ahli_akaun-pengguna_penamaan.md

Nomination: How Can You Nominate? - KWSP Malaysia






























* [Skip to Main Content](#main-content)

[![](https://www.kwsp.gov.my/o/kwsp-theme/images/main_logo.png)](/)

## Menu Display




[Member](https://www.kwsp.gov.my/en/member)
[Login
![](/documents/d/guest/profile-main11)](https://iakaun.kwsp.gov.my/portal/member/login)- ![](/documents/d/guest/more)
  
  ![](/documents/d/guest/chev-left)[Back](#)
  
  [![](/documents/d/guest/register)
  Register As A Member
  How To Register And Benefits Of Becoming A Member](https://www.kwsp.gov.my/en/member/overview)
  [![](/documents/d/guest/property-1-money)
  Grow Your Savings
  Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri](https://www.kwsp.gov.my/en/member/savings)
  [![](/documents/d/guest/leaf-1)
  Financial Life Stages
  Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals](https://www.kwsp.gov.my/en/member/life-stages)
  [![](/documents/d/guest/property-1-health)
  Health Protection
  Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals](https://www.kwsp.gov.my/en/member/healthcare)
  [![](/documents/d/guest/property-1-home)
  Home Ownership
  Choices Of Housing Withdrawals](https://www.kwsp.gov.my/en/member/house-withdrawal)
  [![](/documents/d/guest/property-1-account-centre)
  Manage Your EPF Account
  Manage Account & Account Closure](https://www.kwsp.gov.my/en/member/account-centre)


[Employer](https://www.kwsp.gov.my/en/employer)
[Login
![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/employer/employer/login)- ![](/documents/d/guest/more)
  
  ![](/documents/d/guest/chev-left)[Back](#)
  
  [![](/documents/d/guest/property-1-users)
  Introduction
  Obligation To Contribute](https://www.kwsp.gov.my/en/employer/introduction)
  [![](/documents/d/guest/property-1-eye)
  Employer Responsibilities
  Registration | Responsibilities | Update & Compliance](https://www.kwsp.gov.my/en/employer/responsibilities)
  [![](/documents/d/guest/property-1-money)
  Online Platform
  Convenience At Your Fingertips](https://www.kwsp.gov.my/en/employer/online-platform)


[Corporate](https://www.kwsp.gov.my/en/corporate)
[Login
![](/documents/d/guest/profile-main11)](https://secure.kwsp.gov.my/thirdparty/login)- ![](/documents/d/guest/more)
  
  ![](/documents/d/guest/chev-left)[Back](#)
  
  [![](/documents/d/guest/property-1-eye)
  About Us
  Who We Are & What We Do](https://www.kwsp.gov.my/en/corporate/about-us)
  [![](/documents/d/guest/document-2)
  News & Highlights
  Get The Latest News](https://www.kwsp.gov.my/en/corporate/news-highlights)
  [![](/documents/d/guest/property-1-graph)
  Investment
  Investment Information And Performance](https://www.kwsp.gov.my/en/corporate/investment)
  [![](/documents/d/guest/property-1-variant15)
  Careers
  Be part of our team](https://www.kwsp.gov.my/en/corporate/careers)
  [![](/documents/d/guest/property-1-document)
  Procurement
  Apply For Tenders Or Submit Quotations](https://www.kwsp.gov.my/en/corporate/procurement)
  [![](/documents/d/guest/property-1-buildings-landmarks)
  EPF Learning Campus
  A Centre Of Excellence For Social Security](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
  [![](/documents/d/guest/property-1-human)
  Business Partners
  Check The Latest Lists](https://www.kwsp.gov.my/en/corporate/business-partners)
  [![](/documents/d/guest/property-1-variant14)
  Connect With Us
  We Are Here To Help](https://www.kwsp.gov.my/en/corporate/connect-with-us)











- [![](/documents/d/guest/frame-9780-1)](#)
  
  
  ## Search Bar
  
  
  
  
  Search Bar
  
  ![](/documents/d/guest/button)
  
  ![](/documents/d/guest/button-1)
  
  
  
