In 2025, a rumour spread widely online claiming that Singaporeans making their first CPF withdrawal could receive a bonus payout of S$1,800. Many retirees and soon-to-be retirees began sharing the message on social media and WhatsApp, creating confusion among citizens about whether such a benefit really exists.
This claim has now been debunked. The CPF Board has clarified that no such one-time payout is being offered. CPF withdrawals continue to follow the existing rules, which are structured around age, savings balances, and retirement account requirements.
Where Did the Rumour Come From?
The rumour appears to have started from misleading posts online that mixed up the CPF system with other government payouts such as Assurance Package cash benefits or Workfare bonuses. Because Singapore has rolled out several different cost-of-living payouts in 2025, many citizens assumed the CPF scheme had also introduced a special incentive.
Unfortunately, misinformation spreads quickly, especially when it involves money and retirement. The CPF Board has issued public advisories urging members to verify claims only through official sources like cpf.gov.sg or the MyCPF app.
What Are the Actual CPF Withdrawal Rules?
Singaporeans turning 55 can withdraw their CPF savings, but the amount depends on how much is required to set aside in their Retirement Account (RA). There are three tiers of retirement sums:
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Basic Retirement Sum (BRS)
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Full Retirement Sum (FRS)
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Enhanced Retirement Sum (ERS)
Only the remaining savings above the required sum can be withdrawn in cash. For example, if you have more savings than the FRS, the excess can be withdrawn at age 55. Otherwise, most of the money will be transferred into the RA to provide monthly payouts under CPF LIFE once you reach payout eligibility age.
There is no additional S$1,800 payout for first-time withdrawers. Withdrawals are strictly regulated to balance immediate needs with long-term retirement security.
Why Believing This Rumour Can Be Risky
Relying on such false claims can lead to poor financial planning. Some Singaporeans may expect a sudden cash boost that never arrives, leaving them unprepared for retirement expenses. Others might delay or rush their CPF decisions based on misinformation.
The CPF Board strongly advises all members to check their official statements and use CPF’s online calculators before making withdrawal decisions. Planning based on verified information is the best way to avoid disappointment.
What Support Exists for Retirees?
While the S$1,800 CPF payout rumour is false, retirees are still supported through other government schemes. These include:
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Assurance Package (AP) Cash Payouts of up to S$700 in 2025.
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GST Vouchers to offset everyday expenses.
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Workfare bonuses for older workers who continue to remain employed.
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MediSave top-ups for seniors, ensuring medical needs are covered.
These measures show that the government is already providing significant support, just not in the form of an additional CPF withdrawal bonus.
Key Takeaway
The CPF withdrawal system remains unchanged in 2025. There is no S$1,800 payout for first-time withdrawers, and all withdrawals follow the usual rules regarding retirement sums. Always rely on official CPF announcements rather than viral messages.
FAQs
Is there an S$1,800 CPF bonus for first-time withdrawals?
No. The CPF Board has confirmed this rumour is false. Withdrawals only follow existing rules.
What age can I withdraw my CPF?
You can start withdrawing savings from age 55, subject to meeting your required retirement sum.
How much can I withdraw at 55?
The amount depends on how much you set aside for your Retirement Account. Excess savings above the Full Retirement Sum (FRS) can be withdrawn.
What schemes actually provide cash payouts in 2025?
Schemes like the Assurance Package, Workfare Bonus, and GST Vouchers provide direct payouts, not CPF withdrawals.
How can I check if I qualify for any payout?
Log in to cpf.gov.sg or use the MyCPF app to view your retirement balance and official payout details.
Click here to know more.