Question 1

What is the Vircle Student PA Insurance?

Accepted Answer

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

Question 2

Retail Investor

Accepted Answer

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

Question 3

What is Vircle Club with CelcomDigi Postpaid?

Accepted Answer

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.

Question 4

Apa itu Vircle Club dan kenapa saya perlu sertai?

Accepted Answer

Vircle Club ialah keahlian eksklusif yang ditawarkan oleh Vircle, memberikan ibu bapa dan anak akses kepada pelbagai manfaat dan keistimewaan. Dengan menyertai Vircle Club, anda akan menikmati faedah seperti:

1. Akses kepada Ciri Premium – Dapatkan akses penuh ke semua ciri dalam aplikasi Vircle, termasuk Kawalan Ibu Bapa, Simpanan, dan Misi.
2. Kad Prabayar VISA – Bergantung pada pelan yang dipilih, ahli akan menerima Kad Prabayar VISA Vircle (rekaan Basic atau Edisi Terhad), termasuk penghantaran percuma.
3. Ganjaran Eksklusif – Nikmati baucar ganjaran Vircle yang boleh digunakan untuk pelbagai jenama (sehingga RM880 nilai!).
4. Akses Antarabangsa – Gunakan Kad Prabayar Visa Vircle untuk berbelanja dan membuat pembayaran di mana-mana sahaja di seluruh dunia.

Question 5

What is Vircle SchoolPay?

Accepted Answer

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.

Question 6

Apa itu Vircle Club dan kenapa saya perlu sertai?

Accepted Answer

Vircle Club ialah keahlian eksklusif yang ditawarkan oleh Vircle, memberikan ibu bapa dan anak akses kepada pelbagai manfaat dan keistimewaan. Dengan menyertai Vircle Club, anda akan menikmati faedah seperti:

1. Akses kepada Ciri Premium – Dapatkan akses penuh ke semua ciri dalam aplikasi Vircle, termasuk Kawalan Ibu Bapa, Simpanan, dan Misi.
2. Kad Prabayar VISA – Bergantung pada pelan yang dipilih, ahli akan menerima Kad Prabayar VISA Vircle (rekaan Basic atau Edisi Terhad), termasuk penghantaran percuma.
3. Ganjaran Eksklusif – Nikmati baucar ganjaran Vircle yang boleh digunakan untuk pelbagai jenama (sehingga RM880 nilai!).
4. Akses Antarabangsa – Gunakan Kad Prabayar Visa Vircle untuk berbelanja dan membuat pembayaran di mana-mana sahaja di seluruh dunia.

Question 7

Bagaimanakah Vircle VISA berbeza daripada kad debit tradisional?

Accepted Answer

Kad prabayar Vircle VISA dilengkapi untuk membantu ibu bapa mendidik anak celik kewangan dengan selamat.

Vircle adalah e-wallet keluarga yang pertama, membolehkan keluarga menguruskan keperluan kewangan semua kanak-kanak dalam satu aplikasi. Kad Vircle VISA adalah prabayar, kanak-kanak hanya membelanjakan elaun yang anda berikan dan tidak boleh mendapat kredit. Mereka akan sentiasa berbelanja mengikut bajet.

Ibu bapa mempunyai keupayaan untuk memberi anak-anak mereka elaun dan mendapatkan ketelusan penuh pada bila & di mana anak mereka menghabiskan. Ini membantu ibu bapa mengajar anak mereka bagaimana mereka dapat menguruskan wang mereka dengan lebih baik.

Dengan Vircle VISA, anak anda boleh belajar untuk Dapatkan, Belanjakan, dan Simpan semua dalam satu aplikasi dan kad.

Ciri-ciri Pelan Vircle Club Pro termasuk: 
- Kad prabayar untuk anak-anak membuat pembayaran di mana sahaja VISA diterima  
- Belanja di online, di mana-mana kedai seluruh dunia yang menerima VISA 
- Pengeluaran wang dari mana-mana ATM yang menyokong VISA  
- Papan pemuka untuk ibu bapa untuk memantau sejarah perbelanjaan anak-anak anda  
- Penyimpanan di Vircle, cipta matlamat dan auto-save  
- Berikan tugas dan ganjaran untuk anak anda

Question 8

How do I get a Vircle VISA card for my child?