  #### Suggestions :
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  ## Asset Publisher
  
  
  
  
  [![](/documents/20119/44167/Article+13+-+Retirement+for+Gig+Workers.png/07a403cf-58f4-2e92-c2e4-4c3ad013209b?t=1702010646323)](https://www.kwsp.gov.my/en/w/article/retirement-for-gig-worker)
  
  CAREER
  
  Unlocking Financial Freedom in the Gig Economy
  
  
  
  
  [![](/documents/20119/44167/Article+8+-+EPF+Housing+Withdrawal2.png/2178c92e-14ac-8209-c6fd-b7e851e7b78e?t=1706581132599)](https://www.kwsp.gov.my/en/w/article/epf-housing-withdrawal)
  
  HOUSING
  
  Now Everyone Can Own a Home with EPF
  
  
  
  
  [![](/documents/20119/44167/Article+2+-+Healthy+Lifestyle+new.png/34abd03a-7a27-f1db-70b7-79e2da6385fa?t=1706756903601)](https://www.kwsp.gov.my/en/w/article/healthy-lifestyle-tips)
  
  LIFESTYLE
  
  Being Healthy: What It Means To You

## Language Selector




EN

EN

BM












[![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo_link.png)](#)
[![](/documents/d/guest/profile-main11)](#)

![](/documents/d/guest/hamburger-menu11)







## Nomination: How Can You Nominate?

![](/documents/d/guest/banner_account_penamaan-webp?download=true)

## Breadcrumb




1. [Member](https://www.kwsp.gov.my/en/member)
2. [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)
3. Nomination







#### Nomination

Keep Your Loved Ones Secure







When you make a nomination, you are appointing an individual or institution to receive and oversee your EPF savings in the event of your demise. By planning ahead and nominating your beneficiary early, you can protect your loved ones from unnecessary complications and keep them financially secure even after you're gone.





Who Can Nominate

* Above 18 years of age





* Malaysians, Permanent Residents (PR)




* Non-Malaysians  
   (Registered as EPF Members  
   before 1 August 1998)












Who Can Apply

## Asset Publisher




![](/documents/20119/43963/Nomination+Icons.png/d8dacc77-b7d4-c018-a1da-fb9b50ab6cbd?t=1698042654103)


Death Benefit

Subject to EPF terms and conditions.




![](/documents/20119/43963/MyImpian+Icons.png/ca64974f-c890-9a74-5e5f-4e98fac2b478?t=1698042664478)


Tax Exemption

Subject to IRB terms and conditions.




![](/documents/20119/43963/MyIdaman+Icons.png/5ae87523-e633-8cc8-9f30-ce5004183e2b?t=1698042674959)


Annual Dividend

Enjoy annual dividends on top of your retirement savings.




![](/documents/20119/43963/Scheme+Registration+Icons.png/d4dcdbf2-e1f9-eed4-b3aa-88b1acaa1c0f?t=1698042635846)


Special Incentive

Up to 15% of total contribution or max RM300 this year.



















Importance Of Nomination


![icon card](/documents/20119/44062/Frame%209771.png/9073ce84-5e46-5068-06bc-6a0f19856595?download=true)

Shorten the withdrawal process




![icon card](/documents/20119/44062/Cut%20Cue.png/dde8b428-08a2-a1d8-9b1d-3e4d46061a9a?download=true)

Avoid the cost and hassle of obtaining third party documents from the land office/court




![icon card](/documents/20119/44062/Account.png/fd41d9e0-39b4-6c22-dd69-753033f3c615?download=true)

Ensure your rightful heir inherits your savings










Getting Started

* The nomination can be made by members via [KWSP i-Akaun app](https://www.kwsp.gov.my/mobile/i-Akaun/i-Akaun.html) or by completing the [EPF Form 4](/documents/20119/44767/Form_KWSP_4_Nomination.pdf/aaeeeb42-8fe0-0a00-4cb0-6fc26484d402) and submitting it at any EPF Offices nationwide; OR
* Through a new nomination application and updating nomination information via i-Akaun (Member), followed by a visit to the nearest EPF Office for fingerprint verification.








