i-Sayang: Contribution for Your Wife
Who Can Apply
Eligibility Of The Husband (Contributor)
Eligibility Of The Wife (Recipient)
Frequently Asked Questions
Frequently Asked Question
Are there any supporting documents I need to provide for i‑Sayang registration?
No. If you and your wife meet all the requirements, then you're eligible to register.
Can The husband (contributor) apply more than 2% of the i-Sayang contribution to the wife's (recipient) account?
Unfortunately, no. Currently, i-Sayang contribution transfer is limited to 2% only.
Can the wife apply to transfer her EPF contribution to the husband’s EPF account?
No, the wife cannot transfer her EPF contributions to the husband’s (contributor) EPF account because i-Sayang initiative only allows the transfer of contribution from the husband’s (contributor) EPF account to the wife’s (recipient) EPF account.
Can I cancel my i-Sayang registration?
i-Sayang registration which has already been approved regrettably cannot be canceled without any reason. Husband can only cancel it if divorce occurs, or the wife passes on.
Note: In the event of divorce or wife’s passing, the husband has to go to the nearest EPF branch to cancel the registration. Any delay in informing this matter to the EPF will result in the continuous transfer of the husband’s contribution to the wife’s EPF account.
How is the 2% i-Sayang contribution from employee share calculated?
The formula for calculating the transfer of 2% from employee share contributions is calculated as follows:
Example 1:
a) Husband’s wages : RM2,000.00
b) Citizenship status : Malaysian Citizen
c) Employee’s Share Statutory Contribution Rate : 11%
d) Employee’s i-Topup Rate : 0%
e) Total Employee Contribution : RM220 (RM2,000 x 11%)
The i-Sayang transfer amount is: RM 40.00
Example 2:
a) Husband’s wages : RM2,000.00
b) Citizenship status : Non-Malaysian Citizen
c) Employee’s Share Statutory Contribution Rate : 2%
d) Employee’s i-Topup Rate : 0%
e) Total Employee Contribution : RM40 (RM2,000 x 2%)
The i-Sayang transfer amount is : RM 40.00
How is the 2% transfer amount from the husband to the wife calculated when the husband contributes more than the statutory rate (i-Topup)?
The formula for calculating the transfer of 2% from employee share contributions is calculated as follows:
Example 1:
a) Husband’s wages : RM2,000.00
b) Citizenship status : Malaysian Citizen
c) Employee’s Share Statutory Contribution Rate : 11%
d) Employee’s i-Topup Rate : 3%
e) Total Employee Contribution : RM280 (RM2,000 x (11%+3%))
The i-Sayang transfer amount is: RM 40.00
Example 2:
a) Husband’s wages : RM2,000.00
b) Citizenship status : Non-Malaysian Citizen
c) Employee’s Statutory Contribution Rate : 2%
d) Employee’s i-Topup Rate : 3%
e) Total Employee Contribution : RM100 (RM2,000 x (2%+3%))
The i-Sayang transfer amount is : RM 40.00
Is the contributor (husband) of i-Sayang eligible to receive any special incentives?
Not eligible.
Is the recipient of i-Sayang (wife) eligible to receive any special incentives?
i-Sayang recipients who are registered under i-Saraan or listed in the eKasih database are eligible to receive the i-Saraan/i-Suri incentive, provided they meet the eligibility criteria for the i-Saraan/i-Suri incentive.
Frequently Asked Question
How is the i-Sayang registration application performed?
The i-Sayang registration application is performed voluntarily by the husband (contributor) through below channels:
i. KWSP i-Akaun app & i-Akaun (Member) web portal; OR
ii. Self Service Terminal (SST) ; OR
iii. Nearest EPF with the completed i-Sayang Registration Application Form - KWSP 16G (SY)
How can the husband (contributor) register i-Sayang online?
The husband (contributor) can register i-Sayang via i-Akaun (Member) by following the i-Sayang Registration User Guide.
Where can the husband (contributor) obtain the i-Sayang Registration Application Form - EPF Form 16G (SY)?
