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M Lhuillier is among the pioneering non-bank financial institutions that dipped into the world of financial technology. In 2017, the company began its digital transformation journey with the launch of the ML Wallet App.

Using the app, you can send money, pay your bills, buy e-load, and so much more with just a few swipes on your smartphone. It is designed to serve as the online bridge or tulay for Filipinos who do not have easy access to banks and other financial institutions.

As an alternative to M Lhuillier’s physical branch network, the ML Wallet app is a convenient way for people who are always on-the-go or those who live in remote areas to make fast and reliable financial transactions wherever they are at any time of the day. With over 100,000 active users to date, the ML Wallet App is keen to serve more people domestically and soon internationally.

After undergoing a revamp in 2020, the new and improved version of the ML Wallet App now features fresh new upgrades and a cleaner, sleeker look for easier navigation. First-time users can register and set up their online wallet in as short as 5 minutes! And with its in-app verification powered by an Artificial Intelligence (AI) feature, you don’t need to visit an M Lhuillier branch to verify your account. It's that convenient!

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ML Wallet App Services #

Send Money #

You can conveniently transfer funds to another ML Wallet account or any of M Lhuillier’s more than 2,500 branches nationwide. You can also do Remit to Bank transactions through the app.

Pay Bills #

As a one-stop-shop for your financial needs, ML Wallet lets you pay your bills in one nifty app. No need to line up at payment centers. Just pay to M Lhuillier's over 400 partners using your mobile phone.

Buy E-Load #

Need to contact your loved ones but ran out of calls, texts, and data? Good thing you can buy or send e-load using the ever-dependable ML Wallet app anytime, anywhere.

Shop Online (Coming Soon) #

The all-new ML Wallet app also lets you shop for a myriad of pre-loved items like jewelry, mobile phone accessories, and other pawnable goods.

Bank Transfer (Coming Soon) #

Transfer money to and from ML Wallet’s partner banks anywhere you are.

Add money to your e-wallet through your nearest M Lhuillier branch and enjoy quick and hassle-free transactions online. Click here to download the all-new ML Wallet App for free.

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 2,500+ 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 statu

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 2500+ 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.

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 2500+ 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