CPF digital services will not be available on 9 Jan 2022, from 4am to 8am (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.

Your page is loading.
One moment please.

Top Up Retirement Sum Using Cash (For Members)

This form allows you to make cash top-ups to your own or your loved ones’ Special or Retirement Account under the Retirement Sum Topping-Up Scheme. The digital service may take you 10 minutes to complete.

Apply Online


Top Up Retirement Sum Using CPF (For Members) - CPF transfer to loved ones' RA/SA

This form allows you to transfer your CPF savings to your loved ones’ Special or Retirement Account under the Retirement Sum Topping-Up Scheme. The digital service may take you 10 minutes to complete.

Apply Online


Top Up Retirement Sum Using CPF (For Members below age 55) - CPF transfer to my SA

This form allows you to transfer your Ordinary Account savings to your Special Account under the Retirement Sum Topping-Up Scheme. The digital service may take you 5 minutes to complete.

Apply Online


Top Up Retirement Sum Using CPF (For Members age 55 and above) - CPF transfer to my RA

This form allows you to transfer your Special and/or Ordinary Account savings to your Retirement Account under the Retirement Sum Topping-Up Scheme. The digital service may take you 10 minutes to complete.

Apply Online


Top Up Retirement Sum (For Employers)

FORM RSS-TP/C

This form allows employers to make cash top-ups for their employees under the Retirement Sum Topping-Up Scheme.

Apply Online


Top Up Retirement Sum Using GIRO

Step 1: Apply for a GIRO arrangement with DBS/POSB or OCBC


If you are a DBS/POSB or OCBC bank user, this form allows you to set up a GIRO arrangement to make cash top-ups to your own or your loved ones’ Special or Retirement Account under the Retirement Sum Topping-Up Scheme. The digital service may take you 5 minutes to complete.

Apply Online

Step 2: Set up a Standing Instruction


This form allows you to submit the Standing Instructions to start the deductions once the above GIRO application is approved. The digital service may take you 5 minutes to complete.

Apply Online


This form allows you to make the cash top-ups using GIRO if you are not a DBS/POSB or OCBC bank user.

Download (PDF, 1.6 MB)


Terminate GIRO Arrangement Under Retirement Sum Topping-up Scheme

​FORM RSTU/T

This form allows you to terminate your GIRO arrangement under the Retirement Sum Topping-Up Scheme. The digital service may take you 3 minutes to complete.

Apply Online


Make Cash Refund of CPF Savings Used for Property

​FORM HSD/VR

This form allows you to make a cash refund of your CPF savings used for your property.

Apply Online


Apply for GIRO for Mandatory MediSave Contributions or Voluntary Contributions

​FORM GIRO (SE/VC)

This form allows a Self-Employed Person/ Non Self-Employed Person to apply for GIRO arrangement to make Mandatory and/or Voluntary Contributions for himself or by another person on his behalf.

Apply Online

Download (PDF, 0.6MB)


Standing Instructions (SI) for Payment of Voluntary Contributions Via GIRO (for Self-Employed Person or Non Self-Employed Person)

​FORM SI/VC (via GIRO)

This form allows a member to make a voluntary contribution to his MediSave (for Self-Employed Person) or three CPF accounts (Ordinary, Special and MediSave) by himself or by another person on his behalf. The digital service may take 5 minutes to complete.

Apply Online


Terminate Direct Debit/GIRO (Non Self-Employed)

FORM DDA/GIRO T

This form allows a non self-employed person to terminate his GIRO arrangement for voluntary contributions. The digital service may take 5 minutes to complete.

Apply Online


Voluntary Contribution for CPF Member

FORM VC/1

This form allows a member to make a voluntary contribution to his MediSave or three CPF accounts (Ordinary, Special and MediSave) by himself or by another person on his behalf. The digital service may take 5 minutes to complete.

