Self-contribution serves as an option to those who want to voluntarily grow their retirement savings with EPF.
Who Can Apply
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Malaysian & Permanent Resident​
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EPF member​
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Below 75 years of age

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. 

Self-Contribution (Payment Channel Accordion)

Contribution Limit

Minimum: RM1.00

Subject to payment channels

Maximum: RM100,000 per year

The maximum accumulated limit for Voluntary Contributions (Self Contribution, i-Saraan Contribution, i-Suri Contribution and Account 1 Top-up Savings Contribution) across all payment channels is RM100,000 per year.​

Frequently Asked Questions

Self-Contribution

Frequently Asked Question

Self-Contribution (FAQ Accordion)

Is Self-Contribution available for everyone?

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Self Contribution is only available to Malaysian citizens or permanent residents who are EPF members.


I am an expatriate/foreign worker who has a work permit in Malaysia; am I eligible to make a Self-Contribution?

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No, it is only eligible to registered EPF members who are either Malaysian citizens or permanent residents.


If I am a salaried employee, can I still make a Self-Contribution?​

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Yes, you can.​


Can I request a refund of my Self-Contribution?​

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No. Every Self-Contribution paid into EPF is considered valid and final. Therefore, members are required to ensure the accuracy of payment details before completing the transaction. ​


What does it mean when the statement reads 'You have RM XXXX.XX remaining contribution limit for this year'?​

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This statement refers to members' remaining contribution limit for the year.​

The calculation formula is as follows:​

Maximum annual amount of Voluntary Contribution DEDUCT total Voluntary Contribution from all payment channels that have been credited to the member's EPF account = balance of this year annual contribution limit.​

Example:​

RM100,000 – RM312 = RM99,688.​

 

Important reminder: Contributions made on the same day but using different channels, have not yet been taken into account as the contribution limit for the year.

Am I allowed to contribute more than the maximum amount (RM100,000)?

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No, any contributions that exceed the limit will be refunded to the member.​


What happens if I make a Self-Contribution payment after turning the age of 55?​

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Your contributions will be deposited into Akaun Emas and can only be withdrawn after you reach the age of 60.


Can I make Self-Contribution payment through KWSP i-Akaun app?​

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Yes. You can now make Self-Contribution payment exclusively via our KWSP i‑Akaun app


How do I make Self-Contribution via KWSP i-Akaun app?​

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Step 1: Log in to KWSP i-Akaun app​

Step 2: Click "Increase your savings"​

Step 3: Enter your contribution amount​

Step 4: Select your bank​

Step 5: Confirm your contribution details and click continue​

Step 6: Accept the Terms & Conditions​

Step 7: Log in to your online banking account and make the payment via FPX​

Step 8: Transaction is complete! Download the receipt to save as a copy​


Which banks are supported for FPX internet banking?​

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  • Maybank​
  • Public Bank​
  • CIMB Bank​
  • RHB Bank​
  • Affin Bank​
  • Alliance Bank Malaysia​
  • AmBank​
  • Bank Islam Malaysia​
  • Bank Muamalat​
  • Bank Rakyat​
  • Bank Simpanan Nasional (BSN)​
  • Bank of China (M) Berhad​​
  • Deutsche Bank​
  • Hong Leong Bank​
  • HSBC​
  • Kuwait Finance House​
  • OCBC​
  • Standard Chartered Bank​
  • UOB

How long does it take for the payment to be credited into an EPF member's account?

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Self-Contribution payment will be credited to member's EPF account at least in three (3) working days for electronic payment and seven (7) working days for non-electronic payment. 


Voluntary Contribution

Frequently Asked Question

Voluntary Contribution FAQ Accordion

What is a Voluntary Contribution payment through the member i‑Akaun mobile application?

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Allow members to make Voluntary Contribution payments exclusively via the KWSP i‑Akaun app.


How do I make Voluntary Contribution via i-Akaun app?

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Here is how you can make your voluntary contribution via i-Akaun app:


What is the amount limit for Voluntary Contribution payment via KWSP i-Akaun mobile app?

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Minimum amount for Voluntary Contributions payment via the KWSP i-Akaun app is RM10.​

​The maximum accumulated limit for Voluntary Contributions (Self Contribution, i-Saraan Contribution, i-Suri Contribution and Account 1Top-up Savings Contribution) across all payment channels is RM100,000 per year.​


What is meant by the statement ‘you have RM XXXX.XX remaining contribution limit for this year.’

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This statement refers to members' remaining contribution limit for the year.

 

The calculation formula is as follows:

Maximum annual amount of Voluntary Contribution DEDUCT total Voluntary Contribution from all payment channels that have been credited to the member's EPF account = balance of this year annual contribution limit.

 

Example:

RM100,000 – RM312 = RM99,688.

Important reminder: Contributions made on the same day but using different channels, have not yet been taken into account as the contribution limit for the year.

What is the list of banks supported for FPX internet banking?

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• Maybank
• Public Bank
• CIMB Bank
• RHB Bank
• Affin Bank
• Alliance Bank Malaysia
• AmBank
• Bank Islam Malaysia
• Bank Muamalat
• Bank Rakyat
• Bank Simpanan Nasional (BSN)
• Bank of China (M) Berhad
• Deutsche Bank
• Hong Leong Bank
• HSBC
• Kuwait Finance House
• OCBC
• Standard Chartered Bank
• UOB


When will the Voluntary Contribution payment via i-Akaun mobile application be credited to the member's EPF account?

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The Voluntary Contribution payment will be credited to member’s EPF account at least in three working days after the bank transferred the payment to the EPF.


Can I request a refund of my Voluntary Contribution?

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You can't do that at all. Each and every amount of Voluntary Contribution paid into EPF is valid and final. As a result, members are obligated to check that the payment details are accurate before completing the transaction.


Is it allowed for me to contribute more than the maximum amount?

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No, you can't do it. Voluntary Contributions in excess of the maximum amount will be refunded to the member.


What happens if I make a Voluntary Contribution payment after the age of 55?

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All contributions received after the member reaches the age of 55 are deposited into Akaun Emas and can only be withdrawn after the member reaches the age of 60.