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CPF overview

CPF empowers you to secure your life goals. Save for retirement, home ownership, and healthcare protection.

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For greater peace of mind in your golden years, CPF provides you with a strong foundation for retirement by helping you save for your retirement income, home ownership and healthcare needs.

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Build a strong foundation for your retirement and get more from what you save in your golden years.

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Owning a home can be affordable. Take care of your mortgage repayment, while protecting your retirement nest egg.

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Learn how CPF can give you peace of mind to manage your basic healthcare sum and meet the costs of your healthcare needs.

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Throughout your working life and in retirement, you can easily access your CPF account information using Singpass. To better manage your CPF savings, keep up with the latest news by having your contact details updated and subscribe to our email notifications.

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Account closure

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Closing your account when you leave Singapore

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Updates on 20 Apr 2021

Added new section for home page under banner.

Eligibility

Leaving permanently

Leaving Singapore and West Malaysia permanently

If you’re leaving or have left Singapore and West Malaysia with no intention of coming back to live or work, you should close your CPF account now and withdraw your savings in full.

Malaysian leaving Singapore permanently for West Malaysia

There are different requirements for Malaysian citizens who are leaving or have left Singapore permanently to reside in West Malaysia. Find out how to close your CPF account and withdraw your CPF savings in full.

Learn more
Things to note

What happens when you close your CPF account

Understand the impact on your savings and other policies when you close your CPF account.

1
CPF investments under Ordinary Account (CPFIS-OA)

The CPF Board will request the agent bank to close your CPF Investment Account. You may then approach the bank to transfer* your investment to your name. After that, you may liquidate them and have the sale proceeds paid to you directly. 

2
CPF investments under Special Account (CPFIS-SA)

The CPF Board will inform your product provider(s) to transfer your investment(s) into your name, after which you may liquidate them and have the sale proceeds paid to you directly.

3
Withdrawal of discounted Singtel shares

If you have discounted Singtel shares, you must sell them through SingPost or your broker prior to the closure of your CPF account. Alternatively, if you still have a Central Depository (CDP) Account, you can transfer your Singtel shares there instead.

4
Termination of CPF LIFE plan

If you’re currently covered under CPF LIFE, your policy will be terminated and the unused premium refunded. If you wish to retain your policy, please contact the CPF Board. 

5
Unpaid tax and premiums

If your tax or MediShield Life premiums are overdue and unpaid, the Inland Revenue Authority of Singapore (IRAS) may appoint the CPF Board to recover the unpaid amount from the CPF savings you’re withdrawing. IRAS will send an agent appointment notice to inform you that the CPF Board will pay the amount to IRAS to settle your unpaid taxes, MediShield Life premiums, or both.

6
Returning to Singapore as a Singapore Citizen or Singapore Permanent Resident

If you return to Singapore as a Citizen or Singapore Permanent Resident, you must refund the amount withdrawn plus any accrued interest to your CPF account.

 

*Central Depository (Pte) Limited (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.

Application

Close your CPF account and withdraw your savings

If you are in Singapore, make an appointment to visit the CPF Service Centre. If you are overseas, choose an application form that is suitable for your circumstances and send your application by post. 

For members leaving Singapore and West Malaysia permanently

If you're overseas, complete an application form and send it in by post. Your application must be witnessed and certified true by an official from a Singapore Overseas mission, with the official seal/stamp duly affixed.

Documents you'll need (PDF, 62KB) Complete the form (PDF, 1.4MB)
For Malaysians leaving Singapore permanently for West Malaysia

If you're a Malaysian citizen who is leaving or have left Singapore permanently to reside in West Malaysia, close your CPF account and withdraw your CPF savings in full.

Apply here

Visit the CPF Service Centre

Complete the process of closing your CPF account in person at the CPF Service Centre.

Make an appointment
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