ahli_fasa-kehidupan_pengeluaran-pendidikan.md

Education Withdrawal - KWSP Malaysia

Menu Display

Register As A Member How To Register And Benefits Of Becoming A Member Grow Your Savings Mandatory Contribution & Voluntary Contribution, i-Saraan, i-Invest, i-Sayang, i-Suri Financial Life Stages Akaun Fleksibel, Education, Hajj, Age 50, Age 55/60 & More Than RM1 Million Withdrawals Health Protection Members Protection Plan, Critical Illness, Fertility Treatment & Incapacitation Withdrawals Home Ownership Choices Of Housing Withdrawals Manage Your EPF Account Manage Account & Account Closure

Employer Login -

Back

Introduction Obligation To Contribute Employer Responsibilities Registration | Responsibilities | Update & Compliance Online Platform Convenience At Your Fingertips

Corporate Login -

Back

About Us Who We Are & What We Do News & Highlights Get The Latest News Investment Investment Information And Performance Careers Be part of our team Procurement Apply For Tenders Or Submit Quotations EPF Learning Campus A Centre Of Excellence For Social Security Business Partners Check The Latest Lists Connect With Us We Are Here To Help

Search Bar

Search Bar

Suggestions :

Asset Publisher

CAREER

Unlocking Financial Freedom in the Gig Economy

HOUSING

Now Everyone Can Own a Home with EPF

LIFESTYLE

Being Healthy: What It Means To You

Language Selector

Education Withdrawal

Breadcrumb

Member
Financial Life Stages
Education Withdrawal

Education Withdrawal

Finance Your Higher Education

Quality education is essential for career stability and a better life for you and your family. You can choose to withdraw savings from your Akaun Sejahtera to help fund education for yourself, your spouse, children, and/or parents at approved institutions, both locally and abroad.

What You Can Withdraw

Total tuition fees/outstanding education loan OR entire savings in Akaun Sejahtera (whichever is lower)

What's Covered

Tuition fees and charges imposed by the higher learning institution OR outstanding loan amount

For Certificate Level 3, withdrawal eligibility only applies to tuition fees subject to the total savings balance in Akaun Sejahtera

Hostel & accommodation Fees

One-way flight for first-year students studying outstation/ abroad

Who Can Apply

Malaysians & Non-Malaysians

Below 55 years of age

Have savings in Akaun Sejahtera

Currently pursuing or has completed – Certificate Level 3, diploma or higher

(academic/ professional/ skill-based/ vocational study)

Studying at local institutions

(full-time, part-time, distance learning and franchise programmes)

Institutions abroad

(full-time programmes)

Do not receive any sponsorship/ loan for education OR only receive partial sponsorship/ loan for education

(full sponsorship/ loan are not eligible for education withdrawal)

Member/ Member’s children/ Spouse/ Parents who quit/ failed/ did not graduate/ withdrawn from approved education institution

*to pay for all overdue payment fully to higher learning institutions within 3 years starting from the termination of education; and settle remaining education loan with loan provider institutions

Tuition Fees
Study Loan

When You Can Withdraw

Every semester or academic year

Within three (3) years from the course end/ quit/ failed date for outstanding payments to be settled with the higher learning institution

Every semester or academic year

Within three (3) years from the course end/ quit/ failed date for outstanding payments to be settled with the higher learning institution

Payment Options

Payment to member

If fees have been paid to higher learning institution (with condition that the receipt does not exceed one (1) year from application date)

Payment to higher learning institution

To settle outstanding tuition fees

What You Need

MyKad OR original identification document
Payment receipt of tuition fee from IPT and
Form KWSP 3 (Pindaan) – for mail submissions/ failed thumbprint verification
Student's enrolment confirmation letter
Reimbursement of flight ticket (Eligible for one way ticket for IPT student during first year student registration only)
Proof of relationship (If the applicant is not a student)
Course recognition or accreditation letter

Note: Form KWSP 9H (AHL) & copy of identification documents/ MyKad is required for submission via mail or representative.

Supporting Documents Required For Member Or Member’s Children/ Spouse/ Parents’ Education Withdrawal

The required supporting documents for member, child, spouse, or parent may vary for the first and second withdrawal. So, it's necessary to submit all the required supporting documents to ensure a smooth application process.

