Do more with your CPF savings
at a glance

Do more with your CPF savings

With the UOB CPF Investment Account, you can invest your Ordinary Account and Special Account savings in a wide range of products to potentially grow your nest egg.


Access a wide range of investment products

Invest your CPF Ordinary Account (OA) and Special Account (SA) savings in these products

Get a holistic view of your

View, save and print your monthly consolidated statement easily anytime at your convenience.

Earn daily interest

Enjoy daily interest on uninvested cash balance in your UOB CPF Investment Account.

Investing your CPF funds

Learn more about the products you can invest in through your UOB CPFIS Account
Singapore Government Securities (SGS)

Singapore Government Securities (SGS)

Debt instruments that can help you diversify your portfolio, reduce volatility, and earn regular income.

Unit Trusts

Unit Trusts

Professionally managed by various fund managers, we have just the right fund designed to meet your specific investment needs.

Structured Deposits

Structured Deposits

Offered in tranches and provide total guaranteed minimum interest and guaranteed principal if held to maturity. Terms and conditions apply.

How to apply

Eligibility and rates
• You must be a CPF member
• You are 18 years old and above
• You are not an undischarged bankrupt
• You must not have an existing CPF Investment Account with any bank
• You must have more than S$20,000 in your CPF Ordinary Account and more than S$40,000 in your CPF Special Account.

Ready to apply? Open a UOB-CPFIS Account through MyInfo

Ready to apply? Open a UOB-CPFIS Account through MyInfo

Alternatively, approach a banker at any UOB branch for assistance.

    Frequently asked questions about CPFIS

    Who can invest under the CPF Investment Scheme (CPFIS)?

    All CPF members who

    • are at least 18 years old;
    • are not undischarged bankrupts; and
    • have more than S$20,000 in their ordinary account (for investments under CPFIS-Ordinary account) and/or have more than S$40,000 in their special account (for investment under CPFIS-Special Account).

    From 1 October 2018, if you are a new CPFIS investor, you will need to take the SAQ before you can start investing under CPFIS.

    The CPF Investment Scheme (CPFIS) Self-Awareness Questionnaire (SAQ) helps you assess if you have basic financial knowledge and whether CPFIS is suitable for you. The SAQ starts with learning modules on investment concepts, products and charges under CPFIS. You can access the SAQ via the CPF website after logging in with your SingPass.

    Agent banks and product providers will require you to declare your SAQ status and/or ask to view a copy of your SAQ status for verification. You can participate in the CPFIS once you have taken the SAQ, regardless of your SAQ results. You can check your SAQ status here.

    You can invest the balance of your CPF savings under

    1. CPF investment Scheme-OA (CPFIS-OA) after setting aside S$20,000 in your OA.
    2. CPF Investment Scheme-SA (CPFIS-SA) after setting aside S$40,000 in your SA.

    Please refer to the list of instruments available for investment under the CPF Investment Scheme, and to find out how much of your CPF savings you can invest:

    • Login to CPF website using your SingPass to access myCPF Online Services – myStatement; or
    • Access myCPF mobile app on your iPhone or Android device using your SingPass; or
    • Visit any CPF Service Centre with your identity card.

    You can approach any of the service/or product providers to buy or sell your investments.

    Frequently asked questions about CPFIS Online Account Opening

    How will I know if my online CPFIS account application is successful?

    Upon successfully submitting an online application for a CPFIS account, an application ID number will be issued to you. You will also receive an email with the application ID number to confirm that the online application has been received.

    If you would like to check with UOB on your application status, please quote the application ID number.

    Please refer to the next question on how long it would take for the CPFIS account application to be processed.

    If you were not presented with a “Successful Submission” page with the application ID number or did not receive an email with the application ID number, you might not have completed the application. Please login to submit your application again.

    It will typically take 10 days working to process the CPFIS account online application.

    You will receive an email notification within 4 working days after your CPFIS account is opened. However, the account number will not be provided in the email for security purposes but will be mailed to your UOB-registered mailing address within 7 working days.

    You can also obtain your CPFIS account details from any of the following:-

    1. MyCPF Online Service or MyCPF App
      Go to My Statement > CPF Investment Scheme Yearly Statement
    2. UOB Personal Internet Banking/UOB TMRW
      (If you are an existing UOB Personal Internet Banking/UOB TMRW user.)
    3. 24-hour Phone Banking at 1800 222 2121
    4. Any UOB branch

    You may contact UOB via the following channels with the application ID number received during the online application

    • 24-hour Phone Banking at 1800 222 2121
    • Contact Us page*

    * Please quote your application ID number in the description/comments to enable us to check on the status before contacting you

    Please note that the online application will no longer be valid, and you will have to visit a UOB branch with your NRIC and complete the application as we need more information.

    You can check your SAQ status here.

    You can complete your SAQ by logging in with SingPass here.

    Foreigners are not able to apply online as MyInfo is unable to provide all required verified data during CPFIS account online application.

    Things you should know

    Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member.

    This advertisement has not been reviewed by the Monetary Authority of Singapore

    These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the Life Insurance Association (LIA) or SDIC websites ( or

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

    The Central Provident Fund ("CPF") interest rate for the Ordinary Account ("OA") is based on the 12-month fixed deposit and month-end savings rates of the major local banks. Under the CPF Act, the CPF Board pays a minimum interest of 2.5% per annum when this interest formula yields a lower rate.

    From 1 Jan 2008, the new interest rate for the Special, Medisave and Retirement Accounts ("SMRA") will be pegged to the yield of 10-year Singapore Government Securities plus 1% or 4%, whichever is higher.. An announcement was made by the Government in September 2010 to maintain the 4.0% floor rate for the SMRA until 31 December 2011. Thereafter, interest rates on all CPF account monies will be subject to a minimum rate of 2.5% per annum, as prescribed by the CPF Act. In addition, from 1 January 2008, the CPF Board will pay an extra interest rate of 1% per annum on the first $60,000 of a CPF member’s combined balances, including up to $20,000 in the OA.

    From 1 July 2010, the first $20,000 in the Ordinary Account and the first $40,000 in the Special Account will not be allowed to be invested under the CPF Investment Scheme ("CPFIS").

    This publication is for general information and general circulation only and does not have any regard to the specific investment objectives, financial situation and particular needs of any specific person. This publication shall not be regarded as an offer, recommendation, solicitation or advice to buy or sell any investment product and shall not be transmitted, disclosed, copied or relied upon by any person for whatever purpose. Any description of investment products is qualified in its entirety by the terms and conditions of the investment product and if applicable, the prospectus or constituting document of the investment product. Nothing in this document constitutes accounting, legal, regulatory, tax, financial or other advice. If in doubt, you should consult your own professional advisers about issues discussed herein.

    The information contained in this publication, including any data, projections and underlying assumptions, are based on certain assumptions, management forecasts and analysis of known information and reflects prevailing conditions as of the date of publication, all of which are subject to change at any time without notice. Although every reasonable care has been taken to ensure the accuracy and objectivity of the information contained in this publication, United Overseas Bank Limited (“UOB”) and its employees make no representation or warranty of any kind, express, implied or statutory, and shall not be responsible or liable for its completeness or accuracy. As such, UOB and its employees accept no liability for any error, inaccuracy, omission or any consequence or any loss/damage howsoever suffered by any person, arising from any reliance by any person on the views expressed or information in this publication.

    This advertisement has not been reviewed by the Monetary Authority of Singapore.

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