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.

父母钱包是您所有充值资金的账户。它安全可靠，您的孩子无法直接使用您在父母钱包中的钱。

分配给家庭下显示的帐户余额表示作为津贴给您孩子的资金总额。这是您孩子的总储蓄和支出账户的形式。

可用余额显示您仍然可以从您的电子钱包中分配给您的家人或孩子的金额。

例如，您有 RM1,000 存入您的父电子钱包。您分配 RM200 给您的孩子；您的可用余额将显示 RM800。

要了解有关 Vircle 入门的更多信息，请在此处查看我们的帮助页面。

Vircle 允许任何钱包用户在希望停止使用 Vircle 钱包时申请退款。但是，退款后，钱包账户将被永久停用，您的账户余额必须超过 RM1 才能申请退款。

退款费用为 RM1 每笔退款，当我们将您的余额存入您的银行账户时可以扣除。

如果您的登录尝试因用户名或密码错误而失败，

1. 请点击“忘记密码？”在“登录”图标下方。

2. 系统将提示您输入注册的电子邮件地址。

3. 接下来，您需要输入所需的新密码。

4. 输入所需的新密码后，您将收到一个 6 位 OTP。需要 6 位 OTP 来验证您是合法的帐户所有者。

有关全名或身份证更新，请联系我们的客户服务这里。对于昵称和照片更新：

1. 前往您孩子的帐户信息中心。

2. 点击页面右上角的设置图标。

3. 选择“更新儿童资料”

4. 使用正确的信息更新您孩子的详细信息。

5. 点击“更新个人资料”

你有它。您孩子的更新信息应立即反映在 Vircle 应用程序中。

服务提供商有时会在提供 OTP 服务时面临拥塞和延迟。发生这种情况时，我们建议您在下一小时内重试。如果您在 3 次尝试后仍未收到 OTP，请联系我们的客服此处 .

如果您忘记或忘记了交易密码，更改密码很简单。按着这些次序：

1. 访问父仪表板。

2. 点击页面右上角的设置图标。

3. 选择“更改用户密码”。

4. 点击“忘记用户密码？”

5. 您将收到一个 6 位数的 OTP，您需要输入该密码。

6. 输入新的 6 位用户密码。

7. 重新输入您的 PIN 码进行确认。

完毕！

在购买或创建配额期间会发生这种情况，因为家长重复错误地输入了 6 位用户 PIN 码，从而阻止了 PIN 码。为了解决这个问题，

1. 导航到家长信息中心。

2. 点击页面右上角的设置图标。

3. 选择“更改用户 PIN”。

4. 点击“忘记密码”或“重置用户密码”

5. 您将收到一个需要输入的 6 位数 OTP。

6. 输入您所需的新 PIN 码。

7. 重新输入您的 PIN 码进行确认。

这尤其是因为新的 IOS 会自动关闭某些应用的摄像头权限。要解决此问题：

1. 转到 iOS 设置。

2. 在顶部的搜索栏中输入 Vircle。

3. 选择 Vircle 应用。

4. 启用相机 - 启用后，切换开关应为绿色。

你有它！您现在应该可以扫描孩子的二维码了

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

如果您是父母、监护人或将成为为您孩子的 Vircle 卡提供资金的主要账户持有人，请按照以下快速步骤开始：

只需几个步骤即可启动您的家庭 Vircle 帐户：

注册家长帐户：从 Google Playstore 或 Apple AppStore 下载 Vircle 应用并注册家长帐户。

您必须居住在马来西亚并拥有有效的手机号码并且年满 18 岁才能成为 Vircle 的主要账户持有人。

添加您的孩子：目前您可以添加的孩子数量没有限制。您添加的每个孩子都将自动成为您 Vircle 主账户下的附属账户持有人。

验证您的身份：我们目前需要您的姓名、电子邮件地址、身份证号码或护照，以确保您的帐户、资金和孩子学校的安全卡片。对于 Vircle VISA 卡，您需要先完成身份验证和高级钱包升级流程，然后才能发行 VISA 预付卡。

设置您的家长钱包：家长钱包是一个虚拟钱包，您可以在其中从您的银行账户或信用卡/借记卡中充值。您加载的钱是您的，在您的子女家属登记后，您可以随时随地通过几个简单的步骤为您的孩子的卡提供现金津贴。

注意：Vircle 目前仅对通过 Vircle 支付卡在 Vircle 认证学校有孩子的家庭开放。

Vircle 预付 VISA 卡目前处于封闭测试阶段，仅供部分用户使用，因为我们正在测试并准备在全国范围内推出。

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.

