Frequently asked questions
You can use your Vircle Visa Card anywhere in the world where Visa is accepted. Whether for travel, online shopping, or everyday purchases, it offers unparalleled convenience and global accessibility. Unlike some e-wallet platforms that may have limited acceptance abroad, the Vircle Visa Card ensures seamless transactions, empowering your child with financial independence and security no matter where they go.
No, Vircle does not charge any additional fees or any transaction fees. The only fee you need to pay in order to use Vircle's Visa Card Services are the Vircle Club membership fees shown above.
Vircle provides parents with card controls to manage their children's spending via the Vircle App, this includes security settings, daily spending limit adjustments, spending categories controls, & more.
For example, parents can limit their child's card to spend on Food & Beverages only, and block spending on items like alcohol and tobacco.
The Minions Vircle Visa Card is exclusively available to Vircle Club Pro Plan Members. To get yours, simply subscribe to the Vircle Club Pro Plan through Vircle's official website. Once you complete the purchase, your card will be shipped to you within 7 business days. If you’re using the Vircle app, make sure you have an existing account and complete the eKYC process before subscribing. Detailed activation instructions will be provided with your card when it arrives.
Congratulations on receiving your Vircle VISA prepaid card! First thing you need to do is activate your Vircle VISA card. Here's how:
1. Login to your Vircle app.
2. Tap on your child's profile page.
3. Tap on “Manage Card”
4. Select “VISA Card”.
5. Select “Activate Card”.
6. Scan card or enter card details.
7. Create ATM and Spending PIN.
Please note: To activate contactless payments, make your first purchase using Chip & PIN.
The plan provides compensation for accidental death, permanent disablement, medical expenses, hospital allowances, and other benefits as defined in the policy terms.
For subscription or billing issues, contact CelcomDigi Customer Care.
For card, app or activation support, contact Vircle Support via WhatsApp +601111176000 or the Help Centre in the Vircle app.
The Minions Vircle Visa Card is exclusively available to Vircle Club Annual Plan Members. To get yours, simply subscribe to the Vircle Club Annual Plan through Vircle's official website. Once you complete the purchase, your card will be shipped to you within 7 business days. If you’re using the Vircle app, make sure you have an existing account and complete the eKYC process before subscribing. Detailed activation instructions will be provided with your card when it arrives.
No, there are no hidden charges. Vircle SchoolPay charges only a transparent administrative fee based on your selected service plan:
One-Off Payments (One-time administrative fee of 1.3%)
6-Month Instalments (One-time administrative fee of 4.55%)
12-Month Instalments (One-time administrative fee of 5.55%)
The administrative fee covers:
Administrative costs for managing requests with your school and banks.
A secure payment experience.
Third-party banking and facility costs.
How the administrative fee is charged:
The administrative fee is calculated upfront based on the total invoice value and charged to your credit card. For instalment plans, the total invoice value and the administrative fee is evenly split across all monthly instalment payments.
All instalment plans come with 0% interest, ensuring you don’t incur additional charges beyond this administrative fee. To avoid late fees or penalties your bank may charge, please pay your monthly instalments on time and always revert back to your respective banks on penalties and interest for overdue Easy Payment Installments.
The maximum amount that can be withdrawn from an ATM per card per day is RM5,000.
A fee of RM2.00 is charged per withdrawal at local ATMs, while a fee of RM10.00 or 2% of withdrawal amount (whichever is higher) is charged per withdrawal at overseas ATMs. Nevertheless, make sure you double-check fees associated with certain ATMs before you withdraw any cash as they may charge you extra (as levied by their respective banks).
Delivery times may vary, after subscribing to a Vircle Club membership plan, you can typically expect to receive your Vircle Visa Card within 7–10 business days after completing your initial purchase.
You don’t need to worry! As long as your child’s school is a Vircle School, Vircle will be able to process the payment for you. Simply upload your valid invoice and submit your application, and we’ll take care of the rest.
No, your child does NOT need a phone. Your child only needs the Vircle Visa Card and you as a parent can give pocket money, monitor spending, control spendings, & more via the Vircle App.
Yes, you can submit multiple invoices from the same school in a single application, but they must be for the same child. Ensure that all invoices are uploaded as part of your application and clearly indicate the total amount to be paid.
If you intend to pay for multiple children, please submit a separate application for each child, with the respective invoices uploaded for each application.
No, Vircle does not charge any additional fees or any transaction fees. The only fee you need to pay in order to use Vircle's Visa Card Services are the Vircle Club membership fees shown above.
For claims, policy inquiries, or assistance, please refer to the contact information provided in your Confirmation of Cover email or reach out through the Vircle support available via email at support@vircle.com or our whatsapp chat number +601111176000
Delivery times may vary, after subscribing to a Vircle Club membership plan, you can typically expect to receive your Vircle Visa Card within 7–10 business days after completing your initial purchase.
Your child can use their Vircle VISA card at any merchant that accepts Visa.
You can use your Vircle Visa Card anywhere in the world where Visa is accepted. Whether for travel, online shopping, or everyday purchases, it offers unparalleled convenience and global accessibility. Unlike some e-wallet platforms that may have limited acceptance abroad, the Vircle Visa Card ensures seamless transactions, empowering your child with financial independence and security no matter where they go.
Delivery times may vary, after subscribing to a Vircle Club membership plan, you can typically expect to receive your Vircle Visa Card within 7–10 business days after completing your initial purchase.
All approved claim payments will be made directly by the insurer to the bank account of the parent or legal guardian of the insured student.
Yes, you will receive a receipt for your payment. Once the transaction is completed, a confirmation email with the receipt will be sent to the registered email address in your application.
You will also be carbon copied in the payment e-mail confirmation to your school.
You can use your Vircle Visa Card anywhere in the world where Visa is accepted. Whether for travel, online shopping, or everyday purchases, it offers unparalleled convenience and global accessibility. Unlike some e-wallet platforms that may have limited acceptance abroad, the Vircle Visa Card ensures seamless transactions, empowering your child with financial independence and security no matter where they go.
Children can start using the Vircle Visa Card as early as 7 years old, encouraging financial responsibility under parental supervision. This early introduction helps promote financial literacy and nurtures healthy spending habits from a young age.
If your child has lost her card, do not panic. Follow these steps:
1. Freeze your card while you confirm that your card is lost.
2. If it is indeed lost, please proceed to “Manage Card” and tap on “Lost Card” in the app.
3. Your existing card will be permanently blocked.
4. Payment of RM10 will be deducted from your wallet.
5. Confirm the shipping address for your new card.
6. Once a card is permanently blocked, the process cannot be reversed. If you should find your lost card again, please destroy it.
Important note:
If the lost card was a Minions Visa Card, the replacement will be a Basic Vircle Visa Card. Minions Visa Cards cannot be reissued.
The exchange rate for foreign currency transactions is determined by the card issuer or bank associated with your credit card at the time of payment. Vircle SchoolPay does not set or influence these exchange rates.
Please note:
Your card issuer may apply additional foreign transaction fees, which are separate from Vircle SchoolPay's service fees.
For clarity on exchange rates and fees, we recommend contacting your credit card provider directly before proceeding with the payment.
If you have concerns about currency conversion or payment processing, feel free to reach out to our support team for guidance.
Vircle offers comprehensive card controls, empowering parents to tailor their child's card usage to align with family values and financial goals. Explore these controls through three main screens:
Card Security Controls - Customize card usage based on specific scenarios such as spending in stores or overseas.
Set Spending Limits - Set precise limits for daily ATM withdrawal and contactless spending.
Card Spending Category Controls - Set specific controls within 14 spending categories.
.
The Student PA Insurance is optional but highly recommended as it provides important protection for students against unexpected accidents.
Children can start using the Vircle Visa Card as early as 7 years old, encouraging financial responsibility under parental supervision. This early introduction helps promote financial literacy and nurtures healthy spending habits from a young age.
For any issues that you may encounter regarding our VISA cards, you may refer to our “Transactions, Refunds, Cancellations” page.
Paying directly to the school often requires full lump-sum payments, which can be challenging. Many schools do not allow payment via Credit Cards but parents would love the benefit of points and rewards from their bank. With Vircle SchoolPay, you benefit from:
Flexibility: Choose between one-off, 6-month, or 12-month payment plans.
0% Interest Instalments: Spread your payments without paying any interest charges.
Rewards: Earn cashback, miles, or points on your credit card.
Convenience: Pay securely online without visiting the school.
Avoid Late Fees: Ensure timely payments even if cash flow is tight.
Vircle handles the payment process for you, providing peace of mind for both parents and schools.
Parents can view the purchased insurance coverage from the VIRCLE app, Tap on “Insurance” icon from your VIRCLE home screen -> Select “My Policies” and you will see all active and recently expired insurance coverage listed here. If you do find any discrepancies, you may always contact VIRCLE support available via email at support@vircle.com or our whatsapp chat number +601111176000
If you previously subscribed to the Vircle Club Annual Plan and received a free Basic Vircle Visa Card, you will need to cancel your current membership and re-subscribe to the Vircle Club Annual Plan to get a Minions Visa Card.
Please note: The remaining value of your current Annual Plan will not be refunded or prorated.
If you previously subscribed to the Vircle Club Annual Plan and received a free Basic Vircle Visa Card, you will need to cancel your current membership and re-subscribe to the Vircle Club Annual Plan to get a Minions Visa Card.
Please note: The remaining value of your current Annual Plan will not be refunded or prorated.
Vircle SchoolPay operates under the following refund policy:
Administrative Fees: Administrative fees are non-refundable once payment has been made to the school.
Refund Requests: All refund requests must be directed to your school. Please contact the school to initiate the refund process.
Instalment Payments: Refunds or chargebacks are not accepted for instalment payments.
For any additional questions or concerns, you can reach out to Vircle customer support for guidance.
Vircle is made specifically for kids. Unlike other payment methods & E-wallets, Vircle lets parents have full control & visibility over their child's financial behaviors ensuring that your child can learn about money & finance in a safe environment from a young age. This also means that you can overcome common issues traditional parents face when it comes to managing their child's finances such as:
❌ Children overspending
❌ Children purchasing prohibited items
❌ Children not understanding the value and hardship of money
And more
No, your child does NOT need a phone. Your child only needs the Vircle Visa Card and you as a parent can give pocket money, monitor spending, control spendings, & more via the Vircle App.
Vircle provides parents with card controls to manage their children's spending via the Vircle App, this includes security settings, daily spending limit adjustments, spending categories controls, & more.
For example, parents can limit their child's card to spend on Food & Beverages only, and block spending on items like alcohol and tobacco.
No, Vircle Visa Card is a Prepaid Card which is different from the traditional Debit/Credit Cards. What is the difference? Prepaid Cards are not linked to any bank account(s) and thus, it requires you to top-up cash balances in order to start spending.
In short, they are quite similar to Touch'n Go Cards which most Malaysians are familiar but with extra features made specifically for kids!
Yes. Vircle is fully regulated under the Bank Negara Malaysia's Financial Services act as a e-money service operating under Principal license of Fass Payment Solutions Sdn Bhd.
Vircle employs the same bank-grade security protocols as other E-wallet providers in Malaysia. Additionally, as Malaysia's first Parental Oversight Payment service, Vircle offers multiple controls and safety features to protect your child's payment card and the Parent Wallet.
No, Vircle does not charge any additional fees or any transaction fees. The only fee you need to pay in order to use Vircle's Visa Card Services are the Vircle Club membership fees shown above.
Vircle is made specifically for kids. Unlike other payment methods & E-wallets, Vircle lets parents have full control & visibility over their child's financial behaviors ensuring that your child can learn about money & finance in a safe environment from a young age. This also means that you can overcome common issues traditional parents face when it comes to managing their child's finances such as:
❌ Children overspending
❌ Children purchasing prohibited items
❌ Children not understanding the value and hardship of money
And more
No, your child does NOT need a phone. Your child only needs the Vircle Visa Card and you as a parent can give pocket money, monitor spending, control spendings, & more via the Vircle App.
