How to Claim STR Status Without a Bank Account?

Many Malaysian employees who qualify for Sumbangan Tunai Rahmah (STR) don’t have bank accounts to receive their payments. So, how HR can help them check their status and claim cash safely through Bank Simpanan Nasional (BSN)?

Find out the answer in this article.

What is STR and Why It Matters to Employers

The Sumbangan Tunai Rahmah (STR) is a government cash aid programme under the Payung Rahmah initiative aimed at helping B40 and M40 households manage daily living costs. In 2025, the programme covers around 4.7 million Malaysians with a total allocation of RM13 billion.

Many employees, especially low-income, part-time, or daily-wage workers, depend on STR payments for essential expenses. HR departments play an important role in:

Sharing accurate information about payment dates and claim procedures.
Displaying STR updates on internal notice boards or chat groups.
Allowing staff time to claim their aid if they need to visit a Bank Simpanan Nasional (BSN) branch.

How Employees Can Claim STR Without a Bank Account

According to Lembaga Hasil Dalam Negeri Malaysia (LHDNM), employees without a registered bank account can claim STR payments in cash at any BSN branch.

Steps to Claim:

Visit the nearest BSN branch once the payment phase (Fasa 1, 2, 3, or 4) begins.
Bring origins MyKad (original) and proof of STR approval (printed or screenshot from the MySTR portal).
The BSN officer will verify the details and disburse the cash.

HR can prepare a short internal memo reminding staff of BSN claim periods and necessary documents. If required, HR may also issue a simple employment confirmation letter to support employees’ claim verification.

How Employees Without Bank Accounts Can Check STR Status

Employees can easily check their STR status online using the official STR portal. HR departments are encouraged to print or share these instructions internally.

Steps to Check STR Payment Status:

Visit https://bantuantunai.hasil.gov.my
Click “Log Masuk MySTR”
Enter the employee’s MyKad number
Proceed with the security verification and password login.
Click “Semakan Status”
If the payment method shows “Tunai di BSN,” it means the employee must claim cash at a BSN branch.

Employees need to update bank details when they open a new account and keep their contact information current to avoid missed payments in future phases.

Employees can also check the status by coming to the nearest LHDNM or contacting:

BKK Hotline: 1-800-88-2747
MOF: 03-8882 4565 / 4566

FAQs

Can HR help employees check their STR status?

Yes, but only with the employee’s consent. Employees must share their MyKad number and login credentials if they want HR to assist.

What if an employee doesn’t have internet access?

They can check manually at any LHDNM branch or BSN counter using their MyKad.

How can employers support staff who need to visit BSN during working hours?

Allow short paid or unpaid time-off so employees can claim safely without losing income.

Is it recommended for HR to encourage staff to open a bank account?

Yes. Having an active account ensures faster STR crediting and prevents future cash-claim queues.

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