Vircle 应用与 Apple 和 Google 认证的 Android 手机和设备兼容！

iOS要在您的 iPhone 上下载该应用程序，您需要一台 Apple iPhone 8 或运行 iOS 12 或更高版本的更新设备。您可以从 Apple App Store 访问 Vircle 应用程序。

安卓

要下载该应用，您需要一部 运行 8.1 版 或更高版本的 Android 智能手机。 Vircle 可以从您的 Google Play 商店下载。

恭喜。您现在拥有 Vircle 的家长帐户。以下是我们建议您接下来执行的操作：

1 - 添加您的孩子。

2 - 熟悉如何为您的孩子提供零用钱。

3 - 熟悉 Vircle 储蓄和任务功能。

4 - 开始培养经济聪明的孩子。

从您的信用卡/借记卡或银行账户充值是完成 Vircle 注册的最后一步！您加载的资金是您的，您可以在您的 Vircle 父母钱包中使用。准备就绪后，您可以立即将任意金额转入您孩子的账户并设置家长控制。

成功下载 Vircle 应用程序并启动后，系统将提示您登录或注册。如果您之前已经注册，请继续登录，否则单击注册。

系统会提示您输入以下内容：

姓名：

电子邮件地址：

电话号码：

密码：

密码确认

密码必须至少包含 8 个字符，至少 1 个小写字母和 1 个大写字母和数字。

注册基本登录帐户后，您将需要访问我们的使用条款，然后进入电子钱包激活屏幕。

所有家长都必须进行基本电子钱包注册。请注意，由于电子钱包注册受 2013 年金融服务法管辖，因此在此处提供虚假信息是违法行为。请仅在此处提供家长详细信息进行注册

激活家长电子钱包后，系统会提示您设置 6 位用户密码。此 PIN 与任何其他电子钱包 PIN 一样，在提供津贴、购买和所有其他需要安全访问的服务时广泛使用。

恭喜，您现在是 Vircle 用户，将被直接带到您的家长主页仪表板。

6 位交易用户 PIN 用于父母在 Vircle 钱包上进行的所有交易。请使用您能记住的数字。

如果您在其他设备上登录，系统会提示您创建一个新的 6 位数 PIN。

如果您忘记了您的 6 位用户密码，您可以通过以下步骤重置：

1 - 在您的主屏幕上，点击设置

2 - 一直向下导航到“更改用户密码”

3 - 它会提示您输入您的用户密码，点击“忘记用户密码？”。

4 - 系统将提示您通过 SMS OTP 验证重置此 PIN。完成此过程，您的 pin 已被重置。

您在 Vircle 中注册的每个儿童或辅助用户都必须通过邀请手册或 Vircle 卡获得唯一的 Vircle QR 码。这应该与您各自的学校协调。

（对于学校）从家长钱包主屏幕添加孩子：

1。点击“添加孩子”按钮

2。选择“学校提供的二维码”或“学校提供的电子邀请码”。

3。如果您选择了“学校提供的二维码”，您的手机会自动打开相机应用程序扫描提供的二维码。

4。如果您选择了“学校提供的电子邀请码”，请在显示的文本框中输入邀请码。

完成后，您需要输入以下内容：-

1. 您孩子的自拍照或照片

2. IC全名

3. 国籍

4. 身份证号码或护照号码

5. 出生日期

确认并完成。您的孩子现在将出现在主屏幕上的“我的家庭”列表下。

注意：目前，Vircle 上的所有学校都使用扫描二维码方法，如果您还没有收到学校的二维码邀请，请给我们发送电子邮件 support@vircle.com

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.

