How to Pay EPF Self Contribution Online

Updated: March 10, 2021 / Home » Financial Plan » Banking

We can pay EPF or KWSP ourselves (self contribution) online using Maybank2U. A person or a owners who do not get salary (own business) is encouraged to participate the “EPF Self Contribution”. However, the maximum of transaction is RM 60,000 yearly.

There are many advantages of “EPF Self Contribution”. The dividend rate of the EPF is always higher than Fixed Deposit Rate provided by bank. Besides, we can get tax relief up to RM 6000 under “Life insurance and EPF” types.

Step By Step Pay EPF Online

Click on the lower right button and “back to the classic”.

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1. Login to Maybank2U, click “Investment” > “EPF”.

Maybank To EPF

2. The system will show the account which already registered by ourselves previously. Click “EPF Registered Payment”. Click “Add” to add new EPF account if we haven’t register our account.

Maybank To EPF

3. Select the “Self Contribution”.

Maybank To EPF

4. Key in the amount.

Maybank To EPF

5. Click confirm and success.

Maybank To EPF

Maybank To EPF

If you want to know more about the Historical EPF Dividend Rate, read the article here : EPF Dividend Rate (2000-2019)

48 comments on “How to Pay EPF Self Contribution Online

  1. can I transfer if I dont have an i-akaun number? I only have an EPF number.

    • Mister Leaf [ Reply ]

      Yes. You can transfer the money to your EPF number. Please follow the steps in this tutorial.

  2. Hi, self contribution fund is under account 1 or account 2?

    • MisterLeaf [ Reply ]

      70% in Account 1, 30% in Account 2.

  3. Hello there.

    May I know what is the difference between EPF OPEN PAYMENT and EPF REGISTERED PAYMENT?


  4. kelvin [ Reply ]

    Im an employee who currently contribute EPF by my employer.
    Can i still contribute it by myself?

    • MisterLeaf [ Reply ]

      sure, you still can contribute yourself.

  5. What is 1M Contribution

  6. Frank Tan [ Reply ]

    I was under employment previously but now under freelance work. Do I need to open new EPF account for personal contribution? Would the EPF account number same as the existing EPF account that I am holding (with employer) previously?

    Do I need to register a new EPF account? Please advise

  7. Thanks for your info. Appreciate it.

  8. Razman [ Reply ]

    May i know, how fast this transaction will affected the amount in kwsp account?

  9. Eunice [ Reply ]

    Can I know if i can do contribution in a single transaction from january to june?

  10. If I have contributed 60k last year in June 2019, can I again contribute 60k in February 2020?

  11. Suwardi [ Reply ]

    Can we transfer maximum yearly limit (60K) by M2U ?
    When the money credited to EPF after transferring?

    • MisterLeaf [ Reply ]

      Sure. Make sure you set your M2U transfer limit first before transfer. Few working days.

  12. Kaacip [ Reply ]

    check accuracy of your information. minimum contribution no longer rm50

  13. thank you so much. God bless you

  14. maybank2u changed the website layout, any update for this payment process?

    • MisterLeaf [ Reply ]

      Click on the lower right button and “back to the classic”.

  15. I click at “EPF open payment” instead of “EPF registered payment”. Will it effect?
    I already have EPF account before i do I-Saraan.

  16. ng fennie [ Reply ]

    hi, can i one-off contribute 60k in dec2019 to epf?

  17. wei nee [ Reply ]

    Hi, do you how can I make the EPF transfer using the new Maybank2u??

    • William [ Reply ]

      Login to Maybank2U, on the top left click on Pay & Transfer, then on the Pay & Transfer page make sure that you select the “Payee” option and then in the list of payees, search for and select EPF.

  18. leong kam chee [ Reply ]

    if i want to contribute to my own kwsp online what should i do. Must i register with kwsp and open another account. Does Ambank and RHB bank provide this service.

    • MisterLeaf [ Reply ]

      Must register and open account in KWSP if you don’t have one. If you already have KWSP account, just online transfer to your KWSP account.

  19. Mr loke [ Reply ]


    I just want to confirm, for personal contribution EPF account will be same as the existing EPF account that we are holding (with employer)?

    As some one told me, we need to apply another account for self-contribution from EPF before we can invest online?


    Mrs Loke

  20. If my salary is 70k per year…. can i contribute 60k to EPF?… i wish to put my saving money into EPF.

    • MisterLeaf [ Reply ]

      I think should be no problem.

    • Hi Chan, can you share how you survive with RM10k per year? thanks.

  21. Can pay self contributions through Cimb Click ?? Can you show me step by step pls….

  22. The transaction can show immediately at our EPF online account? How to trace?

    • MisterLeaf [ Reply ]

      No immediately. Take a few working days to update in the system. You can check online.

      • Amir Hamzah [ Reply ]

        Limit per transaction is RM5000.. can you increase the limit? .. because Limit per year is RM60000

        • I’m also looking on how to set the limit in M2U. Can anyone help?
          If no other choice, should we just transfer RM5k each with multiple transfers?

          • MisterLeaf

            Login to Maybank2U, on the top left click on Setting, then click on the Pay & Transfer. Then, set the limit.

  23. Thank you so much for the sharing.

    • MisterLeaf [ Reply ]

      You’re welcome

    • Will epf self contribution get same annual dividend rate for the compulsory contribution made by employer ?

    • Ong Kim Eng [ Reply ]

      Hallo, how can I make a self contribution to my EPF account (I am online registered) from RHB bank online (accord KWSP home page possible but how ?) or AM bank online

  24. that show 2reason i cannot pay by maybank2u
    –transaction declined.please contact bank–
    —from account is required–
    i already follow your step why cannot=(

    • MisterLeaf [ Reply ]

      Do you key in your EPF number correctly? And check again your bank account number.

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