Frequently Asked Questions

Here are some of the commonly asked questions:

Do I have to pay to use Pod?

No, Pod is free. Yes, like air.

What’s eKYC? Why do I have to do that?

Great question! To keep Pod safe and secure for everyone, we require users to complete an electronic Know Your Customer (eKYC) verification, which requires scanning your IC (MyKad).

Here's why:

  • ⁠One IC, One Account: We only allow one Pod account per IC number. This helps us prevent fraud and protect your identity so no sneaky identity thief can create a duplicate or unauthorized account.

  • Protecting Your Pod Points: Your IC is tied to the rewards and Pod Points you earn. By verifying your identity, we ensure your hard-earned points and rewards go straight to you and no one else!

So yes, the IC scan might feel a little formal, but it’s there to protect your account and your rewards!

Is it safe to scan my IC for eKYC?

Absolutely! Your privacy is a big deal to us.

We use a secure and trusted eKYC vendor for identity verification. Both Pod and our vendor strictly follow the Personal Data Protection Act 2010 (PDPA) to keep your personal information safe and sound.

How do I transfer money into my Pod account?

You can set up weekly auto-savings by creating a direct debit order linking your bank account to Pod and your savings will be performed on a weekly basis automatically. On top of this, you can also save via instant save whenever you would like to save via bank FPX or e-Wallet transfer.

Where is my money stored?

Your money is placed in Pod’s trust account and it is managed by our Trustees, Pacific Trustee Berhad (“Pacific Trustee”) in their account at RHB Bank Berhad.

Who is the Pacific Trustee?

Pacific Trustees is a Securities Commission Malaysia licensed trustee that provides custodial services to Pod (SaphX Technologies Sdn Bhd).

Can I cancel my goal and/or withdraw my money from Pod?

Sure. You can cancel your goal and request your money back anytime with our withdraw button and the money will be back in your bank account in 1-3 business days with Saturday, Sunday, and public holidays excluded. Currently, Pod does not support partial withdrawal.

Can I edit my goals such as the target amount or deadline?

Sorry, once you set up your goal you can’t edit your savings target and deadline. You would have to terminate your current goal by clicking the withdraw button and setting up a new goal afterward.

If you want to track different savings goals, Pod App does allow you to track up to 4 different goals!

After you terminated your goal and if you have savings with Pod, the money will be back in your bank account in 1-3 business days with Saturdays, Sundays, and public holidays excluded.

I have set up direct debit savings but no savings performed

After you set up the direct debit savings, we will need up to 5 working days to receive confirmation of authorization from the bank to start performing the savings. Hence your 1st savings will likely happen 1 week after you set up the direct debit savings order.

I just save via instant save but money is not in my Pod app yet!

This case happened maybe because you have returned to Pod App without properly exiting the banking or e-Wallet site upon completing the transfer. However, do not worry! Please check your Pod App again 1 hour after your transfer and your account should be updated. If you still face the issue, please contact Pod.

Money is not in my Pod app, even though it has been deducted from my bank account via direct debit savings!

Due to bank processing time, it will take 1-2 business day for Pod App to update your savings from direct debit orders. Typically the bank will deduct your money from your account in the morning and Pod will update your savings on Pod App in the evening or late evening time upon receiving the confirmation of the transfer from the bank.

Does Pod work outside of Malaysia?

Unfortunately, Pod is only available in Malaysia for the time being but we will be expanding internationally in the future.

Frequently Asked Questions

Here are some of the commonly asked questions:

How much is the processing fee that Pod charges to borrowers?

Pod App is charging up to 1.5% pa profit rate per month.

How do I repay Pod financing?

There are several ways to repay Pod financing:

  1. For gig workers working with partner platforms – set up salary/earning deductions from your employer.

  2. For other borrowers – you can set up a direct debit from our app to directly deduct the weekly repayments from your bank account or do manual transfers via the app.

What is the penalty for late repayments?

We charge up to 1% per annum on outstanding balances calculated daily.

Who can apply for financing from Pod?

Malaysians above 18 years old can apply for financing from Pod.

Is the financing from Pod Shariah-compliant?

Yes, the financing from Pod is Shariah-compliant in line with commodity murabahah principles and approved by Masryef Advisory.

How long it will take for the fund to be disbursed to my bank account once the financing is approved?

Once the financing agreement is signed the fund will be disbursed in approximately 2 business days.

What is Pod Credit Score?

Pod evaluates the creditworthiness of the borrowers on 3 main metrics:

  1. Consistent savings behavior

  2. Good repayment history

  3. Other positive money habits

How can I improve my Pod credit score?

