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CPF Withdrawals on Other GroundsCPF Withdrawals on Other Grounds<span> <p>Besides <a href="/Members/Schemes/schemes/retirement/withdrawals-of-cpf-savings-from-55"><span style="text-decoration:underline;"><font color="#0066cc">withdrawal at 55</font></span></a>, a CPF member can apply to withdraw the CPF savings on the following grounds:</p> <ol><li>Distribution of CPF savings upon death of a CPF member </li> <li> <a href="#detailslink-Item1696"><span style="text-decoration:underline;"><font color="#0066cc">Withdrawal of CPF on reduced life expectancy</font></span></a></li><li> <a href="#detailslink-Item1699"><span style="text-decoration:underline;"> <font color="#0066cc">Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanently</font></span></a></li><li> <a href="#detailslink-Item1707"> <span style="text-decoration:underline;"> <font color="#0066cc">Withdrawal of CPF by Malaysians residing in West Malaysia</font></span></a></li></ol></span>TrueFalseTrueOthers;#

 

 

Distribution of CPF savings upon death of a CPF member How does the distribution of CPF savings work? <p>CPF savings will be distributed upon the death of a CPF member. If a CPF nomination is made, it will be distributed to the nominee(s) in the proportion stated. If there is no CPF nomination, the CPF savings will be forwarded to the Public Trustee for distribution in accordance with the intestacy laws of Singapore.</p><p>If the deceased is a Singapore Citizen / Permanent Resident, you need not report the death to us. We will be notified by the relevant public agency and will distribute the CPF monies accordingly.</p><p>If the deceased is a foreigner, you will need to report the death to us via the following modes:</p><ul><li>Mail to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685<br></li></ul><ul><li>Visit us at any <a href="/Members/Contact/visit-us">CPF Service Centres</a></li></ul><p>You need to provide the following documents:</p><ul><li style="margin-bottom:8px;">The deceased member’s original death certificate and current passport duly cancelled due to his demise, or a copy certified true by an official from a Singapore Overseas Mission with his official seal / stamp duly affixed </li><li style="margin-bottom:5px;">A letter from the relevant authority confirming the deceased’s identity number, if the death certificate does not bear the deceased member’s identification details </li><li style="margin-bottom:5px;">Documentary evidence of your relationship with the deceased </li><li style="margin-bottom:5px;">Your identity card or passport and contact details</li></ul>CPF Withdrawals on Other Grounds16831683
Distribution of CPF savings upon death of a CPF member Can I use MediSave to pay the last hospitalisation bill?<p>The deceased member’s MediSave can be used fully to pay for his last hospitalisation bill if he had signed the Medical Claims Authorisation Form (MCAF) before his death.</p><p>If the deceased did not sign the MCAF, his spouse, parents, or child who is 21 years old and above, or donee/deputy can sign the MCAF to use his MediSave savings to pay for the last hospitalisation bill. This must be done as soon as possible as hospitals need to submit the MediSave claim before the member’s CPF savings are distributed.</p><p>If the deceased does not have a spouse, parent or child who is 21 years old and above, or donee/deputy, a relative of the deceased may sign the MCAF, subject to approval by the Ministry of Health (MOH). The hospital will be able to help you obtain the approval from MOH.</p>CPF Withdrawals on Other Grounds16851685
Distribution of CPF savings upon death of a CPF member What is the distribution process of CPF monies?<p>If there is a valid <a href="/Members/Schemes/schemes/other-matters/cpf-nomination-scheme">CPF nomination</a>, we will get in touch with the nominee(s) within 15 working days from the date the Board is notified of the member's death.<br></p><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 style="height:237px;"><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, if any </li><li style="margin-bottom:8px;">Discounted SingTel shares</li></ol></td><td style="height:237px;"><ol><li style="margin-bottom:8px;">Properties bought using your CPF savings </li><li style="margin-bottom:8px;">Payouts from Dependants’ Protection Scheme (DPS)* </li><li style="margin-bottom:8px;">Cash and investments held in the CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA) </li><li style="margin-bottom:8px;">Investments held under the CPF Investment Scheme-Special Account (CPFIS-SA)</li></ol> <br>These will form part of the deceased member’s estate. You can find out more about <a href="https://www.moneysense.gov.sg/starter-packs/introduction-to-estate-planning?starterpack_tab=tab-content" target="_blank"> estate planning</a> at the MoneySENSE website.