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Application for Withdrawal of Funds from the Non-Mandatory Central Provident Fund System

Service Introduction

Individual account owners under the non-mandatory central provident fund system can apply to withdraw all or part of the funds from their individual accounts if they meet the following conditions.  Account owners can withdraw all or part of the funds from their individual accounts only once per year.

Service Target and Eligibility Criteria

The account owners who are in the following situations may apply to withdraw funds, and the maximum amount that can be withdrawn will vary according to the reason provided.

Reasons for making withdrawals All or part of the balance in the individual account The upper limit is the amount accumulated under the allocation system (Note2)
He/she has attained age 65 (Note1) (Note4) (Note5)  √
He/she is under age 65 but in the following situations:
There is a need to bear huge medical expenses due to serious injury or illness of his/her own  √
He/she has attained age 60 and is not engaged in any paid activities (Note 3) (Note5)  √
He/she has humanitarian or other properly explained reasons  √
There is a need to bear huge medical expenses due to serious injury or illness of his/her spouse, any degree of lineal consanguinity or affinity  √
He/she has been receiving disability pension from the Social Security Fund for more than one year (Note 1) (Note5)  √
 He/she is currently receiving special disability subsidy from the Social Welfare Bureau (Note 1) (Note5)  √

*The employer’s contribution balance in the contribution sub-account under the non-mandatory central provident fund system can only be withdrawn by applying after the employment relationship has been terminated.
*Legal heirs can apply to withdraw funds from the individual account of a deceased account owner.

Note1: The following eligible account owners can apply for making withdrawal through the self-service machine:
I. Account owner who reaches age 65 and is currently receiving old-age pension/disability pension from the FSS, or subsidy for senior citizens from the SWB;
II. Account owner under age 65, who has been receiving disability pension from the FSS for more than one year;
III. Account owner who is currently receiving special disability subsidy from the SWB.
Note2: The upper limit is the sum of the incentive basic funds and the special allocation of funds from budget surplus that are injected into the accounts by the government over the past years and less the accumulated amount of withdrawals.
Note3: Once the application has been approved, the individual account owner cannot withdraw funds for the same reason again.
Note4: Account holders who have attained 65 years of age and who are currently receiving old-age or disability pension from the Social Security Fund can apply for Registration for Automatic Withdrawal of Funds.
Note5: The fund withdrawal can be applied by logging in to the “Macao One Account” mobile app / online platform.

Application Result

Account owners with approved fund withdrawal applications under the non-mandatory central provident fund system can withdraw all or part of the funds from their individual accounts.

Ways of Enquiries

Implementation Department and Unit: Social Security Fund, Division of General Affairs of Provident Fund System
Service Points and Office Hours:

  1. Social Security Fund, St. Lazarus Parish Field Office
    Address: Rua Eduardo Marques, n.ᵒˢ 2 a 6, Macau
    Office Hours:
    Monday to Thursday: 09:00-13:00, 14:30-17:45
    Friday: 09:00-13:00, 14:30-17:30
  2. Macao Government Services Centre (Social Security Affairs)
    Address: Rua Nova da Areia Preta, n.º 52, 1.º andar, Área P, Macau
    Office Hours: Monday to Friday: 09:00-18:00 (No lunch break)
  3. Macao Government Services Centre in Islands (Social Security Affairs)
    Address: Rua de Coimbra, n.º 225, 3.º andar, Zona G ,Taipa
    Office Hours: Monday to Friday: 09:00-18:00 (No lunch break)
  4. Public Services Centres under the Municipal Affairs Bureau
    • Central District Public Services Centre (Complexo da Rotunda de Carlos da Maia)
      Address: Rotunda de Carlos da Maia, n.ᵒˢ 5 e 7, Complexo da Rotunda de Carlos da Maia, 3.º andar, , Macau
      Office Hours: Monday to Friday: 09:00-18:00 (No lunch break)
    • Islands District Public Services Centre (Seac Pai Van Station)
      Address: Avenida de Vale das Borboletas, Complexo Comunitário de Seac Pai Van, 6.º andar, , Coloane
      Office Hours: Monday to Friday: 09:00-13:00, 14:30-17:00

Telephone: (853) 853 2850

24-Hour Interactive Voice Response Hotline: (853) 2823 0230

Fax: (853) 2853 2840

Email: at@fss.gov.mo

Website: http://www.fss.gov.mo

For account owner age 65 or older

How to go through the formalities

Time Limit for Application

Under the non-mandatory central provident fund system, individual account owners can withdraw all or part of the funds from their individual accounts only once per year.

