KAF Digital Bank

Islamic digital bank

Reviewed 1 October 2026

Where it may fit

A candidate for Islamic everyday banking if its account tier covers your usual payments and you are comfortable with discretionary returns.

Consider the limitation: Not a match for someone who needs a promised savings yield. If your outgoing payments often approach the Basic Plus limit, settle your tier and available allowance before relying on it for salary-day payments. Local ATM pricing needs confirmation.

Your tier covers the whole payment day

Under Qard, your deposit is a loan to the bank which it must repay under the account terms. Hibah is a gift it may choose to give. Budget without assuming a future hibah payment, even if previous months showed a return.

To request Premium, use More → My Tier → Premium → Upgrade Now and submit the requested income or occupation evidence. Approval is required. The current upgrade guide accepts several forms of evidence, including a payslip, bank statement or EPF statement. Official pages differ on the number of months of documents required, so follow the current app request or confirm with Wira KAF.

KAF’s published Premium daily limits conflict. Check the limits on this page and confirm your available allowance in-app before a large payment.

Account and savings conditions

Account

Savings Account-i · Qard

Who can apply

Malaysians aged 18 or above. Additional documents may be required for the Premium tier.

Opening & ongoing balance

RM1 initial transfer from another financial institution; no ongoing minimum balance.

Ordinary return

No promised savings return. Hibah is a discretionary gift; historical rates are not a future rate.

Bonus / hibah conditions

Do not compare historical hibah with a guaranteed fixed-deposit return. The bank may choose whether to give hibah.

A RM5,000 daily aggregate limit can matter on rent, transfer or travel days. Check your actual tier before relying on the account for a large payment.

What does it cost to use?

Selected fees, checked 1 October 2026. Check waiver dates and the ATM network you use.

Physical card issuance

RM12, currently waived.

Annual card fee

RM12, currently waived.

Replacement

RM12 for fraud/lost/stolen card replacement.

Selected account fees

RM20 closure within three months; e-statements free.

Dormancy

RM10 annually on dormant balances of RM10+ until exhausted or up to seven years. Below RM10, remaining funds become a fee and the account closes.

Domestic ATM / cash out

Sources conflictVisa ATM fee: schedule says RM0; card FAQ says RM5. Confirm before withdrawing.

Overseas ATM

Visa: RM5 promotional fee; end date not stated. ATM operator fees may apply.

Foreign-currency card purchases

Up to 1.2%, plus Visa conversion and any additional Visa fees.

Payments, limits and cash deposits

Check your billers, payment limits and cash-deposit route before moving salary or bills.

DuitNow transfer / QR

YesTransfers and merchant/personal QR.

Debit card

YesVirtual/physical Visa Debit Card-i.

JomPAY

Ask the bankAsk whether the bank supports your JomPAY biller.

Scheduled payments

Ask the bankAsk about scheduling transfers to other bank accounts.

Direct debit

Ask the bankConfirm that your biller can collect by direct debit.

Payment limits

Sources conflictConsolidated schedule: Basic Plus RM5,000/day and RM20,000/month; Premium RM50,000/day and RM200,000/month, shared across transfers, QR, cards and withdrawals. The Premium FAQ gives a conflicting daily limit. Confirm your allowance in-app before a large payment.

ATM / card limits

ATM default RM3,000/day; maximum RM10,000 or remaining account-tier allowance, whichever is lower.

Physical cash deposits

Ask the bankAsk KAF to identify an available cash-deposit provider and location. Its general terms mention authorised providers without naming a service.

Before making it your everyday account

1. Check whether the app shows Basic Plus or Premium before planning payments.
2. Add up transfers, QR, card spending and cash withdrawals, then compare both daily and monthly allowance.
3. Request a tier upgrade before the day you need it; do not assume immediate approval.
4. Ask Wira KAF to resolve the RM0 versus RM5 local Visa ATM fee before regular withdrawals.

Use the full changeover checklist and keep a working payment route while testing.

Help without app access

KAF Digital Bank

General service
Wira KAF advertises 24/7 support. Hotline and official WhatsApp work outside the banking app.

+603 8744 3331

General enquiries only: hello@kaf.com.my

Official WhatsApp: +6012 473 8744

Fraud / lost access
Report suspected fraud immediately through the hotline or official WhatsApp; request that the affected access be secured.

Formal complaints
Wira KAF / Customer Support. Call or use official WhatsApp to register an account-specific complaint and request its reference and a secure written follow-up route. Secure in-app messaging is another option when available. +603 8744 3331 Official complaint route.

Contact without app login

Use the hotline or official WhatsApp for recovery, balances and disputes. The service charter restricts general email to non-account enquiries. Ask for a secure route before sending documents.

Official contact page
Customer Service Charter · effective 1 November 2025
Contact details checked 1 October 2026

For a specific problem, use the account-access, transfer or card and ATM guide.

Borrowing from this bank

Compare financing eligibility and costs, including eligibility, costs and questions to settle before accepting credit. A savings account does not guarantee borrowing approval.

Before applying

Account disclosure, fees, transaction tiers and support checked. Historical hibah is deliberately excluded from headline rate comparisons.

Account approval depends on the bank’s checks. See Compare Banks for alternatives and PIDM protection for deposit limits.

Visit the bank’s official website