# Required Documents





| Document | Malaysian Citizens/ Permanent Resident (PR) | \*Non-Malaysian Citizens |
| --- | --- | --- |
| Nomination Form (KWSP4) | ✓ | ✓ |
| A copy of Identification Card / MyKad / MyTentera | ✓ |  |
| A copy of valid passport |  | ✓ |

 View 





*\*Non-Malaysian citizens and have become an EPF member before 1 August 1998).  
 \*\*You may update your nomination from time to time by submitting personally a new Nomination Form (KWSP 4). The new [KWSP 4 Form](/documents/20119/44767/Form_KWSP_4_Nomination.pdf/aaeeeb42-8fe0-0a00-4cb0-6fc26484d402) will override your earlier nomination.  
 \*\*\* You are encouraged to bring along a copy of the nominee's identification for reference.*










# Who Can You Nominate?





* Muslim Members
* Non-Muslim Members

#### 

* Any individual(s)





* Amanah Raya Berhad (ARB)







*\* Nominee for Muslim members is a Wasi/Administrator to apportion member's EPF savings upon the member's death to the rightful  
 beneficiary in accordance with Islamic Law.  
 \*If a member chooses to nominate ARB as nominee, ARB will become Administrator to ALL (100%) of the member's savings.*




#### 

### Understanding The Nomination Process




## Nomination (Understanding Scenario) Muslim Accordion




### Scenario 1


![back chevron](/documents/d/guest/more-1)


You appoint a nominee/trustee to distribute your EPF savings to the rightful heirs.




![](/documents/20119/44446/muslim_scenario1-en.jpg/25b8b07b-f277-2d13-aa18-9cbeef209222)


  




### Scenario 2


![back chevron](/documents/d/guest/more-1)


The member nominates two nominees who are both aged 18 and above, with the portions of 70% (Nominee A) and 30% (Nominee B) respectively. Nominee B passes away prior to the member's demise.




![](/documents/20119/44446/muslim-scenario2-en.jpg/2175915b-f7f2-81a8-db10-738c9f6f2d71)


  





 View More 












### Nomination Status



## Nomination Status Accordion




### Before 1 January 2017


![back chevron](/documents/d/guest/more-1)


Nominees aged 18 and above:

* Death Withdrawal application can be made at any time
* Nominee is eligible to apply
* Payment will be disbursed to the Nominee whom act as an Administrator

---

Under 18 Nominees:

* Nominee is eligible to apply upon reaching 18 years of age
* Payment will be disbursed to the Nominee whom act as an Administrator


### After 1 January 2017


![back chevron](/documents/d/guest/more-1)


Nominees aged 18 and above:

* Death Withdrawal application has to be submitted within a year from member's date of passing
* Payment will be disbursed to Nominee whom act as an Administrator

---

Under 18 Nominees:

* The nomination is cancelled unless the Nominee/ Nominees reached 18 within a year
* Member's heir may submit a Death Withdrawal application according to the procedures for withdrawal without nomination

---

If no application is made within a year:

* The nomination is cancelled
* Member's heir may submit a Death Withdrawal application according to the procedures for withdrawal without nomination



 View More 

















#### 

* Any individual(s)





* Amanah Raya Berhad (ARB)







*\* If a member chooses to nominate ARB as nominee, ARB will become administrator to ALL (100%) of the member's savings.  
 \* If a member chooses to nominate ARB as trustee, ARB will become trustee for nominee under 18 years of age.*




#### 

### Understanding The Nomination Process




## Nomination (Understanding Scenario) Non-Muslim Accordion




### Scenario 1


![back chevron](/documents/d/guest/more-1)


Member nominates one or more nominees.




![](/documents/20119/44446/non_muslim_scenario1-en.jpg/8d7fbff3-c1da-f009-1b55-6471e7bc4f8a)


  




### Scenario 2


![back chevron](/documents/d/guest/more-1)


Member nominates two nominees, both aged 18 and above with the portions of 30% and 70% respectively. One of the nominees passes away prior to the member's demise.




