TNG GOremit Review 2026: Low-Fee Overseas Transfers Inside the Touch n Go eWallet
The short version: GOremit is the cross-border remittance service built into the Touch n Go eWallet, so you can send money to over 50 countries straight from your wallet with no Malaysian bank account. It charges one flat fee per transfer (roughly RM5 to RM35), shows the exchange rate upfront, and money can reach an e-wallet or cash pickup in as little as 15 minutes. If you join the eWallet as a new user through our link, you may unlock a new-user reward, so confirm the current promo in the app.
Last updated: July 2026 · Based on Touch n Go and Bank Negara Malaysia information and published Malaysia remittance data
TNG eWallet New User
Join the Touch n Go eWallet through our link. New users may unlock a reward. Confirm the current promo in-app, then use GOremit to send money overseas from your wallet.
Get the TNG eWalletWhat is GOremit & How It Works
GOremit is the cross-border remittance service built directly into the Touch n Go eWallet app. It lets users send money overseas straight from the wallet, without opening a separate remittance account and without a Malaysian bank account. It launched in May 2023 (announced July 2023) covering an initial 10 countries, and has since expanded to over 50 destinations.
The service is operated by TNG Digital Remittance Sdn Bhd (TNGDR), company registration 773705-K (200701015698), a subsidiary of TNG Digital Sdn Bhd, the company behind the Touch n Go eWallet with roughly 17 million users. Because it lives inside an app most Malaysians already have, GOremit removes the usual friction of downloading a new remittance app or visiting a money-changer counter.
The mechanics are simple. You pick a destination country, choose how the recipient receives the money (bank account, local e-wallet, or cash pickup), and GOremit shows the exchange rate and one flat fee before you confirm. You pay from your eWallet balance, and the recipient is paid out through a local partner. GOremit is a licensed remittance service rather than a bank, so it moves money for you; it does not pay interest or offer deposit insurance on your wallet balance.
GOremit at a Glance
| Service | GOremit, remittance built into the Touch n Go eWallet |
| Operator | TNG Digital Remittance Sdn Bhd (773705-K / 200701015698) |
| Parent | TNG Digital Sdn Bhd (Touch n Go eWallet, ~17m users) |
| Regulator (MY) | Bank Negara Malaysia (MSB licence, Serial 00556, Class B) |
| Launched | May 2023 (10 countries), 50+ by January 2024 |
| Countries | 50+ (ASEAN, South Asia, plus HK, Japan, UK, Europe) |
| Payout methods | Bank account, local e-wallet, cash pickup |
| Transfer fee | One flat fee ~RM5 to RM35, shown at checkout |
| Exchange rate | Shown upfront on the spot before you confirm |
| Minimum transfer | RM50 per transaction |
| Who can use it | Pro and Premium eWallet users (eKYC verified) |
| Speed | E-wallet/cash from ~15 min; bank within 24 hrs |
Figures are indicative and based on Touch n Go and published Malaysia remittance information. Fees, limits, corridors and payout options change over time and vary by destination and method. Always confirm the live rate, fee and limits in the app before sending.
Supported Countries & Payout Methods
GOremit launched with 10 corridors and now reaches over 50 countries. The original 10 were Indonesia, the Philippines, Singapore, Thailand, Vietnam, Bangladesh, India, Nepal, Pakistan and Sri Lanka. By January 2024 the list had grown past 50, adding corridors such as Hong Kong, Japan, the United Kingdom and various European destinations, in response to user demand for more international options.
Recipients can receive funds three ways, depending on the destination:
Bank account transfer
The money lands directly in the recipient's local bank account. Bank transfers typically arrive within 24 hours.
Local e-wallet
Funds go straight to a partner e-wallet. Partners include bKash in Bangladesh and GCash or PayMaya in the Philippines. E-wallet payouts can arrive in as little as 15 minutes.
Cash pickup
The recipient collects cash at selected pickup locations. Like e-wallet payouts, cash pickup can be ready in as little as 15 minutes, which suits recipients without a bank account.
Tip: Not every payout method is available for every country, and the fee often differs by method. Check which options your destination supports and compare the fee for each before choosing, since a cash pickup can cost more than a bank or e-wallet payout on the same corridor.
