CPFB | CPF Nomination Scheme

A CPF nomination provides CPF members with the option to specify who will receive their CPF savings, and how much each nominee should receive, upon their demise. You can <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MakeCpfNomination/Home">make a nomination online</a> by logging in with your SingPass via my cpf Online Services.To find out more on making a nomination online, you can <a href="https://www.youtube.com/watch?v=4S-WoAS6LaA" target="_blank">view a video on “Your guide to making a CPF Online Nomination”.</a>You should make a CPF nomination if you want to distribute your CPF savings according to your wishes when you pass on. Without a nomination, your CPF savings will be distributed by the Public Trustee’s Office (PTO) to the legally entitled beneficiaries (who are usually family members and next-of-kin) under the Intestate Succession Act or the Inheritance Certificate (for Muslims). The PTO charges a fee for the distribution of your un-nominated CPF savings. You can visit <a href="https://pto.mlaw.gov.sg/" target="_blank">pto.mlaw.gov.sg</a> for more information.

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Understand	Who can make a CPF Nomination and when should you consider making one?	<p>All CPF members aged 16 and above can make CPF Nominations. </p><p>You should make a CPF nomination as soon as you start accumulating savings in your CPF accounts. You are also encouraged to review your nomination regularly and ensure that it continues to fit your intentions. For instance, you may wish to revise your nomination following a change in circumstances such as:</p><ul><li><p>Marriage;</p></li><li><p>Child birth;</p></li><li><p>Divorce; or</p></li><li><p>Death of nominee(s).</p></li> </ul>	CPF Nomination Scheme	1530	1530
Understand	What does a CPF Nomination cover?	<table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr bgcolor="#d2d2d2"><td width="50%" align="center"> <b class="fontbold">Covered under CPF Nomination</b></td><td width="50%" align="center"> <b class="fontbold">Not covered under CPF Nomination</b></td></tr><tr align="left" valign="top"><td><ol><li style="margin-bottom:8px;">CPF savings* in your Ordinary, Special, MediSave and Retirement Accounts </li><li style="margin-bottom:8px;">Unused CPF LIFE premiums </li><li style="margin-bottom:8px;">Discounted Singtel shares</li></ol><p style="margin-bottom:8px;">* CPF savings cannot be included in your Will. They also do not form your estate and are protected from creditor claims on any outstanding debts.</p></td><td><ol><li style="margin-bottom:8px;">Properties bought using your CPF savings </li><li style="margin-bottom:8px;">Payout from Dependants’ Protection Scheme (DPS)</li><li style="margin-bottom:8px;">Investments made under CPF Investment Scheme (CPFIS)</li></ol> Find out more about <a href="https://www.moneysense.gov.sg/estate-planning" target="_blank">estate planning</a> at the MoneySENSE website.</td></tr></tbody></table>	CPF Nomination Scheme	1541	1541
Understand	What are the types of CPF Nomination?	<p>You can choose how you would like each of your nominee(s) to receive your CPF savings based on their needs.</p><p> <strong>Cash Nomination</strong></p><p>Your nominee(s) will receive the CPF savings due to them <strong>in cash</strong> via cheque or GIRO. This is the default nomination type.</p> <p> <strong>Enhanced Nomination Scheme (ENS) Nomination</strong></p><p>Your nominee(s) will receive the CPF savings due to them <strong>in their CPF accounts</strong>. Find out more about ENS Nomination <a href="https://www.cpf.gov.sg/members/FAQ/schemes/other-matters/cpf-nomination-scheme?ajfaqid=faq2186038" target="_blank">here</a>.</p><p> <strong>Special Needs Savings Scheme (SNSS) Nomination</strong></p><p>This scheme allows parents to nominate their children with special needs to receive the CPF savings due to them on a monthly basis. Find out more about SNSS Nomination <a href="https://www.cpf.gov.sg/members/FAQ/schemes/other-matters/cpf-nomination-scheme?ajfaqid=faq2186105" target="_blank">here</a>.</p>	CPF Nomination Scheme	1543	1543
Decide	What do you have to decide when making a CPF nomination?	<ol><li>Decide on your nominee(s) and the percentage of your CPF savings each nominee should receive.<br><br></li><li>Consider if you wish to authorise specific person(s) to obtain your CPF account information upon your demise. The Board, upon request from the authorised person(s), will disclose your CPF statement(s) of account in and after the year of your death and your nomination details to your authorised person(s).<br><br></li><li>Appoint two witnesses and inform them of your intention to make a nomination.<br><br></li></ol>	CPF Nomination Scheme	1919	1737
Apply	How can you make a CPF Nomination?	<p> <strong>Online</strong></p><ol><li>Get ready: <ul><li>Your SingPass</li><li>Your nominees’ NRIC particulars (Name, NRIC No., Mailing address<sup>1</sup>, Email address)</li><li>Two witnesses’<sup>2</sup> NRIC particulars (Name, NRIC No., Mailing address<sup>1</sup>, Email and/or Singapore-registered Mobile Phone Number) </li></ul></li><li>Log in to <em> </em> <em>my cpf</em> Online Services with your SingPass to <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MakeCpfNomination/Home">make an online nomination</a>.</li></ol><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Visit any of our <a href="/Members/Contact/visit-us">CPF Service Centres</a>. To save time, you may book an appointment with us through our CPF Appointment Service at the CPF website. The appointment can be made on your preferred date and time, subject to availability of appointment slots.</li><li style="margin-bottom:5pt;">Complete your CPF Nomination in the presence of our Customer Service Executives (CSEs). They can act as your witnesses and clarify any questions you may have. You are encouraged to bring along photocopies of your nominee(s)’ identification documents (such as NRIC or foreign identification document) indicating their particulars.</li></ol><p> Please also note that your CPF savings will be distributed in cash to your nominee(s) unless you have given the Board specific instructions. </p><p> <sup>1</sup>Mailing Address is required for foreigners only. For Singaporeans and PRs, their mailing address will be based on the address registered with the Immigration & Checkpoints Authority (ICA).</p><p> <sup>2</sup>Your witnesses should each have a valid SingPass.</p>	CPF Nomination Scheme	1547	1547
Apply	How can you check your nomination details?	<p>You can check your nomination details: </p><p> <strong>Online using <em>my cpf </em>Online Services</strong></p><ol><li style="margin-bottom:5pt;">Login with your SingPass. </li><li style="margin-bottom:5pt;">Click on My Requests > Nomination Details > <a href="https://www.cpf.gov.sg/esvc/web/schemes/nominationdetails/home">View My Nomination Details</a>.</li><li style="margin-bottom:5pt;">If you are not able to view your nomination details, please submit an online request via My Requests. After your request has been processed, you will receive an email to inform you that you can view your nomination details online. Requests will be processed within 4 working days.</li></ol><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Bring your identity card/passport to any <a href="/Members/Contact/visit-us">CPF Service Centres</a> to enquire over our service counter.</li></ol><p>As your nomination details are confidential, we cannot reveal them through other channels such as phone, email and third parties. </p>	CPF Nomination Scheme	1544	1544

