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BigPay Review 2024: BigPay : Digital Bank in Malaysia for International Transactions

Samuel Ting



 Bigpay digital bank malaysia  

Big Pay has made significant strides in transforming the landscape of digital bank Malaysia in 2024 and international transactions in Malaysia. As a digital financial service provider, BigPay combines the convenience of an e-wallet with the functionality of a prepaid card, making it a popular choice among tech-savvy Malaysians.

What is BigPay?

BigPay is a fintech company under AirAsia’s financial arm, offering a robust platform for digital payments and international money transfers. With the BigPay app, users can manage their finances seamlessly, from everyday transactions to sending money overseas. The app supports both physical and virtual cards just like GXBank Malaysia and Aeon Bank Malaysia, enabling users to make payments online, in-app, and in person with ease.

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Introduction to BigPay : Digital Bank in Malaysia for International Transactions

Introduction of Bigpay

  1. License and Regulations: BigPay is regulated by Bank Negara Malaysia, ensuring compliance with stringent financial standards and customer protection protocols. This regulatory oversight provides users with confidence in the security and reliability of the platform​​.
  2. Financial Health: Backed by AirAsia and other significant investors, BigPay has demonstrated strong financial health. The company’s commitment to transparency and user-centric services has positioned it as a leading player in the Malaysian fintech space​​.
  3. Products and Services: BigPay offers a range of services including:
  • E-wallet and Prepaid Card: Users can manage a multi-currency account, pay bills, and make transactions both locally and internationally.
  • International Money Transfers: With competitive fees and real-time exchange rates, BigPay simplifies sending money abroad, often completing transfers faster than traditional banks.
  • Loans and Financing: BigPay has ventured into digital lending, providing personal loans with transparent terms and a user-friendly application process​​.
  1. Fees and Rates: BigPay maintains a competitive fee structure. Local transactions are generally free, while international withdrawals and transfers come with minimal fees. For instance, there’s a 1% fee on foreign transactions, which is often lower than traditional bank charges​.
  2. Customer Service: BigPay offers comprehensive customer support through its app, including features to instantly freeze lost cards, track spending, and manage account settings. The app’s user-friendly interface ensures that users can quickly find assistance and resolve issues​.
  3. Security and Technology: Security is a top priority for BigPay, employing advanced encryption and multi-factor authentication to safeguard user data and transactions. The integration of eKYC (electronic Know Your Customer) processes enhances security while streamlining user verification​.

In conclusion, BigPay stands out as a revolutionary force in digital payments and international transactions in Malaysia. Its regulatory compliance, strong financial backing, innovative products, competitive fees, robust customer support, and advanced security measures make it a preferred choice for many Malaysians. For those seeking a modern, efficient, and reliable financial platform, BigPay offers a compelling solution.

BigPay: Advantages and Unique Benefits

BigPay Malaysia

BigPay offers a range of unique advantages and benefits that cater to the needs of modern users looking for a seamless digital banking and payment experience. Here’s an in-depth look at what makes BigPay stand out:

  1. Seamless Digital Payments and Transfers

BigPay enables easy and quick money transfers both locally and internationally through its app. Users can transfer money to other BigPay accounts or foreign bank accounts with competitive exchange rates and low fees. The transfers are often completed within minutes, making it faster than many traditional banks​ ​.

  1. AirAsia Integration and Travel Benefits

As part of AirAsia’s financial ecosystem, BigPay provides several travel-related benefits. Users enjoy zero payment processing fees, discounts on pre-booked check-in luggage and in-flight meals, and exclusive early access to AirAsia sales. Additionally, every RM20 spent on BigPay earns 1 BIG Point, which can be used for AirAsia flights and services​.

  1. Competitive Fees and Rates

BigPay offers a highly competitive fee structure. There are no fees for signing up or for local transactions, and the fees for international transactions are minimal. For instance, ATM withdrawals are charged at RM6 locally and RM10 internationally. The app also uses the Visa and Mastercard exchange rates with a 1% fee for currency conversion, which is often lower than traditional bank charges​​.

  1. Advanced Security Measures

Security is a top priority at BigPay. The app employs advanced security protocols, including two-factor authentication and encryption, to protect user data and transactions. Users can instantly freeze their card if it is lost or stolen, providing additional peace of mind.

  1. Financial Management Tools

BigPay offers comprehensive financial management tools through its app. Users can track their spending, set budgets, and view detailed analytics to manage their finances better. This feature is particularly useful for those who want to keep a close eye on their spending habits and savings goals​​.

  1. Convenience and Accessibility

The BigPay app is designed to be user-friendly and accessible. It supports contactless payments, allows for easy top-ups via bank transfer or credit card, and provides virtual and physical card options. The app also integrates with DuitNow QR, Malaysia’s national QR code standard, enabling seamless payments at a wide range of merchants.


