Verified 3 October 2026
Malaysia MM2H vs Philippines SRRV: fees and rules
Two routes, side by side. Each name below links to its full requirements page.
- Malaysia My Second Home (MM2H) (Malaysia MM2H)
- MM2H now runs as four categories with fixed deposits set in US dollars: Silver USD 150,000 (5-year pass), Gold USD 500,000 (15 years), Platinum USD 1,000,000 (20 years), and a Forest City-only SEZ/SFZ tier at USD 65,000 for ages 21-49 or USD 32,000 for ages 50 and over (10 years). Every mainland tier now forces a property purchase you cannot sell for 10 years — RM600,000 minimum on Silver, RM1,000,000 on Gold, RM2,000,000 on Platinum — on top of a one-off participating fee of RM1,000 (Silver), RM3,000 (Gold) or RM200,000 (Platinum) and a processing fee of RM5,000 for the principal plus RM2,500 per dependant. Minimum age is 25 for Silver, Gold and Platinum; participants under 50 must be in Malaysia 90 cumulative days a year, while those 50 and over have no minimum stay.
- Special Resident Retiree's Visa (Philippines SRRV)
- The Philippine Retirement Authority offers the SRRV Classic to principal applicants aged 40 and over. Deposits run from USD 15,000 to USD 50,000 depending on age and pension status, and the visa allows an indefinite stay with multiple entry.
| MM2H | SRRV | |
|---|---|---|
| Country | malaysia | philippines |
| Stay per entry | No per-entry limit — the pass carries a Multiple Entry Visa for its whole term. The constraint runs the other way: participants aged 25-49 must be present in Malaysia 90 cumulative days a year (which the principal and/or spouse and dependants can satisfy between them), while participants aged 50 and over have no minimum stay requirement. | Indefinite |
| Total validity | Silver 5 years renewable; Gold 15 years renewable; Platinum 20 years renewable; SEZ/SFZ 10 years renewable. In every case the pass validity is capped by the validity of the participant's passport, and a new passport means renewing the security sticker. | Indefinite while the deposit is maintained |
| Government fee | RM1,000 — One-off participating fee per principal application on the Silver tier (no participating fee for dependants). Higher tiers carry different participating fees, not all of which we have sourced. Separately there is a processing fee of RM5,000 for the principal and RM2,500 for each dependant. Renewal of the Silver pass costs RM1,500 for principal and dependants; within the programme term the sticker renewal carries a visa fee of RM0-RM50 depending on nationality plus a fixed pass fee of RM500 per year. Agent fees are extra and are not government charges. | $1,500 — PRA processing fee for the principal applicant, payable in USD or the peso equivalent. A USD 360 annual fee also applies (principal plus two dependents) |
| Income required | None | None |
| Savings required | None | None |
| Deposit required | $150,000 — Silver tier fixed deposit held in a Malaysian bank licensed under the Financial Services Act 2013 or Islamic Financial Services Act 2013. Gold is USD 500,000, Platinum USD 1,000,000, and the Forest City SEZ/SFZ tier USD 65,000 (ages 21-49) or USD 32,000 (ages 50+). MOTAC encourages the deposit to be placed in MYR at the equivalent of the USD figure, so the ringgit sum you must fund moves with the exchange rate. Up to 50% of the principal may later be withdrawn for a residence, education, medical or tourism spending in Malaysia. | $15,000 — for applicants 50+ with a pension. Four tiers apply: 50+ with pension USD 15,000; 50+ without USD 30,000; aged 40–49 with pension USD 25,000; aged 40–49 without USD 50,000 |
| Minimum age | 25 | 40 |
| Health insurance | Required | Not required |
| Processing time | Not published | Not published by PRA. Bank certification reaches PRA 3-5 banking days after remittance at a private bank, or 7-10 working days at DBP |
| Apply from | Through an MM2H tour operating business licensed by the Ministry of Tourism, Arts and Culture under the Tourism Industry Act 1992. Since 1 October 2025 operators must lodge MM2H business through the online appointment system at mm2h.gov.my/portal. Applications are processed by the One Stop Centre MM2H in Putrajaya, with final immigration approval resting with the Ministry of Home Affairs. | Through the Philippine Retirement Authority. PRA asks for the original passport with a valid tourist visa, and the deposit must be remitted from a bank abroad to a PRA-accredited bank |
Choose the MM2H if
- No Malaysian tax on foreign funds or income, including profit on the Malaysian fixed deposit.
- Participants aged 50 and over have no minimum stay requirement at all, so the pass works as a genuine part-time base.
- Parents and parents-in-law can be brought as dependants, which few Asian long-stay visas allow.
- Up to 50% of the fixed deposit principal can be withdrawn for a residence, education, medical or tourism spending in Malaysia.
- Gold and Platinum passes run 15 and 20 years, far longer than the annually renewed long-stay visas in Thailand or the Philippines.
- Platinum holders may work and run a business in Malaysia.
- Dependent children can study to tertiary level at any government-recognised institution and get a Student Pass automatically.
Choose the SRRV if
- Indefinite residence with unrestricted entry and exit, and no re-entry permits or repeated extension fees.
- Open from age 40, ten years earlier than Thailand's O-A retirement visa.
- No health insurance requirement, in contrast to Thailand's O-A.
Quick answers
- What does each cost, the Malaysia MM2H or the Philippines SRRV?
- The Malaysia MM2H fee on record is RM1,000. The Philippines SRRV fee on record is $1,500. Fees are in each country's own currency or the amount the post quotes, so compare them with that in mind.
- How much money does the Malaysia MM2H need compared with the Philippines SRRV?
- Malaysia MM2H: deposit $150,000. Philippines SRRV: deposit $15,000.
- Which of the Malaysia MM2H and the Philippines SRRV requires health insurance?
- Malaysia MM2H: required. Philippines SRRV: not required.
- How long can I stay on the Malaysia MM2H and on the Philippines SRRV?
- Malaysia MM2H: stay per entry No per-entry limit — the pass carries a Multiple Entry Visa for its whole term, total validity Silver 5 years renewable. Philippines SRRV: stay per entry Indefinite, total validity Indefinite while the deposit is maintained.
Keep reading
MM2H last checked 3 October 2026; SRRV last checked 3 October 2026. Sources are listed on each visa page.