Accepted Answer

The Vircle VISA Card is exclusively available to Vircle Club (https://www.vircle.com/vircle-club)members.
To obtain a Vircle Club membership for your child, visit this page.(https://www.vircle.com/vc-checkout) 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.(https://www.vircle.com/register-parent-account)
2. Upgrade your Vircle Wallet.
3. Add your child as a supplementary user: Instructions here.(https://www.vircle.com/add-child)
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.

Question 9

Berapakah umum minimum untuk mendaftar Vircle VISA?

Accepted Answer

Vircle adalah untuk keluarga dan membesarkan kanak-kanak celik kewangan. Tidak ada usia minimum untuk mendaftar untuk Vircle VISA, namun, kami mengesyorkan anak-anak anda didedahkan celik kewangan dari usia 7 tahun.

Question 10

Apa itu Vircle Club dan kenapa saya perlu sertai?

Accepted Answer

Vircle Club ialah keahlian eksklusif yang ditawarkan oleh Vircle, memberikan ibu bapa dan anak akses kepada pelbagai manfaat dan keistimewaan. Dengan menyertai Vircle Club, anda akan menikmati faedah seperti:

1. Akses kepada Ciri Premium – Dapatkan akses penuh ke semua ciri dalam aplikasi Vircle, termasuk Kawalan Ibu Bapa, Simpanan, dan Misi.
2. Kad Prabayar VISA – Bergantung pada pelan yang dipilih, ahli akan menerima Kad Prabayar VISA Vircle (rekaan Basic atau Edisi Terhad), termasuk penghantaran percuma.
3. Ganjaran Eksklusif – Nikmati baucar ganjaran Vircle yang boleh digunakan untuk pelbagai jenama (sehingga RM880 nilai!).
4. Akses Antarabangsa – Gunakan Kad Prabayar Visa Vircle untuk berbelanja dan membuat pembayaran di mana-mana sahaja di seluruh dunia.

Question 11

Adakah Vircle dikawal selia oleh Bank Negara?

Accepted Answer

Ya, Vircle dikawal selia sepenuhnya di bawah Akta Perkhidmatan Kewangan Bank Negara Malaysia sebagai perkhidmatan e-wang yang beroperasi di bawah lesen utama Fass Payment Solutions Sdn Bhd.

Vircle menggunakan protokol keselamatan yang sama dengan penyedia e-wallet lain di Malaysia yang berskala bank. Selain itu, sebagai perkhidmatan Pembayaran Pengawasan Ibubapa pertama di Malaysia, Vircle menawarkan pelbagai kawalan dan ciri keselamatan untuk melindungi kad pembayaran anak anda dan Dompet Ibu Bapa.

Question 12

How can parents purchase the Student PA Insurance?

Accepted Answer

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.

Question 13

How do I get the Vircle Club add-on?

Accepted Answer

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

Question 14

Who is eligible to use Vircle SchoolPay?

Accepted Answer

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.

Question 15

Angel Investor

Accepted Answer

• 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

Question 16

Adakah Vircle dikawal selia oleh Bank Negara?

Accepted Answer

Ya, Vircle dikawal selia sepenuhnya di bawah Akta Perkhidmatan Kewangan Bank Negara Malaysia sebagai perkhidmatan e-wang yang beroperasi di bawah lesen utama Fass Payment Solutions Sdn Bhd.

Vircle menggunakan protokol keselamatan yang sama dengan penyedia e-wallet lain di Malaysia yang berskala bank. Selain itu, sebagai perkhidmatan Pembayaran Pengawasan Ibubapa pertama di Malaysia, Vircle menawarkan pelbagai kawalan dan ciri keselamatan untuk melindungi kad pembayaran anak anda dan Dompet Ibu Bapa.

Question 17

Saya sudah menggunakan Touch'n Go E-wallet, Grabpay, dan sebagainya untuk anak-anak saya. Kenapa saya perlu menggunakan Vircle?

