Financial matters after the passing of a loved one are often stressful and confusing. Without clear instructions, families can face delays and unexpected challenges in accessing vital funds, causing additional emotional and financial strain.
Understanding CPF nomination under the Central Provident Fund Act can significantly ease these difficulties. However, it’s crucial to be aware that CPF nominations, similar to wills, are not automatically revoked by divorce, as highlighted by recent clarifications from the government. A CPF nomination clearly specifies who will receive your CPF savings upon your death, removing uncertainty and speeding up the distribution process.
This article provides everything you need to know about CPF nominations, guiding you step-by-step to ensure your savings reach the people you care about most, quickly and smoothly.
What Is CPF Nomination?
A CPF nomination is a legal instruction that lets you decide who should receive your CPF savings after your death. It ensures your CPF monies go directly to the people or organisations you choose, rather than being distributed under intestacy laws.
Your CPF nomination applies only to specific assets held within your CPF accounts. These include:
- Ordinary Account (OA)
- Special Account (SA)
- Medisave Account (MA)
- Retirement Account (RA)
- Unused CPF LIFE premiums
- Discounted SingTel shares
These savings do not form part of your estate and cannot be included in your will. CPF savings are handled separately from other personal assets.
However, not everything linked to CPF is covered. The following are excluded from a CPF nomination:
| Not Covered by CPF Nomination | What Happens |
| Properties bought with CPF savings | Distributed as part of your estate |
| Dependants’ Protection Scheme (DPS) | Paid out by insurer to nominees or legal claimants |
| CPFIS-OA & CPFIS-SA investments | Handled according to investment account rules |
Making a CPF nomination gives you control and helps avoid delays for your loved ones.
Why Make A CPF Nomination?
1. You Decide Who Gets Your CPF Savings
A CPF nomination gives you the power to choose exactly who receives your CPF savings when you pass away. You can also decide how much each person gets.
Without a nomination, your CPF savings are distributed by the Public Trustee’s Office based on intestacy laws or Muslim inheritance rules. You won’t have a say in who gets what—even if it goes against your personal wishes.
2. Peace Of Mind For You And Your Loved Ones
When you’ve made a CPF nomination, you can rest easy knowing your savings will go to the right people. Your loved ones will know that you’ve made your intentions clear.
They won’t have to worry about legal processes, uncertainty, or disagreements. It also eases their emotional burden during an already difficult time.
3. Faster Distribution Of CPF Savings
CPF nominations speed up the payout process. The CPF Board usually contacts your nominees within 10 working days of being notified of your death.
Without a nomination, your family must go through the Public Trustee’s Office. The process can take up to six months, depending on how quickly your eligible family members can be identified and submit documents.
4. No Extra Charges For Your Nominees
Making a CPF nomination is completely free. When your nominees claim your CPF savings, they receive the full amount—there are no deductions or fees.
But if you haven’t made a nomination, the Public Trustee charges an administrative fee before releasing your CPF monies. The larger your CPF balance, the higher the fee.
5. Your Wishes, Not Just The Law
The law distributes CPF savings in fixed shares. It won’t consider personal circumstances—like wanting to give more to a caregiver or excluding someone you’re no longer close to.
A CPF nomination lets you honour personal relationships, not just legal defaults. It’s your chance to make your intentions clear and respected.
Who Can Make A CPF Nomination?
Any CPF member who is at least 16 years old and has mental capacity can make a CPF nomination. This includes individuals with disabilities and even those who are bankrupt.
Being bankrupt does not affect your ability to nominate. Your CPF savings are legally protected and cannot be seized by creditors or the Official Assignee.
If you are critically ill, it’s best to have a doctor present during the nomination. The doctor can issue a certificate confirming that you are mentally fit to make the decision. This helps protect your nomination from being challenged later.
Here’s a quick overview:
| Category | Requirements |
| CPF members | Must be at least 16 years old |
| Bankrupt individuals | Yes — CPF savings are creditor-protected |
| Persons with disabilities | Yes — physical disability does not disqualify |
| Critically ill individuals | Yes, but medical certificate is strongly recommended |
To avoid complications, it’s recommended to make your CPF nomination early, while you’re still in good health and fully capable.
