Applying for CPF Direct Debit (GIRO)

General Process for Applying for CPF Direct Debit (GIRO)

1. Eligibility

   • Employers, self-employed persons, or individuals making voluntary CPF contributions can apply.

   • You must have a bank account with a participating bank in Singapore.

2. Download/Submit GIRO Form

   • Log in to CPF Online Services (via CPF website) using SingPass.

   • Navigate to Employers › e-Submission › eGIRO or Self-Employed / Voluntary Contributions › GIRO Application depending on your role.

   • You can usually submit an online GIRO application through your bank (instant approval if successful), or download the CPF GIRO form and submit it to CPF/your bank.

3. Provide Bank Account Details

   • Enter your bank account number and verify the account holder’s name matches CPF’s records.

4. Bank & CPF Processing

   • If applying online via participating banks, approval can be instant to a few days.

   • Paper form submissions may take 2–4 weeks for processing.

5. Notification of Approval

   • CPF will send you an SMS, email, or letter once the GIRO arrangement is approved.

   • Until approval is confirmed, you must continue making CPF payments manually.

6. Deductions Begin

   • Once approved, CPF contributions will be automatically deducted on the 15th of each month (or the next working day).

✅ Key Notes:

• Employers are strongly encouraged to use GIRO for CPF contributions.