Accepted Answer

Vircle dibuat khas untuk kanak-kanak. Tidak seperti kaedah pembayaran dan E-wallet yang lain, Vircle membolehkan ibu bapa mempunyai kawalan penuh dan penglihatan terhadap tingkah laku kewangan anak mereka, memastikan anak anda dapat belajar tentang wang dan kewangan dalam persekitaran yang selamat dari usia muda.

Ini juga bermakna anda boleh mengatasi masalah biasa yang dihadapi oleh ibu bapa tradisional apabila menguruskan kewangan anak mereka seperti:
 • ❌ Anak berbelanja berlebihan
 • ❌ Anak membeli barang-barang yang dilarang
 • ❌ Anak tidak memahami nilai dan kesukaran mencari wang
 • Dan banyak lagi

Question 18

I am already using Touch'n Go E-wallet, Grabpay, etc for my kids. Why should I use Vircle?

Accepted Answer

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

Question 19

Can the Student PA Insurance be purchased with funds in the child’s Vircle account?

Accepted Answer

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.

Question 20

What credit cards are eligible to be used for Vircle SchoolPay?

Accepted Answer

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)

Question 21

Bagaimana saya mendaftar anak saya untuk Vircle VISA?

Accepted Answer

Sebelum meneruskan pendaftaran anak anda untuk kad Vircle Visa, anda perlu melengkapkan perkara berikut:   
1. Daftar untuk akaun utama. Langkah-langkah untuk berbuat demikian di sini - https://www.vircle.com/register-parent-account (https://www.vircle.com/register-parent-account)
2. Lengkapkan peningkatan wallet premium dari skrin tambah nilai. 
3. Daftarkan anak anda sebagai pengguna tambahan. Langkah-langkah untuk berbuat demikian di sini - https://www.vircle.com/add-child (https://www.vircle.com/add-child)

Setelah langkah di atas selesai, mari mulakan! Untuk mendaftarkan anak anda untuk kad Vircle VISA, ikuti langkah - langkah di bawah: 
1. Dari halaman profil anak anda, pilih "Urus kad". 
2. Klik pada"Memohon Kad Prabayar VISA". 
3. Klik pada"Pilih Kad & jenis langganan". 
4. Isi nama Pemegang Kad pilihan anak anda (Maks. 16 huruf) 
5. Pilih pelan pembayaran (bulanan atau tahunan) 
6. Isi alamat penghantara anda. 
7. Klik pada sahkan. Yuran kad anda akan ditolak dari walletanda dan anda akan menerima kad virtual sambil kami memproseskan kad fizikal untuk dihantar kepada anda.

Question 22

Who charges me — CelcomDigi or Vircle?

Accepted Answer

The monthly subscription fee appears in your CelcomDigi Postpaid bill.
All card use, app controls and child accounts are managed directly through Vircle.

Question 23

Sophisticated Investor

Accepted Answer

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

Question 24

Saya sudah menggunakan Touch'n Go E-wallet, Grabpay, dan sebagainya untuk anak-anak saya. Kenapa saya perlu menggunakan Vircle?

Accepted Answer

Vircle dibuat khas untuk kanak-kanak. Tidak seperti kaedah pembayaran dan E-wallet yang lain, Vircle membolehkan ibu bapa mempunyai kawalan penuh dan penglihatan terhadap tingkah laku kewangan anak mereka, memastikan anak anda dapat belajar tentang wang dan kewangan dalam persekitaran yang selamat dari usia muda.

Ini juga bermakna anda boleh mengatasi masalah biasa yang dihadapi oleh ibu bapa tradisional apabila menguruskan kewangan anak mereka seperti:
 • ❌ Anak berbelanja berlebihan
 • ❌ Anak membeli barang-barang yang dilarang
 • ❌ Anak tidak memahami nilai dan kesukaran mencari wang
 • Dan banyak lagi

Question 25

Who is the insurance provider for this Student PA Insurance?

Accepted Answer

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

Question 26

Anak saya tidak mempunyai telefon, bolehkah mereka menggunakan Vircle?

Accepted Answer

Ya, anak anda TIDAK perlu memiliki telefon. Anak anda hanya memerlukan Kad Visa Vircle dan anda sebagai ibu bapa boleh memberikan wang saku, memantau belanja, mengawal perbelanjaan, dan lebih banyak lagi melalui Aplikasi Vircle.