在您孩子的个人资料页面上的“津贴”板块中，父母可以设置每天或他们选择的任何一天支付的津贴。您还可以分配配额以转移到“在任何地方消费”或“在特定商店消费”。设置方法如下：1. 导航到您孩子的个人资料页面，然后点击现金津贴板块。

2。从这里，您可以选择“在任何地方消费”或“在特定商店消费”。在 Spend Anywhere 中，您可以为您的孩子提供 2 种现金津贴；随时消费 - 这笔现金在其完全使用或到期日（如果有）之前一直有效。

1。输入津贴金额 如果您希望津贴有一个到期日，请选择“无到期”或“设置到期”。

2。单击“创建津贴”以完成该过程。

每日限额 - 定期每日津贴，在选定日期有每日支出限额。

1。输入每天存入您孩子帐户的津贴金额。

2。选择所需的日期以设置消费限额。

3。单击“创建津贴”以完成该过程。

要花钱，无论是食物还是物品，您的孩子都必须使用 Vircle 学校卡。

您孩子的支出帐户由父母通过 Vircle 应用提供的现金津贴提供资金。要在消费账户上消费可用余额，您的孩子只需在购买时点击他们的 Vircle 卡。

随处消费 – 此功能可让您的孩子在任何他们想要的商店消费余额。

*但是，请注意，如果您的孩子使用 Vircle 学校卡，此功能将仅限于学校商店。

在特定商店消费 – 是您的孩子可以在您特别允许的商店消费的津贴。如果您的孩子试图从不属于此类别的商店购买，付款将被拒绝。因此，此功能允许父母完全控制孩子的零用钱可以花在哪里！

