Cara Keluarkan KWSP Akaun 2 (2025 Guide) | How to Withdraw EPF Account 2

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🇲🇾 BAHASA MELAYU - Cara Keluarkan Duit KWSP Online (2025)

Kumpulan Wang Simpanan Pekerja (KWSP) membenarkan pengeluaran untuk pelbagai tujuan. Dalam panduan lengkap ini, kami akan tunjukkan cara mengeluarkan duit KWSP secara online dengan mudah dan selamat.

Jenis-Jenis Pengeluaran KWSP

Pengeluaran Sebelum Umur 55:

Pembelian rumah pertama

Pendidikan anak-anak

Rawatan perubatan kritikal

Pelaburan unit trust yang diluluskan

Pembayaran balik pinjaman perumahan

Pengeluaran Selepas Umur 55:

Pengeluaran penuh (umur 55 tahun)

Pengeluaran berkala bulanan

Pengeluaran untuk kegunaan khas

Keperluan Asas

Dokumen Diperlukan:

MyKad yang sah

Akaun bank aktif

Borang pengeluaran (online/manual)

Dokumen sokongan mengikut jenis pengeluaran

Syarat Kelayakan:

Ahli KWSP aktif

Mencapai umur minimum mengikut jenis pengeluaran

Mempunyai baki mencukupi dalam Akaun 2

Langkah 1: Log Masuk ke Portal i-Akaun

1. Pergi ke laman web rasmi KWSP: www.kwsp.gov.my

2. Klik "i-Akaun" di bahagian atas

3. Masukkan No. MyKad dan kata laluan

4. Lengkapkan pengesahan 2-faktor (SMS/email)

💡 Tips: Jika belum daftar i-Akaun, klik "Daftar Sekarang" dan ikut arahan.

Langkah 2: Pilih Jenis Pengeluaran

Untuk Pembelian Rumah:

1. Pilih "Pengeluaran" dari menu utama

2. Klik "Pengeluaran Akaun 2 - Perumahan"

3. Pilih "Pembelian Rumah" atau "Bayar Balik Pinjaman"

Untuk Pendidikan:

1. Pilih "Pengeluaran Akaun 2 - Pendidikan"

2. Pilih "Pendidikan Anak" atau "Pendidikan Sendiri"

Untuk Rawatan Perubatan:

1. Pilih "Pengeluaran Akaun 1 - Rawatan Perubatan"

2. Pilih jenis rawatan (kritikal/tidak kritikal)

Langkah 3: Isi Borang Online

Maklumat Peribadi:

Nama penuh (auto-filled)

No. MyKad

Alamat terkini

No. telefon aktif

Alamat email

Maklumat Pengeluaran:

Jumlah yang dipohon

Tujuan pengeluaran

Tarikh diperlukan

Butiran bank (No. akaun, nama bank)

Upload Dokumen:

Salinan MyKad (depan & belakang)

Dokumen sokongan (SPA, resit, bil perubatan)

Penyata bank terkini

Langkah 4: Dokumen Sokongan Mengikut Jenis

Pembelian Rumah:

Salinan Perjanjian Jual Beli (SPA)

Surat kelulusan pinjaman bank

Geran atau sijil hak milik tanah

Resit bayaran deposit

Pendidkan Anak:

Surat tawaran universiti/kolej

Resit yuran yang telah dibayar

Sijil kelahiran anak

Salinan MyKad anak (jika ada)

Rawatan Perubatan:

Laporan perubatan dari doktor pakar

Anggaran kos rawatan

Resit rawatan (jika sudah dibayar)

Surat pengesahan hospital

Langkah 5: Semak dan Hantar Permohonan

Semakan Akhir:

1. Pastikan semua maklumat betul

2. Semak dokumen telah diupload

3. Baca terma dan syarat

4. Tick kotak pengesahan

Hantar Permohonan:

1. Klik "Hantar Permohonan"

2. Dapatkan no. rujukan permohonan

3. Print atau save resit permohonan

4. Akan terima SMS/email pengesahan

Langkah 6: Jejak Status Permohonan

Melalui i-Akaun:

1. Log masuk ke i-Akaun

2. Pilih "Status Permohonan"

3. Masukkan no. rujukan permohonan

4. Semak status terkini

Status Yang Mungkin:

**Dalam Proses**: Dokumen sedang disemak

**Perlu Dokumen Tambahan**: Lengkapkan dokumen

**Diluluskan**: Wang akan dikreditkan

**Ditolak**: Permohonan tidak berjaya

Tempoh Pemprosesan

Jenis Permohonan & Tempoh:

Pembelian rumah: 10-14 hari bekerja

Pendidikan: 7-10 hari bekerja

Rawatan perubatan: 3-7 hari bekerja

Pelaburan: 14-21 hari bekerja

💡 Tips: Tempoh mungkin lebih lama jika dokumen tidak lengkap.

