MANY are generally not bothered to read the terms and conditions of the Touch ‘n Go card because these are just too much legalese for them. Most just accept the terms and conditions because they need the card to get around on the tolled roads and rail networks.
In fact, Touch ‘N Go Sdn Bhd has been allowed to operate as a monopoly for so long it’s now time for toll highway/expressway operators to allow other modes of payment like Visa payWAVE, Samsung Pay and Apple Pay.
Customers, especially people with more than one vehicle, are advised to reduce the number of Touch ‘n Go cards they hold. To avoid unexpected payment disruption on the road, it is wise to keep only one card under the current terms for the following reasons:
1. Touch ‘n Go will deactivate the card if there is no transaction within 12 months. So, if you have more than one card, you could easily lose track of the time.
2. If you are at the toll booth with an expired card, expect to fork out RM10.60 for another card.
3. You are also expected to load your new card with additional funds if you plan to use it on the return journey.
4. Even if you have some money in the expired card, you can’t use it on the spot. The balance cannot be transferred to the new card. It can only be transferred to your bank account after 30 days. In my case, it took more than 30 days.
5. Finally, you will be slapped with a dormant fee, which will escalate according to the period of deactivation. For example, after 18 months of deactivation, you will be charged RM10.60, RM16.20 for 24 months, and so on. Hence, be prepared to churn out additional money if your card is deactivated. And yes, you are being penalised for keeping your money with Touch ‘n Go.
The strange thing is, road users are giving money to Touch ‘n Go in advance. If each card holds, on average, a RM10 balance, Touch ‘n Go would easily have more than RM200mil in the bank due to the 20 million cards it reportedly holds. How the company treats this fund, I believe many would be interested to know.
With the implementation of the fully electronic toll system across 21 highways nationwide, more people are being forced to purchase the cards. Hence, it would be welcomed if the relevant authority reviews the current set-up to ensure the terms are reasonable to the public.
Reduce the monopoly situation and accept other payment methods. Allowing more players would also improve the services and remove the unfair terms.