Vircle provides parents with card controls to manage their children's spending via the Vircle App, this includes security settings, daily spending limit adjustments, spending categories controls, & more.
For example, parents can limit their child's card to spend on Food & Beverages only, and block spending on items like alcohol and tobacco.
No, Vircle Visa Card is a Prepaid Card which is different from the traditional Debit/Credit Cards. What is the difference? Prepaid Cards are not linked to any bank account(s) and thus, it requires you to top-up cash balances in order to start spending.
In short, they are quite similar to Touch'n Go Cards which most Malaysians are familiar but with extra features made specifically for kids!
Yes. Vircle is fully regulated under the Bank Negara Malaysia's Financial Services act as a e-money service operating under Principal license of Fass Payment Solutions Sdn Bhd.
Vircle employs the same bank-grade security protocols as other E-wallet providers in Malaysia. Additionally, as Malaysia's first Parental Oversight Payment service, Vircle offers multiple controls and safety features to protect your child's payment card and the Parent Wallet.
No, Vircle does not charge any additional fees or any transaction fees. The only fee you need to pay in order to use Vircle's Visa Card Services are the fixed monthly or annual Vircle Club fees.
By pre-registering/joining the waitlist for Vircle Minions Visa Card, you get to enjoy:
Exclusive Pre-registration rewards: RM20 OFF Discount when you purchase a Vircle Club Annual Membership Plan during the card launch.
Be notified when the Vircle Minions Visa Card officially launches.
The Vircle Minions Visa Cards are extremely limited in quantity so we would like to let you know as soon as they are available.
We will send you an e-mail to confirm your pre-registration status. In addition to that, We will notify you via E-mail or WhatsApp (if provided) when the Vircle Minions Visa Card officially launches. Keep your eyes peeled and check your inboxes as these cards are very limited in quantity!
The expected release date of the Vircle Minions Visa Card is planned for Q1 of 2025. Please stay tuned for official announcements and updates as we are nearing the launch period.
Psst* The only thing to do now is to Join The Waitlist! Did we mention its FREE?
The RM20 OFF discount code will be sent to your registered e-mail address when the Vircle Minions Visa Card launches. So make sure to check your e-mail!
Yes, both existing and new Vircle users can enjoy the RM20 OFF discount reward by pre-registering/joining the waitlist now and purchasing a Vircle Club Annual Membership during the official launch.
However, please note that each child can have only one Vircle Visa Card activated at any time, regardless of the card design.
The Parent Wallet is an account where all your top up money goes. It's safe and secure and your child has NO direct access to the money you have in Parent wallet.
The account balance shown under Allocated to Family indicates the total amount of funds that has been given to your child as allowances. This is in the form of your kids’ total savings and spending account.
The Available Balance shows how much money from your eWallet you can still allocate to your family or children.
For example, you have RM1,000 loaded into your parent eWallet. You allocate RM200 to your child; your Available Balance will show RM800.
To learn more about getting started with Vircle, view our help page here.
Vircle allows any wallet users to apply for a refund of their wallet balances if they wish to stop using the Vircle Wallet. Upon refund, the wallet account will be de-activated for good.
If your login attempt fails due to incorrect username or password,
please tap on “Forgot your password?” below the “Login” icon.
You will be prompted to type in your registered email address.
Next, you will need to enter your new desired password.
After key-ing in your new desired password, you will receive a 6-Digit OTP. The 6-Digit OTP is needed to verify that you are the rightful account owner.
For full name or NRIC updates please contact our customer care.
For nicknames and photo update:
Head down to your child’s account dashboard.
Tap on the settings icon at the top right of the page.
Select “Update Child Profile”
Update your child’s details with the correct information.
Tap on “Update Profile”
There you have it. Your child’s updated information should be immediately reflected in the Vircle App.
Service providers sometimes face congestion and delays in providing OTP services. When this happens, we advise you to try again in the next hour. If you still do not receive the OTP after 3 attempts, please contact our customer care.
If you’ve forgotten your transaction pin number or have forgotten it, changing them is simple. Follow these steps:
Access the Parent dashboard.
Click on the settings icon, which is located at the top right of the page.
Select “Change User Pin”.
Click on “Forgot user Pin?”
You will receive a 6-digit OTP which you will need to enter.
Enter your new 6-digit user Pin.
Re-enter your PIN number to confirm.
Done!
This happens during purchase or creation of allowances because a parent has entered the 6-digit user PIN incorrectly repeatedly, blocking the PIN number. To resolve this,
Navigate to Parents dashboard.
Click on the settings icon, which is located at the top right of the page.
Select “Change User PIN”.
Click on “Forgot PIN” or “Reset User PIN”
You will receive a 6-digit OTP which you will need to enter.
Enter your new desired PIN number.
Re-enter your PIN number to confirm.
This happens particularly because the new IOS automatically switches off camera permission for some apps. To fix this issue:
Go to iOS settings.
Type in Vircle on the search bar at the top.
Select the Vircle app.
Enable Camera – the toggle should be green once you have enabled it.
There you have it! You should be able to scan your child’s QR code now
The information we collect is information that we require in order to perform our services and offer our products to you. This information is categorized into 2 types,
Account registration information – information such as your name, email address and other relevant information required for proper functioning of the application.
Regulatory information – Vircle uses E-wallet financial technology provided for by its Partner, Fass payment Sdn Bhd (”Fasspay”), regulated under the Malaysian Financial Services Act (FSA) 2013. As part of this partnership and regulation, we are mandated by Fasspay to adhere to strict “Know Your Customer” identity collection and verification. These are information we are mandated to collect, such as Identity card or passport details and photograph, are verified and from time to time reported back to the regulators such as Bank Negara Malaysia (BNM) but not limited to; as requested on the legitimate identity of users using this service. For more info on privacy policy visit https://www.vircle.com/privacy-policy.
If you have any of the types of transaction disputes listed below, please fill in this form, attach any supporting evidence and email it to support@vircle.com within 21 days from the transaction date. In the event the fraudulent transaction is reported after 21 days, we will not be liable for any losses incurred.
If you notice any unrecognized payments, please freeze your card in-app to keep your money safe immediately.
Here are some possible reasons why you don’t recognize payments:
● Some merchants tend to have different trading names (as seen in the transactions history report) than their brand names. You may check this by running a Google search to confirm.
● Ensure that your card was not used by a friend or family.
● If you’ve been wrongfully charged by your merchant, please contact your merchant immediately or check what you have been charged for.
If you believe that this is a fraudulent transaction, please fill up this form, attach any supporting evidence and email it to support@vircle.com within 21 days from the transaction date. In the event the fraudulent transaction is reported after 21 days, we will not be liable for any losses incurred.
If you're still having problems, please chat with us via our customer care here.
Once the merchant has cancelled your payment, you'll receive your refund after a maximum of 14 business days. If you haven't received your money by then, please fill up this form, attach any supporting evidence and email it to support@vircle.com within 21 days from the transaction date. In the event the fraudulent transaction is reported after 21 days, we will not be liable for any losses incurred.
Please reach out and arrange a refund with the merchant that has incorrectly charged you. If you are still facing issues with the refund process, please fill up this form, attach any supporting evidence and email it to support@vircle.com within 21 days from the transaction date. In the event the fraudulent transaction is reported after 21 days, Vircle will not be liable for any losses incurred.
If you, as the wallet owner, will no longer be using Vircle and wish to request a refund of your remaining balance, please complete the close account form.
Please note that withdrawals are only allowed to local Malaysian bank accounts. If the bank account that you wished to make the withdrawal to does not have the same name and ID Number of Vircle principal account holder, you will be required to provide an authorization letter.
No fee will be charged to process such refunds. Please expect 7-14 working days for your refunds to be processed.
Vircle App registration is ONLY for parents. A child does not need to register for Vircle, instead, they will be given payment cards (School card or Visa prepaid card) which is linked to the Vircle Parent account.
A parent may enable and activate a child login account for each child here - https://www.vircle.com/child-login
If you're a parent or a guardian who will be the Primary Accountholder who funds your children's Vircle cards, follow these quick steps to get started:
Start your family Vircle account in just a few steps:
Sign up for a Parent Account:
Download the Vircle app from Google Playstore, Apple AppStore or Huawei AppGallery and register for a Parent account. Steps to do so here - https://www.vircle.com/register-parent-account
You must reside in Malaysia with a valid mobile number and of age 18 and above to be a principal account holder in Vircle.
Adding your child:
You can manage up to 5 children on your Parent Account. Each child you add will automatically be a supplementary account holder under your Vircle principal account. Steps to do so here - https://www.vircle.com/add-child
Verifying your identity:
We currently need your name, email address, IC number or passport to issue you with a basic wallet. In order to apply for a Vircle VISA card, you will need to complete the ID verification and premium wallet upgrade process before your child can be issued a Vircle VISA card.
Setting up your Parent’s Wallet:
The Parent's Wallet is a virtual wallet where you can load money from your bank account or credit/debit card. The money you load is yours, and after registering your child dependants, you may provide cash allowance to your child's card whenever, wherever. Steps to do so here - https://www.vircle.com/add-funds
Parent Wallet: This is where all your top up money goes. It's safe and secure and your child has NO direct access to the money you have in parent wallet.
Allowance Given: Whenever you approve an allowance for your child to spend, the amount is set aside in the allowance given bucket. This money still sits with you but your child has permission to use it. If you decide to set an allowance with an expiry date, the amount automatically reduces in allowance given and money goes back to Parent Wallet Available Balance upon its due date.
Available Balance: Available balance in the parent dashboard is a summary of how much money from your ewallet you can still allocate to your family or children.
For example, you have RM1,000 loaded into your parent eWallet. You have allocated RM200 to your children. Thus, your Available Balance will show RM800.
Vircle is a unique multi-user family wallet that allows a child to have 2 cards:
1) The Vircle School Cashless Card - Available at over 24 Vircle certified schools in Malaysia. The Vircle school card can be used at any Vircle certified schools across all stored in school and linked to the schools (external bookstores etc)
2) The Vircle Prepaid Visa Card - This card will give your child access with parental oversight to over 70M VISA merchants worldwide. You as a parent have full control and oversight on where, when and how your children can spend.
The Vircle app is compatible with Apple and Google-certified Android phones and devices!
iOS To download the app on your iPhone, you'll need an Apple iPhone 8 or a newer device running iOS 12 or above. You can access the Vircle App from your Apple App Store.
Android
To download the app, you'll need an Android Smartphone running version 8.1 or later. Vircle can be downloaded from your Google Play store or Huawei AppGallery.
Congratulations. You now have a parent account with Vircle. Here is what we suggest you do next:
1 - Add your children - https://www.vircle.com/add-child
2 - Select a cashless service to link your child's account.
3 - Familiarize with how to give allowance to your children - https://www.vircle.com/add-funds
4 - Get acquainted with Vircle Savings (https://www.vircle.com/saving) and Missions (https://www.vircle.com/mission) features.
5 - Start nurturing financially smart children.
Your Basic account setup gives you ;
eWallet size of RM 4,999
Monthly family spend limit of RM 4,999
Usage within the schooling environment only
Monthly eWallet top up limits
Credit/Debit Cards : MYR 1,000 per month
FPX/Online Banking : RM 4,999
Upgrade eWallet to Premium & you get :
eWallet size of RM 10,000
Monthly family spend limit of RM 120,000
Issue VISA prepaid card to children with the Vircle Club Subscription
Once you have successfully downloaded the Vircle application and powered it on, you will be prompted either to LOGIN or to SIGN UP. If you have already registered before, proceed to LOGIN, else click on SIGN UP.
You will be prompted to enter the following:
Name:
Email Address:
Phone number:
Password:
Password confirmation
Password must be a minimum of 8 characters, at least 1 small, 1 capital alphabet and numbers.