Question 27

Anak saya tidak mempunyai telefon, bolehkah mereka menggunakan Vircle?

Accepted Answer

Ya, anak anda TIDAK perlu memiliki telefon. Anak anda hanya memerlukan Kad Visa Vircle dan anda sebagai ibu bapa boleh memberikan wang saku, memantau belanja, mengawal perbelanjaan, dan lebih banyak lagi melalui Aplikasi Vircle.

Question 28

Apakah saiz dompet maksimum untuk kad prabayar Vircle Visa?

Accepted Answer

Saiz dompet maksimum yang boleh dipegang oleh pengguna pada bila-bila masa untuk Kad Prabayar Vircle VISA ialah RM10,000 dan tiada transaksi boleh melebihi jumlah ini.

Question 29

Why do I need to pay the full amount when I selected an instalment plan?

Accepted Answer

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.

Question 30

Do I need to download the Vircle app?

Accepted Answer

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!

Question 31

Adakah Vircle dikawal selia oleh Bank Negara?

Accepted Answer

Ya, Vircle dikawal selia sepenuhnya di bawah Akta Perkhidmatan Kewangan Bank Negara Malaysia sebagai perkhidmatan e-wang yang beroperasi di bawah lesen utama Fass Payment Solutions Sdn Bhd.

Vircle menggunakan protokol keselamatan yang sama dengan penyedia e-wallet lain di Malaysia yang berskala bank. Selain itu, sebagai perkhidmatan Pembayaran Pengawasan Ibubapa pertama di Malaysia, Vircle menawarkan pelbagai kawalan dan ciri keselamatan untuk melindungi kad pembayaran anak anda dan Dompet Ibu Bapa.

Question 32

Can I cancel or get a refund after purchasing the policy?

Accepted Answer

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 (https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/product-document/StudentPA_PW_ENG.pdf)and Allianz Student PA PDS (https://www.allianz.com.my/content/dam/onemarketing/azmb/wwwallianzcommy/personal/life-health-and-savings/personal-accident/allianz-student-personal-accident/PDS_StudentPA_ENG_AZ1024.pdf) for details.

Question 33

Bagaimanakah saya boleh mengawal perbelanjaan anak saya menggunakan Vircle?

Accepted Answer

Vircle dilengkapi dengan kawalan kad untuk ibu bapa menguruskan perbelanjaan anak-anak mereka melalui aplikasi Vircle, ini termasuk tetapan keselamatan, pelarasan had perbelanjaan harian, kawalan kategori perbelanjaan, & banyak lagi.
Sebagai contoh, ibu bapa boleh mengehadkan kad anak mereka untuk membelanjakan Makanan & Minuman sahaja, dan menyekat perbelanjaan untuk barangan seperti alkohol dan tembakau.

Question 34

What part does CelcomDigi handle?

Accepted Answer

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).

Question 35

Is Vircle similar to a Debit/Credit Card?

Accepted Answer

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!

Question 36

Can I earn rewards or cashback on my credit card for payments made via Vircle SchoolPay?

Accepted Answer

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.

Question 37

Apakah had transaksi harian dan bulanan?

Accepted Answer

Kad prabayar Vircle VISA mempunyai had transaksi harian sebanyak RM10,000.00 manakala had transaksi bulanan ialah RM120,000.00.

Question 38

Bagaimanakah saya boleh mengawal perbelanjaan anak saya menggunakan Vircle?

Accepted Answer

Vircle dilengkapi dengan kawalan kad untuk ibu bapa menguruskan perbelanjaan anak-anak mereka melalui aplikasi Vircle, ini termasuk tetapan keselamatan, pelarasan had perbelanjaan harian, kawalan kategori perbelanjaan, & banyak lagi.
Sebagai contoh, ibu bapa boleh mengehadkan kad anak mereka untuk membelanjakan Makanan & Minuman sahaja, dan menyekat perbelanjaan untuk barangan seperti alkohol dan tembakau.

Question 39

Pada usia berapa anak saya boleh menggunakan Kad Visa Vircle?

