Personal accident cover
Complimentary Group Personal Accident coverage up to RM50,000.
Membership
Your next chapter
starts together.
Discover membership, understand your contributions and prepare your KGMB application form.
PEOPLE.
PURPOSE.
PROGRESS.
PURPOSE.
PROGRESS.
A cooperative for members
More than membership.
A shared opportunity.
Membership applications are open to Malaysian citizens aged 18 and above, subject to the cooperative’s membership requirements. Members can also ask about savings arrangements for their children or grandchildren.
Prepare membership form
Membership benefits
Support for you and your family.
Education assistance
Assistance for children’s education up to RM2,000.
Bereavement support
Bereavement benefit up to RM5,000.
Savings & investments
Explore savings, member share capital and investment schemes.
Credit facilities
Personal, short-term, mortgage and other loan facilities.
Member participation
Have a voice in the cooperative and participate in its activities.
Benefits are subject to the applicable scheme terms and eligibility requirements. Please contact KGMB for clarification or assistance with your application.
Membership contributions
Understand your contributions.
RM50 / month
The minimum monthly subscription contributes to the member’s subscription capital account.
About subscriptions
The minimum monthly subscription is RM50 and is credited to the member’s subscription capital account. Regular contributions support the cooperative’s thrift and credit activities.
Any dividend on share or subscription capital depends on the cooperative’s financial results and applicable approval requirements. A contribution does not guarantee a dividend.
Contact the membership teamRM100 minimum
Each member has one vote at the Annual General Meeting, irrespective of the shares held.
About share capital
Members are required to hold at least RM100 in share capital. Each member has one vote at the Annual General Meeting, regardless of the shares held. Shares have a fixed par value and are not traded on a market.
A minimum RM1,000 share-capital balance is required for the relevant loan facilities, together with each facility’s other eligibility conditions.
Loan amounts, rates, eligibility, security and repayment terms depend on the facility and your application. Please contact KGMB’s Credit Division for clarification before applying.
Any dividend on share or subscription capital depends on the cooperative’s financial results and applicable approval requirements. A contribution does not guarantee a dividend.
Contact the membership teamJoining contributions: RM50 registration, RM100 minimum share capital and RM50 monthly subscription. Contact the membership team for payment instructions.
How to join
Prepare. Print.
Sign. Send.
The form preparation tool helps you complete the official hard-copy form. It does not submit a membership application online.
View the original blank form ↗Enter your details
Complete the applicant, employment, declaration and next-of-kin fields that apply to you.
Download, print and sign
Your details are placed onto the original two-page form. Complete all required handwritten signatures.
Send your documents to KGMB
Include the supporting documents listed on the original form and contact the membership team for delivery instructions.
Membership form preparation
Your details. Your membership form.
For clarification about eligibility, supporting documents or your application, please contact KGMB. Contact KGMB
Membership help
Your questions, answered.
Who can apply for membership?
Membership applications are open to Malaysian citizens aged 18 and above, subject to the cooperative’s membership requirements. Members can also ask about savings arrangements for their children or grandchildren.
How do I send my membership application?
Find the membership application in Forms & Downloads. Use the form assistant or download the blank PDF, then print and sign both pages. Follow the form’s supporting-document instructions and send your signed PDF through New Membership Submission on Contact Us, or visit a branch. Membership is subject to management approval.
If the form you need is not listed, request it through General Enquiry / Feedback.
What are the joining contributions?
The joining contributions total RM200: RM50 registration, RM100 minimum share capital and RM50 monthly subscription. The membership team will provide payment instructions for an approved application.
How can I pay my regular contributions?
Members can ask Accounts & Finance about counter payments, bank transfers and available deduction or auto-debit arrangements. Keep your payment receipt and follow the department’s instructions so the payment can be credited to the correct account.
If the form you need is not listed, request it through General Enquiry / Feedback.
Can I arrange savings for a child?
KGMB members can arrange the Child Savings Scheme for their children or grandchildren, with 4% annual interest and a minimum monthly contribution of RM50. Check Forms & Downloads for the relevant form, and confirm beneficiary requirements and scheme terms with the membership team. The membership form assistant is for adult applications.
If the form you need is not listed, request it through General Enquiry / Feedback.
How do I request a withdrawal or end my membership?
For a subscription or share-capital withdrawal, or to end your membership, ask the membership team about the written request, applicable notice period, outstanding obligations and supporting documents.
Membership withdrawal requires 12 months’ notice. Refunds are subject to the member being free from outstanding liabilities as a borrower or guarantor, and to the cooperative’s by-laws and applicable withdrawal rules. Contact the membership team for the requirements that apply to your request.
If the form you need is not listed, request it through General Enquiry / Feedback.
Where can I ask about member benefits?
The membership team can explain eligibility and documents for welfare assistance, insurance benefits and other member facilities. Benefits depend on the applicable scheme rules and the review of your request.
If the form you need is not listed, request it through General Enquiry / Feedback.
Membership guidance
Withdrawals & refunds.
Find information on withdrawing subscription or share capital and ending membership.
Membership withdrawal requires 12 months’ notice.
Read the membership withdrawal and refund policy
For a subscription or share-capital withdrawal, or to end your membership, ask the membership team about the written request, applicable notice period, outstanding obligations and supporting documents.
Membership withdrawal requires 12 months’ notice. Refunds are subject to the member being free from outstanding liabilities as a borrower or guarantor, and to the cooperative’s by-laws and applicable withdrawal rules. Contact the membership team for the requirements that apply to your request.
A written request should identify the member, the contribution account concerned and the amount or action requested. KGMB will advise on identity verification, bank instructions and documents needed to review the request.
Requests are reviewed under the applicable rules and outstanding obligations. Sending a request does not confirm approval or a payment date.
If the form you need is not listed, request it through General Enquiry / Feedback.
Let’s take the next step together.
Talk to our team about membership or a KGMB service.