Quality education is essential for establishing career stability and a comfortable life for yourself and your family.​ You can utilise Account 2 to fund your own, your spouse's, your children's, or your parents' education at approved institutions, whether they are located locally or abroad.
What You Can Withdraw

Total tuition fees/outstanding education loan OR entire savings in Account 2 (whichever is lower)

What's Covered
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Tuition fees and charges imposed by the higher learning institution OR outstanding loan amount
For Certificate Level 3, withdrawal eligibility only applies to tuition fees subject to the total savings balance in Account 2.
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Hostel & accommodation Fees
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One-way flight for first-year students studying outstation/ abroad
Who Can Apply
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Malaysians & Non-Malaysians
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Below 55 years of age
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Have savings in Account 2
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Currently pursuing or has completed – Certificate Level 3, diploma or higher
(academic/ professional/ skill-based/ vocational study)
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Studying at local institutions
(full-time, part-time, distance learning and franchise programmes)
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Institutions abroad
(full-time programmes)
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Do not receive any sponsorship/ loan for education OR only receive partial sponsorship/ loan for education
(full sponsorship/ loan are not eligible for education withdrawal)
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Member/ Member’s children/ Spouse/ Parents who quit/ failed/ did not graduate/ withdrawn from approved education institution
*to pay for all overdue payment fully to higher learning institutions within 3 years starting from the termination of education; and settle remaining education loan with loan provider institutions
Categories
  • Withdrawal to finance your tuition fees
  • Withdrawal to finance your children/ spouse/ parents’ tuition fees
  • Joint withdrawal with your spouse to finance your children’s tuition fees 
  • Joint withdrawal with your spouse to finance your spouse’s tuition fees

When You Can Withdraw

When You Can Withdraw
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Every semester or academic year
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Within three (3) years from the course end/ quit/ failed date for outstanding payments to be settled with the higher learning institution 
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Every semester or academic year
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Within three (3) years from the course end/ quit/ failed date for outstanding payments to be settled with the higher learning institution 

Payment Options

Payment to member

If fees have been paid to higher learning institution (with condition that the receipt does not exceed one (1) year from application date)

Payment to higher learning institution

To settle outstanding tuition fees

What You Need

  • MyKad OR original identification document
  • Payment receipt of tuition fee from IPT and
  • Student's enrolment confirmation letter
  • Reimbursement of flight ticket (Eligible for one way ticket for IPT student during first year student registration only) 
  • Proof of relationship (If the applicant is not a student)
  • Course recognition or accreditation letter
Note: Form KWSP 9H (AHL) & copy of identification documents/ MyKad is required for submission via mail or representative.

Supporting Documents Required For Member Or Member’s Children/ Spouse/ Parents’ Education Withdrawal

The required supporting documents for member, child, spouse, or parent may vary for the first and second withdrawal. So, it's necessary to submit all the required supporting documents to ensure a smooth application process.

• Self

Education Withdrawal - Self

1st Time Withdrawal

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  1. Proof of Acceptance
    Course offer letter
    AND
    Proof of qualification to enroll in the course

  1. Proof of Study
    Copy of the latest examination result (second year onwards)

  1. Proof of Payment*
    Tuition fees payment receipt
    AND
    Flight ticket/ original payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution


  1. Additional Documents
    Interview form
    AND
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution


  1. Additional Documents for International Studies
    Copy of page in a valid passport where student's details appear
    AND
    If Member has already gone abroad
    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results

    OR

    If Member has not gone abroad
    Proof of payment to the international higher learning institution

Subsequent Withdrawal

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  1. Proof of Study
    Copy of the latest examination result

  1. Proof of Payment*
    Tuition fees payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution


  1. Additional Documents
    Bank passbook/ Savings account statement/Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution


Education Withdrawal - Self

• Member's Children

Application for children can be made by an individual and/ or through a joint application (parents)

• Member's Spouse

Application for spouse can be made by an individual and/or through a joint application

• Member's Spouse

• Member's Parents

Education Withdrawal - Parents

1st Time Withdrawal

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  1. Proof of Acceptance
    Course offer letter
    AND
    Proof of qualification to enrol in the course

