| Self-Contribution - KWSP Malaysia | |
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| ## Self-Contribution | |
|  | |
| ## Breadcrumb | |
| 1. [Member](https://www.kwsp.gov.my/en/member) | |
| 2. [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings) | |
| 3. Self-Contribution | |
| #### Self-Contribution | |
| Securing Retirement With Self Contribution | |
| Self-contribution serves as an option to those who want to voluntarily grow their retirement savings with EPF. | |
| Who Can Apply | |
|  | |
| Malaysian & Permanent Resident | |
|  | |
| EPF member | |
|  | |
| Below 75 years of age | |
| Payment Methods | |
| Contribution payments will be credited to the member's EPF account within 3 working days for electronic payments and 7 working days for payment via other channels. | |
| ## Self-Contribution (Payment Channel Accordion) | |
| ### Mobile App | |
|  | |
| Electronic payment via i-Akaun mobile app. For more details, refer to the FAQ section at the bottom. | |
| ### Internet Banking | |
|  | |
| Electronic payment via: | |
| 1. Alliance Bank | |
| 2. Bank Islam | |
| 3. Bank Muamalat | |
| 4. BSN | |
| 5. CIMB Bank | |
| 6. Hong Leong Bank | |
| 7. Kuwait Finance House | |
| 8. Maybank | |
| 9. MBSB | |
| 10. Public Bank | |
| 11. RHB Bank | |
| 12. Ambank | |
| ### Registered Bank Agent | |
|  | |
| Electronic/cash payment via [Bank Agents (EB) BSN](https://www.bsn.com.my/page/locate-us?lang=en-MY&csrt=5312210391283919450). | |
| ### Bank Agent Counters | |
|  | |
| Cash/cheque payment via bank agent counters: | |
| * BSN | |
| * Maybank | |
| * Public Bank | |
| * RHB Bank - Only payments via debit card and debit transfers are accepted. | |
| Note: Please attach Bayaran Caruman Pilihan Sendiri Form - [KWSP 6A (1)](/documents/d/guest/kwsp_6a_1-2) | |
| ### EPF Office | |
|  | |
| * Payment via cash (maximum RM500)/cheque/bank draft can be made at the following EPF Receipting Counter: | |
| 1. KWSP Shah Alam | |
| 2. KWSP Kuala Lumpur | |
| 3. KWSP Ipoh | |
| 4. KWSP Seberang Jaya | |
| 5. KWSP Alor Setar | |
| 6. KWSP Kangar | |
| 7. KWSP Johor Bahru | |
| 8. KWSP Muar | |
| 9. KWSP Melaka | |
| 10. KWSP Seremban | |
| 11. KWSP Kuantan | |
| 12. KWSP Kuala Terengganu | |
| 13. KWSP Kota Bharu | |
| 14. KWSP Kota Kinabalu | |
| 15. KWSP Kuching | |
| * Payment via Debit Card is available at all EPF Office. | |
| | |
| Note: Please attach Bayaran Caruman Pilihan Sendiri Form - [KWSP 6A (1)](/documents/d/guest/kwsp_6a_1-2) | |
| EPF do not encourage members to make payments in cash for large amounts at EPF counters. | |
| ### Mobile KWSP Team / Relationship & Advisory (RA) | |
|  | |
| * Electronic payment via Debit Card. | |
| * Contribution payment amount is subject to the payer's Debit Card transaction limit. | |
| For more details, refer to the FAQ section at the bottom. | |
| Contribution payment via Debit Card through the MT/MoT services is based on the Schedule Table. | |
| View More | |
| Contribution Limit | |
| Minimum: RM1.00 | |
| Subject to payment channels | |
| Maximum: RM100,000 per year | |
| The maximum accumulated limit for Voluntary Contributions (Self Contribution, i-Saraan Contribution, i-Suri Contribution and Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year. | |
| Forms | |
| * [Self-Contribution Payment Form - KWSP 6A (1)](/documents/d/guest/kwsp_6a_1-2) | |
| [Self-Contribution Payment Form - KWSP 6A (1)](/documents/d/guest/kwsp_6a_1-2) | |
| # Frequently Asked Questions | |
| View | |
| Frequently Asked Question | |
| ## Self-Contribution & Voluntary Contribution (FAQ Accordion) | |
| ### Is Self-Contribution available for everyone? | |
|  | |
| Self Contribution is only available to Malaysian citizens or permanent residents who are EPF members. | |
| --- | |
| ### I am an expatriate/foreign worker who has a work permit in Malaysia; am I eligible to make a Self-Contribution? | |
|  | |
| No, it is only eligible to registered EPF members who are either Malaysian citizens or permanent residents. | |
| --- | |
| ### If I am a salaried employee, can I still make a Self-Contribution? | |
|  | |
| Yes, you can. | |
| --- | |
| ### Can I request a refund of my Self-Contribution? | |
|  | |
| No. Every Self-Contribution paid into EPF is considered valid and final. Therefore, members are required to ensure the accuracy of payment details before completing the transaction. | |
| --- | |
| ### What does it mean when the statement reads 'You have RM XXXX.XX remaining contribution limit for this year'? | |