我们让查看您孩子的消费记录变得非常容易。

1。导航到您孩子的个人资料页面。

2。点击支出历史。

3。然后，您可以按过去 7 天、30 天、60 天或 90 天以及付款、退款或取消等交易类型进行过滤。

请注意：如果家长在应用内进行购买（例如用餐或网店购买），则此类购买不会出现在您孩子的消费历史记录下，而是会出现在家长的消费历史记录下（首页 ->历史）

IPay88 是我们用来通过网上银行和/或信用卡安全地向 Vircle 充值的服务。

为您的电子钱包充值：

第 1 步：登录 Vircle 应用程序

第 2 步：点击家长控制面板中的“充值”图标。

第3步：选择“网上银行”或“信用卡”作为充值方式

第 4 步：输入您的充值金额

对于“网上银行”：

1. 选择您想要的银行账户

2. 通过输入您的登录 ID 和密码登录到您的银行帐户

3. 通过文本（SMS OTP）验证交易

对于“信用卡”：

1. 输入您的信用卡详细信息

2. 通过文本 (SMS OTP) 验证交易。

3. 在最后一步之后，您将被带到您父母的仪表板并可以加载资金

在最后一步之后，您应该会自动转到您父母的信息中心，并且可以充值。

从“网上银行”或“信用卡”到您父母的电子钱包的转账将立即显示在您的电子钱包中，现在可以作为津贴分配给您的孩子。

Vircle 使用 IPAY 88，它对允许和不允许的内容有自己的限制。

目前，Ipay 和其他一些国家/地区不接受美国、加拿大和澳大利亚的卡。

所有马来西亚发行的卡都应该被接受，没有任何问题。

“我的收入摘要”提供了孩子通过完成您分配的任务和任务获得的所有星星或金钱的摘要。每次家长批准任务时，星星或金钱都会被添加到他们的收入摘要中。

这些奖励会保留在收入摘要中，直到领取为止。

领取奖励：

我。导航到您孩子的个人资料页面。

二。点击任务。

三。选择我的奖励。

三。点击领取奖励。

您的孩子需要在其智能设备上访问 Vircle 应用，才能自行查看他们的任务列表。

第 1 步：打开他们的 Vircle 应用并滚动到子个人资料页面的“任务”部分。

第 2 步：从“活动”选项卡中，他们将能够看到他们需要完成的任务是一次性任务还是每周任务。

第 3 步：任务完成后，父母可以选择“批准”任务并将奖励以金钱或“星星”形式存入孩子的账户。

父母可以选择以货币价值或非货币价值奖励他们的孩子。

例如：

如果父母希望用现金奖励孩子在商店消费，他们应该用“金钱”奖励孩子。

例如：整理他们的床将奖励孩子 RM5.00

或者，如果父母希望用一些电视屏幕时间奖励孩子，他们应该用“星星”奖励孩子。

例如：整理床铺会奖励他们 30 分钟观看他们最喜欢的卡通节目。

要为您孩子的一般储蓄加钱：

第 1 步：导航到您孩子的个人资料页面。

第 2 步：点击“储蓄”板块。

第 3 步：点击“一般储蓄”。

第 4 步：点击“转移”。

第 5 步：输入您想转入您孩子的一般储蓄的金额。

第 6 步：单击“确认”以完成该过程。

您孩子的一般储蓄余额将自动更新。

为您的孩子设置新任务：

第 1 步：导航到孩子的个人资料页面并滚动到“任务”部分。

第 2 步：点击“新任务”。

第 3 步。 ：您可以输入您自己的任务名称和描述，或通过单击“选择任务”选择任何 Vircle 的预设任务。

第 4 步：一旦你设定了任务：

• 一次性：如果是一次性杂务，可以随时完成，在“金钱”或“星星”中输入奖励金额。

• 固定日期：如果是必须在特定日期前完成的任务，请在“金钱”或“星星”中输入截止日期和奖励金额。

• 每周：如果是每周的家务，请选择您希望在一周中的哪几天完成家务，并在“金钱”或“星星”中输入奖励金额。

完成后，点击“立即开始任务”

在“任务”页面中，在您希望批准的任何任务上单击“批准”。将出现一个弹出窗口进行确认。点击“确认”。您孩子的收入总结将被记入在设置任务时预先确定的星星或金钱。

请注意，对于金钱奖励，在您选择通过“我的奖励”兑现奖励之前，不会对家长的电子钱包产生影响。

如果您想撤消批准，只需点击“撤消”即可。

所有任务都完全按照您希望孩子做的事情定制。

不过，家长也可以在创建孩子的家务清单时选择由 Vircle 创建的预设任务。

一次性：一次性任务是没有截止日期的单一杂务，可以随时完成。它不需要定期重复。

固定日期： 固定日期任务是具有单一截止日期的单一杂务。

每周：这些是每周重复的任务

绝对！家长可以删除特定孩子的任何任务。以下是如何做到这一点：

我。导航到孩子的仪表板并滚动到其仪表板的“任务”部分。

二。导航到“已分配”选项卡

三。单击任何任务右侧的“删除”图标。

四。将出现一个弹出窗口以确认此操作。

v.点击“立即删除”以完成该过程。

有了 Vircle 的储蓄目标，我们通过设置储蓄目标来为特定目的（例如购买新自行车、手机、游戏或冒险）储蓄，让您更容易让您的孩子养成负责任的储蓄习惯！

父母将他们的钱从他们的父母电子钱包可用余额转移到孩子的一般储蓄中。将一般储蓄视为存钱罐。

您的孩子现在可以使用他们的目标金额创建储蓄目标，并在设定的日期之前进行储蓄。 Vircle 每周自动更新他们的目标，将资金从一般储蓄自动转移到目标中。

家长可以通过以现金（Vircle 外部）或 Spend Anywhere 津贴（Vircle 内部）的形式支付已完成的目标来批准已完成的目标。

使用 Vircle Savings 只需 4 个步骤即可。

我。家长使用“转账”选项将资金从家长电子钱包可用余额账户“转入”到孩子的“一般储蓄”。

二。孩子可以与父母一起设置储蓄目标，或者父母可以使用“创建目标”选项为孩子设置目标。键入目标详细信息，例如“目标名称”、“按日期保存”，您也可以为该目标添加图片。一旦完成，您孩子的目标就开始运行。

三。现在，是时候让 Vircle 发挥它的魔力了！每 7 天，Vircle 会自动将钱从 General Savings 转移到每个 Goal。只要您孩子的 General Savings 中有足够的钱，他们的目标就会自动增长。

四。完成目标后，作为家长，您将被提示“批准”并选择目标的支付方式。当您选择以现金支付时，您应该给您的孩子实物货币，然后目标金额将退还给您的父母电子钱包可用余额。如果您将支出设置为“Give as Cash Allowance”，目标金额将作为“Spend Anywhere”津贴转移到您孩子的消费账户。

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.