You can improve your Pod credit score by creating saving goals, making more savings, reading our bite-sized financing literacy content, and answering quizzes on our app.

Do I need to provide any collaterals or guarantors?

No, you don’t need to provide any collaterals or guarantors

Frequently Asked Questions

1.Pod Loyalty Program

What is the Pod Loyalty Program?

The Pod Loyalty Program is a multi-partner (yes, you read it right) rewards system, where you can earn Pod Points by completing eligible activities on the Pod App or participating in eligible activities operated by our business partners. You can then redeem these points for vouchers, rewards, and more!

Great, now how do I sign up for the Pod Loyalty Program?

Once you have registered and successfully created your Pod account, you’re in! No extra steps needed - you’re automatically enrolled in the Pod Loyalty Program. Welcome to the fun and rewards!

I am in! How do I earn Pod Points?

Congratulations on boarding the Pod Loyalty Program! You can start earning Pod Points by:

  • Completing eligible activities on the Pod App.

  • Participating in campaigns or activities operated by our business partners.

Where can I check how many Pod Points I have?

You can check your Pod Points balance and transaction history anytime by visiting your profile page on the Pod App.

What can I do with my Pod Points?

You can turn your Pod Points into valuable rewards! Head over to the Market on the Pod Points page to browse, redeem and enjoy your rewards! As easy as 1,2,3. :) 

Before you redeem your rewards, here is a friendly reminder from Pod:

Hold up, before you hit that redeem button, here are a few things to double-check:

  • Make sure you have enough Pod Points for the reward you want. 

  • Every voucher or reward has its terms and conditions. Give them a quick read so there are no surprises later. 

  • Redemptions are final just like sending a text to your ex, there are no take-backs. So double-check that you are picking the right item! 

  • You will need to enter your passcode to lock in that reward. It is our way of making sure that only you  (and not your sneaky cat or curious toddler) can redeem those hard-earned Pod Points. So keep your passcode safe, your points depend on it! 

  • And just so you know - Pod Points can't be traded for cash or other credit. They're for awesome rewards only! 

Where can I check my redeemed vouchers?

Just head over to the Pod Points page in your Pod app. There, you will find your available active vouchers ready for action and used vouchers chilling in the past vouchers section.

Do Pod Points expire?

Yes. If your account is inactive (i.e., you earn 0 Pod Points) for 24 consecutive months, all your accumulated points will be forfeited. You won’t be able to use your forfeited Pod Points anymore, so don’t let them go to waste, okay? 

What happened after my Pod Points expired?

The bad news is you will not be able to reinstate your forfeited Pod Points. However, you can still earn new Pod Points via eligible activities unless you have deleted your Pod account. So you can start earning Pod Points for delicious rewards again! 

I didn’t receive the points I was promised. I’d like to file a complaint—what should I do?

Don’t worry, we’ve got your back!

If something doesn’t look right with your Pod Points, you have 6 months from the date the points are generated (either in the Pod App or our partner’s system) to raise any disputes, complaints, or investigation requests. Just email us at info@usepod.com, and we’ll take it from there!

For example: If your points were generated on January 1, 2025, you have until July 1, 2025, to let us know. So check your app regularly and let us know ASAP if anything looks odd to you!

How do I keep my account active?

Any activities that earn new Pod Points will keep your account active. As easy as that! This includes earning from Pod App activities or activities operated by our business partners. Point transfers from partner programs do not count as earning Pod Points. 

Can I transfer my Pod Points to someone else?

No, why would you want to do that when you can treat yourself with your Pod Points? Pod Points are non-transferable, so they're all yours to redeem for awesome rewards. Enjoy the perks! 

What's eKYC? Why do I have to do that?

Great question! To keep Pod safe and secure for everyone, we require users to complete an electronic Know Your Customer (eKYC) verification, which requires scanning your IC (MyKad).

Here's why:

  • ⁠One IC, One Account: We only allow one Pod account per IC number. This helps us prevent fraud and protect your identity so no sneaky identity thief can create a duplicate or unauthorized account.

  • Protecting Your Pod Points: Your IC is tied to the rewards and Pod Points you earn. By verifying your identity, we ensure your hard-earned points and rewards go straight to you and no one else!

So yes, the IC scan might feel a little formal, but it’s there to protect your account and your rewards!

Is it safe to provide my IC for eKYC?

Absolutely! Your privacy is a big deal to us.

We use a secure and trusted eKYC vendor for identity verification. Both Pod and our vendor strictly follow the Personal Data Protection Act 2010 (PDPA) to keep your personal information safe and sound.

What happens if I delete my Pod App account?

