i-Sayang is an initiative introduced by the government that allows the husband (contributor) to transfer the 2% employee share contribution received from the employer to the wife's (recipient) EPF account.​

Who Can Apply

Eligibility Of The Husband (Contributor)

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Malaysian or non-Malaysian​
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EPF Member​
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Below 75 years of age​
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Marriage that has been registered under Malaysian Law​

Eligibility Of The Wife (Recipient)

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Malaysian​
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EPF Member​
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Below 75 years of age​
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Marriage that has been registered under Malaysian Law​
Features
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Transfer of 2% employee share contribution received from the employer to the wife’s EPF account.​
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The application is made voluntarily by the husband, and the transfer occurs automatically each month when an employer contribution is credited to the husband's EPF account.​
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The transfer of this contribution cannot be cancelled unless the wife divorces or dies.​
How To Register For i-Sayang?
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 i-Akaun (Member)​
The husband can register i-Sayang via i-Akaun (Member) by following the i-Sayang Registration User Guide.​
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EPF Offices
Visit any EPF office. Fill in and bring i-Sayang Application Form – KWSP 16G (SY).​

Frequently Asked Questions

General Questions

Frequently Asked Question

i-Sayang (General FAQ Accordion)

Are there any supporting documents I need to provide for i‑Sayang registration?​

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No. If you and your wife meet all the requirements, then you're eligible to register.​


Can The husband (contributor) apply more than 2% of the i-Sayang contribution to the wife's (recipient) account?

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Unfortunately, no. Currently, i-Sayang contribution transfer is limited to 2% only.​


Can the wife apply to transfer her EPF contribution to the husband’s EPF account?

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No, the wife cannot transfer her EPF contributions to the husband’s (contributor) EPF account because i-Sayang initiative only allows the transfer of contribution from the husband’s (contributor) EPF account to the wife’s (recipient) EPF account.


Can I cancel my i-Sayang registration?​

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i-Sayang registration which has already been approved regrettably cannot be canceled without any reason. Husband can only cancel it if divorce occurs, or the wife passes on.​

Note: In the event of divorce or wife’s passing, the husband has to go to the nearest EPF branch to cancel the registration. Any delay in informing this matter to the EPF will result in the continuous transfer of the husband’s contribution to the wife’s EPF account.​


How is the 2% i-Sayang contribution from employee share calculated?​

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The formula for calculating the transfer of 2% from employee share contributions is calculated as follows:


 

Example:

a) Husband's wages: RM2000.00

b) Employee share statutory rate: 11%

c) Employee share contribution amount: RM220.00. (RM2,000 x 11%)

The transfer amount is: RM 40.00


How is the 2% transfer amount from the husband to the wife calculated when the husband contributes more than the statutory rate (Voluntary Excess)?​

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The 11% employee share contribution amount will include the Voluntary Excess amount (additional (%) contribution chosen by the member). Therefore, the amount transferred to the wife's account will also include the husband's Voluntary Excess amount.

Example:


 

a) Husband's wages : RM2000.00

b) Employee share statutory rate : 11%

c) Additional Contribution Rate (VE) : 3%

d) Total share of husband's employees : 11%+3% = 14%

e) The employee share contribution amount is RM280.00 (RM2000.00 x 14%)

f) The transfer amount is : RM 51.00


Is the contributor (husband) of i-Sayang eligible to receive any special incentives?​

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Not eligible.


Is the recipient of i-Sayang (wife) eligible to receive any special incentives? ​

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There is no special incentive given to the contributor (husband) and recipient (wife).


Questions Related To Registration

Frequently Asked Question

i-Sayang (Registration FAQ Accordion)

How is the i-Sayang registration application performed?

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The i-Sayang registration application is performed voluntarily by the husband (contributor) through 2 channels:
i. i-Akaun (Member); OR
ii. Nearest EPF with the completed i-Sayang Registration Application Form - KWSP 16G (SY)


How can the husband (contributor) register i-Sayang online?

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The husband (contributor) can register i-Sayang via i-Akaun (Member) by following the i-Sayang Registration User Guide.


Where can the husband (contributor) obtain the i-Sayang Registration Application Form - EPF Form 16G (SY)?

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The i-Sayang Registration Application Form - KWSP 16G (SY) can be found on the KWSP website.


Can the wife register i-Sayang or represent the husband to register i-Sayang?​

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Unfortunately, no. i-Sayang registration can only be done voluntarily by the husband.​


Can the husband and wife check the i-Sayang registration status?​

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Only the husband can check i-Sayang registration through i-Akaun (Member).​


Can the i-Sayang registration be made for other than the wife?​

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Registration is for legal wives registered under Malaysian law only. The husband is responsible for any inaccuracy of the wife's (recipient) information.​


Questions related to Cancellation

Frequently Asked Question

i-Sayang (Cancellation FAQ Accordion)

Can the husband (contributor) cancel i-Sayang contribution via i-Akaun?

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Unfortunately, no. i-Sayang contribution cancellation process can only be done at the EPF Counter as the husband (contributor) has to submit supporting documents.​


How long does the cancellation of the i-Sayang contribution take?

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The i-Sayang contribution cancellation takes a month after the request is made.


What are the supporting documents required during i-Sayang cancellation process?

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Supporting documents required for the i-Sayang cancelation process are as follows:​
i. Divorce Certificate; OR
ii. Wife's (recipient) Death Certificate​


Other Questions

Frequently Asked Question

i-Sayang (Other FAQ Accordion)