Penyata KWSP: How to Check, Download & Understand Your EPF Statement

Penyata KWSP is often required for many important financial matters in Malaysia, such as loan applications, housing transactions, personal financial planning, and retirement preparation.

Beyond external use, it also helps employees:

Check whether their employer is contributing to KWSP correctly
Confirm that contributions are paid on time and in full

Today, employees can easily download Penyata KWSP online through KWSP i-Akaun, without visiting a KWSP office. This makes it easier to monitor contributions and supports better payroll transparency.

What Is Penyata KWSP

Penyata KWSP is an official document issued by the Employees Provident Fund (KWSP). It shows a complete and detailed record of a member’s EPF savings.

The statement reflects how retirement savings accumulate over time and includes:

Monthly contributions from both employer and employee
Total EPF savings balance
Dividends credited by KWSP
Account breakdown based on age and account structure
Withdrawal history

Because it is an official KWSP document, Penyata KWSP is widely accepted by banks, financial institutions, and government agencies.

What Information Can You See in Penyata KWSP

Penyata KWSP provides a structured overview of a member’s EPF account. Understanding each section helps employees verify accuracy and plan better.

Savings Balance

The statement shows:

Opening balance at the beginning of the year
Closing balance as at 31 December
Latest balance for the current year (for recent statements)

Employees can see how contributions and dividends increase their savings annually.

Annual Dividend

Each year, KWSP declares a dividend based on fund performance. Penyata KWSP clearly shows:

The dividend amount credited
The year in which the dividend was applied

Total Contributions

The statement breaks down contributions into:

Employer contributions
Employee contributions
Self or voluntary contributions (if applicable)

The total contribution section is important for employees to verify that employer contributions match what appears on their payslip.

Not Sure Whether Your EPF Contribution Amount is Correct?

Use our EPF Contribution Calculator to check employer and employee contribution amounts based on your monthly salary.

Account Breakdown

KWSP savings are divided into different accounts depending on age.

For members below 55 years old:

Akaun Persaraan
Akaun Sejahtera
Akaun Fleksibel

For members aged 55 and above:

Akaun 55
Akaun Emas

Each account serves a different purpose, and the statement shows how savings are distributed across them.

Withdrawal Records

If withdrawals have been made, Penyata KWSP records them clearly, including withdrawals for:

Education
Housing
Medical purposes
Hajj
Retirement
Akaun Fleksibel (if applicable)

Adjustments

Penyata KWSP may also show adjustments such as:

Late payments by employers
Contribution corrections

These entries are important indicators if there were delays or errors in payroll submissions.

Shariah Savings (If Applicable)

For members who opt for Simpanan Shariah, the statement displays the effective date of Shariah savings.

Why You Should Check Your Penyata KWSP

Checking Penyata KWSP regularly benefits both employees and employers.

For employees, it helps to:

Monitor retirement savings growth
Plan finances more accurately
Ensure employer contributions match payslip deductions
Confirm that contributions are submitted every month
Detect missing or late payments early

Early detection allows issues to be resolved before they become long-term problems.

How to Download Penyata KWSP Online

KWSP provides several online options through i-Akaun.

Method 1: From i-Akaun App Home Page

Open the KWSP i-Akaun mobile app
Tap the download icon on the account summary

Select the statement year
Tap Muat turun penyata (Download Statement)

Save or share the PDF file

Note: Screen layout may differ slightly between Android and iPhone.

Method 2: From Savings Tab

Open the i-Akaun mobile app
Go to Simpanan

Tap Lihat Butiran

Click the download icon

Select the year and download the statement

This option is useful when reviewing account details first.

Method 3: From i-Akaun Website

Visit the i-Akaun (Ahli) website

Log in using your User ID and password
Click the download icon

Select the statement year

Download and save the PDF

This method is commonly used for printing or official submissions.

Other Ways to Get Penyata KWSP

If online access is not available, Penyata KWSP can still be obtained through offline channels.

Self-Service Terminal (SST)

At selected locations, you can verify your identity using MyKad/MyPR and your fingerprint in KWSP offices. Then, request the statement and the Penyata KWSP will be sent to your registered email.

KWSP Branch Office

You may also visit any KWSP branch. Bring your valid identification for verification and request assistance from the counter staff.

Statements Older Than 6 Years

Statements older than six (6) years cannot be downloaded online. To obtain older records:

Visit a KWSP office in person
Bring identification (MyKad, MyPR, or passport)
Provide supporting documents such as:
- LHDN letter
- PERKESO (SOCSO) document
- Court order
- Official request letter

Approval is subject to KWSP verification.

KWSP i-Akaun Mobile App

The KWSP i-Akaun app is available on:

Google Play Store
Apple App Store
Huawei App Gallery

Using the app, members can:

Check EPF balance
Download Penyata KWSP
Review employer contribution history
Monitor monthly payments

For employees, this is the easiest way to keep track of contributions and identify issues early.

FAQ

How can employees check if their employer paid KWSP correctly?

By comparing employer contribution amounts in Penyata KWSP with deductions shown on monthly payslips.

What should I do if my employer's contribution is missing?

Contact your employer first. If unresolved, lodge a complaint with KWSP for investigation.

How long does it take for employer payments to appear in KWSP?

Employer contributions usually appear within a few working days after submission, depending on the payment method.

Can Penyata KWSP be used to compare with payslips?

Yes. It is one of the most reliable ways to verify payroll deductions against actual contributions.

Who should I contact if employer contributions are late?

You may contact KWSP directly through official channels for clarification or enforcement.

Can employers see my Penyata KWSP?

No. Penyata KWSP is private and accessible only to the member, unless shared voluntarily.

Is Penyata KWSP accepted for housing and bank loans?

Yes. Penyata KWSP is widely accepted as supporting financial documentation.

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