How to Pay TNB, Indah Water, and Astro Bills with DuitNow QR or JomPAY

Paying your TNB electricity, Indah Water sewerage, and Astro subscription bills through DuitNow QR or JomPAY takes under two minutes and costs nothing extra. Both channels are operated under PayNet, the payment infrastructure company regulated by Bank Negara Malaysia, and they settle instantly across all participating banks and e-wallets.

This guide covers the exact biller codes, step-by-step payment flows, how to set up recurring autopay, and how to avoid the frustrating scenario of paying the same bill twice.

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DuitNow QR vs JomPAY: what is the difference?

Before diving into each biller, it helps to understand when to use each channel.

Feature	DuitNow QR	JomPAY
How you initiate payment	Scan a QR code (on bill, at counter, or in biller app)	Enter a Biller Code + Ref-1 number manually
Where QR codes appear	TNB myTNB app, Indah Water website, some paper bills	Not applicable
Recurring / scheduled payment	Not natively supported	Supported by most banks
Works without a QR code	No	Yes
Real-time settlement	Yes	Yes
Fees	None	None
Supported platforms	Most bank apps and e-wallets	All major bank internet/mobile banking platforms

Use DuitNow QR when you have the biller’s QR code on hand and want the fastest checkout. Use JomPAY when you want to schedule recurring payments, pay without a QR code, or pay through your bank’s bill-payment interface.

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JomPAY biller codes for TNB, Indah Water, and Astro

Every JomPAY biller has a unique four-to-five digit Biller Code. You pair this with a Reference 1 (Ref-1) number, which is almost always your account number printed on the bill. Reference 2 (Ref-2) is optional and varies by biller.

Biller	JomPAY Biller Code	Ref-1	Ref-2
TNB (Tenaga Nasional Berhad)	5454	Your TNB account number (on bill, starts with a letter)	Not required
Indah Water Konsortium (IWK)	68502	Your IWK sewerage account number	Contact number or email (optional)
Astro	9639	Your Astro customer account number	Not required

These codes are standardised across all participating banks. You enter the same Biller Code regardless of whether you bank with Maybank, CIMB, RHB, Hong Leong, Public Bank, or any other JomPAY-participating institution.

Where to find your account number

• TNB: Printed on your paper or e-bill in the top section, labelled “Account No.” It begins with a letter (e.g., A, B, or K) followed by digits.
• IWK: On your IWK bill or statement, labelled “Sewerage Account No.”
• Astro: On your Astro bill or in the myAstro app, under account details.

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How to pay with JomPAY (step by step)

The exact menu names differ slightly between banks, but the flow is the same.

1. Open your bank’s mobile or internet banking app.
2. Go to Pay Bills or Bill Payment, then select JomPAY.
3. Enter the Biller Code (e.g., 5454 for TNB).
4. Enter your Ref-1 (your account number).
5. Enter the payment amount. For monthly bills, enter the exact amount on the bill.
6. Confirm the payment with your PIN, password, or biometric authentication.
7. Save or screenshot the transaction reference number as proof.

Most banks also let you save a biller as a Favourite so you skip steps 3 and 4 on future payments.

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How to pay with DuitNow QR

DuitNow QR is the fastest method if you have the QR code in front of you.

1. Open your banking app or supported e-wallet (Touch ‘n Go eWallet, GrabPay, Boost, and others).
2. Tap Scan QR or Pay.
3. Point your camera at the DuitNow QR code. Valid sources:
   • The QR code printed on your TNB e-bill or paper bill.
   • The QR code generated inside the myTNB app.
   • The QR code at an IWK payment kiosk.
4. The app pre-fills the biller details. Verify the biller name matches (e.g., “Tenaga Nasional Berhad”).
5. Enter the amount if it is not pre-filled.
6. Confirm and authenticate.

Payment is instant. The biller’s system typically updates within minutes, though some billers take up to one business day to reflect the payment in their portal.

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Setting up autopay (recurring JomPAY)

For bills you pay every month, autopay removes the risk of a late payment and cuts manual effort. Most Malaysian banks support JomPAY recurring payments through internet banking (the mobile app may not expose this setting, depending on the bank).

