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CPF nominations: What happens to your CPF when you pass away?

Your CPF savings don’t automatically go to your family when you die. Find out how CPF savings are distributed upon death in Singapore—and why making a nomination is urgent, not optional.

Last updated 2 July 2026
Sign on a building with the Central Provident Fund Board logo.

Key takeaways

  • CPF funds cannot be distributed through a will

  • Without a nomination, intestacy laws will determine who gets your CPF savings

  • Making a nomination lets you choose who gets your CPF savings and how much each person should receive

CPF savings (balances left in a deceased member's Ordinary, Medisave and Special/Retirement Accounts) do not form part of the estate and are not covered by a Will.

If you don't make a CPF nomination, the money will be distributed via intestacy laws. It will take time to locate the legally-entitled beneficiaries, and a fee will be payable to the Public Trustee's Office to make the distribution.

You should make a CPF nomination if you want your CPF savings to be distributed according to your wishes.

Who you can nominate

You can nominate any person or organisation to be the beneficiary of your CPF savings. There is no limit to the number of nominees you can appoint.

How to make a nomination

You must be 16 years and above, and of sound mind to make a CPF nomination.

You can now make a CPF nomination online conveniently anytime, anywhere.

If you have made a CPF nomination, you can review your nomination details online to ensure it continues to meet your needs.

It's a good idea to review your nomination when circumstances change. Note that marriage will revoke a CPF nomination.

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