FAQ

Contact Us

Contact our helpful Raiz Customer Experience Team

9AM-5PM Kuala Lumpur Time, Monday - Friday (excluding public holiday)

Need help signing up?

Get Started Here

Need help exploring and understanding the app?

View Our App Guide

You should refer to the Account Opening Agreement on this Website for more detailed information about the Raiz product.

Why Raiz?

What is Raiz?

Raiz is an investment app that helps you to save and invest by allowing you to invest small amounts of money (or we call it micro-investing), as small as your spare change, automatically and consistently into a diversified portfolio of assets. We enable Malaysians to start early, invest often, and reach their financial goals.

Raiz in Malaysia is a partnership between Permodalan Nasional Berhad (PNB) and Raiz Invest Australia Limited.

How does Raiz work?

There are 4 ways to invest with us. Our key feature is the Round-Ups. It works by detecting your purchases from your Round-Up Account and rounding off the spare change of your transaction to the next Ringgit. For example, if you buy a coffee for RM10.30, we will round it up to the next Ringgit RM11.00 and the 70 cents difference will be invested.

Besides Round-Up, you may also invest a lumpsum amount as low as RM5 at any time, set a recurring investment on a daily, weekly, or monthly basis, and earn cash back that will be invested as you shop with Raiz Rewards.

Opening an account

What do I need to get started/register?

To open an account with Raiz, you will need to download and install the app via the Google Play Store/Apple App Store:

You may follow our Registration Guide here: https://raiz.com.my/registration-guide/

What's involved in the signup process?

We have designed the signup process to be as painless as possible. To get started, simply register your email address, and set a secure password. Next, link a Round-up Account, Funding Account, and Withdrawal Account. Answer a few questions about yourself, and once that's done, we'll verify your account as quickly as possible.

What is account verification?

The purpose of account verification is that the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act (AMLATFPUAA) 2001 obliges licensed institutions such as Raiz to identify and verify a customer's identity. Therefore, we ask for some basic information for your account verification such as;

  • Full Name (as per MyKad)
  • Home address
  • MyKad Number
  • Registered Mobile Number
  • Email Address

We will verify your account as quickly as we can once we have this information. Therefore, it's very important that you enter information accurately. If we have trouble verifying your information, we'll reach out to you.

Please note that your money will not be invested until your identity is verified.

You can be sure that Raiz will take care of any information you provide and that our procedures will be in accordance with our Privacy Policy.

Is there a minimum investment amount required to open an account?

Raiz has no minimum account balance requirement to open an account, but in order for you to start investing your funds into your recommended portfolio, the minimum investment is RM5.

This is also conveniently done through our Round-Ups process each time you make a purchase, those Rounds-Ups accumulate towards your selected threshold (RM5/RM10/RM20/RM40) and then invested into your portfolio accordingly.

Is there a minimum age requirement to open an account?

You must be at least 18 years old and a Malaysian citizen to open an account with Raiz.

*Preauthorisation charge

There will be a preauthorisation charge of RM1 every time you link your bank card to your Round-Up/Funding Account even if the card linked has been linked in the past.

The amount will be refunded to you within 14 working days.

What happens if I delete the Raiz App from my device, or get a new phone?

Raiz operates in the cloud and your account and investments are safe even if you delete the App or get a new phone or device. When you login from a new device, a security alert will be sent to your email.

Your automatic round-ups and recurring deposits will still be processed even if the Raiz app is not currently installed.

Can I close my account at any time?

Yes, you can request to close your Raiz account anytime through the app. Click on the Menu button, go to My Settings > Support > Close Account.

Your Funding Account and Round-Up Account will be unlinked, and your remaining balance, if any, will be transferred to your Withdrawal Account. It normally takes 2 working days for your money to reach your Withdrawal Account.

Please note that your account closure will only be completed once there is no pending transaction.

Alternatively, you may contact us via email at help@raiz.com.my or call us at +60327146114 for us to assist you with closing your Raiz account.

Please also note that uninstalling the app does not close your account.

How to reset password?

If you forgot your password, you need to set a new one by clicking “Forgot Password” at the bottom of the Raiz app's login screen. An email with a link to reset password will be sent to the registered email address. The new password must include at least 8 characters, a capital letter, a lowercase letter, and a number. For example, Raiz1234.

You must also enter your MyKad number in the correct format (for example, xxxxxx-xx-xxxx) and the phone number that you have registered with us in the correct format (for example, 01xxxxxxxx).

