• CPF Service Standards

    When you approach the CPF for any service, it is a good idea to know how much time the organisation would take to process your request. In this article we will talk about the time taken by the CPF to process different kinds of requests. These processing days are subject to you submitting completed forms and all supporting documents on time. The processing time does not count the time taken to verify the documents or claims, and if such an investigation is required, the service may be delayed. Processing is done during working days, which means Mondays to Fridays excluding public holidays.

    General services offered to members and employers include appointments, Club 55, and requests via phone/SMS/post/fax/email.

    General service Processing time
    Club 55 30 minutes
    Appointments 15 minutes of appointment time
    Phone enquiries Attend to call within 30 seconds
    SMS Return your call either the next working day, or within 2 working days
    Post or fax 4 working days from the date of receipt
    Email 3 working days from the date of receipt

    Service Standards For Salaried Members:

    General services for members include update of personal information, opting for eStatement, retrieving archived CPF data, standing instructions, etc.

    CPF matters Manual transaction Online transaction Comments
    Update of personal details for Singapore citizens/PRs 3 working days 2 working days  
    Update of personal details for foreigners 5 working days NA  
    Merging of CPF accounts 7 working days 5 working days  
    Application to retrieve archived CPF records (CPF statement of account) NA
    • For statements of the years after 1998: 4 working days upon receipt of payment
    • For statements of the period  1996 - 1998: Up to 13 working days
    If you pay via eNETS, the Board will receive your payment within 2 working days.
    Opt for annual eStatement NA Immediate Your next yearly statement will be sent to your email id.
    Request for information on deceased member’s CPF assets for estate duty 2 weeks/10 working days from the day of receipt of request NA The request and supporting documents should come from lawyers acting for member’s estate
    Voluntary CPF contribution for non self-employed persons 7 working days 2 working days  
    Acknowledge feedback on late/underpayment or omission of CPF contributions 4 working days 2 working days A case officer would be assigned to you.
    Update complainant on status of case 21 working days 21 working days If the CPF is unable to provide a conclusive update on the status of the case in the time specified, updates will be provided as and when there is further development.
    Standing Instruction for payment via Direct Debit/GIRO 3 working days 1 working day  
    Termination of Direct Debit/GIRO arrangement 3 working days 1 working day  

    Services Under Retirement Schemes:

    This part covers the services under CPF LIFE plans, Retirement Sum Scheme, Retirement Sum Topping-Up Scheme, and Withdrawal at 55 plan.

    Service Manual transaction Online transaction Comments
    Application for CPF LIFE Plan or Additional Annuity Processed in the same month if application is received by 21st of that month Processed in the same month if application is received by 25th of that month If application is not received by these dates, it will be processed the next month. Online application will be processed in the same month only if no bank information is required for the application, or if the bank account given has been used earlier to receive payouts under the Retirement Sum Scheme.
    CPF LIFE Monthly Payout
    • By 4th working day of the month if it is through Interbank GIRO (IBG)
    • By 14th working day of the month to Ordinary Account if IBG is not working or bank details are not given
    • By 4th working day of the month if it is through Interbank GIRO (IBG)
    • By 14th working day of the month to Ordinary Account if IBG is not working or bank details are not given
    You will start getting the payments in the month after your application is processed.
    Withdrawal application submitted on or after your 55th birthday 10 working days via either IBG or cheque 5 working days through IBG Applications submitted less than 7 working days before your 55th birthday in case of manual transaction and in less than 5 working days in case of online transaction, will adhere to this timeline.
    Withdrawal application submitted at least 7 working days before your 55th birthday in case of manual transaction and 5 working days in case of online transaction Within 2 working days after your birthday in case of IBG and within 5 working days after your birthday in case of cheque Within 2 working days after your birthday For telegraphic transfer, the payment will be made within 15 working days.
    Retirement Sum Scheme application to start monthly payouts from Retirement Account If submitted 5 working days before the end of a month, IBG will be credited by the 4th working day of the following month, and cheque will be dispatched by the 6th working day of the next month If submitted 3 working days before the end of a month, IBG will be credited by the 4th working day of the following month, and cheque will be dispatched by the 6th working day of the next month  
    Retirement Sum Scheme application to withdraw RA savings through sufficient CPF property charge Payment to registered bank account by the 7th working day from your 55th birthday or receipt of your application, whichever is later. In case of cheque, it will be posted to your registered residence address by the 12th working day NA You have to be 55 years old and have a Retirement Account for this service to be processed.
    Application to pledge HDB property under Retirement Sum Scheme HDB will be contacted for verification of the property within 5 working days after receipt of the application, and payment will be made to registered bank account by the 7th working day after verification. Cheque will be posted to registered residence address by the 14th working day. HDB will be contacted for verification of the property within 4 working days after receipt of the application, and payment will be made to registered bank account by the 7th working day after verification. Cheque will be posted to registered residence address by the 14th working day. You have to be 55 years old and have a Retirement Account for this service to be processed.
    Application to pledge private property under Retirement Sum Scheme You will be contacted for verification of the property within 10 working days of receipt of application. Payment through IBG will be made by the 7th working day after the Statutory Charge is launched. Cheque will be dispatched by the 14th working day. You will be contacted for verification of the property within 10 working days of receipt of application. Payment through IBG will be made by the 7th working day after the Statutory Charge is launched. Cheque will be dispatched by the 14th working day. You have to be 55 years old and have a Retirement Account for this service to be processed. Statutory Charge needs to be lodged by the Singapore Land Authority (SLA) after checks on title deeds and bankruptcy first. The CPF will arrange an appointment with SLA for you.
    Application for exemption from Retirement Sum Scheme IBG payment will be processed within 7 working days after verification of information on your Pension/Annuity policy. Cheque will be sent within 14 working days. NA  
    Application to make a top-up to your own/recipient’s Special or Retirement Account under the Retirement Sum Topping-Up Scheme Top-up will be done in 7 working days Top-up will be done in 5 working days  
    Application to transfer Ordinary Account savings to Special Account NA Immediate  

