Starting 2026, the CPF Board has officially transitioned the entire CPF Nomination Scheme to a fully digital process. This major change is aimed at enhancing convenience, reducing errors, and ensuring faster processing for all CPF account holders in Singapore. As part of the country’s broader retirement rules reform, this update marks a significant milestone in the ongoing digitization of national services.
The CPF Nomination Scheme Update 2026 is a result of government efforts to modernize personal finance tools, especially those linked with post-retirement wealth transfer. With this update, all CPF nominations—which determine who receives your CPF savings upon your demise—must now be completed online via secure digital verification.
What Has Changed in the CPF Nomination Scheme?
Under the earlier scheme, CPF members had the choice of submitting their nominations either through a hardcopy form or through an online option. Now, the Digital Process CPF system has become compulsory, and paper-based nominations will be discontinued entirely from January 2026. Here are the main changes:
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Digital authentication using Singpass is now required.
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Witnesses must also validate the nomination digitally.
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All data is encrypted and processed in real time.
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CPF Board will no longer accept walk-in or physical form submissions.
This move streamlines the CPF Nomination process and aligns it with Singapore’s Smart Nation goals for 2026.
Benefits of the Digital CPF Nomination Process
The CPF Nomination Scheme Update 2026 offers multiple advantages for users:
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Increased Convenience: Submit your nomination 24/7 online without the need to visit a branch.
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Faster Processing: Nominations are reviewed and verified faster compared to paper forms.
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Error Reduction: Real-time form validation ensures fewer mistakes or incomplete details.
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Eco-Friendly: No paper or physical storage required, promoting green governance.
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Secure Verification: Enhanced security through Singpass ensures only authorized actions are processed.
This digital approach also aligns with other retirement rules transformations that the CPF Board has introduced recently.
Who Needs to Update Their CPF Nomination?
All existing CPF members are encouraged to review and update their nomination using the new digital portal. While current nominations remain valid, any updates, changes, or new nominations must be done through the digital route. Special focus is on these categories:
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Members who made nominations before 2010
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Citizens above 55 years old updating retirement arrangements
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People updating dependents due to marriage, divorce, or childbirth
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Users whose witnesses may no longer be contactable
Here’s a quick summary table to help understand the changes clearly:
| Feature | Old Process | New Digital Process 2026 |
|---|---|---|
| Submission Method | In-person or online | Digital-only via Singpass |
| Witness Requirement | 2 physical witnesses | 2 digital confirmations |
| Processing Time | 7–14 business days | Within 3 business days |
| Paper Form Option | Available | Discontinued |
| Security Verification | Manual signature check | Singpass-authenticated |
How to Make a CPF Nomination Digitally
Making a nomination via the CPF website or app is simple:
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Step 1: Log in to the CPF Member portal using your Singpass.
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Step 2: Select “Make a Nomination” from the dashboard.
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Step 3: Input your nominee details and CPF share percentages.
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Step 4: Add two witnesses and request their digital consent.
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Step 5: Submit and receive confirmation instantly.
The CPF Board sends email and SMS alerts once the process is complete.
Conclusion
The CPF Nomination Scheme Update 2026 is a welcome reform for the aging population in Singapore. By making the Digital Process CPF mandatory, the CPF Board is improving system transparency, reducing risks of fraud, and aligning with the future of retirement rules in the country. Every CPF member, especially those planning for retirement in 2026 and beyond, should take time to verify and update their nomination to avoid complications.
This is part of a wider push to ensure financial planning remains streamlined, secure, and citizen-friendly.
FAQs
What is the CPF Nomination Scheme?
The CPF Nomination Scheme allows CPF members to specify who will receive their CPF savings after their death.
Is it mandatory to use the digital process in 2026?
Yes, from January 2026, all CPF nominations must be submitted digitally via Singpass.
Do I need witnesses for digital nominations?
Yes, two digital witnesses are still required. They will confirm their roles online using Singpass.
Will previous nominations made via paper still be valid?
Yes, they will remain valid. However, any updates must be made digitally.
How can I access the digital nomination portal?
You can log in to the CPF Member Services portal or use the CPF mobile app using your Singpass credentials.
Click here to learn more