What happens when the deceased has un-nominated CPF monies? How do I make an application to receive the monies?
What are Un-nominated CPF Monies?
Un-nominated CPF monies are CPF savings that belong to someone who died without choosing who should receive their money. When this happens, the CPF Board sends these savings to the Public Trustee's Office. The Public Trustee then gives the money to the person's family members who have the legal right to receive it.
Why does this happen?
Some people do not nominate (which means choose) anyone to receive their CPF money when they die. The law requires these savings to go through the Public Trustee's Office to make sure the right family members receive the money.
Who gets the money?
The money will be distributed in accordance with the Intestate Succession Act or Administration of the Muslim Law Act.
Rules of Distribution (Non-Muslims) | |
|---|---|
Deceased Die | Distribution |
Spouse | Whole share to surviving spouse |
Spouse | ½ share to surviving spouse. |
Issue | Whole share to be shared equally among issue and, where they have already died, their children. Parents are not entitled. |
Spouse | ½ share to surviving spouse. |
Parents | Whole share to be shared equally among surviving parents. |
Siblings | Whole share to be shared equally among deceased’s siblings and, where they have already died, their children. |
Grandparents | Whole share to be shared equally among surviving grandparents. |
Uncles and Aunts | Whole share to be shared equally among surviving uncles and aunts. |
Spouse refers to husband or wife.
Issue means a child (legitimate or legally adopted) and the descendants of a deceased’s child. Illegitimate children and transferred children are NOT entitled under the Intestacy Rules.
What you need to know about the process
Timeline: The CPF Board takes 4 to 6 weeks to send the money to the Public Trustee after someone reports the death.
Notification: The Public Trustee will write to you when they receive the money. You can only apply after getting this letter.
What to do next
Wait for notification. The Public Trustee will write to you when they receive the CPF monies. Do not apply before receiving this letter.
How to apply
Step 1: Go to the online portal. Visit the Public Trustee's Office portal at https://go.gov.sg/pto
Step 2: Log in with Singpass Click "Log in with Singpass" and enter your Singpass details.
Step 3: Select the right service. Choose "Administration of CPF / Baby Bonus / Edusave / PSEA Monies" from the list of services.
Step 5: Fill in your application and upload the required documents
Step 6: Submit your application. Review your information and click "Submit".
What happens after you apply
Processing time: 14 working days upon receiving complete set of documents. You will be notified via: email If approved: money will be transferred to your bank account within 14 working days.
For more information: Visit the official Public Trustee's Office page at https://pto.mlaw.gov.sg/deceased-cpf-estate-monies/information-for-next-of-kin-cpf-monies/
About the Public Trustee's Office
The Public Trustee's Office, under the Ministry of Law, manages money and property when someone dies without a will or without choosing who should receive their savings. They make sure the money goes to the right family members according to Singapore law.
Need help? Call the Public Trustee's Office at 1800-2255-525
Related questions
What happens to the CPF monies of a deceased CPF member?
Who can claim for the un-nominated CPF monies as reimbursement of funeral expenses?
How do I know if my loved one has any CPF monies and if they had made a valid nomination?
CPF Board has notified me that the deceased's un-nominated CPF monies will be forwarded to the Public Trustee but a check with the Public Trustee reveals that there are no CPF monies in the case account.