</td></tr></tbody></table> <br>* DPS is administered by two appointed insurers, <a href="https://www.greateasternlife.com/sg/en/personal-insurance/our-products/life-insurance/dependants-protection-scheme.html" target="_blank">Great Eastern Life</a> and <a href="https://www.income.com.sg/life-insurance/dependants-protection-scheme" target="_blank">NTUC Income</a>. To submit a claim application, you can contact the insurer directly.CPF Withdrawals on Other Grounds16871687
Distribution of CPF savings upon death of a CPF member What happens if the deceased did not make a CPF nomination?<p>The CPF savings will be forwarded to the <a href="http://www.mlaw.gov.sg/pto" target="_blank">Public Trustee</a> for distribution in accordance with the <a href="/Members/FAQ/schemes/other-matters/cpf-withdrawals-on-other-grounds" target="_blank">intestacy laws</a>.</p><p>For non-Muslims, the CPF savings will be distributed in accordance with the Intestate Succession Act.</p><p>For Muslims, the CPF savings will be distributed in accordance with the Administration of Muslim Law Act.</p>CPF Withdrawals on Other Grounds16881688
Distribution of CPF savings upon death of a CPF member What happens to the property owned by the deceased?<p>If the deceased bought the property with CPF savings, the property is not covered by CPF nomination and it will form part of the estate of the deceased. There is no need to refund the CPF savings withdrawn for the property to the CPF account.</p><p>If the property is held under joint-tenancy, the deceased's interest in the property will automatically be passed to the remaining owner(s) who will hold the entire property in his/their name(s).</p><p>If the property is held under tenancy-in-common or solely owned, the deceased's interest in the property will be passed by inheritance, according to his Will and Testament (if any); else, in accordance with the intestacy laws.</p>CPF Withdrawals on Other Grounds16861686
Distribution of CPF savings upon death of a CPF member Do I need to make a claim under Home Protection Scheme (HPS)?<p>If the deceased member was insured under <a href="/Members/Schemes/schemes/housing/home-protection-scheme">Home Protection Scheme (HPS)</a> with an outstanding housing loan, we will get in touch with the family members on the claim procedure.</p><p>Alternatively, family members can make a claim via:</p><p> <strong>Apply online using <em><strong>my cpf</strong></em></strong></p><ol><li style="margin-bottom:5pt;">Login to <em>my cpf</em> Online Services with your SingPass. </li><li style="margin-bottom:5pt;">Select My Requests > Home Protection Scheme > <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/NotifyADeath/InsuranceClaimOnDeathGroundsNotes" target="_blank">Notify a Death</a>. </li><li style="margin-bottom:5pt;">Attach a scanned copy of the death certificate.</li></ol>CPF Withdrawals on Other Grounds16901690
Distribution of CPF savings upon death of a CPF member What happens to the CPF savings used under the CPF Education Loan Scheme?<p>​If a deceased member had used his CPF savings or he is a student who had used CPF savings under the CPF Education Loan Scheme, there is no need to repay the CPF savings withdrawn, including the accrued interest.</p>CPF Withdrawals on Other Grounds16911691
Distribution of CPF savings upon death of a CPF member What happens to the investments under the CPF Investment Scheme (CPFIS)?<p>CPFIS investments are not covered under CPF nomination. When a member passes away, his CPFIS investments* and any cash balance in his Investment Account will form part of his estate. The estate administrator/executor can contact the respective product providers or agent bank to claim the investments and cash balance. These investments, cash balance and death benefits may be used to settle the deceased member’s debts, in accordance with the Probate and Administration Act.</p><p>* Except for insurance policies where the policyholder has made a nomination. The nominated beneficiaries can contact the insurance company to claim the death benefits.</p>CPF Withdrawals on Other Grounds16941694
