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<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 12pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt/14pt Times New Roman, Times, Serif; margin: 0; text-align: center"><BR>
<B>UNITED STATES</B></P>

<P STYLE="font: 10pt/14pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Washington, D.C. 20549</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Pursuant to Section 13 or 15(d) of</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>The Securities Exchange Act of 1934</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 6pt 0 0; text-align: center">Date of Report (Date of earliest
event reported): February 12, 2012</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<HR ALIGN="CENTER" NOSHADE SIZE="1" STYLE="color: Black; width: 100%; margin-top: 3pt; margin-bottom: 3pt">
<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>EFT HOLDINGS, INC.</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center">(Exact Name of Registrant as Specified
in its Charter)</P>

<TABLE ALIGN="CENTER" CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 25%; font-weight: bold; text-align: center">Nevada</TD>
    <TD STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 46%; font-weight: bold; text-align: center">000-53730</TD>
    <TD STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 25%; font-weight: bold; text-align: center">20-1211204</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">(State or other jurisdiction of incorporation or organization)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">(Commission File Number)</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">(I.R.S. Employer Identification No.)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>17800 Castleton Street</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>Suite 300</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>City of Industry, CA 91748<BR>
</B>(Address of principal executive offices, including zip code)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>(626) 581 3335</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center">(Registrant&rsquo;s telephone number,
including area code)</P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

<HR ALIGN="CENTER" NOSHADE SIZE="1" STYLE="color: Black; width: 100%; margin-top: 3pt; margin-bottom: 3pt">
<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt/11pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-align: justify">Check the appropriate box below if
the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</P>

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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 3%; padding-top: 6pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="width: 97%; padding-top: 6pt">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="padding-top: 6pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="padding-top: 6pt">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 6pt"><FONT STYLE="font-family: Wingdings 2">&#163;</FONT></TD>
    <TD STYLE="padding-top: 6pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</TD></TR>
</TABLE>
<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0 0 6pt; text-indent: 0in">&nbsp;</P>

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<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-indent: 0in">&nbsp;</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><B>Section 4 &ndash; Matters Related to Accountants and Financial
Statements</B></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 6pt; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 49.5pt"><B>Item 4.02</B></TD><TD><B>Non-Reliance on Previously Issued Financial Statements or a Related Audit Report or Completed Interim Review.</B></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">On February 12, 2012, the audit committee of the board of
directors (the &ldquo;Audit Committee&rdquo;) of EFT Holdings, Inc. (the &ldquo;Company&rdquo;) determined that the Company&rsquo;s
previously issued unaudited interim consolidated financial statements as of and for the quarterly periods ended June 30 and September
30, 2011 should no longer be relied upon due to historical accounting errors relating to the calculation of the Company&rsquo;s
cost of goods sold (&ldquo;COGS&rdquo;) for those periods.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">During the preparation of the Company&rsquo;s unaudited interim
consolidated financial statements for the quarterly period ended December 31, 2011, the Company&rsquo;s management observed that
the initial COGS calculations for that quarter appeared to be unusually low compared to previous quarters of fiscal 2012. Upon
further investigation, the Company&rsquo;s management discovered that the value of goods in transit (&ldquo;GIT&rdquo;) was omitted
from the COGS calculation for those periods. The Company historically has relied upon a third-party logistics company to provide
periodic inventory figures from which it has calculated its COGS.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">The Company&rsquo;s management has since recalculated the
GIT and COGS for the quarterly periods ended June 30 and September 30, 2011. Based on the recalculation, the initial estimate is
that the COGS for the quarterly period ended June 30, 2011 was overstated by $614,991. Accordingly, the Company&rsquo;s consolidated
net income for that reporting period was understated by the same amount. The recalculation for the quarterly period ended September
30, 2011 initially indicates that the COGS was understated by an estimated $359,534. Thus, the Company&rsquo;s consolidated net
income for that reporting period was overstated by the same amount.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">The Company&rsquo;s board of directors agreed with the Audit
Committee&rsquo;s conclusions, and the Company intends to restate these financial statements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 12pt">The Audit Committee is overseeing this restatement and a
review of the historical accounting errors. The accounting errors did not result from any changes in the Company&rsquo;s internal
accounting policies, and the Company has no evidence that the errors resulted from any fraud or intentional misconduct. The Audit
Committee is overseeing the Company&rsquo;s reinforcement of its internal controls, specifically those related to its COGS calculations.
Going forward, the Company will receive a separate detailed report for each reporting period from the third-party logistics company
that reflects all GIT, and the Company&rsquo;s management will separately track those figures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 6pt">The Audit Committee and the Company&rsquo;s management have
discussed the matters disclosed in this Item 4.02 with Child, Van Wagoner &amp; Bradshaw, PLLC, the Company&rsquo;s independent
registered public accounting firm.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center">*********</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 12pt 0 0">This Current Report on Form 8-K contains statements that are
&ldquo;forward-looking statements&rdquo; as defined under the Private Securities Litigation Reform Act of 1995. Forward-looking
statements represent the Company&rsquo;s estimates and assumptions only as of the date of this Form 8-K. These forward-looking
statements include statements regarding the qualitative and quantitative effects of the accounting errors, the periods involved,
the nature of the Company&rsquo;s review and any anticipated conclusions of the Company or its management and other statements
that are not historical facts. The Company&rsquo;s actual results may differ materially from the results described in or anticipated
by these forward-looking statements due to certain risks and uncertainties. These factors include, but are not limited to, those
described under the heading &ldquo;Risk Factors&rdquo; in the Company&rsquo;s Annual Report on Form 10-K, dated August 23, 2011
(as filed with the Securities and Exchange Commission) and in documents subsequently filed by the Company with the Securities and
Exchange Commission from time to time. These potential risks and uncertainties include, among other things, the outcome and results
of the Company&rsquo;s review, the risk that the final conclusion of the review could result in a determination that the effect
of the issues under review are materially greater or lesser than the Company currently believes to be the case, the risk that these
matters could adversely affect the Company&rsquo;s ability to make timely filings with the Securities and Exchange Commission,
additional issues that may arise in connection with the ongoing review, risks of damage to the Company&rsquo;s business and reputation
arising from these matters, potential claims or proceedings relating to such matters, including stockholder, employee and customer
litigation and/or claims and action by the SEC and/or other governmental agencies, and the additional risk factors described in
the Company&rsquo;s filings with the Securities and Exchange Commission. The Company expressly disclaims any duty to provide updates
to any forward-looking statements made in this Current Report on Form 8-K, whether as a result of new information, future events
or otherwise.</P>



