MLW Logo 2

In 2017, M Lhuillier began its digital transformation journey with the launch of the ML Wallet App. The ML Wallet App is M. Lhuillier’s official mobile application that allows users to access send money, pay bills, buy load and more online using a smartphone. The App was designed to serve as the online bridge or tulay for Filipinos who do not have access to banks and other financial institutions. ML Wallet also gives users automatic access to M Lhuillier’s 3,000-physical branch network which aims to improve over-all customer experience especially in the new normal.

The ML Wallet App is available for free in Google Play Store, Apple App Store and Huawei App Gallery.

MLW Melai

ML Wallet App Services #

Send Money #

Send Money for FREE with ML Wallet’s Wallet to Wallet service (starting February 2021)! You can also perform Kwarta Padala or Wallet to Bank* anytime, anywhere.

Buy eLoad #

Easily buy or send load to your friends and family with just a few taps on your smartphone!

Pay Bills #

Quickly pay your bills to over 300 partners nationwide from a number of categories including Utilities, Insurance, Loans and more!   

Add Money #

Cash in to your own account for FREE by visiting the nearest M Lhuillier branch or Add Money through ML Wallet’s partner banks*!  

Receive Money #

No time to visit an M Lhuillier branch to get your Kwarta Padala? Receive up to PHP 50,000.00** per transaction through your ML Wallet. Simply type the required Receive Money details after logging in!

Withdraw Money #

Withdraw up to PHP 40,000** per day from any of the 3,000 M Lhuillier branches nationwide. Find the nearest ML branch by clicking the Branch Locator in the App!

Buy Items* #

Find the best prices and shop pre-loved jewelry, mobile phone accessories and other pawnable items in the ML Shop!   

*Coming soon **for Fully Verified users only

Aside from these services, users can track your finances with ML Wallet’s upgraded Transaction History feature, find the nearest M Lhuillier branch with an in-App Branch Locator and check the latest Kwarta Padala rates anytime, anywhere.

Frequently Asked Questions #

The ML Wallet App is M Lhuillier’s official mobile application that allows users to send and receive money, buy eload, pay bills and shop online using a smartphone.

The ML Wallet App is available for FREE in Google Play Store, Apple App Store and Huawei App Gallery.

With the ML Wallet App, you can perform the following services:

Send Money

Conveniently perform any of ML Wallet’s Send Money options: Wallet to Wallet, Kwarta Padala or Wallet to Bank* anytime, anywhere.

Buy eLoad

Easily buy or send load to your friends and family with just a few taps on your smartphone.

Pay Bills

Quickly pay your bills to over 400 partners nationwide from a number of categories including Utilities, Insurance, Loans and more!

Add Money

Cash in by visiting the nearest M Lhuillier branch or add money through ML Wallet’s partner banks.

Receive Money

No time to visit an M Lhuillier branch to get your Kwarta Padala? Receive up to PHP 40,000.00** per transaction through your ML Wallet. Simply type the required Receive Money details after logging in!

Withdraw Money

Withdraw up to PHP 40,000** per day from any of the 2,600+ M Lhuillier branches nationwide. Find the nearest ML branch by clicking the Branch Locator in the App!

Buy Items*

Find the best prices and shop pre-loved jewelry, mobile phone accessories and other pawnable items in the ML Shop!

*Coming soon **for fully verified users only

Aside from these services, you can track your finances with ML Wallet’s upgraded Transaction History feature, find the nearest M Lhuillier branch with an in-App Branch Locator and check the latest Kwarta Padala rates anytime, anywhere.

Step 1: Download the ML Wallet App in Google Play Store, Apple App Store or Huawei App Gallery.

Step 2: Open the ML Wallet App once installed and click “Create Account” at the bottom of the home page.

Step 3: Fill in your desired Username, Password and 6-digit transaction PIN. Click “Submit” to proceed.

Step 4: Fill in the mandatory details for Personal Information step. Make sure to review the information entered. Click “Next” to proceed.

Step 5: Fill in the mandatory details for Address step. Click “Next” to proceed.

Step 6: For the first part of the Identification step, prepare one valid ID from the list of accepted IDs. Position the chosen ID within the frame then take a picture. Click “Next” to proceed.

Step 7: Take a live photo or a selfie for the final part of the Identification step. Click “Next” to proceed.

Step 8: For the Security step, please select and provide answers to three security questions. Click “Next” to proceed.

Step 9: Review and double check if the information is correct and accurate. Click “Next” to proceed.

Step 10: For the Verification step, please enter your mobile number to generate your One-Time PIN (OTP) and wait for an SMS confirmation. Enter the code to authenticate your device. 

That’s it! You are now a registered ML Wallet user.*

*Users who will undergo ML Wallet’s manual verification will be updated within 48 hours regarding their verification status.

Updating your profile is required to further enhance the security of your ML Wallet account.

Prepare one government-issued ID for automatic full verification of your account.

Here are some tips:

  • Check if your internet connection is stable.

  • Take a picture of your ID in a well-lighted area.

  • Make sure the picture is not blurry.

  • Double check if the ID type chosen is the same as the ID type uploaded.

Here are some tips:

  • Check if your internet connection is stable.

  • Make sure you take a selfie in a well-lighted area.

  • Make sure you’re not wearing glasses, face shield or any facial accessory.

  • Make sure your whole face is in the frame.

