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 required for i-Sayang registration?
No. If you and your wife meet all the eligibility requirements, no supporting documents are needed to register for i-Sayang.
Can the husband contribute more than 2% to the wife’s account through i-Sayang?
No. Currently, the i-Sayang contribution transfer is limited to 2% of the husband’s employee share.
Can the wife transfer her EPF contributions to the husband’s EPF account through i-Sayang?
No. The i-Sayang initiative only allows contribution transfers from the husband’s EPF account to the wife’s EPF account.
How do I cancel my i-Sayang registration?
i-Sayang registration can only be cancelled in the event of a divorce or the death of the wife. In such cases, the husband must visit the nearest EPF office immediately to submit the cancellation, as any delay will result in contributions continuing to be transferred to the wife's account.
How is the 2% i-Sayang contribution from the employee’s share calculated?
The 2% i-Sayang transfer is calculated by applying the formula below to the employee's total statutory contribution.
Formula:
i-Sayang transfer amount = (2% ÷ [Employee’s Share Statutory Contribution Rate + Employee’s i-Topup Rate]) × Total Employee Contribution.
Example 1: Malaysian Citizen
| Item | Value |
|---|---|
Husband’s wages |
RM2,000 |
Employee’s Share Statutory Contribution Rate |
11% |
Employee’s i-Topup Rate |
0% |
Total Employee Contribution |
RM220 |
Calculation: (2% ÷ [11% + 0%]) × RM220 = RM40
Example 2: Non-Malaysian Citizen
| Item | Value |
|---|---|
Husband’s wages |
RM2,000 |
Employee’s Share Statutory Contribution Rate |
2% |
Employee’s i-Topup Rate |
0% |
Total Employee Contribution |
RM40 |
Calculation: (2% ÷ [2% + 0%]) × RM40 = RM40
i-Sayang transfer amount: RM40
How is the 2% transfer amount from the husband to the wife calculated if the husband contributes more than the statutory rate (i-Topup)?
The 2% i-Sayang transfer amount is calculated using the formula below, which accounts for both the employee's statutory contribution rate and any i-Topup contribution.
Formula:
i-Sayang transfer amount = (2% ÷ [Employee’s Share Statutory Contribution Rate + Employee’s i-Topup Rate]) × Total Employee Contribution.
Example 1: Malaysian Citizen
| Item | Value |
|---|---|
Husband’s wages |
RM2,000 |
Employee’s Share Statutory Contribution Rate |
11% |
Employee’s i-Topup Rate |
3% |
Total Employee Contribution |
RM280 (RM2,000 x [11%+3%]) |
Calculation: (2% ÷ [11% + 3%]) × RM280 = RM40
Example 2: Non-Malaysian Citizen
| Item | Value |
|---|---|
Husband’s wages |
RM2,000 |
Employee’s Share Statutory Contribution Rate |
2% |
Employee’s i-Topup Rate |
3% |
Total Employee Contribution |
RM100 (RM2,000 x [2%+3%]) |
Calculation: (2% ÷ [2% + 3%]) × RM100 = RM40
i-Sayang transfer amount: RM40
Is the husband contributing through i-Sayang eligible to receive any special incentives?
No. Husbands who contribute under the i-Sayang scheme are not eligible for any special incentives.
Is the wife receiving i-Sayang contributions eligible for any special incentives?
Yes, a wife who receives i-Sayang contributions is eligible for the i-Suri incentive if she is listed in the eKasih database and registered under i-Suri in the current year, subject to the applicable eligibility criteria.
Frequently Asked Question
How do I register for EPF i-Sayang?
i-Sayang registration is performed voluntarily by the husband (contributor) through the following channels:
- KWSP i-Akaun app & i-Akaun (Member) web portal
- Self-Service Terminal (SST)
- Nearest EPF branch, with the completed i-Sayang Registration Application Form KWSP 16G (SY).
How can the husband register for i-Sayang online?
The husband (contributor) can register for i-Sayang online via KWSP i-Akaun app or i-Akaun (Member) web portal by following the i-Sayang Registration User Guide.
Where can I get the i-Sayang Registration Form KWSP 16G (SY)?
The i-Sayang Registration Form KWSP 16G (SY) is available on the official KWSP website.
Can the wife register for i-Sayang or register on behalf of the husband?
No. i-Sayang registration can only be initiated voluntarily by the husband. The wife cannot register or do so on his behalf.
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?
No. i-Sayang registration is only valid for legal wives registered under Malaysian law. The husband is fully responsible for the accuracy of the wife’s (recipient) information provided during registration.
Frequently Asked Question
Can the husband cancel i-Sayang contribution online?
No, i-Sayang contribution cancellation cannot be done online. The husband (contributor) must visit the EPF office in person to submit the required supporting documents.
How long does i-Sayang cancellation take?
The i-Sayang cancellation application is processed within one (1) day. However, the actual transfer of contributions will only fully stop approximately one (1) month after the application is submitted.
What documents are required to cancel i-Sayang?
The following supporting documents are required for i-Sayang cancellation:
- Divorce Certificate; OR
- Wife’s (recipient) Death Certificate
Frequently Asked Question
When will i-Sayang contributions be credited to the wife’s EPF account?
i-Sayang contributions will be credited to the wife’s EPF account on the same day the employee contribution is credited to the husband’s EPF account.
The transfer is subject to the available balance in the husband’s sub-accounts, namely Akaun Persaraan (75%), Akaun Sejahtera (15%) and Akaun Fleksibel (10%). If the balance in the relevant sub-account is insufficient, the i-Sayang contribution transfer will not be processed.
| 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 after a delayed report of divorce or her passing?
No. Contributions already credited to the wife’s account cannot be reclaimed. The husband must report any divorce or the wife’s passing to EPF immediately to prevent further transfers.
Can the husband reclaim contributions that have been transferred to the wife’s EPF account through i-Sayang?
No. Contributions that have been transferred to the wife’s EPF account through i-Sayang cannot be reclaimed or transferred back to the husband’s EPF account.
Does the husband need the wife's consent to register for i-Sayang?
No. i-Sayang is a voluntary initiative by the husband to transfer 2% of his EPF contributions to the wife’s account. Her consent is not required for registration.
How is the i-Sayang 2% contribution divided into the wife’s EPF accounts?
EPF divides the i-Sayang 2% contribution by crediting 75% into Akaun Persaraan, 15% into Akaun Sejahtera, and 10% into Akaun Fleksibel.
Can civil servants in the pension scheme register for i-Sayang without risking government shares?
Yes. i-Sayang only involves the employee’s share and does not affect the employer’s or government contribution.
Can the husband and wife have different account types for i-Sayang contribution transfers?
Yes. Different account types, whether Simpanan Shariah or Simpanan Konvensional, between the husband and wife, do not affect the i-Sayang contribution transfer.
Why is i-Sayang contribution limited to 2%?
i-Sayang is capped at 2% because over 80% of EPF members earn RM5,000 or less. The rate gives the majority of member husbands the opportunity to provide their wives with long-term savings and income security. Husbands may also make additional contributions to the wife’s account through the voluntary contribution channel.
Do employers need to make separate contributions for employees registered under i-Sayang?
No. Employers can contribute as usual. EPF handles the separation automatically by transferring the relevant amount from the husband’s account to the wife’s account.
Is the i-Sayang contribution transfer amount shown in the husband’s and wife’s EPF statements?
Yes. The i-Sayang contribution transfer amount is shown in both the husband’s and wife’s EPF statements and can be viewed through i-Akaun (Member).
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