Maybank MAE vs GrabPay vs Touch 'n Go eWallet Malaysia 2026 — Which One to Use?

Most Malaysians have Maybank MAE, GrabPay, and Touch 'n Go eWallet installed on the same phone. The problem is not choosing one — it is knowing which one to pull out for each transaction.

The short answer: TNG eWallet for toll and transit (toll and transit features not verified, HELD). GrabPay for ride-hailing and food delivery. MAE for banking and DuitNow payments. But the details matter, because using the wrong wallet for a given transaction means leaving cashback, rewards, or convenience on the table.

This guide breaks down exactly what each wallet does best, where it falls short, and how to use all three together to get the most out of every ringgit.

Last updated 17 October 2026 · money.com.my Editorial

Maybank MAE — The Banking Wallet#

MAE is not a separate app. It is an e-wallet built into the Maybank2u app — Maybank's main mobile banking platform. If you have a Maybank account, MAE is already there when you open the app.

This integration is MAE's biggest advantage. Unlike TNG or GrabPay, MAE draws directly from your Maybank savings or current account. No manual top-up, no pre-loading a wallet balance, no worrying about running low mid-transaction. You spend, and the money comes from your bank account instantly.

Key features#

• DuitNow QR — MAE supports DuitNow QR, the national QR payment standard mandated by Bank Negara Malaysia (BNM). DuitNow QR is accepted at virtually every QR-enabled merchant in Malaysia, giving MAE one of the widest payment acceptance networks alongside TNG eWallet.
• Direct Maybank account link — Maybank account holders spend directly from their bank balance. No wallet top-up step. This is a genuine friction advantage over TNG and GrabPay, both of which require pre-loaded balances.
• Bill payments — Pay TNB, Unifi, Astro, water utilities, PTPTN, and most major billers directly from the app.
• Tabung — Savings pots within the Maybank app. You can create named Tabung goals (e.g., "Holiday Fund", "Emergency") and set auto-debit schedules. Tabung earns no interest or profit — it is a labelling tool, not a savings product (not re-verified, HELD).
• MAE card — A virtual Visa debit card for online shopping. Works anywhere Visa is accepted online — Shopee, Lazada, international sites. Linked to your MAE balance (separate from your main Maybank account balance) (not re-verified, HELD).
• Maybank QRPay — Maybank's own QR payment system, which pre-dates DuitNow QR and is accepted at Maybank's merchant network. Most merchants that accept QRPay also accept DuitNow QR.

Cashback and rewards#

MAE cashback is campaign-based, not always-on. Maybank runs periodic promotions through its Maybank Treats rewards platform — for example, 10% cashback on QRPay at selected merchants, capped at RM5–RM10 per campaign period.

There is no permanent cashback rate on MAE QR payments. When a campaign is live, the deals can be competitive. When no campaign is running, you earn nothing extra for paying with MAE versus any other method.

How to check: Open the Maybank2u app → tap "Treats" or "Promotions" → filter by QRPay or MAE campaigns. Campaigns typically run for 2–4 weeks and require opt-in (tap to activate before spending).

Investment features#

Maybank's unit trust products are accessible within the same app. If you want to invest in Maybank-managed funds (money market, equity, balanced), you can do it without leaving the Maybank2u interface. This is a full fund distribution platform, not a micro-investing feature — minimum investments typically start at RM100–RM1,000 depending on the fund.

Strengths#

• Seamless for Maybank account holders — no top-up friction (the earlier "12+ million" figure is HELD)
• DuitNow QR gives access to the national payment network
• Bill payments, transfers, and banking in one app
• MAE virtual Visa card for online shopping (not re-verified, HELD)
• Tabung savings goals for budgeting (not re-verified, HELD)

Weaknesses#

• Cashback is campaign-dependent — not a reliable, always-on benefit
• Locked into the Maybank ecosystem — non-Maybank customers need to open a Maybank account to use MAE fully
• No toll payment capability
• No transit integration (LRT/MRT/bus) (not verified, HELD)
• A Tabung linked purely to your MAE wallet earns 0% — it is a labelling tool there, not a savings product. A Tabung linked to a full Maybank current or savings account is a different product and can earn a real rate, sometimes a promotional one — check which kind you have before assuming it pays nothing

GrabPay — The Ecosystem Wallet#

GrabPay lives inside the Grab app — the ride-hailing and food delivery super-app. It is not available as a standalone wallet. If you use Grab services, GrabPay is the payment layer that ties everything together. If you do not use Grab, there is limited reason to fund GrabPay.

