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Direct Debit and Other Payment ModesDirect Debit and Other Payment Modes<p>As an employer, you can pay the CPF contributions for your employees using the different payment services provided by the Board.</p>TrueTrueTrue

 

 

UnderstandWhat are the payment options available if I submit my employees’ CPF contributions via CPF e-Submit@web?<p>​You choose the following payment options when you use CPF e-Submit@web to submit CPF contribution details:</p><p style="text-decoration:underline;"> <strong>Direct Debit</strong></p><p>Direct Debit is the most convenient way to pay your CPF contribution payments to CPF Board.</p><p>Employers are strongly encouraged to use <a href="/Employers/EmployerGuides/employer-guides/paying-cpf-contributions/cpf-e-submission">CPF e-Submit@web</a> to submit CPF contributions and make payment via Direct Debit.  </p>624624
UnderstandWhat are the benefits of using Direct Debit?<ul><li> <strong>Taking full control of your payment</strong><br><br>Direct Debit will only take place after you have submitted your CPF contribution details. Furthermore, you can change your preferred deduction date* when you submit your CPF via <a href="/Employers/EmployerGuides/employer-guides/paying-cpf-contributions/cpf-e-submission">CPF e-Submit@web</a>.       <br><br><em>*Two working days from the date of submission, up to last day of grace period.</em><br><em> </em><br><img src="/Assets/employers/PublishingImages/How_Direct_Debit_works.jpg" alt="How Direct Debit Works" style="width:100%;height:auto;" /><br></li><li> <strong>Saves time and resources</strong><br><br>You do not need to spend time writing cheques or queue at payment kiosks to make payments.<br><br></li><li> <strong>Open to all employers</strong><br><br>Direct Debit can be used by all employers including those with few employees.</li></ul>625625
UnderstandWhen will Direct Debit deduction take place?<p>Direct Debit deduction will only take place after you have submitted your CPF contribution details. Furthermore, you can select your preferred deduction date at the point of your CPF submission.<br></p><p>The available deduction date(s) will depend on when we receive your CPF contribution details:</p> <img src="/Assets/employers/PublishingImages/DeductionDatesforDirectDebit.jpg" alt="Available deduction dates for Direct Debit" style="width:100%;height:auto;" /> <p> <br>Note:</p><p> <em> *Employers have a grace period of 14 days after the end of the month to pay CPF contributions. The last day of the grace period is 14th day of the month. If the 14th day falls on a Saturday, Sunday or public holiday, the grace period will be extended to the next working day.</em></p>627627
UnderstandWhat happens when the Direct Debit deduction is unsuccessful?<p>For unsuccessful, Direct Debit deductions, CPF Board will inform you via email and make the second deduction 7 calendar days from the date of first deduction. Please note that some banks charge an administrative fee for each unsuccessful deduction. </p><p>To avoid such occurrence and incurring late payment interest, please maintain sufficient funds in the bank account. </p>626626
UnderstandHow to apply for Direct Debit?<p>Please complete and send us the Direct Debit Authorisation (DDA) form (also available at CPF Service Centres). Once we have received your DDA application, we will forward it to your bank for processing. The bank takes about 21 working days to process your Direct Debit Authorisation application. You will be informed in writing the status of your application. Alternatively, you can check online for the status of your application.</p><p>While your DDA application is being processed, please use any of the following payment services to pay CPF contributions:</p><ul><li>eNETS (for CPF e-Submit@web users); </li><li>Diners Club Card or NETS at any AXS stations; </li></ul><p> <br> <span style="text-decoration:underline;"> <strong>eNETS</strong></span></p><p>Employers who have personal bank accounts with the following participating banks may initiate the payment online and deduction will be done from their bank account immediately. </p><p>Currently, only personal accounts from DBS, POSB, UOB, OCBC, Citibank (Maxisave/Ready Credit) and Standard Chartered Bank are accepted. Please refer to the <a href="/Assets/employers/Documents/List_of_Participating_Banks.pdf" target="_blank">List of Participating Banks</a> (PDF, 37KB) for their contact details.<br></p><p> When employers use CPF e-Submit@AXS to submit CPF contribution details, they can also choose to pay via Diners Club Card or NETS.</p><p> <u> <strong>Diners Club Card</strong></u></p><p>Please note that the maximum transaction amount for Diners Club Card is subject to the card's credit limit.</p><p style="text-decoration:underline;"> <strong>NETS</strong></p><p>Please note that NETS payment is subject to the daily transaction limit set by your bank.<br></p>628628
