Upon the onboarding of a scheme to the eMPF Platform, the administration of the scheme will be performed by the eMPF Platform. Participating employers and scheme members of the scheme are immediately required to manage their MPF accounts through the eMPF Platform and submit their MPF administration instructions to the Platform for processing.
Upon onboarding of an MPF scheme to the eMPF Platform, all employers and scheme members of the scheme are required to register with the eMPF Platform to obtain an eMPF ID and user credentials for future logins to the eMPF Platform to manage their MPF accounts electronically.
We strongly recommend employers and scheme members to manage their MPF accounts through digital means. However, employers and scheme members, if they prefer, can still submit their MPF related instructions to the eMPF Platform in paper form via different means (e.g. by post, fax, email to designated contact address or number, or in person to drop-in box at any of the eMPF Service Centres).
From the onboarding date onwards, administrative services of an MPF scheme will be performed by the eMPF Platform instead of the trustee. Information and records of an MPF account under the scheme will be transferred to the eMPF Platform. This includes all types of accounts, such as employees’ contribution accounts, tax-deductible voluntary contribution accounts, special voluntary contribution accounts, personal accounts etc.
The eMPF Platform’s fully automated, digitalized one-stop design, coupled with the “cost recovery” operation principle, sets to reduce the administration cost of MPF. The “straight pass-on” requirement of the MPF legislation stipulated that administration fee of MPF schemes charged by the trustees must not exceed the Platform fees they pay to the eMPF Platform Company, so the cost savings will be “passed straight on”, leading to a corresponding reduction by the trustees in their overall fees and charges, which will benefit MPF scheme members directly.
All employers and members have to submit MPF administration instructions to the eMPF Platform after their participating scheme is onboarded to the eMPF Platform.
No, you are required to submit MPF administration instructions to the eMPF Platform for processing.
You should start managing your MPF accounts through the eMPF Platform from the date on which the MPF scheme that you are participating in onboards to the eMPF Platform. You may find the onboarding schedule of the schemes on the eMPF website.
Trustees are required to properly carry out their fiduciary duties (including duty of prudence, duty of diversification, duty of loyalty and duty of compliance) and act in the best interest of scheme members. These duties remain unchanged after the launch of the eMPF Platform.
The eMPF Platform (including both eMPF Web Portal and eMPF Mobile App) operates on a 24/7 basis.
The eMPF Platform is provided in the form of web portal and mobile application. Given the appropriate configurations and setting of the users’ devices, the eMPF Platform can be operated regardless of geographic locations.
The service pledge of various services of the eMPF Platform are published on the eMPF website.
All MPF schemes, including Industry Schemes, will be onboarded to the eMPF Platform according to the onboarding schedule.
Only MPF schemes will be onboarded to the eMPF Platform. ORSO trustees/administrators can make use of the eMPF Platform to transfer benefits from ORSO schemes to MPF schemes. Other than that, ORSO scheme administration will not be supported by the eMPF Platform.
The e-Enquiry of Personal Account (ePA) and the eMPF Platform are two completely different digital applications. Users of ePA have to register with the eMPF Platform separately so as to use the functions of the eMPF Platform.
You can ask your intermediary or representative, e.g. family member, to fill in the e-form online via the eMPF Assistant Portal. You will then be able to review and verify the e-form prepared by them and submit it on the eMPF Member Portal.
There is no special browser setting for accessing the eMPF Platform. You can use the latest version of Microsoft Edge, Mozilla Firefox, Safari or Google Chrome to access the eMPF Platform, and you are required to enable JavaScript and allow cookies on your browser.
Trustees and their schemes will get onboard the eMPF Platform in sequence one by one (details - www.empf.org.hk). After your other scheme has got onboard, your account information of that scheme will be automatically shown on the eMPF Platform.
No. There is no charge for registering and using the eMPF Platform.
If you attempt to open the eMPF Mobile App and it pops up with this notification, it could indicate that your device may have suspicious applications from unofficial sources installed that pose a potential security risk, including granted excessive access.
We advise you to take actions to continue using the eMPF Mobile App:
You may refer to the relevant MPF Scheme Brochures.
The Annual Benefit Statement generally provides information regarding the contributions and investments of your MPF account during the past scheme year, including:
The legislation stipulates that the Annual Benefit Statement must be issued within three months following the end of each scheme year.
For information regarding the financial year-end date of individual schemes, please refer to “Registered MPF Schemes and Constituent Funds and Repository of Scheme Documents” or contact your trustee.
You can log in to the eMPF Mobile App or eMPF Web Portal and find the Annual Benefit Statement under “My Account” > “My Letter and Statement”.
Note: For letters/statements issued by your trustee(s) prior to onboarding to the eMPF Platform, please contact your trustee(s) directly.
The Annual Benefit Statement reflects only the contributions that were fully processed during the previous scheme year.
For information regarding the financial year-end date of individual schemes, please refer to “Registered MPF Schemes and Constituent Funds and Repository of Scheme Documents” or contact your trustee.
The Annual Benefit Statement reflects only the contributions that were fully processed during the previous scheme year.
If certain contributions are not reflected in the ABS, it indicates that they were not fully processed during the previous scheme year.
For information regarding the financial year-end date of individual schemes, you can refer to “Registered MPF Schemes and Constituent Funds and Repository of Scheme Documents” or contact your trustee.
You may refer to the “Total Contributions” field under the “Contribution Statement” section. You may also refer to the “Summary of Contributions” section for further details.
The eMPF Platform places great importance on the privacy and cybersecurity of employers and scheme members. As a security measure, users may be required to complete a “puzzle matching test” after entering their username and password to ensure that the login attempt is not made by an automated bot.
The eMPF Platform requires employers or scheme members to utilize strong passwords to safeguard their personal data and ensure their account security. The Platform’s password complexity requirements are aligned with established industry best practices and relevant regulatory standards.
Upon your first login, you may choose to enable biometric authentication, which will facilitate more convenient access to your account through biometric verification in the future.
No, using a rooted/jailbroken device may compromise its security and increase the risk of fraudulent transactions.
To ensure your account safety, we recommend keeping your device in its original, unmodified state.
If you attempt to open the eMPF Mobile App and it pops up with this message, it could indicate that your device may have been modified (commonly known as “jailbroken” or “rooted”) or you have turned on the 'Developer Options’ that pose a potential security risk.
We advise you to take actions to continue using the eMPF Mobile App:
• Ensure your device’s configuration has not been modified
• Turn off 'Developer Options’ (if applicable)