Distribution of CPF savings upon death of a CPF member What happens to the discounted SingTel (ST) shares?<p>If a member passes away on or after 1 January 1996, his discounted ST shares will be distributed to his nominee(s) in the proportion he had indicated in his CPF nomination. The Board may transfer the shares to the nominee’s personal Central Depository Pte Ltd (CDP) securities account, or sell the shares on the request of the nominee.</p><p>If a member passed away before 1 January 1996 or did not make a valid CPF nomination, CPF Board will transfer his discounted ST shares to his securities account or the estate securities account opened by his appointed executor(s) or administrator(s). If there is no securities account or estate securities account, the appointed executor(s) or administrator(s) may instruct the Board to sell the ST shares.</p><p>If no executor or administrator is appointed for the estate of the deceased member, a representative appointed by the family may instruct the Board to sell the ST shares.</p>CPF Withdrawals on Other Grounds16921692
Distribution of CPF savings upon death of a CPF member How do I apply for withdrawal of the deceased member’s CPF savings if I am one of the nominee(s)? <p> <strong>Online using <em><strong>my cpf</strong></em></strong></p><ol><li style="margin-bottom:5pt;">Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/DeceasedMemberWithdrawal/Cover" target="_blank">SingPass</a>. </li><li style="margin-bottom:5pt;">Submit an online application via My Requests.</li></ol>CPF Withdrawals on Other Grounds16951695
Withdrawal of CPF on reduced life expectancyWho is eligible? <p>Members with a reduced life expectancy due to a medical condition, as certified by an accredited doctor*, may apply to withdraw some of their CPF savings. Severe medical conditions that cause members to be permanently unfit for work or to lack mental capacity permanently can also be considered. </p><p> <span style="font-size:0.9em;">* The list of accredited doctors comprises doctors from public hospitals, polyclinics or specialists. If clarifications are needed, we may request a detailed medical report from your doctor from the accredited list. If your doctor is not from the accredited list, an independent assessment will be required from the Board’s panel of doctors.</span></p>CPF Withdrawals on Other Grounds16961696
Distribution of CPF savings upon death of a CPF memberHow do I claim the CPF savings of a family member who has gone missing for many years?<p>In line with industry practice, the CPF Board treats a person as being alive until the person has been officially registered as deceased. Therefore, in order for the CPF savings of a missing person to be distributed to his/her beneficiaries, a presumption of death certificate, which declares the person as presumed to be dead, has to be obtained.</p><p>To obtain a presumption of death certificate from the Court,</p><ul><li>the missing person must not have been heard of for 7 years;</li><li>the missing person must not have been heard of by persons who would have naturally been contacted by the missing person, if he/she was alive;</li><li>the persons who would have naturally been contacted by the missing person must have taken sufficient steps to ascertain if the missing person is alive; and</li><li>any other requirements imposed by the Court, as advised by your lawyer*.</li></ul><p>* If you require financial assistance, you can approach the <a href="https://lab.mlaw.gov.sg/" target="_blank">Legal Aid Bureau</a>.</p><p>After having obtained the presumption of death certificate,</p><ul><li style="margin-bottom:5px;">If the missing person is a Singapore Citizen or Permanent Resident - you would have to approach the <a href="https://www.ica.gov.sg/PR/death/PR_death_overseas">Immigration & Checkpoints Authority (ICA) to register</a> the missing person as deceased</li><li style="margin-bottom:-5px;">If the missing person is a foreigner who holds a CPF account – you would have to approach any CPF Service Centre with:</li></ul><ol type="a"><li style="margin-left:40px;">the original presumption of death certificate;</li><li style="margin-left:40px;">the missing person’s original passport (if any);</li><li style="margin-left:40px;">an original letter from the relevant authority confirming the missing person’s identity number (if the presumption of death certificate does not bear the missing person’s identification details);</li><li style="margin-left:40px;">documentary evidence of your relationship with the missing person; and</li><li style="margin-bottom:-10px;margin-left:40px;">your original identity card/passport and contact details.</li> <br>If the death reporting is submitted via post from outside of Singapore, all the documents mentioned above (a – e) would have to be certified true by an official from the Singapore Overseas Mission with his official seal / stamp duly affixed.</ol><p>After the person has been officially registered as deceased, his/her CPF savings will be distributed to the appointed nominees if a CPF nomination had been made. If no nomination was made, the CPF savings will be forwarded to the Public Trustee for distribution to family members in accordance with the intestacy laws of Singapore.</p>CPF Withdrawals on Other Grounds26011769
