EPF in Sabah: KWSP Savings & Withdrawals
How does EPF work in Sabah?
EPF (KWSP) is Malaysia's national retirement savings scheme. In Sabah, employees and employers contribute monthly, members manage their accounts through i-Akaun, and withdrawals are allowed for retirement and approved purposes. The Kota Kinabalu branch is at Blok A, Bangunan KWSP.
EPF in Sabah at a glance
The Employees Provident Fund (EPF), run by KWSP (Kumpulan Wang Simpanan Pekerja), is Malaysia's national retirement savings scheme. Workers and employers in Sabah contribute monthly, building a fund the member can draw on at retirement and for certain approved needs.
The Kota Kinabalu branch is at Blok A, Bangunan KWSP, 88598 Kota Kinabalu (KWSP, checked 6 October 2026). Most members rarely visit, because contributions, statements and many withdrawals are handled online through i-Akaun.
Setting up i-Akaun lets you check your balance, track contributions and apply for withdrawals from your phone — far quicker than visiting the counter.
Registration and contributions
Every employee should have an EPF account. Employers register new staff and deduct monthly contributions, adding the employer's share on top. The combined amount is credited to the member's account, where it earns an annual dividend declared by KWSP.
Self-employed people and those without an employer can contribute voluntarily through schemes such as i-Saraan. KWSP also enforces compliance, taking action against employers who fail to remit contributions on time.
Managing your account with i-Akaun
i-Akaun is the EPF's online and mobile service, and it is the easiest way to manage your savings. Through it you can check your balance, view your contribution history, update details and apply for eligible withdrawals without going to an office.
Registration steps are on the KWSP website. Once registered, the app and website give a clear picture of your retirement savings and any withdrawals you qualify for.
Withdrawals and when you can make them
Since 11 May 2024, contributions are split across three accounts: Akaun Persaraan (75%), Akaun Sejahtera (15%) and Akaun Fleksibel (10%). Akaun Sejahtera can be withdrawn for housing, education, health, insurance or takaful protection, Hajj, and at age 50 (KWSP, checked 6 October 2026). Members under 55 can withdraw from Akaun Fleksibel at any time, with a minimum of RM50 (KWSP, checked 6 October 2026).
At age 55, all three accounts are combined into Akaun 55, which you can withdraw in full or monthly. Contributions made after 55 go into Akaun Emas and can be withdrawn at 60 (KWSP, checked 6 October 2026).
Each withdrawal type has its own eligibility rules and supporting documents. Applications can usually be started in i-Akaun, with the counter available for cases that need in-person verification.
EPF rules, account structures and withdrawal conditions change over time. This page is general information, not financial advice. Confirm current rules on kwsp.gov.my or with KWSP directly.
What to bring
For counter services, bring your MyKad and your EPF number, plus the original and a copy of any supporting documents — for example a sale and purchase agreement for a housing withdrawal, or enrolment proof for education.
If you can, start the application in i-Akaun first; the counter visit then becomes a quick verification step rather than a full submission.
Office and contact details
The Kota Kinabalu branch is at Blok A, Bangunan KWSP, Beg Berkunci 2019, 88598 Kota Kinabalu. KWSP also lists branches in Keningau, Kudat, Kota Marudu, Lahad Datu, Tawau, Sandakan and Beaufort, and self-service terminals at its Kota Kinabalu branch open daily from 8:00 AM to 8:00 PM except public holidays (KWSP, checked 6 October 2026). Check kwsp.gov.my for current phone numbers, i-Akaun and withdrawal guides.