Version	Changes	Date Updated

Version	Changes	Date Updated
v1.4.1	Updated credit_lines_included description to refer to the available_balance instead of current_balance.	Jun 12, 2026
v1.4	Update from EPF that EPF balance will not be provided.	Mar 19, 2026
v1.3	Changed account_number to account_id instead as the unique identifier for the account. Renamed current_amount to current_balance. Renamed available_amount to available_balance. Renamed statement_amount to statement_balance. Changed statement_balance and statement_date from mandatory to optional. Change statement_balance description. Added credit_debit_indicator as the positive/negative indicator for each of the current, available and statement amounts. Changed the underlaying structure for the 3 balances so that they are grouped individually in their respective fields. Added credit_lines_included.	Dec 19, 2025
v1.2.1	First publication

Balance Object

EPF has received approval from its Data Governance and Risk Management Committees for the data structure to be shared.

Scope of Data

Account Information: Core EPF member details
Transaction History:
- Contributions (self, employee and employer)
- Withdrawals
Account Balance: Not included

Implication for Use Cases
The approved data structure is purpose-built to support credit underwriting, with monthly contribution flows providing a reliable proxy for income and repayment capacity.
While account balance is not provided, this does not impede underwriting use cases, as contribution patterns offer sufficient signals for risk assessment.

#	Parent field	Child field	Description	Data type	Required	Possible values	Deposit (CASA)	Loans (Hire Purchase, Mortgage)	Credit Card
							(Values are exhaustive if Data type = Enum or Boolean)
1	account
2		account_id	A unique, immutable identifier assigned to the Account Number by DP during authorization.	String	Mandatory
3		credit_lines_included	A boolean indicator of whether credit lines that are available on the account have been included in the available_balance.	Boolean	Mandatory
4	current_balance				Mandatory
5		credit_debit_indicator	For deposit-type accounts, the current balance is almost always credit as it refers to the amount the customer owns. For loan_type accounts, a Debit balance refers to the outstanding principal. For credit-type accounts, a Debit balance reflects the amount owed by the account holder, while a Credit value indicates the amount the lender owes to the account holder.	Enum, String		credit debit	credit	debit	debit
6		amount	Represents the real-time balance of the account at the moment of data retrieval, excluding any pending transactions.	Decimal(10,2)		250.00	10005.23	20601.00	2338.25
7		currency	Identification of the currency in which the account is held. A code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'.	String		MYR	MYR	MYR	MYR
8	available_balance				Required if type = deposit OR credit ELSE, this field is nullable.
9		credit_debit_indicator		Enum, String		credit debit	credit	null	credit
10		amount	Represents the real-time amount of funds that can be withdrawn or utilized from the account, as determined by the financial institution at the time of data retrieval. For deposit-type accounts, it is typically calculated as: Current balance – pending outflows + pending inflows. For credit-type accounts, the available balance is typically calculated as: Credit limit – current balance – pending outflows + pending inflows. Note: For depository accounts, the available balance does not include the overdraft limit.	Decimal(10,2)		260.00	10020.50	null	2390.60
11		currency	Identification of the currency in which the account is held. A code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'.	String		MYR	MYR	null	MYR
12	statement_balance				Optional if available
13		credit_debit_indicator	For loan-type accounts, the current balance is the amount remaining on the loan (Payoff Amount). Similar to credit-type accounts, a debit balance is typically expected, while a credit amount indicates the lender owing the account holder. For credit-type accounts, a debit balance indicates the amount owed; a credit amount indicates the lender owing the account holder.	Enum, String		credit debit	credit	debit	debit
14		amount	The total amount of funds in or owed by the account. The current balance does not include pending transactions. The balance may or may not be real time.	Decimal(10,2)		200.50	11060.30	21801.70	2470.80
15		statement date	Date of the statement balance	DateString		2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00
16		currency	Identification of the currency in which the account is held. A code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'.	String		MYR	MYR	MYR	MYR

#	Parent field	Child field	Description	Data type	Required	Possible values	Depository (CASA)	Loans	Credit Card
						Possible values (Values are exhaustive if Data type = Enum)
1	accounts
2		account_number	User-facing unique string of numbers assigned to the user's bank account to uniquely identify it within the banking system. Only one account can be assigned to one unique Account Number. For credit account types, only the last 4 digits on the account is required for security purposes.	String	Mandatory	2050104077169140	2050104077169140	8697499988507940	4916579083700150
1	balances		Set of elements used to define the balance as a numerical representation of the net increases and decreases in an account after a transaction entry is applied to the account.
2		current	Represents the real-time balance of the account at the moment of data retrieval, excluding any pending transactions. For credit-type accounts, a positive value reflects the amount owed by the account holder, while a negative value indicates the amount the lender owes to the account holder.	Decimal(10,2)	Mandatory	250.00	10005.23	20601.00	2338.25
3		available	Represents the real-time amount of funds that can be withdrawn or utilized from the account, as determined by the financial institution at the time of data retrieval. For credit-type accounts, the available balance is typically calculated as: Credit limit – current balance – pending outflows + pending inflows. For depository-type accounts, it is typically calculated as: Current balance – pending outflows + pending inflows. Note: For depository accounts, the available balance does not include the overdraft limit.	Decimal(10,2)	IF account_type = depository OR credit THEN this field is required. ELSE, this field is nullable	260.00	10020.50	20601.00	2390.60
4		statement	The total amount of funds in or owed by the account. The current balance does not include pending transactions. The balance may or may not be real time. For credit-type accounts, a positive balance indicates the amount owed; a negative amount indicates the lender owing the account holder. For loan-type accounts, the current balance is the amount remaining on the loan (Payoff Amount). Similar to credit-type accounts, a positive balance is typically expected, while a negative amount indicates the lender owing the account holder. For investment-type accounts, the current balance is the total value of assets as presented by the institution.	Decimal(10,2)	Mandatory	200.50	11060.30	21801.70	2470.80
5		statement date	Date of the statement balance	DateString	Mandatory	2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00	2018-06-11T11:30:12+08:00
6		currency	Identification of the currency in which the account is held. A code allocated to a currency under an international currency identification scheme, as described in the latest edition of the international standard ISO 4217 'Codes for the representation of currencies and funds'.	String	Mandatory	MYR USD AUD HKD	MYR	MYR	MYR

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Balance v1.4

Balance Object

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