Scheduled Maintenance: CPF digital services will not be available on 28 May 2023, from 2am to 5am.

Your page is loading.
One moment please.

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.