BigPay review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BigPay is a no monthly fee multi-currency app for people who move money often and want a Visa debit card in the same place. It suits everyday spending and bill payments, and falls short on currency conversion, where fees of 2% rank it 165 of 258.
Key facts
Savings
- Access terms
- App access for local and international transfers, bill payments and prepaid top-ups↗
- Account kind
- Easy access↗
- Pricing model
- No monthly fee
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXTrustpilot
Pros and cons
Pros
- Monthly fee of MYR 0 means no standing cost to hold the account
- Holds 12 currencies with multi-currency, virtual-card and travel features
- A Visa debit card, debit, draws from the same balance
- Support runs on email, phone and help centre
Cons
- Currency conversion fees of 2% rank 165 of 258
- Coverage stops at 12 currencies, short of wider multi-currency accounts
- Support runs on email, phone and help centre, with no branch or in-person option listed
Who it suits
- People paying bills and topping up prepaid balances from one app
- Travellers holding several currencies in a single easy-access account
- Anyone who wants a Visa debit card with no standing monthly charge
Who should look elsewhere
- Frequent currency converters, who will pay more than Wise at 0.1%
- People who want a branch, since support runs on email, phone and help centre
- Travellers needing more than 12 currencies held at once
Fees and currency costs
The monthly fee is MYR 0, so holding the account costs nothing each month. The cost to watch is currency conversion, charged at 2%. That sits above Wise at 0.1% and above Starling Personal Account Debit Card, which charges 0%. bunq takes a range, 0.5% to 3%. BigPay ranks 165 of 258 brands on this measure, so the conversion rate is where an easy-access multi-currency account starts to cost.
Who runs it
BigPay was founded in 2017 and works as an app rather than a branch. The app covers local and international transfers, bill payments and prepaid top-ups. The account is easy access, so money moves without a fixed term, and the card is a Visa debit card, debit, on the visa network. Support runs on email, phone and help centre, which covers phone and email as well as a help centre, all handled through the app.
How BigPay compares
8.8 vs 9.4
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Where BigPay is available
- Available
- Indonesia, Malaysia, Singapore, Thailand
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does BigPay cost to hold each month?+
The monthly fee is MYR 0, so there is no standing charge for keeping the account open. Spending and transfers in the same currency do not add an account cost. The expense to weigh is currency conversion, which is charged separately.
What does BigPay charge to convert currency?+
Conversion costs 2%. That is higher than Wise at 0.1% and higher than Starling Personal Account Debit Card at 0%. It places BigPay at 165 of 258 brands ranked on conversion fees.
How many currencies can I hold in a BigPay account?+
BigPay supports 12 currencies in one account. The features list covers multi-currency, a virtual card and travel, so balances in several currencies sit together. Converting between them costs 2%.
Is the BigPay card a debit card and which network does it use?+
Yes, the card type is debit and it runs on the visa network. It draws directly on the account balance rather than on credit, so spending is limited to the money held. A virtual card is also listed among the features.
What kind of account is a BigPay account?+
It is an easy access account, which means there is no fixed term and money can move as needed. The monthly fee on it is MYR 0. Transfers, bill payments and prepaid top-ups are all handled in the app.
How do I reach BigPay support?+
Support runs on email, phone and help centre, so you can use a phone line, email or the help centre. All of these run through the app, since the service has no branch. The account itself is opened and used in the app.
When was BigPay founded?+
BigPay was founded in 2017. It operates as an app covering local and international transfers, bill payments and prepaid top-ups. The account works as an easy access account with a MYR 0 monthly fee.
Sources
- sg.linkedin.com/company/bigpayme checked September 26, 2026
Backs: Founded
“Southeast Asian fintech company founded in 2017”
- twitter.com/bigpaymeapp/status/970860681946841090 checked September 26, 2026
Backs: Support channels
“you can call the team at +603 7662 9200. Alternatively, you can also write in to askbig.prepaid@tunemoney.com”
- web.archive.org/web/20251231205704/https://bigpayme.com checked September 26, 2026
Backs: Access terms, Account kind, Pricing model, Monthly fee
“Enjoy seamless local and international transfers, bill payments, and prepaid top-ups”
- wise.com/my/blog/bigpay-review checked September 26, 2026
Backs: Card type, Currencies, Features, Currency conversion fee, Card network
“Mastercard or Visa debit card”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.