Evolution of CPF: Access your CPF data and my cpf Online Services more securely and efficiently

05 Jun 2020 

​It is now a given for members to be able to view and make CPF transactions online easily and securely, including checking your CPF account balances, making CPF cash top-ups and even making your CPF nominations, anytime, anywhere. 

But do you know how it got to where it is today?

Evolution of CPF: Access your CPF data and my cpf Online Services more securely and efficiently 
It started with CPF PAL

Before 1987, the only CPF phone service was the Phone Answer on General Enquiries (PAGE). It was available around the clock, but was limited to five general enquiries. To find out your account balances, you had to physically make your way down to the CPF Board headquarters, where a service staff member would look up your records.

Staying on top of their CPF balances should be made convenient for members — this was the thought that led Mr Tan Chok Kian, the Board’s then-Deputy Chairman and Chief Executive Officer to suggest a call-in-for-data service.

CPF PAL, short for Personal Auto-Link, was then brought to life. It widened the services members could access from their home, such as finding out the CPF savings used for their HDB housing loans. All they had to do was to dial the hotline and enter their account number and password!

To keep up with advances in technology, CPF PAL was continually refined. It was joined later by a self-help machine and a website.

From CPF PAL to SingPass Mobile

In 2003, CPF Board, together with Hewlett Packard (HP), helped to develop the SingPass system, offering greater convenience and security for members to access online transactions through a single account. The system was built on the large members’ database from the CPF PAL system, and the latter was eventually phased out.

To further enhance security measures and remove the need for passwords, users can now access their CPF information with just their fingerprint or facial recognition (for selected smartphones) via SingPass Mobile. There is also an additional layer of security via 2-Factor Authentication (2FA) to better protect your data against the rise of cyber threats.

Evolving to provide a seamless online experience 

We may enjoy the efficiency and security of my cpf Online Services today, but pivoting to meet the accelerating needs of our members required both agility and persistence. Over the years, it has undergone many improvements to widen the number of services available. This includes the introduction of the myCPF Mobile App, which provides quick access to information on members’ CPF accounts. Part of a vision to create citizen-centric services, the app allowed members to make CPF transfers or cash top-ups while on the go. 

A recent addition to my cpf Online Services is the digitisation of CPF nomination. Since the start of the year, you no longer have to visit a CPF Service Centre to make a nomination. This process can be done entirely online, anytime, anywhere!

Joining CPF LIFE and applying to withdraw your savings from age 55 are just a couple more examples of the services you can now access safely via my cpf Online Services. 

Log in to my cpf Online Services here to check out the full list of services available!

Part of CPF Board’s dedication to serving you for the past 65 years is keeping your data safe and secure. From the simple phone-based CPF PAL to today’s suite of digital services, we’ve come a long way, and will continue to evolve and adopt the right tools and technology to give you the best online experience possible.


Information accurate as at 5/6/2020

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