Malaysia’s fourth and final 2026 Sumbangan Tunai Rahmah (STR) cash-aid phase reaches the last day of its announced payment window for existing recipients on Friday, November 6. The Ministry of Finance said in a November 4 statement that RM1.1 billion is being distributed to 5.4 million recipients in stages from November 4 through November 6. The announcement covers 4 million eligible households and 1.4 million senior citizens without a spouse. It does not mean every bank account has already been credited. A separate schedule applies to newly approved applicants and successful appeals, whose status checks and payments begin November 16, according to the Inland Revenue Board’s official STR portal. Recipients can verify their information through MySTR and should avoid unofficial payment links or fee requests.
November 6 closes the scheduled window for existing recipients
The Ministry of Finance’s November 4 announcement states that payments to existing STR 2026 recipients are being made in stages over November 4–6. The Inland Revenue Board of Malaysia (LHDN), which operates the official STR website, also lists Phase 4 payments as starting on November 4. These are published payment schedules, not a real-time tally of completed deposits. Someone who has not yet seen a credit should check the official record rather than assume that a circulating social-media notice is an authoritative update.
The schedule is deliberately split into two groups. The current window concerns recipients already approved under STR 2026. Newly approved applications and appeals that have succeeded are assigned the later November 16 start date. That distinction matters because November 6 is not a universal deadline by which everyone entitled to Phase 4 aid must have received the money. As of this report, the published official notices have not announced a postponement of the original schedule.
Sources: Penyaluran Sumbangan Tunai Rahmah Fasa 4 Kepada 5.4 Juta Penerima Mulai 4 November 2026 · Maklumat Terkini — Pembayaran Fasa 4 STR 2026 · Bayaran STR Fasa 4 Disalur Bermula Hari Ini - MOF
Who is covered, and how much can recipients receive?
Of the 5.4 million people or recipient cases identified by the Finance Ministry on November 4, approximately 4 million are in the household category, with monthly household income at or below RM5,000. Another 1.4 million are older people without a spouse. These are the official category totals for this phase; they should not be mistaken for separate nationwide population estimates or for the number of deposits already completed.
Eligible households can receive up to RM500 in this Phase 4 payment, while the ministry lists RM150 for eligible senior citizens without a spouse. ‘Up to’ is important: RM500 is a ceiling for the household category, not a flat payment promised to every household. The amount for a particular applicant depends on that person’s verified eligibility category. The ministry also said the assistance is intended for recipients across communities, including households managing expenses around the Deepavali holiday and the year’s end.
Sources: Penyaluran Sumbangan Tunai Rahmah Fasa 4 Kepada 5.4 Juta Penerima Mulai 4 November 2026 · Bayaran STR Fasa 4 Disalur Bermula Hari Ini - MOF · Phase Four STR: RM1.1 Bln Disbursement Begins Today For Over Five Million Recipients – Anwar
How the money is paid: bank deposits and BSN branches
Recipients with registered bank accounts will receive their STR payments through direct credit, the Finance Ministry said on November 4. Where a recipient has no bank account, the announced alternative is cash collection through a Bank Simpanan Nasional (BSN) branch. LHDN’s current Phase 4 notice separately confirms the same two routes: deposit into the applicant’s or spouse’s bank account, or collection at BSN.
A payment notice should therefore be assessed in the context of the recipient’s approved route. A bank recipient should use the official STR payment information and their own banking records to check for a credit. Someone assigned to cash collection should use the official portal’s instructions and BSN channels rather than rely on a person advertising a collection service in a message or social-media post. The published schedule does not authorize an intermediary to charge a release or processing fee.
Sources: Penyaluran Sumbangan Tunai Rahmah Fasa 4 Kepada 5.4 Juta Penerima Mulai 4 November 2026 · Maklumat Terkini — Pembayaran Fasa 4 STR 2026 · Notis Amaran — Berhati-hati Dengan Penyamaran; Tiada Caj Dikenakan
How to check your MySTR status without using an unofficial link
The official starting point is bantuantunai.hasil.gov.my, the STR portal operated by LHDN. From that website, applicants can access the MySTR login and the available status-checking and payment-information functions. The ministry’s November 4 statement directs readers there for the latest status details and frequently asked questions. Applicants should type the address themselves or reach it through a verified government website rather than follow an unexpected shortened link.
The portal is now also displaying information about STR 2027 applications. LHDN says the 2027 application and update cycle opened on October 15, 2026, and the MySTR login can be used for the STR 2027 application and updating functions. A 2027 update is not the same thing as a fresh Phase 4 award for 2026. Readers checking the November payment should distinguish their STR 2026 status and payment information from any separate 2027 application tasks displayed on the same website.
For questions requiring direct assistance, the official portal lists LHDN’s BKK hotline at 1-800-88-2747, as well as ministry contact numbers. Callers should obtain numbers from the government portal itself, since false contact details can circulate alongside copied announcements.
Sources: Penyaluran Sumbangan Tunai Rahmah Fasa 4 Kepada 5.4 Juta Penerima Mulai 4 November 2026 · Maklumat Terkini — Pembayaran Fasa 4 STR 2026 · Notis Amaran — Berhati-hati Dengan Penyamaran; Tiada Caj Dikenakan
November 16 matters for new approvals and approved appeals
The November 16 date is not a second general payout for everyone. LHDN’s November 2026 notice specifically says that status checks and payments for new Phase 4 applications and successful Phase 4 appeals will begin from that date, in stages. The Finance Ministry describes the same later payment group in its November 4 statement. A person in this group should not treat the November 4–6 window as proof that their application was overlooked.
The term ‘approved appeals’ also does not mean that any appeal filed now will automatically qualify for Phase 4. An earlier rejection, review request and final approval are separate events. Applicants should consult their own MySTR result and the official FAQs for the status of their case, rather than assume that a payment date itself establishes eligibility. The November 16 announcement gives a start date for this group, not a guarantee that all transfers will arrive on the morning of the 16th.
Sources: Penyaluran Sumbangan Tunai Rahmah Fasa 4 Kepada 5.4 Juta Penerima Mulai 4 November 2026 · Maklumat Terkini — Pembayaran Fasa 4 STR 2026
Scam warnings: no fees, no fake agents, no suspicious links
The Finance Ministry’s November 4 announcement ends with an explicit warning about false links and attempted fraud, directing the public to official websites. LHDN’s STR warning notices, posted for October 2026, say the ministry and tax authority have received complaints about fake STR and SARA websites and social-media accounts. They warn the public not to visit suspicious links or disclose personal information to unverified parties.
The same LHDN notices make three further points. First, there is no charge for applying, updating an application or checking status. Second, LHDN has not appointed private individuals to handle STR questions through WhatsApp or personal telephone numbers. Third, its toll-free STR number is not used for unsolicited outbound calls; a callback, if needed, follows a person’s own earlier contact and advance notice. LHDN also says it does not dispatch officers to applicants’ homes to offer mobile application, update or status-check services.
Recipients should not pay someone who promises faster disbursement, enter MySTR credentials through a link received in a message, or share personal and banking details with a supposed agent whose identity cannot be verified. Suspicious messages should be checked against the government’s original announcements. The practical distinction for November 6 is straightforward: use the official portal to establish eligibility and payment status; do not confuse a widely forwarded ‘urgent aid’ message with a government payment instruction.
Sources: Penyaluran Sumbangan Tunai Rahmah Fasa 4 Kepada 5.4 Juta Penerima Mulai 4 November 2026 · Notis Amaran — Berhati-hati Dengan Penyamaran; Tiada Caj Dikenakan