Apply Online

Application for Withdrawal of Investments under CPF Investment Scheme (With Closure of Investment Account) and/or Discounted Singtel Shares

FORM INV-Transfer

This form allows you to withdraw your investments under CPF Investment Scheme (with closure of investment account) and/or Discounted Singtel shares. The digital service may take you 5 minutes to complete.

Apply Online

Register for CPF/MediSave Contributions as a Self-Employed Person

​FORM CPF SE 1A

This form allows you to register as a Self-Employed Person. The digital service may take you 5 minutes to complete.

Apply Online


Top-up to 3 CPF Accounts for Self-Employed Person

FORM CPF SE 2

This form allows you to make Voluntary Contribution to your 3 CPF accounts as a Self-Employed Person. The digital service may take you 5 minutes to complete.

Apply Online


Top-up to MediSave Account for Self-Employed Person

​FORM CPF SE 3

This form allows you to make mandatory contributions to your MediSave Account as a Self-Employed Person. The digital service may take you 5 minutes to complete.

Apply Online


Adjust Self-Employed Contributions

​FORM CPF SE 7A

This form allows you to apply for adjustment of your self-employed contributions. The digital service may take you 10 minutes to complete.

Apply Online


Deregister Self-Employed Status

​FORM CPF SE 8

This form allows you to deregister as a Self-Employed Person. The digital service may take you 5 minutes to complete.

Apply Online


Re-activate Existing GIRO Arrangement

​FORM CPF SE 19

This form allows you to re-activate your self-employed contributions GIRO arrangement with the Board.

Apply Online


Refund of CPF/MediSave Contributions by Self-Employed Person

​FORM CPF SE 20

This form allows you to apply for refund of your self-employed contributions. The digital service may take you 10 minutes to complete.

Apply Online


Appeal for Instalment Payments by Self-Employed Persons

​FORM CPF SE APPEAL

This form allows you to appeal for a GIRO instalment plan for your self-employed contributions. The digital service may take you 10 minutes to complete.

Apply Online


Declaration of Income as a Self-Employed Person

Self-Employed Person Income Declaration Form

This form allows you to declare your income as a Self-Employed Person. The digital service may take you 10 minutes to complete.

Apply Online


Terminate Direct Debit/GIRO (Self-Employed)

​FORM DDA/GIRO T

This form allows a self-employed person to terminate his GIRO arrangement for Mandatory and/or Voluntary Contributions. The digital service may take 5 minutes to complete.

Apply Online


Apply for GIRO for Mandatory MediSave Contributions or Voluntary Contributions

​FORM GIRO (SE/VC)

This form allows a Self-Employed Person/ Non Self-Employed Person to apply for GIRO arrangement to make Mandatory and/or Voluntary Contributions for himself or by another person on his behalf.

Apply Online

Download (PDF, 0.6MB)


Apply for CPF LIFE

FORM LID-APP(1)

This form allows you to select your CPF LIFE Plan and join CPF LIFE. The digital service may take you 5 minutes to complete.

Apply Online


Apply to Increase CPF LIFE Premium

​FORM LID-APP(1A)

This form allows you to increase your CPF LIFE premium. The digital service may take you 5 minutes to complete.

Apply Online


Apply to Start CPF LIFE Payout

​​FORM LID-DE2

This form allows you to start receiving your CPF LIFE monthly payout if you have previously deferred your payout. The digital service may take you 3 minutes to complete.

Apply Online


Apply to Defer CPF LIFE Payout

​FORM LID-DE1

This form allows you to defer your CPF LIFE monthly payout. The digital service may take you 3 minutes to complete.

Apply Online


Start Monthly Payouts and Change Bank Details under CPF Retirement Sum Scheme

FORM RSS30

This form allows you to start your monthly payouts under CPF Retirement Sum Scheme. The digital service may take you 5 minutes to complete.

Apply Online

Withdraw for immediate retirement needs

RWD-R55/e-Form

This form allows you to apply to make retirement withdrawals for immediate cash needs, and receive payment via PayNow almost instantly, or via Interbank GIRO. The digital service may take you 15 minutes to complete.

