i-Simpan: Contribute Voluntarily
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.
Minimum: RM1
Maximum: RM100,000 per year
Forms
Frequently Asked Questions
1. What is i-Simpan
i-Simpan is a voluntary contribution option that allows members to increase their retirement savings flexibly by making additional contributions to their EPF account.
2. Who is eligible to make i-Simpan?
i-Simpan is available to Malaysian citizens or permanent residents who are registered EPF members and are below the age of 75.
3. Can salaried employees make i-Simpan?
Yes. Salaried employees can make i-Simpan in addition to the mandatory monthly contributions made by their employer. This contribution is voluntary and can be made based on member’s financial capacity.
4. How can I make i-Simpan payments via the KWSP i-Akaun app or the i-Akaun (Member) web portal?
Members can make i-Simpan payments via the KWSP i-Akaun app or the i-Akaun (Member) web portal using the online payment service, FPX. Follow these steps:
- Log in to your KWSP i-Akaun app or the i-Akaun (Member) web portal.
- Click on "Increase Your Savings" on the Home or Savings tab.
- On the top tab, select "Self" and follow the on-screen instructions until completion.
- Download the receipt for record-keeping.
Note: The list of participating banks for FPX payments can be found in Question 5.
5. Which banks support FPX payments for i-Simpan?
The following banks support FPX payments for this feature:
- Affin Bank
- Agro Bank
- Alliance Bank Malaysia
- AmBank
- Bank Islam Malaysia
- Bank Muamalat
- Bank of China
- Bank Rakyat
- Bank Simpanan Nasional (BSN)
- CIMB Bank
- Hong Leong Bank
- HSBC Bank
- Kuwait Finance House
- Maybank
- OCBC Bank
- Public Bank
- RHB Bank
- Standard Chartered Bank
- UOB Bank
6. How long does it take for an online i-Simpan payment via i-Akaun (Member) to be credited into my EPF account?
i-Simpan payments made online via the KWSP i-Akaun app or i-Akaun (Member) web portal will be credited into the member's EPF account within at least three (3) working days after the bank transfers the payment to EPF.
7. What happens if my i-Simpan exceeds the RM100,000 annual voluntary contribution limit?
Any i-Simpan payment that exceeds the RM100,000 annual cumulative voluntary contribution limit will be refunded to the member.
8. Can I get a refund for an i-Simpan payment made to EPF?
No. i-Simpan payments are non-refundable once credited to a member's account. All payments made to EPF are valid and final, so ensure all information is accurate before proceeding with the payment transaction.
9. What does the statement “You have a remaining contribution limit of RMXXXXX for this year” mean?
This statement refers to the remaining Voluntary Contribution limit (i-Simpan, i-Saraan, i-Suri, and Akaun Persaraan Top-Up Savings) that a member may still contribute for the year via the KWSP i-Akaun app, i-Akaun (Member) web portal, and Self-Service Terminal (SST).
The calculation formula is as follows:
(Annual maximum Voluntary Contribution amount) – (Total voluntary contributions from all payment channels that have been credited to member's EPF account) = Remaining Voluntary Contribution amount for the year
Example: RM100,000 – RM312 = RM99,688
Important reminder: Contributions made on the same day through different channels may not yet be reflected in the total contribution amount for the year.
10. What happens if I make an i-Simpan contribution after reaching age 55?
Any i-Simpan contributions received after a member reaches age 55 will be credited to their Akaun Emas. These savings can only be withdrawn once the member reaches age 60 through the Age 60 Withdrawal. However, members are not permitted to make contributions after reaching the age of 75.
1. What is EPF Auto Simpan?
EPF Auto Simpan is an enhancement to the existing voluntary contribution facility that lets members set up automatic, recurring monthly contributions into their EPF account. Members can choose their preferred contribution amount and monthly deduction date to grow their savings consistently.
2. Are there any charges for using Auto Simpan?
No charges are imposed for using the Auto Simpan feature.
3. How do I register for Auto Simpan?
Members can register for Auto Simpan via the KWSP i-Akaun app or the i-Akaun (Member) web portal to enable automatic and recurring monthly contributions using the DuitNow AutoDebit service. Follow these steps:
- 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.
