EPF Withdrawal Guide 2025: Complete Process for All Categories in Malaysia
*Last Updated: October 12, 2025 | Reading Time: 12 minutes | Category: Banking & Finance*
Table of Contents
Introduction to EPF in Malaysia {#introduction}
Key EPF Facts for 2025:
**Contribution Rate:** 24% of monthly salary (11% employee, 13% employer)
**Dividend Rate 2024:** 5.50% for conventional savings, 4.75% for Shariah savings
**Minimum Balance:** RM 240,000 recommended for basic retirement at age 55
**Account Structure:** Account 1 (70%) for retirement, Account 2 (30%) for housing/education
Who Can Withdraw from EPF?
**Malaysian citizens** and permanent residents
**Foreign workers** under specific conditions
**Self-employed individuals** who contribute voluntarily
**Heirs and beneficiaries** of deceased members
Types of EPF Withdrawals Available {#withdrawal-types}
1. **Full Withdrawal at Age 55**
**Eligibility:** Malaysian citizens aged 55 and above
**Purpose:** Retirement planning and financial security
2. **Partial Withdrawal Before Age 55**
From Account 2 (30% of total savings):
**Housing Purchase/Construction** (Age 18+)
**Children's Education** (Age 18+)
**Medical Treatment** (Any age with conditions)
**Hajj Pilgrimage** (Age 18+)
From Account 1 (70% of total savings):
**Critical Illness** (Any age)
**Mental Incapacity** (Any age)
**Leaving Malaysia Permanently** (Foreign workers)
3. **Special Withdrawals (2025 Updates)**
**EPF i-Citra:** Pandemic-related withdrawal (if still available)
**EPF i-Sinar:** COVID-19 financial assistance (check current status)
**Flexible Account:** New features for younger members
Age 55 Full Withdrawal Process {#age-55-withdrawal}
Step-by-Step Process:
**Step 1: Eligibility Verification**
**Requirements: **
Malaysian citizen or permanent resident
Reached age 55
Valid identification documents
Active EPF account
**Prepare These Documents: **
MyKad (original and photocopy)
EPF membership card
Bank account details (for direct credit)
Recent bank statement
**Step 2: Application Methods**
**Option A: Online via i-Akaun (Recommended)**
**Option B: EPF Branch Visit**
**Option C: Authorized Agent**
**Step 3: Processing and Payment**
**Processing Time:** 10-14 working days
**Payment Methods:**
Direct bank transfer (fastest)
EPF cheque collection
Cash (amounts below RM 10,000 only)
**Withdrawal Options at Age 55:**
**Full Withdrawal**
**Amount:** 100% of Account 1 + Account 2
**Tax:** No tax deductions
**Recommendation:** Consider keeping some funds for continued growth
**Partial Withdrawal**
**Minimum Retention:** RM 1,000 in Account 1
**Benefits:** Continue earning EPF dividends
**Flexibility:** Withdraw more later as needed
Partial Withdrawal Options Before 55 {#partial-withdrawal}
Housing Withdrawal (Account 2) {#housing-withdrawal}
**Purpose: ** Purchase, build, or reduce housing loan
**Eligibility Requirements:**
Age 18 and above
Malaysian citizen or permanent resident
Property must be in Malaysia
Maximum 2 withdrawals per property
**Withdrawal Limits:**
**Account 2 Balance:** Up to 100% available
**Property Value Limit:** No maximum for first property
**Subsequent Properties:** Subject to EPF guidelines
**Required Documents:**
1. *
Sales & Purchase Agreement (SPA)
Developer's license and advertising permit
Bank loan approval letter
Property valuation report
2. *
Building plan approval
Construction contract
Land ownership documents
Contractor's license
3. *
Current loan statement
Bank confirmation letter
Property ownership documents
**Application Process:**
1. *
Log in to EPF i-Akaun
Select "Housing Withdrawal"
Upload all required documents
Education Withdrawal (Account 2) {#education-withdrawal}
**Purpose: ** Children's education expenses at recognized institutions
**Eligibility:**
Child aged 18 and above
Enrolled in recognized educational institutions
Malaysian or foreign institutions (with conditions)
**Withdrawal Limits:**
**Maximum:** 100% of Account 2 balance
**Frequency:** Multiple withdrawals allowed per academic year
**Institutions:** Local universities, colleges, overseas universities
**Required Documents:**
Child's offer letter/enrollment confirmation
Institution recognition certificate
Course fee structure
Child's identification documents