|  | |
| This statement refers to members' remaining contribution limit for the year. | |
| The calculation formula is as follows: | |
| Maximum annual amount of Voluntary Contribution DEDUCT total Voluntary Contribution from all payment channels that have been credited to the member's EPF account = balance of this year annual contribution limit. | |
| Example: | |
| RM100,000 – RM312 = RM99,688. | |
| Important reminder: Contributions made on the same day but using different channels, have not yet been taken into account as the contribution limit for the year. | |
| --- | |
| ### Am I allowed to contribute more than the maximum amount (RM100,000)? | |
|  | |
| No, any contributions that exceed the limit will be refunded to the member. | |
| --- | |
| ### What happens if I make a Self-Contribution payment after turning the age of 55? | |
|  | |
| Your contributions will be deposited into Akaun Emas and can only be withdrawn after you reach the age of 60. | |
| --- | |
| ### Can I make Self-Contribution payment through KWSP i-Akaun app? | |
|  | |
| Yes. You can now make Self-Contribution payment exclusively via our [KWSP i‑Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html). | |
| --- | |
| ### How do I make Self-Contribution via KWSP i-Akaun app? | |
|  | |
| Step 1: Log in to [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) | |
| Step 2: Click "Increase your savings" | |
| Step 3: Enter your contribution amount | |
| Step 4: Select your bank | |
| Step 5: Confirm your contribution details and click continue | |
| Step 6: Accept the Terms & Conditions | |
| Step 7: Log in to your online banking account and make the payment via FPX | |
| Step 8: Transaction is complete! Download the receipt to save as a copy | |
| --- | |
| ### Which banks are supported for FPX internet banking? | |
|  | |
| * Maybank | |
| * Public Bank | |
| * CIMB Bank | |
| * RHB Bank | |
| * Affin Bank | |
| * Alliance Bank Malaysia | |
| * AmBank | |
| * Bank Islam Malaysia | |
| * Bank Muamalat | |
| * Bank Rakyat | |
| * Bank Simpanan Nasional (BSN) | |
| * Bank of China (M) Berhad | |
| * Deutsche Bank | |
| * Hong Leong Bank | |
| * HSBC | |
| * Kuwait Finance House | |
| * OCBC | |
| * Standard Chartered Bank | |
| * UOB | |
| --- | |
| ### How long does it take for the payment to be credited into an EPF member's account? | |
|  | |
| Self-Contribution payment will be credited to member's EPF account at least in three (3) working days for electronic payment and seven (7) working days for non-electronic payment. | |
| --- | |
| ### What is a Voluntary Contribution payment through the member i‑Akaun mobile application? | |
|  | |
| Allow members to make Voluntary Contribution payments exclusively via the KWSP i‑Akaun app. | |
| --- | |
| ### How do I make Voluntary Contribution via i-Akaun app? | |
|  | |
| Here is how you can make your voluntary contribution via i-Akaun app: | |
|  | |
| --- | |
| ### What is the amount limit for Voluntary Contribution payment via KWSP i-Akaun mobile app? | |
|  | |
| Minimum amount for Voluntary Contributions payment via the KWSP i-Akaun app is RM10. | |
| The maximum accumulated limit for Voluntary Contributions (Self Contribution, i-Saraan Contribution, i-Suri Contribution and Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year. | |
| --- | |
| ### What is meant by the statement ‘you have RM XXXX.XX remaining contribution limit for this year.’ | |
|  | |
| This statement refers to members' remaining contribution limit for the year. | |
| The calculation formula is as follows: | |
| Maximum annual amount of Voluntary Contribution **DEDUCT** total Voluntary Contribution from all payment channels that have been credited to the member's EPF account = balance of this year annual contribution limit. | |
| Example: | |
| RM100,000 – RM312 = RM99,688. | |
| Important reminder: Contributions made on the same day but using different channels, have not yet been taken into account as the contribution limit for the year. | |
| --- | |
| ### What is the list of banks supported for FPX internet banking? | |
|  | |
| • Maybank | |
| • Public Bank | |
| • CIMB Bank | |
| • RHB Bank | |
| • Affin Bank | |
| • Alliance Bank Malaysia | |
| • AmBank | |
| • Bank Islam Malaysia | |
| • Bank Muamalat | |
| • Bank Rakyat | |
| • Bank Simpanan Nasional (BSN) | |
| • Bank of China (M) Berhad | |
| • Deutsche Bank | |
| • Hong Leong Bank | |
| • HSBC | |
| • Kuwait Finance House | |
| • OCBC | |
