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.

ML Wallet App Services #

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Send Money #

Send Money for FREE with ML Wallet’s Wallet to Wallet service! (starting February 2021)! You can also perform Kwarta Padala to anybody, 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!   

Cash In #

Cash into your own account for FREE by visiting the nearest M Lhuillier branch or Add Money to your bank account through ML Wallet’s bank partners!

Please see the list of bank partners below.   

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!

Cash Out #

Withdraw up to PHP 40,000** per day from any of the 3,000 M Lhuillier branches nationwide. You may also transfer to your bank account through ML Wallet's bank partners!

Buy Items #

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

Other Features #

Aside from these services, users can track their 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.

What is new on this version (Android 11.0.45 & Apple IOS 11.0.38) #

  • Improved user experience across the interface.

  • Removal of the Wallet ID, all transactions now reference mobile numbers only.

  • AI driven verification for most common government ID's.

  • QR Scanning for ML Branch Cash-In and Cash-Out.

Known Issues (to be fixed on the next version) #

  • ML Shop requires users to log in again. Fix ongoing.

  • Balance may need a (pull-down) refresh after a recently completed transaction to show the correct balance. Does not affect the true balance.

  • QR for the wallet-to-wallet under development.

  • The profile picture cannot be edited.

  • Push notifications not fully working.

  • Branch Locator under further development

  • Internet speed low indicator, not working.

Frequently Asked Questions #

The new ML Wallet 11 system is designed with robust customer security features. This requires us to enforce a one-mobile no. per user policy, as required by law. If you have another existing ML Wallet account that needs merging to the account you are logged into, tap the "Add Another Account" link underneath the balance, on the home page.

You will be required to login to the other account you are trying to merge. You need to enter the username and password of the old account. You may also choose to input your old ML Wallet number instead if you prefer. You will be sent an OTP (one-time-PIN) on the mobile number listed on the other account. Once successful, the balance of the account you are currently logged into.

You can merge multiple accounts. However, you can only merge the same old account, once.

Yes, you may. The branch-verified Tier has the same transaction limits as the Fully-verified Tier completed online.

Daily limits reset at midnight. Monthly limits reset at midnight on the first day of the month.

For Personal Accounts, there is limit of one account per person. However, you may register a second business account with the same account details, using a different mobile number. There are documentary requirements to open a Business Account. Please contact mlwallet@mlhuillier.com to apply for a Business Account.

Yes, you may. For your security, we will need to verify that the owner of the account is initiating the change. Navigate to "Support" on the left side menu, and select "Change your Mobile Number" after entering your details. A customer service representative will reach out and may request more information to prove ownership of this account.

This is done to ensure that unauthorized persons cannot have access to your account if your device and/or number are compromised or stolen.

Yes, you may. For your security, we will need to verify that the owner of the account is initiating the change. Navigate to "Support" on the left side menu, and select "Change Account Details / Personal Information" after entering your current details. A customer service representative will reach out and may request more information to prove ownership of this account. This is done to ensure that unauthorized persons cannot have access to your account if your device and/or number is compromised or stolen.

Generally, this takes 1-2 banking days. But it may take longer depending on the bank. Transactions after banking hours are processed the next banking day. Please note that bank holidays, weekends, and natural disasters will affect processing time.

  • Asia United Bank

  • Banco de Oro

  • BDO Network Bank

  • BPI Family

  • Bank of Commerce

  • BPI

  • Chinabank

  • Chinabank Savings

  • Citibank

  • Chinatrust Bank

  • DBP

  • Eastwest Bank

  • HSBC

  • Landbank

  • Maybank

  • Metrobank

  • PBCom

  • PNB

  • PSBank

  • RCBC

  • Robinsons Bank

  • Sterling Bank

  • Security Bank

  • Unionbank

  • UCPB

  1. AUB Online/Cash Payment

  2. Bank of Commerce Online

  3. BDO ATM

  4. BDO Cash Deposit/Cash Payment

  5. BDO Network Bank (formerly ONB) Cash Dep

  6. BPI Online

  7. Chinabank Cash Payment

  8. Chinabank Online Bills Payment

  9. Dragonpay Prepaid Credits

  10. Eastwest Online/Cash Payment

  11. i2i Rural Banks

  12. Instapay using any bank (New)

  13. Landbank ATM Onlne

  14. Landbank Cash Payment

  15. Maybank Online Banking

  16. PESONet from any bank/ewallet (New)

  17. PNB Cash Payment

  18. PNB Internet Banking Bills Payment

  19. PSBank Online

  20. RCBC ATM/Cash Payment

  21. RCBC Online Banking

  22. RobinsonsBank Cash Payment

  23. RobinsonsBank Online Bills Payment

  24. Security Bank Cash Payment

  25. UCPB ATM/Cash Payment

  26. UCPB Connect/Mobile

  27. Unionbank Cash Payment

  28. Unionbank Online Banking

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

Send Money for FREE with ML Wallet’s Wallet to Wallet service! (starting February 2021)! You can also perform Kwarta Padala to anybody, 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!

Cash In

Cash into your own account for FREE by visiting the nearest M Lhuillier branch or Add Money to your bank account through ML Wallet’s bank partners!

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!

Cash Out

Withdraw up to PHP 40,000** per day from any of the 3,000 M Lhuillier branches nationwide. You may also transfer to your bank account through ML Wallet's bank partners!

Buy Items

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

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