Understand	Who can make a CPF Nomination and when should you consider making one?	<p>All CPF members aged 16 and above can make CPF Nominations. </p><p>You should make a CPF nomination as soon as you start accumulating savings in your CPF accounts. You are also encouraged to review your nomination regularly and ensure that it continues to fit your intentions. For instance, you may wish to revise your nomination following a change in circumstances such as:</p><ul><li><p>Marriage;</p></li><li><p>Child birth;</p></li><li><p>Divorce; or</p></li><li><p>Death of nominee(s).</p></li> </ul>	CPF Nomination Scheme	1530	1530
Understand	What does a CPF Nomination cover?	<table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr bgcolor="#d2d2d2"><td width="50%" align="center"> <b class="fontbold">Covered under CPF Nomination</b></td><td width="50%" align="center"> <b class="fontbold">Not covered under CPF Nomination</b></td></tr><tr align="left" valign="top"><td><ol><li style="margin-bottom:8px;">CPF savings* in your Ordinary, Special, MediSave and Retirement Accounts </li><li style="margin-bottom:8px;">Unused CPF LIFE premiums </li><li style="margin-bottom:8px;">Discounted Singtel shares</li></ol><p style="margin-bottom:8px;">* CPF savings cannot be included in your Will. They also do not form your estate and are protected from creditor claims on any outstanding debts.</p></td><td><ol><li style="margin-bottom:8px;">Properties bought using your CPF savings </li><li style="margin-bottom:8px;">Payout from Dependants’ Protection Scheme (DPS)</li><li style="margin-bottom:8px;">Investments made under CPF Investment Scheme (CPFIS)</li></ol> Find out more about <a href="https://www.moneysense.gov.sg/estate-planning" target="_blank">estate planning</a> at the MoneySENSE website.</td></tr></tbody></table>	CPF Nomination Scheme	1541	1541
Understand	What are the types of CPF Nomination?	<p>You can choose how you would like each of your nominee(s) to receive your CPF savings based on their needs.</p><p> <strong>Cash Nomination</strong></p><p>Your nominee(s) will receive the CPF savings due to them <strong>in cash</strong> via cheque or GIRO. This is the default nomination type.</p> <p> <strong>Enhanced Nomination Scheme (ENS) Nomination</strong></p><p>Your nominee(s) will receive the CPF savings due to them <strong>in their CPF accounts</strong>. Find out more about ENS Nomination <a href="https://www.cpf.gov.sg/members/FAQ/schemes/other-matters/cpf-nomination-scheme?ajfaqid=faq2186038" target="_blank">here</a>.</p><p> <strong>Special Needs Savings Scheme (SNSS) Nomination</strong></p><p>This scheme allows parents to nominate their children with special needs to receive the CPF savings due to them on a monthly basis. Find out more about SNSS Nomination <a href="https://www.cpf.gov.sg/members/FAQ/schemes/other-matters/cpf-nomination-scheme?ajfaqid=faq2186105" target="_blank">here</a>.</p>	CPF Nomination Scheme	1543	1543
Decide	What do you have to decide when making a CPF nomination?	<ol><li>Decide on your nominee(s) and the percentage of your CPF savings each nominee should receive.<br><br></li><li>Consider if you wish to authorise specific person(s) to obtain your CPF account information upon your demise. The Board, upon request from the authorised person(s), will disclose your CPF statement(s) of account in and after the year of your death and your nomination details to your authorised person(s).<br><br></li><li>Appoint two witnesses and inform them of your intention to make a nomination.<br><br></li></ol>	CPF Nomination Scheme	1919	1737
Apply	How can you make a CPF Nomination?	<p> <strong>Online</strong></p><ol><li>Get ready: <ul><li>Your SingPass</li><li>Your nominees’ NRIC particulars (Name, NRIC No., Mailing address<sup>1</sup>, Email address)</li><li>Two witnesses’<sup>2</sup> NRIC particulars (Name, NRIC No., Mailing address<sup>1</sup>, Email and/or Singapore-registered Mobile Phone Number) </li></ul></li><li>Log in to <em> </em> <em>my cpf</em> Online Services with your SingPass to <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MakeCpfNomination/Home">make an online nomination</a>.</li></ol><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Visit any of our <a href="/Members/Contact/visit-us">CPF Service Centres</a>. To save time, you may book an appointment with us through our CPF Appointment Service at the CPF website. The appointment can be made on your preferred date and time, subject to availability of appointment slots.</li><li style="margin-bottom:5pt;">Complete your CPF Nomination in the presence of our Customer Service Executives (CSEs). They can act as your witnesses and clarify any questions you may have. You are encouraged to bring along photocopies of your nominee(s)’ identification documents (such as NRIC or foreign identification document) indicating their particulars.</li></ol><p> Please also note that your CPF savings will be distributed in cash to your nominee(s) unless you have given the Board specific instructions. </p><p> <sup>1</sup>Mailing Address is required for foreigners only. For Singaporeans and PRs, their mailing address will be based on the address registered with the Immigration & Checkpoints Authority (ICA).</p><p> <sup>2</sup>Your witnesses should each have a valid SingPass.</p>	CPF Nomination Scheme	1547	1547
Apply	How can you check your nomination details?	<p>You can check your nomination details: </p><p> <strong>Online using <em>my cpf </em>Online Services</strong></p><ol><li style="margin-bottom:5pt;">Login with your SingPass. </li><li style="margin-bottom:5pt;">Click on My Requests > Nomination Details > <a href="https://www.cpf.gov.sg/esvc/web/schemes/nominationdetails/home">View My Nomination Details</a>.</li><li style="margin-bottom:5pt;">If you are not able to view your nomination details, please submit an online request via My Requests. After your request has been processed, you will receive an email to inform you that you can view your nomination details online. Requests will be processed within 4 working days.</li></ol><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Bring your identity card/passport to any <a href="/Members/Contact/visit-us">CPF Service Centres</a> to enquire over our service counter.</li></ol><p>As your nomination details are confidential, we cannot reveal them through other channels such as phone, email and third parties. </p>	CPF Nomination Scheme	1544	1544

