Finding lost money in Singapore.
Retirement savings in Singapore sit with the Central Provident Fund Board. If you worked there and left, start with your CPF account. Foreign workers have been outside CPF since 2003, and accounts of non-citizens were closed in 2024.
Last read: 1 November 2026
Pensions
State pension: Central Provident Fund Board. CPF savings held in Singapore. Non-citizens and non-PRs close their account to move savings to a bank account. From abroad: From overseas, if no other method applies, you post the closure form and documents by registered mail. They must be certified at a Singapore Overseas Mission, or apostilled where that applies.
Key facts and sources
- From 1 January 2003, CPF contributions are exempted for foreign employees, so contributions are only payable for Singapore Citizens and SPRs. Source: cpf.gov.sg, read 1 November 2026.
- If you were not a Singapore Citizen or PR before 1 April 2024, your CPF account was closed automatically in April 2024. Remaining savings stop earning the prevailing CPF interest, with a concession rate until 31 March 2027 and no interest after that. Source: cpf.gov.sg, read 1 November 2026.
- Overseas, a non-citizen with no other method posts the closure form and original documents by registered mail, certified by an official at a Singapore Overseas Mission or apostilled. Source: cpf.gov.sg, read 1 November 2026.
Other lost money
- Official money registers: Lost and forgotten Monies (Public Trustee's Office, Ministry of Law). Lists you can search by your name or a deceased next of kin's name, covering deceased estates, bona vacantia estates and motor accident compensation settlements. Run by: Public Trustee's Office, Ministry of Law.
- Official money registers: Lost and forgotten funds (Singapore Supreme Court). Funds from Supreme Court cases that no one has collected go to the government after 6 years, and the page points to the unclaimedmonies.gov.sg site for other deposit accounts. Run by: Singapore Judiciary.
Questions
How do I find a lost pension in Singapore?
Start with the Central Provident Fund Board. Its contact page is the official route. Foreign employees have been exempt from CPF contributions since 1 January 2003, so older years are the ones to check.
What happened to CPF accounts of non-citizens?
If you were not a Singapore Citizen or PR before 1 April 2024, your account was closed automatically in April 2024. Remaining savings stop earning CPF interest, with a concession rate until 31 March 2027.
Can I deal with my Singapore CPF from abroad?
Yes, by post. If no other method applies, you send the closure form and original documents by registered mail. They must be certified at a Singapore Overseas Mission or apostilled.
Worked in more than one country?
No national tool looks across borders. PensionHunter traces pensions left behind across borders. It is run by Battersea Park Capital. Capital Find Money's founder has an interest in it, and we feature it because no national tool looks across countries. Try the free lost pension checker. Our own count of pensions left behind and the guides are free.
We always point people to the free government tracing route first, and we take nothing from financial advisers.