How GOremit Is Regulated in Malaysia
GOremit is run by TNG Digital Remittance Sdn Bhd (TNGDR), which holds a Money Services Business licence from Bank Negara Malaysia (Licence Serial Number 00556, Class B). That makes it a regulated digital remittance service provider under Malaysian law, and it can be verified on BNM's official MSB operators list. TNGDR is a subsidiary of TNG Digital Sdn Bhd, the operator of the Touch n Go eWallet.
That licensing is the reason for the eligibility and limit rules you will meet. GOremit is only open to Pro and Premium eWallet users who have completed eKYC verification, in line with anti-money-laundering requirements, and per-transaction, daily and annual caps apply. Larger transfers and higher tiers carry stricter checks.
The safety point to understand: GOremit is a licensed remittance service, so your money is being moved by a supervised operator. It is not a bank, and your Touch n Go eWallet balance is not covered by PIDM deposit insurance. This is normal for e-wallet and remittance services, and it is the reason to treat the wallet as a way to move and spend money rather than a place to store large savings.
Fees, FX Rate & Speed
GOremit keeps pricing simple: one flat transfer fee per transaction, ranging from about RM5 to RM35 depending on the destination country and payout method, plus an exchange rate that is shown upfront on the spot before you confirm. There is no separate account fee beyond the free eWallet.
| Cost / feature | Typical level | Notes |
|---|---|---|
| Transfer fee | ~RM5 to RM35 flat | One fee per transaction, shown at checkout |
| Exchange rate | Shown upfront | Displayed on the spot before you confirm |
| Account fee | Free | Built into the free TNG eWallet |
| Minimum transfer | RM50 | Per transaction |
| Rewards | GOrewards points | Redeem for cashback vouchers, products, lucky draw |
| Speed (e-wallet/cash) | From ~15 min | Varies by corridor and partner |
| Speed (bank) | Within 24 hrs | Depends on destination bank |
At launch, example fees showed how the flat fee moves with country and method: RM8 for a Bangladesh e-wallet payout, RM10 for a bank transfer to Bangladesh or India, RM10 for a Nepal bank payout, and RM15 for a Nepal cash pickup. Because the fee is flat rather than a percentage, GOremit reads as competitive on smaller everyday remittance. GOremit positions itself on competitive rates plus reduced fees, and it awards GOrewards points redeemable for cashback vouchers, products and lucky draw entries.
Money-saving tip: A flat fee rewards larger, less frequent transfers, since the same RM5 to RM35 covers a big amount as well as a small one. The exchange rate still matters, so read the rate shown before you confirm and compare the amount the recipient actually receives against another provider on the same corridor. The exact fee is confirmed at checkout, so check it in the app rather than assuming a fixed figure.
Eligibility & Transfer Limits
GOremit is available only to Pro and Premium Touch n Go eWallet users, meaning those who have completed eKYC (electronic Know Your Customer) verification. Basic eWallet accounts cannot use it, so upgrading is the first step. Limits are tiered by account level:
| Tier | Per transaction | Per day | Per year |
|---|---|---|---|
| Pro | RM5,000 | Check the app | RM60,000 |
| Premium | RM9,999.99 | RM25,000 | RM300,000 |
| Minimum | RM50 | n/a | n/a |
For most family support, tuition top-ups and everyday remittance these caps are comfortable, and the Premium annual ceiling of RM300,000 covers all but very large transfers. If you plan a single large transfer, check that it fits within your tier and confirm the current daily figure in the app, since limits can change.
How to Send & Use the Referral
Sending with GOremit is done entirely in the Touch n Go eWallet. If you are joining the eWallet as a new user, doing so through a referral may unlock a new-user reward. The reward and its terms change, so confirm the current promo in the app. Here is the process:
- 1Open the referral link: get the Touch n Go eWallet here so any new-user reward is applied
- 2Upgrade to Pro or Premium by completing eKYC verification; GOremit is only for verified accounts
- 3Open GOremit and choose the destination country from the 50+ supported corridors
- 4Pick a payout method: bank account, local e-wallet, or cash pickup, and enter the recipient details
- 5Review the rate and flat fee shown on the spot (minimum RM50), then pay from your eWallet balance
- 6Confirm and track: e-wallet and cash pickup can arrive in about 15 minutes; bank transfers within 24 hours. You also earn GOrewards points
Tip: A new-user reward is usually tied to the eWallet sign-up rather than to GOremit itself, and terms change often. Confirm exactly what is on offer in the app before counting on it, and read the GOremit rate and fee separately on each transfer.