![](/documents/20119/44446/non_muslim-scenario2-en.jpg/60fe217a-ed32-97c0-2a7d-79ae27ea8f35)


  





 View More 
























Checking Your Nomination Information

Check your nomination information at the nearest EPF Office. For faster and easier access to your EPF account, use i-Akaun or our mobile app.






![icon card](/documents/20119/44062/Incap.png/083edcc7-b920-5072-0920-75f7995195db?download=true)

i-Akaun (Member)




![icon card](/documents/20119/44062/Unemployed.png/d1d11514-23e7-173d-647b-265f896a22ca?download=true)

KWSP i-Akaun App 




![icon card](/documents/20119/44062/Documents.png/6d25579b-5db5-9250-eeb1-e1072d346581?download=true)

Visit your nearest EPF Office






# If No Nominee Has Been Appointed





In the event a member has not nominated anyone prior to their demise, their eligible heir(s) can submit a Death Withdrawal application to the nearest EPF Office.





[More About Death Withdrawal](/member/account-centre/death)













## Common Misconceptions About EPF Nomination





| Myths | Facts |
| --- | --- |
| Savings will be transferred to ARB if unclaimed | Any unclaimed savings will remain with the EPF and will only be transferred to the Registrar of Unclaimed Monies upon the member reaching age 100 based on their date of birth |
| The death of one nominee invalidates the entire nomination | Only the portion assigned to the deceased nominee will be invalidated |
| The member's heir has to stake a claim of member's date of demise within three days, otherwise the savings will be automatically transferred to ARB | A nomination for Muslim member will only be invalidated if the nominee/administrator fails to make a withdrawal application within one year from the member's date of decease |

 View More 










Revocation Of Nomination


## Revocation Of Nomination Accordion




### Muslim Members


![back chevron](/documents/d/guest/more-1)


1. Upon the death of the nominee(s) during the lifetime of the member
2. By a Notice of Revocation of Nomination (KWSP 4A)
3. The member makes a new nomination by submitting the Nomination Form (KWSP 4)
4. Nominee has not reached 18 years old during the submission of Death Withdrawal made by the nominee/ next of kin
5. The nominee did not apply for Death Withdrawal within one (1) year from the date of the member's death
6. Nomination will be REVOKED if member has made Age 55 Withdrawal (Full Withdrawal) on or before 1 February 2008

[Download Nomination Form](/documents/20119/44767/Form_KWSP_4_Nomination.pdf/aaeeeb42-8fe0-0a00-4cb0-6fc26484d402)



### Non-Muslim Members


![back chevron](/documents/d/guest/more-1)


1. Upon the death of the nominee(s) during the lifetime of the member
2. By a Notice of Revocation of Nomination (KWSP 4A)
3. The member makes a new nomination by submitting the Nomination Form (KWSP 4)
4. Nomination will be REVOKED if member has made Age 55 Withdrawal (Full Withdrawal) on or before 1 February 2008

[Download Nomination Form](/documents/20119/44767/Form_KWSP_4_Nomination.pdf/aaeeeb42-8fe0-0a00-4cb0-6fc26484d402)




 View More 


















Frequently Asked Questions
 View

Frequently Asked Question


## Member Nomination FAQ Accordion




### What is nomination?


![back chevron](/documents/d/guest/more-1)


A nomination is a written declaration made by a member in KWSP Form 4 to elect/ nominate an individual(s) as beneficiary or as executor (wasi)/ administrator (for Muslims) to administer his/ her EPF savings upon his/her death.


---



### Why do I need to make a nomination?


![back chevron](/documents/d/guest/more-1)


Members are encouraged to make nomination to facilitate and expedite the withdrawal of his/ her EPF savings by the nominated person(s) in the event of death. In the event that a member did not make any nomination for his/ her EPF savings, his/her next-of-kin may encounter difficulties when staking their claim on the deceased member's EPF savings.


---



### How can I make a nomination?


![back chevron](/documents/d/guest/more-1)


Members are required to submit the Nomination Form (KWSP 4) with a copy of his/her MyKad and identification documents of his/her nominee(s) (encouraged). The completed nomination application form has to be submitted by the members themselves at any EPF branches and must be received by the EPF during his/ her lifetime.


