The Geran Digital PMKS MADANI pays up to 50% of the invoice for a digital service, capped at RM5,000 per business. The Ministry of Finance funds it, BSN administers it, and you must buy from a service provider on MDEC’s panel. You pay your share, and BSN pays the grant portion to the provider. O2O Digital is an MDEC-registered digitalisation partner, so this guide also covers how the process works with us.

The grant at a glance

Item	Detail
Grant amount	Up to 50% of the invoice, capped at RM5,000 per business
Funded by	Ministry of Finance
Administered by	Bank Simpanan Nasional (BSN)
Providers	Service providers on MDEC’s panel only
Services per business	Up to three digital services
Who receives the money	The service provider, after you pay your share

Who qualifies

According to BSN, an applicant must meet all four conditions:

At least 60% Malaysian-owned. This covers MSMEs, cooperatives and professional service providers.
Registered. That means registration with SSM, a business licence from the local authority (PBT), registration with the Malaysia Co-operative Societies Commission (SKM), or registration with the relevant professional body.
Operating for at least six months.
Average annual sales of at least RM50,000.

If you received an earlier digitalisation matching grant, check BSN’s FAQ before you apply. Previous recipients have been limited to e-invoicing services.

What you can claim

BSN lists nine digitalisation areas:

Digital payment or electronic point of sale (e-POS)
HR and payroll systems, or customer relationship management (CRM)
Digital marketing and sales
Cybersecurity
Enterprise resource planning (ERP), accounting and taxation
Digital signature
IoT and smart systems
Artificial intelligence (AI)
E-invoice

What counts is how the provider’s package is listed on MDEC’s panel, not what the service is called on a quotation. Before you sign anything, ask the provider which listed package covers the work.

How to apply, step by step

Choose an MDEC-listed provider. Get a quotation for each digital service, up to three. Ask for a separate line item for each service so it can be checked against the panel listing.
Submit your application online. BSN’s “Apply Now” button leads to the application form. You will typically need your IC, your business registration, proof of sales such as recent accounts or bank statements, and the provider’s quotation.
Wait for approval. Do not pay the provider or start the work before your application is approved.
Pay your share within 14 days of approval. Pay the provider the invoice total minus the grant amount.
BSN pays the provider. Once BSN receives your proof of payment, it pays the grant portion directly to the provider.
Complete the onboarding. Finish the training and setup your provider specifies, and submit any proof of implementation BSN asks for.

How much you actually pay

The grant is 50% of the invoice, up to a total of RM5,000 per business:

Invoice total	Grant	You pay
RM4,000	RM2,000	RM2,000
RM8,000	RM4,000	RM4,000
RM12,000	RM5,000 (capped)	RM7,000
Two services, RM10,000 in total	RM5,000 (capped)	RM5,000

Anything above a RM10,000 invoice is paid entirely by you. Splitting the work into several services does not raise the cap.

Mistakes that cost money

Paying or signing before approval. If your application is rejected, you owe the full price.
Using a provider that is not on the panel. The grant only covers providers listed by MDEC.
Missing the 14-day payment window. Your share is due within 14 days of approval.
Missing the contract terms. Some telco bundles under the grant require a 24-month contract, and some say you pay the full charges if the grant is later refused or suspended. Read the terms before you activate anything.
Assuming the round is still open. BSN says the RM5,000 allocation is subject to directives from the Ministry of Finance. Funds are limited, so confirm the programme is accepting applications.

Is the grant part of Budget 2027?

BSN presents the current grant as part of the MADANI Budget 2025. The Budget 2027 coverage we reviewed did not announce a new allocation or changes to it. Check BSN’s page for the current status before you plan a project around the grant.

For the other Budget 2027 measures, such as the MSME tax cut and the ACA on ICT software, see Budget 2027 for SMEs and online sellers.

Claiming the grant with O2O Digital

We are an MDEC-registered digitalisation partner. Before you commit, we will:

confirm which of our services are covered by our panel listing
prepare a quotation with a separate line item for each service
walk you through the application, so nothing is paid or started before approval

Common starting points are an online store and e-invoice integration for your existing store. If you are in Phase 4 of e-invoicing, see our 2027 e-invoice guide for the deadlines.

Frequently asked questions

How much is the Geran Digital PMKS MADANI?

Up to 50% of the invoice for an eligible digital service, capped at RM5,000 per business.

Is the grant paid to me or to the provider?

To the provider. You pay the invoice total minus the grant, and BSN pays the grant portion to the provider after it receives your proof of payment.

How many services can I claim?

Up to three digital services, but the total grant is still capped at RM5,000.

Can I claim for a website or online store?

Only if the service is covered by an eligible area, such as digital marketing and sales, under the provider’s MDEC panel listing. Ask the provider to confirm before you sign.

Who is not eligible?

Businesses that are less than 60% Malaysian-owned, unregistered, operating for less than six months, or with average annual sales below RM50,000.

Want to know what your project would cost after the grant? Contact us for a quotation.

Source: BSN, Micro, Small and Medium Enterprise Digital Grant (MSME) MADANI, including its eligibility criteria, application steps and MDEC panel list.

Geran Digital PMKS MADANI: How to Claim up to RM5,000