--- title: "Malaysia MM2H Gold requirements 2026: savings $500k+ needed" url: https://settleanywhere.com/countries/malaysia/mm2h-gold/ lang: en updated: 2026-10-11 --- Malaysia · Retire or live on savings # Malaysia MM2H Gold **Savings needed:** $500k+ Malaysia My Second Home (MM2H) Gold First checked against official sources on 11 Oct 2026 [Change log](https://settleanywhere.com/changes/) - **Savings needed:** $500k+ (An investment of at least MYR 1,000,000 (≈ $245,000) · Compulsory purchase of a residence worth RM 1 million or more. Savings of at least $500,000 · Fixed deposit in a licensed Malaysian financial institution. A fee of MYR 3,000 (≈ $730) · One-off participating fee per principal application; no participating fee for dependants. A fee of MYR 5,000 (≈ $1,220) · Processing fee for the principal applicant. A fee of MYR 2,500 (≈ $610) · Processing fee for each dependant. A fee of MYR 3,000 (≈ $730) · Renewal fee for principal and dependants, renewal in 5-year steps after the programme period.) - **Who can apply:** Any passport (Open to eligible foreign individuals from countries that have diplomatic relations with Malaysia.) - **Work:** Yes (Business, investment activities and career opportunities are not allowed under Gold.) - **Spouse work:** Can't work (Spouse; children under 21 (ages 21 to 34 only if unemployed and single in Malaysia); disabled children of any age; parents and parents-in-law. Your spouse or partner may not work in Malaysia on this visa.) - **Tax angle:** Tax relief (Malaysia: exemption for foreign-source income received by resident individuals (1 January 2022 to 31 December 2036): Resident individuals are exempt from tax on foreign-source income received in Malaysia from 1 January 2022 to 31 December 2036, except income from partnership businesses. Income from work performed in Malaysia is taxed at normal resident rates.) ## Key facts MM2H Gold is a retire or live on savings route for Malaysia. Applicants need savings of $500k+. You can work locally. Checked 2026-10-11 against the official source. - **Money needed:** $500k+ - **Government fees:** MYR 3,000 ≈ $730 · +3 more ## Cost, time and long term To apply: 3 government fees listed below; savings to show $500k+. No lawyer or agent fee is included. **Government fees: MYR 3,000 ≈ $730 · +3 more** - MYR 3,000 (≈ $730) One-off participating fee per principal application; no participating fee for dependants. - MYR 5,000 (≈ $1,220) Processing fee for the principal applicant. - MYR 3,000 (≈ $730) Renewal fee for principal and dependants, renewal in 5-year steps after the programme period. - MYR 2,500 (≈ $610) Processing fee for each dependant. **Shown, not spent: $500k+** - $500,000 Fixed deposit in a licensed Malaysian financial institution. **Invested and held: MYR 1M+ ≈ $245k** - MYR 1,000,000 (≈ $245,000) Compulsory purchase of a residence worth RM 1 million or more. **Renewal: Renewable** The MM2H pass is renewable; its validity depends on the validity of your passport. [Ministry of Tourism, Arts and Culture](https://www.mm2h.gov.my/apply/guidelines) **Citizenship: General rule: 10 years of residence** Naturalisation needs residence in Malaysia for at least 10 of the 12 years before applying, including the last 12 months, plus Malay language knowledge, good character and intent to settle permanently. [National Registration Department (JPN), Malaysia](https://www.jpn.gov.my/en/services/citizenship/application-for-citizenship-status-under-article-19-of-the-federal-constitution-aged-21-years-or-above/) **Where to apply: Where to apply** Applications go through a licensed MM2H operator and the One Stop Centre. [Ministry of Tourism, Arts and Culture](https://www.mm2h.gov.my/apply/guidelines) **Presence rules: No minimum stay** Participants aged 25 to 49 must be in Malaysia 90 days a year in total (the principal, spouse and dependants can share this). There is no minimum stay from age 50. [Ministry of Tourism, Arts and Culture](https://www.mm2h.gov.my/category/overview) ## Why this route may not fit Check this before you apply. - Only from age 25 ### What you'll need #### Who can apply - The main applicant is aged 25 or over. #### What you must show - A residence worth MYR 