Both the CPF Safety Switch and the CPF Withdrawal Lock block online CPF withdrawals. They serve different purposes, so it's important to choose the right one.
CPF Safety Switch
Use this if you think you've been scammed or your Singpass has been compromised. It acts immediately by:
- blocking all online access to your CPF account.
- de-registering your registered bank account in CPF Board’s records.
- stopping any withdrawals or payments already in progress.
To deactivate, call the CPF hotline or visit a CPF Service Centre in person. CPF Board staff will verify your identity first. This takes three to five working days.
CPF Withdrawal Lock
Use this to protect your CPF savings if you don't need to withdraw right now. It sets your daily withdrawal limit to $0. Your online access stays active.
To withdraw again, increase your
Daily Withdrawal Limit in your account settings. Enhanced authentication may be required. There is a 12-hour cooling period before the change takes effect.
Summary of differences
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Features
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CPF Safety Switch
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CPF Withdrawal Lock
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CPF Online Services
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Disabled
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Available
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CPF Withdrawals
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Blocked
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Blocked
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Other e-Services
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Disabled
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Available
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Registered Bank Account
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De-registered
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Available
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CPF Contributions and recurring payments to third-party organisations
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Available
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Available
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Intended use
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For members who suspect they've been scammed
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To block online withdrawals by setting the Daily Withdrawal Limit to $0
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Deactivation timeline
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Three to five working days after identity verification
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12-hour cooling period
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How to deactivate
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Call the CPF hotline or visit a CPF Service Centre in person
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Increase your Daily Withdrawal Limit in your account settings
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