LimitedCheck the app
Boost	Yes	YesNeeds a Malaysian number	Limited
ShopeePay	Yes	YesPassport, MyPR or UNHCR	Limited
Home wallet (Alipay+, UPI)	N/A	N/A	YesWhere supported
Visa / Mastercard	Yes	Yes	Yes

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Wallet Limits: Why You Should Verify

Unverified wallets are heavily capped. Touch 'n Go's account tiers show the difference:

Touch 'n Go account	Wallet limit	Monthly limit	Transfer out
Lite (unverified)	RM200	RM200	Not allowed
Tourist / UNHCR	RM5,000	RM5,000	Allowed
Verified (eKYC)	RM20,000	RM120,000	Allowed

Watch for small fees too: Touch 'n Go charges 1% for reloads by credit card, and RM2.50 for each year to inactive accounts.

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Safety Tips for Everyone

• Never share your OTP or PIN. Banks and e-wallets will never ask for it.
• Turn on biometric login. Also switch on transaction notifications so you see every payment.
• Keep e-wallet balances small. Hold only everyday spending money in e-wallets and keep larger amounts in your bank account.
• Check the merchant name. Confirm the name on screen before paying by QR.
• Report scams fast. Contact your bank or wallet provider immediately, or call the National Scam Response Centre at 997.

The Bottom Line

• Malaysians: bank apps, digital banks and every e-wallet are open to you.
• Foreign residents: open a bank account with your passport and work permit/pass, get a local SIM, then register on Touch 'n Go or GrabPay.
• Tourists: check if your home wallet works on DuitNow QR, consider a Touch 'n Go tourist account, and carry a credit/debit card issued in your home country and or change the cash into Malaysian Ringgit.

Information current as of September 2026. Requirements and limits change often, so confirm the latest rules in each provider's app before signing up.

Ishtiaq Ahmad on September 24, 2026

Tired of Doing Payroll in Excel? There's a Better Way - Nomads Payroll

Made for Malaysian Businesses

Tired of Doing Payroll in Excel?
There's a Better Way.

Meet the HR & Payroll system built specifically for Malaysian companies — EPF, SOCSO, EIS, and PCB handled automatically, every month, without spreadsheets.

Start Free Today

If you're still running payroll manually — copying salary figures into Excel, calculating EPF contributions by hand, then emailing payslips one by one — you already know how painful it is.

Every month it's the same story: hours of work, easy to make mistakes, and a constant worry about getting the statutory submissions right. We built our HR & Payroll system to solve exactly this — for startups, SMEs, retail operations, and manufacturing companies across Malaysia.

Sound familiar?

You spend half a day every month manually calculating EPF, SOCSO, EIS, and PCB for each employee

A new employee joins mid-month and you're not sure how to prorate their salary correctly under the Employment Act

Your employees keep asking for their payslips and you have to dig through old files to find them

You're never 100% sure your PCB calculation is right, and the LHDN penalty risk keeps you up at night

Tracking leave, attendance, loans, and overtime across multiple spreadsheets is a mess

If any of those hit close to home, you're in the right place. Let us show you how we fix each one.

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Everything you need, in one place

Automatic Payroll Calculation

Run payroll in minutes. The system calculates basic salary, allowances, overtime, deductions, and all statutory contributions automatically for every employee.

Professional Payslips

Generate and email payslips as PDF to every employee in one click. Employees can also download their own payslips from the self-service portal anytime.

Leave Management

Employees apply for leave online. Managers approve or reject from the dashboard. Annual leave, sick leave, emergency leave — all tracked automatically.

Attendance Tracking

Track daily attendance with QR code check-in. Employees scan a QR code on their phone — no hardware needed. OT hours feed directly into payroll.

Employee Loans

Manage staff salary advances and loans with automatic monthly deduction scheduling. Full loan history, balance tracking, and approval workflow included.

Payroll Reports

Generate payroll summary, bank payment listings, cost analysis, and statutory contribution reports — all exportable to Excel or PDF.

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100% Malaysian Statutory Compliance

This is where most payroll systems fall short. Ours is built from the ground up for Malaysian law.

