Comprehensive Guide to Viewing Your CPF Statements

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Keeping track of your CPF balances and transactions is essential for managing your savings, planning for retirement, and ensuring contributions are correctly credited. This guide provides a step-by-step walkthrough on how to view your CPF statements through various platforms.

1. Overview of CPF Statements

Your CPF statement provides a detailed breakdown of:

  • Balances in each account (Ordinary, Special, MediSave, and Retirement Accounts).
  • Monthly contributions by you and your employer.
  • Interest earned on your savings.
  • Approved withdrawals and investments.

CPF statements can be accessed online, through mobile apps, or via hard copies for specific requests.

2. How to View CPF Statements Online

The CPF website offers a convenient and secure way to access your statements. Follow these steps:

Step 1: Log in to the CPF Website

  1. Visit the CPF website: www.cpf.gov.sg.
  2. Click on the “Login” button located at the top-right corner.
  3. Select “Singpass” as the login method.
  4. Enter your Singpass ID and password or use the Singpass Mobile app for QR code authentication.

Step 2: Access Your CPF Statements

  1. Once logged in, go to the “My Statement” section on the dashboard.
  2. Select the specific type of statement you wish to view:
    • Account Balances: Overview of balances across all CPF accounts.
    • Transaction History: Detailed records of contributions, withdrawals, and interest earned.
    • Contribution History: Breakdown of monthly contributions by employer and employee.
  3. For custom periods, select a date range to view historical transactions.

Step 3: Download or Print Your Statement

  • Click on the “Download” button to save a PDF copy.
  • Alternatively, use the “Print” option for a hard copy.

3. Viewing CPF Statements on the CPF Mobile App

The CPF Mobile App offers a user-friendly interface for accessing your CPF information on the go.

Step 1: Download the App

  • Search for “CPF Mobile” on the Apple App Store or Google Play Store.
  • Download and install the app.

Step 2: Log in

  • Open the app and log in using your Singpass credentials.

Step 3: Navigate to Your CPF Statement

  1. On the home screen, view your account balances at a glance.
  2. For more details:
    • Tap on the account (OA, SA, MA, or RA) for a breakdown of transactions.
    • Use the “Statements” feature to generate a detailed report.

Step 4: Save or Share Statements

  • Save the statement as a PDF or share it directly via email or messaging apps.

4. Requesting a Hard Copy CPF Statement

For those who prefer physical copies, CPF Board allows requests for hard copy statements.

Step 1: Submit a Request

  1. Log in to www.cpf.gov.sg with your Singpass.
  2. Navigate to the “Contact Us” section and select “Request for Statement”.
  3. Specify the type of statement and the period required.

Step 2: Receive by Mail

  • The CPF Board will mail the hard copy to your registered address within 5–7 business days.

5. Understanding Your CPF Statement

Here’s how to interpret the key components of your CPF statement:

Account Balances:

  1. Ordinary Account (OA): Housing, education, and approved investments.
  2. Special Account (SA): Retirement savings and investment funds.
  3. MediSave Account (MA): Healthcare expenses and insurance premiums.
  4. Retirement Account (RA): Monthly payouts for retirement.

Transaction History:

  • Displays all contributions, withdrawals, and interest earned for the selected period.

Contribution Details:

  • Shows monthly breakdowns, including employer and employee contributions.

Interest Earned:

  • Details the interest credited to each account based on the CPF interest rates.

6. Common Issues and Troubleshooting

Issue 1: Unable to Log In

  • Ensure your Singpass credentials are correct.
  • Reset your password via the Singpass website if needed.

Issue 2: Information Not Updated

  • CPF contributions are usually updated within a few working days of salary payment. Contact your employer if discrepancies persist.

Issue 3: Error Messages on the Website

  • Clear your browser cache or try accessing the website on another device or browser.

7. Frequently Asked Questions (FAQs)

Q1: How often are CPF statements updated?

CPF statements are updated monthly after employer contributions are credited.

Q2: Can I view CPF statements for past years?

Yes, you can view and download historical CPF statements for up to 15 months through the online portal or app. For older records, contact CPF Board.

Q3: Are CPF statements confidential?

Yes, CPF statements contain sensitive financial information and should not be shared without careful consideration.

Q4: Can I authorize someone else to view my CPF statement?

You can authorize a trusted individual under the CPF Nomination scheme to access information, but they cannot log in on your behalf.

Q5: How do I report discrepancies in my statement?

Contact the CPF Board via their hotline or submit an inquiry online if you find discrepancies.

8. Contacting CPF Board for Assistance

If you encounter issues or need clarification:

  • CPF Call Centre: 1800-227-1188 (Mon–Fri, 8 AM–5:30 PM)
  • Online Inquiry: Submit through the CPF website.
  • Service Centres: Visit CPF Board branches for in-person assistance (by appointment).