The Vircle Student PA Insurance is a Personal Accident coverage plan for students that offers protection in the event of accidental injury, disability, or death. It is designed to provide financial assistance and support to families when unforeseen accidents happen to their children during school activities or daily life.

This insurance product is underwritten by Allianz General Insurance Company (Malaysia) Berhad 200601015674 (735426-V), a general insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia

Neither an Angel Investor nor a Sophisticated Investor Annual Investment Limit

• Up to RM10,000 per issuer per year

• Up to RM50,000 in total per year

Vircle Club is a family-finance membership that helps parents teach kids to earn, spend and save responsibly — with a child-safe Visa Prepaid Card and real-time parental controls.

Through CelcomDigi Postpaid, parents can now subscribe to Vircle Club easily as a monthly add-on to their existing CelcomDigi plan.

Vircle Club is an exclusive membership offered by Vircle, providing parents and children with access to a suite of benefits and privileges. By joining the Vircle Club, you can enjoy benefits such as:

1. Access to Features: Members gain access to all Vircle app features, including Parental Controls, Savings and Missions.

2. VISA Prepaid Card: Depending on the plan, members receive a Vircle Basic or Limited Edition VISA Prepaid Card, with delivery included.

3. Rewards: Members receive Vircle Rewards vouchers, which can be used for various benefits (up to RM880 in value).

4. International access: Spend and pay using the Vircle Visa Prepaid card anywhere in the world.

Vircle SchoolPay is a convenient and flexible payment solution that allows parents to pay school fees using their credit card. Parents can choose between one-off payments or split their payments into 6 or 12 monthly installments. With Vircle SchoolPay, you can manage your finances better, earn credit card rewards, and avoid the hassle of physically visiting the school to make payments.

Vircle Club is an exclusive membership offered by Vircle, providing parents and children with access to a suite of benefits and privileges. By joining the Vircle Club, you can enjoy benefits such as:

1. Access to Features: Members gain access to all Vircle app features, including Parental Controls, Savings and Missions.

2. VISA Prepaid Card: Depending on the plan, members receive a Vircle Basic or Limited Edition VISA Prepaid Card, with delivery included.

3. Rewards: Members receive Vircle Rewards vouchers, which can be used for various benefits (up to RM880 in value).

4. International access: Spend and pay using the Vircle Visa Prepaid card anywhere in the world.

The Vircle VISA prepaid card is built to help parents raise money-smart kids safely.

Vircle is the first family E-wallet allowing families to manage financial needs of all children in one app. The Vircle VISA card is prepaid, children only spend allowances you give and can’t run into credit. They will always spend within budget.

Parents have the ability to give their children allowances and get full transparency on when & where their child spends. This helps parents teach their child how they can better manage their money.

With Vircle VISA, your child can learn to Earn, Spend, and Save all in one app and a card.

Vircle Club membership plan features include:

- A prepaid card for kids to make payments anywhere VISA is accepted

- Spend online, at-store at any VISA accepted stores worldwide

- Withdraw from any VISA-supporting ATM

- A dashboard for parents to monitor your kids' spending history

- Vircle savings, goal creations and auto-save

- Assign tasks and rewards for your child

The Vircle VISA Card is exclusively available to Vircle Club members.

To obtain a Vircle Club membership for your child, visit this page. After purchasing the membership, please allow 7-14 working days for your Vircle Visa Card to arrive.

Once your card arrives, follow these steps to link and activate it:

1. Register for a parent account: Click here for instructions.

2. Upgrade your Vircle Wallet.

3. Add your child as a supplementary user: Instructions here.

4. Go to your child’s profile page and select “Manage Cards.”

5. Link your card: If you already have a Vircle Visa Card, tap “Link Now.” If you don’t have one yet, tap “Apply for VISA Prepaid Card.”

6. Success! Your Vircle Visa Card is now activated and ready to use.

Note: To activate the payWave feature, your first in-store payment must be made using chip and PIN.

Vircle is built for families and raising money-smart kids. There is no minimum age to sign up for Vircle Club Member and obtain a Vircle VISA Card, however, we recommend starting your children in their financial literacy journey from the age of 7.