创建目标后，Vircle 每 7 天自动将资金从您孩子的一般储蓄账户转移到每个目标。

示例：如果您的目标是在 4 周内节省 RM 100，则每周 RM 25 从 General Savings 转移到此目标，直到达到 RM 100。这是自动完成的。

是的，你可以！这样做：

我。点按您要提升的目标

二。作为父母，您将被允许将 IN 资金转入特定目标。您将被允许将目标余额提升至最大值。示例：如果一个目标是 RM 100，而它已经通过自动保存获得了 RM 50，您可以提升至 RM 50，这将完成目标。

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 是第一个专注于帮助父母抚养经济上聪明的孩子的家庭电子钱包。我们将每位家长都变成了现实世界的数字银行，目前使用我们的儿童安全、学校友好的无现金学校卡，以及即将推出的 Vircle Visa 借记卡，马来西亚真正儿童安全的预付借记卡。

Vircle 广泛允许您作为父母教孩子以下内容：

1) 负责任的支出 - 通过我们家长指导的津贴控制

2) Vircle Savings - 通过我们的应用内储蓄模块

3) Vircle 任务 - 设定目标，任务与金钱和非金钱奖励相关。让他们通过杂务和任务学习独立，并定期获得奖励。

每个应用用户最多可以在 Vircle 应用上管理 6 个孩子。

不，您的孩子不需要电话。他们得到一张卡，你得到一个 APP。

注意：2021 年底，我们将启用子登录（可选）。作为家长，您将点击您孩子的个人资料 -> 设置并激活孩子登录。然后您的孩子可以下载 Vircle，他们不需要注册，他们可以使用您为他们创建的激活电子邮件和密码直接登录。

Vircle 受到马来西亚中央银行金融服务法案的全面监管，作为一种电子货币服务，在主要许可 Fasspayment Sdn Bhd 下运营。

我们采用与马来西亚及以上所有电子钱包玩家相同的银行级安全协议，作为马来西亚第一个家长代付服务，我们采用多种控制和安全功能来保护您孩子的支付卡和家长钱包.

任何持有马来西亚居留证/签证的马来西亚公民或外国人，年满 18 周岁，且拥有有效手机号码，都可以注册并激活父母钱包账户。

每个父母可以在其父母帐户下注册任意数量的子女作为受抚养人。孩子不需要有移动设备。

Vircle 无现金学校卡可在马来西亚超过 25 所领先学校使用，而即将推出的马来西亚第一张真正儿童安全的 Visa 借记卡可在全球超过 7000 万家 VISA 商户使用。

只需给我们发送电子邮件至 support@vircle.com 或 info@vircle.com，我们将通过演示和演示开始破解。

Vircle 符合电子钱包规定，并满足学校在 2021 年 6 月中央银行征求意见稿下需要满足的所有条件，该征求意见稿将管理学校等社区中预付卡/支付卡的使用。

我们也是唯一一家受监管的、儿童安全的、专注于学校的电子钱包，可以花时间获得监管机构的批准。请发送电子邮件至 support@vircle.com，以了解更好的监管对学校无现金化的影响。

我们最小的学校，有 200 名儿童，在 7 天内部署完毕。而我们最大的学校则需要长达 4 周的时间。 Vircle 通常需要 1 到 2 周的时间来建立一所新学校并培训商人和行政人员。然后，我们可以让所有学校的家长参与进来，这通常需要 1 或 2 周的时间，让他们能够轻松使用 Vircle。