My investment portfolio

How is my investment portfolio determined?

The answers that you provide during the sign-up process will be used to determine your risk profile. The algorithm used by Raiz will then recommend an investment portfolio for you based on your risk profile.

There are 7 portfolios; ASNB Conservative, ASNB Moderate, ASNB Aggressive, Conservative, Moderate, Aggressive and Custom Portfolio – please refer to the Account Opening Agreement for more information.

What do I own in my portfolio?

Your investment portfolio is comprised of unit trust funds. The funds in your portfolio may include asset classes such as bonds, shares, gold, cash, and commodities. You do not own the assets in the portfolio directly.

Can I change my portfolio?

Yes. You have the option to switch to a new portfolio.

As each portfolio carries different levels of risk, please note that you may be exposed to risks that are below or above your risk tolerance if you change your portfolio. Your new portfolio will be changed within next 2 working days. No fees will be charged for portfolio switching.

Is there risk involved in my investment?

Yes. The assets that you own are subjected to stock market fluctuations which is why we advocate long-term investment goals.

The Raiz philosophy is about saving and investing, even with small amounts, regularly so you can keep the momentum going.

Regular disciplined savings can help improve your financial position in the long run far quicker than choosing the best fund manager.

For more information, kindly refer to our blog post here: https://raiz.com.my/blog/should-i-withdraw-all-my-money-now-investing-from-our-pov/

How much is the Return?

Return from one user to another is different due to many factors ie. different time when investing/withdraw and of different amount. And also, price per unit moves up and down every day according to market changes.

That is why we educate our users to invest small amounts regularly as this can help you to ride the ups and downs of the market. This is one of the keys to have a healthier balance over the long run. This is the well-known principle of Ringgit Cost Averaging (RCA).

For more information, kindly refer to our blog post here: https://raiz.com.my/blog/should-i-withdraw-all-my-money-now-investing-from-our-pov/

What are unit trusts?

Unit trusts are a form of collective investment that allows investors with similar investment objectives to pool their funds to be invested in a portfolio of securities or other assets.

What is automatic rebalancing?

Automatic rebalancing is Raiz's method of maintaining your specific portfolio allocation. Market fluctuations may cause some of the securities in your portfolio to appreciate or depreciate in value.

When this occurs, we use automatic rebalancing to bring your portfolio back to its specified allocation. This ensures that the securities in your investment account are proportioned correctly as we try our best to help you reach your investment goals.

How does Raiz rebalance my portfolio?

Raiz automatically rebalances your portfolio as you invest. Every time you deposit or withdraw funds, we adjust the proportions of the unit trust funds purchased to move your account towards its target portfolio allocation.

We also periodically review, typically on a quarterly basis, and rebalance your portfolio whenever the percentage holding of one or more funds fluctuates 5% above or below its target allocation. We sell overrepresented funds and use the proceeds to buy underrepresented funds to bring your portfolio towards its target allocation.

Rebalancing also occurs whenever you request to change your portfolio. We adjust the allocation of each fund to match the new risk profile. We sell overrepresented funds and use the proceeds to buy underrepresented funds to bring your portfolio in line with its new target allocation.

Won't I earn distributions from my portfolio?

Yes, you can earn distributions from your portfolio, your distributions will be automatically reinvested in your portfolio. You can view your distribution history through the Raiz app.

How often do I get dividends?

The funds that make up your portfolio distribute dividends, if any, at their discretion and on varying schedules. Worth to note that some may choose to distribute, some may choose not to, and let the capital appreciate.

For more information on these funds i.e. its financial year end and distribution history, please refer to the prospectus of each individual fund, which can be found on their websites, or contact us.

Is Raiz Shari'ah-compliant?

All Raiz investment portfolios are investing in unit trust funds.

  1. Abrdn Islamic World Equity Fund
  2. UOB Global Balanced - Shariah Fund
  3. UOB High Quality Sukuk Fund
  4. AHAM Shariah Gold Fund
  5. Nomura i-Cash
  6. Aiiman Growth
  7. Nomura Global Shariah Semiconductor

And they are all Syariah-compliant funds.

For ASNB Aggressive, ASNB Moderate and ASNB Conservative portfolios, the funds are;

  1. ASN Equity 3 Fund
  2. ASN Imbang 2 Fund
  3. ASN Sara 1 Fund

They are managed by Amanah Saham Nasional Berhad (ASNB), a wholly-owned subsidiary company of Permodalan Nasional Berhad (PNB). The funds carry the status "harus" by the Islamic local councils in Malaysia, both at state (Jawatankuasa Fatwa Negeri) and federal level (Jawatankuasa Fatwa Majlis Kebangsaan).

