About Us

    SMJ Teratai is part of the Teratai Group of Companies with a paid up capital of more than RM12 million and is one of the 9 companies in Malaysia carrying the CLASS “A & D” MSB license to carry out money remittance services in accordance to the Exchange Control Act 1953.
    Advanced FINTECH technology innovation, value added services and innovative business channels has made SMJ one of the remittance operator of choice amongst immigrants, foreign workers and expatriates in Malaysia. SMJ has extended its client base to include not just individual clients, but to corporate clients as well such as GLC’s, Multinationals and SMEs.  
     
    SMJ is also one of the founding members of the Malaysian Association of Money Services Business (MAMSB) which represents the money services business nationally.
     
     
    SMJ Teratai operation for more than 30 years
    We are a part of the Teratai Group which have been in operation for more than 30 years
    		 
    		 
     
    SMJ remittance services
    We offer remittance services to more than 80 countries worldwide.
    		 
    		 
     
    SMJ services
    Over the years, we have set new industry standards by delivering excellent services and offering best prices to our customers
    		 
     
     
     

    Our vision Our Vision
    • To Be The Leading Money Services Business Corporation in South East Asia
     

    Our Mission Our Mission
    We strive to:
    • Continually enhance our products, services and standard operation procedures.
    • Diligently provide mutually enriching business prospect for our partners, agents, associates as well as our clients.
    • Persistently provides excellent, convenient and cost-effective services to our valued customers.
    • Build trust and create values to our valued customers
     
     

    Our Core Values
     
    Commitment

    Commitment
    SMJ are committed to serve all our stakeholders in meeting the goal and target that have been set.
    		 
    		 
     
    Aspiration

    Aspiration
    We are aspired to serve the needs of everyone that came in contact with us to ensure none is left behind.
    		 
    		 
     
    Accomplishment

    Accomplishment
    We proud ourselves with the accomplishment of providing the best service and obtaining client’s satisfaction.
    		 
     
     
    Diversity in unity

    Diversity in unity
    We stand united despite of our differences in thought, style, cultures, ethnicity and experience, this make SMJ stands out from the rest among others.
    		 
    		 
     
    Responsibility

    Responsibility
    Everyone in SMJ are trained to be proactive and responsible in executing task assigned to them in line of their duties.
    		 
    		 
     
    Cooperation

    Cooperation
    Cooperation between various stakeholders are vital and crucial to the growth of the business while ensuring and contributing to the ever-expanding society that we are in.