- The fund withdrawal can be applied by logging in to the “Macao One Account” mobile app / online platform;
- 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. - 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.
- Application for Withdrawal of Funds L1 (Form for Download CH/PT); (Sample of form completion EN)
- 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);
- 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);
- 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)
- If the account owner is incapacitated, please read the Formalities of Making Withdrawal on Behalf of an Incapacitated Account Owner.
- Social Security Fund, St. Lazarus Parish Field Office
Address: Rua Eduardo Marques, nos 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 - 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) - 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) - Public Services Centres under the Municipal Affairs Bureau [Detailed address]
- 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.
- 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.
- Banks that accept fund transfer from the FSS:
- Can visit a service point or call (853) 2853 2850 for enquiries.
- You may log in to “My affair” in the “Macao One Account” mobile app.
- 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.)
- If you use the “Macao One Account” to file the objection statement, you will receive a reminder message from the “Macao One Account”.
Service Introduction
The account owners who meet the following requirements can apply for making withdrawal of all or part of the money in their individual accounts. The account owner can make withdrawals, only once a year, of all or part of the money in his/her individual account.
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 can only be withdrawn by application after the termination of a labour relationship.
*Legitimate heir can apply for making withdrawal from the individual account of the 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 whose applications for withdrawal of funds have been approved can withdraw all or part of the funds in their individual accounts.
Ways of Enquiries
Implementation Department and Unit: Social Security Fund – Division of General Affairs of Provident Fund System
Service Location: Detailed address
By phone: （853）2853 2850
By calling our interactive voice response hotline: （853）2823 0230（24-hour）
By fax: （853）2853 2840（24-hour）
By email: at@fss.gov.mo
By visiting our website: http://www.fss.gov.mo
For account owner age 65 or older
How to go through the formalities
Time Limit for Application
The account owner can make withdrawal, only once a year, of all or part of the money in his or her individual account.
Formalities and Required Documents
Service Locations and Office Hours
The account owner can submit the application either in person or through a representative
Set-Up Locations of Self-Service Machines
Fees
Free of charge
Time Required to Process
Depending on the circumstances of the case
Remarks/Points to Note
| 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:
The way(s) to receive the service result:
Documents to present or submit when you receive the service result: None