Your guide to making a CPF Online Nomination

Watch this video for a guide to making a CPF Online Nomination

<a href="/Assets/common/Documents/ResourceThumbnails/Nom_Video_thumbnail.png"><img alt="" src="/_layouts/15/IMAGES/icpng.gif">Nom_Video_thumbnail.png</a>

Check On Details Of Nominees

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MP4, 0.7MB

Losing a Loved One: A Guide to CPF Matters	Losing a Loved One: A Guide to CPF Matters	<a href="/Assets/members/PublishingImages/CPFInfographic_LALO.jpg" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icjpg.gif">CPFInfographic_LALO.jpg</a>	<p>(JPG, 1.3MB)</p> <p>View the infographic on "Losing a Loved One: A Guide to CPF Matters"</p>	<a href="/Assets/common/Documents/ResourceThumbnails/LALO_thumbnail.png"><img alt="" src="/_layouts/15/IMAGES/icpng.gif">LALO_thumbnail.png</a>
CPF Nomination: A guide to planning the distribution of your CPF savings	CPF Nomination: A guide to planning the distribution of your CPF savings	<a href="/Assets/members/Documents/A_guide_to_Nom_Scheme.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">A_guide_to_Nom_Scheme.pdf</a>	<p>(PDF, 1.6MB)</p><p>Read the online brochure for key information on CPF nomination matters</p>	<a href="/Assets/common/Documents/ResourceThumbnails/NOM_Planning_distribution_thumbnail.png"><img alt="" src="/_layouts/15/IMAGES/icpng.gif">NOM_Planning_distribution_thumbnail.png</a>

Application for Online Nomination

This online nomination allows you to nominate your loved ones to receive your CPF savings in cash and authorises the CPF Board to disclose your CPF information upon your death. The e-Service may take 10 minutes to complete.

CPF Nomination Scheme

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