Once your basic LOGIN account has been registered, you will be required to access our terms of use, followed by the eWallet activation screen.
The Basic eWallet Registration is Mandatory for all Parents. Please note that it's an offense to give false information here as the Wallet registration is governed by the Financial Services Act 2013. Please register ONLY with Parent details here
Once you activate your Parent eWallet, you will be prompted to setup a 6 Digit User Pin. This PIN is like any other eWallet pin and is used extensive when giving allowance, purchasing and all other services which require secure access.
Congratulations, you are now a Vircle user and will be taken directly to your Parent home dashboard.
The 6 digit Transaction user PIN is used for all transactions a parent does on the Vircle wallet. Please use a number you can remember.
If you login on another device, you will be prompted to create a new 6 digit PIN.
If you have forgotten your 6 Digit User Pin, you may reset this from the following steps:
1 - From your HOME screen, tap on Settings
2 - Navigate all the way down to "Change User Pin"
3 - It will prompt you to enter your User Pin, tap on "Forgot user Pin?".
4 - You will be prompted to reset this PIN through an SMS OTP verification. Complete this process and your pin has been reset.
To add a child, from Parent Wallet Home Screen:
1. Tap on the "Add Child" button
2. Enter your child details as required
3. Confirm the details and your child will now appear under your "My Family" list on the home screen.
Select a cashless service to link to your child's account:
A) Vircle School Card
1. Select "Connect to my child's school"
2. Select either “School Provided QR Code” or “School Provided E-Invite Code”.
3. If you selected “School Provided QR Code”, your phone will automatically open up the camera app to scan the provided QR Code.
4. If you selected “School Provided E-Invite Code”, enter the invite code into the text box shown.
Note: Each child or supplementary user must be provided with a unique Vircle QR code by the school, either through an invitation brochure or Vircle card.
B) Vircle Visa Card
1. Select "Apply for a Visa Prepaid Card"
2. Tap on “Select Card & Subscription Type”.
3. Fill in your child’s preferred cardholder name (max. 16 characters)
4. Select the payment plan (monthly or annual)
5. Fill in your shipping address.
6. Tap on confirm. Your card fee will be deducted from your wallet and you will be issued a virtual card on the spot as we work on a physical card to be shipped to you.
Moving schools do not require your child to switch her existing cashless school card to a new or different card. It is a simple process to unlink and relink her card to a new school.
Before you start to unlink your cashless school card, make sure you have cleared all existing allowances given to your child.
Unlink your cashless school card
Tap on your child’s profile page.
Tap on the settings icon.
Click on “Manage Cards”.
The page will display your existing cashless school card. Click on “Unlink”.
Your cashless school card has now been unlinked.
Link your cashless school card to the new school
Tap on your child’s profile page.
Now, you will have the ability to connect to a school. Click on “Connect to my child’s school”.
Select either “School Provided QR Code” or “School Provided E-Invite Code”.
If you select “School Provided QR Code”, your phone will automatically open the camera app to scan the provided QR Code.
If you selected “School Provided E-Invite Code”, enter the invite code into the text box shown.
That’s it! Your child’s cashless school card has been successfully linked to the new school.
From the Allowance tile on your child's profile page, parents can set allowances to pay out daily or any day of their choosing. You can also allocate allowances to transfer to “Spend Anywhere”, or “Spend at Specific Store”. Here’s how to get set up: 1. Navigate to your child's profile page and tap on the "Transfer Money" tile.
2. From here, you can choose between “Spend Anywhere” or “Spend at Specific Store”. In Spend Anywhere, you have 2 types of cash allowance for your child; Spend Anytime – This cash is valid until it is fully utilized or reaches the expiry date (if any).
1. Enter the Allowance Amount Select “No Expiry” or “Set Expiry” if you wish for the allowance to have an expiry date.
2. Click on “Create Allowance” to complete the process.
Daily Limit – Recurring daily allowance with daily spending limit on selected days.
1. Enter the Allowance Amount to be deposited into your child’s account on a daily basis.
2. Select the desired dates to have spending limits.
3. Click on “Create Allowance” to complete the process.
To spend money, your child must use the Vircle School Card or Vircle Visa Card.
Your child's spending account is funded by the cash allowance provided by the parents through the Vircle app. To spend the available balance on the Spending Account, your child will only need to tap their Vircle Card upon purchase.
Spend Anywhere – this features allows your child to spend his/her balances at any store they wish.
*However, do note that if your child is using the Vircle School Card, this is feature will be limited to school stores.
Spend at a Specific Store – is an allowance which your child can spend at stores you specifically allow. If your child tries to purchase from a store not included in this category, the payment will be denied. Thus, this feature allows parents complete control over where their child's allowances can be spent at!
We have made it super easy to check your child's spending history.
1. Navigate to your child's profile page.
2. Click on the Spend History.
3. You then have the ability to filter by the last 7 days, 30 days, 60 days, or 90 days as well as type of transactions such as Payments, Refund or Cancelled.
Take note: If a purchase happens in-app by the parent (such as for meal or e-store purchases), such purchases will not appear under your child's spending history but will appear under the parent's spending history (Home -> History)
How to top up
Log in to the Vircle App
Tap “Top Up” on the Parent dashboard
Choose your top-up method:
DuitNow (recommended)
FPX Online Banking
Debit/Credit Card (Visa™ or Mastercard™)
Enter the amount and follow the on-screen instructions to complete your top-up
Any applicable fees will be clearly shown in-app before confirmation.
Important notes
Foreign-issued Visa™ cards are not supported, and foreign-issued Mastercard™ cards may be rejected depending on your overseas bank.
A 1% convenience fee applies to credit card top-ups.
Monthly top-up limits apply and are shown in-app.
Once the top-up is successful, the balance will appear in your Parent’s e-wallet, and you can transfer funds to your child immediately.
For “Debit/Credit Card” (Total monthly top up is limited to RM1,000):
1. Scan your Debit/Credit Card or enter your Debit/Credit Card details manually.
2. Verify the transaction via text (SMS OTP).
Upon successful payment, you should be automatically redirected to your Parent's dashboard and have the ability to transfer money to your Vircle Child.
Top-ups made via DuitNow, FPX Online Banking, or Debit/Credit Card will appear immediately in your Parent’s e-wallet. Once credited, the balance is instantly available for you to transfer to your child as allowance.
Not all credit cards are accepted.
Malaysian-issued Visa™ and Mastercard™ cards are supported and continue to work for top-ups.
Foreign-issued Visa™ cards are no longer supported due to new card-network requirements.
Foreign-issued Mastercard™ cards may still work, but approval depends on whether the issuing bank supports the required compliance checks. As a result, these cards may be rejected more often.
These limitations are not unique to Vircle and apply across most major Malaysian e-wallets following industry-wide regulatory changes.
For the most reliable top-up experience, we recommend using DuitNow, FPX, or Wise™ (via DuitNow).
The My Earnings Summary provides a summary of all Stars or Money earned by a child through completing tasks and missions you assign. Each time a parent approves a Mission, Stars or Money gets added into their Earnings Summary.
These rewards remain in the Earning’s Summary until it is claimed.
To claim rewards:
i. Navigate to your child's profile page.
ii. Tap on Missions.
iii. Select My Rewards.
iii. Click on Claim Reward.
Your child will need access to the Vircle app on their smart device to be able to view their Missions list on their own.
Step 1 : Open their Vircle app and scroll to the "Missions" section of the child profile page.
Step 2 : From the “Active” tab, they will be able to see what Missions they need to complete that are either one-time or weekly Missions.
Step 3 : Once the Mission is completed, parents have the option to “Approve” the Mission and deposit the rewards in money or “Stars” into their child's account.
Parents can choose to reward their child with monetary value or non-monetary value.
For example:
Parents should reward their child with “Money” if they desire to reward their child with cash to spend at stores.
Eg: Making their bed will reward the child RM5.00
Alternatively, parents should reward their child with “Stars” if they desire to reward their child with some TV screen time.
Eg: Making their bed will reward them with 30mins of watching their favorite cartoon show.
To add money to your child's General Savings:
Step 1 : Navigate to your child's profile page.
Step 2 : Tap on the Savings tile.
Step 3 : Click on “General Savings”.
Step 4 : Click on “Transfer”.
Step 5 : Enter this amount you would like to transfer into your child’s General Savings.
Step 6 : Click “Confirm” to complete the process.
Your child’s General Savings balance will update automatically.
To set up a new Mission for your child:
Step 1 : Navigate to the child's profile page and scroll to the "Missions" section.
Step 2: Click on "New Missions."
Step 3. : You may enter your own missions title and description or select any of Vircle’s preset missions by clicking “Choose Mission”.
Step 4 : Once you have set the mission:
One-Off: If it’s a one-time chore that can be completed anytime, enter the reward amount in “Money” or “Stars”.
Fixed Date: If it’s a mission that must be completed by a specific date, enter the due date and the reward amount in “Money” or “Stars”.
Weekly: If it’s a weekly chore, select the days of the week you would like the chore to be completed and enter the reward amount in “Money” or “Stars”.
When you are finished, tap "Start Mission Now"
From the Missions page, click “Approve” on any mission you desire to approve. A pop-up will appear for confirmation. Click “Confirm”. Your child’s Earnings Summary will be credited with stars or money which are pre-determined when setting up the Mission.
Do note that for money reward, there will be no impact on the Parent’s eWallet until you choose to cash out the rewards through “My Reward”.
If you wish to undo an approval, just tap on “Undo”.
All Missions are completely custom to what you would like your child to do.
However, parents also have the option to select preset Missions created by Vircle when creating your child's chore list.
One-Off : A one-time mission is a single chore with no due date and can be completed anytime. It does not need to be repeated on a regular basis.
Fixed Date : A fixed-date mission is a single chore with a single due date.
Weekly : These are weekly Missions that will be repeated
Absolutely! The Parent can delete any Mission for a specific child. Here is how to do this:
i. Navigate to the child's dashboard and scroll to the "Missions" section of their dashboard.
ii. Navigate to the “Assigned” tab
iii. Click on the “Delete” icon on the right side of any Mission.
iv. A pop-up will appear to confirm this action.
v. Tap on “Remove Now” to complete the process.
With Vircle's Savings Goals we've made it easier for you to enable your child to establish responsible savings habits by setting Savings Goals to save for specific purposes - such as a new bicycle, phone, game, or adventures!
Parents move their money from their Parent eWallet Available Balance to a child’s General Savings. Think of General Savings as a piggy bank.
Your child can now create savings goals with their target amount and save by the dates set. Vircle automatically updates their goals on a weekly basis, moving money from General savings into goals automatically.
Parents can approve completed goals by paying out completed goals as Cash (outside Vircle) or as a Spend Anywhere allowance (inside Vircle).
Using Vircle Savings is as simple as a 4-step process.
i. Parent uses the “Transfer” option to “Transfer In” money from Parent eWallet Available Balance account to Child’s “General Savings”. Think of General Savings as a piggy bank with money.
ii. Child may set Savings goals with Parents or Parents may set Goals for Child using the “Create Goal” Option. Key in the goal details such as “Goal Name”, “Save by date” and you may add a picture to this goal as well. Once that is done, your child’s Goal is live and running.
iii. Now, it’s time to let Vircle do its magic! Every 7 days, Vircle will automatically move money from General Savings to each Goal. Your Child’s Goal grows automatically as long as there is enough money in their General Savings.
iv. When a goal has been completed, as a Parent you will be prompted to “Approve” and select how the goal is paid out. When you choose Pay as cash, you should give your child physical money and the goal amount is then released back to your Parent eWallet Available Balance. If you set the payout as “Give as Cash Allowance” the Goal amount will transfer to your child’s Spending Account as a “Spend Anywhere” Allowance.
