Malaysia weighs expanding EPF i-Sayang to non-citizen wives

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Daria Chernytska

11.11.2026

Malaysia weighs expanding EPF i-Sayang to non-citizen wives — I-Sayang for foreign wives

The government is considering a proposal to expand the Employees Provident Fund’s (EPF) i-Sayang scheme, allowing Malaysian husbands to make voluntary contributions for their non-citizen wives. The move is being considered in the context of protecting families’ retirement savings, as well as its implications for the programme’s policy framework, governance and sustainability.

Highlights

The Malaysian government is considering a proposal to expand the EPF i-Sayang scheme to non-citizen wives, while ensuring it remains aligned with retirement savings objectives.
The Ministry of Finance stressed that legal, governance, operational and sustainability aspects must be carefully assessed before i-Sayang eligibility is expanded.
Since March 2023, 233,371 husbands have transferred RM563.6 million to 233,547 wives through i-Sayang as of 31 August 2026.

This article was translated from the original. Read the original version by our correspondent here.

Policy considerations and scope of the proposal

As reported by The Edge Malaysia, the Ministry of Finance said the proposal would be carefully studied to ensure any expansion remains aligned with i-Sayang’s original objectives and the EPF’s retirement savings policy framework.

In a written parliamentary reply published on the Parliament’s website on Wednesday, the ministry said the suitability of implementation must be carefully assessed, including its impact on protection and retirement savings objectives, as well as legal, governance, operational and programme sustainability considerations.

The ministry was responding to a question from Rodziah Ismail of Pakatan Harapan-Ampang about the strategy and implementation mechanism for allowing Malaysian husbands to make voluntary contributions for their non-citizen wives, given that non-citizen husbands are already allowed to do so for their Malaysian citizen wives.

Programme scale and implications for contributors

i-Sayang is a government initiative that allows husbands to voluntarily transfer 2% of their employee contributions into their wives’ EPF accounts.

Since its launch in March 2023, 233,371 husbands nationwide have registered as contributors, with 233,547 wives as recipients. As of 31 August 2026, a total of RM563.6 million had been transferred through i-Sayang.

The government’s review of this eligibility expansion indicates that any changes to the scheme must balance broader access for families with different citizenship statuses against the EPF’s core objective of preserving long-term retirement savings.

This development follows our earlier article on protection for GLC/GLIC funds financing government projects without guarantees.

This material may contain third-party opinions, none of the data and information on this webpage constitutes investment advice according to our Disclaimer. While we adhere to strict Editorial Integrity, this post may contain references to products from our partners.

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