  1. Proof of Study
    Copy of the latest examination result (second year onwards)

  1. Proof of Payment*
    Tuition fees payment receipt
    AND
    Flight ticket/ original payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution


  1. Additional Documents
    Interview form
    AND
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution


  1. Proof of Relationship
    i. Children
    Child's Identification Card
    AND
    Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)
    ii. Spouse
    Marriage Certificate 
    iii. Parents
    Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) OR Adoption Certificate from National Registration Department (for adopted children)

  1. Additional Documents for international studies
    Copy of page in a valid passport where student's details appear
    AND
  2. If Member's child has already gone abroad
    Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results

    OR

    If Member's child has not gone abroad
    Proof of payment to the international institute of higher learning

Subsequent Withdrawal

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  1. Proof of Study
    Copy of the latest examination result

  1. Proof of Payment*
    Tuition fees payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution


  1. Additional Documents
    Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution


• Member's Parents

Education Withdrawal - Parents

Categories
  • Withdrawal to finance your outstanding education loan 
  • Withdrawal to finance your children’s outstanding education loan 
  • Withdrawal to finance your spouse or parents’ outstanding education loan 

When You Can Withdraw

  • Every semester or academic year
  • You have outstanding student loans

Approved Loan Provider Institutions

Approved Loan Provider Institutions

Financial Institution

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Financial Institution Licensed Under The Financial Services Act 2013, Specially Offering Loans for Education


Lending Institutions Under Ministries/ Departments/ Statutory Bodies

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  • Majlis Amanah Rakyat (MARA)

  • Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)

  • Perbadanan Tabung Pembangunan Kemahiran (PTPK)

  • Kementerian Pelajaran Malaysia

  • Jabatan Perkhidmatan Awam (JPA)

  • Lembaga Kemajuan Tanah Persekutuan (FELDA)

  • Kementerian Pembangunan Luar Bandar

  • Kementerian Pengajian Tinggi

  • Kementerian Sumber Manusia Malaysia

  • Kementerian Pendidikan Malaysia

  • Jabatan Perdana Menteri Malaysia

  •  


Lending Institutions Under The State Foundation

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  • Yayasan Wilayah Persekutuan

  • Yayasan Negeri Sembilan

  • Yayasan Terengganu

  • Yayasan Sabah

  • Yayasan Perak

  • Yayasan Pahang

  • Yayasan Kelantan Darul Naim (YAKIN)

  • Yayasan Yayasan Biasiswa Sarawak Tunku Abdul Rahman

  • Suruhanjaya Perkhidmatan Awam Negeri Sarawak (SPANS)

  •  


Lending Institutions Under The State Education Foundation

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  • Pejabat SUK Kedah (Lembaga Biasiswa Negeri Kedah Darul Aman)

  • Pejabat SUK Pulau Pinang (Lembaga Tabung Amanah Pinjaman Penuntut Negeri Pulau Pinang)

  • Tabung Kumpulan Wang Biasiswa Selangor

  • Tabung Amanah Negeri Melaka

  • Pejabat Setiausaha Kerajaan Perak Darul Ridzuan


Lending Institutions Under Foundation

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  • Yayasan Bank Rakyat (YBR)

  • Yayasan Biasiswa Tun Sambathan

  • Yayasan Peneraju Pendidikan Bumiputera

  • Yayasan Telekom Malaysia/Telekom Malaysia Berhad

  • Yayasan Tenaga Nasional


Cooperative Registered With The SKM*

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  • Koperasi Anak Sains Mara Berhad (ASMARA)

  • Koperasi Jayadiri Malaysia Berhad (KOJADI)

*Suruhanjaya Koperasi Malaysia specifically offers loans for education


Education Loans Between Employers & Employees

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Education loan between employer and employee (student) to finance employee studies (student) only.


Others

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  • Maju Institute Of Education Development (MIED)

  • PETRONAS

  • PERKESO


Payment Option

Payment to approved financial institutions

  • If you have taken a loan from a financial institution approved by the EPF
  • If you have a Study Loan Agreement in your name/your child's name

What You Need

  • MyKad OR Original Identification Document
  • Study loan agreement in the Member's name OR Study loan agreement in the children/spouse/parents’ name –(needed for self agreement loan with the employer)
  • Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification
  • Latest loan balance statement
  • Proof of relationship (If the applicant is not a student)

Note: Form KWSP 9H (AHL) & Copy of identification documents/MyKad is required for submission via mail or representative.

