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Retirement Sum Topping-Up SchemeRetirement Sum Topping-Up Scheme<p>The Retirement Sum Topping-Up Scheme (RSTU) helps to build up your retirement savings. You can also help your loved ones grow their retirement savings through RSTU. You can do the following:</p><ul><li>Top up with cash or transfer of your CPF savings</li><li>Top up your own or your loved ones’ Special Accounts (below age 55) or Retirement Accounts (age 55 and above)<br></li></ul>TrueTrueOthers;#

 

 

UnderstandWhat is the Retirement Sum Topping-Up Scheme?The Retirement Sum Topping-Up (RSTU) Scheme helps you build up your own or loved ones’ retirement savings through higher monthly payouts and/or extended payout duration. <p> </p><p>You can top up via CPF transfer or cash to your own and/or your loved ones’ Special Account (SA) (for recipients below age 55) up to the current Full Retirement Sum (FRS), or Retirement Account (RA) (for recipients aged 55 and above), up to the current Enhanced Retirement Sum (ERS).</p><p> <br> </p><p> <strong>CPF Transfers</strong><br></p><p>CPF transfers can only be made to yourself, your parents, parents-in-law, grandparents, grandparents-in-law, spouse and siblings.</p><p> <i> <br> <strong>CPF Transfers to your Spouse</strong> </i></p><p>You can transfer net CPF savings above the Basic Retirement Sum (BRS) to your spouse’s CPF account, if your net CPF balances<sup>#</sup> and net amounts withdrawn for investments^ exceed the current BRS (if you are below 55 years old) or the BRS applicable to you (if you are 55 years old and above). With this, both you and your spouse can enjoy the benefits of the extra interest paid on the first $60,000 of your respective combined CPF savings.<br></p> <img src="/Assets/members/PublishingImages/BenefitsOfSpousalTransfer.png" alt="Benefits of Spousal Transfer" style="width:95.5%;height:auto;" /> <p> <i style="line-height:1.6;"> <br> <strong>CPF Transfers to your Parents, Parents-in-law, Grandparents, Grandparents-in-law or Siblings</strong></i><br></p><p>If you wish to transfer your CPF savings to your parent’s, parents-in-law’s, grandparent’s, grandparents-in-law’s or siblings’ CPF Accounts, your net CPF balances<sup>#</sup> and net amounts withdrawn for investments^ must exceed the current FRS (if you are below 55 years old) or the FRS applicable to you (if you are 55 years old and above).<br></p><p> <span style="font-size:0.9em;"> <sup>#</sup> Net CPF balances refer to Ordinary and Special Account savings, if you are below age 55. If you are 55 and above, net CPF balances refer to Ordinary, Special and Retirement Account savings.</span></p><p> <span style="font-size:0.9em;">^ Refers to net amounts withdrawn for (i) an active investment account under the CPF Investment Scheme (CPFIS)-OA, and (ii) investments under the CPFIS-SA and discounted Singtel shares that have not been completely disposed of.</span></p><p> <br> <strong>Cash top-ups</strong></p><p>Cash top-ups can be made to any recipient. You can enjoy tax relief of up to $7,000 per calendar year if you are topping up for yourself and additional tax relief of up to $7,000 per calendar year if you are topping up for your parents, parents-in-law, grandparents, grandparents-in-law, spouse and siblings.<br></p><p>To qualify for tax relief for cash top-ups made to your spouse's/siblings' CPF accounts, your spouse/siblings must meet one of the following conditions:</p><ol type="a"><li>Income (e.g. salary or tax exempt income such as bank interest, dividends and pension) not exceeding $4,000 in the year preceding the year of top-up*; or</li><li>Handicapped**<br></li></ol><p>In addition, only cash top-ups within the following caps will be eligible for tax relief:<br></p> <img src="/Assets/members/PublishingImages/FRSTaxReliefCap.png" alt="FRS tax relief cap" style="width:100%;height:auto;" /> <br> <p>You may wish to check with your recipient on his SA/RA savings<sup>#</sup> to find out more about the amount of tax relief you can receive for cash top-ups.<br></p><p> <span style="font-size:0.9em;">* "Income" of a person would include income from all sources, such as tax exempt income (e.g. bank interest, dividend and pension) and foreign-sourced income remitted into Singapore. Hence investment income/rental income/directorship income etc, are considered to be income of a person.<br></span></p><p> <span style="font-size:0.9em;">** A handicapped person is one who has been incapacitated mentally or physically. Some examples are visual-impairment, loss of hearing, loss of limb and dementia.