Withdrawal of CPF on reduced life expectancyHow much can I withdraw?<p>Depending on the extent of your reduced life expectancy and your CPF balances, you may withdraw a lump sum of $5,000<sup>1</sup> or more. You may also need to set aside a reduced retirement sum in your Retirement Account from which you will receive monthly payouts. </p><p> <sup style="font-size:0.8em;">1</sup><span style="font-size:0.9em;"> Excludes monies received under the Retirement Sum Topping-Up Scheme and savings in your MediSave Account.</span><br></p>CPF Withdrawals on Other Grounds16971697
Withdrawal of CPF on reduced life expectancyHow do I apply for withdrawal?<ol><li style="margin-bottom:5pt;"><p>Obtain a certification from an accredited doctor* that you meet the eligibility criteria by requesting the doctor to complete the <a href="/Assets/members/Documents/MGS_MedicalCertificationForm.pdf" target="_blank">medical certification form</a> (PDF, 0.3MB), and mail it to:</p><p>CPF Board<br>Retirement Withdrawals Department (RWD)<br>Robinson Road P.O. Box 3060<br>Singapore 905060</p></li><li style="margin-bottom:5pt;">Login with your Singpass and click on My Requests > <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/WithdrawMyCPFOnMedicalGrounds/ContinueToNotesPage">Withdraw my CPF on Reduced Life Expectancy due to medical conditions and Claim Home Protection Benefit</a> to submit an online application. </li></ol><p> <span style="font-size:0.9em;">* The list of accredited doctors comprises doctors from public hospitals, polyclinics or specialists. If clarifications are needed, we may request a detailed medical report from your doctor from the accredited list. If your doctor is not from the accredited list, an independent assessment will be required from the Board’s panel of doctors. </span></p>CPF Withdrawals on Other Grounds17041704
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyWho is eligible? <p>​You can withdraw your CPF in full if you are about to leave or have left Singapore and West Malaysia permanently with no intention of returning to either country for employment or residence.</p>CPF Withdrawals on Other Grounds16991699
Withdrawal of CPF on reduced life expectancyWhat if I am mentally unwell and unable to handle money?<p>If you have executed a Lasting Power of Attorney under the Mental Capacity Act to appoint a person (i.e. Donee) to take care of your CPF and other financial matters, the Donee may apply on your behalf to withdraw your CPF savings. </p><p>Otherwise, your next-of-kin can apply to the court to be appointed as your Deputy under the Mental Capacity Act. As a guide, the next-of-kin may refer to the <a href="/Assets/members/Documents/SuggestedClauses.pdf" target="_blank">suggested clauses</a> to be included in the court order if the Deputy wishes to be empowered to manage all of the member’s CPF matters.</p><p>The Family Justice Courts has also introduced a simplified application process for certain categories of applications. Please refer to the <a href="https://www.familyjusticecourts.gov.sg/what-we-do/family-courts/deputyship" target="_blank">Family Justice Courts’ website</a> for more information of the simplified application process. Please note that a Mental Capacity Act Order made under this simplified process generally restricts the use of monies to S$60,000 and below.</p><p>The appointed Donee/Deputy can then apply to withdraw your CPF savings at any CPF Service Centre with the following supporting documents: </p><ol><li>the original Lasting Power of Attorney/Order of Court,</li><li>a medical report from an accredited doctor* stating that your lack of mental capacity is likely to be permanent, </li><li>the original Trust bank account statement/passbook, and </li><li>the NRIC of the Donee/Deputy.</li></ol><p>For more information on the Mental Capacity Act and Lasting Power of Attorney, you can refer to the <a href="https://www.msf.gov.sg/opg/Pages/The-Office-of-the-Public-Guardian.aspx" target="_blank">Office of the Public Guardian's website</a>.</p><p> <span style="font-size:0.9em;">* The list of accredited doctors comprises doctors from public hospitals, polyclinics or specialists. If clarifications are needed, we may request a detailed medical report from your doctor from the accredited list. If your doctor is not from the accredited list, an independent assessment will be required from the Board’s panel of doctors.</span></p>CPF Withdrawals on Other Grounds16891689
