20th November 2025 - 4 min read
Voluntary contributions to the Employees Provident Fund (EPF) have become an important option for Malaysians who want to strengthen their retirement savings. While mandatory contributions provide a foundation, many individuals choose to top up their EPF accounts to increase long-term security, support future plans, or maintain consistent savings during periods without formal employment.
RHB has introduced a top-up feature [PDF] within its mobile banking app, providing a digital channel that allows users to complete contributions without visiting a branch or EPF office.
EPF voluntary contributions can help individuals build a more stable financial future. Some contributors top up to close gaps in their savings, especially if they are self-employed, work freelance, or have irregular income.
Others may want to increase their retirement funds to support long-term goals such as home ownership, education planning, or ensuring adequate income for later years.
Voluntary top ups also offer flexibility. Contributors can decide how much they want to add based on their financial capacity at the time, giving them greater control over their savings strategy.
The top-up function is available to RHB customers through the RHB Mobile Banking App. Users must have an active RHB Current or Savings Account or RHB Current or Savings Account-i, as contributions are deducted directly from these accounts.
The feature supports voluntary contributions to a personal EPF account or to the account of a spouse, child, or dependent. This makes it practical for households that manage savings together.
Before starting a top up, it is important to understand the basic requirements. Contributors must provide accurate EPF account details, including the identification number and account number of the recipient. This ensures that the contribution is credited to the correct account.
It is also helpful to take note of the processing time. Contributions made through the RHB Mobile Banking App will take up to three business days to appear in the EPF account. Planning ahead is useful for those who contribute regularly or need the amount reflected by a specific date.
To begin, log in to the RHB Mobile Banking App and select the EPF Top Up icon under the Services tab. You may choose a saved recipient from your favourites list or create a new contribution.
The app will display an important notice explaining key terms. Tap Continue to move forward.
Next, enter the recipient’s EPF details, followed by the contribution amount. Once the information is complete, review the transaction summary. When everything is accurate, tap Approve to submit the contribution.
A notification will appear once the submission is successful.
After the transaction has been submitted, the contribution will be processed and reflected in the EPF account within three business days. This timeframe allows both RHB and EPF to verify and record the information accurately.
The app also allows you to add the recipient to your favourites, making future contributions easier.
RHB Current and Savings Account or Current and Savings Account-i are protected by PIDM up to RM250,000 for each depositor. This protection does not apply to investment products.
As with all financial services, terms and conditions apply. Users who need further details may refer to RHB’s official channels or the EPF website for updated information on voluntary contributions and eligibility guidelines.
With the introduction of the EPF Top Up feature in the RHB Mobile Banking App, Malaysians now have an accessible digital method to manage voluntary retirement savings. The feature supports consistent saving habits and allows individuals to strengthen their long-term financial planning through controlled and flexible contributions.
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Samuel writes about personal finance and financial news, focusing on how banking updates, policies, and promotions affect everyday money decisions. He enjoys making complicated financial topics easier to follow. Outside of writing, he spends his time watching TV shows and occasionally convincing himself he will only watch one episode.
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