How to Use Setel Verify for BUDI95 (2025) | Step-by-Step Guide

Source : https://www.setel.com/budi-madani-ron95-subsidy

The rollout of BUDI95, Malaysia’s new targeted petrol subsidy system, has introduced a major change in how Malaysians pay for fuel. Instead of a blanket subsidy, BUDI95 requires verification through platforms like Setel to ensure only eligible groups receive the benefit. One of the most common questions drivers and riders ask is: How exactly do I use Setel Verify to claim BUDI95?

This guide walks you step by step through the process, explains what you’ll see in the app, and shares real-life scenarios to help you avoid mistakes when claiming your subsidy.

When and Why to Use Setel Verify

BUDI95 is not automatically applied to everyone. Instead, Malaysians must verify their identity through approved systems, with Setel being the first digital platform to support the rollout.

Setel Verify is important because:

It links your MyKad details to your fuel purchase.
It confirms your eligibility for BUDI95.
It ensures the subsidy is automatically applied when you pump petrol.

If you don’t verify, you’ll be charged the market price of RON95, which is higher than the subsidised rate.

Step-by-Step Guide: Using Setel Verify for BUDI95

Here’s the full process of activating and using BUDI95 through Setel.

1. Download or Update the Setel App

Go to Google Play Store or Apple App Store.
Make sure you’re on the latest version. Older versions may not display the BUDI95 menu.

2. Register or Log In

Open the app and log in with your mobile number.
First-time users will receive a 6-digit OTP code for verification.

3. Locate the BUDI95 Banner

On the homepage, scroll to find the “BUDI95 Subsidy” banner.
Tap it to begin verification.
If you don’t see it, try updating the app or clearing cache.

4. Upload and Verify MyKad Details

The app will ask you to scan or key in your MyKad number.
It automatically cross-checks your eligibility against government records.
You may also need to snap a selfie for identity confirmation.

5. Link Payment Method

Add your debit/credit card or use Setel Wallet.
This step ensures you can pay the correct amount after subsidy.

6. At the Petrol Station

Drive to a participating Petronas station.
Open the app and choose “Pay, Pump, and Go”.
Select your pump number.
The system automatically applies BUDI95 subsidy if you’re eligible.

7. Confirmation

After pumping, you’ll see a receipt in the app.
It will show both the market price and the BUDI95 subsidised price.
The difference is covered by the government subsidy.

What the Setel App Screens Look Like

Since many users worry about missing steps, here’s what you’ll typically see:

Homepage: “BUDI95 – Claim Your Subsidy Now” banner.
Verification Page: MyKad number entry + selfie capture.
Payment Page: Pump selection + subsidy applied message.
Receipt Page: Subsidy savings highlighted in green.

Knowing these screens reduces confusion, especially for first-time users.

Real-Life Scenarios

BUDI95 affects different groups in different ways. Here are some common examples:

Families with Two Cars

A family where both parents drive separate cars can still claim subsidies, but each car must be tied to an eligible driver’s MyKad. If one parent exceeds the quota, the other may still receive a subsidy for their vehicle.

Motorcyclists

Motorcycle users, who often pump smaller amounts (RM5–RM10), benefit immediately. The Setel app will still apply for subsidies, even for small fuel purchases, ensuring low-income riders save consistently.

University Students

Students who commute daily with cars or motorcycles can claim BUDI95 as long as their MyKad is registered. If they borrow a parent’s car, the subsidy is applied only when the registered MyKad holder is paying via Setel.

Shared Vehicles

For Grab drivers or families sharing one car, the person making the payment in Setel must be the verified account holder. This avoids misuse and ensures the subsidy goes to the intended recipient.

Common Mistakes and How to Avoid Them

Many users report hiccups in the first week of using BUDI95. Here are the most common issues:

Didn’t update Setel app → always update to the latest version.
Wrong MyKad number → double-check before submitting.
Using cash at the pump → subsidy only applies via Setel payment.
Quota confusion → remember, subsidy has a monthly litre limit.

Troubleshooting: If Setel Verify Doesn’t Work

If the app doesn’t apply BUDI95, try these fixes:

Check internet connection before starting the transaction.
Re-log into Setel to refresh your verification status.
Clear cache or reinstall the app.
If still not working, contact Setel customer service with your MyKad number and error screenshot.

Benefits of Using Setel Verify for BUDI95

Convenience: No need for manual claims; everything is automatic.
Transparency: You see exactly how much you saved.
Security: Linked directly to MyKad, reducing fraud.
Flexibility: Works across different vehicles as long as MyKad is verified.

FAQs About Setel Verify & BUDI95

Q1: Can I use Setel Verify without the internet?
No, you need a stable internet connection for verification and payment.

Q2: Can foreigners claim BUDI95 through Setel?
No, BUDI95 is only for Malaysian citizens with valid MyKad.

Q3: What if my MyKad chip is damaged?
You may face verification issues. Replace your MyKad to continue claiming subsidy.

Q4: Does Setel Verify work at all petrol stations?
Currently, it’s primarily for Petronas stations. Expansion to others is planned.

Q5: How do I know if I’ve hit my quota?
Setel will display a notification once you’ve reached the monthly litre limit.

Conclusion

Setel Verify has made the BUDI95 system smoother and more transparent for Malaysians. By linking MyKad to fuel purchases, it ensures subsidies reach the right people while giving users a simple app-based experience.

Whether you’re a car owner, motorcyclist, or student commuter, following the steps above guarantees you won’t miss out on your subsidy. As the system expands, Setel will continue to play a central role in managing Malaysia’s new targeted fuel subsidy.

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