Members can transfer all or part of their savings from Akaun Fleksibel (Account 3) and/or Akaun Sejahtera (Account 2) to Akaun Persaraan (Account 1) and Akaun Sejahtera (Account 2). The transfer of savings only involves the member's own EPF account and transferred savings cannot be returned to the original account.

This initiative was implemented to facilitate members in exercising self-discipline in managing their savings, with the aim of securing retirement readiness and addressing pre-retirement life cycle needs. The transfer will not affect the dividend payments on the savings.

EPF members who are eligible to transfer savings between their own EPF accounts are as follows:
i.   Malaysian and Non Malaysian; AND
ii.  Below 55 years of age; AND
iii. Have savings balance in Akaun Sejahtera or Akaun Fleksibel; OR
iv. Having new contributions credited to Akaun Sejahtera or Akaun Fleksibel

This self-service transfer of savings between your own EPF accounts will be available anytime starting from 19 April 2025.

Members can apply for transfers between their own EPF accounts via online through KWSP i-Akaun app, i-Akaun (Member) web portal, or through the Self-Service Terminal (SST) at all EPF offices.

Yes, the following combinations of transfers are permitted:

i. Akaun Fleksibel to Akaun Sejahtera AND Akaun Persaraan; or
ii. Akaun Fleksibel to Akaun Sejahtera AND Akaun Sejahtera to Akaun Persaraan
iii. Akaun Fleksibel to Akaun Persaraan AND Akaun Sejahtera to Akaun Persaraan
iv. Akaun Fleksibel to Akaun Sejahtera AND Akaun Persaraan; AND Akaun Sejahtera to Akaun Persaraan

Note: Combination transfers are only applicable via the Self-Service Terminal (SST) channel.

There are two (2) category of savings transfers:
i. One-Time Transfer  
ii. Recurring Transfer

One-Time Transfer is the transfer of available savings balance from Akaun Fleksibel (Account 3) and/or Akaun Sejahtera (Account 2) to Akaun Persaraan (Account 1) and/or Akaun Sejahtera (Account 2).

Application must be made for each transfer, subject to eligible balance at the time of application.

The eligible amount that can be transferred is the current balance after deducting any pending approval of withdrawals and/or unpaid approved withdrawals by the EPF (if any) on the date of the transfer application.

Transfer of savings can be made entirely or partially. For transfers of full savings, the total amount will be transferred. For partial transfers, the transferred amount will exclude any cents.

One-Time Transfer can be done at any time, subject to eligible balance at the time of application.

The transferred amount will be updated immediately to the account of the member involved. Meanwhile, the contribution transfer information will be displayed in the member's statement the next day.

Example scenario:

Recurring Transfer is a transfer of new contributions from Akaun Fleksibel (Account 3) and/or Akaun Sejahtera (Account 2) to Akaun Persaraan (Akaun 1) and/or Akaun Sejahtera (Akaun 2) based on the percentage (%) of transfer chosen by the member.

Members need to submit an application only once and the recurring transfer will be automatically executed for each new contribution credited continuously until the member makes a cancellation or changes the existing transfer percentage.

The allowed category contributions for Recurring Transfers are mandatory contributions and voluntary contributions.

The transferred amount will be updated to the member's account the next day. Meanwhile, the contribution transfer information will be displayed in the member's statement the following day.

Example scenario:
Aminah submit a Recurring Transfer application from Akaun Fleksibel to Akaun Persaraan with a transfer rate of 50%.

Yes, members can change their Recurring Transfer percentage (%) at any time according to their needs and preferences. The updated percentage will take effect immediately and cancels the previously selected percentage.

Yes, members can choose One-Time Transfer and Recurring Transfer subject to the stipulated terms and conditions.

Members can cancel Recurring Transfer at any time through the KWSP i-Akaun, i-Akaun (Member) web portal, and Self-Service Terminals (SST) at EPF Offices. The cancellation of the transfer will take effect immediately.

Recurring Transfer will be automatically cancelled under the following circumstances:
i. Member reaches 55 years of age.
ii. Approved application for full withdrawal:
- Death Withdrawal
- Leaving Country Withdrawal
- Pensionable Employees Withdrawal
- Incapacitation Withdrawal

One-Time Transfer: YES
Members can apply for a One-Time Transfer at the KWSP counter by completing and submitting Form KWSP 12 - Transfer of Savings to Retirement Account/Akaun Sejahtera.

However, members are encouraged to submit their applications online via the KWSP i-Akaun app, i-Akaun (Member) web portal, or SST.

Recurring Transfer: NO
Applications for registration and cancellation of Recurring Transfers can only be submitted through the KWSP i-Akaun app, i-Akaun (Member) web portal, or SST.

Members can obtain further information on the EPF website and refer to the user guide provided for the application of the transfer between own EPF accounts.