Who Can Be A Nominee?
1. Individuals
You can nominate any person to receive your CPF savings. This includes family members, friends, or other individuals, regardless of their nationality or whether they have a CPF account. Even foreign residents can be nominated.
If you’re nominating someone who lives overseas, be sure to provide their full name, identification number, and mailing address. This helps the CPF Board contact them without delay.
When a nominee is under 18 years old at the time of claim, their share won’t be paid out immediately. Instead, the Public Trustee will hold the funds in trust until the nominee turns 18. The savings will continue to earn interest, but a small fee is deducted based on the interest earned.
Here’s how the fee is calculated:
| Interest Earned | PTO Administration Fee |
| First $1,000 | 5.50% |
| Next $1,000 | 4.50% |
| Next $1,000 | 3.50% |
| Above $3,000 | 2.25% |
If the nominee lives in another country, there could be inheritance taxes or legal implications depending on the local laws. It’s a good idea to seek legal or tax advice in that country before finalising your nomination.
2. Organisations
You’re not limited to individuals. You can also nominate an organisation to receive your CPF savings. This could be a registered charity, a religious group, a non-profit, or even a company.
To qualify, the organisation must be a legal entity that can receive and manage funds in its own name. This includes:
- Registered companies
- Societies listed under the Societies Act
- Limited liability partnerships
If you’re unsure whether an organisation qualifies, you can check through the Registry of Societies or ACRA’s BizFile+ platform.
Limits On Number Of Nominees
You can include more than one nominee, and there’s no official cap. However, if you’re using the online nomination service, you can list up to 15 nominees. If you want to nominate more than that, you’ll need to do it in person at a CPF Service Centre.
What If A Nominee Passes Away?
If a nominee dies before you and you haven’t updated your nomination, their share will be automatically split among your surviving nominees. The shares will be adjusted based on the original percentages you assigned.
If all of your nominees have passed away and no new nomination is made, your CPF savings will be distributed according to Singapore’s intestacy laws or the relevant Muslim inheritance rules.
Will Anyone Know Who Are My CPF Nominee(s)?
CPF nominations are kept strictly confidential. When you make a nomination, CPF Board does not inform your nominees or share any details with your family or the public.
Even if someone suspects they have been nominated, they cannot confirm this by asking CPF Board. There is no way for others to check if they are listed as a nominee while you are still alive.
After your passing, CPF Board will reach out directly to the nominees you named. This contact is made only for the purpose of distributing your CPF savings.
If you wish, you can give CPF Board written permission to disclose your nominee information to specific people after your death. Without this authorisation, the details remain private.
3 Types Of CPF Nominations
1. Cash Nomination
This is the most common option and also the default if you don’t choose one. In this case, your savings will be disbursed directly to your nominee in the form of a cash payout. It’s a straightforward way to pass on your savings, especially if the person you’re nominating isn’t actively using their CPF account.
2. Enhanced Nomination Scheme (ENS)
With this option, your CPF savings are paid directly into your nominee’s CPF account instead of being given out in cash. This allows your nominee to use the funds for housing, healthcare, education, or their own retirement needs. It’s a good choice if your nominee is likely to benefit from having more in their CPF for the long run.
3. Special Needs Savings Scheme (SNSS)
SNSS is specially designed for parents of children with special needs. Instead of giving out the CPF savings all at once, this scheme provides regular monthly payouts to your child. It offers a more structured and sustainable way to support them financially over time.
Here’s a quick comparison:
| Nomination Type | How the Money Is Paid | Ideal For |
| Cash | Bank transfer or cheque | One-time cash support |
| Enhanced Nomination Scheme | Credited to nominee’s CPF account | Supporting long-term CPF use |
| Special Needs Savings Scheme | Monthly payouts to child with special needs | Ongoing, managed financial support |
Each type serves a different purpose, so it’s worth thinking about what works best for the people you care about. If you’re unsure, you can speak to a CPF officer or revisit your choice later—it’s always possible to update your nomination.
