Self-Contribution - KWSP Malaysia
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Self-Contribution
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- Member
- Grow Your Savings
- Self-Contribution
Self-Contribution
Securing Retirement With Self Contribution
Self-contribution serves as an option to those who want to voluntarily grow their retirement savings with EPF.
Who Can Apply
Malaysian & Permanent Resident
EPF member
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)
Mobile App
Electronic payment via i-Akaun mobile app. For more details, refer to the FAQ section at the bottom.
Internet Banking
Electronic payment via:
- Alliance Bank
- Bank Islam
- Bank Muamalat
- BSN
- CIMB Bank
- Hong Leong Bank
- Kuwait Finance House
- Maybank
- MBSB
- Public Bank
- RHB Bank
- Ambank
Registered Bank Agent
Electronic/cash payment via Bank Agents (EB) BSN.
Bank Agent Counters
Cash/cheque payment via bank agent counters:
- BSN
- Maybank
- Public Bank
- RHB Bank - Only payments via debit card and debit transfers are accepted.
Note: Please attach Bayaran Caruman Pilihan Sendiri Form - KWSP 6A (1)
EPF Office
- Payment via cash (maximum RM500)/cheque/bank draft can be made at the following EPF Receipting Counter:
- KWSP Shah Alam
- KWSP Kuala Lumpur
- KWSP Ipoh
- KWSP Seberang Jaya
- KWSP Alor Setar
- KWSP Kangar
- KWSP Johor Bahru
- KWSP Muar
- KWSP Melaka
- KWSP Seremban
- KWSP Kuantan
- KWSP Kuala Terengganu
- KWSP Kota Bharu
- KWSP Kota Kinabalu
- KWSP Kuching
- Payment via Debit Card is available at all EPF Office.
Note: Please attach Bayaran Caruman Pilihan Sendiri Form - KWSP 6A (1)
EPF do not encourage members to make payments in cash for large amounts at EPF counters.
Mobile KWSP Team / Relationship & Advisory (RA)
- Electronic payment via Debit Card.
- Contribution payment amount is subject to the payer's Debit Card transaction limit.
For more details, refer to the FAQ section at the bottom.
Contribution payment via Debit Card through the MT/MoT services is based on the Schedule Table.
View More
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 Akaun Persaraan Top-up Savings Contribution) across all payment channels is RM100,000 per year.
Forms
Self-Contribution Payment Form - KWSP 6A (1)
Frequently Asked Questions
View
Frequently Asked Question
Self-Contribution & Voluntary Contribution (FAQ Accordion)
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?
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?
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.
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)?
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?
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?
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?
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?
- 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?
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.
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.
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?
• 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.
- Self-Contribution
- Voluntary Contribution
Voluntary Contribution View
Frequently Asked Question
Voluntary Contribution FAQ Accordion
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.
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?
• 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.
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