Short answer — for Malaysia: use your bank app or a DuitNow-enabled e‑wallet for instant, no‑fee transfers and GrabPay / Boost / TNG eWallet or BigPay for everyday peer payments; use Splitwise (or a similar split‑tracker) to keep group totals and then settle using DuitNow. (knowledge.antom.com)

Why (and when) to pick each:

• DuitNow (bank apps / DuitNow QR / DuitNow Request)

  • Best for instant ringgit transfers between Malaysians, widely supported by banks and e‑wallets and usually free for person‑to‑person transfers. Good when you just want money moved quickly with minimal fuss. (knowledge.antom.com)

• Bank apps (Maybank2u, CIMB, etc.)

  • Good for direct DuitNow transfers or DuitNow QR scanning — no app switching if you already use them. Many banks support DuitNow Request to ask a friend to pay. (knowledge.antom.com)

• E‑wallets (GrabPay, Boost, Touch ’n Go eWallet, BigPay, TrueMoney, etc.)

  • Convenient for small everyday spends (food, transport) and peer transfers; many support DuitNow QR or DuitNow transfers now, so you can move money across banks/e‑wallets quickly. Pick one your friends already use to avoid friction. (wise.com)

• Splitwise (or other split‑tracker apps)

  • Use these to track who owes what across group dinners/trips/roommates. Splitwise handles calculations (equal or unequal splits). Then “Settle Up” by sending money through DuitNow, bank transfer, or an e‑wallet. (Note: Splitwise’s built‑in payment features are US‑centric; in Malaysia you’ll typically export balances and pay via local apps.) (Splitwise.com)

Quick recommendations by use case

• Fast, zero‑fee payback between friends: DuitNow via your bank app or an e‑wallet that supports DuitNow. (knowledge.antom.com)
• Paying at a merchant or scanning QR at dinner: use whichever e‑wallet the merchant accepts (many support DuitNow QR). (knowledge.antom.com)
• Group trips / long‑running IOUs: track in Splitwise (or similar) then settle with bank/DuitNow transfers. (Splitwise.com)

Practical tips

• Ask friends which app they already have — using the same e‑wallet saves time.
• Check daily limits (some e‑wallets/banks limit transfers). (ringgitplus.com)
• Keep a screenshot/receipt of transfers when settling group debts to avoid disputes.

If you want, tell me:

• whether you want only tracking (Splitwise-style) or actual payments inside the app, and
• which banks/e‑wallets you and your friends use — I’ll recommend the easiest exact flow.