Please read here for more info: https://raiz.com.my/blog/investing-in-raiz-portfolio-is-it-syariah-compliant.

How to track past performance

You can check your past performance for your investments by clicking into the 'Performance Detail' section located on your Raiz app home screen.

You may find your performance graph in that section and hovering over any particular part of the graph will you be given the date of each area of the graph. By pressing onto the account value amount in the 'Performance' section, you will be shown the breakdown of your account value.

How to start investing

Once you have completed registration and your account has been verified, you may start investing and saving immediately through the following methods:

  1. Auto Round-Up Investment
  2. Recurring Investment
  3. Lump Sum Investment
  4. Raiz Rewards

Kindly note Round-Up Investments will only be invested after the accumulated amount has reached the threshold set by you.

You may track your investments and set your preferred plan via the Raiz application Home Page > Invest section.

Deposits and Withdrawals

How to make an investment deposit?

Link your debit card to the Funding Account. After that, you can make a deposit with just 2 clicks!

How long does it take for my deposit to be invested and reflected on the Raiz app?

It will take up to next 2 working days for your money to be invested and reflected in your app.

We will start investing your money after we have received it in our trust account. At this point, you will see this transaction as "processing" in your Raiz app.

What is the maximum amount can I invest at one time?

You can invest a maximum RM20,000 at one time, subject to maximum Purchase Limit of your debit card.

Can I change my Funding Account?

Yes. You can do it directly through your Raiz app (My Settings > Funding Account > Change).

Can I withdraw my money whenever I want?

Yes. Just go to the app and click “Withdraw”. Your money will take up to next 2 working days to reach your bank account (Withdrawal Account).

How long does it take to withdraw from my Raiz Investment Account?

Withdrawal takes up to next 2 working days from the day you made the request as it involves:

  • the selling of your securities; and;
  • the transferring of the proceeds to the Custodian; and
  • the transferring of the proceeds from the Custodian to your bank account.

Normally, your withdrawal process will be completed in the next 2 working days.

Is there any limit to how much I can withdraw at one time?

No. However, the minimum withdrawal is RM5.

How do I cancel my investment / withdrawal transactions?

For pending investment, you may cancel it within the first few minutes after it was made. Go into the app, click on "Past", click on the transaction, and click “Cancel”.

If it has been taken out from your bank, you may cancel it within the same day, but you will need to contact our Customer Experience team to do it.

Once the investment has been processed, you can make a normal withdrawal.

To cancel pending withdrawals, go into the app, click on "Past", click on the transaction, and click “Cancel”.

Please note that once the withdrawal is processed, you will not be able to cancel it as your units have already been sold and on its way to your bank account (Withdrawal Account).

Can I change my Withdrawal Account?

Yes. You may do so via the Raiz app under My Settings > Withdrawal Account.

Please note that changing your Withdrawal Account will require us to re-verify your account, and this could take up to 2 business days. Until then, you may not be able to make withdrawal.

Why is my transaction shown as “failed”?

The issue could be possibly due to insufficient funds on your debit card, or you may have exceeded your debit card's maximum purchase limit for the day.

If the transaction is shown as “failed”, nothing is charged to your bank card. We advise you to check with your bank for the failed transaction.

What banks and cards can I link to my Raiz account?

Round-up Account is currently available only for VISA cards (debit & credit for all banks) and Maybank Debit Card.

For Funding Account, you can link debit cards issued by any banks in Malaysia.

How do I protect my Raiz account?

We recommend that you keep your Raiz account secure by always logging out after use. In fact, we automatically log you out of the app after periods of inactivity and require you to enter your passcode to get back on. Additionally, you should choose a difficult-to-guess password and store it in a secure location.

Why did I receive a lower amount from my withdrawal?

The amount you received vs the amount requested may vary (lower or higher) due to the price changes according to the share market movement.

Taxes and Fees

Do I have to pay taxes on money I make through my Raiz account?

Interest income, in general, are tax exempted at the unit trust level. So, investors who receive a distribution of such tax exempt income will not be subject to income tax.

Gains from disposal of investments by the unit trust fund is not subject to tax. The distribution of gains from such disposals is tax exempt in the hands of the unit holders.

Gains realised by the investor on the sale of the unit trusts are also tax exempted.

