i-Saraan Plus for e-Hailing & p-Hailing Drivers
Responsibilities Of Service Providers
Payment Methods
Note: i-Saraan Plus participants are also allowed to make voluntary contributions through existing channels to maximise the total government matching incentives.
Payment Methods
Contribution payments will be credited to the member's EPF account within 3 working days for electronic payments and 7 working days for payment via other channels.
Contribution Limit
Minimum: RM1
Subject to payment channels
Maximum: RM100,000 per year
How To Join i-Saraan Plus
- e-hailing and/or p-hailing drivers must register for i-Saraan first.
- Enrolment in i-Saraan Plus is automatic when an individual makes a contribution payment through the service provider under the e‑hailing and/or p‑hailing sector.
- e‑hailing and/or p‑hailing drivers must register for i‑Saraan first.
- Enrolment in i‑Saraan Plus is automatic when an individual makes a contribution payment through the service provider under the e‑hailing and/or p‑hailing sector.
Self Service Terminal (SST)
- Visit any SST location
- MyKad
EPF Office
- Permohonan Pendaftaran Caruman Sukarela i‑Saraan/i‑Suri Form – KWSP 16G (M)
- MyKad
Frequently Asked Question
What is i-Saraan Plus?
i-Saraan Plus is an enhancement of the existing i-Saraan programme under EPF's voluntary contributions, introduced starting 2026.
It provides an opportunity for members working as e-hailing and/or p-hailing drivers to receive higher Government incentives of up to RM600 per year and a lifetime total of RM6,000 for retirement security purposes, subject to established terms and conditions.
With the introduction of i-Saraan Plus, will i-Saraan still continue?
Yes. The i-Saraan programme will continue for self-employed individuals and those in the informal sector, such as small business owners, freelancers, and individuals outside the formal workforce.
In summary:
- i-Saraan: Government incentive up to RM500 per year, and a lifetime incentive capped at RM5,000 or until the member reaches age 60 (whichever comes first).
- i-Saraan Plus: For e-hailing/p-hailing drivers. Incentive up to RM600 per year, a lifetime incentive capped at RM6,000 or until the member reaches age 60 (whichever comes first).
If a member has already registered for i-Saraan, do they need to re-register for i-Saraan Plus?
No. Members who have already registered under the i-Saraan programme do not need to register again.
However, participation in i-Saraan Plus is subject to eligibility. Only members who work as e‑hailing and/or p‑hailing drivers are eligible to join i-Saraan Plus.
What is e-hailing and p-hailing?
e-hailing:
- e-hailing refers to the service of transporting passengers using private vehicles. Bookings are made through electronic mobile applications that connect drivers with passengers needing transportation.
p-hailing:
- p-hailing refers to the service of delivering food, drinks, or parcels. Orders are received via mobile applications, requiring the rider to collect items from a vendor and deliver them to a customer.
How can a member join i-Saraan Plus?
Participation in i-Saraan Plus is automatic once a member makes a voluntary contribution through their respective service provider under the e-hailing and/or p-hailing sector.
Can public service employees under the pensionable service scheme participate in i-Saraan Plus?
Yes. Public service employees who are currently employed under the pensionable service scheme and are under the age of 60 are eligible to participate in i-Saraan Plus, provided they are working as e-hailing and/or p-hailing drivers. The voluntary EPF contributions must be made through their respective service providers under the e-hailing and/or p-hailing sector.
Can members who are currently serving in the military or military retirees participate in i-Saraan Plus?
Yes, military members who are still serving or military retirees are eligible to participate in i-Saraan Plus, provided they are working as e-hailing and/or p-hailing drivers. The voluntary EPF contributions must be made through their respective service providers under the e-hailing and/or p-hailing sector.
How to contribute for i-Saraan Plus?
i-Saraan Plus contribution must be made by the service provider under the e-hailing and/or p-hailing sector via i-Akaun (Employer).
Can i-Saraan Plus participants make non-platform-based contribution payments?
Yes. i-Saraan Plus participants may make voluntary contributions through existing channels to maximise the Government special incentive.
Existing channels to make voluntary contribution payments are as follows:
- KWSP i‑Akaun app or i-Akaun (Member) web portal
- Internet Banking
- Bank Agent Counters – BSN, Maybank, Public Bank & RHB Bank
- Registered Bank Agents (EB) – BSN
- Debit Card payments via EPF Mobile Team / Relationship & Advisory (RA) services
- Self-Service Terminals (SST) – Payments using debit cards at EPF offices
What is the i-Saraan Plus special incentive amount?
