---
title: Wallet
slug: wallet
docTags: 
createdAt: 2026-05-07T23:43:15.176Z
---

Your **REMMU Wallet** holds three types of balance: cash you've topped up, commission earned from the [Affiliate Program](docId\:i-Dbq7qQuqRN7bc-LNIQZ), and locked REMMU credits convertible from your withdrawable balance.

Go to **Account → Wallet**.

:::hint{type="info"}
This is your REMMU account wallet. For the wallet your academy's members have with you (refunds, referral rewards, top-ups, paying invoices), see [Member Wallet](docId\:BXYV3oE8DMPUp1HyYUtcl).
:::

***

## 💼 Wallet balances

The wallet card shows three balances side-by-side:

| Balance           | What it is                                             | What you can do with it                                    |
| ----------------- | ------------------------------------------------------ | ---------------------------------------------------------- |
| **Total**         | Your full wallet value (withdrawable + locked credits) | Reference total                                            |
| **Withdrawable**  | Cash from top-ups + affiliate commission               | Withdraw to bank, or convert to REMMU credits with a bonus |
| **REMMU Credits** | Locked credits — once converted, can't be cashed out   | Apply to your REMMU subscription invoices automatically    |

Three buttons let you take action:

- **Top up** — add cash to your withdrawable balance
- **Withdraw** — request a bank transfer (disabled if balance below minimum or a withdrawal is already pending)
- **Convert to credits** — convert withdrawable balance to REMMU credits, with a bonus

***

## ⬆️ Topping up

Add cash to your wallet by submitting a top-up request:

1. Click **Top up**
2. Enter the amount (minimum **RM 50**)
3. Select payment method — currently **Bank Transfer** only
4. Optionally enter your bank reference and notes
5. Optionally upload payment proof (JPG, PNG, WEBP, or PDF, max 5 MB)
6. Submit

Your top-up appears under **Top-ups** with a **Pending** status. Once the REMMU team verifies the bank transfer, the status changes to **Approved** and the amount is credited to your withdrawable balance.

:::hint{type="info"}
Only one pending top-up at a time. Wait for admin approval before submitting another.
:::

***

## ⬇️ Withdrawing to your bank

Request a payout to your bank account:

1. Click **Withdraw**
2. Enter the amount (minimum **RM 50**, max = your withdrawable balance)
3. Enter your bank details — bank name, account number, account holder name
4. Submit

Withdrawals appear under the **Withdrawals** tab with their status:

| Status        | Meaning                                      |
| ------------- | -------------------------------------------- |
| **Requested** | Awaiting admin review                        |
| **Approved**  | Approved — bank transfer being processed     |
| **Paid**      | Transfer complete — payment reference shown  |
| **Rejected**  | Cannot be processed — rejection reason shown |

:::hint{type="info"}
Only one pending withdrawal at a time.
:::

***

## 🔄 Converting to REMMU credits

Convert withdrawable balance into REMMU credits and get a **bonus** (typically 20%) on top.

1. Click **Convert to credits**
2. Enter the amount you want to convert
3. The dialog shows the breakdown — for example, RM 100 → +RM 20 bonus → RM 120 credits
4. Tick the acknowledgement checkbox
5. Confirm

REMMU Credits can only be spent on your REMMU subscription invoices. They are applied automatically before the next charge — if the credit fully covers a recurring invoice, it's settled automatically with no payment needed from you.

:::hint{type="warning"}
**Conversion is final.** Once converted, the amount can no longer be withdrawn back to cash. Only convert what you're sure you'll spend on REMMU.
:::

***

## 📋 Activity

The wallet has three tabs showing your history:

| Tab              | Contents                                                                                                    |
| ---------------- | ----------------------------------------------------------------------------------------------------------- |
| **Transactions** | All wallet movements — top-ups in, withdrawals out, commission earned, conversions, applied credits         |
| **Top-ups**      | Top-up requests with status (pending / approved / rejected) and bank reference                              |
| **Withdrawals**  | Withdrawal requests with status, masked bank account, payment reference, and rejection reason if applicable |

Each transaction shows whether it's withdrawable or locked credits via a small badge.