You can indicate any person or organisation as a nominee in your CPF nomination. This includes non-CPF account holders.

You can nominate a trustee/trust company to receive your CPF savings on behalf of your nominee.

CPF savings cannot be included in your will because they do not form your estate. Excluding CPF savings from the estate protects your savings from any creditor claims on outstanding loans that you may have after your passing. This ensures that your CPF savings are preserved fully for your loved ones to claim them swiftly.

Without a nomination, your CPF savings will be distributed by the Public Trustee's Office to the legally entitled beneficiaries (who are usually family members and next-of-kin) according to existing intestacy or Muslim inheritance laws. The Public Trustee's Office charges a fee for the distribution of your un-nominated CPF savings. Please visit pto.mlaw.gov.sg for more information.

Your CPF savings will be transferred to the Public Trustee's Office (PTO) for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore.

You do not need to update your nominee's particulars if they are Singaporeans or Singapore Permanent Residents. For name changes, the Board will request your nominees present document(s) e.g. Deed Poll, to prove their change of name when they apply to withdraw the CPF monies.

If your nominees are foreigners, you should make a new CPF nomination to provide their new names, addresses or passport numbers. This is to allow the Board to identify and contact your nominee(s) easily to withdraw your CPF monies.

If your nominee is an undischarged bankrupt at the time he or she becomes entitled to receive your CPF monies ("nominated monies"), CPF Board will have to inform the Official Assignee ("OA") and transfer the nominated monies to the OA upon their instruction.

If you are nominating someone who is not a Singapore Citizen or Permanent Resident, you can include the nominee's full name, foreign identification number and mailing address in your nomination form so that the Board can contact him swiftly when distributing your CPF savings.

CPF cash nomination provides a lump sum payment while SNSS allow for CPF savings to be distributed to the nominated child on a monthly basis.

Your nominee's share will be released to the donee or deputy appointed to act on his/her behalf under the Mental Capacity Act.

For more information on how to apply for deputyship, you can visit the Deputyship module.

SNSS nomination is intended for parent-child relationship. Non-parent-child relationship SNSS approval is on a case-by-case basis.