Key features#

• GrabFood payment — Paying with GrabPay wallet balance (instead of a linked card) earns GrabRewards points at a higher rate. For frequent GrabFood users, this is the primary reason to keep GrabPay funded.
• GrabCar rides — Same principle. GrabPay balance earns better rewards than card payment.
• GrabMart — Grocery delivery. Cashback vouchers are frequently targeted at GrabPay-funded GrabMart orders.
• In-store QR payments — GrabPay supports DuitNow QR, Malaysia's shared national standard, so it works at any DuitNow QR-enabled merchant. We could not find a verifiable published figure for how many merchant points that covers; do not trust a specific number for this without checking Grab's own current disclosure.
• GrabRewards points — Every ringgit spent on Grab services via GrabPay earns GrabRewards points. The earn rate varies by your membership tier (Member, Silver, Gold, Platinum) and the type of transaction: typically 1–3 points per RM1 spent.
• GrabUnlimited subscription — earlier versions said RM14.90/month (we could not find a GrabUnlimited page on Grab Malaysia's site on 17 October 2026, HELD) for a bundle of delivery fee discounts, priority queue, and exclusive vouchers. Worth it if you order GrabFood 8+ times a month; the delivery fee savings alone can exceed the subscription cost.

Cashback and rewards#

GrabRewards points are redeemable for Grab vouchers, cashback credits, and partner rewards (Shell petrol, AirAsia, Genting, cinema tickets). The redemption rate has been nerfed multiple times since GrabPay launched — early adopters earned significantly more per point than current users.

Earlier versions gave an approximate redemption value of RM1 in Grab credit = 400–600 GrabRewards points, depending on tier (not re-verified; Grab's site says you earn GrabRewards points on GrabPay transactions and its menus now list "GrabCoins", HELD). This works out to roughly RM0.002–0.003 per point. Not nothing, but not transformative either.

Points expiry: earlier versions said points expire 12 months after they are earned (not re-verified, HELD). If you stop using Grab for a few months, your accumulated points quietly disappear.

Investment features#

GrabInvest: not confirmed as available in Malaysia. Earlier versions of this guide described GrabInvest's AutoInvest and Earn+ products as part of the Grab app here. We could not confirm that. On 11 October 2026, Grab's Malaysian website had no GrabInvest or Earn+ page and published no rate for them. Until Grab Malaysia publishes one, do not count on GrabPay having an investment feature, and check the Grab app yourself before relying on one.

Strengths#

• Best payment method for the Grab ecosystem (GrabFood, GrabCar, GrabMart, GrabExpress)
• GrabRewards points accumulate on all Grab spending
• GrabUnlimited subscription genuinely saves money for heavy Grab users
• Withdrawals to any Malaysian bank account

Weaknesses#

• Limited value outside the Grab ecosystem
• In-store QR acceptance is weaker than TNG and MAE's DuitNow coverage
• GrabRewards point value has decreased over time — early rates were significantly better
• Points expiry rules not re-verified (earlier: 12 months, HELD)
• Requires the full Grab app — not lightweight
• No toll or transit integration (not verified, HELD)
• Bill payment options are limited compared to MAE and TNG

Touch 'n Go eWallet — The Coverage Wallet#

TNG eWallet is operated by TNG Digital Sdn Bhd, a company whose About page says its journey began in 2017 through a partnership between Touch 'n Go and Ant Financial (the earlier "joint venture ... majority owned by CIMB" and "Ant Group" wording is HELD). We did not verify claims that it has the widest merchant acceptance of any e-wallet or that it alone covers toll roads and public transit (HELD).

Key features#

• Toll payments (RFID) — earlier versions said TNG eWallet links to a TNG RFID tag for cashless toll payment on Malaysian highways and that no other e-wallet can pay tolls; we did not verify either, and no source we read supports "only" (HELD). Check TNG's own toll pages.
• Transit (NFC) — Pay for LRT, MRT, Monorail, BRT, and selected bus routes by tapping your phone at the gate. No separate transit card needed. (Transit support was not verified from TNG's pages, HELD.)
• QR payments — Touch 'n Go's home page states "2M+ merchant touchpoints" (17 October 2026; it does not say how many are DuitNow QR points). From mamak stalls to shopping malls, TNG QR works at almost any merchant on Malaysia's shared national QR standard.

