You can apply for Akaun Fleksibel Withdrawal as soon as Akaun Fleksibel has a minimum balance of RM50 either after the transfer of the initial amount from Akaun Sejahtera has been made or after the crediting of new contributions. Akaun Fleksibel Withdrawal payment will be credited into your bank account within seven (7) working days upon application approval.
Requirements
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Malaysians & Non-Malaysians​
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Below 55 years old
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Have savings in Akaun Fleksibel
 
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Can be withdrawn any time with RM50 minimum withdrawal limit
  • For members who are non-Malaysians, withdrawal applications can be made manually at the nearest EPF office 

What You Need To Know

Akaun Fleksibel - What you need to know

Frequently Asked Questions

Frequently Asked Question

Akaun Fleksibel Withdrawal - FAQ For AFWithdrawal Page

Will members’ pre-retirement withdrawal eligibility be affected by the account restructuring?

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No, members are still eligible to make existing withdrawals subject to current terms and conditions.


What types of withdrawals are allowed after the implementation of EPF account restructuring?

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All existing types of withdrawal are still applicable, subject to the terms and conditions. Among the withdrawals allowed are:

Before Age 55 Years
•  Akaun Persaraan: Members Investment Scheme
•  Akaun Sejahtera: Housing Withdrawal, Education Withdrawal, Health Withdrawal, Hajj Withdrawal, Age 50 years Withdrawal and Member Protection Plan Withdrawals
•  Akaun Fleksibel: Akaun Fleksibel Withdrawal (new)
•  All Accounts: Disability Withdrawal, Death Withdrawal, Leaving the Country Withdrawal and Pensionable Employee Withdrawal
•  Withdrawal Exceeding RM1 Million

 

After Age 55 Years
•  Akaun 55: Age 55 years Withdrawal
•  Akaun Emas: Age 60 years Withdrawal
•  All Accounts: Disability Withdrawal, Death Withdrawal and Leaving the Country Withdrawal


When can members apply for Akaun Fleksibel Withdrawal?

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Members can apply for Akaun Fleksibel Withdrawal as soon as Akaun Fleksibel has a minimum balance of RM50 either after the transfer of the initial amount from Akaun Sejahtera has been made or after the crediting of new contributions.


What are the conditions for Akaun Fleksibel withdrawal?

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The conditions for Akaun Fleksibel withdrawal are as follows:

a.  Below 55 years old;
b.  Have savings in Akaun Fleksibel; and
c.  Minimum withdrawal limit is RM50.


Can members cancel the application for Akaun Fleksibel Withdrawal?

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Applications for Akaun Fleksibel Withdrawal cannot be cancelled once the application has been approved. Members are advised to make an informed decision before applying.


How to apply for Akaun Fleksibel Withdrawal?

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Members can apply for Akaun Fleksibel Withdrawal through the following channels:

i. KWSP i-Akaun​ App

ii. i-Akaun (Member) Web Portal; or

iii. EPF Offices

  • Hassle-free application without any form at your nearest EPF office.
  • For members residing outside of Malaysia and do not have access to KWSP i-Akaun, you can download the form here.

Do members need to submit any supporting documents when applying?

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Members do not need to submit any supporting documents. However, an active bank account number need to be submitted to ensure a smooth payment processing.


Do members need to visit EPF Office for thumbprint verification if Akaun Fleksibel withdrawal applications is submitted online?

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Generally, members do not need to be physically present for identity verification at EPF Offices as it can be done online; however, it is subject to the member's previous withdrawal history and the withdrawal amount does not exceed RM30,000.

For members who do not have a previous withdrawal history, or their bank account information differs from previous withdrawal records, members need to perform thumbprint verification via Self-Service Terminal (SST) at any EPF office for withdrawal applications exceeding RM10,000.


What is the payment method for Akaun Fleksibel Withdrawal?

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Akaun Fleksibel Withdrawal payments will be direct credited into the member's bank account. To ensure ease of receiving Akaun Fleksibel Withdrawal payments, please ensure the following conditions are met:

  • Bank account (savings or current account) status is active; and
  • Bank account is registered under the member's own name (not a joint/ company account).
Reminder: 
Members who do not have a bank account are advised to open a bank account before applying for Akaun Fleksibel Withdrawal.

Can members who have applied for Age 50/55 Conditional Withdrawals under Facility Support Account 2 (FSA2) apply for Akaun Fleksibel Withdrawal?

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Yes, members may apply for Akaun Fleksibel Withdrawal, subject to the terms and conditions as follows:

  • You must be under 55 years old.
  • You must have existing savings in your Akaun Fleksibel.
  • The minimum withdrawal amount is RM50.

When will the Akaun Fleksibel Withdrawal payment be credited into members’ bank account?

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Payment will be made within seven (7) working days upon application approval.


Additional Information

Age 50 Withdrawal (Payment/Reminder) Accordion

Payment Methods

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  1. Local Payments

    a. Full payment in Ringgit Malaysia (RM) will be credited to your bank account
    If you hold an active account with our panel bank and your identification number matches the bank records.

    b. You will be issued a Bankers Cheque
    If payment to your bank account is unsuccessful.
     
  2. Overseas Payments

    a. Full payment will be made via Foreign Demand Draft in the currency of your choice
    If your preferred currency is included in our list of approved currencies.

    b. Full payment will be made via Foreign Demand Draft in US Dollars
    If your preferred currency is not available on our approved list.

Important Reminder

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  1. Certify your documents
    Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.
    (complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)

    Authorised Persons

  2. Double check your panel banks
    Refer to the list of EPF panel banks for direct crediting of payment into member’s account.

    EPF Panel Banks

  3. Submit to EPF
    Send your completed submissions at your nearest EPF office or mail it to the EPF.

    Post to EPF:

    JABATAN PENGURUSAN TRANSAKSI
    KUMPULAN WANG SIMPANAN PEKERJA
    P.O. Box 00220 Jalan Sultan,
    46720 Selangor Darul Ehsan.

    Find EPF Near You

  4. Need more information?
    Refer to our product brochure for additional information.

    Download Brochure