<br></span></p><p> <span style="font-size:0.9em;">^ The cap is based on current FRS, rather than the ERS, to keep tax benefits focused on supporting basic retirement needs. Cash top-ups <strong>beyond</strong> the above caps will not be eligible for tax relief.<br></span></p><p> <span style="font-size:0.9em;"><sup>#</sup> RA savings refer to the cash set aside in the RA (excluding amounts such as interest earned, any government grants received) plus amounts withdrawn such as monthly payouts and payout eligibility age lump sum withdrawal.</span><br></p><p>Please note that there will be a personal income tax relief cap of $80,000, which will apply from Year of Assessment 2018. This cap applies to the total amount of all tax reliefs claimed, including any relief on cash top-ups made under the RSTU Scheme, made on or after 1 January 2017.<br></p><p>As accepted cash top-ups made under the RSTU Scheme cannot be refunded, CPF members who make cash top-ups on or after 1 January 2017 should take note of the overall personal income tax relief cap. You should evaluate whether you would benefit from tax relief on your cash top-ups and make an informed decision accordingly.<br></p> <br>Retirement Sum Topping-Up Scheme21351739
EvaluateWhat are the benefits of topping up?<p>Topping up for yourself and/or your loved ones helps build the recipient's SA (for recipients below age 55) up to the current FRS, or RA (for recipients aged 55 and above) savings, up to the current ERS.</p><p> <br> </p><p> <strong>Interest Earned</strong></p><p>Savings in the SA and RA earn an interest rate of up to 6%*.</p><p> <span style="font-size:0.9em;">* Your CPF savings in the Ordinary Account (OA) earn guaranteed interest rates of 2.5% per year, while savings in the SA, Medisave Account and RA currently earn interest rates of 4% per year. The first $60,000 of your combined CPF balances, of which up to $20,000 comes from your OA, earn an additional 1% interest per year. Since 2016, an additional 1% interest is paid on the first $30,000 of combined CPF balances for all members aged 55 and above.</span></p><p> <br> </p><p> <strong>Tax relief/deduction for Cash top-ups</strong></p><p>If you are making cash top-ups for yourself, you can enjoy tax relief equivalent to the amount of cash top-ups made, up to $7,000 per calendar year.<br></p><p>If you are also making cash top-ups for your loved ones - parents, parents-in-law, grandparents, grandparents-in-law, spouse and siblings, you can enjoy additional tax relief of up to $7,000 per calendar year<sup>#</sup>.<br></p><p> <span style="font-size:0.9em;"><sup>#</sup> Conditions apply.</span></p><p> <img src="/Assets/members/PublishingImages/Benefits_of_topping_up.png" alt="Benefits of topping-up in your 30s-40s." style="width:80%;height:auto;" /> <br> </p><p>If you are an employer, you can also make cash top-ups on your employees’ behalf. You will receive an equivalent amount of tax deductions for the cash top-ups made, while your employee will also receive tax relief of up to $7,000 per calendar year. The tax relief that your employee will receive will also take into consideration any cash top-ups that he may have done for himself. However, your employee can only enjoy tax relief for cash top-ups to his RA if the top-up amount is within the current FRS less his RA savings.<br></p><p>Please note that there will be a personal income tax relief cap of $80,000, which will apply from Year of Assessment 2018. This cap applies to the total amount of all tax relief claimed by individuals, including any tax relief claimed on the cash top-up.</p><p>For cash top-ups made in the year, you/your employer can claim the tax relief/deduction in the following year's Tax Assessment.<br></p>Retirement Sum Topping-Up Scheme21361740