Relationship proof (birth certificate)
Medical Treatment Withdrawal {#medical-withdrawal}
**Purpose: ** Critical illness treatment for member or immediate family
**Eligibility:**
Member diagnosed with critical illness
Spouse, children, or parents requiring treatment
Treatment at recognized medical facilities
**Withdrawal Sources:**
**Account 2:** For general medical expenses
**Account 1:** Only for member's critical illness
**Required Documents:**
Medical report from specialist
Treatment cost estimation
Insurance claim status (if applicable)
Online EPF Withdrawal via i-Akaun {#online-process}
**Setting Up EPF i-Akaun:**
**First-Time Registration:**
**Required Information:**
EPF membership number
MyKad/identification number
Registered mobile number
Email address
Bank account details
**Online Withdrawal Process:**
**Step 1: Login and Navigate**
Access i-Akaun with credentials
Select "Withdrawals" from main menu
Choose appropriate withdrawal type
**Step 2: Application Completion**
Fill in withdrawal details
Specify withdrawal amount
Select payment method
Upload supporting documents
**Step 3: Document Upload Requirements**
**File Format:** PDF, JPEG, PNG only
**File Size:** Maximum 5MB per document
**Quality:** Clear, legible scanned copies
**Completeness:** All required documents must be uploaded
**Step 4: Submission and Tracking**
Submit with digital signature
Receive reference number
Required Documents Checklist {#documents}
**Universal Documents (All Withdrawals):**
[ ] MyKad (original and certified copy)
[ ] EPF membership card
[ ] Recent bank statement (within 3 months)
[ ] Completed withdrawal form
**Age 55 Withdrawal Additional Documents:**
[ ] Birth certificate (if age verification needed)
[ ] Marriage certificate (for spousal benefits)
[ ] Passport (for foreign-born Malaysians)
**Housing Withdrawal Documents:**
[ ] Sales & Purchase Agreement (SPA)
[ ] Developer's license and permits
[ ] Bank loan approval letter
[ ] Property valuation report
[ ] Title deed (for completed properties)
**Education Withdrawal Documents:**
[ ] Student's offer letter
[ ] Institution accreditation certificate
[ ] Fee payment schedule
[ ] Child's birth certificate
[ ] Academic transcripts (for continuing students)
**Medical Withdrawal Documents:**
[ ] Specialist medical report
[ ] Treatment cost breakdown
[ ] Insurance coverage details
[ ] Relationship proof (for family members)
Processing Times and Fees {#processing}
**Standard Processing Times:**
**Fees and Charges:**
**Processing Fee:** FREE for all EPF withdrawals
**Document Certification:** RM 2 per page at EPF branches
**Cheque Collection:** No additional fees
**Factors Affecting Processing Time:**
**Peak Periods:** Longer delays during year-end and festive seasons
**Verification Requirements:** Additional time for document authentication
**Payment Method:** Bank transfers faster than cheque collection
Tax Implications {#tax-implications}
**EPF Withdrawals and Taxation:**
**Tax-Free Withdrawals:**
**Age 55 and above:** All withdrawals completely tax-free
**Housing (Account 2):** No tax implications
**Education (Account 2):** Tax-free for qualified expenses
**Medical withdrawals:** No tax deductions
**Contribution Tax Benefits:**
**Annual Tax Relief:** Up to RM 4,000 for voluntary contributions
**Additional Contributions:** Tax deductible up to statutory limits
**Employer Contributions:** Not considered taxable income
**Foreign Workers Tax Considerations:**
**Permanent Departure:** May withdraw full amount tax-free
**Temporary Leave:** Subject to specific tax regulations
**Double Taxation Agreements:** Check bilateral agreements with home country
**Tax Planning Tips:**
Common Mistakes to Avoid {#common-mistakes}
**Documentation Errors:**
**Application Mistakes:**
**Financial Planning Errors:**
**Prevention Strategies:**
**Double-Check Everything:** Review all information before submission
**Maintain Updated Records:** Keep EPF account information current
**Professional Consultation:** Seek financial advice for large withdrawals
**Regular Monitoring:** Check EPF balance and dividend updates regularly
Frequently Asked Questions {#faq}