The i-Saraan Plus special incentive rate is 20% (up to a maximum of RM600 per year) of the total voluntary contributions received in the current year*.
*Lifetime incentive limit of RM6,000 or upon reaching the age of 60, whichever comes first (subject to terms and conditions).
What is the contribution amount required to receive the maximum i-Saraan Plus special incentive of RM600 per year?
Members qualify for the special incentive based on a matching contribution of 20% (up to a maximum of RM600) of the total voluntary contributions made by the member in the current year. To receive the maximum special incentive of RM600 per year, members must contribute at least RM3,000 per year under i-Saraan Plus.
Refer to the illustration below:
| Member | Total Contribution Accumulated for Current Year |
Annual Amount of Special Incentive |
|---|---|---|
Ahmad Baba Kevin |
RM1,000 RM3,000 RM5,000 |
RM200 RM600 RM600 |
When does the i-Saraan Plus lifetime special incentive limit of RM6,000 come into effect?
The i-Saraan Plus lifetime special incentive limit of RM6,000 applies to contributions made through service providers under the e-hailing and/or p-hailing sector, starting from 2026 for members newly qualify for i-Saraan Plus.
For existing members who qualify for i-Saraan Plus and have previously received i-Saraan incentives, the lifetime special incentive limit will be increased to RM6,000, calculated based on incentives received since 2024.
Can i-Saraan Plus participants eligible to receive the special i-Saraan incentive and the i-Saraan Plus incentive at the same time?
No. Members are only eligible to receive one (1) incentive in the current year.
When will the i-Saraan Plus special incentive payment be credited into the member's EPF account?
The i-Saraan Plus special incentive payment will be credited to the member's EPF account twice a year (subject to the receipt of special incentive payments from the Government).
Can members apply for a refund of i-Saraan Plus contributions that have been made to EPF?
No. All i-Saraan Plus contributions paid to the EPF are final. Therefore, members must provide consent to the service provider before the contribution payment is made.
How is the i-Saraan Plus contribution credited into members' account?
i-Saraan Plus contributions will be credited into Akaun Persaraan (Account 1), Akaun Sejahtera (Account 2), and Akaun Fleksibel (Account 3) according to the distribution rates of 75%, 15%, and 10%.
For members who have reached the age of 55, all i-Saraan Plus contributions will be credited into Akaun Emas.
How is the i-Saraan Plus special incentive credited into members' accounts?
The i-Saraan Plus special incentive will be credited into Akaun Persaraan (Account 1) for members below the age of 55. For members who have reached the age of 55, the special incentive will be credited into Akaun Emas.
Frequently Asked Question
What is i-Saraan?
i-Saraan is a voluntary contribution facility introduced by EPF. It allows self-employed members, individuals with no fixed income, and gig economy sector workers to contribute towards their retirement savings while receiving a government special incentive, subject to the terms and conditions set by EPF.
What improvements has the government announced for i-Saraan?
The government has increased the special incentive rate for i-Saraan from 15% to 20% to encourage more Malaysians, especially those in the informal sector or without a fixed income, to save for retirement.
However, the maximum annual special incentive remains RM500 per year and RM5,000 for a lifetime, or until the member reaches the age of 60, whichever comes first.
What are the requirements to apply for i-Saraan?
To apply for i-Saraan, the member must meet the following requirements:
- Registered as an EPF member
- Malaysian citizen
- Below 60 years of age
- Self-employed individuals with no fixed income, civil service members under a pension scheme, or workers in the gig economy sector
Can members who have reached the age of 55 register i-Saraan?
Yes. EPF members who are Malaysian citizens and have not reached the age of 60 can register for i-Saraan.
Can members who have reached the age of 60 register i-Saraan?
No. i-Saraan is only open to EPF members who have not reached the age of 60.
Can members who are civil service employees under a pension scheme apply for i-Saraan?
Yes. Civil service employees who are under the pension scheme and below the age of 60 are eligible to register for i-Saraan.
Can members who are currently serving in the military apply for i-Saraan?
Yes. Military members who are still serving can apply for i-Saraan if they are registered as EPF members.
What is the current i-Saraan special incentive rate?
The i-Saraan special incentive rate is 20% of the total voluntary contributions made in the current year, up to a maximum of RM500 per year.
The special incentive is subject to a lifetime maximum of RM5,000 or until the member reaches the age of 60, whichever comes first.
Subject to terms and conditions.
When does the lifetime special incentive maximum limit of RM5,000 take effect?
The RM5,000 lifetime special incentive limit takes effect from 2024, based on contributions made from 2024 onwards.