Note: Please make sure you have transferred enough money into your child’s General Savings account before you create a goal.
i. Navigate to your child's profile page.
ii. Tap on the Savings tile.
iii. Click on "Create New Goal."
iv. From the Savings Goal screen, input what the goal is for, the amount and date to save by.
v. Click "Create Goal" and you are good to go!
To edit a current Savings Goal:
i. Click on the Savings Goal you would like to edit.
ii. Click on the edit icon at the top right of the page.
iii. From this screen you can change the name of the Savings Goal, the goal amount, date to save by and delete the Savings Goal if necessary.
Once your goal has been created, every 7 days, Vircle automatically moves money from your child's general savings account to each goal.
Example: If your Goal is to save RM 100 across 4 weeks, each week, RM 25 is transferred from General Savings into this goal, until it reaches RM 100. This is done automatically.
Yes, you can! To do so:
i. Tap on the goal you want to boost
ii. As a parent, you will be allowed to transfer IN money into a specific goal. You will be allowed to boost up to a maximum of the balance of the Goal. Example: If a Goal is RM 100, and it has already RM 50 via auto save, you may Boost up to RM 50 which will then complete the goal.
As a parent, you will need to approve Goals that are completed.
a. All completed Goals will be visible with a green box next to it that says “Approve”
b. When you select “Approve”, we will prompt you on how you will like to payout this Goal. There are 2 options:
i) Pay as Cash – This is done outside Vircle. If you select this option, the money
locked up in this goal is released back to your Parent eWallet, Available balance account.
ii) Pay as Cash Allowance – This transfers the Goal amount from your child’s Savings to Spending Account as a Spend Anywhere Cash Allowance.
To transfer money out from your child’s Savings into your parent eWallet:
From your child’s savings tab, tap on the “Transfer” option.
Select the “Transfer Out” tab.
Enter the amount you would like to transfer out.
Click on confirm.
Done! Your money has been moved out of your Child’s General Savings into your Parent eWallet Available Balance account.
*Please note, if your child has active goals ongoing, the weekly auto-save will not work if there isn’t enough money in their General Savings account.
Vircle is the 1st Family eWallet focused on helping parents raise financially smart kids. We turn every parent to a real world digital bank, currently with our child safe, school friendly cashless school card and soon the Vircle Visa Prepaid Card, Malaysia's Truly Child Safe Prepaid Card.
Vircle broadly allows you as a parent to teach kids the following:
1) Responsible Spending - Through our parent guided Allowance Control
2) Vircle Savings - Through our in App Savings module
3) Vircle Missions - Set goals, missions tied to both monetary and non-monetary rewards. Let them learn independance through chores & tasks and earn their rewards regularly.
Each App user may manage up to 5 Children on the Vircle app.
No, your child does NOT need a phone. They get a card and you get an APP.
NOTE : End 2021, we will enable child logins (optional). You will as a parent Tap your child's Profile -> Settings & Activate child logins. Your child can then download Vircle, they DO NOT need to register, they can directly login using the activation email and password you created for them.
Vircle is fully regulated under the Bank Negara Malaysia's Financial Services act as a e-money service operating under Principal license Fasspayment Sdn Bhd.
We employ the same Bank Grade security protocols you would expect from all E-wallet players in Malaysia and over and above as Malaysia's 1st Parental Oversign Payment service, we employ multiple controls and safety features to protect your child's payment card and Parent Wallet.
Any Malaysian Citizen or Foreigners with malaysian Residency pass/Visa holder, who is 18 years of 18 and above with a Valid Mobile number can register and activate for a parent wallet account.
Each parent may have any number of children registered under their parent account as dependant. A Child need NOT have a mobile device.
The Vircle cashless School card can be used at over 25 leading schools in Malaysia while the soon to be launch Malaysia's 1st and truly Child Safe Visa Debit card can be used at over 70M VISA merchants worldwide.
Just drop us an email to support@vircle.com or info@vircle.com and we'll get cracking with a demo and presentation.
Vircle is compliant to the E-Wallet regulations and fulfill all conditions school need to meet under the 2021 Exposure from Central bank which will govern the use of prepaid/payment cards in communities such as schools.
We're also the ONLY regulated, Child Safe, School focused e-wallet to take the time to obtain regulator approvals. Do drop us an email on support@vircle.com to understand better regulatory impacts on schools going cashless.
Our Smallest school, with 200 children, was deployed in 7 days. While our largest school took up to 4 weeks. Vircle typically needs 1 to 2 weeks to setup a new school and train the merchant and administrative staff. We can then onboard all the school's parents, which will typically take 1 or 2 weeks, making them comfortable to use Vircle.
The entire onboarding process can be carried out remotely.
As a cloud native multi school platform, Vircle has NO servers required in school. The only costs a school has is a small setup fee + Point of Sales hardware cost.
Our commercial model is pure transactional only, like any bank card or wallet service.
For all Vircle operating schools in Malaysia, currently Meal Plans are mandatory way to obtain food from school canteens. This is done to adhere to the strict Ministry of Education (MOE) Strict SOPs for student mingling during recess.
Once the MOE allows open canteen for students, you may opt to give "Cash allowance" and allow your child to choose a meal, tap & pay at the school canteen.
Please adhered to the strict opening and closing times for the meal orders which are specific to each school.
All meal plans are managed and operated by the cafe/canteen merchant. Vircle does not control of have influence on this, though we provide best practices for them to follow.
The following details provide you the the current meal plan order timelines for each Vircle school. Please note:
1) Some canteens do not always publish weekly meals on time (human issues)
2) Some canteens may opt to close early in some circumstances
Parents are adviced to purchase early on the week to make sure their child has meals for the following week.
Here are the standard guides for meal plans:
Fairview Schools (KL, Subang, JB, Ipoh & Penang) : Meals are published Monday and closes every Friday 12 Midnight for the following schooling week.
ELC Sungai Buloh : Meals are published by Tuesday Noon every week and closes every Saturday 12 Midnight for the following schooling week.
Sri KDU National Secondary School : Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week.
Sri KDU National Primary School : Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week.
Sri KDU International School Damansara : Meals are published 10 days before meal start date and closes Wednesday 12 Midnight for the following schooling week. Please always purchase BEFORE wednesday every week for the following week.
Sri KDU International School Klang: Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week.
Real Schools Shah Alam - Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week..
Real Schools Cheras - Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week..
Havil International Schools - Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week.
Uplands School Penang - Meals are published 2 weeks in advance and closes every Friday 12 Midnight for the following schooling week.
Etonhouse International school - Meals are published 2 weeks in advance and closes FRiday 12 midnight for the following shcooling week.
All other schools not listed above DO NOT currently offer meal plans.
If you have missed the ordering date, please contact the respective canteens directly for request to take manual orders, not Vircle. You may find their contacts in the FAQ - how to contact my school merchant.
When you purchase a meal plan, money is deducted DIRECTLY from PARENT AVAILABLE BALANCE, not your child's card allowance.
Please have enough Parent Available Balance.
Your child's card - cash allowance is ONLY used by your child to make purchases in school, over the counter.
Dont worry, it happens. You are not alone. Every school has a different process for missed orders. Please look for your school details below and follow the instruction.
Fairview Schools KL : Please provide CASH ALLOWANCE, students who missed pre-orders may tap and pay at school.
Fairview SchoolsSubang : Please provide CASH ALLOWANCE, students who missed pre-orders may tap and pay at school. Please whatsapp and inform Ms Nadirah/Sumi, 0109218023
Fairview SchoolsPenang : Please provide CASH ALLOWANCE, students who missed pre-orders may tap and pay at school. Contact PIC tharmas.pg@fairview.edu.my
Fairview SchoolsIPOH : : Please provide CASH ALLOWANCE, students who missed pre-orders may tap and pay at school
Fairview SchoolsJB : You should place manual meal plan orders to school, please contact Agnes 010-234 8023
ELC Sungai Buloh : You should place manual meal plan orders with KBR Cafe, please contact Ram 019-7760916 or KBR support 018-2113255.
Sri KDU National Secondary School : You should place manual meal plan orders with Sau Leng Enterprise, contact Carlson 0126341786
Sri KDU National Primary School : You should place manual meal plan orders with KBR Cafe, contact Farah 01111797698 or KBR support 0182113255
Sri KDU International School Damansara : You should place manual meal plan orders with Just for you Enterprise, contact Ms Mei 0122083426
Sri KDU International School Klang: You should place manual meal plan orders with KBR Cafe, contact KBR support 0182113255
Real Schools Shah Alam - You should place manual meal plan orders with MJ Excel Enterprise , contact Justin at 0162075991
Real Schools Cheras
Havil International School - Please contact the school.
Uplands School Penang - Give your child a "cash allowance" , they may tap & pay for their meal plan at school.
Sometimes, you may find the "Available Meal Plans" page show a "No meal Plans available or meals plans have closed" notice. This is due to 2 reasons:
1 - Your school canteen/cafe merchant has NOT published the meal plan for the following weeks - this happens as some merchants are slow
2 - You have missed the order close date for the following week's meal plan :( - look at FAQ "I forgot to order meals for my child, what do i do? " FAQ for school specific instruction.
Meal plans are published by your school cafeteria and are offered as daily, weekly, monthly, or term-based plans for in-school dining. If your child's school offers this, it shall be visible under your childs’ profile page.
Meal plans are paid in advance via the Vircle app by the parent. Money will be deducted from the Parent e-Wallet – Available Balance directly for meal plans, NOT from your child’s cash allowance on card. Please have sufficient available balance on your parent wallet (you may see this on your home screen).
Please note that all prepaid meal plans are NON-refundable by the store owner. As such please make sure you only purchase them when you have decided to put your child on a pre-paid meal plan or as mandated by your child's school. To purchase a prepaid meal plan, follow these steps:
Step 1: Navigate to your child’s profile page.
Step 2: Tap on Prepaid Meal Plans (some schools call it Meal Plans).
Step 3: Select your child’s Year and Class.
Step 4: Select the available meal plans (see meal dates on description).
Step 5: Tap on View Menu to see all available meals. When ready just tap on + circle button to select a meal for a specific date. As you select meal items, the Review Order bar below will refresh.
Step 6: Once you are ready, click on Review Order, if all is good, click on Pay Now. A purchase confirmation screen will appear and if you have sufficient Available Balance, it will allow you to proceed. Else it will request you to top up.
Step 7: If you have enough Available Balance, click on Confirm after and enter your 6-digit User Pin. The purchase should process, and you should see a confirmation pop up. If the purchase fails, please try again or contact customer care.
That’s it! Your meal plan for your child has been purchased.
Our 1st Launch is targeted for Parents, Kids and the cashless school environment where mobile phones are not allowed. Through Vircle, parents can digitally provide spend approvals to their children, have control and visibility of what their children spend and consume at school. Digital approvals are either mapped to the kids existing student cards, wearable devices or contactless cards supplied by Vircle through your child's school.
With Vircle you get to digitally control in real time any form of allwance you give your child and at the same time have visility on how they are spending it, what they buy with their money and so on. You can then use that data to have conversations with your child on nurturing better spending habits.
Our 1st Launch is targeted for Parents, Kids and the cashless school environment where mobile phones are not allowed. Through Vircle, parents can digitally provide spend approvals to their children, have control and visibility of what their children spend and consume at school. Digital approvals are either mapped to the kids existing student cards, wearable devices or contactless cards supplied by Vircle through your child's school.
With Vircle you get to digitally control in real time any form of allwance you give your child and at the same time have visility on how they are spending it, what they buy with their money and so on. You can then use that data to have conversations with your child on nurturing better spending habits.
With a Vircle app on the phone, Parents can select to approve for their kids several types of spend approval, depending on what your school supports:
Cash Approvals – You set a specific cash amount kids are allowed to spend and the limits, enabling children to spend on whatever they want within the limits you set.
Item Approvals* – You select specific items kids are allowed to purchase or pick up in any stores within the school.
Meal Plan Approvals* – You to pre-select and pay school meal plans by term and keep track of your child's consumption.
