While both measures effectively disable online CPF withdrawals, the CPF Safety Switch also prevents online access to your CPF account and stops all disbursements to your registered bank account from our records.
Hence, we encourage you to only activate the CPF Safety Switch if you suspect you have fallen victim to a scam. Doing so will immediately cease any unintended monetary outflows and prevent informational loss in the event that your Singpass has been compromised.
If you wish to protect yourself against scams and do not need to withdraw immediately, consider activating the CPF Withdrawal Lock instead which will allow you to maintain your online access to your CPF account.
Table: Summary of differences between CPF Safety Switch and CPF Withdrawal Lock
| Features | CPF Safety Switch | CPF Withdrawal Lock |
| CPF Online Services | Disabled | Available |
CPF Withdrawals
| Blocked | Blocked |
| Other e-Services | Disabled | Available |
| CPF Contributions and recurring payments to third-party organisations | Available | Available |
| Intended use | For members who suspect they have fallen victim to scam
- Disable online access to CPF account and CPF Mobile
- Stops in-progress CPF withdrawals
- Prevent disbursements to registered bank account
| Disable online withdrawals |
| Deactivation timeline | Three to five working days | 12-hour cooling period |
| How to deactivate | Can only be deactivated with the assistance of a CPF staff over a call via CPF hotline or at CPF Service Centre | Increase Daily Withdrawal Limit via Account settings (may require enhanced authentication) |