整个入职过程都可以远程进行。

作为一个云原生多学校平台，Vircle 在学校不需要服务器。学校的唯一成本是少量设置费 + 销售点硬件成本。

所有在 2021 年与 Vircle 签约的学校都将免于免费设置！！！是的，WAIVED，FREE，一个无摩擦的入口并且绝对没有平台的年度经常性费用。

我们的商业模式只是纯粹的交易，就像任何银行卡或钱包服务一样。

对于马来西亚所有 Vircle 经营学校，目前膳食计划是从学校食堂获取食物的强制性方式。这样做是为了遵守教育部 (MOE) 严格的 SOP，以便学生在课间交流。

一旦教育部允许为学生开放食堂，您可以选择提供“现金津贴”并允许您的孩子在学校食堂选择用餐、触碰付款。

请遵守每所学校特定的用餐订单的严格开放和关闭时间。

所有膳食计划均由咖啡厅/食堂商家管理和运营。 Vircle 无法控制对此产生影响，但我们提供了最佳实践供他们遵循。

以下详细信息为您提供每个 Vircle 学校当前的膳食计划订单时间表。请注意：

1) 一些食堂并不总是按时发布每周膳食（人为问题）

2) 一些食堂在某些情况下可能会选择提前关闭

建议家长在本周早些时候购买，以确保他们的孩子在接下来的一周有饭吃。

以下是膳食计划的标准指南：

1. Fairview 学校（吉隆坡、梳邦、新山、怡保和槟城）：每周一公布餐食，下一周的每周五午夜 12 点关闭。

2. ELC 双溪毛糯：每周二中午公布餐食，下一周的每周六中午 12 点关闭。

3. Sri KDU 国立中学：每周二中午前公布餐食，下一周的每周五午夜 12 点关闭。

4. Sri KDU National Primary School ：每周二中午前公布餐食，下一周的每周五午夜 12 点关闭。

5. Sri KDU 白沙罗国际学校：餐点在用餐开始日期前 10 天发布，并于下一周的周三午夜 12 点关闭。请始终BEFORE 每周三为下一周购买。

6. 巴生斯里伯乐国际学校：每周二中午前公布餐食，下一周的每周五午夜 12 点关闭。

7. Real Schools Shah Alam - 每周二中午前发布餐食，下一周的每周五午夜 12 点关闭。..

8. Real Schools Cheras - 每周二中午前发布餐食，下一周的每周五午夜 12 点关闭。

9. 哈维尔国际学校 - 每周二中午之前发布餐食，下一周的每周周五午夜 12 点关闭。

10. Uplands School Penang - 餐食提前 2 周发布，下一周的每周五午夜 12 点关闭。

11. 伊顿国际学校 - 提前 2 周发布餐食，下一个学期的周五午夜 12 点关闭。

上面未列出的所有其他学校不目前提供膳食计划。

如果您错过了订购日期，请直接联系相应的食堂要求接受人工订购，而不是 Vircle。您可以在常见问题解答 - 如何联系我的学校商家中找到他们的联系方式。

当您购买膳食计划时，钱会直接从父母可用余额中扣除，而不是从您孩子的卡津贴中扣除。

请有足够的家长可用余额。

您孩子的卡 - 现金津贴仅供您的孩子在学校柜台购物时使用。

别担心，它会发生。你不是一个人。每所学校都有不同的错过订单的流程。请在下方查看您的学校详细信息并按照说明进行操作。

1. Fairview Schools KL：请提供CASH ALLOWANCE，错过预购的学生可以在学校触碰付款。

2. Fairview SchoolsSubang：请提供CASH ALLOWANCE，错过预购的学生可以在学校触碰付款。请whatsapp 并通知Ms Nadirah/Sumi, 0109218023

3. Fairview SchoolsPenang：请提供CASH ALLOWANCE，错过预购的学生可以在学校触碰付款。联系 PIC tharmas.pg@fairview.edu.my

4. Fairview SchoolsIPOH : : 请提供CASH ALLOWANCE，错过预购的学生可以在学校触碰付款

5. Fairview SchoolsJB：您应该将手动膳食计划订单送到学校，请联系 Agnes 010-234 8023

6. ELC Sungai Buloh：您应该向 KBR Cafe 下单，请联系 Ram 019-7760916 或 KBR 支持 018-2113255。

7. Sri KDU National Secondary School：您应该向 Sau Leng Enterprise 下达手动膳食计划订单，请联系 Carlson 0126341786

8. Sri KDU National Primary School ：您应该向 KBR Cafe 下单，联系 Farah 01111797698 或 KBR 支持 0182113255 p>

9. Sri KDU 白沙罗国际学校：您应该向Just for you Enterprise 下达手动膳食计划订单，联系Ms Mei 0122083426

10. Sri KDU International School Klang：您应该向 KBR Cafe 下达手动膳食计划订单，联系 KBR 支持 0182113255

11. Real Schools Shah Alam - 您应该向 MJ Excel Enterprise 下达手动膳食计划订单，联系 Justin，电话：0162075991

12. 真正的蕉赖学校

13. 哈维尔国际学校 - 请联系学校。