GOremit vs Wise, Instarem, BigPay & Banks
Malaysians have several ways to send money abroad. Here is how GOremit compares to the main alternatives on exchange rate, fees, speed and local availability:
| Provider | Exchange rate | Fees | Speed | Notes |
|---|---|---|---|---|
| GOremit (TNG) | Shown upfront on the spot | One flat fee ~RM5 to RM35 | E-wallet/cash from ~15 min; bank <24 hrs | Built into the TNG eWallet |
| Wise | Mid-market, no markup | Transparent, from ~0.77% | Often instant; most <1 day | Full cost shown before you confirm |
| Instarem | Close to mid-market | Shown upfront; InstaPoints rewards | Often same-day | 60+ countries from Malaysia |
| BigPay | Competitive, small margin | Fixed fee per transfer; no annual fee | Fast (minutes to a day) | 45+ countries; MY e-wallet |
| Merchantrade Money | Retail rate, usually a markup | Varies by destination | Varies | Wide MY branch/agent network |
| MoneyMatch | Better than banks | Transparent | 1 to 2 business days | Malaysia-born, BNM-licensed |
| Bank remittance (Maybank, CIMB) | Marked-up bank rate | TT + SWIFT fees | 1 to 5 business days | Every bank; needs bank account |
Rates, fees and corridors change frequently and vary by destination, amount and promo. The fairest comparison is always the amount the recipient receives for the same send amount and corridor at the same moment. Verify current figures on each provider before deciding.
The short version: GOremit's edge is convenience. It sits inside an app roughly 17 million Malaysians already use, needs no bank account, charges one flat fee, and can pay out to an e-wallet or cash pickup in about 15 minutes. That makes it a strong pick for smaller, regular remittance to ASEAN and South Asia. Wise is the transparency benchmark, using the mid-market rate with no markup and a fee from about 0.77%, which can beat a flat fee on larger transfers. Instarem reaches 60+ countries at rates close to mid-market and rewards each transfer with InstaPoints. BigPay is another home-grown e-wallet with a fixed fee and no annual fee across 45+ countries.
Merchantrade Money has a wide branch network but tends to use retail rates with a markup, and its fees vary by destination. MoneyMatch is a Malaysia-born, BNM-licensed provider with rates better than banks and one-to-two-day delivery. Bank remittance stays useful for very large or document-heavy transfers and for those who prefer a bank relationship, but for everyday amounts the marked-up rate plus telegraphic transfer and SWIFT charges usually make it the slowest and most expensive route. For a Malaysian already living in the Touch n Go eWallet who sends modest amounts home, GOremit is the path of least resistance; for larger or rate-sensitive transfers, price-check it against Wise or Instarem first.
Who Is GOremit For?
GOremit fits some Malaysians far better than others. Here is an honest read on the common groups, including where it falls short.
Migrant workers sending money home: excellent fit
For remittance to Bangladesh, India, Nepal, Pakistan, Indonesia, the Philippines and similar corridors, GOremit is convenient and fast. E-wallet payout to bKash or GCash, or cash pickup, reaches family in about 15 minutes, and there is no need for a Malaysian bank account, just a verified eWallet.
People who already live in the TNG eWallet: strong fit
If Touch n Go is already your daily wallet for tolls, transit and payments, sending money overseas from the same balance removes a whole extra app. The flat fee and upfront rate are easy to read before you confirm.
Small, regular remittance: good fit
Because the fee is flat rather than a percentage, GOremit reads well for modest monthly transfers. Watch the RM50 minimum, and batch where it makes sense so the flat fee covers a larger amount.
Large or rate-sensitive transfers: compare first
On a big transfer the exchange rate matters more than a flat fee. Check the amount the recipient receives on GOremit against a mid-market provider like Wise before committing, and note the per-transaction and annual caps by tier.
Multi-currency holders & travellers: look elsewhere
GOremit is a send-money service, not a multi-currency account or travel card. If you want to hold foreign currencies, get paid in USD or EUR, or spend abroad on a card, a service like Wise fits that need better.
