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 * CPF nomination

 1. Account services

ACCOUNT SERVICES


MAKE A CPF NOMINATION

Decide who receives your CPF savings and how much each person gets upon your
demise.

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 1. Overview
 2. Benefits
 3. When to nominate
 4. How it works
 5. What to consider
 6. Application
 7. Resources
 8. FAQs
 9. Articles



Overview
 * Overview
   Overview Benefits When to nominate How it works What to consider Application
   Resources FAQs Articles

Overview Benefits When to nominate How it works What to consider Application
Resources FAQs Articles
Overview


PEACE OF MIND FOR YOU AND YOUR LOVED ONES


Make a nomination

Decide how your CPF savings will be distributed when you pass on.

Make a nomination

View your nomination details

Log in with your Singpass to check your nomination details.

 

View nomination details



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Benefits


WHY MAKE A CPF NOMINATION


1
You decide who gets your CPF savings

With a CPF nomination, your CPF savings will be distributed to your nominees,
 according to your wishes.

 

Without a CPF nomination, your CPF savings will be distributed by the Public
Trustee’s Office to your family members  based on the intestacy laws or Muslim
Inheritance Certificate. You cannot decide which family member will receive your
savings or how much they will receive.



2
Fast and convenient distribution of your CPF savings

A CPF nomination allows your nominees  to claim your savings quickly and
conveniently.

Without a CPF nomination, it can take up to six months for the Public Trustee’s
Office to identify which of your family members are eligible to claim your
savings.



3
No extra costs to distribute your CPF savings to your nominees

Making a CPF nomination is free. Your nominees will not be required to pay any
charges to claim your CPF savings when you pass on.

Without a CPF nomination, the Public Trustee's Office will deduct an
administrative fee from your CPF savings before distributing to your family
members based on the intestacy laws or your Muslim Inheritance Certificate.

Make a nomination now


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When to nominate


WHEN TO MAKE OR REVIEW A NOMINATION


1
When you should make a CPF nomination

You should make a CPF nomination as soon as you start working and building up
your CPF savings. In fact, you can make a nomination once you turn 16.



2
Review your CPF nomination regularly

After making your nomination, review your nomination regularly so that it can
continue to meet your intention especially at major milestones like:

 * Marriage
 * Child birth
 * Divorce
 * Death of a nominee

 

 

View nomination details


3
Marriage will revoke your CPF nomination

Upon marriage, any existing CPF nomination will be revoked. This allows you to
make provisions taking into account the change in your family nucleus.

Do make a new CPF nomination after you get married so that your CPF savings can
be distributed according to your wishes.

 

On the other hand, divorce will not revoke your nomination.

Make a nomination now


Quick tip

Make it a yearly reminder to review your CPF nomination at the start of the
year.



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How it works


UNDERSTANDING WHAT’S INVOLVED IN NOMINATIONS

HOW NOMINATION WORKS

What a nomination covers
 1. CPF savings* in your Ordinary, Special, MediSave, and Retirement Accounts
 2. CPF LIFE unused premiums
 3. Discounted Singtel shares

 

* CPF savings cannot be included in your will because they do not form your
estate. This arrangement protects your CPF savings from creditor claims on any
outstanding debts you may have, and preserves your savings fully for your
nominees or family members.



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What isn’t covered under a nomination
 1. Properties bought using your CPF savings
 2. Payout from Dependants’ Protection Scheme (DPS)
 3. Investments made under CPF Investment Scheme



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Distribution of your CPF savings

Upon your demise, CPF Board will get in touch with your nominees to facilitate
the distribution of your CPF savings. Your CPF savings will be distributed to
them in cash.

 

If you don’t have a nomination, your CPF savings will be transferred to the
Public Trustee’s Office for them to distribute to your beneficiaries in
accordance with the intestacy laws.


Learn more




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What to consider


THINGS TO NOTE BEFORE MAKING A NOMINATION

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Who should receive your CPF savings and how much

You’ll need to decide on your nominees and the percentage of your CPF savings
each nominee should receive.

 

You can specify anyone as a nominee, including people who don’t have a CPF
account.

   

 


Witnesses for your nomination

Disputes on who should receive your CPF savings may sometimes arise after you
have passed on. That is why you have to appoint two witnesses who can attest
that you have made your nomination willingly and consciously. Your witnesses
cannot be your nominee or an organisation.


Disclosure of CPF account information

Upon your demise, your next-of-kin may want to know how much CPF savings you
have accumulated, who you have nominated to receive them and how much. 

 

To protect your privacy, only your nominees will be informed of the amount they
will receive. They will not know how much CPF savings you have in total, or who
else you have nominated to receive your CPF savings. 

 

This protects your privacy but can sometimes result in unhappiness. To avoid
this, you may choose to authorise specific persons to access your CPF account
information upon your demise. Without this explicit authorisation, your account
information and nomination decisions will not be revealed.

 

Learn more



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Application


MAKING A CPF NOMINATION IS A SIMPLE AND EASY PROCESS

Nominate online

You’ll need:

 * Your Singpass
 * Your nominees’ NRIC or Foreign Identification Number (FIN), mailing address,
   and email address
 * Two witnesses, their NRIC or FIN, mailing address, email address and
   Singapore-registered mobile phone number

 

Make online nomination

Nominate in-person

Remember to:

 * Book an appointment at least one working day before visiting us
 * Bring along your NRIC or passport, and photocopies of your nominees’
   identification documents
 * Complete your CPF nomination form in the presence of two witnesses. Our
   Customer Service Executives can act as your witnesses

Make an appointment


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Resources


NEED MORE INFORMATION?

Losing a Loved One: A Guide to CPF Matters (PDF, 432KB)

View the infographic on "Losing a Loved One: A Guide to CPF Matters"

CPF Nomination: A guide to planning the distribution of your CPF savings (PDF,
0.8MB)

Read the online brochure for key information on CPF nomination matters

Videos

Your guide to making a CPF nomination online

Show all

FAQs


COMMON QUESTIONS

Do I have to update or change my CPF nomination record when there are changes to
my circumstances (e.g. marriage, child birth, divorce, death of my nominee)?
Can I change my CPF nomination? Is there a limit to the number of times I can
change my nomination?
My nominees have changed their personal particulars (e.g. names, addresses or
passport numbers). Do I need to update the changes in my CPF nomination?
View all
Articles


RELATED READS

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YOUR GUIDE TO MAKING A CPF NOMINATION ONLINE

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WHY TALK TO YOUR PARENTS ABOUT CPF NOMINATION

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should do it anyway.

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WHY TALK TO YOUR PARENTS ABOUT CPF NOMINATION

It can be difficult and awkward to start the conversation, but here’s why you
should do it anyway.

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HOW TO MAKE A CPF NOMINATION

Confused about how to make a CPF nomination? Here’s what you need to know to
make the process as quick and easy as possible!

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View all

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