    Services Under Housing Schemes:

    This part covers services under the Public Housing Scheme, Private Properties Scheme and Home Protection Scheme.

    Public Housing Scheme services Manual transaction Online transaction Comments
    Application to use CPF savings to buy an HDB flat financed with HDB loan 5 working days 3 working days  
    Request to stop CPF monthly deductions for HDB flats financed with HDB loan 4 working days 1 working day  
    Refund of CPF savings utilised for your HDB-loan apartment when the house is sold 5 working days 1 working day  
    Refund of excess CPF savings used for your HDB-loan flat 7 working days 1 working day  
    Application to use CPF savings to buy an HDB flat financed with bank loan 15 working days NA This includes verification time.
    Application to use CPF savings to refinance an HDB flat 10 working days NA  
    Request to begin CPF monthly deductions for HDB flats financed with bank loan 7 working days 5 working days  
    Request to revise or stop CPF monthly deductions for bank loan-HDB flats 7 working days 1 working day The deduction will be done between the 10th and 13th of each month.
    Request to pay arrears or lump-sum payment for bank loan-HDB flats 7 working days 3 working days  
    Request to fully repay housing loan for bank loan-HDB flats 7 working days 5 working days  
    Request to use CPF savings to buy recess area for HDB flats financed with bank loan 7 working days NA  
    Refund of CPF savings used on for your bank-loan HDB flat when the flat is sold 5 working days NA  
    Refund of excess CPF savings used for your HDB flat financed with bank loan 7 working days 1 working day  
    Private Properties Scheme services Manual transaction Online transaction
    Application to use CPF savings to buy private property NA 3 working days
    Application to use CPF savings to construct private property NA 3 working days
    Request to change CPF Letter Of Approval for private property NA 3 working days
    Request to release CPF savings to buy private property NA 2 working days 5 working days if the request involves transfer of funds from RA to OA
    Request to begin CPF monthly deductions for private property 7 working days 3 working days
    Request to revise or stop CPF monthly deductions for private property 7 working days 1 working day
    Request to pay arrears or lump-sum payment for private property 7 working days 3 working days
    Request to fully repay housing loan for private property 7 working days 5 working days
    Refund of CPF savings if excess payment was made for housing loan by financier 7 working days 1 working day
    Refund of CPF savings used on private property when the house is sold 5 working days NA
    Home Protection Scheme services Manual transaction Online transaction Comments
    Application for Home Protection Scheme (HPS) cover or adjustment to HPS cover 7 working days 5 working days The service will be begun only after your loan information is received from your mortgagee
    Termination of HPS cover 7 working days 5 working days  
    HPS application for topping-up cover for self or spouse 7 working days 5 working days  
    Application for exemption from the HPS 7 working days 5 working days The service will be begun only after your policy details are received from insurer(s) & loan details from mortgagee(s).
    Application to claim for HPS benefits on the ground of death 7 working days 5 working days After receiving your application and supporting documents, the CPF will write to the relevant organisations/medical institutions to obtain the required information within 7 working days. The service will commence after this information is obtained.
    Application to claim for HPS benefits on Medical Ground 7 working days 5 working days After receiving your application and supporting documents, the CPF will write to the relevant organisations/medical institutions to obtain the required information within 7 working days. The service will commence after this information is obtained.
    Request for reprint of HPS Certificate NA 7 working days  

