For everyday life in Malaysia
Know where
your money
goes. Save for
what matters.
Track your spending, split bills with friends, and save towards something you’re looking forward to.
A little more clarity. A little more possibility.
For the bills. The little treats.
And the plans you haven’t made yet.
Spent this month
RM 1,860.00
Illustrative monthly budget
01 / Your spending
Less “where did
it all go?”
Lunch here. Groceries there. See the little things and the big bills together, so your month makes a little more sense.
Organise your expenses into Needs, Wants and Future with a 50/30/20 budget. Start with a plan, then make it your own.
Get to know your spending02 / Receipts and claims
Keep the receipt.
Skip the typing.
A quick photo, or the PDF e-receipt from Grab, Shopee or an online bill, gets the details into your app. Check the amount, choose a category, and get on with your day.
Paid for something for work? Mark it as Business. It stays out of your budget, and a claim report is ready to send when you are.
Make your next receipt countNew expense
Lunch with friends
RM 24.00
Check the details before saving.
Illustrative receipt and review
Supper crew
Mamak Corner
RM 56.00
Nisha isn’t on the app yet. Only your RM 14.00 counts in your budget.
Illustrative group split
03 / Split
Split the bill,
not the friendship.
Scan the receipt once. Everyone sees their share, and only your share counts in your budget.
Friends not on the app yet? Add them by name. When they join through your invite link, they can claim their share.
Split your next billIllustrative shared savings goal
04 / Something to look forward to
Save in your own bank.
Track it here.
A weekend away. A car deposit. A bit of breathing room. Give your savings a name, log what you’ve set aside, and keep the streak going.
Planning something together? Create a group goal and invite your friends. Everyone sees who added what, and each person’s money stays in their own bank.
Find your starting pointYour next little milestone
What are you
saving for?
You don’t need to have it all figured out. Start with a number and see what a little each month could do. Keep the money wherever you bank.
A simple planning estimate, with no interest or investment growth included. Your pace is yours to change.
Coming soon
Kopi Kewangan Savings,
powered by Maybank.
3.4% p.a. Interest added daily on what you save.
Not open yet. Sign up today, choose Notify me on your Home screen, and you’ll hear when it opens.
Indicative rate. Final rate set at launch.
Get notifiedKopi Kewangan Savings
3.4% p.a.
Indicative rate. Final rate set at launch. Illustrative card.
Not live yet
How it works
Start small.
Make yourself at home.
- 01
Say hello.
Sign up with your email. Enter your one-time code, and you’re in.
- 02
Plan your month.
Set a 50/30/20 budget. Add spends as they happen, or scan the receipt and let the app do the typing.
- 03
Start a goal.
Name something you’re saving for. Log what you set aside in your own bank, and watch it add up.
Our story
Money is part of life.
It shouldn’t take over.
There’s the rent to pay. Friends to catch up with. A family to think about. And somewhere in between, the things you want for yourself.
Kopi Kewangan brings your whole month into one place: what you spend, what you split with friends, what you claim back from work, and what you save. Built around everyday life in Malaysia, with room for the way you actually live.
A little clarity goes a long way.What can I do with Kopi Kewangan?
Track your spending against a 50/30/20 budget, scan paper receipts and PDF e-receipts, split bills with friends, keep work spends in Business with a claim report, and save towards goals in your own bank, on your own or with friends.
What is the 50/30/20 budget?
It’s a starting point for dividing your income: 50% for Needs, 30% for Wants and 20% for Future. Kopi Kewangan helps you see your spending in these buckets, and you can adjust your budget to suit your circumstances.
Do I need to download an app?
You can get started in your browser. On a supported phone, you can also add Kopi Kewangan to your home screen for easier access.
How do I sign in?
Use a one-time code sent to your email. You can also set up a passkey on a supported device to sign in with Face ID or your fingerprint.
Where is my money kept?
In your own bank account, where it is today. Kopi Kewangan doesn’t hold your money. When you set something aside for a goal, log it in the app and your progress updates.
Can I split bills with friends who aren’t on the app?
Yes. Add them by name when you create the group. When they join later through your invite link, they can claim their name and everything already split with it.
How do group savings goals work?
Create a group goal and invite friends with a link. Everyone can see the group’s progress and who added what, while each person’s money stays in their own bank.
Is it free?
Yes. Kopi Kewangan is free to use.
Is my money protected?
Kopi Kewangan Savings isn’t live yet. Until it is, your money stays in your own bank, under your bank’s terms. The final terms for Savings, including the rate, will be published at launch.
Is Kopi Kewangan a bank?
No. Kopi Kewangan is a financial technology product powered by Cerdas Capital Sdn Bhd. Read our terms of service for details about the product and its services.
For your everyday. And your someday.
Your next chapter.
One ringgit at a time.
Know where you stand. Make room for what’s next.
Get started