Supporting documents required for Member or Member’s children/spouse/parents’ education withdrawal

The required supporting documents may vary for the first and second withdrawal. So, it is necessary to submit all required supporting documents to ensure a smooth application process.

Self

Study Loan_Self

1st Time Withdrawal

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Member is still studying

  1. Proof of Acceptance
    Student's original enrolment confirmation letter
    AND
    Proof of qualification to enrol in the course
    AND
    Course recognition or accreditation letter


  1. Proof of Study
    Copy of the latest examination result (2nd year onwards)


  1. Proof of Loan Application
    Study loan agreement in the Member's name
    AND
    Latest loan balance statement


  1. Additional Documents
    Interview form
    AND
    If the financial institution providing the loan is a co-operative
    AND If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter
    Letter of explanation from the higher learning institutions


Member has completed study

  1. Proof of Loan Application
    Study loan agreement in the Member's name
    AND
    Latest loan balance statement

  1. Additional Documents
    If the financial institution providing the loan is a co-operative Cooperative registration certificate
    AND
    If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter
    Letter of explanation from the higher learning institutions


Subsequent Withdrawal

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Member is still studying

  1. Proof of Acceptance
    Student's original enrolment confirmation letter
    AND
    Course recognition or accreditation letter


  1. Proof of Study
    Copy of the latest examination result


  1. Loan Balance Statement
    Latest loan balance statement

Member has completed study

  1. Proof of Study
    Copy of the latest examination result


  1. Loan Balance Statement
    Latest loan balance statement


Member's Children/Spouse/Parents

Study Loan_Member's Children/Spouse/Parents

1st Time Withdrawal

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Member's children/spouse/parents who are currently studying

  1. Proof of Acceptance
    Student's original enrolment confirmation letter
    AND
    Proof of qualification to enrol in the course
    AND
    Course recognition or accreditation letter

  1. Proof of Study
    Copy of the latest examination result

  1. Proof of Loan Application
    Study loan agreement in the children/ spouse/ parents’ name
    AND
    Latest loan balance statement

  1. Additional Documents
    Interview form
    AND If the financial institution providing the loan is a co-operative
    Cooperative registration certificate
    AND If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/ agreement/ offer letter
    Letter of explanation from the higher learning institutions

  1. Proof of Relationship
    i. Children
    Child's Identification Card
    AND
    Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)
    ii. Spouse
    Marriage Certificate 
    iii. Parents
    Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) OR Adoption Certificate from National Registration Department (for adopted children)

 

Member's children/spouse/parents who have completed studies

  1. Proof of Loan Application
    Study loan agreement in the Member's child's/ spouse/ parents' name
    AND
    Latest loan balance statement

  1. Additional Documents
    If the financial institution providing the loan is a co-operative
    Cooperative registration certificate
    AND
    If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter
    Letter of explanation from the higher learning institutions

  1. Proof of Relationship
    i. Children
    Child's Identification Card
    AND 
    Child’s Birth Certificate/Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)
    ii. Spouse
    Marriage Certificate 
    iii. Parents
    Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) OR Adoption Certificate from National Registration Department (for adopted children)

Subsequent Withdrawal

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Member's children/ spouse/ parents who are currently studying

  1. Proof of Acceptance
    Student's original enrolment confirmation letter
    AND
    Course recognition or accreditation letter

  1. Proof of Study
    Copy of the latest examination result

  1. Loan Balance Statement
    Latest loan balance statement

 

Member's children/ spouse/ parents who have completed studies

Loan Balance Statement
Latest loan balance statement

 


Who Can Apply

Asset Publisher

Death Benefit
Subject to EPF terms and conditions.
Tax Exemption
Subject to IRB terms and conditions.
Annual Dividend
Enjoy annual dividends on top of your retirement savings.
Special Incentive
Up to 15% of total contribution or max RM300 this year.
Frequently Asked Questions

Frequently Asked Question

Education Withdrawal - FAQ

How frequent can member's make a withdrawal?

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Members are allowed to make a withdrawal anytime as long as there is sufficient balance in their Account 2 (subject to withdrawal terms).