EPF (KWSP) — correct rates for all age groups including 60+ SOCSO (PERKESO) — Borang 8A auto-generated EIS (SIP) — calculated and reported automatically PCB / MTD — full LHDN formula with TP1 reliefs and children Form EA — generated per employee for annual tax filing Form E — company annual return, ready to submit CP39 — PCB text file for LHDN e-filing upload EPF TXT file — bulk upload format for i-Akaun

When statutory rates change — like the EPF rate update for employees aged 60 and above — we update the system so you don't have to worry about it.

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How it works

Getting started takes less than 10 minutes. Here's the flow:

1

Register your company

Sign up with your company name and email. Your account is reviewed and approved within one business day.

2

Set up your payroll policy and work schedules

Choose your salary proration method (EA 1955 standard: ÷26), define your work schedules (5-day, 5.5-day, 6-day), and configure public holidays for your state.

3

Add your employees

Enter each employee's details — salary, EPF number, IC number, bank account, PCB reliefs, work schedule. Or invite them to fill in their own profile.

4

Run payroll every month

Click Run Payroll, select the month, review the auto-calculated figures, and finalise. Payslips are ready to email or download in seconds.

5

Download statutory reports

Generate your EPF, SOCSO, EIS, and PCB contribution files. Download the bulk upload TXT files and submit directly to the respective portals.

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How we compare to doing it manually

Task	Excel / Manual	Our System
EPF / SOCSO / EIS calculation	Manual lookup + formula	Automatic
PCB / MTD tax deduction	Error-prone manual calc	Full LHDN formula
Mid-month joiner proration	Calculated manually each time	Automatic by joining date
Payslip generation	Design + print individually	PDF in one click
EPF / SOCSO submission file	Type manually into portal	Download ready-to-upload TXT
Leave tracking	Separate spreadsheet or paper	Built-in with approval workflow
Employee self-service	Not available	Portal for payslips + leave + attendance
Attendance + OT tracking	Manual timesheet	QR check-in → auto OT calculation
Form EA / Form E	Hours of manual data entry	Generated from payroll data

"Before this, I was spending almost a full day every month just on payroll — calculating EPF, checking SOCSO tables, printing payslips. Now it takes me maybe 20 minutes. I run payroll, review the numbers, click finalise, and send. Done."

— HR Manager, manufacturing company, Selangor

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Who is this for?

Small Businesses

5–50 employees. You need payroll done right but can't afford a full HR department. This is built for you.

Startups

Growing fast and hiring quickly. Get a proper payroll system in place before the spreadsheet chaos starts.

Growing SMEs

50–200 employees across multiple departments. Multi-department management, roles, locations, and shift schedules all supported.

Whether you're in retail, F&B, manufacturing, services, or tech — if you have employees in Malaysia and you pay them a salary, this system works for you.

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A few things worth mentioning

• Cloud-based. Nothing to install. Access from any browser, on any device, from anywhere. Your data is always backed up.
• Multi-user access. Invite your HR team, finance staff, and managers with different permission levels. Everyone sees only what they should.
• Employee self-service portal. Employees log in to view their own payslips, apply for leave, and check their attendance. Fewer questions to HR every month.
• QR attendance. No clocking machine needed. Print a QR code, stick it on the wall, and employees check in with their phone. OT is calculated automatically.
• Always up to date with Malaysian law. EPF rate changes, SOCSO updates, LHDN PCB formula revisions — we update the system so you don't have to.
• Your data, your company. Every company's data is completely isolated. Your employee and payroll data is never shared or visible to other companies on the platform.

Ready to stop doing payroll the hard way?

Join Malaysian businesses that have already switched to smarter, faster payroll. Sign up takes less than 2 minutes.

Create Your Free Account

No credit card required  ·  Setup in under 10 minutes  ·  Malaysian statutory compliant

Ishtiaq Ahmad on August 01, 2026

Ufone & Zong Embracing the Future of Communication the VoLTE Lunch

 In the ever-evolving landscape of telecommunications, Voice over Long-Term Evolution (VoLTE) has emerged as a transformative technology, reshaping the way we connect and communicate. As we delve into the details of this groundbreaking advancement, let's explore why the VoLTE lunch is becoming a pivotal moment in the world of connectivity.