---



### When will my nomination be effective?


![back chevron](/documents/d/guest/more-1)


The nomination takes effect on the date the nomination form is received at any EPF branches.


---



### Can a next-of-kin stake their claim when the member has named others as a nominee?


![back chevron](/documents/d/guest/more-1)


No, according to the EPF Act, payment will only be made to the person(s) named by the member as beneficiary(ies).


---



### What does the new Nomination Policy (effective 1 January 2017) entails?


![back chevron](/documents/d/guest/more-1)


The new policy entails:  


1. Introduction of a new Nomination Form (KWSP 4), where members are required to submit copies of identification documents of all nominees together with the nomination form. This enables the EPF to ascertain the particulars of the nominee(s), as nomination registration henceforth will no longer require the presence of a witness.
2. The use of "Acknowledgement of Responsibility" form when a Muslim Nominee/Recipient of a Muslim EPF member's savings applies for death withdrawal. This serves as a reminder to the wasi/administrator of his/ her role and responsibilities owed to the deceased to apportion the deceased's savings to the rightful heirs/beneficiaries in accordance with Islamic laws.
3. Nomination is deemed void for Muslim members when:  
    Age of the nominee is below 18 years at the time Death Withdrawal application is submitted by the nominee or the heir.

  
 Nomination is deemed void should the nominee fail to make a withdrawal application within the one-year duration from the member's date of death, and the application will be processed as without nomination.


---



### Who can be named as a nominee?


![back chevron](/documents/d/guest/more-1)


**MUSLIM MEMBERS**  
 • Any Individual(s)  
 > Members are advised to name their spouse or next-of-kin, (such as children or parents) to avoid any future complications.

  
 OR

  
 • Approved Institution – Amanah Raya Berhad (ARB)   
 > \*ARB as nominee/administrator

\*ALL (100%) of the member's savings.

**NON-MUSLIM MEMBERS**  
 • Any Individual(s)  
 > Members are advised to name their spouse or next-of-kin, (such as children or parents) to avoid any future complications.

  
 OR

  
 • Approved Institution – Amanah Raya Berhad (ARB)   
 > \*ARB as nominee/administrator  
 > ARB as trustee for nominee under 18 years of age

\*ALL (100%) of the member's savings.


---



### Responsibilities of nominee


![back chevron](/documents/d/guest/more-1)


**MUSLIM MEMBERS**  
 As a Wasi/ Administrator to apportion the deceased member's EPF savings to the righful beneficiary in accordance with the Islamic Law.

**NON-MUSLIM MEMBERS**  
 The nominee is the rightful beneficiary to the deceased member's savings.  
 • If the nominee predeceased the member, the rightful applicants are the surviving next-of-kin of the deceased member  
 • If the member predeceased the nominee, the rightful applicant is the nominee's next-of-kin.


---



### What are the documents required?


![back chevron](/documents/d/guest/more-1)


**Malaysian Citizens/ Permananet Resident (PR)**  
 • A copy of Identification Card/ MyKad/ MyTentera  
 • Nomination Form (KWSP4)

**Non-Malaysian Members**  
 (Registered as EPF member before 1 August 1998)  
 • A copy of valid passport  
 • Nomination Form (KWSP4)


---



### How to check nomination information?


![back chevron](/documents/d/guest/more-1)


• i-Akaun (Member)   
 • Visit the nearest EPF Office


---























Related Articles

These articles might inspire you


## Asset Publisher




[![text icon](/documents/d/guest/iconcontainer-2)


![](/documents/20119/44167/Article+15+-+EPF+Nominations.jpg/0e83e453-0ecf-b179-ffb8-f2c992526985?t=1708658117335)

ACCOUNT

EPF Nomination: Why is it Important?](https://www.kwsp.gov.my/en/w/article/epf-nomination) 



[![text icon](/documents/d/guest/iconcontainer-2)


![](/documents/20119/44167/Article+1+-+Opening+EPF+Account.png/d68b19c3-9baa-ab8f-fa5d-f578b06ad851?t=1702010644885)