4. Which banks support Auto Simpan payments via DuitNow AutoDebit?
The following banks currently support Auto Simpan payments via DuitNow AutoDebit through the KWSP i-Akaun app or the i-Akaun (Member) web portal:
- RHB
- AmBank
- Maybank
- CIMB Bank
- Bank Islam Malaysia Berhad
- Bank Muamalat Malaysia Berhad
- Hong Leong Bank Berhad
Note: The list of participating banks will be updated from time to time.
5. Can I use someone else's bank account to register for Auto Simpan?
No. Members can only use their own active bank account. Using another person’s account is not permitted to avoid any issues during monthly deductions.
6. What are the minimum and maximum contribution limits for Auto Simpan?
The Auto Simpan contribution limits are:
- Minimum: RM10.
- Maximum: RM100,000.
Note: The annual cumulative limit for all voluntary contributions (i-Simpan, i-Saraan, i-Suri, and Akaun Persaraan Top-Up Savings) across all payment channels is RM100,000.
7. Can I change my Auto Simpan contribution amount or deduction date after registration?
No. The deduction date and contribution amount selected during registration will be applied on a recurring basis each month and cannot be changed as long as the Auto Simpan is active. To change any of these details, member must cancel the existing Auto Simpan and re-register with the new date or amount via the KWSP i-Akaun app or the i-Akaun (Member) web portal.
8. Why can't I select an earlier deduction date when registering for Auto Simpan?
For processing purposes, the system only allows the selection of a deduction date starting two (2) days after the registration date.
Example:
If members register on the 1st of the month, the earliest available deduction date will be from the 3rd onwards.
9. What happens to my Auto Simpan deduction if the selected date doesn't exist in a particular month?
If the selected deduction date doesn't exist in a particular month (e.g. the 29th, 30th, or 31st), the deduction will be made on the last day of that month.
Example:
- If members choose the 31st as their monthly deduction date, the deduction for September will be made on the 30th.
- If members choose the 30th as their monthly deduction date, the deduction for February will be made on the 28th (or 29th in a leap year).
10. How do I check my Auto Simpan registration status?
Members can check the status of their Auto Simpan registration through the KWSP i-Akaun app or the i-Akaun (Member) web portal by following these steps:
- Go to the “Profile”
- Select “Auto Transactions”
- Click “Auto Simpan Records”
If the registration is successful, they will also receive a notification via push notification and a message in Inbox, accessible through the KWSP i-Akaun app or the i-Akaun (Member) web portal.
11. What happens to my Auto Simpan if my total voluntary contributions exceed the annual limit of RM100,000?
Your Auto Simpan status will remain active. However, monthly deductions will stop for the rest of the year once the annual voluntary contribution limit of RM100,000 has been reached, including contributions under i-Simpan, i-Saraan, i-Suri and Akaun Persaraan Top-up Savings.
Monthly deductions will automatically resume in the following year. Members will also receive a notification through the KWSP i-Akaun app and the i-Akaun (Members) web portal.
12. Why did my Auto Simpan deduction fail?
Auto Simpan deduction may have failed due to one of the following reasons:
- Insufficient funds in member’s bank account.
- DuitNow AutoDebit payment authorisation has expired or is invalid.
- A technical disruption occurred during the payment transaction.
- The payment transaction was blocked or declined by the bank.
13. What should I do if my Auto Simpan deduction is unsuccessful?
If the deduction is unsuccessful, members can contribute manually via Increase Your Savings by selecting “Contribute to Myself” in the KWSP i-Akaun app or i-Akaun (Member) web portal, to keep their EPF savings on track.
14. How do I cancel Auto Simpan?
Auto Simpan can be cancelled at any time via the KWSP i-Akaun app or i-Akaun (Member) web portal:
- Auto Simpan tab: Select “Increase Your Savings” card → Select “Auto Simpan” tab → Select “View Details” → Select “Cancel Auto Simpan”.
- Profile: Select “Profile” → Select “Auto Transaction” → Select “Auto Simpan records” → Select “Cancel Auto Simpan”.
15. When is Auto Simpan automatically terminated?
Auto Simpan is automatically terminated if:
- The member has reached the age of 75.