EvaluateWhat are the common mistakes to avoid when applying for Direct Debit?<p>Here's a list of common mistakes you should avoid when completing the Direct Debit application:</p><p> <strong>A. Wrong applicant details indicated</strong> </p><p>Please make sure that the name of business, company, entity or individual (if trading under own name) is indicated correctly on the Direct Debit Authorisation (DDA) form before you submit the application.</p><p> <strong>Example: </strong>Winston is a business employer and has two employees under his company. He wishes to apply for Direct Debit to pay CPF contributions for his employees. He intends to use his OCBC bank account (account number 123-45678-9) for the DDA application. He should indicate his company name in the DDA form.</p><p> <img src="/Assets/employers/PublishingImages/Direct_Debit_Wrong_Applicant_Details_Indicated.png" alt=" Direct Debit Wrong Applicant Details" style="width:100%;height:auto;" /> </p><p> <strong>B. Incomplete CSN/NRIC/FIN​</strong></p><p>You need to fill up a complete CSN/NRIC/FIN in the Direct Debit Authorisation form.</p><p> <strong>Example: </strong>Yvonne is a domestic employer and has a maid at home. She wishes to apply for Direct Debit to pay Domestic Foreign Worker Levy for her maid. Her NRIC number is S1234567Y.</p><p> <img src="/Assets/employers/PublishingImages/Direct_Debit_Incomplete_CSN_NRIC_FIN.png" alt="Direct Debit Incomplete CSN / NRIC / FIN" style="width:100%;height:auto;" /> </p><p> <strong>C. Incomplete  bank details i.e. bank account holder name, bank account number and company's signature/stamp/thumbprint</strong></p><p>You need to remember to furnish the correct bank details i.e. bank account holder name, bank account number and company's signature/stamp/thumbprint.</p><p> <strong>Example:</strong> Zeon is a business employer and has two employees under his company. He wishes to apply for Direct Debit to pay CPF contributions for his employees. He intends to use his OCBC bank account (account number 123-45678-9) for the DDA application.</p><p> <img src="/Assets/employers/PublishingImages/Direct_Debit_Incomplete_Bank_Details.png" alt="Direct Debit Incomplete Bank Details" style="width:100%;height:auto;" /> <br></p>629629
EvaluateWhat are the service standards for Direct Debit-related transactions?<img src="/Assets/employers/PublishingImages/SvcStdsforDirectDebitTransactions.jpg" alt="Service Standards for Direct Debit-related transactions" style="width:100%;height:auto;" /> <p> <em><br>*Request to terminate Direct Debit arrangement will be processed if there is no Direct Debit payment due for deduction (i.e. have not generated payment file to bank to effect deduction for liability). Otherwise processing can only commence 2 working days after deduction date.  </em></p><p> <em>#Standing Instruction request will be processed if there is an active (i.e. already approved) Direct Debit arrangement with CPF Board. </em></p><p>Please note that an incomplete Direct Debit Authorisation form will delay the time taken for your application to be approved.<br></p>631631
DecideI am paying the same amount of CPF contributions for my employees every month, is there a more convenient payment mode?<p>If you are paying the same amount of CPF contributions for your employees every month, you can do so by signing up for <a href="/Employers/EmployerGuides/employer-guides/paying-cpf-contributions/cpf-e-submission">CPF e-Submit@web</a>. By using CPF e-Submit@web, you will be able to manage your Electronic Standing Instruction (ESI), which allows you to update your SI details anytime, anywhere! You will also receive timely email notifications on when monies have been credited to your employees’ CPF accounts.</p><p>Your SI arrangement will be terminated automatically if you had terminated your Direct Debit arrangement. You will need to re-apply for the SI after your new Direct Debit arrangement is approved.</p><p>However, if you submit a new Direct Debit Authorisation application to change the bank account details, the SI arrangement will be automatically subsumed under the new Direct Debit arrangement once it is effected. Hence, you do not need to re-apply.<br></p>632632
ApplyHow to apply for Direct Debit?<p>You need to complete the <a href="/Assets/employers/Documents/FORM_DDA_BIZ.pdf" target="_blank"> <span lang="EN-SG">Direct Debit Authorisation Form</span></a> (PDF, 1.1MB) and send it back to CPF Board. </p><p>Once we have received your Direct Debit Authorisation application, we will forward it to your bank for processing. The bank takes about 21 working days to process your Direct Debit Authorisation application. You will be informed in writing the status of your Direct Debit Authorisation application. Alternatively, you may <a href="https://www.cpf.gov.sg/eSvc/Web/Services/GiroApplicationStatusEnquiry/GiroApplicationStatusEnquiryLanding"> <span lang="EN-SG">check online</span></a> for the status of your application.</p><p>While the Direct Debit Authorisation application is being processed, you may use any of the following payment services to pay CPF contributions:  </p><ul><li><p>eNETS (for CPF e-Submit@web users)</p></li><li><p>Diners Club Card or NETS at any AXS stations<br></p></li></ul>633633
ApplyHow to change the bank account details for Direct Debit?<p>​You need to submit a new <a href="/Assets/employers/Documents/FORM_DDA_BIZ.pdf" target="_blank"><span lang="EN-SG">Direct Debit Authorisation Form</span></a> (PDF, 1.1MB) with your new bank account details to CPF Board. </p><p>CPF contributions will continue to be deducted from your existing bank account until the application for the new Direct Debit Authorisation has been approved. Once the application for the new Direct Debit Authorisation is approved, your previous Direct Debit arrangement will then be terminated.<br></p>630630
ApplyHow to terminate the Direct Debit arrangement?<p>​You can either terminate the arrangement by: </p><ul><li><p>submitting your request <a href="https://www.cpf.gov.sg/eSvc/Web/Employer/Introduction?fromCI=False"> <span lang="EN-SG">online</span></a>; <span lang="EN-SG"> <strong>or</strong></span></p></li><li><p>completing the <a href="/Assets/employers/Documents/FORM_DDAGIRO_Term.pdf" target="_blank"> <span lang="EN-SG">Direct Debit Authorisation/GIRO Termination Form</span></a> (PDF, 0.8MB) and sending it back to CPF Board. </p></li></ul><p>We will inform you by mail when your Direct Debit arrangement has been terminated. You need to inform CPF Board of the terminated Direct Debit arrangement if you have performed the termination over at your bank instead.<br></p>634634

