How to withdraw EPF money?

Log in to i-Akaun (portal or app), select 'Withdrawal', choose the withdrawal type. For Flexible Account, you can withdraw anytime without any reason — minimum RM50.

How long does EPF withdrawal take?

Flexible Account withdrawals usually take 2-3 working days. Sejahtera Account withdrawals take 7-14 working days depending on the type and documentation.

Can I withdraw all my EPF money?

No. Retirement Account (75%) is locked until age 55. Flexible Account (10%) can be withdrawn anytime. Sejahtera Account (15%) is only for specific purposes.

What are the requirements for Flexible Account withdrawal?

No special requirements — withdraw for any purpose. Minimum withdrawal is RM50 and you need sufficient balance.

What is the maximum EPF withdrawal for Hajj?

From January 2026, the maximum EPF withdrawal for Hajj has been increased to RM10,000 (from Sejahtera Account).

EPF Withdrawal 2026 — How to Withdraw, Rules & Account Guide

Types of EPF Withdrawal in 2026

Since EPF’s account restructuring, member savings are split into 3 accounts. Each account has different withdrawal rules.

Comparison of 3 EPF Accounts

Account	Allocation	Can Withdraw?	Conditions
Retirement Account (Account 1)	75%	No (before 55)	Locked until age 55, or incapacitation/death
Sejahtera Account (Account 2)	15%	Yes (specific purposes)	Housing, education, healthcare, Hajj, age 50+
Flexible Account (Account 3)	10%	Yes (anytime)	Minimum RM50, any purpose

Flexible Account Withdrawal (Account 3)

The easiest withdrawal option. No reason needed, no documents required.

Requirements:

Minimum RM50 balance in Flexible Account
Withdraw as often as you want
For any purpose — no questions asked
Funds credited to your bank account within 2-3 working days

How to apply:

Log in to i-Akaun (app or portal)
Select Withdrawal
Choose Flexible Account
Enter the amount you want to withdraw
Confirm your bank account details
Done — wait for funds to arrive

Sejahtera Account Withdrawal (Account 2)

This account can only be withdrawn for specific purposes:

Permitted Withdrawal Purposes

Purpose	Withdrawal Limit	Documents Required
Housing (buy/build home)	Based on balance	Sale and purchase agreement
Education (self/children)	Based on fees	Offer letter / fee invoice
Healthcare	Based on bills	Doctor’s letter / hospital bills
Hajj	Max RM10,000 (2026)	Tabung Haji confirmation
Age 50	Full Account 2 balance	No additional documents
PTPTN repayment	Based on loan balance	PTPTN confirmation letter

How to Apply for Sejahtera Account Withdrawal

Log in to i-Akaun
Select Withdrawal
Choose your withdrawal purpose (e.g., Housing, Education, Healthcare)
Upload supporting documents
Enter withdrawal amount
Submit application
Wait for approval (7-14 working days)

Retirement Account Withdrawal (Account 1)

This account is locked until:

Age 55 — full withdrawal
Age 50 — partial withdrawal
Leaving employment (age 50+)
Permanent incapacitation — full withdrawal
Death — nominees receive funds
Emigrating permanently from Malaysia

How to Withdraw EPF Online (i-Akaun Guide)

All withdrawal types can be applied through i-Akaun without visiting a counter:

Visit member.kwsp.gov.my or open the KWSP i-Akaun app
Log in with your credentials
Select Withdrawal from the menu
Choose the relevant withdrawal type
Complete the details and upload documents (if required)
Review and confirm your application
Receive status notifications via app/SMS

Important Tips

Make sure your bank account number in i-Akaun is correct before applying
Keep copies of supporting documents in PDF/image format before starting
For healthcare withdrawals — documents can be uploaded even during ongoing treatment
Hajj withdrawal RM10,000 (new 2026 limit) — ensure you have an active Tabung Haji queue number
Use the i-Akaun app to track application status in real-time