Frequently asked
questions

TML Remittance Center Sdn Bhd is a Money Services Business (MSB) licensed by the regulator (MSB Licence No. 00455). Since 2008, we provide international remittance, money exchange and wholesale currency services through 90+ branches across Malaysia and the TML Remit mobile app.

Yes. TML is fully licensed by the regulator under MSB Licence No. 00455, and operates under strict AML/CFT (Anti-Money Laundering / Counter Financing of Terrorism) regulations.

Anyone aged 18 and above with a valid identification document (MyKad, passport, or work permit) can use our services. Migrant workers, businesses and individuals are all welcome.

Most branches operate Monday – Saturday, 9:00 AM – 6:00 PM. The TML Remit app lets you send money 24/7, even when branches are closed.

You can send money in two ways: walk into any TML branch with your ID and cash, or use the TML Remit app to send anytime. Choose the destination country, enter the amount, select your recipient, pay, and you're done.

TML supports remittance worldwide, including the Philippines, Indonesia, Bangladesh, India, Nepal, Myanmar, Pakistan, Vietnam and more. Available destinations are shown live in the app and at the branch.

Most transfers are completed within minutes. Depending on the destination country, receiving bank and payout method (cash pickup or bank deposit), some transfers may take a few hours.

Depending on the country, recipients can collect cash over the counter, receive a bank account deposit, or get an e-wallet credit. You choose the payout method when you create the transfer.

Yes. Every transfer has a reference number. In the TML Remit app you can see the live status, and you'll receive notifications when the money is sent and received.

Fees are transparent and competitive, and are always shown before you confirm a transfer — both at the branch and in the app. There are no hidden charges.

We offer competitive, live exchange rates that are updated throughout the day. The exact rate and the amount your recipient will receive are displayed before you confirm.

Our money exchange service uses competitive rates with no hidden charges. Walk in to any branch — no appointment needed.

Yes, the TML Remit app is free to download on the Apple App Store and Google Play. You only pay the standard transfer fee when you send money.

Download TML Remit, tap Create Account, enter your phone number and verify with the code sent to you, then complete your personal details. A full step-by-step guide is available in our User Guide.

You can pay securely via FPX from your Malaysian bank account, or choose Pay at Counter and complete payment at a TML branch.

Yes. The app uses bank-level 256-bit encryption, supports biometric (fingerprint / Face ID) login, and is fully compliant with regulatory requirements.

KYC (Know Your Customer) is an identity verification process required by the regulator for all money services. It protects you and helps prevent fraud and money laundering.

You'll need a valid identification document — MyKad for Malaysians, or passport / work permit for foreign nationals. In the app you upload the front and back of your ID and take a quick selfie.

In-app KYC is usually quick. After uploading your documents, visit your nearest TML branch to finalise verification if requested. Once verified, you can keep sending without re-submitting.

Use our Branch Locator to find your nearest branch on the map, get directions, and see opening hours and contact numbers. We have 90+ branches across Peninsular Malaysia, Sabah and Sarawak.

The TML E-Card is our digital redemption loyalty card. Collect and redeem loyalty rewards digitally — no physical card needed. Visit ecard.i-tml.com to learn more and manage your E-Card.

No appointment is needed. Walk in to any TML branch during operating hours with your ID and our staff will assist you.

You can reach us through our Contact page, email info@i-tml.com, or visit any branch. Our team is happy to help.