MPay review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
MPay suits people in Macau who want a prepaid card with a low monthly cost and quick bank payouts, and who mostly hold the local currency. The monthly fee is MOP 8, and transfers reach a bank account within Within 30 minutes.
Key facts
- Best for
- A prepaid card for everyday spending in Macau with quick payouts to a local bank account.
- Monthly fee
- MOP 8↗
- Currencies
- 1↗
- Transfer fee
- MPay transfer to bank free within the annual quota (MOP 10,000 level 3A, MOP 30,000 level 3B), then 0.30% for 3A and 0.25% for 3B↗
- Legal entity
- Macau Pass S.A.↗
- Headquarters
- Macao↗
- Founded
- 2007↗
- Support channels
- Phone, Email, Help-centre↗
- Audience
- Travelers, Students
- Official website
- macaupass.com
Money transfer
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- WikidataWikipediafacebook.com
Pros and cons
Pros
- Monthly fee of MOP 8 for the card, against a site median of €0
- Transfers to a bank account are free within the annual quota, so MOP 0 is the starting cost
- Delivery of Within 30 minutes suits anyone sending money on short notice
- Support runs on phone, email and help centre, including a help centre
Cons
- Only a single currency is supported, with 1 in total, so currency conversion is not the point of the account
- Cash pickup and wallet are not among the payout methods, since bank lists a bank account only
- The card carries a monthly fee of MOP 8 where bunq charges €0
Who it suits
- People living in Macau who spend and get paid in the local currency
- Travellers passing through Macau who need a card and quick bank payouts
- Students in Macau who want a prepaid card with a low monthly cost
Who should look elsewhere
- Anyone who needs several currencies in one account, where bunq is the stronger pick
- Pixpay FR fans who would rather hold a euro account with a monthly fee of €3.99
- People who want to receive money by card or cash, since bank lists a bank account only
Fees and FX
The card carries a monthly fee of MOP 8. Transfers from MPay to a bank account are free within the annual quota at both account levels, and after that quota is used a small percentage applies to each transfer, so the fee starts at MOP 0. Payouts run to a bank account with no other payout method listed.
How MPay compares
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 8.0
8.8 vs 8.9
8.8 vs 9.1
8.8 vs 9.2
8.8 vs 8.7The bunq Spain account holds a monthly fee of €0 and suits readers who bank in Spain.
8.8 vs 8.7
8.8 vs 8.7A euro account with a monthly fee of €3.99 fits readers who spend outside Macau rather than a pataca-only card.
8.8 vs 9.0
8.8 vs 8.7
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.9- 8.8 vs 8.9
8.8 vs 8.7
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.4
8.8 vs 8.3
8.8 vs 8.2
8.8 vs 8.1- 8.8 vs 8.1
8.8 vs 8.0
8.8 vs 8.0
8.8 vs 8.0
8.8 vs 9.1
Where MPay is available
- Available
- China, Hong Kong, Macao
- Licence in Macao
- Macao SAR Government (financial licence for a non-bank financial institution), checked September 26, 2026
- Licence in Macao
- Macau Monetary Authority (AMCM), checked September 26, 2026
- Licence in China
- People's Bank of China, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does MPay cost to hold each month?+
The prepaid card carries a monthly fee of MOP 8. That sits above the site median of €0 and the upper quartile of €0, though it is well under the highest monthly fee on the site at €449.
Is the transfer to a bank account free?+
Yes. A transfer from MPay to a bank account is free within the annual quota, and the fee starts at MOP 0. Once the quota is used, a percentage is charged on each transfer and the level determines the rate.
How fast does money arrive?+
Delivery is Within 30 minutes, so a transfer to a bank account lands well inside a typical working day. That speed suits travellers who need funds quickly after arrival in Macau.
What currencies can I hold?+
MPay works in a single currency, 1 in total, which puts it at the bottom of the site range where the median is 5. It suits single-market spending rather than anyone holding several currencies at once.
Who runs MPay and where is it based?+
MPay is run by Macau Pass S.A., based in Macao and founded in 2007. It is aimed at travelers and student, so it is built for travellers and students in Macau rather than a broader international customer base.
How do I get the money out?+
Payouts go to a bank account, and bank is the only method listed. A bank transfer is the standard way to move money out of MPay into an account you can spend or save from.
How do I get help?+
Support runs on phone, email and help centre, which includes phone, email and a help centre. That mix is common on the site, where 79.5% and 86.1% cover most brands.
Who is MPay built for?+
The account targets travelers and student, so travellers and students in Macau are the natural fit. Anyone who needs a euro or multi-currency account is better served by bunq, which charges €0 and holds more currencies.
Sources
- macaupass.com checked September 26, 2026
Backs: Support channels
“24-hour customer service hotline (+853) 2872 7688 (24-hour service); enquiry email info@macaupass.com; three Macau Pass customer service centres”
- macaupass.com/cardfaqs checked September 26, 2026
Backs: Audience, Currencies, Monthly fee
“Macau Pass is an electronic payment system with a contactless smart card ... so you can enjoy a convenient, time-saving and easy payment experience when travelling in Macau; personalised Macau Pass...”
- macaupass.com/company checked September 26, 2026
Backs: Founded, Headquarters, Licences
“2007 - launched the first Macau Pass card, with card issuance exceeding 130,000 cards”
- macaupass.com/MPayfaqs checked September 26, 2026
Backs: Delivery time, Legal entity, Payout methods, Transfer fee, Fee to send 1,000
“How long does it take to transfer the MPay wallet balance out to a bank? It is generally completed within 30 minutes.”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Related by the facts
MPay
A prepaid card for everyday spending in Macau with quick payouts to a local bank account.