Frequently asked questions

The Vircle Student PA Insurance is a Personal Accident coverage plan for students that offers protection in the event of accidental injury, permanent disablement, 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.

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.

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.

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.

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.

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.