Yes, we are here to help

Pesara Digital is a one-stop app for Malaysia's government retirees, developed in partnership with Persatuan Pesara Kerajaan Malaysia (PPKM). In it you can get rewards and vouchers, buy insurance, keep health records, use money calculators, check government aid, read PPKM news and alert your family in an emergency — all in one app.

Anyone — government retirees, their spouses, children and carers. You do not need a pension account number to register. When you register, choose your membership type: Retiree (Pesara), Family (Keluarga) or Carer (Penjaga).

Yes. Registering and using the app is free. Partner products — such as insurance — are paid directly to the partner concerned, and the price is shown clearly before you choose.

No. Pesara Digital is not a KWAP app and is not linked to your pension account. It is an app of PPKM and its partners, offering extra services to retirees. Your pension information is not read, shown or stored in Pesara Digital.

For now the app is available in Bahasa Malaysia only. An English version will follow in a later phase.

No. Pesara Digital is not on the Play Store or App Store for now. It opens in your phone's web browser and can be downloaded to your home screen like any other app. See the "Downloading the app" section of this FAQ.

No. Pesara Digital is a private app developed in partnership with PPKM, an association of government retirees. It is not an app of KWAP, JPA or any government agency, and it is not linked to your pension account.

In the first phase you can: register and save your profile, register family members for SOS, receive a sign-up gift e-voucher, buy motor insurance and apply for SecureMas PA, record blood pressure, blood sugar, weight, medicines and appointments, use two money calculators, check the list of government aid and Unclaimed Money, read PPKM news and branch information, see prayer times and find nearby ambulances, hospitals and clinics. More features will follow in stages.

That feature is still being built and is not available yet. The button stays on screen so you know what is on the way. We will let you know through the Inbox (Peti Masuk) and News (Berita) when it opens.

Yes, for most things. Without internet you can still open SOS, send an alert SMS through your phone's own SMS app, and see the list of ambulances and hospitals already downloaded. Other pages show a "No connection" (Tiada sambungan) message until you are back online.

Tap Start (Mula) on the opening screen. Enter your phone number, enter the 6-digit verification code sent by SMS, complete your profile (five details), then read and accept the Terms and Conditions. Done — you go straight to the Home (Utama) screen.

Five details: your full name as on your identity card, your identity card number, date of birth, state and email address. Your pension account number and year of retirement are optional — the app works fully without them.

Your phone number is used to send the verification code when you register and log in. It is not shared with anyone. There is no password — your phone number and the SMS code are how you sign in.

No. Once you have logged in, you stay logged in on the same phone. The SMS code is only asked for again if you log out, change phones, or do not use the app for a long time.

A family member can help you fill in the details, but the SMS code is sent to your phone number and the account belongs to you. Never give the SMS code to anyone who contacts you.

No. One identity card number, one account. If you change phones, update your number in Profile (Profil) or contact us — your account stays the same.

The app address will be announced when the app launches, on this website and on our official social media. Follow us on Facebook or Instagram, or WhatsApp us to be notified.

Open the Pesara Digital link in Chrome and tap Install now (Pasang Sekarang) when asked (or tap the three-dot menu, then Install app or Add to Home screen). The Pesara Digital icon appears on your phone's home screen.

Open the link in Safari, tap the Share button (a box with an arrow pointing up, at the bottom centre), choose Add to Home Screen, then Add. In Chrome on iPhone, the Share button is at the top right.

The browser inside WhatsApp or Facebook does not allow downloading the app. Tap Copy link (or open the menu and choose Open in browser), then open the link in Chrome or Safari.

SOS tells the family members you have registered that you need help, and shows the emergency numbers and a list of nearby ambulances and hospitals. SOS is not connected to any emergency service and does not send an ambulance. In a real emergency, call 999.

Tap the red SOS strip on the Home (Utama) screen. A 10-second countdown starts — tap Cancel (Batal) if it was a mistake. After that, an alert SMS is sent to your registered family members, and the screen shows three choices: Dial 999 (Dail 999), Ambulance (Ambulans), and Hospitals and Clinics (Hospital dan Klinik).

Open Profile (Profil), then Family Members (Ahli Keluarga), and tap Add family member (Tambah ahli keluarga). Enter their name, relationship and phone number (a Malaysian number). Turn on the Receive SOS alerts (Terima amaran SOS) switch so they are alerted in an emergency.

Up to five people.

No. They receive the alert by SMS on any ordinary phone. They can register as Family (Keluarga) members if they wish, but it is not needed for SOS.

Rewards (Ganjaran) is where partner vouchers and promotions are gathered for Pesara Digital members. Open the Rewards (Ganjaran) tab from the Home (Utama) screen.

New members automatically receive one FamilyMart RM 10 e-voucher as a sign-up gift — it appears straight away in Vouchers (Baucar) with the status Active (Aktif). There is nothing to claim. Show the barcode to the cashier at any FamilyMart outlet.

Open Vouchers (Baucar), choose your voucher and tap Open Voucher (Buka Baucar). The partner's page opens inside the app with a barcode. Show the screen to the cashier to scan. One voucher per transaction.

Every new member automatically receives one FamilyMart e-voucher worth RM 10 as soon as they register, while stocks last. The voucher appears in Vouchers (Baucar) with the status Active (Aktif).

No. The sign-up gift is given only once for each identity card number.

Two products from Lonpac Insurance Bhd: Motor Insurance (Private Car Secure — Comprehensive) and SecureMas PA, personal accident insurance for seniors.

