CPFB | Division of CPF assets

Use ClauseComposer to draft CPF clauses

A tool to help you draft clauses relating to the division of CPF-related assets in a divorce so that they are in line with CPF legislation. You may use the clauses for reference when preparing your draft divorce court order.

Transfer of monies

Transfer of property with no or partial CPF refund

Use submission wizard to check if you need to notify us

Not all court orders to divide CPF-related assets require you to notify CPF Board. Use our submission wizard to find out.

Use submission wizard

Use these forms to submit court orders

To instruct the CPF Board to take action on the division of CPF-related assets in a divorce, submit all relevant court orders.

Submit yourself

Submit via lawyer

Overview

Types of CPF-related assets

From here on, "Court" refers to either the Family Justice Courts or the Syariah Court Singapore.

1

CPF savings

CPF savings may be considered as matrimonial assets. It is up to the Court to decide whether 1 party is entitled to any part of the other party's CPF savings, taking into account the matters set out in section 112 of the Women's Charter / section 52(3)(d) of the Administration of Muslim Law Act.

2

Property bought using CPF savings

The Court may order a division of your matrimonial property via some of these methods:

Sale or part-share sale
Transfer to ex-spouse with full, partial or no refund to the outgoing owner's CPF accounts
Retention by one party
Surrender

3

CPF investments

The Court may order a division of CPF-related investments by ordering an ownership transfer of investment from 1 party to the receiving party.

Another method is to order 1 party to sell the investments. The proceeds are refunded to the owner's CPF Investment Schemes' accounts, then to the respective CPF accounts. Finally, the Board transfers the amount directly to the receiving party's CPF accounts, or pays the receiving party in cash.

4

CPF LIFE premiums and payouts

If 1 party has started receiving monthly payouts from their CPF LIFE plan, the Court may order a payment from these payouts to the receiving party instead.

Alternatively, the Court may order the Board to make a refund of the CPF LIFE premium to their Retirement Account. Depending on the court order, the Board transfers the amount to the receiving party's CPF accounts, or pays the amount to the receiving party in cash.

Things to note

Before you apply to the Courts

Here are some things you should consider before you seek a court order for divorce.

If you're near age 55 or older

Closure of Special Account

Since 19 January 2025, CPF members’ Special Accounts are closed if members are aged 55 and above. If you turn age 55 after 19 January 2025, your Special Account will be closed on your 55th birthday.

If the CPF Board receives a court order for it to make a transfer or payment from your Special Account, the Board will not be able to carry out such a court order once your Special Account is closed. In such a scenario, you and your ex-spouse may wish to consider settling the matter privately.

Alternatively, parties may apply to the Court to vary the court order, so that the transfer or payment is made from a different CPF account. We strongly recommend parties seek legal advice so that both of you understand the application process and its implications.

Division of CPF savings

If CPF savings are to be divided as part of the divorce, the court order will need to specify how this will be done:

Transfer order

Under a transfer order, the CPF Board transfers savings directly from 1 party's CPF accounts to the receiving party's CPF accounts. Generally, money is transferred to corresponding CPF accounts: from Ordinary Account to Ordinary Account, MediSave Account to MediSave Account, and so on.

For a transfer order to work, the receiving party must be a Singapore Citizen or Permanent Resident. The receiving party can use the CPF savings immediately for approved CPF schemes such as housing and investment. They may also withdraw the savings when they are eligible.

Transfer orders can be enforced even if the party transferring the savings has yet to meet their Full Retirement Sum.

Charging order

Under a charging order, the CPF Board pays 1 party's CPF savings to the receiving party in cash. A charging order is generally possible only if the paying party is aged 55 or above, and eligible to withdraw their CPF savings.

How the court order is executed depends on the receiving party's citizenship status:

If the receiving party is a Singapore Citizen or Permanent Resident: Generally, the charge can only be imposed on savings in the paying party’s Ordinary Account. Only withdrawable savings in the paying party’s Ordinary Account (after setting aside the Full Retirement Sum in the Retirement Account) can be paid to the receiving party.
If the receiving party is a non-Singapore Citizen or Permanent Resident: The charge can be imposed on all of the paying party’s CPF accounts’ savings. There's no requirement that the paying party must meet the Full Retirement Sum for the payment to be made.

Division of property

Court order on the division of property

If you and your ex-spouse are co-owners of a property financed using CPF savings, the court order may specify either

a transfer of one party’s ownership to the other party, or
a sale of the property so that the sales proceeds can be divided.

Deciding who should own the matrimonial home

If you’re considering whether to become the sole owner of the property, i.e. your ex-spouse gives up ownership of the property, consider these details:

The outgoing owner’s CPF savings used to finance the property needs to be refunded. The remaining owner may use cash and/or their Ordinary Account savings to make the required funds to the outgoing owner’s CPF account.
As the remaining owner of the property, you will need to service monthly instalments of the home loan by yourself. Consider your income and finances before you apply to retain the property.