Zong has started its VoLTE roll-out by launching its services in major cities, namely Karachi, Lahore, Islamabad, Rawalpindi & Peshawar and The Ufone VoLTE service is currently available for a selected range of handsets in Pakistan. Users may check their handset’s compatibility and receive necessary software updates to access Ufone VoLTE service.

Why do we need VoLTE?

VoLTE Unveiled: A Brief Overview

VoLTE, or Voice over Long-Term Evolution, represents a leap forward in voice communication technology. Unlike traditional voice calls that operate on circuit-switched networks, VoLTE utilizes the high-speed data networks of 4G LTE for an enhanced calling experience. This translates to clearer voice quality, faster call setup times, and the ability to simultaneously enjoy voice and data services.

The VoLTE Lunch Experience

Imagine a lunch gathering where colleagues, friends, or family members come together to enjoy a meal, share stories, and connect. Now, add VoLTE to the mix, and you'll experience a new dimension of communication during your lunchtime rendezvous.

Crystal Clear Conversations: VoLTE ensures that every word spoken during your lunch conversations is crystal clear. The superior voice quality eliminates the frustration of misheard words or muffled conversations, making lunchtime discussions more enjoyable.

Faster Call Setup: With VoLTE, the days of waiting for a call to connect are a thing of the past. The technology boasts faster call setup times, allowing you to make and receive calls almost instantly. This efficiency adds a seamless element to your lunchtime communications.

Simultaneous Voice and Data: Picture this: you're at a lunch meeting, and you need to look up important information while on a call. VoLTE allows you to seamlessly use voice and data services simultaneously, enabling multitasking without compromising the quality of your conversation.

VoLTE and the Future of Communication

The adoption of VoLTE is not merely a technological upgrade; it signifies a shift toward a more integrated and efficient communication ecosystem. As more networks worldwide embrace this technology, users can expect an elevated standard for voice communication, even in the most casual settings, such as a lunch outing.

Challenges and Considerations

While the benefits of VoLTE are substantial, it's essential to acknowledge potential challenges. VoLTE relies heavily on 4G LTE networks, and areas with limited coverage may experience service issues. Additionally, the compatibility of devices and network infrastructure plays a crucial role in ensuring a seamless VoLTE experience.

Conclusion

The VoLTE lunch is not just a catchy phrase; it represents how technology continues to shape and enhance our everyday experiences. As we embrace the era of VoLTE, our lunchtime conversations become more vibrant, efficient, and enjoyable. So, the next time you gather with friends for a meal or join a virtual lunch meeting, savour the enhanced communication experience that VoLTE brings.

All logos & web links are the property of their respective owner & shared for lawful purposes, any misuse may lead to legal actions.

Ishtiaq Ahmad on December 25, 2023

How to Set Up Bip Wi-Fi Calling on Jazz Network

In today's rapidly advancing technological landscape, the convenience of Wi-Fi calling has revolutionized the way we communicate. With the Jazz Network, you can enjoy seamless voice calls over Wi-Fi using the innovative "Bip" feature. This article will guide you through the simple process of setting up Bip Wi-Fi Calling on the Jazz Network, ensuring you stay connected no matter where you are.

Table of Contents

1. Introduction
2. What is Wi-Fi Calling and Why It Matters
3. Benefits of Bip Wi-Fi Calling on Jazz Network
4. Checking Device Compatibility
5. Activating Bip Wi-Fi Calling
6. Configuring Bip Wi-Fi Calling Settings
7. Making and Receiving Calls with Bip Wi-Fi Calling
8. Troubleshooting Common Issues
9. Security and Privacy Considerations
10. Conclusion
11. FAQS

Introduction

In an era where staying connected is essential, Wi-Fi calling has emerged as a game-changer. Jazz Network's Bip Wi-Fi Calling feature takes this convenience a step further, allowing users to make and receive crystal-clear calls over Wi-Fi connections.

