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Home
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Pengumuman

  • Career & Industrial Training, more info>
  • THiJARI, TH service is now at your fingertips
  • Closing of TH Branches - May 2025 Public Holiday
  • Closing of TH Branches - June 2025 Public Holiday
Wukuf
05 June 2025 / 9 Zulhijjah 1446H
Has Ended

Savings

  • Advantages of Savings at TH
  • Savings & Withdrawals
  • Updating Personal Information
  • Dormant Account
  • TH Counters & Operating Hours
  • TH Strategic Partners & TH Savings Collection Agents
  • Salary Deduction Contribution
  • JomPAY

Savings in TH are based on the concept of Wakalah, where an individual (Muwakkil) appoints another party (Wakil) as their representative to manage their affairs. It is Shariah-compliant and fully guaranteed by the Government of Malaysia.

The transition to the Wakalah Contract will take effect on December 31, 2019, replacing the previous Wadiah Yad Dhamanah savings contract. Under this new contract, TH acts as a representative to manage depositors' funds for investment activities and Hajj operations, where profits generated annually will be distributed to depositors based on TH’s financial performance.

TH continually strives to improve its services through reforms and restructuring for the benefit of its depositors. Among the advantages of saving with TH is the 100% government guarantee in accordance with the Tabung Haji Act 1995, and the payment of zakat on behalf of depositors. Existing depositors do not need to fill out any new documents and can continue their transactions as usual at any TH branch nationwide.

Prior to December 31, 2019, TH communicated that by retaining their account with TH after December 31, 2019, depositors are deemed to have agreed to the transition to the Wakalah concept for the deposit contract.

Advantages of Savings at TH

  • Shariah compliant
  • Contributing to the welfare of Dhuyufurrahman
  • Guaranteed by the Government
  • Tax exemptions
  • Zakat obligation fulfilled
  • No limit on savings

Savings & Withdrawals

Savings

  • There is no limit on the amount of savings.
  • Deposits can be made using cash, checks, fund transfers, or the following methods:
     
    • TH Service Counters (Head Office and Branch Offices)
    • Salary Deduction 
    • Electronic and Internet Banking 
    • Strategic Partner Service Counters
    • Collection Agents

Withdrawals 

  • The maximum daily cash withdrawal amount per depositor is RM10,000 through TH Counters (except TH Service Centers) / Uniteller Bank Islam Malaysia Berhad (BIMB) / Uniteller Bank Kerjasama Rakyat Malaysia (BKRM).
  • Non-cash withdrawals exceeding RM10,000 can be made at all TH branches, including TH Service Centers, via Telegraphic Transfer to the depositor's bank account within the country only.

Updating Personal Information

Personal profiles need to be updated to ensure smooth transactions at TH and to meet regulatory requirements. Starting from October 1, 2023, some transactions will be blocked for depositors who have not updated personal information such as address, phone number and employment details.

Depositors can update their personal information at any nearby TH Branch Office and TH Service Center (PPTH) or by using the THiJARI application. For further inquiries, please contact:

Tabung Haji Contact Centre (THCC)

Phone : +603 - 6207 1919
E-mail : th-info@lth.gov.my

Operating Hours : 8:00 am - 6:30 pm
(Operating Monday to Sunday. Except on public holidays as per Federal Territory, Kuala Lumpur)

Frequently Asked Questions on Updating Mobile Numbers via Call/E-mail at THCC

Dormant Account

A Depositor’s account with no transactions for over 7 years will be classified as a Dormant Account, in accordance with the Tabung Haji Regulations and Act (1995).

Dormant Accounts will not receive annual Hibah distributions starting from 2018.

Tabung Haji is exempted from handing over Dormant Account funds to the Registrar of Unclaimed Moneys. Therefore, depositors or heirs can still claim the remaining balance in a dormant account at any time by providing the required documents as specified by TH.

TH Counters & Operating Hours

TH Counters

TH counters are open at all TH Branch Offices nationwide. Click here for the TH Branch Office directory.

Operating Hours

Click here for information on the operating hours of TH Branch Offices and TH Service Centers (PPTH).