**General EPF Withdrawal Questions:**
**Q: Can I withdraw my EPF before age 55?**
**Q: How long does EPF withdrawal take?**
**Q: Can someone else withdraw my EPF on my behalf?**
**Age 55 Withdrawal Specific:**
**Q: Should I withdraw everything at age 55?**
**Q: Can I work after withdrawing my EPF at 55?**
**Q: Is there a minimum amount I must leave in EPF?**
**Housing Withdrawal Questions:**
**Q: Can I use EPF for property down payment?**
**Q: How many times can I withdraw for housing?**
**Q: Can I withdraw EPF for overseas property?**
**Education Withdrawal Questions:**
**Q: Can I withdraw EPF for my own education?**
**Q: What if my child studies overseas?**
**Q: Is there a limit on education withdrawal amount?**
**Technical and Online Questions:**
**Q: What if I forgot my i-Akaun password?**
**Q: What if my document upload fails?**
Conclusion
**Key Takeaways:**
**Next Steps:**
**Check Your EPF Balance:** Log in to i-Akaun to review current savings
**Calculate Retirement Needs:** Use EPF retirement calculator tools
**Plan Your Withdrawals:** Align withdrawal timing with your financial goals
**Stay Updated:** Monitor EPF policy changes and dividend announcements
**Related Articles: **
[Malaysian Investment Options: ASB, Unit Trusts, and Stock Market](#)
[Retirement Planning in Malaysia: Beyond EPF Strategies](#)
EPF Withdrawal Guide 2025: Complete Process for All Categories in Malaysia
*Last Updated: October 12, 2025 | Reading Time: 12 minutes | Category: Banking & Finance*
Table of Contents
Introduction to EPF in Malaysia {#introduction}
Key EPF Facts for 2025:
**Contribution Rate:** 24% of monthly salary (11% employee, 13% employer)
**Dividend Rate 2024:** 5.50% for conventional savings, 4.75% for Shariah savings
**Minimum Balance:** RM 240,000 recommended for basic retirement at age 55
**Account Structure:** Account 1 (70%) for retirement, Account 2 (30%) for housing/education
Who Can Withdraw from EPF?
**Malaysian citizens** and permanent residents
**Foreign workers** under specific conditions
**Self-employed individuals** who contribute voluntarily
**Heirs and beneficiaries** of deceased members
Types of EPF Withdrawals Available {#withdrawal-types}
1. **Full Withdrawal at Age 55**
**Eligibility:** Malaysian citizens aged 55 and above
**Amount:** Complete Account 1 and Account 2 balance
**Purpose:** Retirement planning and financial security
2. **Partial Withdrawal Before Age 55**
From Account 2 (30% of total savings):
**Housing Purchase/Construction** (Age 18+)
**Children's Education** (Age 18+)
**Medical Treatment** (Any age with conditions)
**Hajj Pilgrimage** (Age 18+)
From Account 1 (70% of total savings):
**Critical Illness** (Any age)
**Mental Incapacity** (Any age)
**Leaving Malaysia Permanently** (Foreign workers)
3. **Special Withdrawals (2025 Updates)**
**EPF i-Citra:** Pandemic-related withdrawal (if still available)
**EPF i-Sinar:** COVID-19 financial assistance (check current status)
**Flexible Account:** New features for younger members
Age 55 Full Withdrawal Process {#age-55-withdrawal}
Step-by-Step Process:
**Step 1: Eligibility Verification**
**Requirements: **
Malaysian citizen or permanent resident
Reached age 55
Valid identification documents
Active EPF account
**Prepare These Documents: **
MyKad (original and photocopy)
EPF membership card
Bank account details (for direct credit)
Recent bank statement
**Step 2: Application Methods**
**Option A: Online via i-Akaun (Recommended)**
1. Log in to [EPF i-Akaun](https://www.kwsp.gov.my/member/member-registration)
6. Submit application and print receipt
**Option B: EPF Branch Visit**
3. Complete Form KWSP 3 (provided at branch)
**Option C: Authorized Agent**
3. Your complete document set
**Step 3: Processing and Payment**
**Processing Time:** 10-14 working days
**Payment Methods:**
Direct bank transfer (fastest)
EPF cheque collection
Cash (amounts below RM 10,000 only)
**Withdrawal Options at Age 55:**
**Full Withdrawal**
**Amount:** 100% of Account 1 + Account 2
**Tax:** No tax deductions
**Recommendation:** Consider keeping some funds for continued growth
**Partial Withdrawal**
**Minimum Retention:** RM 1,000 in Account 1
**Benefits:** Continue earning EPF dividends
**Flexibility:** Withdraw more later as needed
Partial Withdrawal Options Before 55 {#partial-withdrawal}
