5 Simple Steps to Reload Your Prepaid Phone Credit Using the iRakyat Online App in Malaysia

Are you on the lookout for a hassle-free way to top up your prepaid mobile credit without leaving your home? If you happen to be a Bank Rakyat customer, you’re in luck. You can effortlessly recharge your mobile balance anytime, anywhere with the iRakyat online application. In this guide, we’ll walk you through the process in just 5 straightforward steps.

What Exactly is iRakyat?

iRakyat is the official mobile banking app offered by Bank Rakyat, one of Malaysia’s leading Islamic cooperative banks. This user-friendly app provides access to your Bank Rakyat accounts and enables you to carry out a range of banking transactions via your smartphone or tablet. Some of its key features include:

  • Account overview
  • Fund transfers
  • DuitNow transfers
  • QR code scanning
  • Tabung Haji services
  • Bill payments
  • JomPAY
  • Profile maintenance
  • Locator
  • iSecure

You can download the iRakyat app for free from both the Google Play Store and Apple App Store. To get started, you’ll need to register for an iRakyat account using either your Bank Rakyat MyDebit Card-i or Credit Card. For detailed registration instructions, please visit this link or this link.

How to Reload Your Prepaid Credit with iRakyat

Once you’ve successfully registered and logged in to your iRakyat account, here are the 5 simple steps to top up your prepaid phone credit:

Step 1: Navigate to the Payment Section

Begin by tapping on the Payment icon found on the app’s main screen. This will take you to the Payment screen, where you can access various payment options, including bills, zakat, Tabung Haji, and top-up services.

Step 2: Select the Topup Option

On the Payment screen, locate and tap on the Topup icon featured in the top menu. This action will direct you to the Topup screen, where you’ll find various top-up categories, such as mobile prepaid, IDD/STD, and internet.

Step 3: Choose Your Mobile Operator and Amount

On the Topup screen, browse and select your mobile operator from the available list, which includes popular providers like Celcom, Maxis, Digi, U Mobile, and Tune Talk. Next, choose the desired credit amount from the list of available denominations, such as RM5, RM10, RM30, and RM50.

Step 4: Enter Your Mobile Number and Confirm

Moving forward, input the mobile number you wish to recharge, ensuring that it’s accurate and double-checking it before proceeding. After verifying, tap on the Confirm button at the bottom of the screen. This action will take you to the Confirmation screen, displaying key transaction details, including your mobile number, operator, amount, and any applicable fees.

Step 5: Input Your Transaction Authorization Code (TAC) and Complete

On the Confirmation screen, tap on the Request TAC button, situated at the screen’s base. This will trigger the delivery of a Transaction Authorization Code (TAC) to your registered mobile number via SMS. Retrieve the TAC and input it into the designated field. Finally, tap on the Complete button located at the screen’s bottom to finalize your top-up transaction. A confirmation message will be sent to your mobile number upon completion.


With these 5 straightforward steps, you’ve successfully reloaded your prepaid mobile credit using the iRakyat online application in Malaysia. Enjoy uninterrupted mobile services without the hassle of leaving your home. You can also monitor your transaction history and balance directly from your iRakyat account.

Why Choose iRakyat for Top-ups?

Opting for iRakyat for your top-up needs comes with several advantages:

  • Convenience: Reload your prepaid credit anytime and anywhere using your smartphone or tablet. No need to visit a physical store or hunt down a vending machine.
  • Security: Top up securely via your Bank Rakyat account and Transaction Authorization Code (TAC). No need to share your personal or financial information with third parties.
  • Cost-Efficiency: Enjoy top-ups with zero extra charges or fees. You only pay for the credit you use.
  • Rewards: Earn reward points with every top-up transaction made via iRakyat. Redeem these points for various rewards, including vouchers, merchandise, and cashback.

What’s New with iRakyat?

Bank Rakyat continually updates and enhances the iRakyat app to improve user experience. The latest version of the iRakyat app, last updated on August 23, 2023, introduces new features, such as:

  • Scan QR: Now, you can scan QR codes to make payments or transfers within iRakyat. Additionally, you can generate your QR code to receive payments or transfers from others.
  • Tabung Haji: Access your Tabung Haji account and carry out various transactions, including deposits, withdrawals, transfers, and balance inquiries using iRakyat. You can also view your Tabung Haji statement and dividend history.
  • iSecure: Activate iSecure, a security feature that allows you to lock and unlock your iRakyat account using biometric authentication, such as fingerprint or face recognition. You can also set a PIN or password for added security.

For more information about the latest features and updates in iRakyat, please visit this link.


We trust that this guide has provided you with valuable insights into reloading your prepaid phone credit through the iRakyat online application in Malaysia.

Should you have any questions or feedback, don’t hesitate to reach out to Bank Rakyat’s customer service at 1-300-80-5454 or via email at customerservice@bankrakyat.com.my. For additional information, please visit their official website at https://www.irakyat.com.my or follow them on social media platforms like Facebook, Twitter, and Instagram.

Thank you for reading, and happy topping up!

Leave a Comment