What is Wi-Fi Calling and Why It Matters

Wi-Fi Calling is a technology that enables voice calls to be transmitted over a Wi-Fi network instead of a traditional cellular network. This proves especially beneficial in areas with weak cellular signals. It ensures uninterrupted communication and often results in better call quality.

Benefits of Bip Wi-Fi Calling on Jazz Network

Bip Wi-Fi Calling offers a range of advantages. It eliminates the need for additional apps or third-party services, simplifying the process. Moreover, it enables you to make international calls without incurring high roaming charges. The service seamlessly switches between Wi-Fi and cellular networks, guaranteeing a consistent calling experience.

Checking Device Compatibility

Before setting up Bip Wi-Fi Calling, ensure your device is compatible with the feature. Most modern smartphones and tablets support this functionality. However, it's recommended to check Jazz Network's official website for a list of compatible devices.

Activating Bip Wi-Fi Calling

Activating Bip Wi-Fi Calling is straightforward. Follow these steps:

1. Go to your device's settings.
2. Select the "Phone" or "Connections" option, depending on your device.
3. Look for the "Wi-Fi Calling" or "Bip Calling" option.
4. Toggle the switch to enable Bip Wi-Fi Calling.

Configuring Bip Wi-Fi Calling Settings

Once activated, you can customize the settings for Bip Wi-Fi Calling:

1. Open the Wi-Fi Calling settings.
2. Choose preferences like "Wi-Fi Only" or "Wi-Fi Preferred."
3. Select whether you want to receive calls when your phone is in airplane mode.
4. Set up emergency call preferences.

Making and Receiving Calls with Bip Wi-Fi Calling

Using Bip Wi-Fi Calling is just like making regular calls. When you're connected to a Wi-Fi network and have Bip Wi-Fi Calling enabled, your calls will automatically be routed through Wi-Fi. To the recipient, there's no noticeable difference in call quality.

Troubleshooting Common Issues

If you encounter issues with Bip Wi-Fi Calling, try the following:

• Restart your device and router.
• Update your device's software.
• Ensure you're connected to a stable Wi-Fi network.

Security and Privacy Considerations

Jazz Network prioritizes the security of Bip Wi-Fi Calling. All calls are encrypted to protect your privacy. However, it's still advisable not to share sensitive personal information during calls.

Conclusion

Bip Wi-Fi Calling on the Jazz Network is a breakthrough feature that enhances your communication experience. It bridges the gap between cellular and Wi-Fi networks, ensuring you're always connected. Activate it today and enjoy seamless, high-quality calls wherever you go.

FAQs

1. Can I use Bip Wi-Fi Calling while roaming internationally? Yes, Bip Wi-Fi Calling allows you to make international calls without high roaming charges.

2. Is Bip Wi-Fi Calling available on all devices? Most modern smartphones and tablets are compatible with Bip Wi-Fi Calling. Check the Jazz Network's website for a comprehensive list.

3. How does Bip Wi-Fi Calling impact call quality? Bip Wi-Fi Calling often results in better call quality, especially in areas with weak cellular signals.

4. Can I make emergency calls using Bip Wi-Fi Calling? Yes, you can set up emergency call preferences in the Bip Wi-Fi Calling settings.

5. Is Bip Wi-Fi Calling secure? Yes, all Bip Wi-Fi Calling calls are encrypted for enhanced security.

Aqsa Yousaf on August 16, 2023

Jazz WiFi Calling (VoWiFi) Feature Launched in Pakistan

The Most awaited calling feature for smartphones is now in the mid-way of lunch; jazz introduced WiFi Calling (VoWiFi) for better in-door, more precise, uninterrupted and stable voice call quality in Pakistan. Still, the feature is in the testing phase and has been launched for Samsung devices. Learn more about WiFi Calling.

Suitable for reading Jazz VoLTE

We have contacted @Jazzpk, but they have yet to confirm the actual launch date of the feature.

Why do we need WiFi Calling? 

