55 Years EPF Withdrawal for Bankrupt

2666 Views  ⚫  Asked 7 Years Ago
asked on Sep 10, 2011 at 11:03
edited on Apr 11, 2016 at 04:26
I am declared a bankrupt -- guess what - I went over to the Employees' Provident Fund (EPF) office to apply for my 55 years withdrawal. I just told them that I wanted an Arahan Bayaran (Payment Order - a cash cheque). EPF doesn't know that you are a bankrupt as it doesn't show on their system even though you submit your MYKad. So I told them I don't have any bank account as I have left the country and I am back here to withdraw my EPF as I have to go back to New Zealand. The officer kept saying they can't issue me a Payment Order -- I told him what am I going to do as I have to leave the country shortly -- he kept saying that I must have been blacklisted or bankrupt so I told him if I am a bankrupt the immigration would have confiscated my passport. EPF didn't ask for my passport to prove. So finally EPF approved my application and I got the Arahan Bayaran (cash cheque) in about four days and I got it cash out and deposited the money into my son's account in RHB. I didn't even bother to go to JIM to get a letter of declaration -- if JIM finds out I will just tell them I already finish my money unable to pay lor!

So be happy and no worries I just want to share my experience as I will be going for a holiday via Singapore by train (I am the one who post this thread earlier) and out I go again (my passport still valid until next year) and take a flight out from Singapore to Australia.

So try your luck and do not worried too much. Good luck to all EPF bankrupt withdrawal. Try this, make your life easier.
0 had this question
Me Too
0 favorites
[ share ]
10 Answers

answered on Sep 10, 2011 at 17:07
No Worries,

Thank you for sharing this good news.

Have an enjoyable trip....
0 found this helpful

answered on Sep 10, 2011 at 18:45
edited Apr 11, 2016 at 05:10
Hi NO WORRIES! Thank you for your valuable experiences and most of all SHARING WITH US who WORRIES SO MUCH! You have a good holidays and enjoy your golden retirement with full of happiness! Warmest regards!
0 found this helpful

answered on Sep 10, 2011 at 23:37

First, congrats on successfully withdrawing your EPF money via a Arahan Bayaran, I hope my request will meet with the same outcome when I reach 55.

Second, I wonder when was the last time you travelled via the new SG Woodlands KTM station. With the new station, what if all the immigration counters use scanners? I know the immigration counters - by land - do.

Please keep us updated on your adventures! And I hope your son doesn't use up all your money while you're away. Joking.
0 found this helpful

answered on Sep 11, 2011 at 11:39
edited Apr 11, 2016 at 05:16
Of course I will shared my experiences when I went over to withdraw my 55 years EPF recently, after what we have gone through getting worried how to go about to get your hard earned money. It worked for me to get my money with no problems and hope EPF will not find out the way we lied to them! Just have to work smart and get your money without going through the pain with Jabatan Insolvensi Malaysia (JIM). EPF issued a RHB cheque and guess what, I still owed money with RHB. RHB did not ask any money from me, if they do I will tell them they do not have the right to deduct any money from my EPF not the court or the judge! So you have to stand firm. For Mr MD Lee, do not worried too much about your EPF withdrawal just try this and l have recommended to a few friends, they managed to get an Arahan Bayaran without any problems -- so just have to act normal when you are in EPF offices.

Getting out from KL to Singapore by train is not a problem at all, they don't scan your passport, the immigration officer will just go round and have a routine check inside the train before you depart from KL to Singapore. Returning back from Singapore - KL, you ought to take a train back again, when you reach Johore, don't go to the scan machine, just line up for your passport to stamp (they still use this system). I have done that many times (touch wood) so far so good, guess what, I am currently working in overseas, getting good money and try to earn as much as I could until my passport expired -- no way I can get a renewal as I am already a bankrupt.

So good luck guys and all the best so why worry and be happy. Don't stress yourself for nothing -- be positive and look at the bright side. I was lucky I came up with this bright new idea!
0 found this helpful

answered on Sep 11, 2011 at 17:27
edited Apr 11, 2016 at 05:17
No Worries... You are one very lucky guy! I must congratulate you! When I went to withdraw mine 2 years ago, the EPF system shows 'refer to JIM'. That was why I had to 'work smart' in another way.
0 found this helpful

answered on Sep 11, 2011 at 20:03
Hi LH59,

If you don't mind, please share with us what do you mean by 'work smart' in another way?
0 found this helpful

answered on Sep 16, 2011 at 11:23
Simple. JIM gave me a letter addressed to the Bank, to deduct xxx amount from my withdrawal and issue it as bank draft to JIM. I kept the letter, withdrew my money and go home.
0 found this helpful

answered on Feb 11, 2012 at 20:10
edited Apr 11, 2016 at 05:19
You are really indeed a very lucky guy on the bankruptcy case.