    Services Under Healthcare Schemes:

    This part covers the services under Medisave Account and MediShield Life scheme.

    Healthcare services Manual transaction Online transaction Comments
    Medisave NA Within 3 working days The bills will be paid after receiving the claim from the hospital.
    Reimbursement from Employers/Insurers to Medisave Reimbursement will be credited within 14 working days from the date of receipt of all documents Reimbursement will be credited within 5 working days from the date of receipt of all documents  
    MediShield Life claims NA Within 7 working days The bills will be paid after receiving the approved claim from the hospital.
    Change of payer for MediShield Life cover 7 working days 3 working days  
    Top up Medisave for MediShield Life premium Up to 10 working days 1 working day  
    Stop premium payment for dependant(s)’ MediShield Life cover 7 working days 3 working days  
    Health Declaration for new Permanent Residents applicants under MediShield Life scheme Acknowledgement letter will be sent within 10 workings days from receiving completed form NA  
    Use Medisave to pay outstanding MediShield Life premiums 7 working days 3 working days  

    Services Under Investment Schemes:

    This part covers the services under CPF Investment Schemes.

    Investment Manual Transaction E-Transaction Comments
    Application for withdrawing CPFIS investments Within 3 working days from the day of receipt Within 1 working day from the day of receipt The processing time is to notify your agent bank and/or product providers. The release of money will be effected by them. Subject to you meeting the withdrawal conditions.
    Application for the withdrawal of Special Discounted Shares Within 15 working days from the date of receiving application form and CDP transfer fee Within 15 working days from the date of receiving application form and CDP transfer fee Includes processing time of the Central Depository Ltd. Subject to you meeting the withdrawal conditions.
    Request to update stock/gold limit Agent banks will be updated within 2 working days from the date of receipt Agent banks will be updated within 2 working days from the date of receiving e-Concierge request  
    Application for transfer of CPF Investments Sale Proceeds  (Division of CPF-Related Matrimonial Assets) Within 10 working days from the date of receiving the application form.   Subject to the credit of the investment sale proceeds to the CPF Account.
    Application for transfer of Special Discounted Shares  (Division of CPF-Related Matrimonial Assets) Within 15 working days from the date of receiving application form and CDP transfer fee, or opening of investment account by the Transferee with an agent bank, whichever is later. Within 15 working days from the date of receiving e-Concierge request and CDP transfer fee, or opening of investment account by the Transferee with an agent bank, whichever is later.  

    Services Under Other Schemes:

    This part includes the CPF Nomination Scheme, CPF Withdrawals on Other Grounds, CPF Education Scheme and other matters.

    Nomination Manual transaction Online transaction
    Request to view nomination details online NA 4 working days
    Make a nomination 4 working days upon receipt NA
    Request to revoke existing nomination(s) 4 working days upon receipt NA
    CPF withdrawal services Processing time Comments
    Application for withdrawal in case of death
    • If there is no valid nomination, the CPF amount of the deceased will be transferred to the Public Trustee within 15 working days from the date when the Board is notified of the member’s death.
    • If there is a valid nomination, the CPF will invite the nominees to apply to claim the deceased member’s CPF within 15 working days from the date the Board is notified of the member’s death.
    • Once application is received, IBG transfers will be made within 15 working days and non-IBG transfers within 20 working days.
    • In case Discounted SingTel Shares were part of the deceased member’s investments, then the process will be extended by 7 working days.
    For nominees who are exempted from filing an application, cheque will be dispatched within 5 weeks from the date the Board is notified of the member’s death.
    Application for withdrawal on medical grounds The CPF will request a medical report from doctors within 7 working days. Thereafter the application will be processed within 7 working days.  
    Application for updating of bank details 5 working days  

    All these processes are excluding the time taken for transmission of funds, which is 2 working days for IBG, 5 to 12 working days for telegraphic transfer, and 5 working days for cheque.