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyWhat happens to my investments under CPF Investment Scheme?<p>For CPF Investment Scheme – Ordinary Account (CPFIS-OA), the Board will inform the agent bank to close your CPF Investment Account. You may approach the bank for the withdrawal<sup>#</sup> of your investments and cash balance (if any) after the Board has notified you. Your investments will be transferred to your own name and you may thereafter liquidate them as you wish and have the sale proceeds paid to you directly.<br><br></p><p> <sup>#</sup>Central Depository (Pte) Ltd (“CDP”) imposes a transfer fee of $10.70 (inclusive of GST) for every share counter transferred from your CPF Investment Account to your CDP Account.<br></p><p>For CPF Investment Scheme – Special Account (CPFIS-SA), the Board will inform your product provider(s) to transfer your investment to your own name and you may thereafter liquidate them as you wish and have the sale proceeds paid to you directly.<br><br></p><p>Once withdrawn, your CPFIS investments and cash balance in your CPF Investment Account will no longer be protected from any claims by your creditors and/or the Official Assignee.<br></p>CPF Withdrawals on Other Grounds17031703
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyHow do I apply to withdraw CPF if I am leaving Singapore and West Malaysia permanently?<p>​<strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank">Application Form to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</a> (PDF, 1.4MB) under the witness of an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.<br> </li><li style="margin-bottom:5pt;">Attach the supporting documents required according to your citizenship status (see table below). The supporting documents must be certified by an official of a Singapore Overseas Mission with his official seal/stamp duty affixed.<br> <p> <strong>Supporting Documents for Withdrawal<br></strong></p><div class="hidden-xs"><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td valign="middle" style="width:25%;vertical-align:middle;">1. For an applicant who has renounced his Singapore citizenship to migrate to another country (other than West Malaysia)</td><td class="ms-rteTable-default" style="width:75%;"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7).</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Current valid passport and passports used during your employment/residence in Singapore.</li><li>Foreign passport, or foreign citizenship certificate if there is no foreign passport.</li><li>Foreign identity card/document showing your personal identification number (if any).</li></ol></td></tr><tr><td valign="middle" style="vertical-align:middle;">2. For an applicant who is NOT a Singapore or Malaysia citizen</td><td class="ms-rteTable-default"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7)</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Current valid passport and passports used during your employment/residence in Singapore.</li><li>Foreign passport, or foreign citizenship certificate if there is no foreign passport.</li><li>Foreign identity card/document showing your personal identification number (if any).</li></ol></td></tr><tr><td valign="middle" style="vertical-align:middle;">3. For an applicant who is a Malaysian</td><td class="ms-rteTable-default"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7).</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Malaysian identity card that is currently valid.</li><li>International passport showing the passport number, full personal particulars, signature and date of the expiry of the passport.</li><li>Evidence of foreign permanent residency or citizenship.</li></ol></td></tr></tbody></table></div><div class="visible-xs"><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" colspan="2" style="width:25%;text-align:left;vertical-align:middle;">1. For an applicant who has renounced his Singapore citizenship to migrate to another country (other than West Malaysia) </td></tr><tr class="ms-rteTableOddRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" rowspan="1" colspan="2" style="width:25%;vertical-align:middle;"><p> <span aria-hidden="true"></span>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7).