Vircle Club is an exclusive membership offered by Vircle, providing parents and children with access to a suite of benefits and privileges. By joining the Vircle Club, you can enjoy benefits such as:

1. Access to Features: Members gain access to all Vircle app features, including Parental Controls, Savings and Missions.

2. VISA Prepaid Card: Depending on the plan, members receive a Vircle Basic or Limited Edition VISA Prepaid Card, with delivery included.

3. Rewards: Members receive Vircle Rewards vouchers, which can be used for various benefits (up to RM880 in value).

4. International access: Spend and pay using the Vircle Visa Prepaid card anywhere in the world.

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.

Parents can purchase the Student PA Insurance directly via the Vircle app. The policy details and coverage options will be displayed clearly before purchase, allowing parents to review and confirm their selection.

Simply log in to your CelcomDigi app and look for the Vircle Club add-on under ‘Shop’ -> ‘Lifestyle’

Vircle SchoolPay is designed for parents whose schools does not have online card payments readily available for school fees payments.

To use Vircle SchoolPay, you must meet the following eligibility criteria:

1. You must have a registered Vircle account.

2. Your child must attend a school partnered with Vircle.

3. You must upload a valid invoice issued by the school.

4. The invoice must have at least 7 working days of validity before the due date.

• Net personal assets > RM3 million (or equivalent in foreign currencies)

• OR annual income ≥ RM180,000 (individual)

• OR ≥ RM250,000 (joint with spouse) Annual Investment Limit Up to RM500,000 per year

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.

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

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. The purchase of the Student PA Insurance must be made using the parent’s wallet within the Vircle app. You will not be able to make an in-app purchase or payment using your child’s account balance.

For Non-Instalment, One-Off Payments:

Vircle SchoolPay accepts most major credit cards with VISA & Mastercard Brands, including those cards issued by local Malaysian banks and overseas banks. Parents with international credit cards from overseas banks can use them to make payments, provided the card supports online transactions, and their respective home country banks supports secure online transactions such as Visa 3D Secure or Mastercard MSOS. Some banks may impose restrictions or require additional verification for cross-border payments, so we recommend checking with your card issuer for any limitations.

For Instalment Payments:

Payment of school fees via 6 and 12 months credit card instalments is only available to credit cards issued by the following Malaysian banks:

1. Maybank

2. AmBank

3. OCBC Bank

4. RHB

5. HSBC (Visa card only)

6. Standard Chartered (Visa card only)

Before proceeding to register your child for a Vircle VISA card, you need to complete the following:

1. Register for a parent account. Steps to do so here - https://www.vircle.com/register-parent-account

2. Complete premium wallet upgrade from top-up screen.

3. Add your child as a supplementary user. Steps to do so here - https://www.vircle.com/add-child

After the steps above are done, let's begin! To register your child for a Vircle VISA card, follow the steps below:

1. From your child’s profile page, select “Manage Cards”.

2. Tap on “Apply for VISA Prepaid Card”.

3. Tap on “Select Card & Subscription Type”.

4. Fill in your child’s preferred cardholder name (max. 16 characters)

5. Select the payment plan (monthly or annual)

6. Fill in your shipping address.

7. 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.

The monthly subscription fee appears in your CelcomDigi Postpaid bill.

All card use, app controls and child accounts are managed directly through Vircle.

Individuals:

- Net personal/joint assets > RM3 million (excluding primary residence)

- OR annual income > RM300,000

- Companies - Net Assets > RM10 million

Annual investment Limit - No Investment Limit

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

This Student PA Insurance is underwritten by Allianz General Insurance Company (Malaysia) Berhad.

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.

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.

The maximum wallet size that a user can hold at any time for Vircle VISA prepaid card is RM 10,000 and no transaction may exceed this amount.

When you select an instalment plan, your bank will first process the full amount as a temporary charge. Within 3–5 working days, it will be converted into monthly instalments based on your selected plan. This process is handled entirely by the bank, so no extra steps are needed on your end.

Yes. After subscribing to Vircle Club as an add-on through your CelcomDigi account, be sure to download the Vircle app from any major app stores.

The app is where you’ll complete e-KYC, activate your child’s Visa card, set spending categories, and all the great perks that Vircle Club comes with!

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.

