As part of Malaysia’s regulatory requirements, Luno sends retail and business customers in Malaysia a monthly e-invoice PDF, containing your transactions for the past month.
How the e-invoice PDF works
What it is: The attached PDF you receive contains a list of all the types of transactions you made in the previous month, along with totals and taxes. It also includes a QR code that you can scan to verify that the e-invoice is valid.
When you get it: You should receive your e-invoice via email within the first 2 weeks of the month for the previous month’s transactions, starting from July 2025. For example, the e-invoice for January is sent in February.
How to open it: The PDF is password-protected. To open it, you will need to enter a password:
- If you're an individual customer, enter the last 6-characters of the Identity Card number you used to register your Luno account (for example: MyKAD, Passport, or Residence Permit)
- If you're a business customer, enter the last 6-characters of your Tax Identification Number (TIN).
Example: if your Identity Card Number is 12345-00-6789 then the password is 006789.
What each column means
Each transaction for the month is recorded on the e-invoice. When Luno earns a fee on a transaction, that fee includes an 8% Services Tax (SST) where applicable. All these amounts are included in the e-invoice.
- Description: The recorded transaction that took place.
- Transaction amount: The amount that was transacted in MYR
- Fee excluding tax: The fee on the transaction (in MYR) excluding the Services Tax (SST) portion of 8%.
- Tax amount: The 8% Services Tax (SST) portion of the total fee, where SST is applicable.
- Fee amount: The total fee the customer paid to Luno, which includes the 8% SST where applicable.
Each column also has a Total, adding up the total fee and tax amounts for the whole month.
I’m having trouble with my e-invoice
If you are experiencing any issues with your e-invoice, such as not receiving it, being unable to download it, or needing to dispute any details, please contact us for assistance.
For copies of the previous month's e-invoices, please check the e-invoice section of your app first, as all backdated e-invoices are available there before reaching out to us.
Note
Monthly e-invoices are generated only for months in which you had account transactions. If a month appears to be skipped in your e-invoice history, it means that you had no account activity during that month. For example, if you saw an August e-invoice followed by an October e-invoice, that would indicate you had no account activity during September, so no e-invoice was generated.
How to download your e-invoice in the Luno app
- Sign in to your Luno app
- Select your initials in the top left-hand corner of the app
- Select E-invoice
- Choose the month you want to download and select the download option
Your e-invoice will download as a PDF file.