EvaluateHow can top-up monies be used?<p>Top-up monies are set aside specifically for retirement needs and will be streamed out as monthly payouts under the Retirement Sum Scheme, or CPF LIFE<sup>1</sup>. It cannot be used for other purposes such as education, investment, insurance premium payments, housing, be withdrawn via a property with sufficient CPF property charge or pledge, CPF transfers and/or exemption.<br></p><p>Top-up monies also do not form part of the BRS in computing how much RA savings<sup>2</sup> above the BRS that can be withdrawn through sufficient CPF property charge or pledge, as well as how much RA savings<sup>2</sup> above their BRS that can be used for participation in the following CPF schemes:<br></p><ol><li>Members who wish to withdraw RA savings above their BRS for housing</li><li>Members who wish to transfer RA savings above their BRS to their spouse’s CPF account, under the Retirement Sum Topping-Up scheme<span style="line-height:1.6;">​</span></li></ol><p> <span style="font-size:0.9em;"> <sup>1</sup> Note that non top-up monies will be used first before top-up monies.</span></p><p> <span style="font-size:0.9em;"><sup>2</sup> RA savings refers to the cash set aside in the RA (excluding amounts such as interest earned, any government grants received and top-ups received under the Retirement Sum Topping-up scheme), plus amounts withdrawn such as monthly payouts and payout eligibility age lump sum withdrawal.</span></p><p>Please click on <a href="/Assets/members/Documents/Illustration_of_topup_monies_in_RA.pdf" target="_blank">Top-up monies in RA</a> (PDF, 0.2MB) for an example.<br></p>Retirement Sum Topping-Up Scheme21371741
EvaluateWhen should I top up?<p> <strong>Be rewarded for topping up early</strong></p><p>Top up early in the year to earn more interest on your CPF savings!<br></p><p>Top up in January each year rather than December, and you could earn around 20% more interest on your CPF savings in just 10 years.</p><p> <img src="/Assets/members/PublishingImages/mstugraph(april).jpg" alt="Earn more interest by topping-up in January each year rather than December" style="width:60%;height:auto;" /> </p><p> <span style="font-size:0.9em;">* Based on current Special/Retirement Account interest rates of up to 6%<sup>#</sup> per annum, with $7,000 annual top-up, and $0 starting CPF balances.</span><br></p><p> <span style="font-size:0.9em;"><sup>#</sup> CPF savings in the Special and Retirement Accounts currently earn interest rates of 4% per year. The first $60,000 of your combined CPF balances, of which up to $20,000 comes from your OA, earn an additional 1% interest per year. An additional 1% interest is paid on the first $30,000 of combined CPF balances for all members aged 55 and above.</span></p><p>Top up early to:<br>✓ Grow your CPF savings faster,<br>✓ Avoid the year-end rush, and<br>✓ Avoid missing out on the year-end tax relief deadline^.<br></p><p> <span style="font-size:0.9em;">^ If you are topping up by cheque, your application must reach the Board by 31 December, 10 am, to enjoy tax relief for the following year's Tax Assessment. If 31 December falls on a weekend, your application should reach us on the last working Friday of the year, 10 am. This is to allow sufficient time for the cheque to be cleared.</span><br></p>Retirement Sum Topping-Up Scheme21381742
DecideHow much CPF savings can I transfer to my loved ones?<p>You can transfer your CPF savings to your loved ones to build up their retirement savings. You can check how much CPF savings you can transfer to your loved ones through <em></em><a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/WelcomePage">my cpf Online Services</a> > My Messages.<br></p><ul><li>The maximum amount of CPF savings that you can transfer to your sibling's, parent's, parents-in-law's, grandparent's or grandparents-in-law's CPF Accounts is:<br></li><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:50%;"><p>​If you are below age 55<br></p></td><td class="ms-rteTable-default" style="width:50%;"><p>​Your balance OA savings after setting aside the current FRS. The FRS can be set aside using your OA and SA savings, including net amounts withdrawn for investments^.<br></p></td></tr><tr><td class="ms-rteTable-default"><p>​If you are age 55 and above</p></td><td class="ms-rteTable-default"><p>Your balance OA savings after setting aside the applicable FRS. The FRS can be set aside using your OA and SA savings, including net amounts withdrawn for investments^, and RA savings<sup>#</sup>.<br></p></td></tr></tbody></table><p> <span style="font-size:0.9em;">^ Refers to net amounts withdrawn for (i) an active investment account under the CPF Investment Scheme (CPFIS)-OA, and (ii) investments under the CPFIS-SA and discounted Singtel shares that have not been completely disposed of.</span></p><p> <span style="font-size:0.9em;"><sup>#</sup> RA savings refer to the cash set aside in the RA (excluding amounts such as interest earned, any government grants received) plus amounts withdrawn such as monthly payouts and payout eligibility age lump sum withdrawal.