MM2H Fixed Deposit Requirements
2026-10-30
MM2H Fixed Deposit 2026: Required Amounts and Withdrawal Rules
How Much Fixed Deposit Is Required for Malaysia MM2H?
One of the most important financial requirements of the Malaysia My Second Home (MM2H) programme is placing a fixed deposit (FD) with an eligible Malaysian financial institution.
The required amount depends on the applicant’s selected MM2H category and age.
1. MM2H Fixed Deposit by Category
Silver – USD 150,000
Gold – USD 500,000
Platinum – USD 1,000,000
SEZ / SFZ (Age 21-49) – USD65,000
SEZ / SFZ (Age 50+) – USD32,000
2. Where Must the Fixed Deposit Be Placed?
The fixed deposit must be placed with a Malaysian financial institution licensed under the Financial Services Act 2013 or Islamic Financial Services Act 2013.
Applicants should follow the official banking arrangements and documentation requirements.
3. Can MM2H Participants Withdraw Their Fixed Deposit?
Yes. MM2H participants may withdraw up to 50% of their principal fixed deposit for approved purposes.
Permitted purposes include:
- Residential property purchases in Malaysia.
- Education expenses.
- Medical and healthcare expenses.
- Tourism-related activities in Malaysia.
The withdrawal is subject to the applicable programme conditions, timing and supporting documents.
Applicants should confirm the permitted withdrawal timing with their licensed operator and the authorities before making financial arrangements.
4. What Is the MM2H Participation Fee?
The one-time participation fees are:
Silver – RM1,000
Gold – RM3,000
Platinum – RM200,000
SEZ / SFZ – RM1,000
A separate processing fee for the principal applicant and for each dependant also applies under the published programme guidelines.
5. Is the Fixed Deposit the Total Cost of MM2H?
No. The fixed deposit is only one part of the financial commitment.
Other costs may include:
- Participation fees.
- Processing fees.
- Visa-related charges.
- Medical examination fees.
- Insurance, where applicable.
- Property purchase costs.
- Legal fees and applicable taxes.
6. What Should Applicants Consider?
Applicants should assess their available funds, financial commitments and intended property purchase before choosing an MM2H category.
The fixed deposit should not be treated as freely accessible savings because withdrawals are restricted by programme conditions.
Frequently Asked Questions
1. Is the MM2H fixed deposit refundable?
The fixed deposit is a banking deposit subject to the programme’s lien and withdrawal conditions. Its release and handling upon termination or other circumstances should be confirmed with the bank and relevant authorities.
2. Can I use my fixed deposit to buy property?
Yes. Up to 50% may be withdrawn for approved residential property purchases, subject to the programme requirements.
3. Do all MM2H categories have the same fixed deposit?
No. The amount ranges from USD32,000 to USD1 million, depending on the category and age.
Plan Your MM2H Financial Commitment
Understanding the fixed deposit requirements before applying can help you plan your finances more effectively.
Contact our team to learn more about MM2H financial commitments and qualifying residential property options in Malaysia.