MM2H fixed deposit explained: what is committed?
MOTAC’s FAQ lists fixed-deposit headline amounts of USD1 million for Platinum, USD500,000 for Gold and USD150,000 for Silver.
The short answer
MOTAC’s FAQ lists fixed-deposit headline amounts of USD1 million for Platinum, USD500,000 for Gold and USD150,000 for Silver. For SEZ/SFZ it lists USD65,000 at ages 21–49 and USD32,000 from age 50. These are deposit commitments, not a complete moving budget or a substitute for checking the actual banking and programme conditions.
Which category amounts appear in the current FAQ?
The published FAQ lists Platinum at USD1 million, Gold at USD500,000, Silver at USD150,000, and SEZ/SFZ at USD65,000 for ages 21–49 or USD32,000 from 50. Keep these deposit amounts distinct from property costs, participation fees and provider charges. Confirm the category, relevant age and deposit evidence before treating a headline amount as a bank instruction.
Read MOTAC’s official FAQ answer (external website).
What question does the deposit answer?
The deposit is part of the financial conditions of the selected programme category. It should be examined separately from the participation fee, professional charges and residential purchase. A quote that calls all these items “investment” is too broad for careful planning.
The official category overview (external website) identifies the published deposit commitments. The current guidelines (external website) and transaction-specific instructions are needed for questions about administration and release. An existing participant also needs to check the applicable cohort and approval conditions.
The official overview lists deposits of USD150,000 for Silver, USD500,000 for Gold and USD1,000,000 for Platinum. SEZ/SFZ has age-linked bands of USD65,000 and USD32,000. Check the actual category and age band before using a figure in a bank or provider discussion.
What should you ask the bank?
Ask what account or deposit arrangement is required for the programme, which documents it needs, how any lien or confirmation letter is recorded and who can request a release. Obtain the bank’s actual terms rather than assuming that all fixed-deposit products operate in the same way.
Keep product questions separate from programme questions. An advertised interest rate, account tenure or renewal feature does not settle eligibility or the authority’s release conditions. Likewise, a programme summary does not establish the executable rate or operational terms offered by a particular bank.
How should you record the commitment?
Keep the deposit evidence, bank correspondence and relevant approval documents in a secure file. Record the account or certificate reference privately, the official letters needed and the date each instruction was obtained. Do not circulate account details inside a public planning worksheet.
For a household budget, show the deposit as a separate line with its currency and access conditions. Do not use it twice: once as committed programme funds and again as freely available money for fees or living costs. If a later release is contemplated, record it as conditional until confirmed.
What happens when you want to use part of it?
A permitted purpose in a summary is not the same as a completed withdrawal. Ask about the applicable timing, approval, supporting evidence and bank process. The official administrative booklet (external website) can help identify the transaction type, but a checklist for another service should not be repurposed without confirmation.
If documents differ on timing or a reader is relying on a legacy page, seek clarification for the actual category and approval. Do not move money first and assume that a later explanation will regularise the transaction.
How can you avoid a misleading comparison?
Compare deposits in their stated currencies and under the same applicant assumptions. Keep the property commitment, official fees and professional fees visible beside them. A smaller deposit is not automatically a lower total commitment if the associated property or conditions differ.
Use the programme comparison to understand the headline differences, then ask route- and bank-specific questions. The objective is to understand what the money is committed to, not to infer unrestricted access from the familiar phrase fixed deposit.
Related questions readers ask
Is any bank deposit automatically acceptable for MM2H?
Do not assume that. Confirm the required programme arrangement, the financial institution’s requirements and the evidence needed for the actual application or transaction.
Can I treat the deposit as my emergency spending fund?
A programme commitment has access conditions. Keep ordinary reserves separate rather than assuming that the deposit can be used whenever needed.
Does a permitted withdrawal purpose mean automatic release?
No. Check the applicable approval, timing, supporting documents and bank process before relying on a release.
Explore your programme options.
Read the programme guides and compare the four federal options to plan your next questions.
Explore MM2H programmes Compare the four federal programmesSources & further checking
- MOTAC FAQ: What fixed deposit is required for each category? (opens in new tab) (external website)
Source consulted: 12 November 2026. Recheck current information before acting.
- Official MM2H category overview (opens in new tab) (external website)
Source consulted: 12 November 2026. Recheck current information before acting.
- Official MM2H requirements and regulations (opens in new tab) (external website)
Source consulted: 12 November 2026. Recheck current information before acting.
- MM2H Application Guidelines Booklet (opens in new tab) (external website)
Source consulted: 12 November 2026. Recheck current information before acting.
General editorial information, not immigration, legal, tax or financial advice. Suggest a correction.