*Only available at supporting schools.
Your child then uses his or her school card, Vircle Wearable OR Vircle QR Card to scan their identity at a specific store and spend. When they spend on a cash approval, you will get feedback on exactly what they had purchased. For Item approval, you will know exactly what item was picked up at the designated store. For all food consumption, food nutrition value is scored and shared with you in your transaction history.
Parent Wallet : This is where all your top up money goes. Its safe and secure and your child has NO access the money you have in Parent wallet.
Allowance Given : Whenever you approve an allowance for your child to spend, the amount is set aside in the allowance given bucket. This money still sits with you but your child has permission to use it. If your child's allowance expires, the amount automatically reduces in allowance given and money goes back to Parent Wallet.
Available Balance : Available balance is a summary of how much money from your ewallet you can still allocate to your children.
In Simple math, Available Balance = Parent Wallet - Allowance Given.
Follow the following steps to be fully ready to use Vircle. You may find guide videos on our website www.vircle.com which may help you through the process.
Step 1: Download the Vircle App from the Google Play Store or Apple App Store.
Step 2: Register for a Vircle Account, Choose “Sign up” once your app has fully loaded. You will also be required to activate your Ewalet during this process.
Step 3: Add a V Friend. You would have received an welcome pack from us, distributed through the school which contains a QR code specific to your child. Follow the instruction and register your child’s personal details and health input.
Step 4: You will now see your Child listed under Vircles Page. Click on your Child’s photo and you will see details of approvals your child has. To provide your child a “V Give”, click on the Green icon on the low right side of your screen such as the following:
within your childs approval and it shall start the V Give approval process.
Step 5: Now that you have given a V Give approval, DO NOT forget to top up your wallet with money, else when you child tries to spend the approval, it will be rejected. Click on the Vircle logo at the center of your app or Go to Settings->Top Up Wallet and top up your wallet.
Step 6: Now you are ready, you can go back to each approval you have given and see how your child has spent and on what he or she has spent. For Food spending, you will now have visibility on nutrition score of what your child has eaten in school.
Follow the following steps to be fully ready to use Vircle. You may find guide videos on our website www.vircle.com which may help you through the process.
Step 1: Download the Vircle App from the Google Play Store or Apple App Store.
Step 2: Register for a Vircle Account, Choose “Sign up” once your app has fully loaded. You will also be required to activate your Ewalet during this process.
Step 3: Add a V Friend. You would have received an welcome pack from us, distributed through the school which contains a QR code specific to your child. Follow the instruction and register your child’s personal details and health input.
Step 4: You will now see your Child listed under Vircles Page. Click on your Child’s photo and you will see details of approvals your child has. To provide your child a “V Give”, click on the Green icon on the low right side of your screen such as the following:
within your childs approval and it shall start the V Give approval process.
Step 5: Now that you have given a V Give approval, DO NOT forget to top up your wallet with money, else when you child tries to spend the approval, it will be rejected. Click on the Vircle logo at the center of your app or Go to Settings->Top Up Wallet and top up your wallet.
Step 6: Now you are ready, you can go back to each approval you have given and see how your child has spent and on what he or she has spent. For Food spending, you will now have visibility on nutrition score of what your child has eaten in school.
Vircle uses the Electronic Wallet (E-wallet) technology to store your money digitally. E-Wallet is regulated by Bank Negara Malaysia (BNM) under the Financial Services Act 2013 (FSA). As part of this regulation, we are legally required to know our customers through a legal and valid idenitity when storing and paying using the E-wallet.
This is to make sure your money is safe and it is not used for money luandering purposes. For this reason, we are legally obliged to collect and securely store your identity data, which is protected through our Terms of use and privacy policy.
As per BNM regulations, each mobile number may ONLY be linked to 1 Vircle Account. If you wish to have multiple Vircle Accounts, you may do so using a separate mobile number and phone.
NO, only 1 parent is allowed to manage a child at this moment. Your child's payment card must be tied to only 1 Wallet at a time as required by regulators. As a primary parent, you can remove your child from your account via Friend Details -> Settings -> "remove friend" then your spouse may scan the child's QR code given originally by the school to add your child into your spouse's account.
This is done to safeguard your Childs' security as we do not want a 3rd party person in future to add your child to their application and have access to your child's information or give them money without a parents approval.
NO, only 1 parent is allowed to manage a child at this moment. Your child's payment card must be tied to only 1 Wallet at a time as required by regulators. As a primary parent, you can remove your child from your account via Friend Details -> Settings -> "remove friend" then your spouse may scan the child's QR code given originally by the school to add your child into your spouse's account.
This is done to safeguard your Childs' security as we do not want a 3rd party person in future to add your child to their application and have access to your child's information or give them money without a parents approval.
You Have 2 options:
1) Stop all allowance - No one can use your money
From your main screen,
a) Tap on child profile -> You will be taken into child profile page
b) You can see all allowance, tap each of it and Hit "Stop"
c) Confirm and the allowances will be removed from your child's approvals
2) Freeze card
From your main screen,
a) Tap on child profile -> You will be taken into child profile page
b) Select "Manage Card:
c) Tap on Freeze card, when its done, it will show "Unfreeze card"
d) You can unfreeze this card once you have found the physical card
If the card is lost, obtain a new card from school and they will link it to you child's account.
You Have 2 options:
1) Stop all allowance - No one can use your money
From your main screen,
a) Tap on child profile -> You will be taken into child profile page
b) You can see all allowance, tap each of it and Hit "Stop"
c) Confirm and the allowances will be removed from your child's approvals
2) Freeze card
From your main screen,
a) Tap on child profile -> You will be taken into child profile page
b) Select "Manage Card:
c) Tap on Freeze card, when its done, it will show "Unfreeze card"
d) You can unfreeze this card once you have found the physical card
If the card is lost, obtain a new card from school and they will link it to you child's account.
NO, dont worry. Your e-wallet funds sits in a safe trust account and cash out is NOT allowed from Vircle unless when you close your account.
Just re-download Vircle application on your new phone and login with your existing Vircle credentials.
You will need an Android Smartphone running Android version 7 and above OR Apple Iphone running iOS version 11.0 and above Starting with IPhone 8 Plus. These are mostly phones that have released late 2017 onwards.
Vircle will not work on older OS version as it's been mandated by Bank Negara Malaysia that all new payment service providers must adhered to strict Android and iOS security needs.
Vircle is governed by several laws of the country.
Under the PDPA Act, we are legally bound to protect your identity, not disclose or sell any raw personal data to any 3rd parties.
On the Wallet side, we are governed by the BNM Financial Services Act 2013, which has strict compliance requirements on data privacy.
On technology security, all money movement, wallet top ups are done through secure PCI DSS security infrastructure. In layman terms, PCI DSS is bank grade security infrstructure and processes which needs to be adhered to before central banks allows our banking partners to operate. As a service provider, we have strict requirement to meet before we are allowed to integrate with these banking partner.
How do we use user data?
We use data generated from this platform to enrich you, our customers with insights on diet, wellbeing, spending and more. Hence, we process your consumption data to provider powerfull insights and intelligence back to you.
We would from time to time share data with our partner schools and research partners but only anonymize data (example % of users, data based on collective age groups of users etc), i.e we will NOT share any identifiable personal data about you, our customer, or your V Friends (your child) to any 3rd parties.
We would on certain circumstances be required to share actual personal data with regulators as stipulated under the laws of the country and that too only through formal investigative enquiries .
Rest assured as a startup, we intend to grow big, trust worthy and note worthy on our social impact to society, we strife to take every steps required to continue to gain that trust from you.
Vircle-short of Visible Circle, is a state-of-the-art parental control payments platform which allows you as a parent and wallet user to onboard and register children under your account and give them allowance digitally tied to a Vircle card or school card.
Vircle is the 1st of its kind parental control platform approved in Malaysia under the Financial Services Act 2013, governed throught the Electronic Money Instrument (EMI) regulations of Bank Negara Malaysia.
Using Vircle, you can safely provide spend approvals to your Child from your Vircle Wallet and track their spending and consumption.
Our 1st Launch is targeted for Parents, Kids and the cashless school environment where mobile phones are not allowed. Through Vircle, parents can digitally provide spend approvals to their children, have control and visibility of what their children spend and consume at school. Digital approvals are either mapped to the kids existing student cards, wearable devices or contactless cards supplied by Vircle through your child's school.
With Vircle you get to digitally control in real time any form of allwance you give your child and at the same time have visility on how they are spending it, what they buy with their money and so on. You can then use that data to have conversations with your child on nurturing better spending habits.
With a Vircle app on the phone, Parents can select to approve for their kids several types of spend approval, depending on what your school supports:
Cash Approvals – You set a specific cash amount kids are allowed to spend and the limits, enabling children to spend on whatever they want within the limits you set.
Item Approvals* – You select specific items kids are allowed to purchase or pick up in any stores within the school.
Meal Plan Approvals* – You to pre-select and pay school meal plans by term and keep track of your child's consumption.
*Only available at supporting schools.
Your child then uses his or her school card, Vircle Wearable OR Vircle QR Card to scan their identity at a specific store and spend. When they spend on a cash approval, you will get feedback on exactly what they had purchased. For Item approval, you will know exactly what item was picked up at the designated store. For all food consumption, food nutrition value is scored and shared with you in your transaction history.
Parent Wallet : This is where all your top up money goes. Its safe and secure and your child has NO access the money you have in Parent wallet.
Allowance Given : Whenever you approve an allowance for your child to spend, the amount is set aside in the allowance given bucket. This money still sits with you but your child has permission to use it. If your child's allowance expires, the amount automatically reduces in allowance given and money goes back to Parent Wallet.
Available Balance : Available balance is a summary of how much money from your ewallet you can still allocate to your children.
In Simple math, Available Balance = Parent Wallet - Allowance Given.
Follow the following steps to be fully ready to use Vircle. You may find guide videos on our website www.vircle.com which may help you through the process.
Step 1: Download the Vircle App from the Google Play Store or Apple App Store.
Step 2: Register for a Vircle Account, Choose “Sign up” once your app has fully loaded. You will also be required to activate your Ewalet during this process.
Step 3: Add a V Friend. You would have received an welcome pack from us, distributed through the school which contains a QR code specific to your child. Follow the instruction and register your child’s personal details and health input.
Step 4: You will now see your Child listed under Vircles Page. Click on your Child’s photo and you will see details of approvals your child has. To provide your child a “V Give”, click on the Green icon on the low right side of your screen such as the following:
within your childs approval and it shall start the V Give approval process.
Step 5: Now that you have given a V Give approval, DO NOT forget to top up your wallet with money, else when you child tries to spend the approval, it will be rejected. Click on the Vircle logo at the center of your app or Go to Settings->Top Up Wallet and top up your wallet.
Step 6: Now you are ready, you can go back to each approval you have given and see how your child has spent and on what he or she has spent. For Food spending, you will now have visibility on nutrition score of what your child has eaten in school.
Vircle uses the Electronic Wallet (E-wallet) technology to store your money digitally. E-Wallet is regulated by Bank Negara Malaysia (BNM) under the Financial Services Act 2013 (FSA). As part of this regulation, we are legally required to know our customers through a legal and valid idenitity when storing and paying using the E-wallet.
This is to make sure your money is safe and it is not used for money luandering purposes. For this reason, we are legally obliged to collect and securely store your identity data, which is protected through our Terms of use and privacy policy.
Prepaid meal plans are weekly, monthly or term based meal plans your child's school may offer via Vircle. If your Child's school offers this, it shall be visible under your approval type. Prepaid meal plans are paid in advance via the Vircle app and will appear in our transaction history as "In-App Purchase".
All prepaid meal plans are NON refundable by the store owner. As such please make sure you only purchase them when you have decided to put your child on a pre-paid meal plan or as mandated by your child's school.
As per BNM regulations, each mobile number may ONLY be linked to 1 Vircle Account. If you wish to have multiple Vircle Accounts, you may do so using a separate mobile number and phone.