14. Uplands School Penang - 给您的孩子一份“现金津贴”，他们可以通过触碰支付他们在学校的膳食计划。

有时，您可能会发现“可用的膳食计划”页面显示“没有可用的膳食计划或膳食计划已关闭”通知。这是由于两个原因：

1 - 您的学校食堂/咖啡店商家未公布接下来几周的用餐计划 - 发生这种情况是因为一些商家的速度很慢

2 - 您错过了下一周膳食计划的订单截止日期：( - 查看常见问题解答“我忘记为我的孩子点餐，我该怎么办？”学校常见问题解答具体说明。

膳食计划由您的学校食堂发布，并以每日、每周、每月或基于学期的校内就餐计划的形式提供。如果您孩子的学校提供此服务，则应显示在您孩子的个人资料页面下。

膳食计划由家长通过 Vircle 应用提前支付。 款项将直接从家长电子钱包中扣除 - 可用余额用于膳食计划，而不是从您孩子的卡上现金津贴中扣除。请在您的父母钱包中有足够的可用余额（您可能会在主屏幕上看到此内容）。

请注意，店主不予退还所有预付费餐计划。因此，请确保仅在您决定将您的孩子纳入预付费膳食计划或按照您孩子的学校的要求时购买它们。要购买预付膳食计划，请按以下步骤操作：

第 1 步：导航到您孩子的个人资料页面。

第 2 步：点击预付膳食计划（有些学校称之为膳食计划）。

第 3 步：选择您孩子的年级和班级。

第 4 步：选择可用的用餐计划（请参阅说明中的用餐日期）。

第 5 步：点击查看菜单以查看所有可用餐点。准备好后，只需点击 + 圆圈按钮即可选择特定日期的餐点。当您选择膳食项目时，下方的查看订单栏将刷新。

第 6 步： 准备就绪后，点击查看订单，如果一切正常，点击立即付款。将出现一个购买确认屏幕，如果您有足够的可用余额，它将允许您继续。否则它会要求你充值。

第 7 步：如果您有足够的可用余额，请点击之后确认并输入您的 6 位数用户密码。购买应该会处理，您应该会看到一个确认弹出窗口。如果购买失败，请重试或联系客服。

就是这样！您的孩子的膳食计划已购买。

Our 1st Launch is targeted for Parents, Kids and the cashless school environment where mobile phones are not allowed. Through Vircle, parents can digitally provide spend approvals to their children, have control and visibility of what their children spend and consume at school. Digital approvals are either mapped to the kids existing student cards, wearable devices or contactless cards supplied by Vircle through your child's school.

With Vircle you get to digitally control in real time any form of allwance you give your child and at the same time have visility on how they are spending it, what they buy with their money and so on. You can then use that data to have conversations with your child on nurturing better spending habits.

Our 1st Launch is targeted for Parents, Kids and the cashless school environment where mobile phones are not allowed. Through Vircle, parents can digitally provide spend approvals to their children, have control and visibility of what their children spend and consume at school. Digital approvals are either mapped to the kids existing student cards, wearable devices or contactless cards supplied by Vircle through your child's school.

With Vircle you get to digitally control in real time any form of allwance you give your child and at the same time have visility on how they are spending it, what they buy with their money and so on. You can then use that data to have conversations with your child on nurturing better spending habits.

