Find hidden money
Money that is already yours, just unclaimed. 18 ideas.
Unclaimed money
Unclaimed money (eGUMIS)
eGUMIS (Wang Tak Dituntut, JANM): Search and claim unclaimed money, e.g. dormant accounts.
Unclaimed shares
JANM – Sekuriti Tak Dituntut: Claim sale proceeds/dividends of unclaimed shares from the Accountant General.
EPF nominee & accounts
KWSP – Penamaan: Name a nominee so your EPF savings reach your heirs quickly.
Dormant bank accounts
eGUMIS (Wang Tak Dituntut, JANM): Search and claim unclaimed money, e.g. dormant accounts.
Aid
Semak Kasih (late family policies)
Semak Kasih (LIAM & MTA): Check if a late family member had unclaimed life insurance / family takaful. Free.
Tax
Tax refund & missed reliefs
LHDN / HASiL (bayaran balik cukai): Check your tax refund, and claim reliefs you missed for a bigger refund.
Zakat tax rebate
Rebat cukai zakat/fitrah (LHDN): Zakat/fitrah paid can reduce your income tax.
Rebates & refunds
Toll overcharge refund
Touch 'n Go – Bayaran balik caj berlebihan: Claim back toll overcharges through Touch 'n Go.
Utility rebates (SADE free water)
Skim Air Darul Ehsan (SADE): Free water for Selangor households earning RM6,000 or less.
Road tax (LKM) refund
JPJ – Bayaran balik fi LKM: Sold or cancelled a vehicle? Claim back the unused motor vehicle licence (road tax) fee at a JPJ office.
Car insurance refund after selling
Insurans / takaful motor – bayaran balik premium: Cancel the motor policy after selling the car and get part of the premium back, if no claim was made.
Claim a PTPTN overpayment
PTPTN – Lebihan bayaran balik pinjaman: Finished paying PTPTN? Salary deductions that kept going can leave an overpayment. Move it to your bank through myPTPTN.
MRTT/MRTA surrender value after settling a home loan
MRTT / MRTA – nilai serah balik: Settled or refinanced your home loan? Your MRTT/MRTA certificate may have a surrender value. The amount depends on the certificate.
Claim what you are owed
Consumer Claims Tribunal (TTPM)
Tribunal Tuntutan Pengguna Malaysia (TTPM): Claim money back from a seller or service provider for goods or services you bought, up to RM50,000. The fee is RM5.
Claim unpaid wages (Labour Department)
JTKSM – Tuntutan kes buruh: Unpaid salary, allowances, notice pay, annual leave or overtime? File a labour case at the Labour Office. It is free.
Small Claims Court (up to RM5,000)
Mahkamah Majistret – Tuntutan Kecil: Recover a debt, a rental deposit or an unpaid bill up to RM5,000 without a lawyer, at the Magistrates' Court.
Reward points
Redeem Mesra points for fuel
Setel – Tebus mata Mesra: Turn Mesra points into Setel Wallet funds and use them to pay for fuel. 1 Mesra point = 1 sen.
Inheritance
Small estate distribution
JKPTG – Pembahagian Pusaka Kecil (MyLAND): Heirs can apply online to divide a deceased person's estate (land, house, savings, shares, vehicles) worth up to RM5 million.