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Type of top-ups

Method

Normal Processing time

Processing

Deduction and Crediting

Cash

One-time cash top-up via:

• PayNow QR
• OCBC Digital (CPF Mobile app only)

In general, almost instantly

Recurring cash top-ups via GIRO

(participating bank users)

• Upon successful application to set up GIRO to make cash top-ups, your GIRO bank account will be updated in the Board's record.
• In general, the deduction will start from the following month after your recurring arrangement is successfully processed.
• If you are updating your GIRO bank account, find out more on the GIRO deduction for your existing recurring top-up arrangements.

• We will deduct the monies from your bank account on the 15^th of the month (or the next working day if 15^th falls on a Saturday, Sunday or Public Holiday).
• In general, your top-up will be credited within seven working days after we receive your payment.
• Note: Please ensure that you maintain sufficient funds in your bank account for GIRO deductions. Some banks may charge an administrative fee for each unsuccessful deduction.

CPF transfer

 One-time CPF transfer

In general, processed within the same day.

However, a longer processing time may be required for certain transfers, such as first-time transfers to loved ones, as checks to verify relationships will need to be conducted. The processing time for such scenarios is generally five working days upon receipt of application. 

Recurring CPF transfers to self for members aged 55 and above

Monthly CPF transfers will take effect from the 18th of the following month upon successful application.