</span></p><li>The maximum amount of CPF savings that you can transfer to your spouse's CPF account is:<br></li><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:50%;"><p>​If you are below age 55<br></p></td><td class="ms-rteTable-default" style="width:50%;"><p>​Your balance OA savings after setting aside the current BRS. The BRS can be set aside using your OA and SA savings, including net amounts withdrawn for investments^.</p></td></tr><tr><td class="ms-rteTable-default"><p>​If you are age 55 and above</p></td><td class="ms-rteTable-default"><p>​Your balance CPF savings* after setting aside the applicable BRS. The BRS can be set aside using your OA and SA savings, including net amounts withdrawn for investments^, and RA savings<sup>#</sup>.</p></td></tr></tbody></table><p> <span style="font-size:0.9em;"> <sup>*</sup> You can write to the Board to specify the CPF accounts from which to transfer to your spouse.</span></p><p> <span style="font-size:0.9em;">^ Refers to net amounts withdrawn for (i) an active investment account under the CPF Investment Scheme (CPFIS)-OA, and (ii) investments under the CPFIS-SA and discounted Singtel shares that have not been completely disposed of.</span></p><p> <span style="font-size:0.9em;"> <sup>#</sup> RA savings refer to the cash set aside in the RA (excluding amounts such as interest earned, any government grants received) plus amounts withdrawn such as monthly payouts and payout eligibility age lump sum withdrawal.</span></p></ul><p>Please click on <a href="/Assets/members/Documents/Computation_of_amounts_for_givers.pdf" target="_blank">Computation of amounts for givers</a> (PDF, 80KB) for an example.<br></p>Retirement Sum Topping-Up Scheme21391743
DecideHow much cash top-up or CPF transfer can a recipient receive?<p>A recipient can receive top-ups from more than one giver so long as the total top-ups do not exceed the maximum top-up amount he/she can receive.<br></p><p>The recipient can check how much he/she can receive through <em></em> <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/WelcomePage">my cpf Online Services</a> > My Messages.<br></p><p> <img src="/Assets/members/PublishingImages/Topuplimit.jpg" alt="Maximum amount of top-up the recipient can receive" style="width:80%;height:auto;" /> <br> </p><p>Please click on <a href="/Assets/members/Documents/Computation_of_amounts_for_recipients.pdf" target="_blank">Computation of amounts for recipients</a> (PDF, 84KB) for an example.<br></p>Retirement Sum Topping-Up Scheme21401744
ApplyHow do I make a CPF or cash top-up to build up my retirement savings?<p> <img alt="Modes of topping-up" src="/Assets/members/PublishingImages/ModesofToppup_Infographic.png" style="width:100%;height:auto;" /> </p><p> <strong>Online using <em> <strong>my cpf</strong></em> (CPF transfers or cash top-ups via OCBC's Internet Banking)</strong></p><ol><li style="margin-bottom:5pt;">Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices">SingPass</a>. </li><li style="margin-bottom:5pt;">Submit an online application via My Requests > Building Up My / My Recipient's CPF Savings. </li><li style="margin-bottom:5pt;">For cash top-up, please make your payment immediately via OCBC’s Internet Banking/Mobile Banking/ATM.</li></ol><p>Your top-up will be processed within our <a href="/Members/AboutUs/about-us-info/service-standards-for-members/retirement" target="_blank">service standards</a> after we receive your application. </p><p> <strong>Online using e-Cashier (cash top-ups only)</strong></p><ol><li style="margin-bottom:5pt;">Go to <a href="https://www.cpf.gov.sg/eSvc/Web/Miscellaneous/Cashier/ECashierHomepage"> e-Cashier</a> and select payment for top up my own/recipient's RA/SA under the Retirement Sum Topping-Up Scheme (RSTU). </li><li style="margin-bottom:5pt;">Make your payment immediately via E-cashier’s mode of payment (eNETS Debit only).</li></ol><p>Your top-up will be processed within our <a href="/Members/AboutUs/about-us-info/service-standards-for-members/retirement" target="_blank">service standards</a> after we receive your application. </p><p> <strong>Online using AXS (cash top-ups only)</strong></p><ol><li style="margin-bottom:5pt;">Go to any AXS station and select payment for top up my own/recipient's RA/SA under the Retirement Sum Topping-Up Scheme (RSTU). </li><li style="margin-bottom:5pt;">Make your payment immediately via the AXS machine.