With a CPF nomination, your CPF savings will be distributed to your nominees,  according to your wishes.

Without a CPF nomination, your CPF savings will be distributed by the Public Trustee’s Office to your family members  based on the intestacy laws or Muslim Inheritance Certificate. You cannot decide which family member will receive your savings or how much they will receive.

A CPF nomination allows your nominees  to claim your savings quickly and conveniently.

Without a CPF nomination, it can take up to six months for the Public Trustee’s Office to identify which of your family members are eligible to claim your savings.

Making a CPF nomination is free. Your nominees will not be required to pay any charges to claim your CPF savings when you pass on.

Without a CPF nomination, the Public Trustee's Office will deduct an administrative fee from your CPF savings before distributing to your family members based on the intestacy laws or your Muslim Inheritance Certificate.

You should make a CPF nomination as soon as you start working and building up your CPF savings. In fact, you can make a nomination once you turn 16.

After making your nomination, review your nomination regularly so that it can continue to meet your intention especially at major milestones like:

• Marriage
• Child birth
• Divorce
• Death of a nominee

Upon marriage, any existing CPF nomination will be revoked. This allows you to make provisions taking into account the change in your family nucleus.

Do make a new CPF nomination after you get married so that your CPF savings can be distributed according to your wishes.

On the other hand, divorce will not revoke your nomination.

You’ll need:

• Your Singpass
• Your nominees’ NRIC or Foreign Identification Number (FIN), mailing address, and email address
• Two witnesses, their NRIC or FIN, mailing address, email address and Singapore-registered mobile phone number

If you cannot find witnesses to witness your online nomination, you can visit the ServiceSG Centres. Officers at the ServiceSG Centres can act as witnesses for your online nomination. Click here for the list of ServiceSG Centres locations and its operating hours.

Remember to:

• Book an appointment at least one working day before visiting us
• Bring along your NRIC or passport, and photocopies of your nominees’ identification documents
• Complete your CPF nomination form in the presence of two witnesses. Our Customer Service Executives can act as your witnesses