Hong Kong – Withdraw MPF benefits for permanent depature

Reasons for early withdrawal of MPF

Hong KongHave you worked in Hong Kong and accrued Mandatory Provident Fund (MPF) benefits during your employment? Usually, you’re only entitled to your MPF benefits after you reach the age of 65 years. However, there are several scenarios when you can withdraw your MPF benefits early. Those include:

  • Early retirement
  • Permanent departure from Hong Kong
  • Total incapacity
  • Terminal illness
  • Small balance
  • Death

Permanent departure from Hong Kong

If you’re permanently leaving Hong Kong (ie, not intending to return to live or work), you can apply to withdraw your MPF benefits early (ie, before you reach the age of 65 years).

The application involves making a statutory declaration. You must declare that you have departed or will depart from Hong Kong to reside elsewhere with no intention of returning for employment or to resettle in Hong Kong as a permanent resident. You must also provide documentary proof that you are permitted to reside in a place outside Hong Kong. If you have previously withdrawn your MPF because you permanently departed Hong Kong, you will not be entitled to make any subsequent application on the same grounds with a later departure date. This means if you’re not sure whether you’ll be returning to Hong Kong to work again in the future, you should consider very carefully if (and how) you intend to withdraw your MPF benefits.

How do you apply?

You can find the relevant statutory declaration/form here FORM MPF(S) – W(SD2) “Statutory Declaration for claims for payment of MPF accrued benefits on grounds of permanent departure from Hong Kong”.

If you’re signing this statutory declaration in Australia, you must sign it in front of a notary public who must witness your signature and notarise your statutory declaration. You must submit the original notarised statutory declaration to your MPF trustee.

Unlike other notarised documents for Hong Kong, FORM MPF(S) – W(SD2) usually doesn’t require an apostille, but you should always check with your MPF trustee before returning the documents to them.

The Mandatory Provident Fund Schemes Authority is aware that criminals and crime syndicates exploit payment claims (especially early withdrawals) and will prosecute people who make false or misleading statements. The Authority proactively conducts random checks and investigates suspected cases to take enforcement action.

Notarisation made simple

Notarising FORM MPF(S) – W(SD2) for Hong Kong follows these simple steps:

  • You must appear before our notary public
  • You must prove your identity with your Hong Kong Identity Card or your Passport (original documents required)
  • You must declare that your statutory declaration is true
  • You must sign the statutory declaration in front o our notary public.

Once you do this, our notary public can then confirm that they have identified you and witnessed your signature. They’ll notarise your document (ie, sign, stamp and seal), after which you can then submit the original notarised statutory declaration to your MPF trustee.

Apostille is not required

Generally, documents sign in Australia but being used in Hong Kong must be stamped with an apostille. We help many clients with this process, especially when they’re signing other legal documents for Hong Kong. However, the MPF trustee doesn’t require this statutory declaration to be stamped with an apostille. Until we receive further direction, declaring and signing it in front of a notary public is sufficient.

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Do you have any questions?

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So, what's next?

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Why choose Phang Legal for your notary public services?

We're a leading provider of notary public services in Sydney. We're known for our experience and expertise in notarising documents for other countries, our low-cost fixed fees and service offering, and our availability to help on short notice.

Our office is conveniently located in Parramatta, the geographic centre of the Sydney metropolitan area. We help clients from across Sydney and beyond with personal, professional and timely notary public services.

Ern Phang, Notary Public
Ern Phang
Notary Public

This website is maintained by Phang Legal, a boutique law firm in Parramatta and a leading provider of quality notary public services to satisfied clients across Sydney.

Ern Phang is a director of Phang Legal and a notary public (since 2005). Ern regularly writes about his experiences as a notary public and the issues faced by his clients in sending documents to other countries.

All information on this website is for general purposes only and correct at the time of publication. Only rely on information and advice that is specific to your situation and current at the time you wish to rely on it.