SingaporeMy employer deducted my CPF but didn't contribute it. What recourse?
Your employer must pay your deducted CPF contributions to the CPF Board by the 14th of the following month. If they fail to do so, the CPF Board can recover the amount plus penalties, and your employer may face fines or imprisonment.
What the Law Says
The Central Provident Fund Act makes it a legal duty for employers to remit CPF contributions — including both employee and employer shares — on time. Deducting from salary but failing to pay into CPF is illegal and triggers enforcement action.
Under the Central Provident Fund Act, an employer who deducts CPF contributions from an employee’s wages must pay those amounts to the CPF Board by the 14th day of the month following the month in which the wages were paid.
If the employer fails to pay on time, the unpaid amount becomes a debt owed to the CPF Board — and accrues interest at 10% per annum from the due date.
The law also empowers the CPF Board to recover unpaid contributions, interest, and penalties. Employers who knowingly fail to pay may be prosecuted.
Statutory TextEvery employer shall, within fourteen days after the end of each month, pay to the Board the contributions payable by him and by his employees for that month.
— Central Provident Fund Act, s. 58 — Payment of contributions
What to Do
Check your CPF Statement online via SingPass to confirm missing contributions.
Report the issue immediately to the CPF Board using their online feedback form or by calling 1800-222-5777.
Provide payslips and employment records as evidence of deduction.
The CPF Board will investigate, demand payment from your employer, and recover unpaid amounts plus interest and penalties.
If your employer still refuses, the CPF Board may prosecute — no action is required from you beyond reporting.
Sources
Not legal advice. This article is general information based on publicly available sources, written for educational purposes. Laws change and individual situations vary. Consult a licensed attorney in your jurisdiction before acting on anything you read here. Last reviewed: 2026-06-08.