Last updated: August 2026 | SeaMoneyTips
Knowing your CPF balance is essential for planning your retirement, housing, and healthcare in Singapore. Whether you want to check your Ordinary Account (OA), Special Account (SA), or MediSave Account (MA), this guide walks you through every method available in 2026. You can check your CPF balance online via the MyCPF portal, through the CPF Mobile App, or by visiting a CPF Service Centre in person.
Why You Should Check Your CPF Balance Regularly
Your CPF savings grow over time through employer contributions, voluntary top-ups, and interest earned. Checking your balance regularly helps you stay on track with your retirement goals, plan housing purchases, and ensure your MediSave is sufficient for medical needs. The CPF Board pays interest on your balances - 2.5% per annum on the OA and 4% on the SA and MA - so knowing your exact balance helps you understand how much your savings are growing.
The CPF interest rate for 2026 remains at 2.5% for the Ordinary Account and 4% for the Special Account and MediSave Account. Additional interest of 1% is paid on the first $60,000 of combined CPF balances (capped at $20,000 for OA). For members aged 55 and above, an extra 1% interest is paid on the first $30,000 of combined CPF balances (capped at $20,000 for OA). These rates are guaranteed by the Singapore government, making CPF one of the safest savings instruments available.
Method 1: Check CPF Balance via MyCPF Portal (Online)
The MyCPF portal is the official online platform for checking your CPF balance. It is accessible 24/7 and provides detailed information about all your CPF accounts.
Step-by-Step Guide to Using MyCPF Portal
Follow these steps to access your CPF balance online:
Step 1: Go to the official CPF website at www.cpf.gov.sg. Click on the "MyCPF" login button at the top right corner of the page.
Step 2: Log in using your Singpass. You can use either Singpass Face Verification or your Singpass app to generate a login passcode. If you do not have a Singpass account, you can register for one at www.singpass.gov.sg.
Step 3: Once logged in, navigate to "My Statement" on the left sidebar. This section displays your CPF balance across all three accounts - OA, SA, and MA.
Step 4: You can view your CPF balance by clicking on "My Statement" and then selecting the current year. The statement shows your opening balance, contributions, interest earned, and closing balance for each account.
Step 5: For a detailed breakdown, click on "View More" to see transaction history, including employer and employee contributions, investment deductions, housing withdrawals, and MediSave usage.
What You Can See on MyCPF Portal
The MyCPF portal provides comprehensive information about your CPF savings:
- Account balances: Current balance for OA, SA, and MA accounts
- Contribution history: Monthly employer and employee contributions
- Interest earned: Interest credited to each account
- Withdrawals: Housing, education, and MediSave withdrawals
- Investment: CPF Investment Scheme (CPFIS) deductions and returns
- Retirement sum: Your current retirement sum relative to the Basic, Full, or Enhanced Retirement Sum
Method 2: Check CPF Balance via CPF Mobile App
The CPF Mobile App is available for both iOS and Android devices. It provides a convenient way to check your CPF balance on the go.
How to Download and Use the CPF Mobile App
Download the CPF Mobile App from the Apple App Store or Google Play Store. The app is free and provides the same information as the MyCPF portal.
After downloading the app, log in using your Singpass credentials. The app will display your CPF balance on the home screen. You can tap on each account to see a detailed breakdown of contributions, interest earned, and withdrawals.
The CPF Mobile App also sends push notifications when new contributions are credited to your account, interest is earned, or when your retirement sum milestone is reached. This makes it easy to stay updated on your CPF savings without logging in every time.
One useful feature of the CPF Mobile App is the ability to check your CPF balance anytime, anywhere. Whether you are at work, at home, or traveling, you can quickly access your CPF information with just a few taps on your phone.
Method 3: Check CPF Balance at CPF Service Centre
If you prefer to check your CPF balance in person, you can visit any CPF Service Centre. There are several CPF Service Centres located across Singapore.
At the CPF Service Centre, you can use the self-service kiosks to print your CPF statement. Bring your NRIC or Employment Pass for identification. The staff can also assist you with any questions about your CPF balance or contribution history.
CPF Service Centres are located at Bishan, Tampines, Toa Payoh, and Jurong. Check the CPF website for the latest opening hours and locations before visiting.
Understanding Your CPF Account Types and Balances
CPF savings are divided into three accounts, each with different purposes and interest rates. Understanding each account helps you make better financial decisions.