Prepaid meal plans are weekly, monthly or term based meal plans your child's school may offer via Vircle. If your Child's school offers this, it shall be visible under your approval type. Prepaid meal plans are paid in advance via the Vircle app and will appear in our transaction history as "In-App Purchase".
All prepaid meal plans are NON refundable by the store owner. As such please make sure you only purchase them when you have decided to put your child on a pre-paid meal plan or as mandated by your child's school.
Prepaid meal plans are weekly, monthly or term based meal plans your child's school may offer via Vircle. If your Child's school offers this, it shall be visible under your approval type. Prepaid meal plans are paid in advance via the Vircle app and will appear in our transaction history as "In-App Purchase".
All prepaid meal plans are NON refundable by the store owner. As such please make sure you only purchase them when you have decided to put your child on a pre-paid meal plan or as mandated by your child's school.
As per BNM regulations, each mobile number may ONLY be linked to 1 Vircle Account. If you wish to have multiple Vircle Accounts, you may do so using a separate mobile number and phone.
As per BNM regulations, each mobile number may ONLY be linked to 1 Vircle Account. If you wish to have multiple Vircle Accounts, you may do so using a separate mobile number and phone.
NO, only 1 parent is allowed to manage a child at this moment. Your child's payment card must be tied to only 1 Wallet at a time as required by regulators. As a primary parent, you can remove your child from your account via Friend Details -> Settings -> "remove friend" then your spouse may scan the child's QR code given originally by the school to add your child into your spouse's account.
This is done to safeguard your Childs' security as we do not want a 3rd party person in future to add your child to their application and have access to your child's information or give them money without a parents approval.
You Have 2 options:
1) Stop all allowance - No one can use your money
From your main screen,
a) Tap on child profile -> You will be taken into child profile page
b) You can see all allowance, tap each of it and Hit "Stop"
c) Confirm and the allowances will be removed from your child's approvals
2) Freeze card
From your main screen,
a) Tap on child profile -> You will be taken into child profile page
b) Select "Manage Card:
c) Tap on Freeze card, when its done, it will show "Unfreeze card"
d) You can unfreeze this card once you have found the physical card
If the card is lost, obtain a new card from school and they will link it to you child's account.
Vircle is governed by several laws of the country.
Under the PDPA Act, we are legally bound to protect your identity, not disclose or sell any raw personal data to any 3rd parties.
On the Wallet side, we are governed by the BNM Financial Services Act 2013, which has strict compliance requirements on data privacy.
On technology security, all money movement, wallet top ups are done through secure PCI DSS security infrastructure. In layman terms, PCI DSS is bank grade security infrstructure and processes which needs to be adhered to before central banks allows our banking partners to operate. As a service provider, we have strict requirement to meet before we are allowed to integrate with these banking partner.
How do we use user data?
We use data generated from this platform to enrich you, our customers with insights on diet, wellbeing, spending and more. Hence, we process your consumption data to provider powerfull insights and intelligence back to you.
We would from time to time share data with our partner schools and research partners but only anonymize data (example % of users, data based on collective age groups of users etc), i.e we will NOT share any identifiable personal data about you, our customer, or your V Friends (your child) to any 3rd parties.
We would on certain circumstances be required to share actual personal data with regulators as stipulated under the laws of the country and that too only through formal investigative enquiries .
Rest assured as a startup, we intend to grow big, trust worthy and note worthy on our social impact to society, we strife to take every steps required to continue to gain that trust from you.
Vircle is governed by several laws of the country.
Under the PDPA Act, we are legally bound to protect your identity, not disclose or sell any raw personal data to any 3rd parties.
On the Wallet side, we are governed by the BNM Financial Services Act 2013, which has strict compliance requirements on data privacy.
On technology security, all money movement, wallet top ups are done through secure PCI DSS security infrastructure. In layman terms, PCI DSS is bank grade security infrstructure and processes which needs to be adhered to before central banks allows our banking partners to operate. As a service provider, we have strict requirement to meet before we are allowed to integrate with these banking partner.
How do we use user data?
We use data generated from this platform to enrich you, our customers with insights on diet, wellbeing, spending and more. Hence, we process your consumption data to provider powerfull insights and intelligence back to you.
We would from time to time share data with our partner schools and research partners but only anonymize data (example % of users, data based on collective age groups of users etc), i.e we will NOT share any identifiable personal data about you, our customer, or your V Friends (your child) to any 3rd parties.
We would on certain circumstances be required to share actual personal data with regulators as stipulated under the laws of the country and that too only through formal investigative enquiries .
Rest assured as a startup, we intend to grow big, trust worthy and note worthy on our social impact to society, we strife to take every steps required to continue to gain that trust from you.
NO, dont worry. Your e-wallet funds sits in a safe trust account and cash out is NOT allowed from Vircle unless when you close your account.
Just re-download Vircle application on your new phone and login with your existing Vircle credentials.
NO, dont worry. Your e-wallet funds sits in a safe trust account and cash out is NOT allowed from Vircle unless when you close your account.
Just re-download Vircle application on your new phone and login with your existing Vircle credentials.
You will need an Android Smartphone running Android version 7 and above OR Apple Iphone running iOS version 11.0 and above Starting with IPhone 8 Plus. These are mostly phones that have released late 2017 onwards.
Vircle will not work on older OS version as it's been mandated by Bank Negara Malaysia that all new payment service providers must adhered to strict Android and iOS security needs.
You will need an Android Smartphone running Android version 7 and above OR Apple Iphone running iOS version 11.0 and above Starting with IPhone 8 Plus. These are mostly phones that have released late 2017 onwards.
Vircle will not work on older OS version as it's been mandated by Bank Negara Malaysia that all new payment service providers must adhered to strict Android and iOS security needs.
At the moment, we do not allow a second parent/provider to scan and add a child into their Vircle friend list. Once a child has been scanned and added into 1 providers' Vircle application, the system would not allow them to be scanned and added into a 2nd Vircle application.
This is done to safeguard your Childs' security as we do not want a 3rd party person in future to add your child to their application and have access to your child's information. This has been the current mandate from a regulations point of view.
You Have 2 options:
1) Stop all allowance - No one can use your money
From your main screen, a) Tap on child profile -> You will be taken into child profile page b) You can see all allowance, tap each of it and Hit "Stop" c) Confirm and the allowances will be removed from your child's approvals
2) Freeze card
From your main screen,
a) Tap on child profile -> You will be taken into child profile page b) Select "Manage Card: c) Tap on Freeze card, when its done, it will show "Unfreeze card" d) You can unfreeze this card once you have found the physical card
If the card is lost, obtain a new card from school and they will link it to you child's account.
Each child you register in vircle must be provided with a unique Vircle QR code, either through an invitation brochure or Vircle card. This should be coordinated with your respective schools.
To add a child, from Parent Wallet Home Screen:
a) Tap on "Add Child" button
b) Choose "Scan QR"
c) Click next and Register your child details
d) You must be put accurate child info as this is rgeulated by Bank Negara Malaysia.You will be required to provide the following data when adding Vircle Friends into your trusted friend list.
1 - Photograph selfie of child
2 - Full name as per IC
3 - Nationality
4 - NRIC Number or Passport number
5 - Date of birth.
e) Confirm and you are done. Your child will now appear under your "My Family" list on the Home screen.
The Virle child detail page has several options :
Settings Icon - Allows you update your child's Photo, remove your child from Vircle or update your Child's QR code to a new QR code.
Health - Available to participating Schools. The Vircle health service enables parents to have detailed analytics, insights and nutrition details on the food choices children make in schools. It allows parents to coach children and schools to gamify healthy eating with the aim of solving childhood related non-communicable diseases linked to food intake.
Spend History - Details of all purchase transactions done by your child using allowance you have approved for them.
Spending - All approved allowance, purchased meal plans will be visible here.
Each Child you register in Vircle must be provided with a unique QR code by Vircle, either through an invitation brochure or Vircle card. This is done through your child's school.
To add a child, from Parent Wallet Home Screen:
a) Tap on "Add Child" button
b) Choose "Scan QR"
c) Click next and Register your child details
d) You must be put accurate child info as this is rgeulated by Bank Negara Malaysia.You will be required to provide the following data when adding Vircle Friends into your trusted friend list.
1 - Photograph selfie of child
2 - Full name as per IC
3 - Nationality
4 - NRIC Number or Passport number
5 - Date of birth.
e) Confirm and you are done. Your child will now appear under your "My Family" list on the Home screen.
The Virle Friend page has several options :
Settings Icon - Allows you update your child's Photo, remove your child from Vircle or update your Child's QR code to a new QR code.
Health - Available to participating Schools. The Vircle health service enables parents to have detailed analytics, insights and nutrition details on the food choices children make in schools. It allows parents to coach children and schools to gamify healthy eating with the aim of solving childhood related non-communicable diseases linked to food intake.
Details of all purchase transactions done by your child using allowance you have approved for them.
Spending - All approved allowance, purchased meal plans will be visible here.
From your Vircle Home screen, tap “Top Up” to begin.
You can top up using:
DuitNow (recommended for the fastest and most reliable experience)
FPX Online Banking
Credit Card (Visa™ or Mastercard™)
Follow the on-screen steps to complete your top-up. Any applicable fees will be clearly shown in-app before you confirm the transaction.
Important notes
Foreign-issued Visa™ cards are not supported, and foreign-issued Mastercard™ cards may be rejected depending on your overseas bank.
A 1% convenience fee applies to credit card top-ups and will be shown before confirmation.
Some banks may reject transactions if the “Save card” option is enabled. If your top-up fails, please try again with this option turned off.
Need help? Visit our Help Centre at: https://www.vircle.com/help
There are several types of spending approvals you can give your chil depending on what is supported by your school or the Vircle service you are subscribed to. Typically we currently support 3 Approval Types;
1- Cash Allowance - Allows your Child to spend an approved ammount of cash at the selected stores and dates you have determinedor at any stores that accepts Vircle.
2- - This is when you pre-select the products from the store which your child can pick up. Not All store owners support this currently. In order and pick up, no upfront payment is taken. Payment is only deducted when you child picks up the item you have entitled.
3- PrepaidMeal Plans - Specifically for use in schools which support meal plans pre-selection. This allows parents to pre-select and pay for meal plans offered by the school canteen. Not all users will see meal plans as its dependant on the school enabling it for parents
Once you have determined the type of spend approval, you will be prompted to fill up the details of your approval. This is where you as a provider will be allowed to set the rules on how your spend approval can be utilized.
Spending Categories:
Spend Anywhere
Your child will be able to use this allowance at anystore that accepts Vircle.
Spend at Selection Store
Select a specific store where your child may spend this allowance at.
You will then be prompted to enter your spending limits, amounts and expiry. Once done, please hit Approve and then Confirm. You will be prompted to enter your 6 Digit Transaction PIN and upon completion, you are done.
Overview
Vircle is Malaysia's 1st central bank regulated parental-controlled E-wallet to enable a wallet user (A Parent) to securely onboard a trusted dependant (child) into their e-wallet and provide for them spend approvals or purchase school meal plans for them, paid for by the wallet user. Most ewallets in Malaysia are built for personal use and does not allow a wallet user to allow an external person to consume from their wallet.
Who are the users in a Vircle system ?
There are 3 key users in a Vircle platform.
The Vircle Wallet User (Parent) – this is an individual user or parent providing spend approvals to any child or dependant.
The Vircle Child – A child or dependant issued with a valid Vircle QR code or card, provided for by a school and registered into the Vircle app by a Parent or provider who performs a child identity registration into Vircle.
The Vircle Merchant Store – A legal business owner who has signed up as a merchant with Vircle and completed a business validation and compliance process.
A Vircle Wallet user (Parent) onboards a child or dependant registering them within the parent app. If you are are using this app for your school, your school should give you a personalized QR code for your child. If you have not received it, please reach out to your school or our support team.