TH Strategic Partners & TH Savings Collection Agents

TH Strategic Partner

Depositors can conduct TH transactions at the counters, Automated Teller Machines (ATM), and online banking of TH’s strategic partners, including Bank Islam, Bank Rakyat, Maybank, CIMB, and AMBANK. Click here to view the Electronic Channel Services of TH’s Strategic Partners.

TH Savings Collection Agents

Depositors can conduct TH transactions through appointed TH Savings Collection Agents as follows:

NO AGENT SERVICES OFFERED

FEES

FEE CHARGING METHOD
1.

POS MALAYSIA BERHAD

  • Pos Online
RM0.60 TH Debit Account
2.

BANK SIMPANAN NASIONAL

  • Counter (Debit Account)
  • Internet Banking
  • ATM
RM0.50 TH Debit Account
3.

RHB ISLAMIC BANK BERHAD

  • Internet Banking (IB)
RM0.50 Debit Account Bank (Upfront)
4.

PUBLIC BANK BERHAD

  • Internet Banking (IB)
RM0.50 Debit Account Bank (Upfront)
5.

BANK MUAMALAT MALAYSIA BERHAD

  • Counter (Debit Account)
  • Internet Banking (IB)
  • ATM
RM0.60 Debit Account Bank (Upfront)
6.

HONG LEONG ISLAMIC BANK BERHAD

  • Internet Banking (IB)
RM0.50 Debit Account Bank (Upfront)
7. KUWAIT FINANCE HOUSE (M) BERHAD
  • Internet Banking (IB)
RM0.50 Debit Account Bank (Upfront)
8. AFFIN ISLAMIC BANK BERHAD
  • Internet Banking (IB)
RM1.00 Debit Account Bank (Upfront)
9. STANDARD CHARTERED SAADIQ BERHAD
  • Internet Banking (IB)
RM0.00 Debit Account Bank (Upfront)

Service charges will be applied according to the rates set by the Collection Agent, which may vary from time to time.

Salary Deduction Contribution

Salary Deduction Contribution

Savings through Salary Deduction Contribution to a Tabung Haji (TH) account is one of the services provided:

  • Facilitating depositors in consistently adding funds to their TH account every month through salary deductions.
  • Assisting depositors in making regular savings to their own account, accounts under their care, or third-party TH accounts.

Terms and Conditions (Forms JP 010 and JP 010-01)

  1. Each applicant and family member (including third parties) must first be a TH depositor.
  2. Applications can be made by completing the Salary Deduction Contribution Form (Forms JP 010 and JP 010-01), and the applicant must submit the completed form to the nearest TH office or apply through the TH online portal (THiJARI).
  3. Each applicant is required to ensure the following:
    • Contributing for themselves,

    • Contributing for family members (including third parties), if applicable,

    • Ensuring the TH accounts of the applicant and family members are active,

    • The total salary deduction contribution amount on Form JP 010 (total contribution) must match the total on Form JP 010-01 (distribution).

      • If the contribution amount on Form JP 010 is less than the total amount on Form JP 010-01, all contribution amounts will be credited to the contributor's account only.

      • If the salary deduction contribution amount on Form JP 010 exceeds the total amount on Form JP 010-01, the monthly contribution will be credited according to the distribution on Form JP 010-01, and the balance will be credited to the contributor's account.

  4. TH will credit the contribution within 7 to 14 working days for complete contribution information and when the contribution amount is received from the employer.
  5. Any changes to the distribution and salary deduction contribution amount must be made by filling out a new form or updating the salary deduction contribution through the TH online portal (THiJARI). Each new application or update to the salary deduction contribution will cancel the previous application.
  6. The contributor is responsible for ensuring that the salary deduction contribution is made by the employer.

Note: All Terms and Conditions are subject to change or amendment from time to time by TH.

JomPAY

JomPAY is part of TH's digitalization efforts, providing more touchpoints for the convenience of depositors. Through JomPAY, depositors can transfer funds online into their TH savings account anytime and anywhere.

"Tabung Haji is a Reporting Institution under the Anti-Money Laundering and Anti-Terrorism Financing Act 2001"

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Last updated on 12-06-2025

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