• Bill payments — TNB, Unifi, Maxis, Celcom, Digi, Astro, water utilities, PTPTN, local council assessments. Comparable coverage to MAE.
• DuitNow transfers — Send money to any DuitNow-registered account (bank, e-wallet) instantly and free.
• International transfers — Cross-border remittances via the TNG eWallet app to selected countries.
• Parking — JomParking integration for cashless parking (the earlier "2,500+ car parks" figure is HELD).

Cashback and rewards#

TNG eWallet runs DuitNow QR cashback campaigns periodically — typically 5–10% cashback at selected merchants, capped at RM3–RM8 per campaign period. Like MAE, these are promotional and time-limited, not always-on.

GO Rewards points are earned on selected transactions and can be redeemed for vouchers and discounts within the app. The points programme is functional but not a primary reason to choose TNG over other wallets.

GO+ — Money market savings#

GO+ is TNG eWallet's standout financial feature. It parks your idle eWallet balance in the Principal e-Cash Fund, a money market fund (MMF) managed by Principal Asset Management Berhad and regulated by the Securities Commission Malaysia.

Key details:

• Returns: Up to 3.2% p.a. (TNG's GO+ page, read 17 October 2026; the page calls Principal e-Cash "a Shariah-compliant money market fund") (variable, based on the fund's underlying money market performance — TNG's own page states the rate is not fixed or guaranteed and can move)
• Daily dividends: Returns are distributed daily as additional fund units
• Spend directly: When you pay at a merchant, GO+ balance is drawn first — no manual transfer needed
• Withdrawal: TNG's page says there is no lock-in period and a "Cash Out" button (the earlier "T+1 business day" timing is HELD)
• No minimum: You can put as little as RM10 into GO+
• NOT a bank deposit: Principal is not guaranteed. Not covered by PIDM. This is a unit trust, not a savings account.

For the detailed review, see TnG GO+ Review Malaysia.

Investment features#

Beyond GO+, TNG eWallet offers GO Invest — unit trust investments via AHAM Capital (formerly Affin Hwang Asset Management). You can invest in equity, balanced, and fixed income funds directly within the app. An earlier version said the minimum investment starts from RM10 for selected funds (not re-verified, HELD).

Strengths#

• Toll payments (RFID) are described in earlier versions as exclusive to TNG; not verified (HELD)
• Transit NFC for LRT/MRT/bus — replaces the physical transit card (not verified, HELD)
• QR merchant acceptance: TNG's home page states "2M+ merchant touchpoints" — see the note above on merchant counts
• GO+ earns up to 3.2% p.a. on idle balance — money works while it sits
• Comprehensive bill payment coverage
• Free DuitNow transfers
• Parking via JomParking integration

Weaknesses#

• Customer service complaints are common — long wait times, unresponsive in-app support
• App performance can be sluggish during peak usage (toll hours, promotion periods)
• GO+ is not PIDM-insured — it is a money market fund, not a bank deposit
• Balance limits: earlier versions said a standard-tier limit of RM1,500 and RM10,000 with enhanced KYC (not re-verified, HELD)
• Cashback is campaign-based, not permanent

Head-to-Head Comparison Table#

Best E-Wallet for Each Use Case#

Stop thinking about which wallet is "the best." Think about which wallet is best for the thing you are about to do. Here is the answer for each common scenario:

Daily QR payments (kedai makan, food court, convenience store)#

Use TNG eWallet or MAE. Both support DuitNow QR, which is accepted at virtually every QR-enabled merchant in Malaysia. TNG's home page states "2M+ merchant touchpoints" (not specific to DuitNow QR); MAE has the edge on convenience if you are a Maybank customer — no top-up needed.

GrabPay works for in-store QR but has a smaller acceptance network. You will occasionally encounter merchants that take TNG/DuitNow but not GrabPay.

Toll and parking#

Toll payment. Earlier versions said TNG eWallet is the only e-wallet that links to a TNG RFID tag and that MAE and GrabPay cannot pay tolls. We did not verify this and no source we read supports "only" (HELD); check TNG's own toll pages and your bank's before relying on it.

Parking: earlier versions said TNG eWallet's JomParking integration covers 2,500+ car parks and that no other e-wallet comes close; we did not verify either (HELD).

