Duit dalam MyKad Explained: Myths, Truth & Safety Tips

In recent months, many Malaysians have come across social media posts claiming that there is hidden “duit dalam MyKad” that can be withdrawn instantly. These claims are misleading and often linked to scams.

The truth is, MyKad is an identity card, not a wallet. While it can be linked to services like Touch ’n Go or used to verify eligibility for government aid such as SARA, it does not store cash.

What is Duit Dalam MyKad?

“Duit dalam MyKad” or “money inside MyKad” is a phrase that often appears on social media, especially when people talk about government aid. Many believe that their MyKad stores hidden money that can be withdrawn. This is not true.

MyKad is a national identity card. Its main role is to prove your identity, record your citizenship status, and act as a multipurpose card for various government and private services.
Some MyKad cards also carry additional features such as Touch ’n Go (TnG) for transport and tolls. But this is separate from identity functions.
For government aid programs like Sumbangan Asas Rahmah (SARA), MyKad is only used for verification. It confirms if someone is eligible, but no money is stored in the chip.

In short, MyKad itself does not hold or store money. What it does is act as a gateway to other linked systems.

Can Employers Pay Salary or Benefits Into MyKad?

No. Employers cannot pay wages or benefits directly into a MyKad. Salary payments must go through banks. This is required under Malaysian labour law, which ensures contributions to EPF, SOCSO, and EIS are recorded properly.

Even if your MyKad has a TnG chip, it is still just a prepaid function for transport or shopping. It is not a payroll system.

Government benefits such as BR1M, STR, or SARA are also not deposited “into MyKad.” Instead, MyKad is used to confirm eligibility and access those benefits via approved platforms.

Is Duit Dalam MyKad Real or a Scam?

The idea of “hidden money” in MyKad is a misunderstanding and in some cases, a scam.

Scammers spread videos or posts claiming that people can “withdraw money from MyKad” using special apps or machines. This is false.

Some scams ask for MyKad numbers, photos, or PINs to “unlock” the money. This is dangerous and your details can be stolen for fraud.

The truth is that government aid like SARA is linked to your MyKad only for verification. There is no hidden or secret balance to be withdrawn.

Employers and HR teams should remind staff: if they see such claims online, they should double-check with official sources such as LHDN, MOF, EPF, or SOCSO.

How to Check if There is Money Linked to MyKad

While MyKad itself has no money inside, it may be connected to other services. Employees can check these through official channels:

Unclaimed Money (Wang Tak Dituntut) via eGUMIS
- Visit eGUMIS.
- Enter your MyKad number to see if you have any unclaimed money from old bank accounts, insurance, or inactive deposits.
Touch ’n Go balance (if MyKad has TnG logo)
- Use the TnG eWallet app, TnG kiosks, or reload counters.
- Remember: TnG money is prepaid by the user. It is not government aid.
Government aid (e.g., SARA or STR)
- Go to sara.gov.my or checkstatus.mykasih.net.
- Enter your NRIC number, complete captcha, and check your eligibility.
- Aid is verified using MyKad but recorded in the MyKasih system, not inside the card.

How MyKad Works with SARA 2025 Aid

Many are confused about how the SARA 2025 RM100 one-off assistance works. The RM100 credit is not stored in the MyKad chip. Instead, MyKad is used to verify recipients at participating stores.

Steps to use SARA with MyKad:

Choose essential goods marked with the MyKasih/SARA logo.
Show your MyKad at the counter for verification.
Enter your 6-digit PIN to confirm the transaction.
The system deducts the amount from your SARA credit.

This means the money is managed digitally by MyKasih, and your MyKad only proves you are eligible.

MyKad & Touch ’n Go (TnG) Integration

Some MyKad versions include a TnG chip. This allows MyKad to be used like a normal TnG card. You can use it for tolls, buses, trains, and purchases where TnG is accepted. Balance checks can be done at kiosks, petrol stations, or via the TnG eWallet app.

Important: This TnG function is separate from government aid. Having TnG on your MyKad does not mean your SARA or STR is credited into it.

How to Verify Money Claims

Because scams are common, always:

Verify through official government portals (sara.gov.my, hasil.gov.my, mykasih.com.my).
Look for SMS or WhatsApp alerts only from recognised numbers.
Do not trust unknown websites, apps, or individuals claiming they can “withdraw hidden money.”

Safety tips for you:

Never share your MyKad number or PIN with strangers.
Check official announcements before believing social media posts.
Report suspicious claims to relevant authorities.

Employer's Role to Educate Employees about Scam Awareness & Safety Tips

Employers and HR managers can play a big role in avoiding confusion and scams.

Common Scams to Watch Out For

Social media reels or TikTok videos that promise “instant withdrawal” of hidden money from MyKad.
Fake apps or websites claiming they can “hack” or unlock secret balances.
Individuals pretending to be government agents asking for your MyKad to “release money.”

Quick Safety Tips

Always verify through official sites such as sara.gov.my, hasil.gov.my, or mykasih.com.my.
Never share your MyKad number, photos, or PIN with unknown parties.
Check only official announcements from the Ministry of Finance, LHDN, or recognised government bodies.
Report suspicious claims or pages that impersonate government agencies to the authorities.

By being careful, Malaysians can protect themselves from fraud and avoid losing money or personal data. Employers should also share these reminders with employees so that workplace communities stay informed and safe.

FAQ

Can I check how much money is stored in MyKad?

No, MyKad does not store money. You can only check linked services like TnG or unclaimed funds via eGUMIS.

Is MyKad a wallet for government aid?

No. MyKad is only used for identity verification. Aid is managed through official systems such as MyKasih.

How do I know if I received the SARA RM100?

Check on sara.gov.my or MyKasih’s portal using your MyKad number.

Is there hidden money in MyKad?

No. Claims about hidden or secret money are scams.

Can employers transfer salary directly into MyKad?

No. Salaries must be paid through bank accounts.

How can I check unclaimed money?

Through the eGUMIS portal (Accountant General’s Department).

What is the difference between MyKad and Touch ’n Go card?

MyKad is an ID. Some MyKad cards have TnG chips, but this function is separate from government aid.

How do I explain “duit dalam MyKad” to employees?

Tell them MyKad is only for verification. It does not hold money. Government aid is linked to eligibility, not stored in the card.

Your Next Hire Could be Just a Click Away!

At AJobThing, we connect you with 5+ million jobseekers in Malaysia, ensuring you hire the best.

Post your job ads today & simplify your hiring process!