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[ShopeePay] Money+ Raya Bonus Campaign FAQ

1. What is this campaign about?

To celebrate Hari Raya, we are offering a Money+ Raya Bonus Campaign for a limited time! Receive up to 8% p.a.* returns reflected daily throughout the Raya Bonus Campaign Period (as defined below). To qualify, simply top up and maintain your Money+ balance of at least Ringgit Malaysia One Hundred Fifty (RM150) (“Minimum Amount”).

Only a maximum of Ringgit Malaysia One Thousand (RM1,000) in the Money+ balance is eligible for the Bonus Top Up (“Campaign Balance Limit”).

*The indicative up to 8% p.a. returns include the Eastspring Investments Islamic E-Duit Fund’s performance plus a promotional bonus top up from ShopeePay. Actual fund returns may vary, and the bonus top up is subject to T&Cs. Please review the fund’s prospectus for the associated risks and fees.

2. When is the campaign period?

The campaign runs from 23 March 2026 00:00 to 23 April 2026 23:59 (“Raya Bonus Campaign Period”).

Note: This Campaign temporarily suspends and replaces the existing Money+ Bonus Campaign for the duration of the Campaign Period. Once this Campaign is cancelled or expires, the existing Money+ Bonus Campaign will automatically resume and continue until the end of its original campaign period, or until it is cancelled, whichever is earlier.

3. Who is allowed to participate in the campaign?

The Money+ Raya Bonus Campaign is eligible for any Malaysian citizen who meets all of the following criteria:

Aged 18 years old or older;
ShopeePay eWallet user who has completed the latest account verification process (standard customer due diligence via eKYC, as required for “Activated” account status) and has a fully activated ShopeePay eWallet account; and
Does not have United States (“US”) indicia (which means he/she is not a US citizen, US tax resident, born in the US, or a US mailing/permanent address or US telephone number).

4. How is the indicative up to 8% p.a. structured for this Campaign?

The indicative up to 8% p.a. offered during the Raya Bonus Campaign Period is composed of two distinct parts:

Fund Return: The actual return generated from the underlying Shariah-compliant fund (Eastspring Investments Islamic E-Duit Fund).
Bonus Top Up: An additional reward of 5% p.a. provided by ShopeePay, irrespective of the Fund Return, and such bonus top up is only applicable for Money+ balance up to a maximum amount of Ringgit Malaysia One Thousand (RM1,000). The bonus top up is a promotional reward offered by ShopeePay, and shall not be considered or interpreted as interest or profit on deposits, or guaranteed return on investment. The bonus top up is subject to availability on a first-come, first-served basis until the Campaign budget is fully utilised. For the avoidance of doubt, eligible users will receive a bonus top up of 5% p.a., and such bonus top up is not valid with other campaign bonus top ups, offers, or promotions.

The Fund Return will be rounded down to the nearest four (4) decimal places, and the Bonus Top Up will be rounded down to the nearest two (2) decimal places.

As the Fund Return is not guaranteed and may fall below 3% p.a., your total returns for this Campaign may be less than 8% p.a.

5. Is the underlying Money+ fund Shariah-compliant?

Yes, the underlying fund is fully Shariah-compliant.

Your funds are invested in the Eastspring Investments Islamic E-Duit Fund, which adheres strictly to Islamic investment principles. This is an Islamic money market fund that accrues daily returns reflected in your cash balance. The fund is managed by Eastspring Investments Berhad, a licensed and regulated fund manager by the Securities Commission Malaysia (“SC”).

Note: ShopeePay's website or app may contain advertisement contents that have not been reviewed by the SC and should not be considered as a recommendation or endorsement by the SC to buy or sell investment products. SC should also not be considered to be associated with any of the investment products.

6. How is the daily bonus top up calculated?

Bonus Top Up: (Daily Money+ Balance x 5%) / 365

7. How do I qualify and receive the indicative up to 8% p.a. returns?

Just follow these two steps:

Activate Money+: Ensure your ShopeePay account has completed eKYC, and you have finished the onboarding registration form for Money+.
Top Up: Maintain the Minimum Amount in your Money+. The bonus top up will be paid out daily on balances up to the Campaign Balance Limit.

8. When will the daily returns be reflected in my Money+ account?

Daily returns (Fund Return + Bonus Top Up) will be reflected in your Money+ balance based on the following scenarios:

Scenarios	Fund Returns	Bonus Top Up
User tops up before 2pm (business day)	Reflected on the same business day by 9pm	Reflected on the same business day by 9pm
User tops up after 2pm (business day)	Reflected on the next business day by 9pm	Reflected on the next business day by 9pm
User tops up before 2pm on a Friday (business day)	Reflected on the same business day by 9pm	Reflected on the same business day by 9pm
User tops up after 2pm on a Friday (business day)	Reflected on the next business day (Monday) by 9pm	Reflected on the next business day (Monday) by 9pm

9. Can I view my Top Up, Withdrawal, Daily Returns and Bonus Top Up transaction history?

Yes, you can easily view your complete transaction history, including all Top Up, Withdrawal, Daily Returns, and Bonus Top Up reflected, directly within the Shopee or ShopeePay App.