Once payment has been made and the policy is issued, cancellation and refunds are subject to the policy terms contained in the policy wording. You may refer to Allianz Student PA Policy Wording and Allianz Student PA PDS for details.

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.

CelcomDigi makes it easy for its Postpaid customers to discover, subscribe and pay for Vircle Club.

CelcomDigi does not handle your funds or card data — those are managed securely by Vircle with licensed E-Money and Visa Prepaid Card Issuer Fass Payment Solutions Sdn Bhd (Fasspay).

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, you can! Payments made through Vircle SchoolPay are processed as credit card transactions. You are eligible to earn rewards like cashback, points, or miles depending on your specific credit card’s rewards program.

With Vircle’s 0% interest installment plans, you can spread your payments while still enjoying your credit card benefits.

Please refer to your individual card issuer for specific rewards. For reference, payments made via Vircle SchoolPay are categorized under the MCC code for Education Services.

Vircle VISA prepaid cards have a daily transaction limit of RM10,000.00 while the monthly transaction limit is RM120,000.00.

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.

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.

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!

Your child’s Vircle VISA prepaid card will arrive within 14 business days at your doorstep!

Yes! Each parent account can add up to 5 child profiles and cards within the Vircle app. Each additional child membership can be managed under your Vircle account.

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!

You will receive a confirmation of cover message and email from VIRCLE. The policy details, coverage amount, and effective date will be visible within your Vircle account dashboard under “My Policies” within the VIRCLE app. As this coverage comes under a Group Policy issued to Debit Circles Sdn. Bhd. (Vircle), no individual policy certificate will be issued.

The payment process involves two steps:

1. Invoice Approval and Payment Link Generation: Once you submit your application, our team will review and approve the invoice, you will then receive a payment link to complete the payment within 2 working days. The payment link will be valid for 48 hours only. If the payment link has expired, please contact our customer care via WhatsApp at +601111176000

2. Payment Processing: After you complete the payment using the link provided, it will take 3 working days for the payment to be processed and reflected with your school for one-off payments. For instalments, payout to schools will take place after 7 working days for all banks.

You will receive updates via email throughout the process to keep you informed.

Minimum Amounts: The minimum payment amount varies by service type:

• One-off payment: RM500

• 6-month instalment: RM500

• 12-month instalment: RM1,000

Maximum Amount:

The maximum amount depends on the credit limit of your card and the total fee stated on your invoice. Vircle does not allow payment that exceeds the total amount on your school invoice.

Please contact Vircle support if you have concerns about specific amounts.

The Vircle app and Visa Prepaid Card is issued by Debit Circles Sdn Bhd (Vircle) in partnership with licensed E-Money and Visa Prepaid Card Issuer Fass Payment Solutions Sdn Bhd (Fasspay).

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.

Coverage begins on the next day from date of completion of payment stated in the policy certificate and remains valid for the duration specified (e.g., one academic year).

You may contact our customer support for further investigation.

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, total and permanent disablement (TPD), 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:

1. Your card issuer may apply additional foreign transaction fees, which are separate from Vircle SchoolPay's service fees.

2. 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:

1. Card Security Controls - Customize card usage based on specific scenarios such as spending in stores or overseas.

2. Set Spending Limits - Set precise limits for daily ATM withdrawal and contactless spending.

3. 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,

1. please tap on “Forgot your password?” below the “Login” icon.

2. You will be prompted to type in your registered email address.

3. Next, you will need to enter your new desired password.

4. 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:

1. Head down to your child’s account dashboard.

2. Tap on the settings icon at the top right of the page.

3. Select “Update Child Profile”

4. Update your child’s details with the correct information.

5. 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:

1. Access the Parent dashboard.

2. Click on the settings icon, which is located at the top right of the page.

3. Select “Change User Pin”.

4. Click on “Forgot user Pin?”

5. You will receive a 6-digit OTP which you will need to enter.

6. Enter your new 6-digit user Pin.

7. 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,

1. Navigate to Parents dashboard.

2. Click on the settings icon, which is located at the top right of the page.

3. Select “Change User PIN”.

4. Click on “Forgot PIN” or “Reset User PIN”

5. You will receive a 6-digit OTP which you will need to enter.

6. Enter your new desired PIN number.

7. 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:

