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 will receive your e-invoice via email on the 7th of every month for the previous month’s transactions, starting from July 2025. For example, the e-invoice for January is sent on 7th February.
How to open it: The PDF is password-protected. To open it, you will need to enter a password:
- Retail (individual) customers enter the last 6-digits of your MyKad number.
- Business customers enter the last six digits of your company's Tax Identification Number (TIN).
What each column means
Each transaction for the month is recorded on the e-invoice, as seen in the example image below. 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're experiencing any issues with your e-invoice such as not receiving it, being unable to open it, needing a copy of a previous month’s invoice, or wanting to dispute any details, please reach out to us for assistance. Once your request has been received, our support team will contact you.