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It’s Just 1 Sen—But Is It Legal? Malaysians Question Rounding Up Practice For Cashless Payment

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A shopper is crying foul after being charged RM14 for something that costs RM13.99—because of a mysterious one sen “rounding” fee when paying by cashless at a popular mini-market chain.

Threads user vodoo2k shared a receipt showing a purchase of Moccona Kopi Klasik 50g priced at RM13.99, with a “Rounding Adjustment” of RM0.01 added, bringing the total to RM14.

“I would understand if I’m paying cash, but using an e-wallet? Boleh jer charged RM13.99 kan?? Ke camner?” the user wrote, tagging the mini-market in the post.

The receipt, dated 30 January, shows that the transaction was paid with a Visa card.

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Just 1 Sen? ‘It Adds Up,’ Say Concerned Shoppers

The post has drawn mixed reactions, with people questioning whether the practice is legal for electronic payments.

One commenter asked: “If it’s like this, can we report to KPDN (Domestic Trade and Cost of Living Ministry)? It seems worthless at 1 sen, but when you think about the case of stealing 1 sen from banks, it adds up.”

The reference appears to be about cases where small amounts, when multiplied across thousands of transactions, can add up to significant sums.

However, others defended the practice, saying it aligns with Bank Negara Malaysia’s (BNM) rounding policy.

Meanwhile, others claimed the practice extends beyond the mini-market chain, suggesting this isn’t an isolated incident but a recurring complaint among Malaysian shoppers.

What Are The Actual Rules?

Under BNM’s Payment Rounding Mechanism introduced in 2007, cash transactions are rounded to the nearest 5 sen to eliminate the need for 1-sen coins.

The rounding rules are:

  • 1 sen and 2 sen round down to 0 sen
  • 3 sen and 4 sen round up to 5 sen
  • 6 sen and 7 sen round down to 5 sen
  • 8 sen and 9 sen round up to 10 sen

While BNM’s rounding mechanism document refers to “over-the-counter payments” and specifically mentions reducing demand for 1-sen coins, it does not explicitly state “cash only”, though the context strongly suggests it was intended for physical currency transactions.

Given the context at that time “over-the-counter” typically referred to in-person transactions at a counter or cashier, predominantly involving cash payments.

Shoppers who believe they have been incorrectly charged can:

  • Request clarification from the retailer at the point of sale
  • File a complaint with the KPDN
  • Report the matter to BNM if it involves payment system violations
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It’s Just 1 Sen—But Is It Legal? Malaysians Question Rounding Up Practice For Cashless Payment
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