Housing Withdrawal (Account 2) {#housing-withdrawal}
**Purpose: ** Purchase, build, or reduce housing loan
**Eligibility Requirements:**
Age 18 and above
Malaysian citizen or permanent resident
Property must be in Malaysia
Maximum 2 withdrawals per property
**Withdrawal Limits:**
**Account 2 Balance:** Up to 100% available
**Property Value Limit:** No maximum for first property
**Subsequent Properties:** Subject to EPF guidelines
**Required Documents:**
1. For Purchase:*
Sales & Purchase Agreement (SPA)
Developer's license and advertising permit
Bank loan approval letter
Property valuation report
2. For Construction:*
Building plan approval
Construction contract
Land ownership documents
Contractor's license
3. For Loan Reduction:*
Current loan statement
Bank confirmation letter
Property ownership documents
**Application Process:**
1. Online Submission:*
Log in to EPF i-Akaun
Select "Housing Withdrawal"
Upload all required documents
Submit application
Education Withdrawal (Account 2) {#education-withdrawal}
**Purpose: ** Children's education expenses at recognized institutions
**Eligibility:**
Child aged 18 and above
Enrolled in recognized educational institutions
Malaysian or foreign institutions (with conditions)
**Withdrawal Limits:**
**Maximum:** 100% of Account 2 balance
**Frequency:** Multiple withdrawals allowed per academic year
**Institutions:** Local universities, colleges, overseas universities
**Required Documents:**
Child's offer letter/enrollment confirmation
Institution recognition certificate
Course fee structure
Child's identification documents
Relationship proof (birth certificate)
Medical Treatment Withdrawal {#medical-withdrawal}
**Purpose: ** Critical illness treatment for member or immediate family
**Eligibility:**
Member diagnosed with critical illness
Spouse, children, or parents requiring treatment
Treatment at recognized medical facilities
**Withdrawal Sources:**
**Account 2:** For general medical expenses
**Account 1:** Only for member's critical illness
**Required Documents:**
Medical report from specialist
Treatment cost estimation
Hospital/clinic registration documents
Insurance claim status (if applicable)
Online EPF Withdrawal via i-Akaun {#online-process}
**Setting Up EPF i-Akaun:**
**First-Time Registration:**
1. Visit [EPF i-Akaun website](https://www.kwsp.gov.my/member/member-registration)
6. Complete security questions
**Required Information:**
EPF membership number
MyKad/identification number
Registered mobile number
Email address
Bank account details
**Online Withdrawal Process:**
**Step 1: Login and Navigate**
Access i-Akaun with credentials
Select "Withdrawals" from main menu
Choose appropriate withdrawal type
**Step 2: Application Completion**
Fill in withdrawal details
Specify withdrawal amount
Select payment method
Upload supporting documents
**Step 3: Document Upload Requirements**
**File Format:** PDF, JPEG, PNG only
**File Size:** Maximum 5MB per document
**Quality:** Clear, legible scanned copies
**Completeness:** All required documents must be uploaded
**Step 4: Submission and Tracking**
Review application summary
Submit with digital signature
Receive reference number
Track status via "Application Status"
Required Documents Checklist {#documents}
**Universal Documents (All Withdrawals):**
[ ] MyKad (original and certified copy)
[ ] EPF membership card
[ ] Recent bank statement (within 3 months)
[ ] Completed withdrawal form
**Age 55 Withdrawal Additional Documents:**
[ ] Birth certificate (if age verification needed)
[ ] Marriage certificate (for spousal benefits)
[ ] Passport (for foreign-born Malaysians)
**Housing Withdrawal Documents:**
[ ] Sales & Purchase Agreement (SPA)
[ ] Developer's license and permits
[ ] Bank loan approval letter
[ ] Property valuation report
[ ] Title deed (for completed properties)
**Education Withdrawal Documents:**
[ ] Student's offer letter
[ ] Institution accreditation certificate
[ ] Fee payment schedule
[ ] Child's birth certificate
[ ] Academic transcripts (for continuing students)
**Medical Withdrawal Documents:**
[ ] Specialist medical report
[ ] Treatment cost breakdown
[ ] Hospital registration certificate
[ ] Insurance coverage details