To receive payment via PayNow, please ensure that you have registered for PayNow and linked your bank account to your Singapore NRIC via your bank’s existing internet banking platform or mobile banking application.

Apply Online


Change Bank Details (For Withdrawal on Retirement or Reduced Life Expectancy)

FORM RWD78A

This form allows you to change your bank account details for:
- Withdrawals of CPF savings from age 55;
- Withdrawals of Housing Refund from sale/transfer of property;
- Monthly payouts;
- Silver Housing Bonus Scheme;
- Lease Buyback Scheme; and
- Withdrawals of CPF savings on Reduced Life Expectancy.

The digital service may take you 3 minutes to complete.

Apply Online


Withdraw my CPF on Reduced Life Expectancy due to medical conditions and Claim Home Protection Scheme Benefit

This form allows you to apply to withdraw some of your CPF savings earlier if you have a reduced life expectancy due to a medical condition, and claim Home Protection Scheme Benefit. The digital service may take you 10 minutes to complete.

Apply Online


Application to Commence Monthly CPF Deduction for Housing Loan of HDB Flat Financed with Bank Loan

​FORM HBL/3

This form allows you to commence your monthly CPF deduction for the housing loan of your HDB flat financed with bank loan.

Apply Online


Application to Use CPF Savings for Partial/Full Repayment of Housing Loan or Revision/Cessation of Monthly CPF Deduction of HDB Flat Financed with Bank Loan

FORM HBL/4

This form allows you to use your CPF savings for partial/full repayment of the housing loan or revise/cease your monthly CPF deduction for your HDB flat financed with bank loan.

Apply Online


Pay Housing Loan and/or Commence/Revise/Cease Monthly Instalment

PPS FORM 4B

This form allows you to use your CPF savings for partial/full repayment of the housing loan or revise/cease your monthly CPF deduction for your private property. The digital service may take you 5 minutes to complete.

Apply Online

Apply for/Adjust HPS Cover

FORM HPS/45

This form allows you to apply for a new HPS cover or adjust your existing HPS cover. The digital service may take you 5 minutes to complete.

Apply Online


Termination of Home Protection Scheme Cover

FORM HPS/45A

This form allows you to apply to terminate your HPS cover. The digital service may take you 5 minutes to complete.

Apply Online


Pay HPS Premium Shortfall

​FORM HPS/7

This form allows you to top up your CPF Ordinary Account (OA) to pay your HPS premium. The digital service may take you 5 minutes to complete.

Apply Online


Authorise the Use of Ordinary Account Savings for Insured’s HPS Premium

FORM HPS/7FM

This form allows you to authorise the Board to deduct your OA to pay the HPS premium of your spouse/parent/child/sibling, if the insured’s OA is insufficient for his/her premium payment.  The digital service may take you 5 minutes to complete.

Apply Online


Claim for Home Protection Scheme Benefit (Medical Grounds)

FORM HPS/IC​

This form allows you to file a claim under the Home Protection Scheme on medical grounds. The digital service may take you 10 minutes to complete.

Apply Online


Claim for Home Protection Scheme Benefit (Death)

​FORM HPS/D

This form allows you to file a claim under the Home Protection Scheme on death ground. The digital service may take you 10 minutes to complete.

Apply Online


Top Up to My/My Loved One's MediSave Account using CPF

This form allows you to top up to your own or your dependants’ MediSave Account for payment of MediShield Life premium. The digital service may take you 5 minutes to complete.

Apply Online

Change of Payer for MediShield Life Cover

This form allows you to pay your and/or your dependant's MediShield Life premiums using your MediSave Account. Your dependant must be your family member. The digital service may take you 10 minutes to complete.

Apply Online


Stop Premium Payment for Dependant(s)' MediShield Life Cover

This form allows you to stop premium payment for your dependant(s)’ MediShield Life cover. The digital service may take you 10 minutes to complete.

Apply Online


MediShield Life and CareShield Life Health Declaration for Permanent Resident Applicant

​MCLHD

This form allows Permanent Resident Applicants to declare their health status for the administration of the MediShield Life Scheme. The digital service may take 10 minutes to complete.