</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Current valid passport and passports used during your employment/residence in Singapore.</li><li>Foreign passport, or foreign citizenship certificate if there is no foreign passport.</li><li>Foreign identity card/document showing your personal identification number (if any).</li></ol></td></tr><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" colspan="2" style="text-align:left;vertical-align:middle;">2. For an applicant who is NOT a Singapore or Malaysia citizen </td></tr><tr class="ms-rteTableOddRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" rowspan="1" colspan="2" style="vertical-align:middle;">​Please submit a copy of: <ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7)</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Current valid passport and passports used during your employment/residence in Singapore.</li><li>Foreign passport, or foreign citizenship certificate if there is no foreign passport.</li><li>Foreign identity card/document showing your personal identification number (if any).</li></ol></td></tr><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" colspan="2" style="text-align:left;vertical-align:middle;">3. For an applicant who is a Malaysian </td></tr><tr><td valign="middle" rowspan="1" colspan="2" style="vertical-align:middle;"> <span style="color:#444444;">Please submit a copy of:</span> <ol type="a"><li> <span style="color:#444444;">A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7).</span></li><li> <span style="color:#444444;">Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</span></li><li> <span style="color:#444444;">Malaysian identity card that is currently valid.</span></li><li> <span style="color:#444444;">International passport showing the passport number, full personal particulars, signature and date of the expiry of the passport.</span></li><li> <span style="color:#444444;">Evidence of foreign permanent residency or citizenship.</span></li></ol></td></tr></tbody></table></div><p> <strong>We may request additional documents/information where necessary, for further verification.</strong></p></li><li style="margin-bottom:5pt;">Mail it to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</li></ol><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Please book an <a href="/appt">appointment</a> at least one working day before visiting us as our counter services are available by appointments only. <br> </li><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank">Application Form to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</a> (PDF, 1.4MB). </li><li style="margin-bottom:5pt;">Submit the completed <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank">application form</a> (PDF, 1.4MB) with the original supporting documents at the <a href="/Members/Contact/visit-us">CPF Service Centre</a>.</li></ol>CPF Withdrawals on Other Grounds17061706
Withdrawal of CPF by Malaysians residing in West MalaysiaWho is eligible? <p>You can withdraw your CPF in full if you meet <strong>all</strong> the following conditions:</p><ol type="i"><li>You are a Malaysian Citizen and have left Singapore permanently to reside in West Malaysia.<br> </li><li>You do not hold a valid Singapore Work Permit/Employment Pass and have renounced your Singapore Permanent Residency (if applicable).<br> </li><li>You are either:<br></li></ol><ol type="a"><li style="margin-bottom:4pt;margin-left:18.45pt;">55 years old and above; or </li><li style="margin-bottom:4pt;margin-left:18.45pt;">Below 55 years old but above 50 years old and have not worked in Singapore in the last two years before your application; or </li><li style="margin-bottom:4pt;margin-left:18.45pt;">Medically certified by a doctor to be either physically or mentally incapacitated from ever continuing any employment or is found to be of unsound mind.</li></ol>CPF Withdrawals on Other Grounds17071707
