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Akaun Persaraan Top-Up Savings

A Little Savings Set Aside Today Goes A Long Way​

An option for you to contribute to the retirement wellbeing of your loved ones. With this facility, you (the topper) can voluntarily make additional contributions to your family members' (the toppee) EPF accounts.
Who Can Apply

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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.
Who Can Contribute?
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Children (to parents​)
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Husband (to wife​)
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Wife (to husband​)
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Parents (to children​)
Requirements
Toppee

  • EPF Member​

  • Malaysian citizen & permanent resident​

  • Below age 55

Topper​

  • EPF or non-EPF Member​

  • Toppers need to register before making payment by filling in the Pendaftaran Penambah Simpanan/ Penerima Simpanan form - KWSP 3B​

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What Do You Need to Register?
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MyKad​
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Birth certificate 
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Marriage certificate​
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Penambah Simpanan/ Penerima Simpanan form
KWSP 3B
Payment Methods
Payment via cheque or bank draft can be made at the following EPF office receipting counters:​
 
  1. KWSP Shah Alam​
  2. KWSP Kuala Lumpur​
  3. KWSP Ipoh​
  4. KWSP Seberang Jaya​
  5. KWSP Alor Setar​
  6. KWSP Johor Bahru​
  7. KWSP Melaka​
  8. KWSP Seremban​
  9. KWSP Kuantan​
  10. KWSP Kuala Terengganu​
  11. KWSP Kota Bharu​
  12. KWSP Kota Kinabalu​
  13. KWSP Kuching​

Note:

  1. The EPF office receipting counters at the KWSP Muar and KWSP Kangar offices will be closed starting 1 January 2026.
  2. Please include Bayaran Caruman Penambahan Simpanan Akaun Persaraan Form (KWSP 3B (1)) when making the payment.
  3. Contribution payment amount will be credited into EPF member's account within 7 working days.
Contribution Limit
Minimum: RM1.00
Subject to payment channels
Maximum: RM100,000 per year​
The maximum accumulated limit for Voluntary Contributions (i-Simpan Contribution, i‑Saraan Contribution, i‑Saraan Plus Contribution, i‑Suri Contribution and Akaun Persaraan Top‑up Savings Contribution) across all payment channels.
Important Reminder​
  • Payments must be made to KUMPULAN WANG SIMPANAN PEKERJA.​
  • If payment is made by cheque money order or bank draft, please state member's EPF number, contribution month, and phone number on the back.

Forms

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