Your Touch 'n Go eWallet Transaction Limit Is RM120,000 — You Might Want To Change That
Adjusting it takes just a few taps.
By Sukhbir Cheema — 05 Feb 2025, 10:57 AM
Let's talk about your Touch 'n Go (TNG) eWallet. If you haven't checked your settings, you might be surprised to learn that the default daily transaction limit is set at RM120,000.
That means you can send up to RM9,999 per transaction — unless you manually lower the limit.
For most people, that's far more than necessary.
Reducing your transaction limit is a simple way to add an extra layer of security.
STEP 1: Open your TNG eWallet app and tap on your profile icon (located at the top right)
STEP 3: Tap on either 'Payment' or 'Transfer' or both to change the transaction limit
Your transaction limit is divided into two categories: 'Payment' and 'Transfer'.
'Payment' covers any transactions made via QR pay, in-app purchases, and online payments. 'Transfer' refers to money transfers to other people through the TNG app.
You can change the transaction limit for both options.STEP 4: Change the 'Per payment limit' and 'Daily payment limit' to any amount you're comfortable with and then hit 'Save'
In my case, I've set the 'Per payment limit' and 'Daily payment limit' to the minimum amount of RM250.
Compared to other digital wallets, TNG's transaction limits are strikingly high
Maybank's MAE app, for example, caps its default Scan & Pay transactions at RM1,000 per day, with unauthenticated transactions limited to RM250.
Even its debit card has a RM3,000 daily spending cap, backed by deposit insurance of up to RM250,000 under PIDM.
TNG eWallet, on the other hand, offers a safety net for just RM1 a month if you opt for AIA's WalletSafe insurance. Do note that this is not an in-built TNG security feature, and claims will be handled by AIA, not TNG.
Since TNG is not a bank, your funds aren't protected by deposit insurance
If something goes wrong — say, an unauthorised transaction — you could be left with little recourse.
RM120,000 is an enormous limit for an everyday eWallet. Adjusting it takes just a few taps, and it could save you from major financial headaches.
It's worth doing — right now.