[ ] Relationship proof (for family members)
Processing Times and Fees {#processing}
**Standard Processing Times:**
| Withdrawal Type | Online Application | Branch Application | Payment Method |
**Fees and Charges:**
**Processing Fee:** FREE for all EPF withdrawals
**Agent Fee:** RM 10 (if using authorized agent)
**Document Certification:** RM 2 per page at EPF branches
**Cheque Collection:** No additional fees
**Factors Affecting Processing Time:**
**Complete Documentation:** Faster processing with all required documents
**Peak Periods:** Longer delays during year-end and festive seasons
**Verification Requirements:** Additional time for document authentication
**Payment Method:** Bank transfers faster than cheque collection
Tax Implications {#tax-implications}
**EPF Withdrawals and Taxation:**
**Tax-Free Withdrawals:**
**Age 55 and above:** All withdrawals completely tax-free
**Housing (Account 2):** No tax implications
**Education (Account 2):** Tax-free for qualified expenses
**Medical withdrawals:** No tax deductions
**Contribution Tax Benefits:**
**Annual Tax Relief:** Up to RM 4,000 for voluntary contributions
**Additional Contributions:** Tax deductible up to statutory limits
**Employer Contributions:** Not considered taxable income
**Foreign Workers Tax Considerations:**
**Permanent Departure:** May withdraw full amount tax-free
**Temporary Leave:** Subject to specific tax regulations
**Double Taxation Agreements:** Check bilateral agreements with home country
**Tax Planning Tips:**
Common Mistakes to Avoid {#common-mistakes}
**Documentation Errors:**
2. **Expired Documents:** Using outdated bank statements or certificates
**Application Mistakes:**
**Financial Planning Errors:**
**Prevention Strategies:**
**Double-Check Everything:** Review all information before submission
**Maintain Updated Records:** Keep EPF account information current
**Professional Consultation:** Seek financial advice for large withdrawals
**Regular Monitoring:** Check EPF balance and dividend updates regularly
Frequently Asked Questions {#faq}
**General EPF Withdrawal Questions:**
**Q: Can I withdraw my EPF before age 55?**
**Q: How long does EPF withdrawal take?**
**Q: Can someone else withdraw my EPF on my behalf?**
**Q: What happens if I make a mistake in my application?**
A: Contact EPF customer service immediately. Minor errors may be correctable, but major errors might require new application submission.
**Age 55 Withdrawal Specific:**
**Q: Should I withdraw everything at age 55?**
**Q: Can I work after withdrawing my EPF at 55?**
**Q: Is there a minimum amount I must leave in EPF?**
**Housing Withdrawal Questions:**
**Q: Can I use EPF for property down payment?**
**Q: How many times can I withdraw for housing?**
**Q: Can I withdraw EPF for overseas property?**
**Education Withdrawal Questions:**
**Q: Can I withdraw EPF for my own education?**
**Q: What if my child studies overseas?**
**Q: Is there a limit on education withdrawal amount?**
**Technical and Online Questions:**
**Q: What if I forgot my i-Akaun password?**
**Q: Can I track my withdrawal application status?**
A: Yes, log in to i-Akaun and check "Application Status" section for real-time updates.
**Q: What if my document upload fails?**
Conclusion
**Key Takeaways:**
3. **Prepare Complete Documentation:** Proper paperwork prevents delays and rejections
**Next Steps:**
**Check Your EPF Balance:** Log in to i-Akaun to review current savings
**Calculate Retirement Needs:** Use EPF retirement calculator tools
**Plan Your Withdrawals:** Align withdrawal timing with your financial goals
**Stay Updated:** Monitor EPF policy changes and dividend announcements
*This comprehensive guide serves as educational content only. Always verify current EPF policies and consult official sources before making withdrawal decisions. EPF policies may change; this article reflects 2025 guidelines.*
**Related Articles: **
[Malaysian Banking Guide 2025: Opening Accounts at Major Banks](opening-bank-account-malaysia-maybank-cimb-public-bank-2025)
[Malaysia Tax Guide 2025: Income Tax for Locals and Expats](#)
[Malaysian Investment Options: ASB, Unit Trusts, and Stock Market](#)
[Retirement Planning in Malaysia: Beyond EPF Strategies](#)