CPF digital services will not be available on 23 Jan 2022 from 2am to 5am (Singapore time) due to system maintenance. We apologise for any inconvenience caused.

Maintenance: CPF digital services at the website will not be available on 24 Dec 2021, from 9.30am to 11am (Singapore time) due to system maintenance. We apologise for any inconvenience caused. You may still access CPF digital services on CPF mobile app.

my cpf

View personal CPF information and transactions for retirement, home ownership, healthcare, and more.

CPF overview

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

Growing your savings

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.

Retirement income

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

Home ownership

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

Healthcare financing

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

Account services

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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How long does it take for my GIRO arrangement for my top-up to take effect?

Please refer to the table for our service standard for processing GIRO arrangement for top-ups:

Type of application

Service Standard


Deduction and crediting

Online GIRO application (DBS/POSB or OCBC bank users)
  • Your GIRO application will be processed almost instantly.
  • Your GIRO instruction will take effect in the same month If you submit both:
    • GIRO application; and 
    • Standing Instruction

within the first seven days of the month.

  • We will deduct the monies from your bank account on the 15th of the month (or the next working day if 15th falls on a Saturday, Sunday or Public Holiday).
  • Your top-up will be credited within seven working days after we receive your payment.

Note: Ensure that you maintain sufficient funds in your bank account for GIRO deductions. Some banks may charge an administrative fee for each unsuccessful deduction.


Hardcopy GIRO application (Other bank users)

  • Your GIRO application will be processed within 21 working days after we receive your application.
  • Your GIRO arrangement will take effect from the following month after your application is processed.