What is the total amount allowed for withdrawal?

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The total tuition fees or the balance in your Account 2, whichever is lower.


Why is thumbprint verification necessary?

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Members need to be present at the EPF counter and verify their thumbprint as proof of identity as a member and applicant.


What happens if a member does not provide thumbprint verification?

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Members are given 14 days to verify their thumbprint, failing which the application will be rejected.


Does the member need to produce any document for thumbprint verification at the EPF counter?

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  • Original identification card (MyKad/MyPR/Police ID/Military ID) for member‘s identity verification
     
  • Supporting documents – members' will be notified of any additional documents through i-Akaun Secured Messaging.

Where can members perform the thumbprint verification and submit the supporting documents?

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Members can perform a thumbprint verification and submit the supporting documents at any EPF offices or at Self-Service Terminal (SST) for any application without document.


What are the forms and documents required when submitting an application at the EPF counter?

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The forms and documents that need to be submitted by members during the submission of application at the counter are as per existing conditions:

Member
Main document:
i.  Form KWSP 9H (AHL) 

Supporting documents:
i. Education loan balance statement latest version (V1/11/2021)
ii. Copy of academic certificate OR Transcript of final semester examination results to proof the student has successfully completed study
iii. Copy of the study loan agreement (applicable for loans between employer and employee)

Parents
Main documents:
i.  Form KWSP 9H (AHL) 
ii. Member’s child’s identification document

Supporting documents:
i. Proof of relation
ii. Education loan balance statement latest version (V1/11/2021)
iii. Copy of academic certificate OR Transcript of final semester examination results to proof the student has successfully completed study
iv. Copy of the study loan agreement (applicable for loans between employer and employee)


How often can members make a withdrawal to reduce/settle their education loan balance?

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Members can apply for this withdrawal at any time, as long as there is a remaining balance on their study loan with the education loan provide and the member still has savings in their Account 2.


Can members pay the remaining education loan balance to the education loan provider on a monthly basis?

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No, a lump sum payment is made to the education loan provider for each withdrawal application.


How much can a member withdraw for payment?

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The amount of payment that can be withdrawn is subject to the member’s loan balance and the balance savings in their Account 2, whichever is lower.


Will the education loan provider have to repay any excess amount withdrawn back to the EPF in the event the member’s loan has already been settled?

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The education loan provider will need to reimburse any excess amount withdrawn to the EPF is the loan has already been settled.

 


Can members make a withdrawal to settle their education loan balance if they are still studying at the higher learning institution?

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Yes, members will need to submit the documents listed in the document checklist, as well as their loan balance statement. Application submissions must be done over the counter only.


What are the enhancements under EPF’s Education Withdrawal?

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Education withdrawals have been expanded as follows:

i.    Withdrawal covers Certificate Level 3:
Withdrawal applications are extended to Certificate Level 3, subject to the list of certifications approved by the EPF; and

ii.    Withdrawal to finance/reduce education loans for spouses and/or parents:
Withdrawal applications are extended to finance tuition fees and/or to reduce the education loans of spouses (husband/wife) and parents (biological/adopted/step parents) for Certificate Level 3, Diploma and above.


What is Certificate Level 3?

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Certificate Level 3 is the Malaysian Skills Certificate (SKM) accredited by the Department of Skills Development/Jabatan Pembangunan Kemahiran (DSD/JPK), Ministry of Human Resources for skills programmes offered by public or private Training Providers or ‘Accredited Centers’.


What are the objectives of expanding Education Withdrawal to include Certificate Level 3?

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The objectives to expand the Education Withdrawal to include Certificate Level 3 are as follows:

i.    To provide opportunities for more Members/students to further their education;

ii.    To encourage upskilling and reskilling in line with the aspirations of the Industrial Revolution (IR 4.0);
 
iii.    To assist related industries in producing quality workers who will contribute to economic growth and resilience in the future; and

iv.    To enable members, spouses, children, and parents to increase their level of education, thereby allowing them to earn a higher income and enjoy a better standard of living while increasing their retirement savings in the EPF.


Are Members eligible to apply for this Education Withdrawal for all Certificate Level 3 courses/programmes conducted at any Accredited Centre (AC) or Training Provider?