The i-Sayang Registration Application Form - KWSP 16G (SY) can be found on the KWSP website.
Can the wife register i-Sayang or represent the husband to register i-Sayang?
Unfortunately, no. i-Sayang registration can only be done voluntarily by the husband.
Can the husband and wife check the i-Sayang registration status?
Only the husband can check i-Sayang registration through i-Akaun (Member).
Can the i-Sayang registration be made for other than the wife?
Registration is for legal wives registered under Malaysian law only. The husband is responsible for any inaccuracy of the wife's (recipient) information.
Frequently Asked Question
Can the husband (contributor) cancel i-Sayang contribution via i-Akaun?
Unfortunately, no. i-Sayang contribution cancellation process can only be done at the EPF Counter as the husband (contributor) has to submit supporting documents.
How long does the cancellation of the i-Sayang contribution take?
The i-Sayang contribution cancellation takes a month after the request is made.
What are the supporting documents required during i-Sayang cancellation process?
Supporting documents required for the i-Sayang cancelation process are as follows:
i. Divorce Certificate; OR
ii. Wife's (recipient) Death Certificate
Frequently Asked Question
When will i-Sayang contributions transfer be credited to the EPF wife’s EPF account?
i-Sayang contributions transfer will be credited to the wife’s EPF account (receiver) on the same day after the contributions are credited to the husband’s EPF account (contributor). The transfer is also subject to the current balance of the contributor according to the sub account (Akaun Persaraan 75%, Akaun Sejahtera 15%, and Akaun Fleksibel 10%) when the contributions transfer is made. If the sub-account balance is insufficient, the i-Sayang contribution transfer will not occur.
| Contribution month | Date of contribution credited to husband's account (Contributor) |
Date of i-Sayang contribution transfer to wife's account (Recipient) |
|
|---|---|---|---|
Scenario 1 Scenario 2 |
07/2025 08/2025 |
15/07/2025 10/08/2025 |
15/07/2025 10/08/2025 |
Can the husband reclaim i-Sayang contributions credited to the wife's EPF account if there's a delay in reporting the divorce or wife's passing to the EPF?
No. The husband must report to the EPF about the divorce or wife's passing immediately.
Can the husband reclaim the contributions that have been transferred to the wife’s EPF account?
No, the husband cannot reclaim the contributions that have been transferred to the wife's EPF account.
Does the husband have to get consent from the wife to register i-Sayang?
No, because this initiative is for the husband to voluntarily transfer the 2% contribution to the wife's EPF account.
How does the EPF divide the i-Sayang contribution of 2% into the wife's Akaun Persaraan, Akaun Sejahtera, and Akaun Fleksibel?
The EPF divides the i-Sayang contribution of 2% into the wife's accounts by crediting 75% into Akaun Persaraan, 15% into Akaun Sejahtera, and 10% into Akaun Fleksibel.
Can civil servant husbands or wives in the retirement service scheme register for i-Sayang without risking government shares that must be returned later?
Yes, because no risk will occur as the transfer is based on the employee's shares and does not involve the employer's shares.
Is it allowed to have different account types (Shariah or Conventional) for the husband and wife in the i-Sayang contribution transfer?
Yes. The difference in the account type (Shariah Savings or Conventional Savings) between the husband and wife does not have any implication to the transfer of the i-Sayang contribution.
Why is the i-Sayang contribution limited to 2% only?
Over 80% of EPF members have a salary of RM5,000 or less. The starting rate of 2% allows for majority of husbands, who are EPF members, the opportunity to provide their wives with long-term savings and income security that is currently enjoyed by EPF members. However, the husband can make additional contributions to the wife’s EPF account through the voluntary contribution channel.
Do the employers need to separate the contribution for the employees who register i-Sayang?
No. The employers just need to make contributions as usual. The separation of contributions will be done by the EPF through the transfer of contributions from the husband's account to the wife's account.
Is the i-Sayang contribution transfer amount displayed in the husband's and wife's annual EPF statement?
Yes, the i-Sayang contribution transfer amount is displayed in the husband's and wife's EPF statement which can be checked through i-Akaun (Member).
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