1,000,000 (≈ $245,000) or more must be purchased. - A fixed deposit of USD 500,000 is held in a licensed Malaysian financial institution. - Up to 50% of the principal fixed deposit may be withdrawn after approval for a residence purchase, education, medical care or tourism activities in Malaysia. - The one-off participating fee is MYR 3000 (≈ $730) per principal application; dependants pay no participating fee. - The processing fee is MYR 5000 (≈ $1,220) for the principal applicant and MYR 2500 (≈ $610) for each dependant. - The renewal fee is MYR 3000 (≈ $730) for the principal and dependants, in 5-year steps after the programme period. #### Steps 1. Applications go through an MM2H operator licensed by the Ministry of Tourism, Arts and Culture and the One Stop Centre. 2. The principal and dependants take a medical check-up at a panel clinic after approval. #### After you arrive - Participants aged 25 to 49 must be present 90 cumulative days a year; the principal, spouse and dependants may meet this together. - There is no minimum stay from age 50. - After approval the participant must buy and own a residence. - The residence cannot be sold for 10 years except to upgrade to a higher-value property. ## What happens at day 182 How Malaysia decides tax residence and treats foreign-source income, from its tax records. - **Tax residence:** - **At least 182 days in a calendar year** Tax residence in Malaysia follows presence of 182 days or more. - **At least 182 days in a basis year (calendar year)** Presence in Malaysia of 182 days or more makes an individual resident; fewer than 182 days generally means non-resident. - **Foreign-source income:** **Foreign-source income exempt** Resident individuals are exempt from tax on foreign-source income received in Malaysia from 1 January 2022 to 31 December 2036, except income from partnership businesses. - **Special regime:** **Exemption for foreign-source income received by resident individuals** · Tax relief [All tax rules for Malaysia](https://settleanywhere.com/countries/malaysia/tax/) Tax records checked 10 Oct 2026 **Full official text** Malaysia My Second Home Gold category: renewable multiple-entry pass for foreign nationals who hold a Malaysian fixed deposit, pay a one-off participating fee and buy a residence. (sources 1, 2, 3) #### What you must show and pay - An investment of at least MYR 1,000,000 (≈ $245,000) · Compulsory purchase of a residence worth RM 1 million or more. (source 1) - Savings of at least $500,000 · Fixed deposit in a licensed Malaysian financial institution. (source 1) - A fee of MYR 3,000 (≈ $730) · One-off participating fee per principal application; no participating fee for dependants. (sources 1, 2) - A fee of MYR 5,000 (≈ $1,220) · Processing fee for the principal applicant. (source 2) - A fee of MYR 2,500 (≈ $610) · Processing fee for each dependant. (source 2) - A fee of MYR 3,000 (≈ $730) · Renewal fee for principal and dependants, renewal in 5-year steps after the programme period. (sources 1, 2) #### Requirements - The main applicant is aged 25 or over. (sources 2, 3) - A residence worth MYR 1,000,000 (≈ $245,000) or more must be purchased. (source 1) - A fixed deposit of USD 500,000 is held in a licensed Malaysian financial institution. (source 1) - Up to 50% of the principal fixed deposit may be withdrawn after approval for a residence purchase, education, medical care or tourism activities in Malaysia. (sources 1, 3) - The one-off participating fee is MYR 3000 (≈ $730) per principal application; dependants pay no participating fee. (sources 1, 2) - The processing fee is MYR 5000 (≈ $1,220) for the principal applicant and MYR 2500 (≈ $610) for each dependant. (source 2) - The renewal fee is MYR 3000 (≈ $730) for the principal and dependants, in 5-year steps after the programme period. (sources 1, 2) - Applications go through an MM2H operator licensed by the Ministry of Tourism, Arts and Culture and the One Stop Centre. (source 3) - The principal and dependants take a medical check-up at a panel clinic after approval. (source 3) - Participants aged 25 to 49 must be present 90 cumulative days a year; the principal, spouse and dependants may meet this together. (sources 2, 