• Self

Education Withdrawal - Self

1st Time Withdrawal

Proof of Acceptance
Course offer letter
AND
Proof of qualification to enroll in the course

Proof of Study
Copy of the latest examination result (second year onwards)

Proof of Payment*
Tuition fees payment receipt
AND
Flight ticket/ original payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents
Interview form
AND
Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents for International Studies
Copy of page in a valid passport where student's details appear
AND
If Member has already gone abroad
Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results

OR

If Member has not gone abroad
Proof of payment to the international higher learning institution

Subsequent Withdrawal

Proof of Study
Copy of the latest examination result

Proof of Payment*
Tuition fees payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents
Bank passbook/ Savings account statement/Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution

Education Withdrawal - Self

1st Time Withdrawal

Proof of Acceptance
Course offer letter
AND
Proof of qualification to enroll in the course

Proof of Study
Copy of the latest examination result (second year onwards)

Proof of Payment*
Tuition fees payment receipt
AND
Flight ticket/ original payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents
Interview form
AND
Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents for International Studies
Copy of page in a valid passport where student's details appear
AND
If Member has already gone abroad
Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results

OR

If Member has not gone abroad
Proof of payment to the international higher learning institution

Subsequent Withdrawal

Proof of Study
Copy of the latest examination result

Proof of Payment*
Tuition fees payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents
Bank passbook/ Savings account statement/Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution

• Member's Children

Application for children can be made by an individual and/ or through a joint application (parents)

• Member's Spouse

Application for spouse can be made by an individual and/or through a joint application

• Member's Spouse

• Member's Parents

Education Withdrawal - Parents

1st Time Withdrawal

Proof of Acceptance
Course offer letter
AND
Proof of qualification to enrol in the course

Proof of Study
Copy of the latest examination result (second year onwards)

Proof of Payment*
Tuition fees payment receipt
AND
Flight ticket/ original payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents
Interview form
AND
Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution

Proof of Relationship
i. Children
Child's Identification Card
AND
Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)
ii. Spouse
Marriage Certificate
iii. Parents
Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) ORAdoption Certificate from National Registration Department (for adopted children)

Additional Documents for international studies
Copy of page in a valid passport where student's details appear
AND
If Member's child has already gone abroad
Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results

OR

If Member's child has not gone abroad
Proof of payment to the international institute of higher learning

Subsequent Withdrawal

Proof of Study
Copy of the latest examination result

Proof of Payment*
Tuition fees payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents
Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution

• Member's Parents

Education Withdrawal - Parents

1st Time Withdrawal

Proof of Acceptance
Course offer letter
AND
Proof of qualification to enrol in the course

Proof of Study
Copy of the latest examination result (second year onwards)

Proof of Payment*
Tuition fees payment receipt
AND
Flight ticket/ original payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents
Interview form
AND
Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution

Proof of Relationship
i. Children
Child's Identification Card
AND
Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)
ii. Spouse
Marriage Certificate
iii. Parents
Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) ORAdoption Certificate from National Registration Department (for adopted children)

Additional Documents for international studies
Copy of page in a valid passport where student's details appear
AND
If Member's child has already gone abroad
Page in passport which contains the date and stamp of the Immigration Department from the relevant country/ payment of tuition fees/ student visa/ examination results

OR

If Member's child has not gone abroad
Proof of payment to the international institute of higher learning

Subsequent Withdrawal

Proof of Study
Copy of the latest examination result

Proof of Payment*
Tuition fees payment receipt

*For refund application if tuition fees have already been paid to the higher learning institution

Additional Documents
Bank passbook/ Savings account statement/ Current account statement/ Verification letter of account holder’s details from Bank/ Account holder’s details*

*For refund application if tuition fees have already been paid to the higher learning institution

When You Can Withdraw

Every semester or academic year
You have outstanding student loans

Approved Loan Provider Institutions

Financial Institution

Financial Institution Licensed Under The Financial Services Act 2013, Specially Offering Loans for Education