1. Go to iOS settings.

2. Type in Vircle on the search bar at the top.

3. Select the Vircle app.

4. 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

1. Tap on your child’s profile page.

2. Tap on the settings icon.

3. Click on “Manage Cards”.

4. The page will display your existing cashless school card. Click on “Unlink”.

5. Your cashless school card has now been unlinked.

Link your cashless school card to the new school

1. Tap on your child’s profile page.

2. Now, you will have the ability to connect to a school. Click on “Connect to my child’s school”.

3. Select either “School Provided QR Code” or “School Provided E-Invite Code”.

4. If you select “School Provided QR Code”, your phone will automatically open the camera app to scan the provided QR Code.

5. 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)

IPay88 is a service we use to enable top-ups via Online Banking and/or Credit Card securely to Vircle.

To add money to your eWallet:

Step 1 : Login to the Vircle App

Step 2 : Tap on the “Top Up” icon in the Parent's dashboard.

Step 3 : Select either “Online Banking” or “Debit/Credit Card” as the Top-Up method

Step 4 : Enter your Top-Up Amount

For “Online Banking” (Total monthly top up is limited to wallet size) :

1. Select your desired bank account

2. Login to your bank account

3. Verify the transaction via text (SMS OTP)

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.

Transfers from “Online Banking” or “Credit Card” to your Parent’s eWallet will show up immediately in your eWallet and is now available to be distributed to your children as allowances.

Vircle uses IPAY 88 which has its own restrictions on what is and isnt allowed.

IPAY88 does not allow cards with the following criterion:

1) cards issued from Brazil, Argentina and Costa Rica are NOT accepted by Ipay.

2) cards that does not have 3DS security feature

3) cards other than VISA and Mastercard are not accepted.

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:

1. From your child’s savings tab, tap on the “Transfer” option.

2. Select the “Transfer Out” tab.

3. Enter the amount you would like to transfer out.

4. 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:

1. Fairview Schools (KL, Subang, JB, Ipoh & Penang) : Meals are published Monday and closes every Friday 12 Midnight for the following schooling week.

2. ELC Sungai Buloh : Meals are published by Tuesday Noon every week and closes every Saturday 12 Midnight for the following schooling week.

3. Sri KDU National Secondary School : Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week.

4. Sri KDU National Primary School : Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week.

5. 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.

6. Sri KDU International School Klang: Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week.

7. Real Schools Shah Alam - Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week..

8. Real Schools Cheras - Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week..

9. Havil International Schools - Meals are published by Tuesday Noon every week and closes every Friday 12 Midnight for the following schooling week.

10. Uplands School Penang - Meals are published 2 weeks in advance and closes every Friday 12 Midnight for the following schooling week.

11. 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.

1. Fairview Schools KL : Please provide CASH ALLOWANCE, students who missed pre-orders may tap and pay at school.
   

2. 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

3. Fairview SchoolsPenang : Please provide CASH ALLOWANCE, students who missed pre-orders may tap and pay at school. Contact PIC tharmas.pg@fairview.edu.my
   

4. Fairview SchoolsIPOH : : Please provide CASH ALLOWANCE, students who missed pre-orders may tap and pay at school
   

5. Fairview SchoolsJB : You should place manual meal plan orders to school, please contact Agnes 010-234 8023

6. ELC Sungai Buloh : You should place manual meal plan orders with KBR Cafe, please contact Ram 019-7760916 or KBR support 018-2113255.

7. Sri KDU National Secondary School : You should place manual meal plan orders with Sau Leng Enterprise, contact Carlson 0126341786

8. Sri KDU National Primary School : You should place manual meal plan orders with KBR Cafe, contact Farah 01111797698 or KBR support 0182113255

9. Sri KDU International School Damansara : You should place manual meal plan orders with Just for you Enterprise, contact Ms Mei 0122083426

10. Sri KDU International School Klang: You should place manual meal plan orders with KBR Cafe, contact KBR support 0182113255

11. Real Schools Shah Alam - You should place manual meal plan orders with MJ Excel Enterprise , contact Justin at 0162075991

12. Real Schools Cheras
    

13. Havil International School - Please contact the school.
    

14. 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.