How to Download EPF Statement Online

The Employees Provident Fund (EPF), also known as Kumpulan Wang Simpanan Pekerja (KWSP), is Malaysia’s national retirement saving scheme. It is a mandatory savings plan designed to help private-sector employees accumulate funds for retirement through monthly contributions from both employers and employees.

One of the most important aspects of managing your EPF savings is keeping track of your contributions and account balance. This is where the EPF statement comes in — it provides a detailed overview of your transactions, including monthly contributions, dividends earned, and withdrawals (if any).

Thanks to i-Akaun, the official online platform of EPF, accessing your statement has never been easier. Instead of making a trip to a physical branch, members can now conveniently download their EPF statements online anytime, anywhere.

Whether you’re applying for a loan, preparing tax documents, or simply monitoring your retirement savings, having access to your latest EPF statement is essential. In this guide, we’ll walk you through the step-by-step process to download your EPF statement online — quickly, safely, and hassle-free.

What is an EPF statement and why is it important

What does an EPF statement include

An EPF statement is an official record issued by the KWSP that details the status and history of your retirement savings. It serves as a financial snapshot of your EPF account and is crucial for anyone looking to manage their long-term financial health. It serves as an essential document that provides transparent and up-to-date information on your EPF contributions and account status.

Balances for Account 1, Account 2, and Account 3

• Account 1: Reserved strictly for retirement and can only be accessed under specific conditions (e.g., retirement, disability, death).
• Account 2: Can be used for approved purposes such as education, housing, and healthcare.
• Account 3: A relatively new feature introduced for flexible withdrawals.

Interest / dividend earned

• The annual dividend declared by EPF based on the fund’s investment returns is reflected in each account accordingly.

Contributions made by employee and employer

• Each monthly contribution is itemized, showing the respective amounts from your salary as well as your employer.

Withdrawal history

• A complete record of withdrawals made under approved schemes or categories (e.g., housing, education, i-Lestari, i-Sinar, etc.)

This statement gives members a clear picture of their retirement preparedness and financial discipline, making it a powerful tool for financial planning.

When do you need it

Your EPF statement isn’t just for your own peace of mind — it’s also a vital document in various personal, financial, and legal scenarios. Here’s when you’ll typically need it:

For loan applications

Banks and financial institutions may request your EPF statement as part of their credit evaluation process, especially for housing or personal loans. It gives them an overview of your financial stability and savings discipline.

For tax filing

While EPF contributions are tax-deductible (up to a certain limit), having your EPF statement helps when you’re filing taxes or verifying the total deductions made. It also provides a record in case of any tax-related audits.

For retirement planning

Your EPF statement shows you how close you are to your retirement goals. By tracking the balances in Account 1, 2, and 3, and the dividends earned, you can plan how much you need to save and whether to consider voluntary contributions.

For checking employer contribution accuracy

Mistakes or delays in employer contributions can happen. Your statement allows you to verify monthly payments from both your employer and yourself, ensuring everything is up to date and accurate.

To help you understand what to expect when you download your EPF statement, here's a simplified layout that mirrors the key sections of the actual document:

Registering for i-Akaun (First-time users)

To access your EPF statement online, you’ll need to register for i-Akaun. It allows you to view your account details, contributions, transaction history, and more — all from your computers or mobile devices.

Full Access vs. View Access

When registering for i-Akaun, you’ll be given two types of access options. Here's what each one means:

Full Access

• Requires identity verification with biometric fingerprint at an EPF office or a Self-Service Terminal (SST). This ensures full security for sensitive transactions
• Includes: View statements, manage nominations, update personal info, apply for withdrawals, and more.

View Access

• Register online using your mobile phone registered with EPF. No need to visit a physical branch
• Includes: Basing viewing rights — statements, contribution details, and balances.

How to Register

Here’s how to get started with i-Akaun registration:

Step-by-Step Guide (For View Access):

1. Go to the KWSP i-Akaun Portal: Look for the "Register Now" link under the i-Akaun section.
2. Enter your MyKad (IC) number
3. Verify your mobile number: Ensure it matches the number registered with EPF. You will receive an activation code via SMS. 