How is the lifetime maximum limit calculated?
The lifetime maximum limit is calculated based on the cumulative total of annual Special Incentives and is limited to RM5,000 or upon reaching the age of 60, whichever comes first.
Example:
Abu contributes i-Saraan and receives the Special Incentive for the years 2024 and 2025.
| Year | Annual Amount Special Incentives |
|---|---|
2024 2025 |
RM500 RM500 |
The total accumulated Special Incentive he received is RM1,000.
The i-Saraan Special Incentive that he is still eligible to receive is RM4,000 (RM5,000-RM1,000).
What are the payment channels for i-Saraan contributions?
Members can make i-Saraan contribution payments through the following channels:
- KWSP i-Akaun app
- Internet banking
- Bank agent counters – BSN, Maybank, Public Bank & RHB Bank
- Registered bank agent – (EB) BSN
- Payment by cheque or bank draft at EPF office receipting counters, or
- Debit Card payments through the EPF Mobile Team/ Relationship & Advisory (RA) services.
- Self-Service Terminal (SST) – Payment using debit card through a payment terminal at the selected EPF office
How much do I need to contribute to receive the maximum RM500 annual i-Saraan incentive?
To qualify for the maximum annual special incentive of RM500, members need to contribute at least RM2,500 per year under i-Saraan.
Note: Members are eligible to receive the special incentive based on matching contribution of 20% (up to a maximum of RM500) for the total voluntary contributions made for the current year.
| Member | Total Contribution Accumulated for Current Year |
Annual Amount of Special Incentive |
|---|---|---|
Ahmad Baba Kevin |
RM1,000 RM2,500 RM5,000 |
RM200 RM500 RM500 |
What are the benefits of i-Saraan?
Members who contribute under i-Saraan can obtain the following benefits:
- Increase retirement savings with government special incentives
- Earn annual dividends on EPF savings
- Death benefit (subject to EPF terms and conditions)
- Tax relief eligibility (subject to IRB terms and conditions)
When will the i-Saraan special incentive be credited to the member’s EPF account?
The i-Saraan special incentive will be credited to the member’s EPF account twice a year, subject to the receipt of special incentive payments from the Government.
Can members request a refund for i-Saraan contribution payment?
No. All i-Saraan contributions paid to EPF are final. Members should ensure that the payment details are correct before completing the transaction.
What happens if i-Saraan contributions are made after the age of 55?
All i-Saraan contributions received after the member reaches 55 years old will be credited into Akaun Emas and can only be withdrawn once the member reaches the age of 60.
How are i-Saraan contributions credited to a member’s account?
i-Saraan contributions will be credited into the following EPF accounts according to the distribution ratio below:
| EPF Account | Distribution |
|---|---|
Akaun Persaraan (Account 1) Akaun Sejahtera (Account 2) Akaun Fleksibel (Account 3) |
75% 15% 10% |
For members who have reached 55 years old, 100% of the contributions will be credited to Akaun Emas.
How is the i-Saraan special incentive credited to the member’s account?
The i-Saraan special incentive will be credited to Akaun Persaraan (Account 1) for members who are below 55 years old.
For members who have reached 55 years old, the special incentive will be credited to Akaun Emas.
What are the payment methods for i-Saraan contributions?
The payment methods for i-Saraan contributions are as follows:
1. One-time payment via:
- KWSP i-Akaun app
- Internet banking
- Registered bank agents
- Bank agent counters
- Payment by cheque or bank draft at EPF office receipting counters
- Debit card payment through the EPF Mobile Team / Relationship Advisory (RA) services
- Self-Service Terminal (SST) at the selected EPF office
2. Recurring contribution (Auto Simpan) via:
- KWSP i-Akaun app
- i-Akaun (Member) web portal.
How do I register for Auto Simpan?
Members can register Auto Simpan through the KWSP i-Akaun app or the i-Akaun (Member) web portal to enable automatic monthly contributions via DuitNow AutoDebit.
- Log in to the KWSP i-Akaun app or i-Akaun (Member) web portal;
- On the Home page, click the Savings tab;
- Click on "Increase Your Savings";
- Select “Activate Auto Simpan”;
- The Auto Simpan introduction screen will be displayed. Click “Continue”;
- Set your contribution amount and monthly deduction date;
- Select your bank;
- Confirm your contribution details, tick to agree with the Terms & Conditions, and click “Continue”;
- Log in to your bank account to authorise the Auto Simpan registration;
- A confirmation message will be displayed. Click “Done” to complete the Auto Simpan registration process.
A visual guide is available here.