</li></ol><p>Your top-up will be processed within our <a href="/Members/AboutUs/about-us-info/service-standards-for-members/retirement">service standards</a> after we receive your application. </p><p> <strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and fill up <a href="/Assets/members/Documents/Form_RSSTP.pdf" target="_blank"> FORM RSS-TP: Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For Members)</a> (PDF, 1.2MB).<br><br>Mail it to:<br>CPF Board <p>Robinson Road P.O. Box 3060 Singapore 905060</p>Your top-up will be processed within our <a href="/Members/AboutUs/about-us-info/service-standards-for-members/retirement">service standards</a> after we receive your application<br></li><li style="margin-bottom:5pt;"><div>Alternatively, you can make use of our GIRO facility to make monthly and/or yearly cash top-ups to your own or loved ones’ CPF accounts. </div><div> <br>Download and fill up <a href="/Assets/members/Documents/FORM_RSTU_GIROandSI.pdf" target="_blank">Top Up Retirement Sum Using GIRO</a> (PDF, 1.3MB).</div><div> <br> </div>Mail it to:<br>CPF Board<br>Robinson Road P.O. Box 3060 Singapore 905060<br></li></ol><p>Your GIRO application will be processed within 21 working days after we receive your application. <br>Upon approval of your GIRO application, your GIRO deduction will commence in the following month. The deduction will take place on the 15<sup><font size="2">th</font></sup> of each month. If the 15<sup><font size="2">th</font></sup> falls on a Saturday, Sunday or public holiday, the deduction will be made on the next working day.<br></p>Retirement Sum Topping-Up Scheme16101610
ApplyWhat supporting documents do I need to apply for the Retirement Sum Topping-Up Scheme?<p> <strong>For CPF transfers</strong></p><p>For first time transfer using your CPF savings, you will need to submit the following documents to prove your relationship with your loved ones.</p><ol><li>your marriage certificate* for spouse’s transfer;</li><li>your birth certificate for parent’s transfer; </li><li>you and your parent’s birth certificates for grandparent’s transfer</li><li>you and your sibling’s birth certificates for sibling’s transfer; </li><li>your marriage certificate* and your spouse’s birth certificate for parent-in-law’s transfer; and/or </li><li>your marriage certificate*, your spouse’s and your spouse’s parent’s birth certificate for grandparent-in-law’s transfer</li></ol><p> <span style="font-size:0.9em;">* Only required if your marriage is registered overseas</span></p><p>If you had previously made a transfer to your recipient using your CPF, you are not required to submit the supporting documents again to make another CPF transfer to the same recipient.<br></p><p>You can submit the documents to us via the following modes:</p><ol><li>E-concierge using your SingPass and follow below steps:<br></li>Step 1: Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices">SingPass</a>. <br> Step 2: Click on “My Request” from the left Menu.<br> Step 3: Select "Other CPF Matters".<br> Step 4: Select "Submit My e-Concierge request".<br> Step 5: Click on the checkbox “I have read and accepted the Terms and Conditions above”. <br> Step 6: Click on “Start“.<br> Step 7: Select "Retirement Schemes --> Retirement Sum Topping-Up Scheme" in "e-Concierge Category" <br> Step 8: Attach your documents and key in your request.<br> Step 9: Click on "Next".<br> Step 10: Click on "Submit" to confirm your request.<br><br> <li>Mail to us at:<br> CPF Board<br> Retirement Schemes Department (RSTU)<br> Robinson Road P.O. Box 3060 Singapore 905060 </li></ol><p> <strong>For Cash Top-ups</strong></p><p>No supporting documents are required for making top-ups using cash.<br></p>Retirement Sum Topping-Up Scheme21411745
ApplyHow do I know the status of my application?<p>You can view the transaction online once your application is processed. Log on to <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/WelcomePage"><em>my cpf</em> Online Services</a> > My Statement to view your transactions. No acknowledgement on your application will be sent.</p><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td class="ms-rteTable-default" style="width:50%;"> <strong>Manual Transaction</strong></td><td class="ms-rteTable-default" style="width:50%;"> <strong>E-Transaction</strong></td></tr><tr><td class="ms-rteTable-default">7 working days.</td><td class="ms-rteTable-default">5 working days.</td></tr></tbody></table> <br>Retirement Sum Topping-Up Scheme21421746
ApplyCan I reverse my top-up?Top-ups under the RSTU Scheme are irreversible and irrevocable.<br>Retirement Sum Topping-Up Scheme21431747

