Member

Yes, you can find and submit the instruction to withdraw unclaimed benefits under “Action Items” on the top right-hand corner of the homepage if you have any unclaimed benefits.

Yes, the application for LSP/SP offsetting can still be submitted through the eMPF Platform. Please refer to the relevant User Guide for details.

Changes to the LSP/SP offsetting sequence may affect the subsidy amount under the Subsidy Scheme for Abolition of MPF Offsetting Arrangement. For details about the Subsidy Scheme, please visit Labour Department’s website.

After the implementation of the abolition of MPF offsetting arrangement, the maximum amount of LSP/SP (i.e., the sum of pre-transition and post-transition portions of LSP/SP) is still capped at HK$390,000. If an employee’s total LSP/SP exceeds HK$390,000, the amount in excess of the cap will be deducted from the post-transition portion. For more information on the eligibility for and calculation of LSP/SP, please visit Labour Department's website.

Under the MPF legislation, scheme members may only withdraw their MPF derived from mandatory contributions upon reaching the age of 65, unless they meet specific circumstances below:

• early retirement after reaching age 60
• permanent departure from Hong Kong
• death
• total incapacity
• terminal illness
• a small account balance of HK$5,000 or less

Under the MPF legislation, scheme members may only withdraw their tax-deductible voluntary contributions (TVC) upon reaching the age of 65, unless they meet specific circumstances below:

• early retirement after reaching age 60
• permanent departure from Hong Kong
• death
• total incapacity
• terminal illness
• a small account balance of HK$5,000 or less

You can submit your withdrawal request through the eMPF Mobile App or eMPF Web Portal.

For the eMPF Mobile App, log in then choose “My MPF” > “Withdraw Benefits” > “Withdrawal of Voluntary Contributions”.

For eMPF Web Portal, log in then choose “Manage MPF” > “Withdraw Benefits” > “Withdrawal of Voluntary Contributions”.

Alternatively, you may submit your request by post (P.O. Box 98929, Tsim Sha Tsui Post Office), via email (forms@support.empf.org.hk), or in person at any of the eMPF Service Centres. Please click here for the location details. You are strongly recommended to make an appointment in advance to save time queuing.

Yes, you can submit your withdrawal request using paper forms. However, it is highly recommended that you register for eMPF to enjoy a much better and easier MPF management experience.

You can register for eMPF online in just 3 simple steps:

1. complete identity verification using “iAM Smart”
2. provide your personal information
3. set up your username and password

Please refer to the relevant User Guides for details.

If you encounter difficulties registering with eMPF, you can visit any Service Centres. Please click here for the location details. You are strongly recommended to make an appointment in advance to save time queuing.

When you withdraw your MPF, you need to submit the withdrawal request through the eMPF Platform.

The payment will be made by your trustee after the Platform has completed the withdrawal administrative procedures.

Under the MPF legislation, scheme members may apply early retirement and withdraw their MPF if they reach 60 years old, have ceased all employment and self-employment, and have made a statutory declaration that they have no intention of becoming employed or self-employed again.

Click here for detailed information on the relevant application.

You can submit your application to withdraw MPF benefits on the eMPF Mobile App or eMPF Web Portal by following the steps below.

eMPF Mobile App:

1. Go to “My MPF” > “Withdraw Benefits”
2. Click “Claim MPF Benefits” and then choose “Early Retirement” as the claim reason
3. Select the MPF account you would like to withdraw benefits.

eMPF Web Portal:

1. Go to “Manage MPF” > “Withdraw Benefits”
2. Click “Claim MPF Benefits” and then choose “Early Retirement” as the claim reason
3. Select the MPF account you would like to withdraw benefits.

Under the MPF legislation, scheme members must fulfil below requirements to apply for withdrawing MPF benefits of a small balance:

1. have a balance of not more than HK$5,000 in only one MPF scheme;
2. as at the date of application, at least 12 months must have elapsed since the last contribution date; and
3. make a statutory declaration that they have no intention of becoming employed or self-employed again.

Click here for detailed information on the relevant application.

You can submit your application to withdraw MPF benefits of a small balance via the eMPF Mobile App or eMPF Web Portal by following the steps below.

eMPF Mobile App:

1. Go to “My MPF” > “Withdraw Benefits”
2. Click “Claim MPF Benefits” and then choose “Small Balance (HKD)” as the claim reason
3. Select the MPF account you would like to withdraw benefits.

eMPF Web Portal:

1. Go to “Manage MPF” > “Withdraw Benefits”
2. Click “Claim MPF Benefits” and then choose “Small Balance (HKD)” as the claim reason
3. Select the MPF account you would like to withdraw benefits.