Lending Institutions Under Ministries/ Departments/ Statutory Bodies

Majlis Amanah Rakyat (MARA)
Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN)
Perbadanan Tabung Pembangunan Kemahiran (PTPK)
Kementerian Pelajaran Malaysia
Jabatan Perkhidmatan Awam (JPA)
Lembaga Kemajuan Tanah Persekutuan (FELDA)
Kementerian Pembangunan Luar Bandar
Kementerian Pengajian Tinggi
Kementerian Sumber Manusia Malaysia
Kementerian Pendidikan Malaysia
Jabatan Perdana Menteri Malaysia

Lending Institutions Under The State Foundation

Yayasan Wilayah Persekutuan
Yayasan Negeri Sembilan
Yayasan Terengganu
Yayasan Sabah
Yayasan Perak
Yayasan Pahang
Yayasan Kelantan Darul Naim (YAKIN)
Yayasan Yayasan Biasiswa Sarawak Tunku Abdul Rahman
Suruhanjaya Perkhidmatan Awam Negeri Sarawak (SPANS)

Lending Institutions Under The State Education Foundation

Pejabat SUK Kedah (Lembaga Biasiswa Negeri Kedah Darul Aman)
Pejabat SUK Pulau Pinang (Lembaga Tabung Amanah Pinjaman Penuntut Negeri Pulau Pinang)
Tabung Kumpulan Wang Biasiswa Selangor
Tabung Amanah Negeri Melaka
Pejabat Setiausaha Kerajaan Perak Darul Ridzuan

Lending Institutions Under Foundation

Yayasan Bank Rakyat (YBR)
Yayasan Biasiswa Tun Sambathan
Yayasan Peneraju Pendidikan Bumiputera
Yayasan Telekom Malaysia/Telekom Malaysia Berhad
Yayasan Tenaga Nasional

Cooperative Registered With The SKM*

Koperasi Anak Sains Mara Berhad (ASMARA)
Koperasi Jayadiri Malaysia Berhad (KOJADI)
Koperasi NLFCS Berhad

*Suruhanjaya Koperasi Malaysia specifically offers loans for education

Education Loans Between Employers & Employees

Education loan between employer and employee (student) to finance employee studies (student) only.

Others

Maju Institute Of Education Development (MIED)
PETRONAS
PERKESO

Payment Option

Payment to approved financial institutions

If you have taken a loan from a financial institution approved by the EPF
If you have a Study Loan Agreement in your name/your child's name

What You Need

MyKad OR Original Identification Document
Study loan agreement in the Member's name OR Study loan agreement in the children/spouse/parents’ name –(needed for self agreement loan with the employer)
Form KWSP 3 (Pindaan) – for mail submissions/failed thumbprint verification
Latest loan balance statement
Proof of relationship (If the applicant is not a student)

Note: Form KWSP 9H (AHL) & Copy of identification documents/MyKad is required for submission via mail or representative.

Supporting documents required for Member or Member’s children/spouse/parents’ education withdrawal

The required supporting documents may vary for the first and second withdrawal. So, it is necessary to submit all required supporting documents to ensure a smooth application process.

Self

Study Loan_Self

1st Time Withdrawal

Member is still studying

Proof of Acceptance
Student's original enrolment confirmation letter
AND
Proof of qualification to enrol in the course
AND
Course recognition or accreditation letter

Proof of Study
Copy of the latest examination result (2nd year onwards)

Proof of Loan Application
Study loan agreement in the Member's name
AND
Latest loan balance statement

Additional Documents
Interview form
AND
If the financial institution providing the loan is a co-operative
AND If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter
Letter of explanation from the higher learning institutions

Member has completed study

Proof of Loan Application
Study loan agreement in the Member's name
AND
Latest loan balance statement
Additional Documents
If the financial institution providing the loan is a co-operative Cooperative registration certificate
AND
If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter
Letter of explanation from the higher learning institutions

Subsequent Withdrawal

Member is still studying

Proof of Acceptance
Student's original enrolment confirmation letter
AND
Course recognition or accreditation letter