3, 1) - There is no minimum stay from age 50. (sources 2, 3, 1) - After approval the participant must buy and own a residence. (sources 1, 3) - The residence cannot be sold for 10 years except to upgrade to a higher-value property. (sources 1, 3) #### Stay - MM2H pass valid 15 years with a multiple-entry visa, renewable; pass validity follows passport validity. - Visa validity: 180 months. Validity is the window to use the visa, not the length you may stay. - Renewable, subject to the conditions in force at renewal. #### Nationality Open to eligible foreign individuals from countries that have diplomatic relations with Malaysia. #### Work Business, investment activities and career opportunities are not allowed under Gold. #### Family Spouse; children under 21 (ages 21 to 34 only if unemployed and single in Malaysia); disabled children of any age; parents and parents-in-law. Your spouse or partner may not work in Malaysia on this visa. Checked 2026-10-11 ## Official sources 1. [MM2H Gold Category](https://www.mm2h.gov.my/category/gold) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 2. [MM2H Category Overview and requirements](https://www.mm2h.gov.my/category/overview) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 3. [MM2H Guidelines](https://www.mm2h.gov.my/apply/guidelines) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 4. [Application for citizenship under Article 19 of the Federal Constitution (aged 21 and over)](https://www.jpn.gov.my/en/services/citizenship/application-for-citizenship-status-under-article-19-of-the-federal-constitution-aged-21-years-or-above/) · National Registration Department (JPN), Malaysia · checked 2026-10-11 ## MM2H Gold and its alternatives | Route | Money needed | Stay | Work | | --- | --- | --- | --- | | MM2H Gold | Needs savings of $500k+ | – | Yes | | [MM2H Platinum](https://settleanywhere.com/countries/malaysia/mm2h/) | Needs savings of $1M+ | – | Yes | | [MM2H SEZ](https://settleanywhere.com/countries/malaysia/mm2h-sez/) | Needs savings from $32k | – | Yes | | [MM2H Silver](https://settleanywhere.com/countries/malaysia/mm2h-silver/) | Needs savings of $150k+ | – | Yes | | [LTR · Wealthy Pensioner](https://settleanywhere.com/countries/thailand/ltr-wealthy-pensioner/) Thailand | Needs income of $80k+ a year | 5 yr, renewable | – | ## Questions people ask ### How much money do I need for the MM2H Gold? An investment of at least MYR 1,000,000 (≈ $245,000). Compulsory purchase of a residence worth RM 1 million or more. Savings of at least $500,000. Fixed deposit in a licensed Malaysian financial institution. A fee of MYR 3,000 (≈ $730). One-off participating fee per principal application; no participating fee for dependants. A fee of MYR 5,000 (≈ $1,220). Processing fee for the principal applicant. ### How long can I stay on the MM2H Gold? MM2H pass valid 15 years with a multiple-entry visa, renewable; pass validity follows passport validity. ### Can I work on the MM2H Gold? Yes. Business, investment activities and career opportunities are not allowed under Gold. ### Can I bring my family on the MM2H Gold? Spouse; children under 21 (ages 21 to 34 only if unemployed and single in Malaysia); disabled children of any age; parents and parents-in-law. ### Is there a tax break for MM2H Gold holders in Malaysia? Malaysia: exemption for foreign-source income received by resident individuals (1 January 2022 to 31 December 2036): Resident individuals are exempt from tax on foreign-source income received in Malaysia from 1 January 2022 to 31 December 2036, except income from partnership businesses. It's separate from the visa and has its own conditions. ## Tax Special regime ### [Malaysia: exemption for foreign-source income received by resident individuals (1 January 2022 to 31 December 2036)](https://settleanywhere.com/countries/malaysia/tax/#tax-my-foreign-income-exemption-through-2036) Tax relief Foreign-source income: Foreign-source income exempt **Details** Resident individuals are exempt from tax on foreign-source income received in Malaysia from 1 January 2022 to 31 December 2036, except income from partnership businesses. Income from work performed in Malaysia is taxed at normal resident rates. #### Taxed