How to download cpf statement ?

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Written By Loanbuddy Singapore
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How to download cpf statement ?

To download CPF account statement, you must first log in to My CPF online services on the CPF website. Follow the following steps to download the statement .


Go to the CPF website. Visit 


Login to mycpf Online Services with your Singpass


If you have forgotten/do not have a password, there are links within the page to retrieve them.


View your Statement


Click on ‘my Statement’


Retrieve your CPF Contribution History


Go to Section B


Click on ‘Contribution History up to the last 15 months’ under History type 


Please select your contribution history for the past 6 months 


Download your CPF Contribution History Statement .Click the Adobe icon to download your statement in PDF format.


Save your downloaded document 

CPF Overview

The Central Provident Fund is a mandatory social security savings scheme funded by contributions from employers and employees. Under this scheme, all Singaporeans are required to make regular contributions to the Fund, which invests the proceeds on their behalf for their future benefit. Hence, it is a key pillar of Singapore’s social security system and serves to meet our requirements, housing, and healthcare needs.

How does CPF work?

The Central Provident Fund is an obligatory benefit account in Singapore that all residents are required to contribute to. Depending on your age, CPF contribution rates can range from 12.5% to 37% of your monthly wages. 

As you work and make CPF contributions, you accumulate savings which are then split amongst these three accounts: Your Ordinary Account (OA), Medisave Account (MA), and Special Account (SA). The allocation rates among the three accounts change according to your age, in a move designed to help members better meet different needs at different life stages.

This allocation starts to shift when you’re between 35 and 55 years old, with a larger allocation to your Special Account (SA) as you start to prepare for retirement and potential healthcare costs. At age 55, a Retirement Account (RA) is created for you. Finally, employees above 65 years old will see the bulk of their contributions allocated to their MA to meet their healthcare needs.

Money in one’s CPF account is not allowed to be withdrawn unless under special circumstances. These include a renouncement of citizenship if you migrate and being officially certified to have a reduced life expectancy.

Only Singaporean Citizens and Singaporean Permanent Residents are eligible to join the CPF.

How to get a CPF statement without Singpass?

In case you do not have a valid Singpass, but have a personal POSB, OCBC, or UOB account maintained under your Singapore NRIC, you can submit your application form and supporting documents via CPF’s website.

Steps to follow on the website:


Go to Write to us


Select a CPF member


Select the subject Withdrawals due to Death / Leaving Singapore and category Appeal – Withdrawal on Ground of Leaving Singapore and West Malaysia Permanently.


Upload your completed application form (Form CPF-CA) and required supporting documents as stated under Important Notes on Page 5 of the application form:


In section 2 of the application form (“Bank Details and Certification”), fill in the details of this bank account.


Have your supporting documents certified as true copies by a local Notary Public, and then have the Notary Public authenticated by an Official with an Apostille.


You do not need to complete section 4 of the application form (“Witness Certification”).


Note: if the file sizes are too large, you may need to submit using separate inquiries


Fill in your personal details.


Click Submit.

Can I get my old CPF statement beyond 15 months?

For records beyond 15 months, you can refer to your last 10 years of Yearly Statement of Account on my cpf digital services.

The Central Provident Fund Board strongly recommends all members observe security best practices always when accessing CPF statements with their Singpass. They should not share their Singpass ID and password with third parties and should always log out once they complete their online transactions.

Who is subject to CPF deductions in Singapore?

Not all employees are subject to CPF deductions, only those employees who are Singapore citizens or Singapore permanent residents are subject to CPF deductions.

If an employee is on an employment pass or who is a work permit holder, then their salary is not subject to CPF deduction. The primary logic behind this is that the employment pass holders or any work permit holders are considered foreigners and is expected that maybe after a few years or so they may go back to their home country and therefore their provident fund management need not be done in Singapore.

How much is the CPF contribution rate in 2023?

CPF contribution rate is the percentage of income that employers and employees contribute to the Central Provident Fund in Singapore. The current total contribution for workers below the age of 55 is 37%. From 1 September 2023, the employers’ CPF contribution will increase to 17% of the income ceiling of $6,300, which is $1,071. From 1 January 2026, the income ceiling will be raised to $8,000, and the employer’s CPF contribution will be $1,360.


If I should pass on, can I make a Nomination for someone to be a beneficiary of my Central Provident Fund savings?

You can make a CPF nomination online by logging in to my cpf digital services with your Singpass. Making your nomination online is convenient as it can be done anytime, anywhere. You will need to prepare your Singpass, as well as the particulars of your nominee(s) and witnesses.
  Three things you need to know about the Nomination
A CPF nomination allows you to distribute your CPF savings according to your wishes when you pass away.
The default mode of CPF nomination is cash. Nominees will receive the CPF savings due to them in cash via cheque or GIRO
A Will does not cover the distribution of CPF savings after death. If no nomination is made, your savings will be distributed by the Intestacy Law of the Certificate of Inheritance (for Muslims).

Is CPF a Retirement saving Scheme?

CPF Scheme is a Retirement Saving Scheme that is prevalent in Singapore. All over the world, there are different types of retirement schemes in each country for example in Australia it is called a Superannuation scheme, in Canada they have Canada pension plan, in the USA there are a few different plans and there is also something called 401 K, in India, there is Employees Provident fund. Just like this, the Retirement Saving Plan implemented in Singapore is called as Central Provident Fund –
CPF scheme deducts every month some money from a salary and deposits it to the CPF account of that person. After retirement, that person will get a monthly payout.


What sets the CPF apart from other pension systems? Here are 4 considerations.

1. CPF is a 3-in-1 system

Unlike pension systems in other countries, the CPF goes beyond providing members with an income in retirement. The CPF also helps us to save for housing and healthcare.

2. CPF provides attractive, risk-free returns

CPF members earn government-guaranteed interest of up to 6% per annum on their savings. In comparison, other defined-contribution pension systems require members to take on some investment risks to grow their savings.

3. CPF is sustainable. Payouts depend on the savings set aside by each member.

The savings required to meet retirement needs differ from person to person. To help provide for basic retirement expenses, CPF members can set aside the Basic Retirement Sum (BRS), which takes reference from the actual spending of retiree households. Unlike the CPF, many other pension systems are funded by taxpayers. Given rapidly aging populations and the challenges in reducing pension benefits or deferring pension payout ages, these systems run the risk of default or insolvency.

4. Singaporeans do not rely on individual CPF contributions alone for their retirement income. Aside from your contribution of 20% of your salary to CPF, your efforts are supplemented by your employers, loved ones, and the Government.

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