Is the TNG Go+ (Touch 'n Go eWallet) PIDM-insured?

No. The TNG Go+ (Touch 'n Go eWallet) is not PIDM-insured — it is not a bank deposit.

TNG Go+ (Touch 'n Go eWallet)

Q: What is the interest rate on the TNG Go+ (Touch 'n Go eWallet)?

The TNG Go+ (Touch 'n Go eWallet) pays a base rate of 3.2% p.a.. GO+ is an investment product (Principal e-Cash, a Shariah-compliant money market fund managed by Principal Asset Management Berhad), not a savings/deposit account. Official page: 'Earn up to 3.2% p.a., with returns distributed daily into your GO+ balance'; returns fluctuate with market performance and are not guaranteed. Official page states: 'GO+ is not a savings or deposit account and does not fall under PIDM protection.' Still operating as of Sep 2026 (product page live; TNG news release on RM20,000 limit). Verified 4 Sept 2026 against the official TNG Go+ (Touch 'n Go eWallet) website.

TNG Go+ (Touch 'n Go eWallet) · Malaysia · Verified 4 Sept 2026

BASE RATE

3.2% p.a.

MAX RATE (ALL TIERS)

Not disclosed

BALANCE CAP

RM20,000 (raised from RM9,500 per official TNG news release)

■ BONUS TIER REQUIREMENTS

Salary credit NOT REQUIRED

Card spend NOT REQUIRED

Bill payments (JomPAY / standing instruction) NOT REQUIRED

Insurance / investments via bank NOT REQUIRED

PIDM insured NO — NOT A BANK DEPOSIT

Minimum balance RM10

Monthly fee not disclosed (fund expense ratio applies; official page does not state a fee)

HOW THE RATE WORKS

GO+ is an investment product (Principal e-Cash, a Shariah-compliant money market fund managed by Principal Asset Management Berhad), not a savings/deposit account. Official page: 'Earn up to 3.2% p.a., with returns distributed daily into your GO+ balance'; returns fluctuate with market performance and are not guaranteed. Official page states: 'GO+ is not a savings or deposit account and does not fall under PIDM protection.' Still operating as of Sep 2026 (product page live; TNG news release on RM20,000 limit).

SOURCE

https://www.touchngo.com.my/goplus

Touch 'n Go official GO+ product page: 'earn daily returns of up to 3.2% p.a. through Principal e-Cash, a Shariah-compliant money market fund'; start from RM10; no lock-in; 'GO+ is not a savings or deposit account and does not fall under PIDM protection.' Savings limit RM20,000 per official TNG news release (touchngo.com.my/news/go-now-offers-higher-saving-limit-unlocking-more-daily-earnings-with-tng-ewallet).

Verified 4 Sept 2026. Rates change — always confirm on the official site.