- The member’s EPF account is closed due to Leaving the Country Withdrawal or Death Withdrawal.
16. How can I get help if I encounter issues with Auto Simpan?
If members need further assistance regarding Auto Simpan, they may contact EPF through the following channels:
- Enquiry Form on the official EPF website.
- WhatsApp KWSPMalaysia.
- EPF Contact Management Centre.
- Nearest EPF office.
1. What is contribution to other members?
Contribution to other members allows EPF members or payers to make voluntary contributions to their loved ones’ EPF accounts, such as those of parents, spouse, or siblings. It extends the existing i-Simpan facility, which previously only covered contributions to one’s own account.
2. Who is eligible to receive contributions from other members?
The recipient must be a registered EPF member who is a Malaysian citizen or permanent resident and below the age of 75.
3. How do I contribute to another EPF member's account?
Contribution payments to other members can be made via the KWSP i-Akaun app or the i-Akaun (Member) web portal using the online payment service, FPX. Follow these steps:
- Log in to your KWSP i-Akaun app or the i-Akaun (Member) web portal.
- Click on "Increase Your Savings" on the Home or Savings tab.
- Select "Contribute to other members" and follow the on-screen instructions until completion.
- Download the receipt for record-keeping.
A visual guide is available here.
Note: The list of banks participating in FPX payments can be found in Question 4.
4. Which banks support FPX payments for contributing to other EPF members?
The following banks support FPX payments for this feature:
- Affin Bank
- Agro Bank
- Alliance Bank Malaysia
- AmBank
- Bank Islam Malaysia
- Bank Muamalat
- Bank of China
- Bank Rakyat
- Bank Simpanan Nasional (BSN)
- CIMB Bank
- Hong Leong Bank
- HSBC Bank
- Kuwait Finance House
- Maybank
- OCBC Bank
- Public Bank
- RHB Bank
- Standard Chartered Bank
- UOB Bank
5. How long does it take for contribution payment to other members to be credited to the recipient's EPF account?
Contributions to other members made via the KWSP i-Akaun app will be credited into the recipient's EPF account within at least three (3) working days after the bank transfers the payment to EPF.
6. What happens if contributions made to another member cause the recipient’s total voluntary contributions to exceed the annual limit of RM100,000?
Any contribution payment to other member that causes the recipient’s total voluntary contributions to exceed the annual limit of RM100,000 will be refunded to the recipient.
7. Can I get a refund if I made a contribution to another EPF member's account?
No, contributions made to another member are non-refundable once credited to the recipient's account, as all payments made to EPF are valid and final. Payers should verify that all information is accurate before proceeding with the payment transaction.
8. What happens when contributions to other members are received after the recipient turns 55?
All contributions received after the recipient turns 55 will be credited to their Akaun Emas and can only be withdrawn at 60 through the Age 60 Withdrawal. Payers cannot make payments once the recipient reaches 75 via the KWSP i-Akaun app or i-Akaun (Member) web portal.
Frequently Asked Question
Is Self-Contribution available for everyone?
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?
Self-Contribution is available only to Malaysian citizens or permanent residents who are EPF members.
If I am a salaried employee, can I still make a Self-Contribution?
Yes, you can.
Can I request a refund of my Self-Contribution?
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'?
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.
Am I allowed to contribute more than the maximum amount (RM100,000)?
No, any contributions that exceed the limit will be refunded to the member.
Can I make Self-Contribution payment through KWSP i-Akaun app?
Yes. You can now make Self-Contribution payment or Contribution to Others via our KWSP i-Akaun app.
How do I make a contribution via the KWSP i-Akaun app?