    CPF Education Scheme services Manual Transaction Online Transaction Comments
    Application to use CPF for education 21 working days upon receipt of application and confirmation with institution.
    • In principle approval: 1 working day after submission
    • Final approval: 1 working day upon confirmation of student data from institution
     
    Cancel use of CPF for education NA 1 working day  
    Repay education loan 14 working days 2 working days  
    Change my monthly instalment rate NA 1 working day  
    Apply for deferment 21 working days 1 working day  
    Waive the repayment by children 14 working days
    • Up to 2 working days
    • Up to 8 working days if the application is submitted during the monthly Inter-Bank GIRO (IBG) deduction period (from the 15th to 23rd of each month)
     
    Revoke use of CPF for education 14 working days
    • 2 working days
    • If applications are submitted during peak period (new academic semesters, when the number of applications for use of CPF savings for tuition fees mounts), they will take up to 7 working days.
     
    Change of Guarantor 14 working days
    • 2 working days
    • If applications are submitted during peak period, they will take up to 7 working days.
    This is only applicable for applications done before April 1, 2005.

    Service Standards For Self-Employed Persons:

    This part includes Medisave contributions and voluntary contributions, among others.

    Self-Employed Manual Transaction E-Transaction
    Registration for CPF/Medisave contributions by self-employed persons 4 working days 2 working days
    Application/Cancellation of voluntary contribution for self-employed persons 2 working days 1 working day
    Appeal for instalment payments for self-employed persons 15 working days 12 working days
    Declaration of non self-employed status 4 working days 2 working days
    Refund of excess CPF/Medisave contributions by self-employed persons 15 working days 12 working days
    Adjustment of CPF contributions from firm's account to a self-employed person's account 15 working days 12 working days
    Contribution to 3 CPF accounts by self-employed persons 7 working days 2 working days
    Contribution to Medisave Account by self-employed persons 7 working days 2 working days
    Income declaration by self-employed person for computation of CPF Medisave liability 10 working days 8 working days

    Service Standards For Employers:

    This part deals with services that are availed by employers, such as CPF contribution and refund, applications to change CPF contribution rates, etc.

    Services availed by employers Manual transaction Online transaction Comments
    Application for Submitting CPF Contribution Details Not applicable 2 working days  
    Joint application by employer and Singapore Permanent Resident to contribute CPF at higher rates 7 working days Not applicable  
    Change of employer's particulars 3 working days 2 working days  
    Request for past Record of Payment 10 working days 5 working days  
    Conversion to CPF e-Submission (Employers) Service 3 working days 3 working days Additional time – up to 21 working days – is needed to for the bank to approve the Direct Debit Authorisation application.
    Notifying employers on their rejected 'live' e-submissions NA 1 working day  
    Refund of CPF contributions in case the Board has collected a higher amount 5 working days 3 working days Processing time excludes the time taken by the bank to credit the amount to bank account
    Adjustment of employer's CPF payment 10 working days 4 working days  
    Crediting of payment for CPF, late CPF interest and composition offer 7 working days 3 working days  
    Crediting of payment for processing fees 5 working days 3 working days  
    Refund of Foreign Worker Levy (business/domestic employer) 15 working days 12 working days Application for waiver of levy involving the current month can only be processed in the following month after the levy record for the current month is updated.
    Waiver of Foreign Worker Levy (business employer) 15 working days 12 working days
    Waiver of Foreign Worker Levy (domestic employer) 15 working days 10 working days
    Standing Instruction for CPF contribution payments via direct debit 3 working days NA  
    Termination of Direct Debit/GIRO arrangement 3 working days 1 working day  

    Please note that the above standards are subject to change depending on additional verifications and investigations required if your papers/payment is not in order.

    For information about the fees and charges for various CPF services, check out this article. 

    Central Provident Fund
    CPF Withdrawals
    CPF Schemes
    CPF Accounts
    CPF Articles
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