How To Make A CPF Nomination In Singapore
Making a CPF nomination is a simple process, and you can do it either online or in person. Both methods are free, and you’ll need two eligible witnesses to complete the nomination.
Step 1: Decide Who To Nominate
Before you start, think about who you want to receive your CPF monies. You can include individuals or organisations, and you’ll need to assign a specific portion of your savings to each one.
Make sure the total adds up to 100%. If you have many beneficiaries, you may want to write this down in advance for easy reference.
Step 2: Prepare Your Witnesses
You need two people to act as your witnesses. They must:
- Be at least 21 years old
- Be mentally sound
- Not be one of your nominees
If you’re nominating online, both witnesses must also have valid Singpass accounts. If you’re going to a CPF Service Centre, the staff there can act as your witnesses, so you won’t need to bring your own.
Step 3: Choose How To Submit
| Method | How It Works |
| Online | Login to the CPF website using your Singpass and complete the nomination form. |
| In Person | Book an appointment at a CPF Service Centre and complete the form on-site. |
Online Nomination:
You’ll need the following:
- Your Singpass
- Nominees’ names, NRIC numbers, and contact details
- Witnesses’ names, NRIC numbers, and contact details
Once submitted, CPF Board will send a message to your witnesses. They’ll have 7 days to confirm your nomination online. They won’t see your nomination details—only the confirmation request.
When both witnesses respond, CPF Board will process your nomination and notify you of the outcome by SMS or email.
In-Person Nomination:
Make an appointment at least one working day ahead. Bring along:
- Your NRIC or passport
- Nominees’ NRIC details and contact information
- Witnesses’ details (if you’re not using CPF staff)
The staff can walk you through the form and answer any questions. They’ll also act as your witnesses if needed.
CPF will usually process your nomination within 4 working days. Once approved, you’ll receive a confirmation from the Board. Whether you do it online or in person, the process is secure, confidential, and designed to be as convenient as possible.
Managing And Reviewing Your CPF Nomination
When To Review Your Nomination
A CPF nomination isn’t something you set and forget. It should be reviewed whenever there are major changes in your personal life. This helps ensure your savings go to the right people.
Here are common life events that should prompt a review:
- Marriage (this automatically cancels your previous CPF nomination)
- Divorce (your nomination remains unless you change it)
- Birth or adoption of a child
- Death of a nominee
- Remarriage after divorce (this revokes earlier nominations)
Even if none of these events occur, it’s still good practice to check your nomination details every few years.
How To Check Your CPF Nomination
You can log in to my cpf Online Services using Singpass to view your current nomination. This allows you to confirm who you’ve nominated and how your savings are allocated.
Alternatively, you can use the My Legacy Vault to view and share your CPF nomination details securely with trusted people, like your family or legal advisor.
If your details are not visible online, you can submit a request under the “My Requests” section of the CPF site.
Updating Or Changing Your Nomination
If you want to make changes to your CPF nomination, you must submit a new one. This will replace the earlier version completely.
You can update your nomination by:
| Method | What You’ll Need |
| Online | Singpass login, nominee details, and witness information |
| In person | Visit a CPF Service Centre with your NRIC and nominee details |
Whether you’re removing a nominee, changing their share, or adding a new person, the only way to do so is by making a fresh nomination.
Cancelling A Nomination
There’s no separate process to cancel your nomination. To cancel it, just make a new nomination without listing any previous nominees. CPF Board will treat the new submission as the most current and valid.
If A Nominee’s Details Change
You don’t need to update your nomination just because a nominee changes their name or moves house. However, when it’s time for them to claim your savings, CPF may request supporting documents such as a deed poll to confirm their identity.
| Change | Action Required |
| Name change | No update needed, but proof may be required later |
| Address change (SG/PR) | No update needed |
| Address change (Foreigner) | CPF may require updated contact details |
Reviewing and managing your CPF nomination ensures your savings are distributed the way you intend. It’s simple to check, and even easier to update when needed. Regular reviews give you peace of mind and make life easier for the people you care about.