| • Standard Chartered Bank | |
| • UOB | |
| --- | |
| ### When will the Voluntary Contribution payment via i-Akaun mobile application be credited to the member's EPF account? | |
|  | |
| The Voluntary Contribution payment will be credited to member’s EPF account at least in three working days after the bank transferred the payment to the EPF. | |
| --- | |
| ### Can I request a refund of my Voluntary Contribution? | |
|  | |
| You can't do that at all. Each and every amount of Voluntary Contribution paid into EPF is valid and final. As a result, members are obligated to check that the payment details are accurate before completing the transaction. | |
| --- | |
| ### Is it allowed for me to contribute more than the maximum amount? | |
|  | |
| No, you can't do it. Voluntary Contributions in excess of the maximum amount will be refunded to the member. | |
| --- | |
| ### What happens if I make a Voluntary Contribution payment after the age of 55? | |
|  | |
| All contributions received after the member reaches the age of 55 are deposited into Akaun Emas and can only be withdrawn after the member reaches the age of 60. | |
| --- | |
| * Self-Contribution | |
| * Voluntary Contribution | |
| #### | |
| #### | |
| #### | |
| Voluntary Contribution | |
| View | |
| Frequently Asked Question | |
| ## Voluntary Contribution FAQ Accordion | |
| ### What is a Voluntary Contribution payment through the member i‑Akaun mobile application? | |
|  | |
| Allow members to make Voluntary Contribution payments exclusively via the KWSP i‑Akaun app. | |
| --- | |
| ### How do I make Voluntary Contribution via i-Akaun app? | |
|  | |
| Here is how you can make your voluntary contribution via i-Akaun app: | |
|  | |
| --- | |
| ### What is the amount limit for Voluntary Contribution payment via KWSP i-Akaun mobile app? | |
|  | |
| Minimum amount for Voluntary Contributions payment via the KWSP i-Akaun app is RM10. | |
| The maximum accumulated limit for Voluntary Contributions (Self Contribution, i-Saraan Contribution, i-Suri Contribution and Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year. | |
| --- | |
| ### What is meant by the statement ‘you have RM XXXX.XX remaining contribution limit for this year.’ | |
|  | |
| This statement refers to members' remaining contribution limit for the year. | |
| The calculation formula is as follows: | |
| Maximum annual amount of Voluntary Contribution **DEDUCT** total Voluntary Contribution from all payment channels that have been credited to the member's EPF account = balance of this year annual contribution limit. | |
| Example: | |
| RM100,000 – RM312 = RM99,688. | |
| Important reminder: Contributions made on the same day but using different channels, have not yet been taken into account as the contribution limit for the year. | |
| --- | |
| ### What is the list of banks supported for FPX internet banking? | |
|  | |
| • Maybank | |
| • Public Bank | |
| • CIMB Bank | |
| • RHB Bank | |
| • Affin Bank | |
| • Alliance Bank Malaysia | |
| • AmBank | |
| • Bank Islam Malaysia | |
| • Bank Muamalat | |
| • Bank Rakyat | |
| • Bank Simpanan Nasional (BSN) | |
| • Bank of China (M) Berhad | |
| • Deutsche Bank | |
| • Hong Leong Bank | |
| • HSBC | |
| • Kuwait Finance House | |
| • OCBC | |
| • Standard Chartered Bank | |
| • UOB | |
| --- | |
| ### When will the Voluntary Contribution payment via i-Akaun mobile application be credited to the member's EPF account? | |
|  | |
| The Voluntary Contribution payment will be credited to member’s EPF account at least in three working days after the bank transferred the payment to the EPF. | |
| --- | |
| ### Can I request a refund of my Voluntary Contribution? | |
|  | |
| You can't do that at all. Each and every amount of Voluntary Contribution paid into EPF is valid and final. As a result, members are obligated to check that the payment details are accurate before completing the transaction. | |
| --- | |
| ### Is it allowed for me to contribute more than the maximum amount? | |
|  | |
| No, you can't do it. Voluntary Contributions in excess of the maximum amount will be refunded to the member. | |
| --- | |
| ### What happens if I make a Voluntary Contribution payment after the age of 55? | |
|  | |
| All contributions received after the member reaches the age of 55 are deposited into Akaun Emas and can only be withdrawn after the member reaches the age of 60. | |
| --- | |
| #### | |
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