CPFB | Making a CPF nomination

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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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

View nomination details

CPF members making a nomination online so that their loved ones can benefit

Benefits

Why make a CPF nomination

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.

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.

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

When to nominate

When to make or review a nomination

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.

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

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.

How it works

Understanding what’s involved in nominations

How nomination works

What a nomination covers

CPF savings* in your Ordinary, Special, MediSave, and Retirement Accounts
CPF LIFE unused premiums
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.

What isn’t covered under a nomination

Properties bought using your CPF savings
Payout from Dependants’ Protection Scheme (DPS)
Investments made under CPF Investment Scheme

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

What to consider

Things to note before making a nomination

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.

You can view the video guide for more information on being a witness for a CPF nomination online.

Allowing your loved ones to access your CPF account information upon demise

To bring greater convenience to you and your loved ones, your nominees and eligible family members under intestacy laws will be able to access your CPF account information upon your demise.

This will make it easier for your loved ones to reconcile your CPF account information and settle post-demise matters relating to your CPF account.

Your CPF account information remains confidential while you are alive.

Learn more

Member thinking about CPF nomination details

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

You can visit any ServiceSG Centre to seek assistance in making an online nomination. Click here for the list of ServiceSG Centres locations and its operating hours.

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