Proof of Study
Copy of the latest examination result

Loan Balance Statement
Latest loan balance statement

Member has completed study

Proof of Study
Copy of the latest examination result

Loan Balance Statement
Latest loan balance statement

Member's Children/Spouse/Parents

Study Loan_Member's Children/Spouse/Parents

1st Time Withdrawal

Member's children/spouse/parents who are currently studying

Proof of Acceptance
Student's original enrolment confirmation letter
AND
Proof of qualification to enrol in the course
AND
Course recognition or accreditation letter

Proof of Study
Copy of the latest examination result

Proof of Loan Application
Study loan agreement in the children/ spouse/ parents’ name
AND
Latest loan balance statement

Additional Documents
Interview form
AND If the financial institution providing the loan is a co-operative
Cooperative registration certificate
AND If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/ agreement/ offer letter
Letter of explanation from the higher learning institutions

Proof of Relationship
i. Children
Child's Identification Card
AND
Child’s Birth Certificate/ Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)
ii. Spouse
Marriage Certificate
iii. Parents
Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) OR Adoption Certificate from National Registration Department (for adopted children)

Member's children/spouse/parents who have completed studies

Proof of Loan Application
Study loan agreement in the Member's child's/ spouse/ parents' name
AND
Latest loan balance statement

Additional Documents
If the financial institution providing the loan is a co-operative
Cooperative registration certificate
AND
If the name of the course or the higher learning institutions differs between the academic certificate and loan statement balance/agreement/offer letter
Letter of explanation from the higher learning institutions

Proof of Relationship
i. Children
Child's Identification Card
AND
Child’s Birth Certificate/Parents’ Marriage Certificate (for stepchildren)/ Adoption Certificate from National Registration Department (for adopted children)
ii. Spouse
Marriage Certificate
iii. Parents
Member’s Birth Certificate AND/ OR Parents’ Marriage Certificate (for stepchildren) OR Adoption Certificate from National Registration Department (for adopted children)

Subsequent Withdrawal

Member's children/ spouse/ parents who are currently studying

Proof of Acceptance
Student's original enrolment confirmation letter
AND
Course recognition or accreditation letter

Proof of Study
Copy of the latest examination result

Loan Balance Statement
Latest loan balance statement

Member's children/ spouse/ parents who have completed studies

Loan Balance Statement
Latest loan balance statement

References

Withdrawal Channels

Additional Information

Education Withdrawal - More Info Accordion

Payment Methods

Local Payments

Full payment in Ringgit Malaysia (RM) will be credited to your account
If you hold an active account with our panel bank and your identification number matches the bank records
You will be issued a Bankers Cheque
If payment to your account is unsuccessful

International Payments * Full payment will be made via Foreign Demand Draft in the currency of your choice If your preferred currency is included in our list of approved currencies * Full payment will be made via Foreign Demand Draft in US Dollars If your preferred currency is not available on our approved list

Important Reminder

Certify your documents
Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.
(complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)

Authorised Persons
Double check your panel banks
Refer to the list of EPF panel banks for direct crediting of payment into member’s account.

EPF Panel Banks
Submit to EPF
Send your completed submissions at your nearest EPF Counter or mail it to the EPF.

Find EPF Near You

Post to EPF:

JABATAN PENGURUSAN TRANSAKSI
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor.
Need more information?
Refer to our product brochure for additional information.

Download Education Withdrawal Brochure

Frequently Asked Questions View

Frequently Asked Question

Education Withdrawal - FAQ

How frequent can member's make a withdrawal?

Members are allowed to make a withdrawal anytime as long as there is sufficient balance in their Akaun Sejahtera (subject to withdrawal terms).

What is the total amount allowed for withdrawal?

The total tuition fees or the balance in your Akaun Sejahtera, whichever is lower.

Why is thumbprint verification necessary?

Members need to be present at the EPF counter and verify their thumbprint as proof of identity as a member and applicant.

What happens if a member does not provide thumbprint verification?

Members are given 14 days to verify their thumbprint, failing which the application will be rejected.

Does the member need to produce any document for thumbprint verification at the EPF counter?

Original identification card (MyKad/MyPR/Police ID/Military ID) for member‘s identity verification
Supporting documents – members' will be notified of any additional documents through i-Akaun secured inbox.

Where can members perform the thumbprint verification and submit the supporting documents?