Dividend income received by the fund is subject to tax, and the investors receive the distributions net of tax.

Does Raiz has a montly fee?

Once an account is opened, there are no fees on RM0 balances and after that we only charge RM1.50 per month for accounts with a balance under RM6,000 and 0.025% per year (charged monthly, computed daily), for accounts with a balance of RM6,000 and over.

How and when does Raiz charge its fee?

A monthly account fee of RM1.50 is payable if your Raiz Investment Account has a value of less than RM6,000 at the end of each month. This fee is to cover the cost of administering your Raiz Investment Account. The fee will be charged to your debit card set as your Funding Account. If we fail to charge the Account Fee from your Funding Account, we may charge it to your Raiz Investment Account by disposing sufficient units in your Raiz Investment Account equivalent to the Account Fee.

If your Raiz Investment Account has a value of RM6,000 and more at the end of the month, the fee payable is 0.025%% per month of the Raiz Investment Account balance which will be charged to your Raiz Investment Account.

Are there withdrawal fees?

No. It is always free to move money in and out of your Raiz account.

Will I be charged a fee if I have a RM0 balance?

No, there are no fees on RM0 balances.

Round-ups

*How does the spare money investment or Auto Round-Up function work?

When you make purchases using your linked debit or credit card in the Round-Up Account, we will round up those purchase transactions to the next Ringgit. Subsequently, the available balance will accumulate first (virtually within your Raiz app). When this accumulated balance exceeds the limit that you have set, the funds will be withdrawn from your Funding Account, then invested according to your portfolio.

For example?

You have linked your credit card to the Round-Up Account. You make a purchase at the grocery store and pay with the same credit card for a total of RM50.30. Raiz records the transaction and rounds it up to RM60. So, there's an available balance of 70 cents.

Please note, at this point, this balance will not be immediately withdrawn from your card. Instead, it will be virtually accumulated within your Raiz app.

As you continue to make purchases, this balance will keep accumulating virtually. When the accumulated balance reaches the RM5 limit you have set, this accumulated balance will be withdrawn from your linked debit card in the Funding Account and then invested immediately.

How do I set automatic round-ups?

Automatic round-ups can be turned on and off by going to the home page, to “Invest”, to “Round-Ups”, to the cog symbol on the top-right once, and then again.

Can I still use round-ups without making them automatic?

No. If automatic round-ups are turned off, you will not be able to use the round-up feature.

Is there a limit on the number of cards I can use for round-ups?

You can link more than one bank card as your Round-up Account.

Will there be a round-up on even amounts of money?

Yes, even amounts will be rounded up to the next Ringgit. For example, if you spend RM10.00 using your bank card, that transaction will be rounded up to RM11.00.

What happens if my linked card is lost or stolen?

Your account with Raiz is not at risk if your linked card is lost or stolen. However, we recommend that you change the card from your Raiz account. This can be done by going to “My Settings”, and then to “Round-Up Account”.

Raiz Kids

What is Raiz Kids?

We have just released a new and improved version of Raiz Kids with so many better features. With Raiz Kids 2.0, each kid can now have their own account and investment portfolio, each with different settings.

Note that, for the old Raiz Kids 1.0, the kid's accounts are only sub-accounts within your main Raiz account.

Now, you can control your kid’s access or give full access to them to let them learn practical money management skills. Kindly update your Raiz app to the latest version from the app store to enjoy the new features.

Besides that, you can now transfer-in any amount from your own Raiz account to the kid's account or invest directly into the Raiz Kids account (money from your Funding Account).

Just like your main Raiz account, you can also invest your spare change from everyday purchases, set up recurring investments, or just invest lump-sum for your kids.

To set up Raiz Kids 2.0 account, go to Main screen > Add Raiz Kids.

How to invest into my Raiz kids?

You can invest in Raiz Kids with Lump Sum Investment or Recurring Investment.

Steps for Lump Sum Investment:

  1. Go to Raiz Kids from the home screen
  2. Click on View Details
  3. Click on Invest Now

Steps for Recurring Investment

  1. Go to Raiz Kids from the home screen
  2. Click on View Details
  3. Click on Recurring Investments
  4. You can set your recurring amount and the frequency too (daily, weekly, fortnightly, and monthly)

In addition, you can also 'Transfer In' your current balance to your Raiz Kids balance.

What are the benefits to me/my children?