 

 

Ordinary Account - Special Account Savings Transfer Calculator Ordinary Account - Special Account Savings Transfer Calculator <a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/OAToSATransfer/OAToSATransfer" target="_blank"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">oa2sa_cal.asp</a>

 

 

 

 

 

 

Transfer from my CPF Account to my recipient's Retirement Account (MP4, 2.4MB)Transfer from my CPF Account to my recipient's Retirement Account (MP4, 2.4MB)<a href="/Assets/members/Documents/OnlineDemo/MSSTP_RE.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Transfer from my Ordinary Account to my recipient's Retirement Account</a>
Transfer from my CPF Account to my recipient's Special Account (MP4, 2.2MB) Transfer from my CPF Account to my recipient's Special Account (MP4, 2.2MB) <a href="/Assets/members/Documents/OnlineDemo/MSSTP_SA.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Transfer from my Ordinary Account to my recipient's Special Account</a>
Transfer from my Special Account and/or Ordinary Account to my Retirement Account (MP4, 1.1MB)Transfer from my Special Account and/or Ordinary Account to my Retirement Account (MP4, 1.1MB)<a href="/Assets/members/Documents/OnlineDemo/RSS_TP_SELF55.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Transfer from my Ordinary Account and/or Special Account to my Retirement Account</a>
Transfer from my Ordinary Account to my Special Account (MP4, 0.9MB)Transfer from my Ordinary Account to my Special Account (MP4, 0.9MB)<a href="/Assets/members/Documents/OnlineDemo/TFR_OA.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Transfer from my Ordinary Account to my Special Account</a>
Top up my own/recipient's Retirement Account (RA) (e-Cashier) (MP4, 2.2MB)Top up my own/recipient's Retirement Account (RA) (e-Cashier) (MP4, 2.2MB)<a href="/Assets/members/Documents/OnlineDemo/eCashier_MSSTP_RE.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Top up my own/recipient's Retirement Account (RA) under the Minimum Sum Topping-Up Scheme (e-Cashier)</a>
Top up my own/recipient's Retirement Account (RA) (e-Cashier) via SingPass (MP4, 2.2MB)Top up my own/recipient's Retirement Account (RA) (e-Cashier) via SingPass (MP4, 2.2MB)<a href="/Assets/members/Documents/OnlineDemo/eCashier_RSSTP_RE_Cash.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Contribute to my / my recipient's Retirement Account via e-Cashier</a>
Top up my own/recipient's Special Account (SA) (e-Cashier) (MP4, 1.8MB)Top up my own/recipient's Special Account (SA) (e-Cashier) (MP4, 1.8MB)<a href="/Assets/members/Documents/OnlineDemo/eCashier_MSSTP_SA.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Top up my own/recipient's Special Account (SA) under the Minimum Sum Topping-Up Scheme (e-Cashier)</a>
Top up my own/recipient's Special Account (SA) (e-Cashier) via SingPass (MP4, 2.2MB)Top up my own/recipient's Special Account (SA) (e-Cashier) via SingPass (MP4, 2.2MB)<a href="/Assets/members/Documents/OnlineDemo/eCashier_MSSTP_SA_Cash.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Contribute to my / my recipient's Special Account via * internet banking using e-cashier </a>
Top up my own / recipient's Retirement Account (AXS) (MP4, 1.3MB)Top up my own / recipient's Retirement Account (AXS) (MP4, 1.3MB)<a href="/Assets/members/Documents/OnlineDemo/AXS_TopUpRAMMS.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Top up my own / recipient's Retirement Account under the Minimum Sum Topping-Up Scheme</a>
Top up my own / recipient's Special Account (AXS) (MP4, 1.3MB)Top up my own / recipient's Special Account (AXS) (MP4, 1.3MB)<a href="/Assets/members/Documents/OnlineDemo/AXS_TopUpSAMMS.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Top up my own / recipient's Special Account under the Minimum Sum Topping-Up Scheme</a>
Top up my / my recipient's Retirement Account via OCBC's Internet Banking (MP4, 2.5MB)Top up my / my recipient's Retirement Account via OCBC's Internet Banking (MP4, 2.5MB)<a href="/Assets/members/Documents/OnlineDemo/RSSTP_RE_Cash_OCBC.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Contribute to my / my recipient's Retirement Account via * OCBC's Internet Banking </a>
Top up my / my recipient's Special Account via OCBC's Internet Banking (MP4, 2.3MB)Top up my / my recipient's Special Account via OCBC's Internet Banking (MP4, 2.3MB)<a href="/Assets/members/Documents/OnlineDemo/MSSTP_SA_Cash.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Contribute to my / my recipient's Special Account via * OCBC's Internet Banking </a>

