About Valyou

Valyou offers a convenient, safe and cost-efficient way to send money overseas from Malaysia. We empower the underbanked communities to manage their money the smarter way.

We build our products and services with a focus on three things: convenience, reliability and affordability. We believe in revolutionising financial services through digital technology. Our pioneering technology enables migrant workers and other underbanked communities in Malaysia to manage their money and perform financial transactions digitally.

At Valyou, we ask: “What can I do to help you?” We see every interaction with our customers and partners as an opportunity to be inspiring by making it easy for them. We explore new ways and we are not afraid to challenge ourselves and invent better solutions for everyone. We treat people with respect and keep our promises.

Valyou is a Malaysian mobile financial services business unit of Merchantrade Asia licensed and regulated as a money services business (MSB) and approved to issue e-money by Bank Negara Malaysia. Send money from Malaysia to Indonesia, Nepal, Bangladesh, India, Pakistan, Philippines, Vietnam, China and Cambodia from a branch, through an international remittance agent or via mobile wallet app. Valyou mobile wallet app features also include peer-to-peer transfer, prepaid top-up, bill payment and more.

Learn more about our services

Remittance · Top-up · Payment · E-wallet · Online

Valyou Sdn. Bhd. 200701008529 (766531-U) holds a License to Carry On Money Services Business issued under the Money Services Business Act 2011 by Bank Negara Malaysia.

Valyou Sdn. Bhd. 200701008529 (766531-U) adalah pemegang Lesen untuk Menjalankan Perniagaan Perkhidmatan Wang yang dikeluarkan di bawah Akta Perniagaan Perkhidmatan Wang 2011 oleh Bank Negara Malaysia.

Serial No.
No. Siri
Class of Licence
Kelas Lesen
Nature of Business
Jenis Perniagaan
Remittance Business
Perniagaan Pengiriman Wang
Valid Until
Sah Sehingga
30 March 2020*
30 Mac 2020*


Please be informed that Valyou has received a “Holding Letter” from Bank Negara Malaysia – Money Services Business Regulation Department (BNM-MSBRD) dated March 17, 2020 to allow Valyou to continue to perform its money services business and the license for the said money services business remains in force. This is as provisioned under Section 9 (5) of the Money Services Business Act (MSBA) 2011.  


Dimaklumkan melalui surat daripada Jabatan Pengawalan Perniagaan Perkhidmatan Wang (JPPPW) bertarikh 17 Mac 2020, bahawa permohonan pembaharuan lesen Valyou Sdn Bhd  sedang dalam pertimbangan pihak Bank Negara Malaysia (Bank). Sebagaimana yang diperuntukkan di bawah subseksyen 9(5) Akta Perniagaan Perkhidmatan Wang 2011 (APPW), Valyou Sdn Bhd masih boleh meneruskan perniagaan perkhidmatan wang dan lesen perniagaan perkhidmatan wangnya akan terus berkuat kuasa.