Food delivery#

GrabPay. GrabFood is Malaysia's largest food delivery platform, and paying with GrabPay wallet balance earns you GrabRewards points at a better rate than paying by card. If you order GrabFood 3+ times a week, the accumulated points over a month are meaningful — enough for a free drink voucher or delivery discount.

If you use other food delivery apps (ShopeeFood, foodpanda), the e-wallet choice matters less — most accept DuitNow QR or card payment.

Online shopping#

MAE card (virtual Visa; not re-verified, HELD). The MAE virtual Visa works anywhere Visa is accepted online — Shopee, Lazada, Amazon, international merchants. This is described in earlier versions as the most straightforward online payment card among the three wallets (not re-verified, HELD).

TNG eWallet is accepted at some online merchants (Shopee, selected local sites) but is not as universally accepted online as a Visa card.

GrabPay has no dedicated online shopping card.

Saving spare change#

GO+ (TNG eWallet). Park your idle e-wallet balance in GO+ and earn up to 3.2% p.a. — significantly better than a Tabung linked to your MAE wallet, which earns 0%. GO+ balance is spent directly when you pay merchants, so there is no friction.

GrabPay has no comparable feature that we could confirm in Malaysia: Grab's Malaysian website has no GrabInvest or Earn+ page and publishes no rate for them.

Sending money to friends#

MAE is the most seamless if both parties are Maybank customers — instant transfer, zero fees, no wallet balance needed. For transfers to non-Maybank recipients, MAE's DuitNow transfer works to any DuitNow-registered bank or e-wallet.

TNG eWallet also supports DuitNow transfers with zero fees. Equally functional as MAE for person-to-person transfers.

GrabPay supports transfers to other GrabPay users but is less useful for general person-to-person payments outside the Grab ecosystem.

Bill payments#

MAE or TNG eWallet — roughly equal. Both cover the major billers: TNB (electricity), Unifi/TM (internet), Maxis/Celcom/Digi (telco), Astro, water utilities, PTPTN, and local council assessments.

GrabPay's bill payment options are more limited. If you pay bills regularly, MAE or TNG eWallet is the better choice.

The Three-Wallet Cashback Strategy#

The smartest approach is not choosing one wallet — it is using all three for their respective strengths. Here is how the maths works on a typical monthly spending pattern:

Example: RM2,000/month household spending#

Realistic monthly rewards total: RM5–RM25 in combined cashback, vouchers, and points redemptions — depending entirely on which campaigns are active that month.

That is not a life-changing amount. The real value is not the cashback — it is using the right tool for each job. Paying toll with GrabPay is impossible. Ordering GrabFood with TNG eWallet means missing out on GrabRewards points. Paying at a mamak that only takes DuitNow QR with a wallet that has limited DuitNow support means getting declined.

The three-wallet approach is not about maximising rewards. It is about never being stuck without the right payment method.

Idle balance strategy#

Keep your spending float in GO+ (TNG eWallet) when it is not being used. If you typically carry RM500–RM1,000 across your wallets, parking that in GO+ at up to 3.2% p.a. (TNG's GO+ page, 11 October 2026) earns you up to roughly RM16–32 per year. Not a fortune, but money your MAE Tabung (0%) and GrabPay idle balance (0%) will never earn.

Security Comparison#

All three wallets meet BNM's minimum security requirements for licensed e-money operators. Here is what each offers:

Refunds for unauthorised transactions. BNM's policy document on unauthorised e-banking transactions (in effect from 1 October 2024, para 9.6) covers banks. We did not find an equivalent BNM rule for e-wallet operators, so contact your e-wallet provider straight away and ask what protection applies.

Complaints. If the operator does not resolve your complaint, you can escalate to BNM BNMLINK at 1-300-88-5465 or file a complaint at bnm.gov.my.

Float. We could not confirm on 17 October 2026 how BNM requires operators to safeguard customer balances, so check your provider's terms.

MAE has an additional layer because it sits within the Maybank banking app: Maybank's Secure2u authorisation for high-value transactions, Maybank's fraud detection systems, and access to Maybank's physical branch network for dispute resolution. This gives MAE a slight security edge over the other two.

Frequently Asked Questions#

Which e-wallet should I use at petrol stations?#

Check which app has an active cashback campaign for petrol. MAE (via Maybank Treats), TNG eWallet, and Boost all run periodic petrol cashback promotions. There is no permanent petrol cashback on any of the three wallets compared here. If no campaign is active, use whichever wallet is most convenient — the payment method itself makes no difference at the pump.