Members can perform a thumbprint verification and submit the supporting documents at any EPF offices or at Self-Service Terminal (SST) for any application without document.

What are the forms and documents required when submitting an application at the EPF counter?

The forms and documents that need to be submitted by members during the submission of application at the counter are as per existing conditions:

Member
Main document:
i. Form KWSP 9H (AHL)

Supporting documents:
i. Education loan balance statement latest version (V1/11/2021)
ii. Copy of academic certificate OR Transcript of final semester examination results to proof the student has successfully completed study
iii. Copy of the study loan agreement (applicable for loans between employer and employee)

Parents
Main documents:
i. Form KWSP 9H (AHL)
ii. Member’s child’s identification document

Supporting documents:
i. Proof of relation
ii. Education loan balance statement latest version (V1/11/2021)
iii. Copy of academic certificate OR Transcript of final semester examination results to proof the student has successfully completed study
iv. Copy of the study loan agreement (applicable for loans between employer and employee)

How often can members make a withdrawal to reduce/settle their education loan balance?

Members can apply for this withdrawal at any time, as long as there is a remaining balance on their study loan with the education loan provide and the member still has savings in their Akaun Sejahtera.

Can members pay the remaining education loan balance to the education loan provider on a monthly basis?

No, a lump sum payment is made to the education loan provider for each withdrawal application.

How much can a member withdraw for payment?

The amount of payment that can be withdrawn is subject to the member’s loan balance and the balance savings in their Akaun Sejahtera, whichever is lower.

Will the education loan provider have to repay any excess amount withdrawn back to the EPF in the event the member’s loan has already been settled?

The education loan provider will need to reimburse any excess amount withdrawn to the EPF is the loan has already been settled.

Can members make a withdrawal to settle their education loan balance if they are still studying at the higher learning institution?

Yes, members will need to submit the documents listed in the document checklist, as well as their loan balance statement. Application submissions must be done over the counter only.

What are the enhancements under EPF’s Education Withdrawal?

Education withdrawals have been expanded as follows:

i. Withdrawal covers Certificate Level 3:
Withdrawal applications are extended to Certificate Level 3, subject to the list of certifications approved by the EPF; and

ii. Withdrawal to finance/reduce education loans for spouses and/or parents:
Withdrawal applications are extended to finance tuition fees and/or to reduce the education loans of spouses (husband/wife) and parents (biological/adopted/step parents) for Certificate Level 3, Diploma and above.

What is Certificate Level 3?

Certificate Level 3 is the Malaysian Skills Certificate (SKM) accredited by the Department of Skills Development/Jabatan Pembangunan Kemahiran (DSD/JPK), Ministry of Human Resources for skills programmes offered by public or private Training Providers or ‘Accredited Centers’.

What are the objectives of expanding Education Withdrawal to include Certificate Level 3?

The objectives to expand the Education Withdrawal to include Certificate Level 3 are as follows:
i. To provide opportunities for more Members/students to further their education;
ii. To encourage upskilling and reskilling in line with the aspirations of the Industrial Revolution (IR 4.0);
iii. To assist related industries in producing quality workers who will contribute to economic growth and resilience in the future; and
iv. To enable members, spouses, children, and parents to increase their level of education, thereby allowing them to earn a higher income and enjoy a better standard of living while increasing their retirement savings in the EPF.

Are Members eligible to apply for this Education Withdrawal for all Certificate Level 3 courses/programmes conducted at any Accredited Centre (AC) or Training Provider?

Currently, Members are only eligible to apply for this withdrawal for Certificate Level 3 courses/programmes offered by Accredited Centres (Pusat Bertauliah/PB) and Training Providers that are accredited by the Department of Skills Development (JPK) only.

How do Members/students apply for Education Withdrawal for Certificate Level 3?

The application can be made via:

(a) Online application through i-Akaun (Member)
For Members/students who receive educational funding from the Skills Development Fund Corporation (PTPK);

(b) Manual application
For Members/students who do not receive funding or receive funding from organisations other than PTPK, they must submit their application at an EPF office by completing the 9H Application Form (AHL) along with supporting documents.
Members/students can refer to the EPF website at www.kwsp.gov.my for more information

What are the eligibility requirements for online Education Withdrawal application?

