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The account owners who are in the following situations may apply to withdraw funds, and the maximum amount that can be withdrawn will vary according to the reason provided.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*The employer’s contribution balance in the contribution sub-account can only be withdrawn by application after the termination of a labour relationship.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