The WiFi Calling feature has many benefits, but most importantly, it allows you to make or receive calls even when you have poor or non-existent cellular network coverage. It can be beneficial if you live or work in an area with poor outdoor or indoor cellular service.

Another good thing about WiFi calling is that you don't need to do anything besides enabling the feature. All your calls and texts function as they would if you use the cellular network. And since the feature is baked right into the phone's dialer, no additional downloads are necessary, and all your contacts are available whether or not they are using WiFi calling.

More than that, Calls made over WiFi Calling will use your plan's minutes where applicable, even when you're overseas. You will be charged the pay-per-use domestic calling rate if you do not have any bundled voice minutes. International calls will follow the standard IDD rates.

We have tested the WiFi Calling feature while using the @Jazzpk network in Okara District; take a look at the screenshot below:

The screenshot confirmed that WiFi Calling is provisioned for Samsung Galaxy A715 Model. We will verify its availability while travelling abroad. Stay tuned for an update.

Android: How to Enable WiFi Calling 

It's easy to start using WiFi Calling. Do ensure your device is compatible before following the step-by-step guide below.

1. Update your Android/iPhone phone software/operating system to the latest version.
2. Make sure the service is activated by your carrier.
3. Tap on Settings > Connections, then tap on WiFi Calling (or you can type WiFi Calling in the setting search bar)
4. Slide ON WiFi Calling. ​
5. Select WiFi Preferred to make calls using WiFi Calling. 
6. Turn ON your WiFi.​
7. Connect to an available WiFi Network. ​

Android: Make & Receive Calls with WiFi Calling​

1. Ensure that WiFi is turned ON and WiFi Calling Symbol/Icon is active on the top notification bar. (Users must see the WiFi symbol in the upper left-hand corner of their phone's screen. The icon is usually next to your carrier's name or signal bar. Be sure to distinguish it from the inverted cone WiFi symbol; that cone icon usually just represents how strong your signal is.)
2. To make a call via WiFi Calling, simply dial a number.​
3. Incoming calls are automatically received through WiFi.​

IOS: How to Enable WiFi Calling

1. Go to Settings >Tap on General > Under the General menu and tap About.
2. Tap the Update button when prompted.
3. Go back to Settings >Tap on Phone >Select WiFi Calling.
4. Slide the WiFi Calling On This Phone to ON.​
5. Tap Enable when the Confirmation Message pops up.

IOS: Make & Receive Calls with WiFi Calling

1. Ensure that the WiFi is turned on.
2. Make sure you are connected to a WiFi access point.​
3. Go back to Home Screen, and you will see 'WiFi Calling Symbol' on the top left or right corner per your smartphone setting.​
4. To make a WiFi Calling, simply dial a number.​
5. Incoming calls are automatically received through WiFi.​

How Jazzpk WiFi Calling Feature Works Overseas

This question is yet to be answered by the @Jazzpk team on how the WiFi Calling feature will work if we use the @Jazzpk network while travelling abroad. 

Let's discuss how Jazz WiFi Calling works if they allow this feature to work while using @Jazzpk overseas.

Calling rates Within Pakistan: 

To any Domestic number:         Your plan's rates, including unlimited calls, will apply.

To any International number:     IDD rates will apply.

Calling while outside Pakistan (Roaming):

To any Pakistani number:         Your plan's rates, including unlimited calls, will apply.

To any International number:     IDD rates will apply.

A valid and active Jazz SIM card is required. You cannot make a call if your line is barred, suspended or terminated. If you have a dual-SIM phone, please insert your Jazz SIM into Slot 1. All Jazz subscribers on postpaid and prepaid plans are eligible for WiFi Calling as long as your device's WiFi Calling & rate plan supports "voice call". It is unavailable for "data only" plans such as Postpaid MB. 