The eMPF Platform does not charge any handling fee for your withdrawal application.

However, MPF schemes may have different policies and arrangements for withdrawal by instalments. Before submitting an application, scheme members should contact their trustees to obtain more information.

If an employer fails to pay SP to an employee, the employee can make a SP offsetting request by submitting a completed "Notice of Termination for Long Service Payment/Severance Payment (LSP/SP) Offset Request" form (NOT) [download] to the eMPF Platform, the employee must provide the following information in the NOT:

1. the last date of employment;
2. the total SP amount the employee* is entitled to; and
3. the employee’s signature, which must match the signature record maintained in the relevant member account

If there are no employer acknowledgement and agreement on the employee’s SP offsetting arrangement, the employee needs to provide the following supporting documents to prove the entitlement to the SP:

1. Application form and claim form (Form 1 and Form 2) from the Labour Tribunal; and Award/Court order from the Labour Tribunal
   OR
2. Application Form for Ex-gratia Payment from the Protection of Wages on Insolvency Fund (Form 1); and the payment notice on releasing the Protection of Wages on Insolvency Fund ("PWIF") (Form 8) issued by the Wage Protection Division of the Labour Department

*Please note that, with the implementation of the abolition of the MPF offsetting arrangement, if you were employed before 1 May 2025 and your last date of employment is on or after 1 May 2025, both the pre-transition portion and the post-transition portion of the SP must be provided in the NOT. The eMPF Platform will verify the SP amount (including pre- and post- transition portions) against the amount stated in the aforementioned supporting documents.

For details of the abolition of the MPF offsetting arrangement and calculation of SP, please refer to the Labour Department’s Thematic Webpage on the Abolition of MPF Offsetting Arrangement or call their hotline at 2717 1771.

You can submit an application to withdraw your MPF benefits via the eMPF Mobile App or eMPF Web Portal. You are required to upload a medical certificate issued by a registered medical practitioner or a registered Chinese medicine practitioner (including the practitioner’s registration number). The certificate must certify that you are permanently unfit to perform the kind of work specified in the certificate (total incapacity) (i.e. Form MPF(S) – W(M)) or that you have an illness that is likely to reduce your life expectancy to 12 months or less (terminal illness) (i.e. Form MPF(S) – W(T)).

Alternatively, you may submit a completed and duly signed “Claim Form for Payment of MPF Accrued Benefits (Benefits) on Grounds of Permanent Departure from Hong Kong / Total Incapacity / Terminal Illness / Small Balance / Death (Form MPF(S) – W(O))” along with your HKID card copy and the medical certificate to the eMPF Platform.

Please be reminded that you are required to provide the original certificate upon request. If necessary, the eMPF Platform may also contact the relevant practitioner to verify the certificate. For details, please refer to the MPFA website.

You can submit an application to withdraw your MPF benefits via the eMPF Mobile App or eMPF Web Portal. You are required to upload a copy of the documents / evidence that you are permitted to reside in a place other than Hong Kong, the statutory declaration form on permanent departure (Form MPF(S) – W(SD2)) and a copy of the Letter of Release issued by the Inland Revenue Department (unless not applicable).

Alternatively, you may submit a completed and duly signed “Claim Form for Payment of MPF Accrued Benefits (Benefits) on Grounds of Permanent Departure from Hong Kong / Total Incapacity / Terminal Illness / Small Balance / Death (Form MPF(S) – W(O))” along with your HKID card copy and the above mentioned supporting documents to the eMPF Platform.

Please be reminded that you are required to provide the original supporting documents upon request. If you have already left Hong Kong, you can submit certified true copies of the required documents to us for verification instead. For details, please refer to the MPFA website.

Scheme members who wish to withdraw their MPF benefits may be required to provide the original supporting documents for verification. If scheme members have already left Hong Kong, certified true copies of the required documents may be accepted instead. The claim will only be processed after the eMPF Platform has received and verified a completed withdrawal application together with all required supporting documents. Failure to provide the original or certified true copies for verification may result in rejection of the claim. For required supporting documents, please refer to the MPFA website.