Can I use MAE without a Maybank account?#

You can download the Maybank2u app and create a MAE-only account without a full Maybank savings account. However, the main advantage of MAE — direct bank account spending with no top-up — only works if you have a Maybank savings or current account linked. Without it, MAE functions like any other e-wallet that requires pre-loaded balance.

Why does GrabPay have limited DuitNow QR support?#

GrabPay originally ran its own proprietary QR payment network. DuitNow QR is BNM's national standard, and Grab has been integrating it, but the rollout to all GrabPay merchants has been gradual. In practice, most DuitNow QR-enabled merchants will accept GrabPay's DuitNow QR scan — but the experience is not always seamless, and some merchants report interoperability issues. If a GrabPay QR scan fails at a DuitNow terminal, try TNG eWallet or MAE instead.

What happens to my e-wallet balance if the company shuts down?#

How an operator holds your balance is set out in its own terms, which we could not check against BNM's e-money policy document on 17 October 2026. E-wallet balances are not covered by PIDM deposit insurance. Keep only near-term spending money in e-wallets — savings belong in a PIDM-insured bank account.

Is there a single e-wallet that does everything?#

No. TNG eWallet comes closest — it offers QR payments, bills, savings (GO+), and investments (GO Invest). But it cannot do GrabFood delivery or GrabCar rides (those require GrabPay), and it does not offer the seamless no-top-up banking experience that MAE provides for Maybank customers. The realistic answer for most Malaysians is: keep all three, use each for what it does best.

Related Guides#

This comparison reflects information available as of April 2026. E-wallet features, cashback rates, merchant acceptance, and reward structures change without notice — always verify current details directly in each provider's app. Check the app for current campaigns before assuming a cashback rate applies.

Amendment, 13 September 2026. Two figures repeated throughout this guide could not be verified and have been corrected or flagged. QR merchant acceptance: the guide stated TNG at 1.6 million DuitNow QR points and GrabPay at 200,000, and built a chart declaring "TNG dwarfs GrabPay" on that basis. Neither number traced to a citable source. The one figure Touch 'n Go has itself stated publicly is over one million DuitNow QR points; no verifiable figure exists for GrabPay's acceptance. Since DuitNow QR is Bank Negara Malaysia's shared national standard, the comparison itself may overstate a real gap — a merchant accepting DuitNow QR generally accepts it from any participating wallet on the same code, not just one. The comparison chart has been replaced with this note. GO+'s return: the guide said "Approximately 3.0–3.6% p.a. as of April 2026"; TNG's own product page now states up to 3.2% p.a., described as variable and not guaranteed — the figure has moved since April, consistent with the broader decline in Malaysian money-market yields through 2026. MAE Tabung was described flatly as earning 0%. That is true only for a Tabung linked purely to the MAE wallet. A Tabung linked to a full Maybank current or savings account is a different product and can earn a real rate, sometimes promotional — this guide's blanket claim did not distinguish the two. Sources: TNG eWallet's GO+ product page and DuitNow QR statements, read 13 September 2026.

Amendment, 11 October 2026. Three corrections. GO+'s return: the guide's FAQ said "approximately 3.0–3.6% p.a." and the guide's tip said "~3.0–3.6% p.a.", although our 13 September amendment had moved the rest of the guide to 3.2%. Both now say up to 3.2% p.a., the figure on TNG's own GO+ page ("GO+ lets you earn daily returns of up to 3.2% p.a. through Principal e-Cash"), read 11 October 2026; TNG says returns may fluctuate and are not guaranteed. The tip's arithmetic said RM500–RM1,000 in GO+ "earns you roughly RM15–36 per year". At up to 3.2% p.a. it is up to roughly RM16–32 a year: 3.2% × RM500 = RM16, and 3.2% × RM1,000 = RM32, before any change in the rate. GrabInvest: in the GrabPay section the guide said "Earn+ — fixed-term investment products offering approximately 3–4% p.a.", the guide's table said "GrabInvest (~3–4% p.a.)", in the "Saving spare change" section the guide said "GrabInvest's Earn+ products offer similar returns (~3–4% p.a.)", and the guide said "GrabInvest products are managed by licensed fund managers and regulated by the Securities Commission Malaysia". We could not source either claim. On 11 October 2026, Grab's Malaysian website had no GrabInvest or Earn+ page and published no rate for them. We have removed the rate and the regulation claim, removed GrabInvest from GrabPay's strengths, and marked GrabInvest as not confirmed as available in Malaysia. Sources: TNG's GO+ page; Grab Malaysia.