 

 

 

 

 

 

 

 

 

 

Termination of Direct Debit Arrangement for Business-Related Transactions Termination of Direct Debit Arrangement for Business-Related Transactions /Tools/online-demos/online-demos/employer-services/online-applications196MP4, 1.1MB

 

 

 

 

 

 

 

 

Pay Employees’ CPF Contributions as an Employer using Direct Debit Authorisation<a href="/Assets/employers/Documents/FORM_DDA_BIZ.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">FORM_DDA_BIZ.pdf</a><p>FORM DDA (BIZ)</p><p>This form allows an employer to apply for Direct Debit arrangement to make CPF Contributions for his employees.</p>00PDF, 1.1MB
Terminate Direct Debit/GIRO<a href="/Assets/employers/Documents/FORM_DDAGIRO_Term.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">FORM_DDAGIRO_Term.pdf</a><a href="https://www.cpf.gov.sg/eSvc/Web/Miscellaneous/TerminationDirectDebit/CoverPage" target="_blank"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">EncryptQueryString.asp</a><p>FORM DDA/GIRO T</p><p>This form allows an employer to terminate his Direct Debit arrangement for CPF Contributions with the Board. The e-Service may take 5 minutes to complete.</p>00PDF, 0.8MB
Standing Instruction (SI) for CPF Contribution Payments via Direct Debit<a href="/Assets/employers/Documents/FORM_SI.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">FORM_SI.pdf</a><p>FORM SI (via Direct Debit) </p><p>This form allows you to setup a monthly recurring payment instruction via Direct Debit for your employees whose CPF contributions are relatively fixed throughout the year.</p>00PDF, 0.2MB
Payment of Composition Amount at SingPost (ENF59)<a href="/Assets/employers/Documents/Form_ENF59.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">FORM ENF59</a><p>​FORM ENF59</p><p>This form allows you to pay the composition amount at SingPost.<br></p>00PDF, 0.2MB

 

 

Direct Debit and Other Payment ModesPaying CPF Contributions

 

 

<p><a href="https://www.cpf.gov.sg/eSvc/Web/Services/GiroApplicationStatusEnquiry/GiroApplicationStatusEnquiryLanding" target="_blank">​Direct Debit Authorisation Application Status</a><br></p>

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