Formalities and Required Documents

  1. Account owners can log in to the “Macao One Account” mobile app or the online platform, as well as the “Online Services” section of the Social Security Fund website, to complete the process;
  2. To apply through self-service machines:
    For account owners who reach 65 years of age and are receiving old-age pension or disability pension from the Social Security Fund, or subsidy for senior citizens or special disability subsidy from the Social Welfare Bureau, they can also use the self-service machines to apply for the withdrawal of funds if they are unable to submit the application in person or through a representative.
  3. If necessary, account owners may submit the following documents in person or through a representative. The form is available at all service points of the Social Security Fund or can be downloaded from the Social Security Fund’s website.
    1. Application for Withdrawal of Funds L1 (Form for Download CH/PT); (Sample of form completion EN)
    2. A photocopy of the account owner’s Macao SAR Resident ID Card (Beneficiaries currently receiving old-age or disability pension from the Social Security Fund (abbreviated to FSS in Macao) are exempt from submitting this, but required to produce their valid Macao SAR Resident ID Card (original or photocopy) for identity verification);
    3. A photocopy of the account owner’s bank account in patacas (If the account owner has applied to deposit the money in the bank account that he/she receives old-age or disability pension from the FSS, or the subsidy for senior citizens or special disability subsidy from the SWB, he/she is exempt from submitting a photocopy of his/her bank account);
    4. If the withdrawal of funds involves the balance of the contribution sub-account or preserved sub-account, the account owner must submit Form L1 – Attached table (Form for Download CH/PT) at the same time; (Sample of form completion EN)
    5. If the account owner is incapacitated, please read the Formalities of Making Withdrawal on Behalf of an Incapacitated Account Owner.

Service Points and Office Hours

  1. Social Security Fund, St. Lazarus Parish Field Office
    Address: Rua Eduardo Marques, n.ᵒˢ 2 a 6, Macau
    Office Hours:
    Monday to Thursday: 09:00-13:00, 14:30-17:45
    Friday: 09:00-13:00, 14:30-17:30
  2. Macao Government Services Centre (Social Security Affairs)
    Address: Rua Nova da Areia Preta, n.º 52, 1.º andar, Área P, Macau
    Office Hours: Monday to Friday: 09:00-18:00 (No lunch break)
  3. Macao Government Services Centre in Islands (Social Security Affairs)
    Address: Rua de Coimbra, n.º 225, 3.º andar, Zona G ,Taipa
    Office Hours: Monday to Friday: 09:00-18:00 (No lunch break)
  4. Public Services Centres under the Municipal Affairs Bureau
    • Central District Public Services Centre (Complexo da Rotunda de Carlos da Maia)
      Address: Rotunda de Carlos da Maia, n.ᵒˢ 5 e 7, Complexo da Rotunda de Carlos da Maia, 3.º andar, , Macau
      Office Hours: Monday to Friday: 09:00-18:00 (No lunch break)
    • Islands District Public Services Centre (Seac Pai Van Station)
      Address: Avenida de Vale das Borboletas, Complexo Comunitário de Seac Pai Van, 6.º andar, Coloane
      Office Hours: Monday to Friday: 09:00-13:00, 14:30-17:00
  5. Self-Service Machines (including those in Macao and the Cooperation Zone in Hengqin)
    For the set-up locations and opening hours, please refer to the “Government 24-Hour Self-Service Centre” on the Identification Services Bureau’s website:
    https://www.dsi.gov.mo/eservice/pt/muti-kiosk-service.jsp

Fees

Free of charge

Time Required to Process

Depending on the circumstances of the case

Remarks/Points to Note

  1. Account holders who have attained 65 years of age and who are currently receiving old-age or disability pension from the Social Security Fund can apply for Registration for Automatic Withdrawal of Funds.
  2. The self-service machine’s default payment method is deposit into the bank account that the account owner is currently using to receive old-age pension, disability pension, subsidy for senior citizens or special disability subsidy.
  3. Banks that accept fund transfer from the FSS:
Bank of China China Construction Bank Luso International Banking
Industrial and Commercial Bank of China China Guangfa Bank Delta Asia Bank
Banco Comercial de Macau Banco Well Link The HongKong & Shanghai Bank
Tai Fung Bank OCBC
Banco Nacional Ultramarino The Macau Chinese Bank

Check the progress of application and receive the service result

Check the progress of application:

  1. If you use the “Macao One Account”, you can check the progress in “My e-Affairs”
  2. Log in to the “Online Services” page on the Social Security Fund’s website to check the progress
  3. Telephone: (853) 2853 2850
  4. Visit a service point of the Social Security Fund in person

The way(s) to receive the service result:

  1. Can choose to receive notification by mail or by mobile text message (SMS).  (If the application is not granted, it will be notified by mail at the same time.)
  2. If you use the “Macao One Account” to file the objection statement, you will receive a reminder message from the “Macao One Account”.
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