With Raiz Kids, you can apply the same Raiz philosophy of regular automatic investments, watching it grow for you and your children in the background of life. Depending on the Raiz Kid's age, there is a calculated estimated value for that goal when your Raiz Kid turns 18. Please keep in mind, past performance is not an indication of future returns. However, we believe investing regularly is one of the keys to having a healthier balance over the long run.

What happens when they turn 18?

Once your child turns 18, you'll have the option to convert your Raiz Kids account into a fully functional Raiz Account.

Do I need to have a funding account linked?

Yes. In order to make an investment, including round-ups investment, recurring investment or a lump sum investment, you will need to have a Funding Account linked up.

If you haven't done this already, you can do this by going through the Raiz app by going to My Settings > Funding Account > Add a new funding account.

Can each of my Raiz Kids be in different portfolios?

Yes. They can have different portfolio based on your choice.

Can I remove my Raiz Kids?

Yes, you can edit or remove your Raiz Kids account at any time using both the web app and the mobile app. Simply visit the Raiz Kids section from your home screen, click on 'View Details,' and you'll find the 'Close Account' button. If you choose to close the Raiz Kids account, the balance will be transferred to your withdrawal account after we have sold all your investment unit.

Custom Portfolio

What is the Custom Portfolio?

The Custom Portfolio allows you to build your own personalised portfolio by choosing the portfolio allocation from a selection of unit trust funds. Your Custom Portfolio is unique to you.

How does it work?

Once you have selected the Custom Portfolio option on the top of the portfolio screen, you can use a slider at the bottom of the screen to select the percentage for each unit trust funds in your portfolio. You can set the percentage allocation of each fund within the allowable range.

How do I change the name of my Custom Portfolio?

Just click 'Edit portfolio' on the Custom Portfolio screen and then click on the name of the portfolio once you are in editor mode. To save your name, click on 'Save Allocation'.

Can I change the allocations in my custom portfolio?

You can adjust the allocations of your Custom Portfolio. This rebalancing occurs within two business days of a portfolio change request. We do not charge any fees for these changes.

Custom Portfolio is not a trading tool and changing your portfolio too frequently is not recommended.

To change your allocations of your Custom Portfolio, click on the "Edit portfolio" button on the Custom Portfolio screen in the app. Once you are done editing and want to save the changes, click on "Save Allocation".

Custom Portfolio rebalancing

Raiz automatically rebalances your portfolio as you invest. Every time you deposit or withdraw funds, we adjust the proportions of the unit trust funds purchased to move your account towards its target portfolio allocation.

We also periodically review, typically on a quarterly basis, and rebalance your portfolio whenever the percentage holding of one or more funds fluctuates 5% above or below its target allocation. We sell overrepresented funds and use the proceeds to buy underrepresented funds to bring your portfolio towards its target allocation.

Rebalancing also occurs whenever you request to change your portfolio. We adjust the allocation of each fund to match the new risk profile. We sell overrepresented funds and use the proceeds to buy underrepresented funds to bring your portfolio in line with its new target allocation.

Can I move from a Custom Portfolio to another Raiz Portfolio?

Yes, you can switch at any time with no fees.

What does the 'Risk Scale' mean?

The risk scale is automatically adjusted based on the allocations you select for your Custom Portfolio. If your risk scale is skewed towards the orange (High) side of the slider, it means that your portfolio has a higher level of risk compared to one that is towards the green (Low) side.

Raiz Rewards

What is Raiz Rewards?

Raiz Rewards is our cashback program. When you shop online with our brand partners through Raiz, you will receive a cash reward invested back into your active Raiz Investment Account!

Who are the partner brands?

You can find them in the Raiz Rewards section in the app. We add new brands all the time so be sure to check back from time to time for new brands you can earn cash rewards with.

How do I shop?

In the Raiz Rewards section in the app, click on the brand you would like to purchase from. Click the “Shop Online Here” link and make your purchase immediately. By clicking the link, we will be able to automatically track your purchase and invest eligible cash rewards into your Raiz account. Make sure your browser is not in incognito mode too.

How much cash rewards will be invested from my purchase?

Our brand partners will invest a certain percentage of your purchase price (or a fixed amount) back into your Raiz account. The percentage (or the fixed amount) will be different according to the brands. Please make sure to check the Terms & Conditions for each brand before you shop.

Note that Raiz may also be paid a certain percentage of your purchase price (or a fixed amount) for promoting the partner brands.

When will I get the cash rewards invested into my Raiz account?

