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[Member](https://www.kwsp.gov.my/en/member) 2. [Grow Your Savings](https://www.kwsp.gov.my/en/member/savings) 3. Contributing More Than The Statutory Rate #### Contributing More Than The Statutory Rate (Voluntary Excess) Save More For Your Future As a salaried employee, you have the option to contribute more towards your retirement savings. Either you or your employer, or both, may voluntarily contribute at a rate exceeding the statutory rate [as long as you meet the requirements]. 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. Who Can Contribute? Employee Complete and submit [Borang KWSP 17A (AHL)/ KWSP 18A (AHL)](/documents/20119/44359/Form_BORANG%20PERMOHONAN%20PENDAFTARAN_PEMBATALAN%20MENCARUM%20MELEBIHI%20KADAR%20BERKANUN_BM.pdf/d0da65c3-3fdd-2904-0ed1-a6fcc514b331?t=1703646873831&preview) to their respective employers. Employer ​No form is required if Employers opt to contribute more than the statutory rate for employers. *Note: Employers need to submit VE (Employee’s Share) and VE (Employer’s Share) applications through i-Akaun (Employer)* --- Documents [Download KWSP 17A (AHL)/18A (AHL)](/documents/20119/44359/Form_BORANG%20PERMOHONAN%20PENDAFTARAN_PEMBATALAN%20MENCARUM%20MELEBIHI%20KADAR%20BERKANUN_BM.pdf/d0da65c3-3fdd-2904-0ed1-a6fcc514b331?t=1703646873831&preview) * [Download KWSP 17A (AHL)/ 18A (AHL)](/documents/20119/44359/Form_BORANG%20PERMOHONAN%20PENDAFTARAN_PEMBATALAN%20MENCARUM%20MELEBIHI%20KADAR%20BERKANUN_BM.pdf/d0da65c3-3fdd-2904-0ed1-a6fcc514b331?t=1703646873831&preview) * [User guide](/documents/d/guest/easy-guide_panduan-pengguna-eve-normal-bm-) * [Frequently Asked Questions: Contributions above the statutory limit through i-Akaun (Employer)](/documents/d/guest/soalan-lazim-e-voluntary-excess-e-ve-bm-) [User Guide](/documents/d/guest/easy-guide_panduan-pengguna-eve-normal-bm-) [Frequently Asked Questions: Contributions above the statutory limit through i-Akaun (employer)](/documents/d/guest/soalan-lazim-e-voluntary-excess-e-ve-bm-) Related Articles These articles might inspire you ## Asset Publisher [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44167/Article+9+-+Employer+Responsibilities.png/735b8d3c-b627-e7f0-1326-24aa01ae986c?t=1702010644734) EMPLOYER Are You Fulfilling Your Duties as an Employer?](https://www.kwsp.gov.my/en/w/article/employer-responsibility-malaysia) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44467/Article+22-Employer+Contribution+Cover.webp/32c982b3-3823-d42a-f48e-e24d7c8552ac?t=1717127617655) EMPLOYER The Employer's Guide To EPF Contributions and Responsibilities](https://www.kwsp.gov.my/en/w/article/employer-contributions-for-employee) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44167/Article+26+Cover.webp/bf3a0205-9651-677a-3b7f-c1cadf3bc46d?t=1721379426711) PERSONAL FINANCE Retirement Planning Tips](https://www.kwsp.gov.my/en/w/article/retirement-planning-tips) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44467/Article23_Cover.webp/7370fdee-3a17-f6c4-c4c9-5b7151613c01?t=1719488587084) PERSONAL FINANCE Getting The Most From Your EPF Akaun Fleksibel](https://www.kwsp.gov.my/en/w/article/how-to-use-akaun-3) [![text icon](/documents/d/guest/iconcontainer-2) ![](/documents/20119/44467/Article32-featured.webp/1746a750-a06e-68f9-ca12-de71f7b3f110?t=1724728214638) PERSONAL FINANCE Merdeka From Debt Burdens](https://www.kwsp.gov.my/en/w/article/financial-independence) 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 ## 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