on Foreign-source income received in Malaysia by an individual tax resident; Malaysian-source income (including pay for work exercised in Malaysia) is taxed under normal resident rates. #### Who it applies to - The individual is a Malaysian tax resident for the basis year, normally present 182 days or more. - The income arises outside Malaysia and is received in Malaysia by the individual. - The income is not partnership business income. #### Exclusions - Income from work exercised in Malaysia is Malaysian-source whoever pays it and is taxed under the resident scale rates. - Partnership business income is outside the individual exemption. #### Days in the country - At least 182 days in calendar year · Resident for tax in Malaysia if present 182 days or more in the year; linked-year and 90-day tests also exist. #### Tax residence Residence follows physical presence of 182 days or more in the basis year; linked-year and 90-day tests also exist. #### Visas No visa grants this exemption; it applies to any tax-resident individual. MM2H separately states a tax exemption on foreign funds and income. #### Other taxes Sales and service tax, employee contributions and withholding tax are separate. Checked against official sources on 10 Oct 2026 [Change log](https://settleanywhere.com/changes/) [Full page →](https://settleanywhere.com/countries/malaysia/tax/) ## More in Malaysia [DE Rantau nomad pass](https://settleanywhere.com/countries/malaysia/de-rantau/) [Premium Visa (PVIP)](https://settleanywhere.com/countries/malaysia/pvip/) [Employment Pass](https://settleanywhere.com/countries/malaysia/employment-pass/) [Expert visit pass](https://settleanywhere.com/countries/malaysia/pvp-expert/) [Professional Visit Pass](https://settleanywhere.com/countries/malaysia/professional-visit-pass/) [Temporary employment pass](https://settleanywhere.com/countries/malaysia/visitor-pass-temporary-employment/) [Student pass](https://settleanywhere.com/countries/malaysia/student-pass-route/) [Residence Pass-Talent](https://settleanywhere.com/countries/malaysia/rp-t/) ## Retirement and live-on-savings visas elsewhere [🇯🇵 Long-stay visitor (JPY 30M)](https://settleanywhere.com/countries/japan/designated-activities-long-stay/) [🇮🇩 Retirement visa](https://settleanywhere.com/countries/indonesia/e33e-retirement/) [🇦🇪 Retirement visa](https://settleanywhere.com/countries/united-arab-emirates/retirement-visa/) [🇵🇭 SRRV Classic](https://settleanywhere.com/countries/philippines/srrv/) [🇰🇭 Retirement extension (ER)](https://settleanywhere.com/countries/cambodia/er-retirement-extension/) [🇳🇵 Residential visa · no business](https://settleanywhere.com/countries/nepal/residential-visa-no-business/) ≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated. ## How this was checked **Checked on 2026-10-11 against 4 official sources.** Status: verified against the official sources. Every figure on this page comes from the official source it links to. The record was researched against these sources, then reviewed separately, with special attention to effective dates and amendments. Where a source does not state something, the page leaves it out. 1. [MM2H Gold Category](https://www.mm2h.gov.my/category/gold) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 2. [MM2H Category Overview and requirements](https://www.mm2h.gov.my/category/overview) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 3. [MM2H Guidelines](https://www.mm2h.gov.my/apply/guidelines) · Ministry of Tourism, Arts and Culture · checked 2026-10-10 4. [Application for citizenship under Article 19 of the Federal Constitution (aged 21 and over)](https://www.jpn.gov.my/en/services/citizenship/application-for-citizenship-status-under-article-19-of-the-federal-constitution-aged-21-years-or-above/) · National Registration Department (JPN), Malaysia · checked 2026-10-11 Tracked since 2026-10-10. Rule changes and corrections are listed on the [changes page](https://settleanywhere.com/changes/), and the [methodology page](https://settleanywhere.com/methodology/) explains how facts are checked. Found something out of date? Email [contact@stayglobe.app](mailto:contact@stayglobe.app?subject=Correction) with a link to the official source.