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Currently, Members are only eligible to apply for this withdrawal for Certificate Level 3 courses/programmes offered by Accredited Centres (Pusat Bertauliah/PB) and Training Providers that are accredited by the Department of Skills Development (JPK) only.


How do Members/students apply for Education Withdrawal for Certificate Level 3?

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The application can be made via:

(a)    Online application through i-Akaun (Member)
For Members/students who receive educational funding from the Skills Development Fund Corporation (PTPK); 

(b)    Manual application
For Members/students who do not receive funding or receive funding from organisations other than PTPK, they must submit their application at an EPF Office by completing the 9H Application Form (AHL) along with supporting documents.
Members/students can refer to the EPF website at www.kwsp.gov.my for more information


What are the eligibility requirements for online Education Withdrawal application?

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The main requirements to be eligible to apply for an Education Withdrawal are as follows:

i.    Malaysian Citizen or Permanent Resident (PR);

ii.    Below age 55;

iii.    Have savings in EPF Account 2;

iv.    Have education funding with PTPK.

To ensure online applications can be submitted, Members/students must:

i.    Register and activate Member's i-Akaun at any EPF kiosk;

ii.    Register/update mobile phone number to receive the Transaction Authorisation Code (TAC) number at any EPF Office/kiosk


Are Members required to submit supporting documents if applications are made via i-Akaun (Member)?

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Members are required to submit the supporting documents under certain circumstances by uploading them on i-Akaun (Member) before submitting the application.

The types of supporting documents that can be uploaded are as follows:

i.    Proof of Relationship

ii.    Payment receipt

iii.    Other supporting documents as required

Note:

The function to upload supporting documents in i-Akaun (Member) is applicable for applications for Certificate Level 3 courses/programmes only.


How can Members upload supporting documents through i-Akaun (Member)?

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Members are required to upload supporting documents at Step 3 of the Withdrawal Summary.

The formats allowed for uploaded documents are as follows:

(a)    .jpg, .jpeg or PDF format; and

(b)    The maximum size of each document cannot exceed 256KB

Note:

Members are advised to refer to the guidelines provided to reduce the size of the document if it exceeds the maximum size limit of 256KB.


What are the education costs eligible under Education Withdrawal for Certificate Level 3?

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The education costs eligible for withdrawal under Certificate Level 3 are tuition fees only.


What is the amount of withdrawal allowed under Education Withdrawal?

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The withdrawal amount allowed is the total tuition fees (academic year) or the balance of the education loan subject to savings in Account 2 (whichever is lower).


For a joint withdrawal application, the amount of withdrawal allowed must not exceed the total tuition fee.


Can Members/students pursuing Certificate Level 3 studies claim reimbursement of tuition fees?

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Yes, Members/students can make reimbursement of tuition fees provided that the receipt date does not exceed one year when the application was made and is subject to the member’s Account 2 balance.

For reimbursements in more than one receipt, the total withdrawal amount is subject to the member’s Account 2 balance.

Payment will be credited to the member’s Savings/Current Bank Account of choice.


How do Members check their application and payment status for Education Withdrawal?

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Members may check their application status via:

i-Akaun (Member):
a.    i-Akaun Inbox
b.    Withdrawal History Menu

ii.    Contacting EPF Contact Management Center (CMC) at 03-8922 6000

Members will be notified via SMS on the withdrawal payment status if payment is made via direct crediting.

For payment using banker's cheque, members will receive the notice of payment via mail to the member’s address.


Will members be notified if payment is made to an Accredited Centre?

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Yes, members will be notified with regards to payment made to Accredited Centre via a notice posted to the member's address.


If Members submit an offer letter for Certificate Level 1, 2, and 3 studies, can the withdrawal application be processed if members have only registered for Certificate Level 1?

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No. Members are only eligible to apply for Education Withdrawal if the offer letter confirms that they have started studying for a Certificate Level 3 only.


When is the effective date Members/students are eligible to apply for Certificate Level 3 Education Withdrawal?

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Members/students are eligible to apply for Certificate Level 3 Education Withdrawal  if they register on or after 1st January 2020.


Frequently Asked Questions

Frequently Asked Question

Education Withdrawal - FAQ

Have questions about Withdrawal?