Since you are able to travel to overseas, why can't you just try your luck to renew your passport through the High Commission or Embassy of Malaysia in that particular country?

You might get your passport renewed. Good luck!
0 found this helpful

answered on Oct 4, 2014 at 18:00
edited Apr 11, 2016 at 05:24
I was wondering if you can update us on the immigration check point procedures. Are you still able to avoid detection by lining up to get your passport stamped. From what I know, they would scan passports with the electronic chip before stamping passports.

The other way to get to Singapore is via the Sultan Ibrahim Building from this article. "Flash your passport, preferably with a smile and they will wave you to drive on.

Thanks in advance.

Blacklisted but still slipping overseas

New Straits Times
Saturday, Oct 22, 2011

KUALA LUMPUR - Thousands of Malaysians, blacklisted in the Immigration Department database and supposedly barred from leaving the country, have been beating the system and globetrotting.

A former senior Immigration officer said the banned travellers, including National Higher Education Fund Corporation (PTPTN) defaulters and bankrupts, had found loopholes in the system and were taking advantage of them.

"This should not be happening but somehow it is," he said.

Their ticket to freedom? Leave the country at odd hours when Immigration officers are less alert.

The New Straits Times has learnt that these people would try their luck by driving out of the country either through the Causeway to Singapore or Thailand with the hope that they could exit the country with just a wave of the hand.

If successful, they would then fly to their foreign destinations.

If they were caught, they would, at the most, just have to turn back.

The officer said as long as the blacklisted were not on the Interpol "wanted" list, they would have no problems entering another country.

He added that there was an even surefire way of leaving the country - take a train out.

He said that previously, passengers leaving from Johor Baru for Singapore would need to disembark with their luggage and have their travel documents checked at the exit point before boarding the train again.

However, following a recent directive, which was made with tourism in mind, Immigration officers now boarded the trains to check their papers.

This means that therewas no way to cross-check passengers with the database.

The source said Immigration officers manning exit points were supposed to adhere to the standard operating procedure where while passports of Malaysians leaving the country need not be stamped, they were required to run a check of the document on their system.

"Obviously, some of these officers are taking the easy way out." Figures until the end of last year showed that about half a million Malaysians were barred from leaving the country.

They include those blacklisted by 13 other government agencies, including the Inland Revenue Board, Malaysian Anti-Corruption Commission, Bank Negara Malaysia, Securities Commission, Employees Provident Fund, Customs, National Registration Department, courts and Prisons Department.


The Bankruptcy Act provisioned the director-general of Insolvency to issue a notice to any Immigration officer requesting that a bankrupt be prevented from leaving Malaysia.

The law says that an Immigration officer shall be empowered to seize and deliver to the director-general of Insolvency any passport or travel document belonging to any bankrupt who attempts to leave Malaysia without the latter's permission.


Zack said that since he was blacklisted, he had travelled to Vietnam, Thailand and Indonesia, all from across the Causeway.

Met in Johor Baru at 2am as he made hisway into Singapore via the Sultan Ibrahim Building where the Customs Immigration Quarantine Complex was located, Zack said he had been enjoying the freedom of movement after scores of blacklisted friends taught him the way to evade Immigration.

"My friends told me to flash my passport, preferably with a smile but refrain from handing the document over and true enough, I always get a wave and drive on.

"From Singapore, I am free to travel to any foreign destination, but this extra travelling from Kuala Lumpur is the only downside.

"What is important is we should learn from yesterday, live for today, hope for tomorrow and never stop finding ways to beat the system," he added with a chuckle.

Another defaulter said the method also worked at the Sungai Golok and Bukit Kayu Hitam exit points.
0 found this helpful

answered on Oct 17, 2014 at 08:00

There are many agents who can take you across the boarder, it is just you must have connections. Probably ask some illegal working foreigners here in Malaysia on how they get their visit pass renewed.
0 found this helpful

Your Answer

By posting your answer, you agree to the privacy policy, cookie policy and terms of service.