Ordinary Account (OA)
The Ordinary Account is used for housing, education, and investment. The interest rate is 2.5% per annum. You can use your OA savings to pay for your HDB flat, CPF-approved investments, or your children's education. The OA has the lowest interest rate among the three accounts, but it offers the most flexibility in terms of usage.
Special Account (SA)
The Special Account is dedicated to retirement and investment. The interest rate is 4% per annum. You can use your SA savings for CPFIS-approved investments or transfer to your Retirement Account (RA) when you turn 55. The higher interest rate makes the SA an excellent vehicle for long-term retirement savings.
MediSave Account (MA)
The MediSave Account is used for healthcare expenses. The interest rate is 4% per annum. You can use your MA savings to pay for hospitalisation, surgeries, and approved outpatient treatments. MediSave also covers health insurance premiums such as MediShield Life and Integrated Shield Plans.
What to Do If You Cannot Access Your CPF Balance
If you are having trouble checking your CPF balance, here are some common issues and solutions:
Singpass issues: If you cannot log in to MyCPF or the CPF Mobile App, ensure your Singpass account is active. You can reset your Singpass password online or visit a Singpass counter at any SingPost outlet.
Outdated contact information: If your registered phone number or email address is outdated, you may not receive the One-Time Password (OTP) needed for login. Update your contact details via Singpass or visit a CPF Service Centre.
Account frozen: In rare cases, CPF accounts may be frozen due to legal or administrative reasons. Contact the CPF Board directly at 1800-226-1666 to resolve any account issues.
New to Singapore: If you are a new employee, your CPF contributions may not have been credited yet. Contributions are typically credited by the end of the following month. Check your first contribution after 30 days of employment.
Frequently Asked Questions
How often is CPF interest credited?
CPF interest is credited annually in January for the previous year. However, the interest is calculated monthly based on the lowest balance of the month. You can see the interest earned in your annual CPF statement.
Can I check my CPF balance without Singpass?
No, you need a Singpass account to access the MyCPF portal and CPF Mobile App. Singpass is Singapore's national digital identity, and it is required for all government e-services including CPF.
What is the difference between OA and SA interest rates?
The OA earns 2.5% per annum, while the SA earns 4% per annum. The SA has a higher interest rate because it is dedicated to retirement savings. You can transfer OA savings to SA to earn higher interest, but this is irreversible.
How much CPF can I withdraw at age 55?
At age 55, you can withdraw up to $5,000 from your OA and SA balances (if your total CPF savings exceed the Full Retirement Sum). The Retirement Account is created at age 55, and you can withdraw any excess above the Basic Retirement Sum. For more details, check the CPF withdrawal rules guide.
Can I check my spouse's CPF balance?
No, you can only access your own CPF account through MyCPF. To check your spouse's CPF balance, they must log in to their own MyCPF account. However, you can make CPF top-ups to your spouse's account to help them grow their retirement savings.
What happens to my CPF balance if I leave Singapore?
If you leave Singapore permanently, you can withdraw your entire CPF balance. For non-permanent residents, you can withdraw your OA and SA balances upon leaving. Permanent residents who leave Singapore permanently can also withdraw their full CPF balance. Visit the CPF website for the latest withdrawal procedures.
Key Takeaways
- Check your CPF balance regularly via MyCPF portal, CPF Mobile App, or CPF Service Centre
- You need Singpass to access your CPF account online
- OA earns 2.5% interest, SA and MA earn 4% interest per annum
- Additional 1% interest on first $60,000 of combined balances for members under 55
- CPF statements are updated monthly, with interest credited annually in January
- Contact CPF Board at 1800-226-1666 for account issues or questions
Conclusion
Checking your CPF balance in 2026 is simple and can be done anytime through the MyCPF portal or CPF Mobile App. With interest rates of 2.5% for OA and 4% for SA and MA, your CPF savings grow steadily over time. Regular monitoring helps you plan your retirement, housing purchases, and healthcare needs effectively. Start by logging into your MyCPF account today to review your current balance and contribution history.
Related: Learn more about CPF interest rates in 2026 and CPF Retirement Sum guide to maximise your retirement savings.
This article was written by the SeaMoneyTips Editorial Team, focused on personal finance education for Indonesia and Singapore readers. For inquiries, please contact us.