- Application for Withdrawal of Funds (Withdrawal by the Heir) L2 (Form for Download CH/PT); (Sample of form completion EN)
- Photocopy(ies) of the identification document(s) of the legitimate heir(s);
- Photocopy of the notarial deed or judicial proof that shows the determination of heirship (required to produce the original for verification). If it is indicated in the notarial deed that there is a notarial will, the applicant will be required to submit a photocopy of the notarial will as well (required to produce the original for verification);
- Photocopy of the death certificate of the deceased account owner;
- Photocopy of the applicant’s bank account in patacas;
- If the deceased account owner has more than one legitimate heir, the applicant can submit the Power of Attorney for making Withdrawals by the Heir (Form H/1) (Form for download CH / PT) (Sample of form completion EN), authorizing one or more than one heir to apply for making withdrawals and receiving the money on their behalf. If the application is filed by the administrator of the waiting-to-be-divided property, it is not required to submit the Power of Attorney.
- 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]
- The individual account of the deceased account owner will be cancelled after the account is settled.
- Banks that accept fund transfer from the FSS:
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The account owners who are in the following situations may apply to withdraw funds, and the maximum amount that can be withdrawn will vary according to the reason provided.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
Death of an account owner (Withdrawal by the heir)
How to go through the formalities
Time Limit for Application
If an account owner dies, the balance in his/her individual account and any payment that he/she is entitled to receive under the law will be included in his/her estate. The administrator of the account owner’s waiting-to-be-divided property or his/her legitimate heir(s) can apply to make withdrawals of the remaining balance in his/her individual account.
Formalities and Required Documents
Applicants 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.
Service Locations and Office Hours
The account owner can submit the application either in person or through a representative
Fees
Free of charge
Time Required to Process
The vetting outcome will be communicated to the applicant via an official letter, within 14 working days from the next day after the applicant meets all eligibility requirements and submits all the required documents. (Performance Pledge)
NOTE: In some special cases where the vetting process cannot be completed on time, the applicant will be notified within 10 working days from the next day after submitting the application.
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: Can visit a service point or call (853) 2853 2850 for enquiries.
The way(s) to receive the service result: By mail
Documents to present or submit when you receive the service result: None