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You can make cash top-ups to your platform workers' Special or Retirement Account. Learn more about helping to grow their retirement savings so that they can receive higher monthly payouts during retirement.
Doing so allows you to receive dollar-for-dollar tax deductions for the cash top-ups made. While the cash top-up is included in the platform worker's taxable income, your platform worker will receive tax relief of up to $8,000 on your top-up, subject to certain conditions.
To top up your platform workers' retirement savings, you can use your existing platform operators' CPF Submission Number (CSN) ("PWA" or "PWM"). You do not need to apply for a new CSN.
You can make voluntary MediSave contributions up to the CPF Annual Limit ($37,740 per platform worker) less any mandatory contributions and voluntary contributions to the three CPF accounts received by the platform worker for the calendar year.
You will enjoy tax deductions on the voluntary MediSave contributions of up to $2,730 per platform worker. These contributions are also tax exempt up to $2,730 for the platform worker.
To make VC to your platform worker's MediSave Account, please write to us to apply for a new CSN with payment code "MSE", e.g. 123456789-MSE-01.
After you receive the MSE CSN, you can submit and make voluntary MediSave contributions the same way you make mandatory CPF contributions for your platform workers via CPF EZPay.
Please indicate the month in which you make your VC submission as the month of contribution. For example, if you are submitting your voluntary MediSave contributions in January 2025, please indicate the month of contribution as January 2025.
You can make VC to your platform workers' three CPF accounts up to the CPF Annual Limit ($37,740 per platform worker) less any mandatory contributions and voluntary MediSave contributions received by the platform worker for the calendar year.
This VC is non-tax deductible for you and your platform worker.
This VC will be allocated to your platform workers' three CPF accounts, according to this allocation table, to build their CPF savings for retirement, housing and healthcare needs.
To make VC to your platform worker’s three CPF accounts, please apply for a new CSN with payment code “VCT”, e.g., 123456789-VCT-01.
After you receive the CSN, you can submit and make payment the same way you make mandatory CPF contributions for your platform workers via CPF EZPay.
Please indicate the month in which you make your VC submission as the month of contribution. For example, if you are submitting your VC in January 2025, please indicate the month of contribution as January 2025.