GX Bank
GX Bank is a digital bank / neobank issued on Mastercard, rated 6.0/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
GX Bank is the strongest fit for streaming and app store / play, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | GX Bank · Digital Bank / Neobank |
| Official site | https://www.gxbank.my |
| Best for | Streaming · App Store / Play |
| Network | Mastercard |
| Rating | 6.0/10 (3.0★, 341 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | RM12 (waived if RM1,000 avg balance for 30 days) |
| Monthly / annual fee | 0 (no annual fee) |
| FX / conversion fee | 1.2% |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
Funding and limits
| Cards per account | 1 virtual |
Billing
| Billing country | Malaysia |
Platform compatibility
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
What the issuer states on its own site
- RM8 instant cashback when you add RM88 or more to your GX Account via the app.
- Up to RM29.40 (6x RM4.90) GrabUnlimited subscription cashback when you link your GX Account on Grab.
Source: https://www.gxbank.my.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 552284 | Mastercard | Malaysia | Debit | 233 | 165 | 70.8% |
We logged 165 cleared charges out of 233 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Other Mastercard virtual cards
Frequently asked
What does GX Bank cost to run?
The cost lines stack like this: issuing it costs RM12 (waived if RM1,000 avg balance for 30 days); the recurring charge is 0 (no annual fee); conversion is priced at 1.2%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for GX Bank?
GX Bank asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
Which billing address does GX Bank need?
Setting it up: cards are issued against Malaysia; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does GX Bank work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
How many cards can I open with GX Bank?
The issuer allows 1 virtual. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.