No interest
It’s your own money
Not a loan and not debt. Just wages you’ve already earned, available before payday.
FOR EMPLOYEESYour salary,
Your salary,
on your schedule.
Life doesn’t always wait for payday. Access the wages you’ve already earned, when you need them. No loans. No interest.
- Approved TSP
- Employment Act 2022 aligned
- Zero payroll disruption
- Not a loan. No interest.
It’s Your Money.
Just a Little Sooner.
Simple, dignified, and built around the days you’ve already worked.
Your choice
Flexible and fast
Choose how much you need and how quickly it arrives: Normal, Fast, or Instant.
Peace of mind
No high-interest debt
One less reason to turn to informal lenders or credit cards when money runs short.
Three Steps. Under a Minute.
Once your HR team switches on mesraGaji, your earned wages are a few taps away.
Your money, before payday.
Log in to mesraHR.
Open the mesraHR app you already use for leave and claims, and head to mesraGaji. Your earned balance is waiting.
Choose your amount and speed.
Pick how much you need, up to your available limit. Then choose Normal, Fast, or Instant transfer.
The money arrives.
Funds go straight to your registered bank account. The amount is simply deducted from your next salary.
Earned, or When You Need a Little More
Everyday flexibility from wages you’ve earned, plus emergency options if your employer offers them.
Earned Access
Wages from the days you’ve already worked, before payday.
What to know:
Emergency · This Month
The rest of this month’s salary, early, when something urgent comes up.
What to know:
Emergency · Next Month
A little of next month’s salary, available from the 1st of the month.
What to know:
Emergency access is set up and approved by your employer.
Choose When the Money Arrives
Every withdrawal goes straight to your registered bank account. You’ll always see any fee before you confirm.
Free · RM0
Normal
Within 2 working daysA standard bank transfer for when there’s no rush. Reliable, simple, and free.
Small feePopular
Fast
Within 2 hoursMoney lands the same day, while the workday is still on.
Small fee
Instant
ImmediatelyReal-time disbursement for the moments that can’t wait.
No informal lenders. No credit card interest. When money runs short before payday, the wages you’ve already earned are the kindest place to start. Nothing to repay separately. It simply comes off your next salary.
Read the FAQs
Employee FAQs
Is this a loan?
No. You’re accessing wages you’ve already earned for days you’ve worked. There’s no interest, no credit check, and no debt.
Does it cost me anything?
Earned Access with a Normal transfer is free. Fast and Instant transfers carry a small fee, and so does Emergency Access. You’ll always see the fee before you confirm.
How fast will I get my money?
Normal transfers arrive within 2 working days. Fast transfers arrive within 2 hours, and Instant transfers arrive immediately. You choose each time you withdraw.
Do I need to download a new app?
No. mesraGaji is inside the mesraHR app you already use. Just log in and open mesraGaji.
How much can I withdraw?
Your available balance is based on the days you’ve worked so far this cycle, up to a limit set by your employer. It grows as each working day is completed.
What happens on payday?
The amount you withdrew is deducted from your salary automatically, and you receive the rest as usual. There’s nothing to repay separately.
Can I use Emergency Access?
It depends on your employer. They decide whether Emergency Access is offered and who is eligible. If it’s enabled for you, you’ll see it in the app.
My company doesn’t offer mesraGaji. What can I do?
Let your HR team know. They can learn more on our employer page or contact us directly. There’s no extra payroll cost to offer it.
Can’t find an answer to your question? Ask your HR team
Want mesraGaji at Work?
Tell your HR team.
There’s no extra payroll cost for your company. Share our employer page with them, or send us a message and we’ll reach out.