Buying your next home

If your home is sold or transferred after a divorce, you may need to buy a new home. You should take into account your financial situation post-divorce, such as your ability to service the monthly instalments if you are taking over ownership.

You may also use the Home Purchase Planner to estimate your budget for your next property.

Process

How the process works

Step 1: Apply to the Courts

Prepare and file the matrimonial application for divorce with the Courts.

If you intend to seek a division of your spouse's CPF-related assets, the court order must include clauses specifying how they should be divided. Ensure that the clauses should be for division of assets you have acquired while married, and they cannot be used towards settling maintenance, personal claims or debts.

Suggested clauses

You or your lawyers may refer to the Board's suggested clauses to draft your court order. These can be found in the Courts' websites. Using these suggested clauses ensures that your court order would be in line with CPF legislations.

Unsure about which clauses to include in your court order? To ensure that your court order aligns with CPF legislation and benefits from faster processing of the court order by the CPF Board, use ClauseComposer to draft the right CPF clauses for your court order.

Step 2: After you receive the court order

If the court order involves non-property CPF-related assets, or a property transfer without a full CPF refund

Court orders involving the division of non-property CPF assets should be submitted to the Board. Orders for the transfer of property with zero or partial CPF refunds should also be submitted.

Submit court order yourself Submission through lawyer

If the court order involves only a property disposal with full CPF refund

If the court order only involves a property disposal with full CPF refund to CPF accounts, you do not need to submit the court order to us. The Board will not be replying to such submissions. Please refer to our FAQ for information on housing refund rules and property matters.

For HDB flats: Inform HDB that you have received the court's decision. No consent letter from the CPF Board is needed.

For private properties: You can work with your conveyancing lawyer directly.

Not sure if you need to submit a court order to the CPF Board? Use the submission wizard to find out.

Step 3: Executing the court order

To protect the confidentiality of your information, we will only send account-specific information to the contact details (i.e. email address, mobile number) registered in Account settings. For court orders submitted by a lawyer from a law firm or Legal Aid Bureau, we will correspond with the lawyer by email.

Follow up

What else should you do after obtaining your court order

Review your CPF nominations

Divorce does not automatically revoke your existing CPF nomination.

If your ex-spouse is one of your CPF nominees, consider making a new nomination to redistribute your CPF savings if necessary.

Make CPF nomination

Stop recurring CPF top-ups to your ex-spouse

Top-ups are only allowed for family members, and divorce does not automatically terminate any automatic recurring top-ups you may have arranged.

You will need to instruct your bank to terminate GIRO arrangements to top-up your ex-spouse’s CPF accounts.

Terminate GIRO arrangements

Appoint new beneficiaries for term insurance

Divorce does not revoke an existing Dependants' Protection Scheme (DPS) nomination.

Please submit a new nomination form to the DPS insurer if you wish to change the beneficiaries of your DPS cover.

Go to Great Eastern Life website

Review administrative matters

Update your contact details

If you share the same contact details as your ex-spouse, please update your mobile number and, or email address via the Account settings page.

Go to Account settings

Removal of your ex-spouse's access to Child dashboard

If you have been granted sole custody of any of your children, your ex-spouse’s access to the relevant child dashboard will be revoked. Please write to us to submit a request and attach the court order as a supporting document, if this has not been earlier submitted to the Board.

Write to us

Update Home Protection Scheme coverage

Adjust or terminate your Home Protection Scheme coverage

You may need to adjust your Home Protection Scheme (HPS) cover to ensure that you are adequately covered for 100% of your outstanding housing loan. If your flat was directed to be sold or disposed under the court order, your HPS cover will be terminated.

Adjust Home Protection Scheme cover

Cancel standing orders for payment of your ex-spouse’s premium shortfall

If you have instructed us to use your CPF savings to pay for shortfalls in your ex-spouse’s annual HPS premium, please write to us to cancel the standing order.

Write to us

Stop insurance premiums and MediSave deductions

Upon divorce, you and your ex-spouse will no longer be eligible to withdraw each other’s MediSave Account savings for healthcare purposes. You need to revoke all existing standing authorisations to use your MediSave Account savings to pay for your ex-spouse’s treatments and insurance premiums.

MediShield Life, CareShield Life and ElderShield premiums

If you are paying for your ex-spouse’s MediShield Life premiums via GIRO, please approach your bank to terminate the GIRO payment.

Change payer for MediShield Life, CareShield Life and ElderShield

MediSave withdrawals

If you had previously made a standing authorisation to use your MediSave to pay for your ex-spouse’s treatments, please approach the medical institution to revoke your authorisation.

MediSave Care

To stop MediSave Care withdrawals from your MediSave Account for your ex-spouse, write to enquiries@aic.sg.

Others

Please approach your private Insurer to stop payments under these schemes:

CareShield Life Supplements
ElderShield Supplements
Integrated Shield Plan