With a Vircle app on the phone, Parents can select to approve for their kids several types of spend approval, depending on what your school supports:

Cash Approvals – You set a specific cash amount kids are allowed to spend and the limits, enabling children to spend on whatever they want within the limits you set.

Item Approvals* – You select specific items kids are allowed to purchase or pick up in any stores within the school.

Meal Plan Approvals* – You to pre-select and pay school meal plans by term and keep track of your child's consumption.

*Only available at supporting schools.

Your child then uses his or her school card, Vircle Wearable OR Vircle QR Card to scan their identity at a specific store and spend. When they spend on a cash approval, you will get feedback on exactly what they had purchased. For Item approval, you will know exactly what item was picked up at the designated store. For all food consumption, food nutrition value is scored and shared with you in your transaction history.

Parent Wallet : This is where all your top up money goes. Its safe and secure and your child has NO access the money you have in Parent wallet.

Allowance Given : Whenever you approve an allowance for your child to spend, the amount is set aside in the allowance given bucket. This money still sits with you but your child has permission to use it. If your child's allowance expires, the amount automatically reduces in allowance given and money goes back to Parent Wallet.

Available Balance : Available balance is a summary of how much money from your ewallet you can still allocate to your children.

In Simple math, Available Balance = Parent Wallet - Allowance Given.

Follow the following steps to be fully ready to use Vircle. You may find guide videos on our website www.vircle.com which may help you through the process.

Step 1: Download the Vircle App from the Google Play Store or Apple App Store.

Step 2: Register for a Vircle Account, Choose “Sign up” once your app has fully loaded. You will also be required to activate your Ewalet during this process.

Step 3: Add a V Friend. You would have received an welcome pack from us, distributed through the school which contains a QR code specific to your child. Follow the instruction and register your child’s personal details and health input.

Step 4: You will now see your Child listed under Vircles Page. Click on your Child’s photo and you will see details of approvals your child has. To provide your child a “V Give”, click on the Green icon on the low right side of your screen such as the following:

within your childs approval and it shall start the V Give approval process.

Step 5: Now that you have given a V Give approval, DO NOT forget to top up your wallet with money, else when you child tries to spend the approval, it will be rejected. Click on the Vircle logo at the center of your app or Go to Settings->Top Up Wallet and top up your wallet.

Step 6: Now you are ready, you can go back to each approval you have given and see how your child has spent and on what he or she has spent. For Food spending, you will now have visibility on nutrition score of what your child has eaten in school.

Follow the following steps to be fully ready to use Vircle. You may find guide videos on our website www.vircle.com which may help you through the process.

Step 1: Download the Vircle App from the Google Play Store or Apple App Store.

Step 2: Register for a Vircle Account, Choose “Sign up” once your app has fully loaded. You will also be required to activate your Ewalet during this process.

Step 3: Add a V Friend. You would have received an welcome pack from us, distributed through the school which contains a QR code specific to your child. Follow the instruction and register your child’s personal details and health input.

Step 4: You will now see your Child listed under Vircles Page. Click on your Child’s photo and you will see details of approvals your child has. To provide your child a “V Give”, click on the Green icon on the low right side of your screen such as the following:

within your childs approval and it shall start the V Give approval process.

Step 5: Now that you have given a V Give approval, DO NOT forget to top up your wallet with money, else when you child tries to spend the approval, it will be rejected. Click on the Vircle logo at the center of your app or Go to Settings->Top Up Wallet and top up your wallet.

Step 6: Now you are ready, you can go back to each approval you have given and see how your child has spent and on what he or she has spent. For Food spending, you will now have visibility on nutrition score of what your child has eaten in school.

Vircle uses the Electronic Wallet (E-wallet) technology to store your money digitally. E-Wallet is regulated by Bank Negara Malaysia (BNM) under the Financial Services Act 2013 (FSA). As part of this regulation, we are legally required to know our customers through a legal and valid idenitity when storing and paying using the E-wallet.

This is to make sure your money is safe and it is not used for money luandering purposes. For this reason, we are legally obliged to collect and securely store your identity data, which is protected through our Terms of use and privacy policy.