 

 

 

 

 

 

 

 

Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For members) - Cash top-up<a href="/Assets/members/Documents/Form_RSSTP.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For members)</a><a href="https://www.cpf.gov.sg/eSvc/Web/Miscellaneous/Cashier/ECashierHomepage" title="Application to Make Top-Ups Under the Minimum Sum Topping-Up Scheme (For members)"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application to Make Top-Ups Under the Minimum Sum Topping-Up Scheme (For Members) - Cash Top-up</a><p>FORM RSS-TP (PDF, 1.2MB)<br></p><p> <span style="font-size:0.9em;">Please refer to the options below to make Cash top-up. If you wish to top up via OCBC internet banking, please follow these steps, Login > My Requests > Building Up My / My Recipient's CPF Savings</span></p>10
Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For members) - CPF transfer to recipient’s RA/SA<a href="/Assets/members/Documents/Form_RSSTP.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Make Top-Ups Under the Retirement Sum Topping-Up Scheme (For members) - CPF transfer to recipient’s RA/SA</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/MakeTopUpToCpfSavings/Index?mode=Cpf&account=Retirement"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Application to Make Top-Ups Under the Minimum Sum Topping-Up Scheme (For Members) - CPF transfer to recipient’s RA</a><p>FORM RSS-TP (PDF, 1.2MB)<br></p><p> <span style="font-size:0.9em;">Please login to make CPF transfer to your CPF account. Login > My Requests > Building Up My / My Recipient’s CPF savings</span></p>00
Top Up Retirement Sum (For Employers)<a href="/Assets/common/Documents/FORM_RSSTPC.pdf" target="_blank" title="Top Up Retirement Sum (For Employers)"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Make Top-Ups under the Retirement Sum Topping-Up Scheme (For Employers)</a>FORM RSS-TP/C (PDF, 0.9MB)<br>00
Top Up Retirement Sum Using GIRO<a href="/Assets/members/Documents/FORM_RSTU_GIROandSI.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Standing Instruction (SI) to Make Monthly and/or Yearly Cash Top-Ups</a><p>RSTU/SI and RSTU/GIRO (PDF, 1.2MB)<br></p>00
Terminate GIRO Arrangement Under Retirement Sum Topping-up Scheme<a href="/Assets/members/Documents/form_rstu_t.pdf" target="_blank" title="Terminate GIRO Arrangement Under Retirement Sum Topping-up Scheme"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Termination of Inter-Bank GIRO Under Retirement Sum Topping-up Scheme</a><p>​FORM RSTU/T (PDF, 0.2MB)<br></p>00

 

 

Retirement Sum Topping-Up SchemeRetirement

 

 

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