Self-Contribution
Step 1: Log in to KWSP i-Akaun app
Step 2: Click "Increase savings" on Home or Savings tab
Step 3: Choose "Contribute to myself"
Step 4: Enter your contribution amount
Step 5: Select your bank
Step 6: Confirm your contribution details and click continue
Step 7: Accept the Terms & Conditions
Step 8: Log in to your online banking account and make the payment via FPX
Step 9: Transaction is complete! Download the receipt to save as a copy
Contribute to Other Members
Step 1: Log in to KWSP i-Akaun app
Step 2: Click "Increase savings" on Home or Savings tab
Step 3: Select “Contribute to other members”
Step 4: Enter recipient's MyKad/MyPR number
Step 5: Enter contribution amount
Step 6: Select your bank
Step 7: Confirm contribution details and click continue
Step 8: Accept the Terms & Conditions
Step 9: Log in to your online banking account and make the payment via FPX
Step 10: Transaction is complete! Download the receipt to save as a copy
Which banks are supported for FPX internet banking?
- 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?
Voluntary 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.
How do I make Voluntary Contribution via KWSP i-Akaun app?
Here is how you can make your Voluntary Contribution via KWSP i-Akaun app:
What is the amount limit for Voluntary Contribution payment via KWSP i-Akaun app?
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 Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year.
What does it mean when the statement reads ‘You have RM XXXX.XX remaining contribution limit for this year’?
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.
What is the list of banks supported for FPX internet banking?
• 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 KWSP i-Akaun app be credited to the member's EPF account?
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?
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?
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 contribution payment after the age of 55?
All contributions received after a member reaches the age of 55 will be deposited into Akaun Emas and can only be withdrawn upon reaching the age of 60. However, members are not permitted to make contribution payment once they reach the age of 75.
Frequently Asked Question
Is Self-Contribution available for everyone?
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?
Self-Contribution is available only to Malaysian citizens or permanent residents who are EPF members.
If I am a salaried employee, can I still make a Self-Contribution?
Yes, you can.
Can I request a refund of my Self-Contribution?
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'?
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.
Am I allowed to contribute more than the maximum amount (RM100,000)?
No, any contributions that exceed the limit will be refunded to the member.
Can I make Self-Contribution payment through KWSP i-Akaun app?
Yes. You can now make Self-Contribution payment or Contribution to Others via our KWSP i-Akaun app.
How do I make a contribution via the KWSP i-Akaun app?
Self-Contribution
Step 1: Log in to KWSP i-Akaun app
Step 2: Click "Increase savings" on Home or Savings tab
Step 3: Choose "Contribute to myself"
Step 4: Enter your contribution amount
Step 5: Select your bank
Step 6: Confirm your contribution details and click continue
Step 7: Accept the Terms & Conditions
Step 8: Log in to your online banking account and make the payment via FPX
Step 9: Transaction is complete! Download the receipt to save as a copy
Contribute to Other Members
Step 1: Log in to KWSP i-Akaun app
Step 2: Click "Increase savings" on Home or Savings tab
Step 3: Select “Contribute to other members”
Step 4: Enter recipient's MyKad/MyPR number
Step 5: Enter contribution amount
Step 6: Select your bank
Step 7: Confirm contribution details and click continue
Step 8: Accept the Terms & Conditions
Step 9: Log in to your online banking account and make the payment via FPX
Step 10: Transaction is complete! Download the receipt to save as a copy
Which banks are supported for FPX internet banking?
- 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?
Voluntary 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.
How do I make Voluntary Contribution via KWSP i-Akaun app?
Here is how you can make your Voluntary Contribution via KWSP i-Akaun app:
What is the amount limit for Voluntary Contribution payment via KWSP i-Akaun app?
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 Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year.
What does it mean when the statement reads ‘You have RM XXXX.XX remaining contribution limit for this year’?
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.
What is the list of banks supported for FPX internet banking?
• 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 KWSP i-Akaun app be credited to the member's EPF account?
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?
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?
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 contribution payment after the age of 55?
All contributions received after a member reaches the age of 55 will be deposited into Akaun Emas and can only be withdrawn upon reaching the age of 60. However, members are not permitted to make contribution payment once they reach the age of 75.
Frequently Asked Questions
Frequently Asked Question
What is a Voluntary Contribution payment through the member i‑Akaun mobile application?
Allow members to make Voluntary Contribution payments exclusively via the KWSP i‑Akaun app.
How do I make Voluntary Contribution via i-Akaun app?
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?
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 Akaun Persaraan Top-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.’
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.
What is the list of banks supported for FPX internet banking?
• 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?
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?
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?
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?
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.