Your cash rewards are only awarded for successful purchases. Please note that it may take longer than you think, after considering each brand's cancellation / return / exchange period. This may take up to 190 days.

You will automatically have your cash reward invested when we have received the payment from your brand.

What if I still haven't received my cash reward after the period specified? or my Raiz Reward status is Failed?

Email help@raiz.com.my with a copy of the receipt. We will escalate it to your brand to investigate. Kindly note, it will take some time for the brand to investigate the status of your reward. Please note that as per the Terms & Conditions, the outcome of the brand investigation will be final and binding by Raiz.

Why do some brands become “unavailable” sometimes?

That is because the brand has decided to temporarily stop their cash reward program. Not to worry, you are still entitled for your Raiz Rewards for the purchases you have made in the past. The brand may resume its program so check it out at your Raiz Rewards section from time to time.

What are the Terms & Conditions (T&Cs)?

Each brand has unique T&Cs. Please check the details in the app for each respective brand in the Raiz Rewards section of the app. The product and delivery of any purchased product is at the discretion and control of the brand. This includes the product specifics and the timing of deliveries. If you have any dissatisfaction with your service or product, please get in contact with them directly.

A brand that I like is not there. Can I request for the brand to be in the Raiz Rewards program?

Of course! Let us know what brand you like, and we will strive to get in contact with them. You can contact us at help@raiz.com.my or call us on +60327146114. Please also feel free to contact the brand you like and share your thoughts on Raiz with them too - that will help us a lot!

Referral

What is Raiz Referral Reward?

Raiz offered a referral program where existing users could earn rewards by referring new users to the platform. The referral reward typically involved both the existing user and the new user receiving a bonus or credit once the new user signed up and met certain conditions, such as making their first investment.

How to refer Raiz?

You can find the referral link in the app and share it with your contacts, friends, and others.

To share, go to 'Invite your friends' where you will find four platforms: Contacts, WhatsApp, X, and Facebook. Make sure your friends click on your link so that both of you can receive the Referral Rewards of RM10.00.

How much is the referral reward that will be received?

For every successful referral, Raiz will credit RM10 to both the referrer and the referee

What are the requirements to get the referral reward?

The Referral Rewards will be credited to both the Referee and Referrer's Raiz account once the following requirements are met;

  1. Referee clicked and registered from the Referrer's link.
  2. Referee has completed the account registration, and has the account verified.
  3. Both the Referee and Referrer has made an investment and MUST have a balance of minimum RM10 in their Raiz account.

Once met, the reward will be credited to both the Referee and Referrer's Raiz account in the next 1 working day.

Safety and Bugs

Is Raiz safe?

Raiz holds a valid license issued by the Securities Commission Malaysia (License eCMSL/A0363/2020). You can verify our license authenticity by clicking here: (https://www.sc.com.my/regulation/licensing/licensed-and-registered-persons) or (https://www.sc.com.my/investment-checker)

Investors in Malaysia benefit from regulatory protection when dealing with licensed entities like Raiz. This protection encompasses various aspects, including safeguards against fraud, money laundering, and a legal framework for dispute resolution.

While Raiz prioritizes the security of your investments, it's important to note that, like any other investment, your funds may be subject to market fluctuations. For more information on how we prioritize your security, feel free to explore our dedicated security page here. (https://raiz.com.my/security/)

My bank card is lost / stolen / replaced. What should I do?

Your Raiz account is not at risk if your bank card is lost or stolen. You can always update your bank card link through the Raiz app at any time.

My account has been locked due to suspicious activity. How can I get it unlocked?

For your security, we require that you contact the Customer Experience team in order to unlock your account. Note that this will require the confirmation of some personal information. You can contact us at help@raiz.com.my or call us on +60327146114.

Does Raiz store my bank card information on their servers?

Please note that we do not store your card information. We take card data security very seriously, and we do not have access to your card information. We use Infinitium (https://www.infinitium.com/) to securely handle card information. Infinitium is a validated Level 1 Payment Card Industry Data Security Standard (PCI­DSS) compliant service provider.

How do I protect my Raiz account?

We recommend that you keep your Raiz account secure by always logging out after use. In fact, we automatically log you out of the app after periods of inactivity and require you to enter your passcode to get back on. Additionally, you should choose a difficult-to-guess password and store it in a secure location.

What is Bad Request?

Bad Request is when your device is temporarily blocked from accessing your account due to exceeding the limit of failed login attempts, you may attempt to login again after 1 hour.