ML Wallet offers two verification levels, semi-verified and fully verified. A verification level determines your wallet size and transaction limits. See chart below for more details:

Semi-verifiedFully Verified*SME
Add MoneyPHP 40,000PHP 200,000 with a Php 50,000.00 limit per transactionCOMING SOON
Withdraw MoneyPHP 5,000 per dayPHP 200,000 with a Php 40,000.00 limit per transaction
Send MoneyPHP 10,000 per monthPHP 200,000 with a Php 50,000.00 limit per transaction
Receive MoneyPHP 40,000PHP 200,000 with a Php 50,000.00 limit per transaction
Pay BillsPHP 10,000 per monthPHP 200,000 with a Php 50,000.00 limit per transaction
Buy LoadPHP 750 per monthPHP 1,500 per month
Buy ItemsPHP 10,000 per monthPHP 200,000

Follow the steps below to upgrade to fully verified status in-App:

Step 1: Open ML Wallet App and log in.

Step 2: Click “My Account”.

Step 3: Tap My Profile and click “Get Fully Verified Now!”

Step 4: Upload one government-issued ID and take a Live Photo (selfie).

Visit any of the 2600+ M Lhuillier branches nationwide to add money to your ML Wallet account. You can either present your Add Money QR Code or fill up the ML Kwarta Padala Form.

Open ML Wallet and log in. Click the Send Money icon and choose a Send Money service. Fill up necessary fields with correct information. Make sure to review all the details in Review Transaction step before proceeding.

Open ML Wallet and log in. Click the Receive Money icon and fill up necessary fields with correct information. Make sure to review all the details in Review Transaction step before proceeding.

Open ML Wallet and log in. Click the Withdraw Money icon and enter amount to be withdrawn. Make sure to review all the details in Review Transaction step before proceeding.

Open ML Wallet and log in. Click the Pay Bills icon and select a biller category. Add biller and fill up necessary fields with correct information. Make sure to review all the details in Review Transaction step before proceeding.

Open ML Wallet and log in. Click the Buy eLoad icon and select or add a receiver. Choose a network then enter the mobile number and load amount or promo. Make sure to review all the details in Review Transaction step before proceeding.

You cannot cancel ML Wallet transactions. Make sure to review all the details in Review Transaction step before proceeding to avoid erroneous transactions.

Some ML Wallet services are free, some have fees. See table below for the breakdown:

MLW Fees

Starting March 2021, Withdraw Money will incur a minimal 0.5% charge until you reach the monthly limit of Php 20,000 total Withdraw Money transactions.

After reaching this limit, a charge of 1% will be applied each time you withdraw. The charge will be deducted automatically from your ML Wallet account after each successful transaction. Similar to when you withdraw more than PHP 100,000 for the month, a charge of 1.5% will be applied each time you withdraw.

The limit refreshes on the first day of each month. You can withdraw money for up to Php 20,000 for a minimal charge of 0.5% of the total amount per month.

Here is an example:

March

March 18, 2021 — You withdrew Php 10,000.00. This is your first Withdraw Money for March. 

Level 1 Monthly Limit 20,000.00
Withdraw Money (March. 18, 2021)10,000.00
Total Withdraw Money Transactions for March10,000.00
Is the total Withdraw Money amount more than the Level 1 Monthly Limit?NO
Amount ABOVE Level 1 Monthly Limit0.00
Charges (0.5%)50.00
Total Amount Deducted in MLW Account10,050.00

March 25, 2021 — You withdrew Php 15,000.00. This is your 2nd Withdraw Money for March. 

Level 1 Monthly Limit 20,000.00
Withdraw Money (March. 25, 2021) 15,000.00
Total Withdraw Money Transactions for March 25,000.00 (March. 6 + March. 25 txns)
Is the total Withdraw Money amount more than the Level 1 Monthly Limit? YES
Amount Remaining of the Level 1 Monthly Limit 10,000.00
Charges (0.5%)50.00
Amount ABOVE the Level 1 Monthly Limit 5,000.00
Charges (1%)50.00
Total Amount Deducted in MLW Account 15,100.00

*Why is the fee suddenly 1% for the remaining Php 5,000.00? Only the amount above the PHP 20,000 limit/month, PHP 5,000, is subject to the 1% service fee.

Computing fees for Add Money has the same logic as the Withdraw Money computation.   

Please keep your devices secure. Do not share your sensitive personal information, Username, Password or 6-digit PIN to anyone.

ML Wallet ensures the protection and safety of your account through the following:

  • Three-Factor Authentication Process

  • Account lock-in after five failed password attempts.

  • Five-minute idle time that logs out the ML Wallet Account automatically.

You can visit any of the 2600+ M Lhuillier branches nationwide to claim your money. Don’t forget to bring one valid ID before visiting the branch.

Yes, but you will be notified via text message and e-mail every time you access your ML Wallet account in a different device.

Internet connection is required for users to access and use the ML Wallet App.

Immediately call ML Customer Care for temporary deactivation of your account. See contact details in FAQ #5 of Troubleshooting.

Immediately ML Customer Care for temporary deactivation of your account. See contact details in FAQ #5 of Troubleshooting.

You can reset your password by clicking “Forgot Password” in ML Wallet’s log-in page. You may also contact ML Customer Care to reset your password. See contact details in FAQ #5 of Troubleshooting.

You can reset your Transaction PIN by clicking “Forgot PIN” on any of the validation steps before proceeding with ML Wallet transactions. You may also contact ML Customer Care to reset your PIN. See contact details in FAQ #5 of Troubleshooting.

Please contact the following Customer Care Hotlines:

Toll Free Number

1-800-105-723-252

Telephone Numbers

(032) 348-9400

(02) 8898-1888

Mobile Numbers

SMART +63 947-999-0337

+63 947-999-2721

+63 947-999-0522

GLOBE +63 917-871-2973

Email Address

customercare@mlhuillier.com