KA$Hplus - myIOU myIOU KA$Hplus - myIOU

Enjoy a hassle-free payment method whenever, wherever and however you want it.






KA$Hplus is a Visa eWallet and reloadable prepaid card issued by VirtualFlex in partnership with Fasspay. Approved by Bank Negara Malaysia, KA$Hplus’ Visa payment is supported by businesses and financial institutions worldwide, wherever Visa is accepted.







KA$Hplus provides an extra layer of security to your existing financial accounts. Following the increase in fraud cases, spending with your credit or debit card may expose your bank accounts to vulnerability. KA$Hplus minimizes that risk by limiting your exposure with spending limits and caps on fund reloads in KA$Hplus account.




Say goodbye to nasty paperwork, bureaucracy and lengthy approval time! KA$Hplus has no rigid sign up requirements. Plus, the app is easy to use, with an easy registration process.




Aside from reloading funds into your KA$Hplus account and making payments from it, you can also withdraw cash from ATMs nationwide and worldwide! KA$Hplus is a Visa card that allows you to access your funds wherever you go and spend on all Visa merchants locally and abroad. With KA$Hplus, you now have access to over 795,000 Malaysian Visa merchants and 100 million international Visa merchants.




KA$Hplus values its members and rewards you whenever you make transactions on your KA$Hplus account. Under KA$Hplus’ loyalty program, you can earn cash rebates and points to be converted into monthly lucky draw or to redeem vouchers. KA$Hplus also welcomes new members to its community with its referral program that is available to existing users.


Frequently Asked Questions (FAQs)
All you need to know about KA$Hplus

1. How do I shop in-store with KA$Hplus?

  • You can use QR code to make payments at stores that registered with KA$Hplus through the KA$Hplus app.
  • Alternatively, you can use KA$Hplus Visa card to pay at stores that accept Visa cards, if you upgrade your KA$Hplus’ basic account to premium account.

2. Is there a minimum purchase amount when using KA$Hplus?

  • There is no minimum spending limit, however, there is a spending limit per transaction based on the account type. For basic accounts, the limit is capped at RM200; while for premium accounts, the limit is capped at RM10,000.

3. Do I need a PIN for my purchases using KA$Hplus?

  • Yes, you are required to verify your purchases with a PIN as a form of security, when you pay with KA$Hplus app. Alternatively, you can also verify by scanning your fingerprint.

4. Is using KA$Hplus as my digital wallet safe and secure?

  • Yes, as KA$Hplus aims to provide an extra layer of security to your existing financial accounts. With KA$Hplus, you no longer have to bring your debit cards or credit cards wherever you go. Also, the amount of funds in your KA$Hplus account is subjected to the amount you have reloaded into the account. This reduces the risk of loss or theft.
  • KA$Hplus also requires its users to verify with PIN or fingerprint before proceeding with their purchase.

5. What other features can I use on the KA$Hplus app?

  • You can split bills with your friends and family after a hangout! Settling a lunch or dinner bill has been easier now, when you can request payment to other users on the app.
  • You can also pay bills with the KA$Hplus app. It is a one-stop app for almost everything!

6. Are there any charges imposed on KA$Hplus users?

  • There will be RM1.50 fee per withdrawal at local ATM’s. As for international ATM withdrawal, there will be RM10.00 fee per withdrawal or 2% of the withdrawal amount, whichever is higher.
  • For transactions made abroad, Visa overseas transaction fees of 1% will be charged on the transaction amount.
  • Users are subjected to RM2.00 per month as maintenance fee.
  • Contrary to normal KA$Hplus users, myIOU users who sign up with KA$Hplus are exempted from the RM30.00 joining fee. So, what are you waiting for? Sign up KA$Hplus now!

7. Do I need to maintain a minimum balance in my KA$Hplus account?

  • Yes, you are required to maintain a minimum balance of RM10.00 in your account.
  • For example, if you want to make a purchase of RM100.00 with KA$Hplus, your KA$Hplus account balance needs to have at least RM110.00 in order to make the transaction.

8. Can I use payWave (contactless payment) with myIOU KA$Hplus Visa Prepaid Card?

  • No. Currently, you can only use PIN and pay method to make your payments.

Sign up with Co-brand myIOU KA$Hplus Visa Prepaid Card today

  • *Please put "6" in front of your number. Eg: 60123456789
  • *Criteria: At least 2 words, max 21 characters; no special characters.



For further enquiries, you may reach out to KA$Hplus Customer Service Team via the following channels:

Operating Hour : 9am-5pm daily (Monday to Friday only, except Public Holiday)



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