Deleting your Pod account will result in the permanent loss of all accumulated Pod Points. These cannot be reinstated, even if you create a new account with the same Malaysian Identity Card number. Think twice before you act!

Can the Terms and Conditions of the Loyalty Program change?

Yes. SaphX Technologies Sdn. Bhd. reserves the right to update or change the Terms and Conditions. Don’t worry, we won’t ninja the changes! We will notify you via the Pod App and/or email. Continued use of the Pod App constitutes your acceptance of any updated terms.

Who do I contact if I face issues with a redeemed voucher?

For voucher-specific issues, please refer to the voucher’s brand or provider and contact their customer support. You may also contact Pod support via WhatsApp or email. We will assist to ensure that you enjoy your rewards! 

What’s Pod’s relationship with its Business Partners?

Pod Loyalty Program is a multi-partner loyalty system. We help our business partners in managing the distribution and redemption of Pod Points. For example, when you buy something from one of our partners, you’ll rack up Pod Points! Since you engaged in business activities operated by our business partners, you’ll also be subjected to their terms and conditions (no surprises there!). But hey, more shopping = more Pod Points, so it's a win-win!

2.Financial Literacy

What is the Financial Literacy feature? Are they just articles?

They’re more than just articles! They are equipped with financial knowledge written by experts to help you manage, budget, save, and invest better! And don’t forget the Pod Points that you’ll get from completing the articles and answering the quizzes! You learn, and you get to earn Pod Points!

I saw that it was brought to me by KAF, who is KAF?

KAF Digital Bank is a Malaysian Islamic Digital Bank, and they’re all about making banking smarter, more inclusive, and accessible for everyone!

With KAF Digital Bank, you can enjoy the convenience of 100% digital, Shariah-compliant financial services accessible to every Malaysian. You can easily open a savings account with KAF Digital Bank on your smartphone. Simply download the KAF Digital Bank app via App Store or Google Play Store.

And why is KAF providing the first learning module?

Recognising the critical importance of financial literacy for all Malaysians, especially those in unserved and underserved communities, KAF is proud to bring Bank Negara Malaysia's visionary initiative to life. We firmly believe that a solid grasp of money matters is essential for everyone, and we're dedicated to ensuring every Malaysian experiences a transformative "financial glow-up." To support this journey, we've developed insightful articles that not only boost your financial IQ but also reward your learning with exciting Pod Points.

How do I earn Pod Points through Financial Literacy?

Easy peasy. All you need to do is: 

• Spend some time reading the articles to learn about financial knowledge, and make sure you take your time to understand the topics. When you access the article, you will see a timer. Only when the countdown timer has ended will the article be marked as completed for you to earn Pod points.

• Complete the quizzes designed to test your understanding of the topics. You will be awarded Pod Points automatically upon successful completion of the activities! 

Here's how the article reading works to earn you knowledge and Pod Points:

Simply read each article until the integrated 4-minute timer finishes. Consider it your dedicated time to fully absorb the information, much like letting a face mask work its magic. Once the timer ends, your reading session is complete, and your points will be credited.

Can I leave the article before the timer ends?

Sure, you can sneak out early. But just like baking a cake, if you open the oven too soon, you’ll have to start all over again! To earn your Pod Points, make sure you stay until the countdown timer hits zero.

How do the quizzes work?

Put your brain to the test with a quick quiz! Complete the quizzes and score some shiny Pod Points! You can always do the quiz again for fun, but remember, Pod Points are only up for grabs on your first completion! 

How many Pod Points can I earn from Financial Literacy?

Each article and quiz comes with a specific Pod Point value. You’ll see exactly how many points you can earn right on the article page before you dive in. Learn smart, earn big! It’s the ultimate power combo!

Can I re-read the articles or redo the quizzes?

101% yes! We keep the articles and quizzes accessible even after you’ve completed them! They are always there whenever you need a refresher, just like your favourite snacks. Feel free to revisit them anytime! However, Pod Points are only rewarded the first time you complete them. But don’t worry, we’re always adding fresh content to keep those Pod Points (and your brain cells) rolling! ;)

Why didn’t I receive Pod Points?

Uh-oh, no points? Let's Sherlock this mystery together!

  • Did you leave the article before the timer ended?

  • Were you re-reading an article or re-doing a quiz you've already completed?

  • Or maybe... just maybe... our app had a little hiccup.

  • Have you downloaded and signed up on the KAF Digital Bank app?


If you think something is not quite right on our end, don't worry, we've got your back! Drop us a message on WhatsApp  at +60124656146 or email us at info@usepod.com, and we will sort it out faster than you can say "Pod Points, please!"