All Jazz subscribers will enjoy Ultra HD & Clearer Voice Call in future. Thanks for reading our post, and remember to subscribe to our social media channels to stay tuned for future updates. Until then, Peace & Blessings :)

Ishtiaq Ahmad on March 21, 2023

Cheap Call (IDD) Packages From Malaysia to Pakistan, India, Bangladesh & Indonesia

Are you working in Malaysia and trying to find cheap calling rates to call your home country then you're reading the right post, we have gathered some exciting and cheap International Direct Dialling (IDD) packages for your convenience to choose from, at Spicy Blogging we ensure when loved ones travelling internationally, they should remain connected with family & loved one back home while maintaining budget call packages.

The Malaysian telecommunications market is a thriving mobile market with four large network operators, an incumbent fixed-line provider with a near-monopoly and the overall market underpinned by strong economic fundamentals. The Telecom sector in Malaysia offers more cheapest IDD packages as compared to the Middle East market where more than 25 million migrant workers have jobs.

Major Telecom service providers in Malaysia offer a WiFi Calling feature while roaming, This would help you save on roaming call charges as long as the WiFi Calling feature is working. WiFi Calling has been offered by U Mobile 5 years ago back in 2016. Digi also introduced the feature in 2017. Besides having better quality calls at home or at the office, another advantage of WiFi Calling is that you can make “local calls” when you’re overseas. However, Maxis’ states that VoWiFi is not available when you’re roaming.

But do WiFi Calling offered by Pakistan Telcom service providers? the answer is simply not yet, but Jazz & Telenor introduced Voice over LTE (VoLTE) last year and it was the 1st of the 5 major telcos to do so. With VoLTE, you can make and receive voice calls at higher quality while maintaining a 4G connection.

We hope and advise Jazz and all other service providers to offer a WiFi Calling feature to Overseas Pakistanis to call their home country at local rates instead of buying very high-cost IDD calling packages. while they're roaming.

Now here we will share some IDD calling packages from Malaysia to Pakistan.

Digi IDD Calling Packages

Digi's (IDD) Pass offers the best international call rates to Pakistan, India, Indonesia, Singapore, Australia & more countries and fortunately the cheapest weekly IDD subscription offer 60 mins to Bangladesh, China, India, and Pakistan.

You can activate IDD pass right from Digi App, Click 'Buy Add-Ons' and Select 'IDD' and confirm your purchase (make sure you have insufficient balance to make the purchase) & You will receive a confirmation SMS upon successful transaction.

To purchase IDD pass via UMB Dial *128*3*2*1#, Select '2 One-time Purchase' and choose your preferred IDD pass from the available options, You will receive a confirmation SMS upon successful transaction.

Skype International Calling Packages/Subscription

Enjoy low per-minute rates when you call phones using Skype Credit and send SMS messages from Skype, If you call specific destinations a lot, get a monthly subscription and save even more money.

Skype offers 3 different subscriptions for Pakistan, India, Bangladesh & Indonesia.

Country	1st	2nd	3rd
Bangladesh	100 Min. in $2.99	400 Min. in $6.99	800 Min. in $12.99
Pakistan	100 Min. in $2.99	300 Min. in $6.99	800 Min. in $15.99
India	100 Min. in $1.99	800 Min. in $7.99	2500 Min. in $19.99

Maxis IDD Calling Packages (Postpaid)

Maxis has a network around the world and call coverage to over 100 countries, VoLTE uninterrupted calls with crystal-clear voice quality Save more on international calls and enjoy FREE calls after a 20-minute duration with IDD 132.

Country	Mobile Call Rates	Fixed Call Rates	132 IDD CALL Rates
Bangladesh	RM2.88/60 sec	RM2.88/60 sec	RM0.65/240 sec
Pakistan	RM2.88/60 sec	RM2.88/60 sec	RM1.58/240 sec
India	RM2.40/60 sec	RM0.50/60 sec	RM0.58/240 sec

IDD Dailling Format Example Pakistan: Dial 132 00 92 123 4567890

IDD Dailling Format Example India: Dial 132 00 91 123 4567 8910

We hope you will find it useful and enjoy cheap calling with loved ones while working or studying abroad. Let us know if we missed something if you have something to be added to the list do share it with us via the comment form below. Peace & Blessings :)

Ishtiaq Ahmad on January 15, 2023