<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"></P>

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<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-align: justify; text-indent: 0in">Pursuant to the
requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its
behalf by the undersigned hereunto duly authorized.</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-indent: 0in; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; text-indent: 0in; font-weight: bold">EFT Holdings, Inc.</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-indent: 0in; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; text-indent: 0in">(Registrant)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-indent: 0in; font-weight: bold">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; text-indent: 0in; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-top: 0.25in; text-indent: 0in; width: 50%">Date: &nbsp;February 16, 2012</TD>
    <TD STYLE="padding-top: 0.25in; text-indent: 0in; width: 3%">By:</TD>
    <TD STYLE="padding-top: 0.25in; text-indent: 0in; width: 47%; border-bottom: Black 1pt solid"><I> /s/ William E. Sluss</I></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-indent: 0in">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; text-indent: 0in">William E. Sluss</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; text-indent: 0in">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="padding-right: 5.4pt; text-indent: 0in">Principal Financial and Accounting Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt/12pt Times New Roman, Times, Serif; margin: 0 0 12pt; text-indent: 0in">&nbsp;</P>

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[{"type": "8-K", "sequence": "1", "filename": "v302978_8k.htm", "description": "FORM 8-K", "secsgml_size_bytes": 16724}]
{"company-data": {"conformed-name": "EFT Holdings, Inc.", "cik": "0001450973", "assigned-sic": "5990", "irs-number": "770719310", "state-of-incorporation": "NV", "fiscal-year-end": "0331"}, "filing-values": {"form-type": "8-K", "act": "34", "file-number": "000-53730", "film-number": "12618680"}, "business-address": {"street1": "929 RADECK CT", "city": "CITY OF INDUSTRY", "state": "CA", "zip": "91748", "phone": "626 581 0388"}, "mail-address": {"street1": "929 RADECK CT", "city": "CITY OF INDUSTRY", "state": "CA", "zip": "91748"}, "former-company": {"former-conformed-name": "EFT BIOTECH HOLDINGS INC", "date-changed": "20081201"}}
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
The Securities Exchange Act of 1934
Date of Report (Date of earliest
event reported): February 12, 2012
EFT HOLDINGS, INC.
(Exact Name of Registrant as Specified
in its Charter)
Nevada
000-53730
20-1211204
(State or other jurisdiction of incorporation or organization)
(Commission File Number)
(I.R.S. Employer Identification No.)
17800 Castleton Street
Suite 300
City of Industry, CA 91748
(Address of principal executive offices, including zip code)
(626) 581 3335
(Registrant's telephone number,
including area code)
Check the appropriate box below if
the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
£
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
£
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
£
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
£
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Section 4 – Matters Related to Accountants and Financial
Statements
Item 4.02
Non-Reliance on Previously Issued Financial Statements or a Related Audit Report or Completed Interim Review.
On February 12, 2012, the audit committee of the board of
directors (the "Audit Committee") of EFT Holdings, Inc. (the "Company") determined that the Company's
previously issued unaudited interim consolidated financial statements as of and for the quarterly periods ended June 30 and September
30, 2011 should no longer be relied upon due to historical accounting errors relating to the calculation of the Company's
cost of goods sold ("COGS") for those periods.
During the preparation of the Company's unaudited interim
consolidated financial statements for the quarterly period ended December 31, 2011, the Company's management observed that
the initial COGS calculations for that quarter appeared to be unusually low compared to previous quarters of fiscal 2012. Upon
further investigation, the Company's management discovered that the value of goods in transit ("GIT") was omitted
