Visa for Australians
Check the visa-free stay for your passport with the consulate before a trial stay. To live there you need a residence route:
- Malaysia My Second Home (MM2H), Silver: a home or investment from 150,000 USD, from age 25. Official page
- MM2H Special Economic / Financial Zone (age 50+): a home or investment from 32,000 USD, from age 50. Official page
Check your figures in the visa checker
Sources: MM2H (Ministry of Tourism, Arts and Culture): categories and requirements (checked 2026-10-22) · MM2H: Silver category (checked 2026-10-22) · MM2H: Special Economic / Financial Zone (checked 2026-10-22) · UK travel advice: Malaysia, entry requirements (checked 2026-10-22) · Government of Canada: Malaysia entry requirements (checked 2026-10-25)
How your pensions are taxed
Australia has a tax treaty with Malaysia: it decides which country taxes your Australian pensions and super income streams (usually your new country for private pensions, and often the paying country for government pensions). Ask the ATO so the right tax is withheld. Malaysia itself does not tax most foreign pensions.
- State and government pensions: the treaty's pensions and government-service articles decide.
- Private pensions: usually taxed in your country of residence.
Sources: Treasury: Australia's income tax treaties (checked 2026-10-26)
Australia: As a foreign resident for Australian tax you still declare Australian income, including Australian pensions and rent, with no tax-free threshold and no Medicare levy. Official page
Malaysia's own rules: Foreign-source income received in Malaysia by resident individuals is exempt from 2022 to 31 December 2036, subject to conditions (income through a Malaysian partnership excepted). The MM2H programme states "no tax on foreign funds or income". There is no wealth tax and no inheritance tax.
Before you leave Australia
- Check when you can reach your super (Australia): Moving abroad does not unlock super: you need your preservation age (60 if born from 1 July 1964) and to retire, or to turn 65. Plan your income until then. Official page
- Check your Age Pension abroad: After 26 weeks outside Australia, your Age Pension depends on your years of residence between 16 and pension age: 35 years for the full rate, otherwise a proportion (10 years = 10/35ths). Supplements and the concession card stop when you leave to live abroad. Official page (from age band 65-74)
- Becoming a foreign resident for Australian tax: When you stop being an Australian resident, your shares and other assets that are not Australian property are treated as sold at market value (CGT event I1), unless you choose to defer it until you actually sell; Australian rent stays taxable in Australia at non-resident rates with no tax-free threshold, and foreign residents lose most of the main-residence exemption. Tell the ATO and your banks you are a foreign resident, and check your Medicare enrolment with Services Australia. Official page
- Tell Centrelink before you leave: Link your Centrelink account to myGov, tell Services Australia about your travel, and report your income on the business day before you leave. Away more than 12 months, you are paid every 4 weeks, into an Australian or an overseas account. Official page (from age band 65-74)
- Age Pension later, from abroad (Australia): The Age Pension starts at 67. Paid abroad, its rate after 26 weeks depends on your years of Australian residence between 16 and pension age (35 years for the full rate), so keep a record of them. Official page (before State Pension or Social Security age)
More for Australians
- Your pension abroad: the full guide
- Retiring in Malaysia: costs, healthcare, housing and the settling plan
- Can I afford Malaysia?
Rules and figures change and we can make mistakes: confirm with the official source or a licensed advisor before acting.