Who should look elsewhere: If the corridor is not supported, if you need to hold or receive foreign currency, or if you want deposit-insured savings, GOremit is not the right tool. This review is general information and not financial advice.
Common Mistakes to Avoid
1. Comparing the fee instead of the amount received
A low flat fee can still cost more if the exchange rate is weaker. Always compare the final amount the recipient receives for the same corridor at the same moment, which captures both the rate and the fee.
2. Assuming a fixed fee figure
The flat fee ranges from about RM5 to RM35 and depends on country and payout method. Read the exact fee shown at checkout rather than assuming it, since a cash pickup can cost more than a bank or e-wallet payout.
3. Forgetting the Pro or Premium requirement
GOremit is only for eKYC-verified Pro and Premium users. A basic account cannot send. Complete verification in the app first so the option appears.
4. Hitting a tier limit on a big transfer
Pro caps at RM5,000 per transaction and RM60,000 per year; Premium at RM9,999.99 per transaction and RM300,000 per year. Check your tier and the current daily figure before a large payment.
5. Treating the wallet as savings
The TNG eWallet is not a bank and is not PIDM-insured. Use it to move and spend money, and keep savings in an insured bank account.
Pros and Cons
Pros
- Built into the TNG eWallet; no Malaysian bank account needed
- One flat fee per transfer (~RM5 to RM35), shown at checkout
- Exchange rate displayed upfront before you confirm
- Over 50 supported countries across ASEAN, South Asia and beyond
- Bank, local e-wallet or cash pickup payout
- E-wallet and cash pickup can arrive in about 15 minutes
- BNM-licensed operator (MSB Serial 00556, Class B)
- Flat fee suits smaller, regular remittance
- Earns GOrewards points on transfers
- Runs inside an app roughly 17 million Malaysians already use
Cons
- Not a bank, so the eWallet balance is not PIDM-insured
- Only for eKYC-verified Pro and Premium users
- Flat fee less efficient on very large transfers than a percentage rate
- Rate is shown but not stated as mid-market like Wise
- RM50 minimum per transaction
- Tier caps limit large transfers (Pro RM5,000/txn)
- Not every payout method is available for every country
- No multi-currency account or travel card
- Exact fee varies by corridor and method, so must be checked in-app
- Cash pickup can cost more than bank or e-wallet payout
Frequently Asked Questions
Is TNG GOremit safe and regulated in Malaysia?▼
How much does GOremit charge to send money overseas?▼
Which countries does GOremit support?▼
How does the recipient get the money?▼
Who can use GOremit and what are the limits?▼
Do I need a bank account to use GOremit?▼
Is there a referral reward for new users?▼
Final Verdict: 4.3/5
GOremit is the most convenient way to send money overseas for anyone already using the Touch n Go eWallet. It needs no separate remittance app and no Malaysian bank account, charges one flat fee shown at checkout, displays the exchange rate before you confirm, and can pay out to an e-wallet or cash pickup in about 15 minutes across 50-plus countries. It runs through a BNM-licensed operator, which adds real peace of mind for cross-border money.
The deductions are for the trade-offs of a flat-fee, wallet-based service. The eWallet balance is not PIDM-insured, only verified Pro and Premium users can send, the rate is shown but not stated as mid-market the way Wise is, and a flat fee is less efficient on very large transfers than a percentage rate. Rivals matter too: Wise and Instarem can win larger or rate-sensitive corridors, while BigPay is another strong home-grown option. Fees, limits and corridors change, so confirm the current figures in the app before you commit.
Our advice: if Touch n Go is already your daily wallet and you send modest amounts to family in ASEAN or South Asia, join through the referral link, confirm any new-user reward in-app, and use GOremit as your default. For a large or rate-sensitive transfer, price-check the amount received against Wise or Instarem first.
Get Started with GOremit
Join the Touch n Go eWallet through our link, confirm the current promo in-app, then send money overseas with GOremit
Get the TNG eWalletRelated reviews & guides:
Disclosure: This page contains affiliate / referral links. We may receive a benefit when you sign up through our links. This does not affect our review; all opinions are based on publicly available information. Fees, limits, corridors and rewards change; verify current terms in the Touch n Go eWallet before relying on them.