Your history is available via the Balance Details section on the Money+ page and can be viewed for up to 90 days.

To view your transactions, follow these steps:
Step 1: Go to the Money+ page.
Step 2: Navigate to Balance Details.
Step 3: On the transaction screen, you can view your history using two tabs:

The “All Transactions” tab includes your history of Top Ups and Withdrawals.
The next tab, “Returns”, showcases your Daily Returns and Bonus Top Up.

10. Will I receive a Bonus Top Up if my Money+ balance exceeds RM1,000?

For Money+ balances exceeding Ringgit Malaysia One Thousand (RM1,000), only the first RM1,000 shall be eligible for the 3% p.a. Bonus Top Up. Any balance above RM1,000 shall not qualify for the Bonus Top Up but may earn the actual returns, if any, generated by the underlying Shariah-compliant fund (Eastspring Investments Islamic E-Duit Fund).

Example for illustration purposes:

Money+ Balance as of the Date Returns Are Reflected	RM1,000	RM2,000	RM100
Fund Return at 3% p.a. (not guaranteed, return may vary, for calculation illustration purposes only. Please review the fund’s disclosures for risks and fees)	3%	3%	3%
Bonus Top Up at 3% p.a.	3%	3%	Not Eligible as minimum balance or RM150 requirement not met
Daily Return Calculation	· Daily Fund Return: (RM1000 x 3%) / 365 = RM0.0821 · Bonus Top Up: (RM1000 x 3%) / 365 = RM0.0800 · Total Return: RM0.0821 + RM0.0800 = RM0.1621	· Daily Fund Return: (RM2000 x 3%) / 365 = RM0.1643 · Bonus Top Up: (RM1000 x 3%) / 365 = RM0.0800 · Total Return: RM0.1643 + RM0.0800 = RM0.2443	· Daily Fund Return: (RM100 x 3%) / 365 = RM0.0082
Money+ Balance after Returns Are Reflected	RM1,000.16	RM2,000.24	RM100.00

11. Will I receive the Bonus Top Up on weekends?

Bonus is reflected on business days only. If your return (including the Bonus Top Up) falls on a weekend or non-business day, it will not be reflected immediately. Instead, the amount will be accumulated and reflected on the next business day, as shown in your Returns history.

Using the example above, the following illustrates the mechanism of Fund Return and Bonus Top Up, throughout the Campaign Period:

Day	Thursday	Friday	Saturday	Sunday	Monday
Day Start Balance	RM0	RM1,000.16	RM1,000.32	RM1,000.32	RM1,000.32
Top Up (Before 2pm on a business day)	RM1,000	-	-	-	-
Fund Return at 3% p.a. (Not guaranteed, returns may vary. For calculation illustration purposes only. Please review the fund’s disclosures for associated risks and fees)	RM0.0821	RM0.0822	-	-	RM0.2467
Bonus Top Up at 3% p.a.	RM0.0800	RM0.0800	-	-	RM0.2400
Day End Balance	RM1,000.16	RM1000.32	RM1000.32	RM1000.32	RM1000.80

Note: The Day Start Balance and Day End Balance reflect the total Money+ balance, inclusive of all top-ups and withdrawals. If the Money+ balance falls below RM150, it will not be eligible for the bonus top up for that specific day.

12. If the Fund Return exceeds 3% p.a., will my Bonus Top Up reduce to limit the total returns to 6% p.a.?

If the fund return exceeds 3% p.a., you will still receive 3% p.a. Bonus Top Up, subject to Campaign Balance Limit.

If the fund return falls below 3% p.a., you will not receive a total return of 6% p.a. as the Bonus Top Up will only be an additional 3% p.a.

13. How long do I have to maintain the balance in Money+ to be eligible for the campaign?

There is no requirement to maintain the Money+ balance for a certain period to receive the Bonus Top Up. You will receive the Fund Return and Bonus Top Up on a daily basis (reflected on business days). The Bonus Top Up is subject to the availability of funds until the Campaign budget is fully utilised.

14. If my ShopeePay account is frozen, will I remain eligible to receive the Bonus Top Up as part of my daily returns?

Should your ShopeePay account be banned, suspended, or frozen, eligibility for the Bonus Top Up will be revoked. Bonus Top Up will not be reflected in frozen accounts.

15. What happens after the Raya Bonus Campaign ends?

Once the Raya Bonus Campaign Period ends, the existing Money+ Bonus Campaign will resume and your Money+ balance will continue to earn up to 6% p.a.* returns until the end of its campaign period or until its cancellation, whichever is earlier.

*The indicative up to 6% p.a. returns include the Eastspring Investments Islamic E-Duit Fund's performance plus a promotional bonus top up of 3% p.a. from ShopeePay, subject to the Campaign Balance Limit and T&Cs. Actual fund returns may vary.

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