ShopeePay Money+ Raya Bonus: 8% p.a. Daily Returns Explained (23 March–23 April 2026)

ShopeePay is running a limited-time Money+ Raya Bonus Campaign offering up to 8% p.a. indicative returns on your Money+ balance, credited daily from 23 March to 23 April 2026 for eligible Malaysian users.

The catch: only the first RM1,000 in Money+ qualifies for the full promo, the underlying fund returns are not guaranteed, and deposits sourced from credit cards or financing products should not be used to invest in Money+.

What Is ShopeePay Money+ Raya Bonus?

The Money+ Raya Bonus Campaign is a temporary upgrade to the usual Money+ promotion, boosting indicative returns from up to 6% p.a. to up to 8% p.a. for a one-month period.

From 23 March 2026 00:00 to 23 April 2026 23:59, users who maintain at least RM150 in Money+ can earn daily returns on their balance, with a promotional bonus applied on the first RM1,000 only.

How Does the 8% p.a. Structure Work?

The “up to 8% p.a.” headline comes from combining the underlying Eastspring Investments Islamic E‑Duit Fund return with a 5% p.a. promotional bonus top up from ShopeePay on the first RM1,000 balance.

The fund return is Shariah-compliant and not guaranteed, while the 5% p.a. bonus is a promotional reward, subject to a campaign budget, first-come-first-served allocation, and daily rounding rules.

Who Can Join the Money+ Raya Campaign?

The campaign is open to Malaysian citizens aged 18 and above with an “Activated” ShopeePay eWallet account that has completed eKYC and Money+ onboarding.

Users with any US indicia (e.g. US citizen, US tax resident, US address or phone number) are not eligible to participate in Money+.

When Are Daily Returns Credited?

ShopeePay credits daily returns (fund + bonus) based on when you top up: before 2 p.m. on a business day gets reflected the same business day by 9 p.m., while after 2 p.m. only shows up the next business day.

Weekends and non-business days still accrue returns in the background, but all of them are batched and reflected on the next business day in your Money+ “Returns” transaction history.

Key Mechanics at a Glance

Example: How Much Can You Earn on RM1,000?

To visualise the promo, imagine the fund is returning 3% p.a. for illustration and you maintain exactly RM1,000 in Money+ throughout the campaign.

Over a full 31-day campaign period at similar conditions, that’s roughly RM6–7 on RM1,000 before any changes in fund performance, bonus budget, or your balance level.

Money+ Raya Bonus: FAQs You Actually Care About

1. Can I top up Money+ using my Maybank Shopee Credit Card?

I tried but cannot.

2. Can I use “S Financing”, instalment plans, or credit card cash advances to top up Money+?

I tried this one too, but cannot.

3. Is it a good idea to use any credit facility to chase the 8% p.a. promo?

Currently, Money+ does not support any top ups made via credit cards or S Financing; only top ups funded with your own cash from supported bank or e‑wallet methods are allowed.

4. What is a safer way to participate in the Money+ Raya promo?

A more prudent approach is to use only spare cash (e.g. from your savings or current account) that you can afford to set aside, keeping your Money+ balance at or slightly above RM150 and up to RM1,000 to fully utilise the bonus cap.

You can move funds into ShopeePay via linked bank accounts or DuitNow transfers, then allocate into Money+ within your personal risk tolerance and liquidity needs—without involving any credit lines in the process.

5. Is the underlying Money+ fund Shariah-compliant?

Yes, the Money+ balance is invested into the Eastspring Investments Islamic E‑Duit Fund, an Islamic money market fund that adheres to Shariah principles and is managed by Eastspring Investments Berhad under the supervision of the Securities Commission Malaysia.

ShopeePay’s marketing content is not reviewed or endorsed by the SC, so investors should still read the fund prospectus and key disclosures before investing.

6. What happens after 23 April 2026?

Once the Raya Bonus campaign ends, the standard Money+ Bonus Campaign resumes, with indicative returns of up to 6% p.a. (fund return plus 3% p.a. bonus) on the first RM1,000, until that campaign’s scheduled end date or cancellation.

Your Money+ balance continues to earn daily returns subject to the then-current promo mechanics, so always re-check the latest FAQ in Shopee’s Help Centre for updated rates and conditions.

Should You Use ShopeePay Money+ Raya Bonus?

For users already active on ShopeePay with spare cash lying idle in low-yield accounts, the Money+ Raya Bonus can be a useful short-term booster on the first RM1,000 while keeping funds fairly liquid.

Just remember that promo returns are capped, not guaranteed, and should be funded only with your own cash—not with credit cards, personal financing, or any borrowed money—if you want the math to work in your favour.

Final Thought

Promotions like ShopeePay Money+ Raya Bonus are great for squeezing extra returns from everyday cash, but the real edge comes from combining them with disciplined cashflow, zero high-interest debt, and clear goals.

Treat this campaign as a tactical boost within your overall money plan, and keep borrowed money out of the picture, so you can enjoy the Raya returns without worrying about credit bills later.

References

• [ShopeePay] Money+ Raya Bonus Campaign FAQ — help.shopee.com.my
• [ShopeePay] Money+ Bonus Campaign FAQ — help.shopee.com.my
• Eastspring Investments Islamic E‑Duit Fund disclosures via Shopee Help Centre.
• Maybank Shopee Visa Platinum Credit Card FAQs and product disclosure sheet.
• ShopeePay and Money+ campaign marketing posts on social media.