ShopeePay has rolled out a new feature called Money+, an in-app investment option that's meant to feel more like a daily-use wallet feature than a "serious investing platform." You can access it from the ShopeePay app (and it also shows up through the main Shopee platform), and the entry point is intentionally low: you can start from RM10.

The pitch is simple: instead of leaving money sitting there doing nothing, Money+ lets you place it into a Shariah-compliant fund that aims to generate daily returns.

So what is Money+ really investing in?

Money+ is built in partnership with iFAST Capital and uses the Eastspring Investments Islamic E-Duit Fund, which is a Shariah-compliant money market fund.

Eastspring describes the fund's objective as providing liquidity and return, and notes that this specific fund is only available for subscription via ShopeePay. In other words, Money+ isn't you picking stocks inside Shopee. It's more like placing money into a managed, Shariah-compliant cash-style investment product designed for accessibility and everyday flexibility.

Who can use it in Malaysia?

Money+ is available to Malaysian citizens aged 18 and above, and you'll need to activate ShopeePay eWallet via eKYC (identity verification) before you can use it.

The "everyday use" angle: can you still spend it?

One of the reasons this is getting attention is because ShopeePay is positioning Money+ as an investment feature that doesn't lock your money away. ShopeePay says you can access your Money+ balance instantly for spending, including payments via DuitNow QR, and you can also withdraw funds at any time.

That makes it feel more like a "park cash here while it earns" feature rather than a long-term investment account with friction and waiting periods.

How "daily returns" works, including weekends and public holidays

ShopeePay's own help notes explain the timing clearly: returns accrue daily, including weekends and public holidays, but the processing and crediting happen on business days. So if returns build up over a weekend or public holiday, you'll typically see them reflected on the next working day.

That detail matters because it prevents the common confusion of "why did I get RM0 today?" when it's simply a non-business day display/credit timing issue.

Launch promo: extra bonus, but only if you keep a minimum balance

To push early adoption, ShopeePay is running a limited-time campaign. The headline conditions being reported are:

If you're writing this up as a blog post, it's worth stating the dates plainly because this part is time-sensitive and readers will ask "is it still ongoing?"

The important fine print: returns aren't guaranteed, and it's not PIDM-protected

This section is the "don't skip" part. ShopeePay highlights that daily returns are not guaranteed and are based on historical fund performance, which may not reflect future results. They also advise users to consider personal goals, circumstances, risk tolerance, and understanding of the product before participating.

They also clarify something many Malaysians associate with financial safety: money placed into Money+ is classified as an investment, not e-money or a bank deposit. That means it is not protected by Perbadanan Insurans Deposit Malaysia (PIDM). PIDM itself explains that it does not protect investments (and also does not protect e-wallet balances). So if your reader assumes "it's in an app, so it's like cash in a bank," this is where the clarification matters.

Why ShopeePay is doing this

From ShopeePay's messaging at launch, Money+ is meant to lower the barrier to investing by making it feel simple, small-ticket, and integrated into something people already use daily. ShopeePay's CEO and partners framed it as a way to help more users start a financial growth journey without needing a big starting amount.

Quick breakdown for readers who just want the summary

Money+ is a Shariah-compliant investment feature in ShopeePay, with RM10 minimum entry. Returns are daily but not guaranteed, because they depend on fund performance. You can still spend via DuitNow QR or withdraw, because it's designed for liquidity and everyday access. Funds in Money+ are investments, not deposits, and are not protected by PIDM.