BigPay’s combination of seamless digital payments, travel benefits, competitive fees, robust security measures, and user-friendly financial management tools make it a standout choice for those looking to modernize their banking and payment experience. Its integration with AirAsia further enhances its appeal to frequent travelers, providing additional value through exclusive benefits and rewards. For anyone in Malaysia seeking a comprehensive and convenient digital financial solution, BigPay offers a compelling option.

For more information, visit the BigPay official website.

Does BigPay Offer Loans?

Bigpay loan

Yes, BigPay has recently launched its digital personal loan product under BigPay Later Sdn. Bhd., a fully regulated subsidiary within the BigPay group. These personal loans are designed to provide quick, convenient access to funds with instant approval and no paperwork required. Loans range from RM1,000 to RM5,000, with flexible repayment terms of 6, 9, or 12 months. The interest rate is typically around 8% per annum, with a small stamping fee for processing.

BigPay’s loan product is particularly aimed at underserved demographics, providing access to credit for those who may not have traditional credit histories. This initiative aligns with BigPay’s goal of enhancing financial inclusion in Malaysia.

For more detailed information, you can visit the BigPay Malaysia and explore their loan offerings and other financial services.

Boost Your Finances with BigPay: Special Promotions and Bonuses

BigPay is not only transforming digital payments and financial management but also offering enticing promotions and bonuses for its users. Here’s a look at the current special promotions available for BigPay users:

Welcome Bonus

  • Get RM10 Free: New users who sign up using a referral code will receive RM10 credited to their BigPay account upon activation.

Travel Benefits

  • Earn AirAsia BIG Points: Every RM20 spent with BigPay earns you 1 BIG Point. These points can be redeemed for AirAsia flights and other services, making your spending more rewarding.

Cashback and Discounts

  • Exclusive Discounts: Enjoy special discounts and cashback offers at partner merchants. BigPay frequently collaborates with various retailers to provide exclusive deals to its users.

Referral Program

  • Refer and Earn: Invite friends to join BigPay and earn RM10 for each successful referral. There’s no limit to the number of friends you can refer, allowing you to accumulate more rewards.

Low Fees on International Transactions

  • Best Exchange Rates: Use BigPay for international transactions and enjoy the best exchange rates with low fees. This makes it an excellent choice for travelers and those who frequently send money abroad.

For more detailed information and to stay updated on these promotions, visit the BigPay Promotions Page.

With these attractive promotions, BigPay enhances your digital banking experience, providing not only convenience and security but also valuable rewards and savings.


BigPay is redefining digital payments and financial management in Malaysia with its robust app, seamless transactions, and innovative features. Offering competitive fees, travel benefits, advanced security, and comprehensive financial tools, BigPay stands out as a versatile and user-friendly digital banking solution. The current promotions, including welcome bonuses, cashback, and referral rewards, make it even more appealing for users looking to maximize their financial potential. With its commitment to convenience and customer satisfaction, BigPay is a compelling choice for modern, tech-savvy consumers. For more details, visit the BigPay official website.


  1. What are the benefits of getting a loan with BigPay?
    Our loans put you in control to borrow on your terms. Choose how much to borrow and for how long, and get the money in your BigPay account in minutes. We’ll also tell you the cost upfront with no hidden fees or confusing terms, so that you get total transparency on your loan repayments. 

You can also manage your loan in our app to stay on top of your finances. So that you can see at a glance how much you’ve paid, how much is left to pay, and how much it costs. 

  1. Do BigPay Malaysia offer conventional or Islamic loans?
    We offer conventional loans at the moment. We’ll be releasing Islamic financial products in the near future, so stay tuned!
  2. Who can apply for a BigPay Malaysia loan?
    All BigPay users in Malaysia can apply for a loan with us. Everyone who applies for a loan undergoes an evaluation and credit check. /
  3. Can I apply for a loan if I’m not a BigPay user?
    You’ll need to register for a BigPay Malaysia account to apply for a loan with us. This is because your loan money will be disbursed into your BigPay account, so you’ll need to sign up as a BigPay user to apply for a loan.
  4. Is my money safe with BigPay?
    When you get a loan with us, this entire process will be with BigPay Later, which holds a digital money lending license. This means that we are a legal money lender in Malaysia and are held up to high standards to ensure you are protected by the governing laws of Malaysia.

    All our loans are fully regulated by Kementerian Perumahan dan Kerajaan Tempatan (KPKT) or the Ministry of Housing and Local Government. This means that our credit application journeys and security are carefully monitored and approved by them.Keeping your money safe is our responsibility. That’s why we always keep your information secure, and make getting a loan from us a transparent, safe process for our users.