What If I Lose Mental Capacity After Making My CPF Nomination?
If you lose mental capacity after making a CPF nomination, your existing nomination will stay valid. It will not be cancelled just because your mental state changes later on.
At that point, you won’t be able to change or cancel your nomination. This is because CPF nominations can only be made or updated by individuals who have mental capacity at the time of submission.
Your nomination will continue to be recognised unless one of the following happens:
| Scenario | What Happens |
| All your nominees pass away before you | CPF savings go to the Public Trustee for distribution under intestacy laws |
| A court finds your original nomination invalid | If it was made while you lacked mental capacity, the court may revoke it |
This is why it’s important to review and update your CPF nomination while you’re mentally fit. Once your mental capacity is lost, no one—not even a family member or legal representative—can make changes to it on your behalf.
How Will CPF Monies Be Distributed After Death?
When you pass away, CPF Board will be alerted by government systems, so your family does not need to file a report. After receiving confirmation, CPF will begin the distribution process and reach out to the people you’ve nominated.
What your nominees receive depends on the type of nomination you made. If you chose a cash option, the money will be transferred directly to them. If you selected a CPF account transfer, the funds will be added to their CPF balance. For nominations involving a dependent with special needs, the money is disbursed in scheduled amounts to support ongoing care.
All the funds from your Ordinary, Special, MediSave, and Retirement Accounts will be included. If there’s any unused amount from CPF LIFE premiums, that balance is also distributed. If you’ve nominated someone to receive your discounted Singtel shares, they can either transfer the shares to their CDP account or ask CPF to sell them.
Here’s a breakdown for easy reference:
|
Item |
What Happens After Death |
| CPF Account Balances | Distributed based on your nomination method |
| Unused CPF LIFE Premiums | Returned to the nominated person or people |
| Discounted Singtel Shares | Transferred or sold according to the nominee’s instruction |
If you didn’t make any nomination, CPF will pass your savings to the Public Trustee’s Office. They’ll distribute the money according to inheritance laws that apply in your situation.
Conclusion About CPF Nomination In Singapore
Making a CPF nomination is a key part of planning ahead. It ensures your CPF savings are distributed according to your wishes, without delay or legal complications for your loved ones. Reviewing it regularly keeps your intentions up to date, especially during major life changes like marriage, divorce, or the birth of a child.
At Tembusu Law, we’re here to support you with practical advice on CPF nominations and broader estate planning matters. Whether you’re unsure about your legal options, need help reviewing your nomination, or want to explore other tools like a will or Lasting Power of Attorney, our experienced team is ready to help.
Contact us now for your free legal consultation!
Frequently Asked Questions About CPF Nomination In Singapore
What Is CPF Nomination?
CPF nomination lets you choose who will receive your CPF savings when you pass away. It ensures your money goes directly to your selected nominees.
How Do I Do A CPF Nomination?
You can make a nomination online using your Singpass or by visiting a CPF Service Centre with the required documents and two eligible witnesses.
Who Are My CPF Nominees?
Your CPF nominees are the people or organisations you’ve named to receive your CPF savings after your death. You can check your nomination details online via my cpf.
Who Is Eligible For CPF In Singapore?
CPF is available to Singapore Citizens and Permanent Residents who earn an income. Contributions are made by both the employee and employer.
What Are The Three Types Of CPF Nominations?
The three types are Cash Nomination, Enhanced Nomination Scheme (ENS), and the Special Needs Savings Scheme (SNSS).
What Happens If I Don’t Do A CPF Nomination?
If no nomination is made, your CPF savings will be sent to the Public Trustee’s Office and distributed based on intestacy laws or Muslim inheritance rules.
What Happens To CPF After 55?
When you turn 55, your CPF savings are moved to your Retirement Account to form your retirement payouts. Any amount above the Full Retirement Sum stays in your Ordinary Account and can be withdrawn