Withdrawal of CPF by Malaysians residing in West MalaysiaWhat happens to my investments under CPF Investment Scheme?<p>For CPF Investment Scheme – Ordinary Account (CPFIS-OA), the Board will inform the agent bank to close your CPF Investment Account. You may approach the bank for the withdrawal<sup>#</sup> of your investments and cash balance (if any) after the Board has notified you. Your investments will be transferred to your own name and you may thereafter liquidate them as you wish and have the sale proceeds paid to you directly.<br><br></p><p> <sup>#</sup>Central Depository (Pte) Ltd (“CDP”) imposes a transfer fee of $10.70 (inclusive of GST) for every share counter transferred from your CPF Investment Account to your CDP Account.<br></p><p>For CPF Investment Scheme – Special Account (CPFIS-SA), the Board will inform your product provider(s) to transfer your investment to your own name and you may thereafter liquidate them as you wish and have the sale proceeds paid to you directly.<br><br></p><p>Once withdrawn, your CPFIS investments and cash balance in your CPF Investment Account will no longer be protected from any claims by your creditors and/or the Official Assignee.<br></p>CPF Withdrawals on Other Grounds16981698
Withdrawal of CPF by Malaysians residing in West MalaysiaHow do I apply to withdraw my CPF if I fulfil the eligibility criteria as a Malaysian residing in West Malaysia?<p> <strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFMC.pdf" target="_blank">Application Form to Withdraw CPF by Malaysians Residing in West Malaysia</a> (PDF, 1.4MB) under the witness of an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.<br> </li><li style="margin-bottom:5pt;">Attach the following supporting documents certified by an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.<br><br> <div class="hidden-xs"><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td valign="middle" style="width:25%;vertical-align:middle;">1. For all applicants</td><td class="ms-rteTable-default" style="width:75%;"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>Both sides of your Malaysian identity card that is currently valid.</li><li>A page of your Malaysian passport that is currently valid showing the passport number and your full personal particulars.</li><li>A page of your passport showing the cancellation of long term pass/dependant pass (if applicable).</li><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7)</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li></ol></td></tr><tr><td valign="middle" style="vertical-align:middle;">2. For an applicant who is applying on medical grounds</td><td class="ms-rteTable-default"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>Doctor's medical report within 6 months stating your current state of health, level of incapacity and disability to work.</li></ol></td></tr></tbody></table></div><div class="visible-xs"><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" colspan="1" style="width:25%;vertical-align:middle;">1. For all applicants </td></tr><tr class="ms-rteTableOddRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" rowspan="1" colspan="1" style="width:25%;vertical-align:middle;">​Please submit a copy of: <ol style="list-style-type:lower-alpha;"><li>Both sides of your Malaysian identity card that is currently valid.</li><li>A page of your Malaysian passport that is currently valid showing the passport number and your full personal particulars.</li><li>A page of your passport showing the cancellation of long term pass/dependant pass (if applicable).</li><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7)</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li></ol></td></tr><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" style="vertical-align:middle;"> 2. For an applicant who is applying on medical grounds </td></tr><tr><td valign="middle" rowspan="1" style="vertical-align:middle;">​<span style="color:#444444;">Please submit a copy of:</span> <ol style="list-style-type:lower-alpha;"><li> <span style="color:#444444;">Doctor's medical report within 6 months stating your current state of health, level of incapacity and disability to work.</span></li></ol></td></tr></tbody></table></div><p> <strong>We may request additional documents/information where necessary, for further verification.</strong></p></li></ol><ol start="3" style="margin-bottom:5pt;"><li style="margin-bottom:5pt;">Mail it to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</li></ol><p> </p><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Please book an <a href="/appt">appointment</a> at least one working day before visiting us as our counter services are available by appointments only. <br> </li><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFMC.pdf" target="_blank">Application Form to Withdraw CPF by Malaysians Residing in West Malaysia</a> (PDF, 1.4MB). </li><li style="margin-bottom:5pt;">Submit the completed form with the original supporting documents listed above at the <a href="/Members/Contact/visit-us">CPF Service Centre</a>.</li></ol>CPF Withdrawals on Other Grounds17091709