The main requirements to be eligible to apply for an Education Withdrawal are as follows:
i. Malaysian Citizen or Permanent Resident (PR);
ii. Below age 55;
iii. Have savings in EPF Akaun Sejahtera;
iv. Have education funding with PTPK.

To ensure online applications can be submitted, Members/students must:
i. Register and activate Member's i-Akaun at any EPF kiosk;
ii. Register/update mobile phone number to receive the Transaction Authorisation Code (TAC) number at any EPF office/kiosk

Are members required to submit supporting documents if applications are made via i-Akaun (Member)?

Members are required to submit the supporting documents under certain circumstances by uploading them on i-Akaun (Member) before submitting the application.

The types of supporting documents that can be uploaded are as follows:
i. Proof of relationship
ii. Payment receipt
iii. Other supporting documents as required

Note:
The function to upload supporting documents in i-Akaun (Member) is applicable for applications for Certificate Level 3 courses/programmes only.

How can members upload supporting documents through i-Akaun (Member)?

Members are required to upload supporting documents at Step 3 of the Withdrawal Summary.

The formats allowed for uploaded documents are as follows:
(a) .jpg, .jpeg or PDF format; and
(b) The maximum size of each document cannot exceed 256KB

Note:
Members are advised to refer to the guidelines provided to reduce the size of the document if it exceeds the maximum size limit of 256KB.

What are the education costs eligible under Education Withdrawal for Certificate Level 3?

The education costs eligible for withdrawal under Certificate Level 3 are tuition fees only.

What is the amount of withdrawal allowed under Education Withdrawal?

The withdrawal amount allowed is the total tuition fees (academic year) or the balance of the education loan subject to savings in Akaun Sejahtera (whichever is lower).

For a joint withdrawal application, the amount of withdrawal allowed must not exceed the total tuition fee.

Can members/students pursuing Certificate Level 3 studies claim reimbursement of tuition fees?

Yes, members/students can make reimbursement of tuition fees provided that the receipt date does not exceed one year when the application was made and is subject to the member’s Akaun Sejahtera balance.

For reimbursements in more than one receipt, the total withdrawal amount is subject to the member’s Akaun Sejahtera balance.

Payment will be credited to the member’s Savings/Current Bank Account of choice.

How do Members check their application and payment status for Education Withdrawal?

Members may check their application status via:

i-Akaun (Member):
a. i-Akaun (Member) Inbox
b. Withdrawal History Menu

Members will be notified via SMS on the withdrawal payment status if payment is made via direct crediting.

For payment using banker's cheque, members will receive the notice of payment via mail to the member’s address.

Will members be notified if payment is made to an Accredited Centre?

Yes, members will be notified with regards to payment made to Accredited Centre via a notice posted to the member's address.

If members submit an offer letter for Certificate Level 1, 2, & 3 studies, can the withdrawal application be processed if members have only registered for Certificate Level 1?

No. Members are only eligible to apply for Education Withdrawal if the offer letter confirms that they have started studying for a Certificate Level 3 only.

When is the effective date Members/students are eligible to apply for Certificate Level 3 Education Withdrawal?

Members/students are eligible to apply for Certificate Level 3 Education Withdrawal if they register on/or after 1st January 2020.

Additional Information View

Frequently Asked Question

Education Withdrawal - More Info Accordion

Payment Methods

Local Payments

Full payment in Ringgit Malaysia (RM) will be credited to your account
If you hold an active account with our panel bank and your identification number matches the bank records
You will be issued a Bankers Cheque
If payment to your account is unsuccessful

International Payments * Full payment will be made via Foreign Demand Draft in the currency of your choice If your preferred currency is included in our list of approved currencies * Full payment will be made via Foreign Demand Draft in US Dollars If your preferred currency is not available on our approved list

Important Reminder

Certify your documents
Ensure ALL copies of documents have been certified and acknowledged by the authorised persons.
(complete with name, designation and official stamp except for copies of documents which require certification by an EPF officer)

Authorised Persons
Double check your panel banks
Refer to the list of EPF panel banks for direct crediting of payment into member’s account.