Amendment, 11 October 2026 (wording). In the amendment note above, the sentences that introduced a superseded figure now name the guide as the subject ("the guide said" or "the guide's … said"), so it reads plainly as the old text rather than a bank's own page. No figure in this guide changed.

Amendment, 11 October 2026 (wording). In the amendment notes above, each superseded figure is now introduced by "the guide said", and the GrabInvest item now quotes each section's own words, and the GO+ item the body's exact words, instead of fragments of them. No figure in this guide changed.

Amendment, 17 October 2026 (e-wallet refund and complaint claims). The guide said BNM's "Electronic Fund Transfer Guidelines" require all e-wallet operators to refund unauthorised transactions reported promptly and to resolve complaints within 14 business days. We could not source either. The refund rule we checked, BNM's policy document on unauthorised e-banking transactions (effective 1 October 2024, para 9.6), covers banks, and we found no e-wallet equivalent, so the refund claim is removed and readers are told to contact the provider and then BNMLINK (1-300-88-5465). The "14 business days" figure is not in the BNM documents we hold, so it is removed; the guide now says only that you can escalate to BNMLINK if the operator does not resolve your complaint. The statements that BNM requires operators to keep customer float in designated or trust accounts (three places) are held as not verified: BNM's Electronic Money policy document (PD-eMoney-202302.pdf, linked from its e-money page) returned HTTP 404 on 17 October 2026, so they are replaced with a pointer to the provider's terms. Evidence: docs/verification-log/evidence-batch-b-oct17/evidence.md (lines 136 and 139) and docs/verification-log/evidence-followups-d-oct17/evidence.md.

Amendment, 17 October 2026 (follow-up, evidence batch I). We re-read TNG eWallet's GO+, home and About pages and Grab Malaysia's home and GrabPay pages, and saved them in docs/verification-log/evidence-batch-i-oct17. Confirmed: GO+ "daily returns of up to 3.2% p.a. through Principal e-Cash, a Shariah-compliant money market fund", start from RM10, no lock-in, "not a savings or deposit account and does not fall under PIDM protection", returns "may fluctuate and are not guaranteed"; the 3.2% × RM500 and RM1,000 arithmetic (RM16 to RM32); GrabPay earns GrabRewards points per its pay page. The earlier "3–4%" figures were GrabInvest rates already removed on 11 October; no "3–4%" figure remains in this guide. Corrected: TNG's own stated merchant figure is now "2M+ merchant touchpoints" on its home page (not specific to DuitNow QR), replacing "over one million DuitNow QR points"; TNG's About page describes a 2017 partnership between Touch 'n Go and Ant Financial and does not state a CIMB majority. Changed to HELD (could not source): Maybank's account-holder count, MAE's virtual Visa card and Tabung terms (Maybank's site refused our connection), GrabUnlimited's RM14.90 (no Grab Malaysia page found), the GrabRewards redemption rate and 12-month expiry, JomParking's 2,500+ car parks, GO+'s T+1 withdrawal, GO Invest's RM10 minimum and the RM1,500 and RM10,000 balance limits. Merchant-count and Maybank figures remain unverified.

Amendment, 17 October 2026 (review follow-up). Correction to the note above: an earlier version of that note said we re-read TNG's toll pages; we did not save a toll page, so every toll statement is HELD. Removed or reworded as unsupported: "TNG eWallet is the only option for toll (RFID) and transit", "Only e-wallet for toll payments (RFID)", "the only e-wallet that links to TNG RFID", "No other e-wallet can pay tolls", "MAE and GrabPay cannot pay tolls", "the single most important feature ... non-negotiable", and "the only one that covers toll roads and public transit" (no source supports "only"). Changed to HELD: "widest merchant acceptance of any e-wallet"; the "joint venture ... majority owned by CIMB and Ant Group" wording; MAE's virtual Visa card (several places) and the Tabung "earns no interest" statements; GO Invest's RM10 minimum. Transit (24 October 2026 follow-up): transit (LRT/MRT/bus NFC) was still stated as fact in the TNG feature list, the "best for" list and the comparison table, and as "no transit integration" for MAE and GrabPay; no transit page was saved, so those lines and the table row now carry HELD wording.