 

 

 

 

 

 

 

 

 

 

Withdraw deceased’s CPFWithdraw deceased’s CPF/Tools/online-demos/online-demos/my-cpf-online-services/my-requests631MP4, 2.7MB
Withdraw my CPF on Reduced Life Expectancy due to medical conditions and Claim Home Protection Scheme BenefitWithdraw my CPF on Reduced Life Expectancy due to medical conditions and Claim Home Protection Scheme Benefit/Tools/online-demos/online-demos/my-cpf-online-services/my-requests603MP4, 3.2MB

 

 

Read the “Losing a Loved One” brochureRead the “Losing a Loved One” brochure<a href="/Assets/members/Documents/PamphletLosingaLovedOne.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">PamphletLosingaLovedOne.pdf</a><p>(PDF, 1.4MB)</p> <p>Read the “Losing a Loved One” brochure</p><a href="/Assets/common/Documents/ResourceThumbnails/LALO_thumbnail.png"><img alt="" src="/_layouts/15/IMAGES/icpng.gif">LALO_thumbnail.png</a>

 

 

 

 

Losing a Loved One: A Guide to CPF MattersLosing 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>

 

 

Application to Withdraw Deceased Member's CPF<a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/DeceasedMemberWithdrawal/Cover" title="Application to Withdraw Deceased Member's CPF"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application to Withdraw Deceased Member's CPF</a><p>​FORM CPF-D(1)</p><p>This form allows nominee to apply for withdrawal of deceased member’s CPF savings. The e-Service may take 10 minutes to complete.<br></p>00
Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently<a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank" title="Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</a><p>​FORM CPF-LM</p><p>This form allows CPF members leaving Singapore and West Malaysia permanently to apply for the withdrawal of their CPF savings.</p>00PDF, 1.4MB
Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently (Child)<a href="/Assets/members/Documents/FORM_CPFLMC.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently (Child)</a><p>FORM CPF-LM(C)</p><p>This form allows the parent/legal guardian of a CPF member below 21 years of age and leaving Singapore and West Malaysia permanently to apply for the withdrawal of the member’s CPF savings.</p>00PDF, 1.3MB
Application to Withdraw CPF by Malaysians Residing in West Malaysia<a href="/Assets/members/Documents/FORM_CPFMC.pdf" target="_blank" title="Application to Withdraw CPF by Malaysians Residing in West Malaysia"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw CPF by Malaysians Residing in West Malaysia</a><p>​FORM CPF-MC </p><p>This form allows Malaysians residing in West Malaysia to apply for the withdrawal of their CPF savings.</p>00PDF, 1.4MB
Application to Withdraw CPF by Malaysians Residing in West Malaysia (Child)<a href="/Assets/members/Documents/FORM_CPFMCC.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw CPF by Malaysians Residing in West Malaysia (Child)</a><p>FORM CPF-MC(C)</p><p>This form allows the parent/legal guardian of a Malaysian CPF member below 21 years of age and residing in West Malaysia to apply for the withdrawal of the member’s CPF savings on medical grounds. </p>00PDF, 1.2MB
Withdraw my CPF on Reduced Life Expectancy due to medical conditions and Claim Home Protection Scheme Benefit<a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/WithdrawMyCPFOnMedicalGrounds/ContinueToNotesPage"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Apply online</a><p>This form allows you to apply to withdraw some of your CPF savings earlier if you have a reduced life expectancy due to a medical condition, and claim Home Protection Scheme Benefit. The e-Service may take you 10 minutes to complete.</p>00
Change Payment Details (For Withdrawal on Non-Retirement Grounds)<a href="/Assets/members/Documents/Form_WSD78A.pdf" target="_blank" title="Request to Change Payment Details for Withdrawal on Non-Retirement Grounds">Change Payment Details (For Withdrawal on Non-Retirement Grounds)</a><p>​FORM WSD78A</p><p>This form allows you to change your payment details as a:</p><ul><li>Nominee applying to withdraw a deceased member’s CPF savings; or </li><li>Member leaving/who has left Singapore permanently. </li></ul>00PDF, 0.8MB

 

 

CPF Withdrawals on Other GroundsOther Matters

 

 

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