General setup steps (varies by bank):

1. Log in to your bank’s internet banking portal on a desktop browser.
2. Go to Bill Payment, then JomPAY or Recurring Payments.
3. Add the biller as a Favourite (required by most banks before setting up recurring).
4. Select Recurring as the payment type.
5. Set the deduction date (e.g., the 5th of each month, a few days before the bill due date).
6. Set the start date and an end date (or leave open-ended).
7. Enter the fixed amount or configure a variable amount if your bank supports it.

Important: fixed-amount autopay for variable bills

TNB, IWK, and Astro bills fluctuate month to month. Most bank autopay systems deduct a fixed amount you set at the time of setup. If your TNB bill jumps from RM180 to RM240 one month, the autopay will still only pay RM180. The shortfall remains outstanding and may attract a late fee.

Best practice: Set the fixed amount slightly above your average bill (e.g., RM250 if your average is RM200). Then review your bill each month and manually top up if there is a shortfall before the due date.

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Avoiding double payments

Double payments are more common than most people realise, especially when switching payment methods or setting up autopay alongside an existing manual routine. Here is how to prevent them.

Common double-payment scenarios

1. Autopay is active and you also pay manually at the counter or via another app on the same billing cycle.
2. Two people in the household pay the same bill independently (common for shared homes).
3. You pay via a bank app AND via the biller’s own app (e.g., myTNB) on the same day.
4. A failed transaction appears to have gone through but the bank retries it automatically.

How to check before paying

• Log in to your bank’s app and check Transaction History for the current month before making any payment.
• Check the biller’s portal (myTNB, myAstro, IWK online) for the current account balance. If it shows zero or credit balance, the bill has already been paid.
• For JomPAY autopay, check the Scheduled Payments or Recurring Payments section in your internet banking to see if a payment is queued for this cycle.

What to do if you double-paid

Contact the biller directly. TNB, IWK, and Astro all have credit-balance policies: overpayments are carried forward to the next billing cycle. There is generally no automatic refund. If you need a cash refund, you must submit a written request to the biller’s customer service team, and the process can take two to four weeks.

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Key takeaways

• TNB Biller Code: 5454, IWK Biller Code: 68502, Astro Biller Code: 9639. These are universal across all JomPAY-participating banks.
• Use DuitNow QR when you have a QR code on hand; use JomPAY for manual entry or recurring autopay.
• Both channels are free, settle instantly, and are regulated under PayNet and Bank Negara Malaysia.
• JomPAY autopay deducts a fixed amount you set. Review it monthly if your bills vary.
• Always check transaction history or the biller’s portal before paying to avoid double payments.
• Overpayments are carried forward as credit, not automatically refunded.

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Frequently asked questions

Q: Can I use a credit card to pay via JomPAY or DuitNow QR? No. Both JomPAY and DuitNow QR debit directly from a bank current or savings account, or from a supported e-wallet balance. Credit card payments to billers like TNB are only possible through the biller’s own payment portal or certain bank bill-payment features that treat credit card payments separately.

Q: Is there a transaction limit for JomPAY? PayNet does not publish a universal cap, but individual banks set their own daily JomPAY limits, which typically range from RM5,000 to RM30,000 per day. Utility bills rarely approach these limits, but you can check your bank’s app or call their helpline if you need to confirm.

Q: How long does it take for a JomPAY or DuitNow QR payment to be reflected on my account with TNB, IWK, or Astro? In most cases, payment is reflected within minutes to a few hours. TNB’s systems generally update same-day. IWK and Astro may take up to one business day. If the payment is not showing after 24 hours, keep the transaction receipt and contact the biller with the JomPAY transaction reference number.

Q: Can I pay multiple TNB accounts with a single JomPAY payment? No. Each TNB account number is a separate Ref-1, so each account requires a separate JomPAY transaction. If you manage multiple properties, save each TNB account as a separate Favourite in your banking app to speed up the process.

Q: Do I need to re-register if I change banks? Your JomPAY biller codes do not change when you change banks. You simply need to re-add your billers and set up any recurring payments in the new bank’s app. There is no central JomPAY profile tied to your NRIC that transfers automatically.

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Related guides

• Understanding open finance and digital payments in Malaysia
• Free interbank transfers in Malaysia: Instant Transfer, DuitNow, and IBFT explained
• Digital banks and e-wallets in Malaysia: what has changed