Vircle User Smartphone Requirement:
A Smartphone with the following Minimum OS versions are required;
Google : Android OS Version 8 and above
Apple : iOS Version 11 and above
*The minimum OS versions are dictated by the Bank Negara Malaysia for security reasons for all new payment wallet providers. As Vircle deals with child identity and security, we have utmost value and strict adherence to security of the devices we operate on.
The Vircle account owner (parent) must adhere to the following requirements to own and operate a Vircle Wallet Account.
Age Requirement:You must be at least 18 years of Age to register for a Vircle E-wallet. if you are below 18 years of age, please obtain consent from your parents.
Valid Identity:Please have a valid Identity as recognized by the Malaysian legal system. If you are a Malaysian Citizen, Malaysian NRIC number will be required when registering for an account If you are a non-Malaysian with Valid Residency pass, a Passport number is required. Non Residents foreigners are NOT allowed to use the Vircle service.
Vircle Terminologies:
One registered into the Vircle application, a Parent user should familiarize with Vircle terminologies used in the app. There are several terminologies to parents navigate through the cashless experience provided for by Vircle. Here are some of them;
Parent Wallet : This is where all your top up money goes. Its safe and secure and your child has NO access the money you have in Parent wallet.
Allowance Given : Whenever you approve an allowance for your child to spend, the amount is set aside in the allowance given bucket. This money still sits with you but your child has permission to use it. If your child's allowance expires, the amount automatically reduces in allowance given and money goes back to Parent Wallet.
Available Balance : Available balance is a summary of how much money from your ewallet you can still allocate to your children.
Smartphone requirement:
You will need a Smartphone with the following Minimum OS versions
Google : Android OS Version 8 and above
Apple : iOS Version 11 and above
*The minimum OS versions are dictated by the Bank Negara for security reasons for all new payment wallet providers. While existing pioneering Wallet providers in Malaysia may still enable Wallet usage on older Phone operating systems, any new service providers are mandated to adhere to the new regulations.
Age Requirement:
You must be at least 18 years of Age to register for a Vircle E-wallet. if you are below 18 years of age, please obtain consent from your parents.
Valid Identity:
Please have a valid Identity as recorgnized by the Malaysian legal system. If you are a Malaysian Citizen, Malaysian NRIC number will be required when registering for an account If you are a non-Malaysian with Valid Residency pass, a Passport number is required. Non Residents foreigners are NOT allowed to use the Vircle service.
Vircle Terminologies:
The Vircle application uses several terminologies to help you through the cashless experiance for your loved ones. Here are what you will see in our app.
Parent Wallet : This is where all your top up money goes. Its safe and secure and your child has NO access the money you have in Parent wallet.
Allowance Given : Whenever you approve an allowance for your child to spend, the amount is set aside in the allowance given bucket. This money still sits with you but your child has permission to use it. If your child's allowance expires, the amount automatically reduces in allowance given and money goes back to Parent Wallet.
Available Balance : Available balance is a summary of how much money from your ewallet you can still allocate to your children.
QR Code : If you are using Vircle as part of your child's schooling needs, then make sure your school has provided you with a Vircle QR code, unique to your child.
Once you have sucessfully downloaded the Vircle application and powered it on, you will be prompted either to LOGIN or to SIGN UP. If you have already registered before, proceed to LOGIN, else click on SIGN UP.
You will be prompted by several welcome splash screen before being show the registration screens of Vircle. You will be prompted to enter the following:
Name:
Email Address : this will also be your login email and account identityPhone number : Password :Password confirmation
Password must be minimum 8 Characters, includes at least 1 small , 1 capital alphabet and numbers.
Once your basic account has been registered, you will be required to access to our terms of use, followed by the E-wallet activation screen. The E-wallet registration details are required by law, inclusive of a "SELFIE" photo. Please note that its an offence to give false information here as the Wallet registration is governed by the Financial Services Act 2013.
Congratulations, you are now a Vircle user and will be taken directly to your Vircle Dashboard.
Once you have sucessfully downloaded the Vircle application and powered it on, you will be prompted either to LOGIN or to SIGN UP. If you have already registered before, proceed to LOGIN, else click on SIGN UP.
You will be prompted by several welcome splash screen before being show the registration screens of Vircle. You will be prompted to enter the following:
Name:
Email Address : this will also be your login email and account identityPhone number : Password :Password confirmation
Password must be minimum 8 Characters, includes at least 1 small , 1 capital alphabet and numbers.
Once your basic account has been registered, you will be required to access to our terms of use, followed by the E-wallet activation screen. The E-wallet registration details are required by law, inclusive of a "SELFIE" photo. Please note that its an offence to give false information here as the Wallet registration is governed by the Financial Services Act 2013.
Congratulations, you are not a Vircle user and will be taken directly to your Vircle Home dashboard.
From your Vircle Home screen, tap “Top Up” to begin.
You can top up using:
DuitNow (recommended for the fastest and most reliable experience)
FPX Online Banking
Credit Card (Visa™ or Mastercard™)
Follow the on-screen steps to complete your top-up. Any applicable fees will be clearly shown in-app before you confirm the transaction.
Important notes
Foreign-issued Visa™ cards are not supported, and foreign-issued Mastercard™ cards may be rejected depending on your overseas bank.
A 1% convenience fee applies to credit card top-ups and will be shown before confirmation.
Some banks may reject transactions if the “Save card” option is enabled. If your top-up fails, please try again with this option turned off.
Need help? Visit our Help Centre at: https://www.vircle.com/help
There are several types of spending approvals you can give your chil depending on what is supported by your school or the Vircle service you are subscribed to. Typically we currently support 3 Approval Types;
1- Cash Allowance - Allows your Child to spend an approved ammount of cash at the selected stores and dates you have determinedor at any stores that accepts Vircle.
2- Order & Pick Up - This is when you pre-select the products from the store which your child can pick up. Not All store owners support this currently. In order and pick up, no upfront payment is taken. Payment is only deducted when you child picks up the item you have entitled.
3- Prepaid Meal Plans - Specifically for use in schools which support meal plans pre-selection. This allows parents to pre-select and pay for meal plans offered by the school canteen. Not all users will see meal plans as its dependant on the school enabling it for parents
Once you have determined the type of spend approval, you will be prompted to fill up the details of your approval. This is where you as a provider will be allowed to set the rules on how your spend approval can be utilized.
Spending Categories:
Spend Anywhere
Your child will be able to use this allowance at anystore that accepts Vircle.
Spend at Selection Store
Select a specific store where your child may spend this allowance at.
You will then be prompted to enter your spending limits, amounts and expiry. Once done, please hit Approve and then Confirm. You will be prompted to enter your 6 Digit Transaction PIN and upon completion, you are done.
Meal plans are offered at some schools which use Vircle. Meal plans are published on specific dates for order and must be ordered within those dates. To purchase a meal plan:
1) Tap on your child's Profile
2) Tap on New Approval, Purchase a meal plan
3) Enter Child's Year and Class and hit next
4) You should view all available Plans
NOTE : If you see NO plans available, reach out to your school or canteen. It means they have not published meals yet for purchase. Each school and canteen have their own processes for meal plans as such if you do not see meals, please reach out to the canteen or school
5) If you do see Plans, you can browse and select one of your choice. To see details of the menu, you may download a PDF file in the "Download Menu" link. Again, this PDF is owned and updated by your provider, not Vircle.
6) Select the meal products you required and hit confirm.
7) You will be prompted to allow location check. Please select Yes, While using the app. This is a security mechanism to make sure no one is trying to hack your device to use your E wallet funds, as such we check the device location when making in-app purchases.
8) Enter your 6 digit PIN and it will deduct money from your wallet and prompt you to make daily selection.
9) Tap on each date and you may make the selection offered bu your school provider.
Note : If you do have issue buying plans, reach out to our support team via our help page. If you do not see any plans, Reach out to your school and canteen provider as they may not be ready yet to publish them.
Meal plans are offered at some schools which use Vircle. Meal plans are published on specific dates for order and must be ordered within those dates.
To purchase a meal plan:
1) Tap on your child's profile page. 2) Tap on New Approval, purchase a meal plan 3) Enter Child's Year and Class and hit next 4) You will now have a view of all available plans
NOTE : If you see NO plans available, reach out to your school or canteen. It means they have not published meals yet for purchase. Each school and canteen have their own processes for meal plans as such if you do not see meals, please reach out to the canteen or school
5) If you do see plans, you can browse and select one of your choice. To see details of the menu, you may download a PDF file in the "Download Menu" link. Again, this PDF is owned and updated by your provider, not Vircle.
6) Select the meal products you required and hit confirm.
7) You will be prompted to allow location check. Please select "Yes, while using the app". This is a security mechanism to make sure no one is trying to hack your device to use your eWallet funds, as such we check the device location when making in-app purchases.
8) Enter your 6-digit PIN and it will deduct money from your eWallet and prompt you to make daily selection.
From your child's profile page, tap on Spend History. It will list all payments made by your child.
From the parent dashboard, the history button gives you a birds eye view of the spending of your entire family.
From your child's profile page, tap on Spend History. It will list all payments made by your child.
From the parent dashboard, the history button gives you a birds eye view of the spending of your entire family.
Childhod Obesity and Malnourishment is one of the biggest challenges of modern day with up to 1.65M Malayian kids and up to 30% of Asian kids expected to be Obese or malnourished by 2025. There is ample literature showing that this has direct impact on academic achievement of kids in schools.
The founders are parents of young children too and we felt its a big enough problem to quiet over 20 years of our corporate careers and invest all our live savings to look into this issue.
We wish to address this problem by helping parents gain insights into eating habits of children in school, followed by other powerfull analytics and guidance which impact a kids academic acheivements.
thus far, this has been a challenge to researchers and clinicians due to the following;
1- lack of entry points to collect data which helps detect children's eating habits and nutrition intake early on to predict and give parents early indication of problems to come.
2- lack of an entry point to guide parents into corrective actions early on to build healthy eating and nurturing habits, inclusive of financial literacy for the young. Parents usually turn to help when their kids show symptoms but usually there are time bound signs which can be picked up by our AI engine which we train based on the food consumption of kids.
3 - General lack of awareness of what is right and wrong. Proactive education.
Hence we built a cashless solution which is NOT just focussed on cashless but one which works with our Partner schools to analyze all food items being sold in school, nutrition content of those food and eating habits of kids which may have long term impact of a Childs' well being. This is then profiled against the Ministry of Healthy Recommended Nutrition Intake which is tailored to your Childs age, gender, BMI value etc.
Vircle is a "Cashless Solution with a mission", a mission to enrich the life of the people that matters to us, our Kids.
Vircle - The Circle that Matters!
Childhod Obesity and Malnourishment is one of the biggest challenges of modern day with up to 1.65M Malayian kids and up to 30% of Asian kids expected to be Obese or malnourished by 2025. There is ample literature showing that this has direct impact on academic achievement of kids in schools.
The founders are parents of young children too and we felt its a big enough problem to quiet over 20 years of our corporate careers and invest all our live savings to look into this issue.
We wish to address this problem by helping parents gain insights into eating habits of children in school, followed by other powerfull analytics and guidance which impact a kids academic acheivements.
thus far, this has been a challenge to researchers and clinicians due to the following;
1- lack of entry points to collect data which helps detect children's eating habits and nutrition intake early on to predict and give parents early indication of problems to come.
2- lack of an entry point to guide parents into corrective actions early on to build healthy eating and nurturing habits, inclusive of financial literacy for the young. Parents usually turn to help when their kids show symptoms but usually there are time bound signs which can be picked up by our AI engine which we train based on the food consumption of kids.
3 - General lack of awareness of what is right and wrong. Proactive education.
