Total balance
$2,480.00
US dollarUSD
2,050.00$2,050.00
EuroEUR
310.00≈ $360.00
TetherUSDT
70.00≈ $70.00
08:00 · Checking balances
Every balance on one screen
Dollars, euros and crypto side by side, with the total in the currency you choose.
Pay
send
and get paid
across Asia
Accounts and wallets for the morning market, the weekend trip and the client who pays in dollars. You see every fee before you tap.
Open an account in a few taps, right from your phone.
Fruit stall, Chow KitCard payment · just now
−RM 18.40
Trip limits are onBangkok · Fri to Sun
RM 1,500/day
Satay stall, BangkokRate shown before you paid
−฿640.00
Pay with Apple Pay and Google Pay
3D Secure on every card payment
Every ringgit of your
day, in one app
Studio North, SydneyInvoice #014 paid
+$1,250.00
11:30 · Getting paid
The client pays in dollars
Keep the money in dollars, or convert it when you need to spend.
ATM, Armenian StreetCash withdrawal
−RM 200.00
14:00 · ATM withdrawal
Cash for the hawker stalls
Withdraw cash at ATMs wherever the card network is accepted. It shows up in your history straight away.
Brown sugar milk teaPaid with Google Pay
−RM 9.90
16:45 · Paying by phone
Milk tea between lectures
Add your card to Apple Pay or Google Pay and leave your wallet at home.
Sent to MumDelivered instantly · no fee
$150.00
19:30 · Sending to family
A little something for Mum
Transfers between iPay users arrive in seconds and cost nothing.
Tomorrow 07:15 · KUL → BKK
Ready for the trip
ContactlessTap to pay abroad
Daily limitRM 1,500
Freeze cardUnfreeze any time
22:30 · Managing your account
Set up the card for tomorrow
Set limits, switch payments on and off, or freeze the card in one tap.
See the fee before you pay
Paying in baht, rupiah or yen? Check what a card payment costs before you confirm. The app shows the same numbers before you confirm.
- Fee shown upfrontNot afterwards, on your statement.
- Free between iPay usersSend to friends and family on iPay at no cost.
Made for people
living between currencies
Whether you earn abroad, travel on weekends or look after family back home.
Freelancers and remote workers
Get paid by clients anywhere, in dollars or euros
Share your account details, get paid, then hold or convert the money.
Received this month$2,190.00
studio
north
north
Studio NorthSydney · Today, 11:30
+$1,250.00
kanso
Kanso GmbHBerlin · Mon
+€640.00
lw/
Lumen WorksSingapore · Last week
+$300.00
Travellers
One card wherever the card network is accepted
Pay in the local money at the rate you saw in the app.
MYR
SGD
THB
IDR
PHP
VND
JPY
KRW
HKDFamilies
Support family, wherever they are
Money reaches family on iPay in seconds, with no transfer fee.
Students
A virtual card, once approved
Apply in a few steps, no branch visit
Business
Run a small business or a remote team?
Business accounts with cards for your team, invoices from abroad and spending you can see in one place.
Explore iPay Business
Create a card for every part of your life
Make one for groceries, one for trips, one for subscriptions. Each with its own limits.
- Virtual cardApply in a few steps and, once approved, start paying with your virtual card.
- Physical card by postFor ATMs and shops that still want to see plastic.
- Apple Pay and Google PayAdd the card to your phone or watch in a few taps.
- Freeze in one tapLost your card? Freeze it, then unfreeze it when it turns up.
Stay safe at every step
From sign-in to every payment, you decide how you’re protected and get notified about everything.
3D Secure paymentsOnline card payments are confirmed in the app, so nobody can pay with your card details.
Passkeys and Face IDSign in with biometrics, passkeys, an authenticator app or a one-time code.
Every payment, liveA notification the moment money moves, and you can freeze the card from the same screen.
Hi, I’m Aisyah from iPay. How can I help?
Can I use my card in Bangkok?
Real support in the app, any time of day.
iPay is a licensed fintech, not a bank. Wallets and e‑money are provided through licensed partners in the European Economic Area, and client funds are safeguarded.
Invite friends. Earn up to 0.3% of what they spend
Your friends get an account that saves them money abroad. You get a share of their card and transfer volume, every month.
- Share your link
Find it in the app under Rewards and send it in any chat.
- Your friend joins
They open an account and verify their ID in a few minutes.
- You earn as they spend
Up to 0.3% of their transaction volume goes to your balance.
Questions, answered
Can’t find yours? Chat with us in the app and a real person will reply.
Which countries can I use iPay in?
Pay with your iPay card in shops, online and at ATMs in Malaysia and across Asia — Singapore, Thailand, Indonesia, Vietnam, the Philippines, Japan, South Korea and Hong Kong — and wherever the card network is accepted. Apple Pay and Google Pay work too.
Is iPay a bank?
No. iPay is a licensed fintech. Wallets and e‑money are provided through licensed partners in the European Economic Area, and your funds are safeguarded.
Which currencies can I hold?
You can hold US dollars, euros and popular crypto. When you pay in another currency, like ringgit or baht, it’s converted at the rate shown in the app.
How do I open an account?
Download the app, sign up with your email and verify your identity with an ID document and a selfie. It usually takes about 5 minutes.
Are there limits?
You can send up to €5,000 a day and €100,000 a month. Set lower limits for each card in the app.
Open your account in a few taps
Download iPay, verify your ID and apply for your iPay Card in a few steps.