Apply Online


Suspension of MediShield Life Premium Collection

This form allows you to apply for Suspension of MediShield Life Premium Collection if you meet all the eligibility criteria stated in the form.

Apply Online


Application for Online Nomination

​This online nomination allows you to nominate your loved ones to receive your CPF savings in cash and authorises the CPF Board to disclose your CPF information upon your death. The digital service may take you 10 minutes to complete.

Apply Online

Application to Withdraw Deceased Member's CPF

​FORM CPF-D(1)

This form allows nominee to apply for withdrawal of deceased member’s CPF savings. The digital service may take 10 minutes to complete.

Apply Online


Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently

​FORM CPF-LM

This form allows CPF members leaving Singapore and West Malaysia permanently to apply for the withdrawal of their CPF savings.

Download (PDF, 1.4MB)


Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently (Child)

FORM CPF-LM(C)

This form allows the parent/legal guardian of a CPF member below 21 years of age and leaving Singapore and West Malaysia permanently to apply for the withdrawal of the member’s CPF savings.

Download (PDF, 1.3MB)


Application to Withdraw CPF by Malaysians Residing in West Malaysia

​FORM CPF-MC

This form allows Malaysians residing in West Malaysia to apply for the withdrawal of their CPF savings.

Download (PDF, 1.4MB)


Application to Withdraw CPF by Malaysians Residing in West Malaysia (Child)

FORM CPF-MC(C)

This form allows the parent/legal guardian of a Malaysian CPF member below 21 years of age and residing in West Malaysia to apply for the withdrawal of the member’s CPF savings on medical grounds.

Download (PDF, 1.2MB)


Change Payment Details (For Withdrawal on Non-Retirement Grounds)

​FORM WSD78A

This form allows you to change your payment details as a:
Nominee applying to withdraw a deceased member’s CPF savings; or
Member leaving/who has left Singapore permanently.

Download (PDF, 0.8MB)

Update Contact Information

This form allows a member to update his contact information and/or salutation that is registered with the CPF Board.

Apply Online


Instruction to Transfer Discounted Singtel Shares (Division of Matrimonial Assets)

​FORM INV/DMA-SDS

This form allows you to transfer your Discounted Singtel Shares from your CPF account to your ex-spouse’s CPF account under Division of Matrimonial Assets. The digital service may take you 5 minutes to complete.

Apply Online


Instruction to Transfer Sale Proceeds (Division of Matrimonial Assets)

​FORM INV/DMA-SP

This form allows you to transfer your CPF investment sale proceeds from your CPF account to your ex-spouse’s CPF account under Division of Matrimonial Assets. The digital service may take you 5 minutes to complete.

Apply Online

Use CPF Savings for Education Loan Scheme

​FORM AES/F1

This form allows you to apply to use CPF savings to pay for your tertiary education. The digital service may take you 5 minutes to complete.

Apply Online


Revoke the Use of CPF Savings for CPF Education Loan Scheme

​FORM AES/F3

This form allows you to revoke the authorisation for use of your CPF savings for education. The digital service may take you 3 minutes to complete.

Apply Online


Repay CPF Education Loan By Cheque

​FORM AES/F7

This form allows you to make repayment for your outstanding education loan. The digital service may take you 5 minutes to complete.

Apply Online


Apply to Defer Repayment under CPF Education Loan Scheme

​FORM AES/D1

This form allows you to defer your education loan repayment. The digital service may take you 10 minutes to complete.

Apply Online


Apply for Waiver of Repayment Of CPF Savings Withdrawn Under The CPF Education Loan Scheme

​FORM AES/W1

This form allows you to apply to waive the education loan repayment. The digital service may take you 5 minutes to complete.

Apply Online


Repay Education Loan Using GIRO

FORM ​EDN/GIRO

This form allows you to apply for GIRO arrangement for your monthly education repayment.

Apply Online

Download (PDF, 0.4MB)