Masalah Biasa & Penyelesaian

Permohonan Ditolak:

Semak kelayakan mengikut syarat KWSP

Pastikan dokumen lengkap dan sah

Hubungi Kaunter Khidmat KWSP

Dokumen Ditolak:

Upload dokumen dalam format PDF/JPEG

Pastikan dokumen jelas dan boleh dibaca

Saiz fail tidak melebihi 2MB

Wang Belum Masuk:

Semak no. akaun bank betul

Hubungi bank untuk pengesahan

Tunggu 2-3 hari bekerja selepas kelulusan

Kaedah Alternatif

Kaunter KWSP:

Datang ke mana-mana cawangan KWSP

Bawa dokumen asal dan salinan

Ambil nombor giliran

Isi borang manual

Kiosk KWSP:

Tersedia di shopping mall terpilih

Proses sama seperti online

Dapat bantuan staff jika perlu

Tips Penting

Sebelum Memohon:

✅ Semak baki Akaun 1 dan 2 dalam i-Akaun

✅ Pastikan semua dokumen lengkap

✅ Baca syarat kelayakan dengan teliti

✅ Kira jumlah sebenar yang boleh dikeluarkan

Semasa Memohon:

✅ Gunakan komputer/laptop untuk pengalaman terbaik

✅ Upload dokumen dalam kualiti tinggi

✅ Double-check semua maklumat sebelum hantar

✅ Simpan no. rujukan permohonan

Kesimpulan

Pengeluaran KWSP secara online sangat mudah dan pantas. Pastikan anda memahami syarat kelayakan dan sediakan semua dokumen yang diperlukan. Jika ada masalah, jangan segan untuk hubungi talian khidmat KWSP di 03-8922 6000.

Guna wang KWSP dengan bijak untuk tujuan yang bermanfaat bagi masa depan anda!

🇬🇧 ENGLISH - How to Withdraw EPF Money Online (2025)

The Employees Provident Fund (EPF) allows withdrawals for various purposes. In this comprehensive guide, we'll show you how to withdraw EPF money online easily and securely.

Types of EPF Withdrawals

Withdrawals Before Age 55:

First home purchase

Children's education

Critical medical treatment

Approved unit trust investments

Housing loan repayment

Withdrawals After Age 55:

Full withdrawal (age 55)

Monthly periodic withdrawal

Special purpose withdrawal

Basic Requirements

Required Documents:

Valid MyKad

Active bank account

Withdrawal form (online/manual)

Supporting documents by withdrawal type

Eligibility Criteria:

Active EPF member

Meet minimum age by withdrawal type

Sufficient balance in Account 2

Step 1: Login to i-Akaun Portal

1. Go to official EPF website: www.kwsp.gov.my

2. Click "i-Akaun" at the top

3. Enter MyKad number and password

4. Complete 2-factor authentication (SMS/email)

💡 Tip: If haven't registered i-Akaun, click "Register Now" and follow instructions.

Step 2: Select Withdrawal Type

For House Purchase:

1. Select "Withdrawals" from main menu

2. Click "Account 2 Withdrawal - Housing"

3. Choose "House Purchase" or "Loan Repayment"

For Education:

1. Select "Account 2 Withdrawal - Education"

2. Choose "Children's Education" or "Self Education"

For Medical Treatment:

1. Select "Account 1 Withdrawal - Medical"

2. Choose treatment type (critical/non-critical)

Step 3: Fill Online Form

Personal Information:

Full name (auto-filled)

MyKad number

Current address

Active phone number

Email address

Withdrawal Information:

Amount requested

Withdrawal purpose

Required date

Bank details (Account number, bank name)

Upload Documents:

MyKad copy (front & back)

Supporting documents (SPA, receipts, medical bills)

Latest bank statement

Step 4: Supporting Documents by Type

House Purchase:

Copy of Sale & Purchase Agreement (SPA)

Bank loan approval letter

Land title or certificate of ownership

Deposit payment receipt

Children's Education:

University/college offer letter

Paid tuition fee receipts

Child's birth certificate

Child's MyKad copy (if available)

Medical Treatment:

Medical report from specialist doctor

Treatment cost estimate

Treatment receipts (if already paid)

Hospital confirmation letter

Step 5: Review and Submit Application

Final Check:

1. Ensure all information is correct

2. Verify documents are uploaded

3. Read terms and conditions

4. Tick confirmation box

Submit Application:

1. Click "Submit Application"

2. Get application reference number

3. Print or save application receipt

4. Receive SMS/email confirmation

Step 6: Track Application Status

Through i-Akaun:

1. Login to i-Akaun

2. Select "Application Status"

3. Enter application reference number

4. Check latest status

Possible Status:

**In Process**: Documents being reviewed

**Additional Documents Required**: Complete documents

**Approved**: Money will be credited

**Rejected**: Application unsuccessful

Processing Time

Application Type & Duration:

House purchase: 10-14 working days

Education: 7-10 working days

Medical treatment: 3-7 working days

Investment: 14-21 working days

💡 Tip: Duration may be longer if documents incomplete.

Common Issues & Solutions

Application Rejected:

Check eligibility according to EPF conditions

Ensure documents complete and valid

Contact EPF Customer Service

Documents Rejected:

Upload documents in PDF/JPEG format

Ensure documents clear and readable

File size not exceeding 2MB

Money Not Received:

Check bank account number correct

Contact bank for confirmation

Wait 2-3 working days after approval

Alternative Methods

EPF Counter:

Visit any EPF branch

Bring original documents and copies

Take queue number

Fill manual form

EPF Kiosk:

Available at selected shopping malls

Same process as online

Get staff assistance if needed

Important Tips

Before Applying:

✅ Check Account 1 and 2 balance in i-Akaun

✅ Ensure all documents complete

✅ Read eligibility conditions carefully

✅ Calculate actual withdrawable amount

During Application:

✅ Use computer/laptop for best experience

✅ Upload high-quality documents

✅ Double-check all information before submit

✅ Save application reference number

Conclusion

EPF online withdrawal is very easy and fast. Make sure you understand eligibility conditions and prepare all required documents. If you have problems, don't hesitate to contact EPF service line at 03-8922 6000.

Use your EPF money wisely for purposes that benefit your future!

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