80th India Independence Day Campaign: RM8.00 Flat Fee Terms and Conditions

1. Campaign Period

  1. 1.1   This Campaign is organized by LuLu Money Malaysia Sdn Bhd (“the Company”) and shall
    run strictly on 15 August 2026 from 00:00 MYT to 23:59 MYT (“Campaign Period”).

2. Eligibility Criteria

  1. 2.1 This Campaign is open to all registered and identity-verified (KYC/CDD completed) users of the LuLu Money Malaysia mobile application, including both New Customers and Existing Customers.
  2. 2.2 For the purpose of this Campaign:
    1. 2.2.1 “New Customer” means an eligible customer who has not completed any successful outward remittance transaction through the LuLu Money Malaysia mobile application before 00:00 MYT on 15 August 2026.
    2. 2.2.2 “Existing Customer” means an eligible customer who has completed at least one successful outward remittance transaction through the LuLu Money Malaysia mobile application before 00:00 MYT on 15 August 2026.
  3. 2.3 Corridor & Payout Currency: This Campaign applies to only to India corridor and INR payout currency. Availability remains subject to regulatory restrictions, sanctions controls, service-partner availability, and the Company’s compliance requirements.

3. Campaign Mechanics and Minimum Amount

  1. 3.1 To qualify for the promotional fee structures, a transaction via LuLu Money Malaysia Mobile Application must meet all of the following criteria:
  2. 3.2 Minimum Remittance Amount: The principal send amount must be at least Ringgit Malaysia Five Hundred (RM500.00) in a single transaction.
  3. 3.3 Qualified transactions will enjoy the following promotional transfer fee structures:
    1. 3.3.1 New Customers:
      1. 1st Transaction during the Campaign Period: 100% Waiver on transfer fees (“Free”).
      2. Subsequent Transactions during the Campaign Period: A flat promotional transfer fee of Ringgit Malaysia Eight (RM8.00).
    2. 3.3.2 Existing Customers
      1. All Transactions during the Campaign Period: A flat promotional transfer fee of Ringgit Malaysia Eight (RM8.00).
  4. 3.4 There is no cap on the total number of transactions a customer can perform at the RM8.00 flat promotional fee rate within the Campaign Period, provided each transaction meets the RM500 minimum requirement.

4. Exclusions and Limitations

  1. 4.1 This promotion applies strictly to the LuLu Money App remittance transfer fee. It does not apply to, rebate, or guarantee the foreign currency exchange rates, which fluctuate according to market conditions at the time of transaction execution.
  2. 4.2 Cancelled, rejected, reissued, refunded, or failed remittance orders will not count as a qualified transaction.
  3. 4.3 This Campaign cannot be combined with any other promotional codes, vouchers, or referral incentives. New customers are strictly limited to a maximum of one (1) free transfer under the standing Free First Transfer promotion. Subsequent transactions during the Campaign Period will incur the promotional fee of RM8.00. Outside the Campaign Period, standard fees apply.

5. Regulatory Compliance & Financial Crime Controls

  1. 5.1 This Campaign and all transactions conducted under it are subject to the Money Services Business Act 2011, the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001, applicable Bank Negara Malaysia policy documents, and all other applicable laws and regulatory requirements.
  2. 5.2 Transactions remain subject to standard statutory limits and the Company’s internal risk management ceilings.
  3. 5.3 The Company may delay, decline, reject or cancel a transaction, or disqualify a customer from the Campaign, where reasonably required for fraud prevention, customer verification, sanctions screening, AML/CFT/CPF compliance, regulatory compliance, or enforcement of these Terms and Conditions. The Company may be unable to disclose the reason where disclosure is prohibited by law.
  4. 5.4 All qualifying transactions remain subject to the Organizer’s verification, compliance checks, transaction limits, customer due diligence, transaction screening, and any other applicable regulatory or internal requirements.

6. Data Protection

  1. 6.1 By participating, users acknowledge that their personal data will be processed for administering the Campaign, verifying eligibility, processing transactions, preventing fraud and complying with legal and regulatory obligations, in accordance with the Company’s Privacy Notice and the Personal Data Protection Act 2010.

7. General Provisions

  1. 7.1 The Company reserves the right, with reasonable prior notice, to amend, extend, or terminate the Campaign if mandated by regulatory directives from Bank Negara Malaysia.
  2. 7.2 The Company may amend, suspend, extend or terminate the Campaign where reasonably necessary due to regulatory requirements, fraud, system disruption, circumstances beyond its reasonable control or other material operational reasons. Reasonable notice will be provided through the mobile application or the Company’s official communication channels. Changes will not unfairly affect qualifying transactions completed before the effective time of the change.
  3. 7.3 These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia.

Frequently Asked Questions


The Campaign runs on 15 August 2026, from 00:00 MYT to 23:59 MYT, and is open to all registered and identity-verified (KYC/CDD) users on the LuLu Money Malaysia app sending money to India, with payouts in INR.


Each transaction must be at least RM500. If you’re a new customer, your 1st transfer is free, and every transfer after that during the Campaign Period is just RM8.00 flat. If you’re an existing customer, every transfer during the Campaign Period is just RM8.00 flat, with no cap on how many transfers you can make.


This promo covers the remittance transfer fee only, not the exchange rate, and it cannot be combined with other vouchers or promo codes. Cancelled or failed transfers won’t count towards the promotion.