Activating your i-Akaun

Once you’ve registered and received your transaction autorization code (TAC), the next step is to activate your i-Akaun so you can start using it to check your EPF statement and more.

Steps to activate:

1. Go to i-Akaun portal: Click “Login” to Member (i-Akaun).

2. Enter user ID and password received via SMS.

3. Create your login credential: User ID, password, security image, and security phrase.

Done. Your i-Akaun is now fully activated. You can log in anytime to view your EPF statement and manage your account.

How to login and download your EPF statement

Once your i-Akaun is activated, you can log in anytime to check your EPF balances, contributions, and download your statement.

Log into i-Akaun

1. Go to https://iakaun.kwsp.gov.my/portal/member/login
2. Enter your credentials: User ID and password (Note: Before entering your password, make sure the security image and phrase shown match what you selected during setup.)

Navigate to and download your EPF statement

Once you’ve successfully logged into i-Akaun, you’ll immediately land on the Home tab, which displays a summary of your EPF account:

1. Balances for Account 1, Account 2, and Account 3 are displayed, and you will see a download icon on the top-right corner
2. Click the icon and choose the year your want from the drop-down menu
3. The system will generate and display your EPF statement for that year, you may download it as a PDF or print it for official use.

Troubleshooting Tips

Forgot password or User ID

Don’t worry — if you’ve forgotten your login details, there are easy ways to recover access to your i-Akaun.

1. Go to i-Akaun login page and click on “Forgot user ID or password?”.

2. Select User ID, Password, or User ID and password.

3. Select the “Type of ID” from the drop-down menu (NRIC / EPF) and enter the corresponding ID.

4. Enter your registered mobile number with EPF and TAC sent to your registered mobile number.

5. In case of forgetting any information:

• Forgot User ID: Your User ID will be displayed accordingly.
• Forgot password: Reset your password accordingly.
• Forgot User ID & password: User ID will be displayed and reset your password accordingly.

Can’t download PDF

If you're having trouble downloading your EPF statement as a PDF, try these quick fixes:

Disable pop-up blockers

Your browser may block the EPF statement from opening in a new tab or window, turn off pop-up blockers temporarily in your browser settings.

Switch to a different browser

The EPF i-Akaun works best on Google Chrome or Mozilla Firefox. If you’re using other browsers, try switching for better compatibility.

Clear your browser cache

Old data may cause loading or display issues, go to your browser settings and clear the cache and cookies, then refresh the page.

Security tips for using i-Akaun

Your EPF savings are important—keep your i-Akaun secure by following these simple best practices:

Never share your password 🔐

Even with close friends or family. Your i-Akaun contains sensitive financial data.

Avoid suspicious links and emails ⚠️

EPF will never ask for your login credentials via email or SMS. If something feels off, don’t click — go directly to the official KWSP website instead.

Use a strong password 🔑

Create a password that includes uppercase, lowercase, numbers, and special characters. Change your password every 3 - 6 months to enhance protection.

Enable SMS / OTP 📲

Where applicable, always use SMS TAC to confirm actions. It adds an extra layer of security.

Where else can you check your EPF balance

Besides logging in through the web portal, there are a couple of other convenient ways to view your EPF savings:

EPF Kiosks: Available at EPF branches and selected locations (e.g., shopping malls or government buildings).

EPF Mobile App (KWSP i-Akaun): Downloadable on both Android (Google Play) and iOS (App Store).

Display of homepage after logging into the KWSP mobile app as below:

Keep Your EPF at Your Fingertips

Using i-Akaun is a convenient and secure way to manage your EPF savings. Whether you're checking your Account 1, 2, or the newly introduced Account 3, or downloading your annual statement for purposes such as loan applications, tax filing, or retirement planning, i-Akaun gives you instant access to everything you need—all from the comfort of your home.

By regularly logging in to your i-Akaun, you can ensure your employer contributions are accurate, monitor your savings growth, and make informed decisions for your financial future. The platform is available 24/7, offers high-level security with verification and TAC codes, and simplifies many of the processes that once required visiting a branch.

Need help?

If you’re ever stuck or want to explore more EPF features, here are some quick-access resources: