3 Effective Medium of EPF Self Contribution You Must Know

Kali terakhir diperbaharui August 18, 2023 oleh Shafiq Wahab
3 Effective Medium of EPF Self Contribution You Must Know

EPF self-contribution is more than just a contribution to a retirement fund – it’s a journey of empowerment, a means to secure your financial well-being, and a pathway to financial freedom. Imagine having the power to shape your financial destiny, ensuring a secure and prosperous retirement. EPF (Employees’ Provident Fund) self-contribution unlocks this potential, putting you in control of your savings and paving the way to a brighter financial future. While EPF contributions made by employers are essential, self-contribution offers an extra layer of control, flexibility, and potential rewards.

Know More About EPF Self Contribution

In this article, we will explore three highly effective mediums for EPF self-contribution that every employee should be aware of. Whether you are a seasoned EPF contributor or new to the concept, this guide will equip you with the knowledge and insights needed to make informed decisions about your EPF self-contribution. There are three voluntary contributions that are currently offered by EPF which are EPF Self-Contribution, i- Saraan and Account 1 Top-Up EPF Savings.

So, if you are eager to take charge of your financial future and optimize your EPF savings, let’s delve into the three effective mediums that you must know for EPF self-contribution.

1. EPF Self Contribution

EPF contributions extend beyond the mandatory requirements outlined in the EPF Act 1991. Thus, encouragement is given to individuals not covered by the Act to voluntarily participate in contributing to the EPF. For the independent income earners such as self-employed and freelance workers, you are welcome to make EPF self contribution through this medium. However, for the salaried employees, you also may make additional contributions for a better retirement plan in the future.


Below are the requirements for you to apply EPF Self Contribution:

    • Malaysian Citizen/Permanent Residents;
    • Registered EPF Member;
    • Below 75 years of age.

EPF Self Contribution in Malaysia

2. EPF i-Saraan

The second voluntary initiative that was introduced on on 2021 is called i-Saraan. Self-employed individuals without stable incomes and employees engaged in the gig economy have the chance to avail themselves of exclusive government incentives for retirement objectives, provided they fulfilled the prescribed criteria.


Below are the requirements for you to apply EPF i-Saraan:

    • Malaysian Citizen;
    • Registered EPF Member;
    • Below 60 years of age;
    • Self-employed individuals (Individuals who generate income from their own work and do not hold an employment status);
    • Opted to contribute under i-Saraan (for those submitted Form KWSP 16G (M));
    • Registered members of Kasih Suri Keluarga Malaysia KWSP (i-Suri) are required to register for i-Saraan to qualify members to receive the special i-Saraan incentive, subject to the terms and conditions set.

I-Saraan Registration

If you are interested, you can register for EPF i-Saraan via options below:

1. Website

You can apply via online at i-Saraan Online Registration.

2. EPF Counter

You may submit Application Form for Voluntary Contribution i-Saraan and bring your Mykad to the counter.

3. Self Service Terminal (SST)

You may apply at the SST location available and bring your Mykad along.


There are many benefits that you can get through this i-Saraan which are you will receive annual dividend, special incentives which is 15 percent of the total contribution up to a maximum of RM300 in the current year, tax exemption, and death benefits following the terms and conditions given.

3. Account 1 Top-Up EPF Savings

Another EPF self contribution that you can make is Account 1 Top-up Savings Contribution. If you wish to enhance the retirement security of your loved ones, you can utilize our Account 1 Top-Up Savings Contribution facility. Through this initiative, the Topper has the option to make voluntary supplementary contributions to the EPF account of the receiver (it can be parents, spouse, or children).


Below are the requirements for you to apply Account 1 Top-Up Savings Contribution:

Toppee Topper
  • EPF Member
  • Below age 55
  • Malaysia citizen and Permanent Resident
  • EPF or non-EPF Member
  • Before making a payment, applicants are required to register as a savings enhancer/savings recipient by filling in Supplementary Savings/Recipient Savings Form – KWSP 3B

Account 1 Top-Up EPF Savings Registration

In order to register this voluntary contribution initiative, you have to walk-in to the EPF counter and bring your documents such as MyKad, birth certificate, marriage certificate and Supplementary Savings/Recipient Savings Form – KWSP 3B.

Register EPF Self Contribution

EPF Self Contribution Payment Method

As for the payment limit, there are no minimum limit while for the maximum limit of accumulate Voluntary Contributions (EPF Self Contribution, i-Saraan Contribution and Account 1 Top-up Savings Contribution) is RM100,000 per year as announced by Malaysia’s Prime Minister, Datuk Seri Anwar Ibrahim.

Below is the payment method/channel that you can use to contribute to EPF Self Contribution:

EPF Self Contribution & EPF i-Saraan  1. Mobile App i-Akaun
 2. Internet Banking

You can make an electronic payment via these banks:

  • Alliance Bank
  • Bank Islam
  • Bank Muamalat
  • BSN
  • CIMB Bank
  • Hong Leong Bank
  • Kuwait Finance House
  • Maybank
  • MBSB
  • Public Bank
  • RHB Bank
 3. Registered Bank Agent

You may make electronic payment/cash via Bank Agent (EB) BSN.

 4. Bank Agent Counters

You may make an electronic/cash payment via Bank Agent Counters:

  • BSN
  • Maybank
  • Public Bank
  • RHB Bank – Only payment via Debit Card and Debit transfers are accepted.

At the counter, you have to make payment along with the Self-Contribution Payment Form below:

 5. EPF Counters

You make an electronic/cash payment at EPF counters. You can pay cash (RM500 maximum)/cheque at all EPF counters in state capital including KWSP Muar.

At the counter, you have to make payment along with the Self-Contribution Payment Form below:

 6. Mobile Team (MT)/ Mobile Outreach Team (MOT)

You can pay via debit card but the amount limit is subject to the transaction limit of the payer’s debit card and the maximum limit for voluntary contribution is RM100,000 per year. However, you must complete KWSP 6A (DC) Form for payment via debit card.

Account 1 Top-Up EPF Savings 1. EPF Counters

You make an electronic/cash payment at EPF counters. You can pay cash (RM500 maximum)/cheque at all EPF counters in state capital including KWSP Muar.

At the counter, you have to make payment along with the Contribution Payment for Account 1 Supplementary Savings Form – KWSP 3B (1)


Payment EPF Self Contribution

EPF Self Contribution: Double Up Your Savings!

Hence, EPF self contribution is a powerful tool that allows you to take control of their financial future and enhance your retirement savings. By voluntarily contributing to your EPF account, employees can secure their financial well-being and enjoy tax benefits. Thus, with these three voluntary contribution initiatives you surely can double up your savings by customize your contributions based on your financial goals and circumstances.

EPF self contribution empowers you to shape your financial future, providing you with the opportunity to take charge of their retirement savings and enjoy long-term financial security. By leveraging the effective mediums discussed, you can make informed decisions and maximize the benefits of EPF self-contribution. Start taking action today and secure a brighter financial future with EPF self-contribution.

Besides double up your savings, let’s protect your future with health insurance coverage, visit the Qoala website for more information. Qoala is the leading insurance comparison and renewal platform in Malaysia, offering a guarantee of easy, secure, and fast insurance purchasing process.

About Writer
Syazwani Yahya
As a proud tourism graduate turned content writer, I've taken my love for writing and combined it with my passion for educating others about finance and insurance.

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