from the COGS calculation for those periods. The Company historically has relied upon a third-party logistics company to provide
periodic inventory figures from which it has calculated its COGS.
The Company's management has since recalculated the
GIT and COGS for the quarterly periods ended June 30 and September 30, 2011. Based on the recalculation, the initial estimate is
that the COGS for the quarterly period ended June 30, 2011 was overstated by $614,991. Accordingly, the Company's consolidated
net income for that reporting period was understated by the same amount. The recalculation for the quarterly period ended September
30, 2011 initially indicates that the COGS was understated by an estimated $359,534. Thus, the Company's consolidated net
income for that reporting period was overstated by the same amount.
The Company's board of directors agreed with the Audit
Committee's conclusions, and the Company intends to restate these financial statements.
The Audit Committee is overseeing this restatement and a
review of the historical accounting errors. The accounting errors did not result from any changes in the Company's internal
accounting policies, and the Company has no evidence that the errors resulted from any fraud or intentional misconduct. The Audit
Committee is overseeing the Company's reinforcement of its internal controls, specifically those related to its COGS calculations.
Going forward, the Company will receive a separate detailed report for each reporting period from the third-party logistics company
that reflects all GIT, and the Company's management will separately track those figures.
The Audit Committee and the Company's management have
discussed the matters disclosed in this Item 4.02 with Child, Van Wagoner & Bradshaw, PLLC, the Company's independent
registered public accounting firm.
*********
This Current Report on Form 8-K contains statements that are
"forward-looking statements" as defined under the Private Securities Litigation Reform Act of 1995. Forward-looking
statements represent the Company's estimates and assumptions only as of the date of this Form 8-K. These forward-looking
statements include statements regarding the qualitative and quantitative effects of the accounting errors, the periods involved,
the nature of the Company's review and any anticipated conclusions of the Company or its management and other statements
that are not historical facts. The Company's actual results may differ materially from the results described in or anticipated
by these forward-looking statements due to certain risks and uncertainties. These factors include, but are not limited to, those
described under the heading "Risk Factors" in the Company's Annual Report on Form 10-K, dated August 23, 2011
(as filed with the Securities and Exchange Commission) and in documents subsequently filed by the Company with the Securities and
Exchange Commission from time to time. These potential risks and uncertainties include, among other things, the outcome and results
of the Company's review, the risk that the final conclusion of the review could result in a determination that the effect
of the issues under review are materially greater or lesser than the Company currently believes to be the case, the risk that these
matters could adversely affect the Company's ability to make timely filings with the Securities and Exchange Commission,
additional issues that may arise in connection with the ongoing review, risks of damage to the Company's business and reputation
arising from these matters, potential claims or proceedings relating to such matters, including stockholder, employee and customer
litigation and/or claims and action by the SEC and/or other governmental agencies, and the additional risk factors described in
the Company's filings with the Securities and Exchange Commission. The Company expressly disclaims any duty to provide updates
to any forward-looking statements made in this Current Report on Form 8-K, whether as a result of new information, future events
or otherwise.
2
SIGNATURES
Pursuant to the
requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its
behalf by the undersigned hereunto duly authorized.
EFT Holdings, Inc.
(Registrant)
Date:  February 16, 2012
By:
/s/ William E. Sluss
William E. Sluss
Principal Financial and Accounting Officer
3