United Kingdom → Malaysia
Pensions accrued in United Kingdom and Malaysia are administered separately by each country's providers and registers. We do the identification work in both jurisdictions, the route is different in each, and we use the verified route per country.
Find my pensionsFull refund if we find nothing material.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
The April-2026 voluntary-NI regime change: cheap Class 2 from abroad is abolished and a one-time transitional door (old rules, incl. Class-2 payers switching without the 10-year residence test) has its own closing date, confirmed by the Future Pension Centre.
The cheap voluntary-NI window lapses at the transitional door; outside it, only the standard 6-year backdating remains and older years fall away year by year. Workplace pots are preserved (not auto-paid).
Personal-record access wall: Government Gateway (the personal State Pension forecast / NI record)
Companies House and the government's free Pension Tracing Service are both public, PTS returns scheme contact details only, never balances or membership confirmation, and a well-known commercial namesake (pensiontracingservice.com) is not the government service. The genuine difficulty in UK pension lineage is that employers get acquired, schemes get bulk-bought, providers rebrand, and a 1990s payroll deduction can land in a scheme with a name nobody at the original employer would recognise today.
From abroad: Public records and PTS work from anywhere without your credentials; the personal state-pension forecast needs Government Gateway, and HMRC's identity checks can be hard to pass from overseas. The harder problem from abroad isn't the gateway, it's that scheme-name continuity in the UK breaks repeatedly across decades, and reading that history is what the work actually is.
Many bilateral/reciprocal agreements; post-Brexit EU-UK protocol preserves aggregation. Where you retire decides whether your UK State Pension rises each year or freezes at its first payment for life. Australia, Canada and New Zealand freeze it; the USA does not.
Primary sources: gov.uk/find-pension-contact-details · gov.uk (voluntary NI / state pension) · developer.company-information.service.gov.uk
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
EPF money does not follow the generic 7-year unclaimed rule, it keeps earning dividends and transfers to the Registrar (BWTD) only at age 100 under EPF Act s.51A.
The EPF balance keeps earning dividends until age 100; only then does it transfer to BWTD (searchable via eGUMIS). It is not lost on departure.
Personal-record access wall: i-Akaun (KWSP login) is the personal-record wall; the in-app approval can replace SMS-TAC for users still able to authenticate
Malaysia is unusual in that provider identity is trivial, there is one national fund (EPF), with a separate route to the BWTD registrar only for accounts that have crossed the age-100 transfer threshold. The hard part is not finding the institution; it is that EPF money does not behave like generic unclaimed money, it keeps earning dividends and never lapses on departure.
From abroad: A Leaving-Country Withdrawal is filable from abroad, but onward international remittance of the payout is unclear in published EPF guidance, a known gap for departed expats rather than a documented route.
SG↔MY is the largest daily corridor (opposite urgency profiles).
Primary sources: kwsp.gov.my · egumis.anm.gov.my · EPF Act s.51A
United Kingdom and Malaysia pensions are not pooled or auto-consolidated. Each leg is worked on its own: registers searched in United Kingdom, registers searched in Malaysia, and contact details surfaced where the dossier supports it. State pensions may be affected by bilateral or reciprocal agreements between the two jurisdictions, each country page records what its dossier establishes; we do not invent treaty effects.
Yes. Our report covers identification work in both United Kingdom and Malaysia as separate jurisdictions. Each country's pensions are administered locally; we work each one using the access route published on its country page.
No. Pensions accrued in United Kingdom stay with United Kingdom schemes; pensions accrued in Malaysia stay with Malaysia schemes. They are administered separately. Bilateral and reciprocal agreements may affect state pension aggregation in some pairs, see each country page for what its dossier records.
An identification-only report covering both jurisdictions: registers searched, any provider matches with contact details, and any registers that require you to check directly using your own credentials. We do not give financial advice, transfer pensions, or estimate values.
Full refund if we find nothing material. Fixed fee, $99 Country Pension Identification Report, $499 Enhanced Pension Identification Report, $799 Global (covers all requested countries).