ACCOUNT

EPF Account Opening at Your Fingertips](https://www.kwsp.gov.my/en/w/article/how-to-open-an-epf-account) 



[![text icon](/documents/d/guest/iconcontainer-2)


![](/documents/20119/44167/article30_cover.webp/cd0ac115-88a1-4b4f-1f83-0445456a6adc?t=1723776094009)

PERSONAL SKILLS

Adapting Future Work Skills](https://www.kwsp.gov.my/en/w/article/future-work-skills) 



[![text icon](/documents/d/guest/iconcontainer-2)


![](/documents/20119/44467/RAWAFA-Aticle-1705-Featured-img.webp/7a4a1acc-b29b-0bcd-8d3f-7955e461dde9?t=1715911334066)

ACCOUNT

All About EPF’s Account Restructuring](https://www.kwsp.gov.my/en/w/article/account-restructuring-guide) 



[![text icon](/documents/d/guest/iconcontainer-2)


![](/documents/20119/44167/Article+27+-+Bigger+Income+Cover.webp/466b0861-dab1-5835-3284-674e9e8c1e5c?t=1721902906285)

PERSONAL FINANCE

Income And Your Savings](https://www.kwsp.gov.my/en/w/article/income-and-your-savings) 

















Hidden

![](https://www.kwsp.gov.my/o/kwsp-theme/images/Arrow-main.png)
Take control on your financial future.
![](https://www.kwsp.gov.my/o/kwsp-theme/images/app-download.png)

![](https://www.kwsp.gov.my/o/kwsp-theme/images/logo-main.png)

Member

## Menu Display




* [Register As A Member](https://www.kwsp.gov.my/en/member/overview)
* [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings)
* [Financial Life Stages](https://www.kwsp.gov.my/en/member/life-stages)
* [Home Ownership](https://www.kwsp.gov.my/en/member/house-withdrawal)
* [Health Protection](https://www.kwsp.gov.my/en/member/healthcare)
* [Manage Your EPF Account](https://www.kwsp.gov.my/en/member/account-centre)






Employer

## Menu Display




* [Introduction](https://www.kwsp.gov.my/en/employer/introduction)
* [Employer Responsibilities](https://www.kwsp.gov.my/en/employer/responsibilities)
* [Online Platform](https://www.kwsp.gov.my/en/employer/online-platform)
* [Employers Education Programme](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)






Corporate

## Menu Display




* [About Us](https://www.kwsp.gov.my/en/corporate/about-us)
* [News & Highlights](https://www.kwsp.gov.my/en/corporate/news-highlights)
* [Investment](https://www.kwsp.gov.my/en/corporate/investment)
* [Business Partners](https://www.kwsp.gov.my/en/corporate/business-partners)
* [Careers](https://www.kwsp.gov.my/en/corporate/careers)
* [Procurement](https://www.kwsp.gov.my/en/corporate/procurement)
* [EPF Learning Campus](https://www.kwsp.gov.my/en/corporate/epf-learning-campus)
* [Whistleblowing & Anti‑Fraud](https://www.kwsp.gov.my/en/corporate/anti-fraud)
* [Connect With Us](https://www.kwsp.gov.my/en/corporate/connect-with-us)
* [Scam & Alerts](https://www.kwsp.gov.my/en/corporate/news-highlights/scam-alerts)






Others

## Menu Display




* [Terms & Conditions](https://www.kwsp.gov.my/en/others/terms-and-conditions)
* [Privacy Policy](https://www.kwsp.gov.my/en/others/privacy-policy)
* [Security Policy](https://www.kwsp.gov.my/en/others/security-policy)
* [Disclaimer](https://www.kwsp.gov.my/en/others/disclaimer)
* [Online Security Tips](https://www.kwsp.gov.my/en/others/security-tips)
* [Other Links](https://www.kwsp.gov.my/en/others/other-links)
* [Forms](https://www.kwsp.gov.my/en/others/forms)
* [Resource Centre](https://www.kwsp.gov.my/en/others/resource-centre)
* [Achievements](https://www.kwsp.gov.my/en/others/achievements)