Cover is provided by Lonpac Insurance Bhd, which is licensed under the Financial Services Act 2013, regulated by Bank Negara Malaysia and a member of PIDM. Pesara Digital is not an insurer and does not process claims — we introduce these products to you.

Open Insurance (Insurans), choose Motor Insurance (Insurans Motor) and tap Get a Quote (Dapatkan Sebut Harga). The app tells you that you are going to Lonpac's site, then Lonpac's official page (in Bahasa Malaysia) opens in your phone's browser. Enter your vehicle registration number and identity card number, get an instant price and pay Lonpac directly.

SecureMas PA is personal accident insurance for entry ages 35 to 70, renewable up to age 100, with no medical check-up. Three plans: Silver RM 270, Gold RM 375 and Diamond RM 485 a year (Lonpac rates, including service tax and RM 10 stamp duty). Plans with a spouse: RM 425, RM 595 and RM 765.

Open Insurance (Insurans), choose SecureMas PA, pick the plan you are interested in and send the short enquiry form — your name, phone number and plan. Our team or Lonpac will contact you to complete the application and payment.

Claims are made directly with Lonpac. The product documents in the app (the Motor Claims Guide and Motor FAQ; the SecureMas policy) explain the steps. Pesara Digital does not process claims.

Blood pressure, blood sugar and weight, your list of medicines, and appointments. You can look back at every record at any time.

With your consent, your records are kept securely in your Pesara Digital account on our servers in Malaysia. Only you can see them. They are not shared with anyone without your consent, and they are deleted when you delete your account.

A service for talking to a licensed doctor straight from your phone, provided by HeyDoc (Heydoc Health Sdn Bhd) — a doctor replies in under 60 seconds, 7 days a week, with digital prescriptions and medicine delivered to your home the same day or collected at a pharmacy. It is for minor health problems such as fever, flu, cough and headache. The Explore (Terokai) button in the app opens HeyDoc in your browser.

No. In an emergency, please go to the nearest hospital or call 999.

Two calculators (How long will my money last, and My loan balance), the list of government Aid and Assistance (Bantuan dan Sumbangan), an Unclaimed Money check, and the If something happens (Jika berlaku sesuatu) guide for your family.

No. The calculators give estimates only and are not financial advice. They do not take your personal finances into account. Please speak to a licensed financial adviser before making a decision.

No. What you enter into the calculators is not saved.

No. Checking and claiming on eGUMIS is free and you do it yourself on the official website of the Accountant General's Department. Do not pay anyone who offers to "help" you claim your money.

PPKM news and announcements, events, and the list of PPKM branches in every state with addresses and phone numbers.

Prayer times follow JAKIM's official data (e-Solat) for your zone. Your zone is set from your phone's location — make sure location access is allowed for this app.

Your name, identity card number, date of birth, state, email and phone number when you register; your pension account number and year of retirement if you choose to give them; the name, relationship and phone number of family members you register; how you use the app; your location only while you use SOS or look for nearby facilities; and, with your consent, the health records you enter.

On servers in Malaysia (AWS Asia Pacific, Malaysia). Data is not transferred outside Malaysia.

With PPKM for membership administration; with partners only when you choose their service, and only what is needed; with our service providers (SMS, notifications, hosting), who are bound by contract; and with the authorities where the law requires. We do not sell your information.

Open Profile (Profil), then Personal Details (Maklumat Peribadi). You also have the right to ask for access to your personal data and to have it corrected under the Personal Data Protection Act 2010 — contact us through Help and Support (Bantuan dan Sokongan).

Open Profile (Profil), then Settings (Tetapan), and choose Delete Account (Padam Akaun). The app explains what will be deleted, then asks for an SMS code to confirm. Once confirmed, your account is closed straight away and your data is deleted — except records we must keep by law.

Yes, anonymously — screen-view counts through Google Analytics, to improve the app. No health readings or calculator figures are recorded.

Our SMS messages come from the sender name PesaraD and never contain links. We never ask for passwords, bank PINs or card details by SMS. If in doubt, ignore the SMS and contact us through the WhatsApp button in the app.

No. The SMS code is for you alone and will never be asked for by anyone from Pesara Digital, PPKM, a bank or the police. Anyone who asks for it is a scammer.

Pesara Digital never asks for payment by call or message, and no payments are made in the app at this stage — insurance premiums are paid directly to Lonpac. Do not make any transfer; report it to the National Scam Response Centre on 997 and let us know.

Our official website is pesaradigital.com. The app address will be announced on this website when it launches; any other address claiming to be Pesara Digital is not ours. Check the address at the top of your browser before entering your phone number.

Tap the WhatsApp button on the app's bottom bar, or open Profile (Profil), then Help and Support (Bantuan dan Sokongan). Our team replies during office hours.

Monday to Friday, office hours. Messages received outside these hours are answered on the next working day.

Aina is Pesara Digital's digital assistant, which will answer your questions inside the app. It is coming in the next phase. For now, use the WhatsApp button to ask our team.

Biometric login is coming in the next phase. For now, you stay logged in for up to 90 days and use an SMS code when needed.

Not at this stage, and only if there is an official partnership in the future. Pesara Digital does not read your pension information. For your pension e-slip, use KWAP's official channels.

Extra protection services such as an e-will and legal aid are planned for a later phase. For now, the If something happens (Jika berlaku sesuatu) list helps your family with the first steps.

Yes, in stages. New partner vouchers and promotions will be added in Rewards (Ganjaran), and other lifestyle services will follow in later phases.