Hence we built a cashless solution which is NOT just focussed on cashless but one which works with our Partner schools to analyze all food items being sold in school, nutrition content of those food and eating habits of kids which may have long term impact of a Childs' well being. This is then profiled against the Ministry of Healthy Recommended Nutrition Intake which is tailored to your Childs age, gender, BMI value etc.
Vircle is a "Cashless Solution with a mission", a mission to enrich the life of the people that matters to us, our Kids.
Vircle - The Circle that Matters!
Vircle brings expert nutritionists to review and grade every food item sold in your child's school canteen. We collect many nutrition details and nutrition content through these grading. To begin with, we provide a nutrition score display back to parents using what is called the Food Traffic light rating.
The Traffic Light ratings are an internationally recorgnized model and tells you if a product is low (green), medium (amber), or high (red) in these food components, based on widely-accepted nutritional standards.
Red – indicates a less healthy choice; fine for an occasional treat, but think about how often you choose it and how much of it you eat.
Amber – this choice is OK, but going for choices labelled green is better.
Green – a healthier choice."
Pls refer to this webpage: https://en.wikipedia.org/wiki/Traffic_light_rating_system
When you onboard your child onto the app, you will be required to key in personal details of your child into the app. this includes regulatory information we are required to capature by Bank Negara Malaysia and you will also be prompted to set your childs health and well being data which helps us better provide for your child's needs.
Health and wellbeing data collected from you includes your Childs' weight, height, allergy details and also specific notes you woud like to write to any store owner whom interacts with you child.
If for example your child has limited ability in learning, hearing or speaking and you would like a store owner to take extra caution, you may add these into notes and when your child interacts with the store owner, these notes will be displayed to the store owner.
Childhod Obesity and Malnourishment is one of the biggest challenges of modern day with up to 1.65M Malayian kids and up to 30% of Asian kids expected to be Obese or malnourished by 2025. There is ample literature showing that this has direct impact on academic achievement of kids in schools.
The founders are parents of young children too and we felt its a big enough problem to quiet over 20 years of our corporate careers and invest all our live savings to look into this issue.
We wish to address this problem by helping parents gain insights into eating habits of children in school, followed by other powerfull analytics and guidance which impact a kids academic acheivements.
thus far, this has been a challenge to researchers and clinicians due to the following;
1- lack of entry points to collect data which helps detect children's eating habits and nutrition intake early on to predict and give parents early indication of problems to come.
2- lack of an entry point to guide parents into corrective actions early on to build healthy eating and nurturing habits, inclusive of financial literacy for the young. Parents usually turn to help when their kids show symptoms but usually there are time bound signs which can be picked up by our AI engine which we train based on the food consumption of kids.
3 - General lack of awareness of what is right and wrong. Proactive education.
Hence we built a cashless solution which is NOT just focussed on cashless but one which works with our Partner schools to analyze all food items being sold in school, nutrition content of those food and eating habits of kids which may have long term impact of a Childs' well being. This is then profiled against the Ministry of Healthy Recommended Nutrition Intake which is tailored to your Childs age, gender, BMI value etc.
Vircle is a "Cashless Solution with a mission", a mission to enrich the life of the people that matters to us, our Kids.
Vircle - The Circle that Matters!
Childhod Obesity and Malnourishment is one of the biggest challenges of modern day with up to 1.65M Malayian kids and up to 30% of Asian kids expected to be Obese or malnourished by 2025. There is ample literature showing that this has direct impact on academic achievement of kids in schools.
The founders are parents of young children too and we felt its a big enough problem to quiet over 20 years of our corporate careers and invest all our live savings to look into this issue.
We wish to address this problem by helping parents gain insights into eating habits of children in school, followed by other powerfull analytics and guidance which impact a kids academic acheivements.
thus far, this has been a challenge to researchers and clinicians due to the following;
1- lack of entry points to collect data which helps detect children's eating habits and nutrition intake early on to predict and give parents early indication of problems to come.
2- lack of an entry point to guide parents into corrective actions early on to build healthy eating and nurturing habits, inclusive of financial literacy for the young. Parents usually turn to help when their kids show symptoms but usually there are time bound signs which can be picked up by our AI engine which we train based on the food consumption of kids.
3 - General lack of awareness of what is right and wrong. Proactive education.
Hence we built a cashless solution which is NOT just focussed on cashless but one which works with our Partner schools to analyze all food items being sold in school, nutrition content of those food and eating habits of kids which may have long term impact of a Childs' well being. This is then profiled against the Ministry of Healthy Recommended Nutrition Intake which is tailored to your Childs age, gender, BMI value etc.
Vircle is a "Cashless Solution with a mission", a mission to enrich the life of the people that matters to us, our Kids.
Vircle - The Circle that Matters!
Vircle brings expert nutritionists to review and grade every food item sold in your child's school canteen. We collect many nutrition details and nutrition content through these grading. To begin with, we provide a nutrition score display back to parents using what is called the Food Traffic light rating.
The Traffic Light ratings are an internationally recorgnized model and tells you if a product is low (green), medium (amber), or high (red) in these food components, based on widely-accepted nutritional standards.
Red – indicates a less healthy choice; fine for an occasional treat, but think about how often you choose it and how much of it you eat.
Amber – this choice is OK, but going for choices labelled green is better.
Green – a healthier choice."
Pls refer to this webpage: https://en.wikipedia.org/wiki/Traffic_light_rating_system
When you onboard your child onto the app, you will be required to key in personal details of your child into the app. this includes regulatory information we are required to capature by Bank Negara Malaysia and you will also be prompted to set your childs health and well being data which helps us better provide for your child's needs.
Health and wellbeing data collected from you includes your Childs' weight, height, allergy details and also specific notes you woud like to write to any store owner whom interacts with you child.
If for example your child has limited ability in learning, hearing or speaking and you would like a store owner to take extra caution, you may add these into notes and when your child interacts with the store owner, these notes will be displayed to the store owner.
At this stage Vircle does not include information on colours, preservatives, additives, or allergens. However we are collecting additional ingredient information, working closely with canteen operators at your Child’s school and our nutritionists to better profile the food quality. We intend to have these additional data in the upcoming versions of the app will aim to include even more functionality.
Many everyday school foods can be high in salt, fat (including saturated fat) and sugar. They can also be high in energy (kilojoules), thanks to growing portion sizes. All these factors can contribute to health problems like obesity, hypertension (high blood pressure), type 2 diabetes and high blood cholesterol. In turn, these can lead to a greater risk of heart attack, stroke and some cancers. These conditions develop during childhood and would be even worse during adulthood. Making even small changes to our diets, like consuming less salt, sugar, fat (especially saturated fat) and energy (kilojoules), can prevent many of these health problems.
Many everyday school foods can be high in salt, fat (including saturated fat) and sugar. They can also be high in energy (kilojoules), thanks to growing portion sizes. All these factors can contribute to health problems like obesity, hypertension (high blood pressure), type 2 diabetes and high blood cholesterol. In turn, these can lead to a greater risk of heart attack, stroke and some cancers. These conditions develop during childhood and would be even worse during adulthood. Making even small changes to our diets, like consuming less salt, sugar, fat (especially saturated fat) and energy (kilojoules), can prevent many of these health problems.
As Vircle prepaid cards are powered by VISA, you will be able to use your Vircle card at any VISA merchants worldwide. However, certain merchants may impose additional security features that limit/block prepaid cards.
We're actively working with merchants to fix this so you can use your Vircle card with them. Let us know which merchant it is by chatting with us here.
Here are some common reasons:
1. You've entered the wrong PIN
2. You haven't got enough money in your account
3. Your card is frozen
4. You've hit the daily limit for contactless payments; basic: RM4,999 or premium: RM10,000
5. The merchant you’re attempting to transact with is in banned merchant or banned merchant category list. For more info, please see a list of banned category merchants.
If you're making your first in-store payment, please use chip & Pin to activate payWave payment method.
Upon investigation and confirmation of the dispute, we will direct you to request a refund from your school merchant. A refund will be subject to their approval. Once they have approved this, please expect 7-14 working days for your refund to be processed.
Here are some common reasons:
1. You haven't got enough money in your account. Check that your Parent has allocated money to your Spending Account.
2. Your card is frozen
3. Your allowances for your child may have been assigned towards “Spend at Specific Store” rather than “Spend Anywhere”. For example, allowances for your child may be limited to the school bookshop or canteen (example only assigned for bookshop but child tries using it canteen). Learn the differences between “Spend Anywhere” and “Spend at Specific Store” here. https://www.vircle.com/spending-allowances
4. You've hit the daily limit for contactless payments; basic: RM4,999 or premium: RM10,000
If you are encountering any school-card related issues, please reach out to your respective school admin.
You can purchase a plan that best suits your child's needs from the child dashboard. The following eligibility rules apply:
(a) Parent or Court Appointed Legal Guardian:
Must be a Malaysian citizen, Permanent Resident of Malaysia, Work Permit Holder, Pass Holder, or otherwise legally employed or residing in Malaysia.
(b) Child:
The child seeking coverage should be aged between 4 to 21 years old.
The child needs to be enrolled in a Vircle School and have a Vircle Cashless School Card
The child does not have an existing Vircle Club Protect (Annual) Plan
The Student Shield personal accident insurance follows an annual coverage period. Once you have selected and purchased a Student Shield plan for your child, he or she is safeguarded by this coverage for the duration of 12 months, providing protection against unforeseen accidents throughout the year. As the coverage period approaches its end, you will receive a reminder to renew the plan, ensuring continuous protection for your child without interruption.
The maximum liability for each and every Loss in a given period of coverage under this policy shall not exceed the Sum Insured stated in the policy schedule.
30 days before your current policy expires, you will be reminded to renew your policy.
You can renew the policy manually through the app any time up to 30 days before the expiry of the current policy and the new policy purchased will start after the current policy expires.
If your child is no longer a student in a Vircle School, the personal accident insurance coverage will remain active until the end of the coverage period. Please note that no refunds will be provided for the remaining duration, and coverage will continue until the plan's original expiration date.
Only transactions tagged to a Vircle School Card in eligible for unauthorized or fraud protection of up to RM1,000 a year when you purchase a Student Shield plan with us.
Transactions include:
a. Tap and pay transactions at a Vircle School POS terminals
b. In app purchases for transactions such as Meal Plan, E-store, Invoices.
Any loss occurred before inception of policy;
Transactions that are non-school or non-school merchant related transactions such as wallet top ups, mobile reloads or transactions using Vircle Visa Prepaid Card.
Any criminal, dishonest, reckless, deliberate or malicious conduct by You the Insured or the Insured's Guardian.
Any dishonest conduct of a third party who is or has been authorized by the Insured or the Insured’s Guardian (whether or not such authority has been rescinded) to have access to the insured home or passwords or other access credentials to your Vircle app or Vircle School Card;
Any loss based upon, arising from or as a consequence of any activities carried out by the insured for trade, business or professional purposes;
Confidence Scams - confidence trick involving feigned intentions towards the Insured or the Insured's Guardian;
Outage in or disruption of electrical power or telecommunications services operated by a third party service provider;
Fraud attributed to lost or stolen Vircle School Card. The Insured or the Insured's Guardian will need to show proof that the payment card remains in possession;
Any fact, circumstance, act, threat or event which You were aware of prior to the inception date of this policy;
Ordinary wear and tear, drop in performance, progressive or gradual deterioration.
Nuclear Risks / Terrorism / War, Invasion and Civil Commotion;
Any liability arising out of a Cyber Event against either Debit Circles Sdn Bhd or Fass Payment Solutions Sdn Bhd.
This list is non exhaustive.
No, this is only available to purchase as part of the Student Shield plan for a Child that does not have an existing and active Vircle Club Protect Annual subscription.
Initiating a claim is a straightforward process. You may submit the request by filling up the form here. After a review of the eligibility, the request will be sent to claim@policystreet.com on your behalf. The dedicated servicing staff from Policystreet will guide you through the process.
Copyright @ 2020 Debit Circles Sdn Bhd (1307991-X)
All rights reserved