EPF Panel Banks
Submit to EPF
Send your completed submissions at your nearest EPF Counter or mail it to the EPF.

Find EPF Near You

Post to EPF:

JABATAN PENGURUSAN TRANSAKSI
Menara KWSP
No.1 Persiaran Kwasa Utama,
Kwasa Damansara, Seksyen U4,
40150 Shah Alam,
Selangor.
Need more information?
Refer to our product brochure for additional information.

Download Education Withdrawal Brochure

These articles might inspire you

Asset Publisher

[

EDUCATION

The Impact of Education on Career Advancement](https://www.kwsp.gov.my/en/w/article/career-advancement)

[

LIFESTYLE

Managing Health Expenses: Getting to Know EPF’s Health Withdrawal Facility](https://www.kwsp.gov.my/en/w/article/epf-health-withdrawals)

[

PERSONAL SKILLS

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

[

PERSONAL FINANCE

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

[

SCAM AWARENESS

How To Avoid Online Scam](https://www.kwsp.gov.my/en/w/article/how-to-avoid-online-scam)

Hidden

Take control on your financial future.

Member

Menu Display

Employer

Menu Display

Corporate

Menu Display

Others

Menu Display

Search Bar

Suggestions :

Asset Publisher

Language Selector

Education Withdrawal

Breadcrumb

Education Withdrawal

When You Can Withdraw

Payment Options

Payment to higher learning institution

What You Need

Supporting Documents Required For Member Or Member’s Children/ Spouse/ Parents’ Education Withdrawal

• Self

Education Withdrawal - Self

1st Time Withdrawal

Subsequent Withdrawal

Education Withdrawal - Self

1st Time Withdrawal

Subsequent Withdrawal

• Member's Children

• Member's Spouse

• Member's Spouse

• Member's Parents

Education Withdrawal - Parents

1st Time Withdrawal

Subsequent Withdrawal

• Member's Parents

Education Withdrawal - Parents

1st Time Withdrawal

Subsequent Withdrawal

When You Can Withdraw

Approved Loan Provider Institutions

Approved Loan Provider Institutions

Financial Institution

Lending Institutions Under Ministries/ Departments/ Statutory Bodies

Lending Institutions Under The State Foundation

Lending Institutions Under The State Education Foundation

Lending Institutions Under Foundation

Cooperative Registered With The SKM*

Education Loans Between Employers & Employees

Others

Payment Option

Payment to approved financial institutions

What You Need

Supporting documents required for Member or Member’s children/spouse/parents’ education withdrawal

Self

Study Loan_Self

1st Time Withdrawal

Subsequent Withdrawal

Member's Children/Spouse/Parents

Study Loan_Member's Children/Spouse/Parents

1st Time Withdrawal

Subsequent Withdrawal

References

Withdrawal Channels

Education Withdrawal - More Info Accordion

Payment Methods

Important Reminder

Education Withdrawal - FAQ

How frequent can member's make a withdrawal?

What is the total amount allowed for withdrawal?

Why is thumbprint verification necessary?

What happens if a member does not provide thumbprint verification?

Does the member need to produce any document for thumbprint verification at the EPF counter?

Where can members perform the thumbprint verification and submit the supporting documents?

What are the forms and documents required when submitting an application at the EPF counter?

How often can members make a withdrawal to reduce/settle their education loan balance?

Can members pay the remaining education loan balance to the education loan provider on a monthly basis?

How much can a member withdraw for payment?

Will the education loan provider have to repay any excess amount withdrawn back to the EPF in the event the member’s loan has already been settled?

Can members make a withdrawal to settle their education loan balance if they are still studying at the higher learning institution?

What are the enhancements under EPF’s Education Withdrawal?

What is Certificate Level 3?

What are the objectives of expanding Education Withdrawal to include Certificate Level 3?

Are Members eligible to apply for this Education Withdrawal for all Certificate Level 3 courses/programmes conducted at any Accredited Centre (AC) or Training Provider?

How do Members/students apply for Education Withdrawal for Certificate Level 3?

What are the eligibility requirements for online Education Withdrawal application?

Are members required to submit supporting documents if applications are made via i-Akaun (Member)?

How can members upload supporting documents through i-Akaun (Member)?