Accepted Answer

Kanak-kanak boleh mula menggunakan Kad Visa Vircle seawal usia 7 tahun, dengan galakan untuk bertanggungjawab dalam kewangan di bawah pengawasan ibu bapa. Pendedahan awal ini membantu memupuk literasi kewangan dan membentuk tabiat perbelanjaan yang sihat sejak usia muda.

Question 40

Adakah Vircle sama dengan kad debit/kredit?

Accepted Answer

Tidak, kad Vircle Visa adalah kad prabayar yang berbeza daripada kad debit/kredit tradisional.

Apakah perbezaannya? Kad Prabayar tidak dipautkan ke mana-mana akaun bank dan oleh itu, ia memerlukan anda menambah baki tunai untuk memulakan perbelanjaan.

Secara ringkasnya, mereka agak serupa dengan kad Touch 'n Go yang kebanyakan rakyat Malaysia sudah biasa tetapi dengan ciri tambahan yang dibuat khusus untuk kanak-kanak!

Question 41

Berapa lamakah masa yang diambil untuk Kad Visa prepaid anak saya untuk tiba?

Accepted Answer

Kad prabayar Vircle VISA anak anda akan tiba dalam masa 14 hari berkerja di depan pintu rumah anda!

Question 42

I’m a CelcomDigi customer — can I use Vircle Club for more than one child?

Accepted Answer

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.

Question 43

Adakah Vircle sama dengan kad debit/kredit?

Accepted Answer

Tidak, kad Vircle Visa adalah kad prabayar yang berbeza daripada kad debit/kredit tradisional.

Apakah perbezaannya? Kad Prabayar tidak dipautkan ke mana-mana akaun bank dan oleh itu, ia memerlukan anda menambah baki tunai untuk memulakan perbelanjaan.

Secara ringkasnya, mereka agak serupa dengan kad Touch 'n Go yang kebanyakan rakyat Malaysia sudah biasa tetapi dengan ciri tambahan yang dibuat khusus untuk kanak-kanak!

Question 44

What happens after I successfully purchase the insurance?

Accepted Answer

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.

Question 45

How long does it take for my payment to be processed?

Accepted Answer

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 (https://wa.me/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.

Question 46

Is there a minimum or maximum amount I can pay through Vircle SchoolPay?

Accepted Answer

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.

Question 47

Is Vircle regulated by Bank Negara Malaysia?

Accepted Answer

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).

Question 48

Adakah terdapat sebarang bayaran tambahan untuk menggunakan kad Vircle Visa?

Accepted Answer

Tidak, Vircle tidak mengenakan sebarang yuran tambahan atau sebarang yuran transaksi.

Anda hanya perlu bayar yuran Vircle Club yang dipapar di atas untuk terus menggunakan perkihdmatan kad Vircle Visa.

Question 49

When does the insurance coverage start?

Accepted Answer

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).

Question 50

Saya tidak menerima kad Visa fizikal saya selepas 14 hari bekerja, apakah yang perlu saya lakukan?

Accepted Answer

Anda boleh menghubungi perkhidmatan pelanggan kami untuk siasatan lanjut.

Question 51

Di mana saya boleh menggunakan Kad Visa Vircle saya?

Question 52

Adakah terdapat sebarang bayaran tambahan untuk menggunakan kad Vircle Visa?

Question 53

Bagaimanakah saya boleh mengawal perbelanjaan anak saya menggunakan Vircle?

Question 54

Bagaimana cara mendapatkan Kad Visa Vircle Minions?

Question 55

Saya baru sahaja menerima kad prabayar Vircle VISA saya, apakah yang perlu saya lakukan?

Question 56

What does the Student PA Insurance cover?

Question 57

Who do I contact if I need help?

Question 58

Bagaimana cara mendapatkan Kad Visa Vircle Minions?

Question 59

Are there any hidden charges or additional fees?

Question 60

How much can I withdraw from an ATM per day and per month?

Question 61

Berapa lama masa yang diperlukan untuk menerima Kad Visa Vircle saya?

Question 62

What if my school is not aware of Vircle SchoolPay?

Question 63

My child does not have a phone, can they use Vircle?

Question 64

Can multiple invoices from the same school be paid through one application?

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