Work pass holders are not in CPF at all, and private employer schemes sit outside it with no central register. We identify what is in your name and hand you the contact details and every contact route, ready to use. $99, full refund if we find nothing material.
Millions
In forgotten schemes
Expats
Most at risk
Private
Schemes untracked
If you worked in Singapore and moved on, changed employers, or lost the paperwork years ago, you are in the right place. Pensions are rarely gone. Most of the time the scheme simply lost track of you.
Former expats who worked in Singapore on employment passes, Regional workers on short-term contracts, and PRs who moved abroad.
Singapore's central system, CPF, does not cover work pass holders, so most foreign professionals who worked here were never in it. What they were often in is a private employer scheme, held by an insurer, fund manager, or trustee, and there is no central register that lists those. When the posting ends, the scheme stays behind with the employer and the paperwork goes quiet.
A PensionHunter Pension Identification Report works from what you already know, employer names and rough dates, and identifies the schemes, administrators and administrators your Singapore work history points to. One fixed fee, one clear picture, and a refund if we find nothing material.
Many Singapore expat packages included private pension contributions that are completely separate from CPF. These are held by insurance companies, fund managers and trustees, and are very frequently forgotten when expats move on.
What your Pension Identification Report delivers
Nobody sits between you and your pension. You act the moment the evidence lands.
For Singapore, there is one national fund (CPF (the Central Provident Fund)). Your Pension Identification Report confirms your position, the deadlines that affect it, and the sourced route to reach your record from abroad.
Identification & research only, no financial advice
Start here
$99
Country Pension Identification Report, Singapore
Within 24 to 48 hours
Full refund if we find nothing material.
Enhanced Pension Identification Report ($499): your Action Pack, a complete request pack for every fund we identify, written in your voice and ready to send, delivered within five working days of your intake form. Global Pension Identification Report ($799): the same across every country you worked in, up to all 41 we cover, within ten working days. Full refund if we find nothing material, decided at identification.
At the Country Report you contact the administrators yourself, using the routes in your report. On Enhanced and Global: We stay with your case after delivery. If an administrator asks you a question, refuses, or simply does not reply, send it to us and we will tell you exactly what to send next. That continues until every fund we identified has answered you, or the route is exhausted and we say so plainly.
Your Singapore report, see the full sampleSINGAPORE SAMPLEThis is the Singapore sample, produced by the same methodology that runs every real case.Open the samplePensionHunter is a team of pension researchers working across 41 countries. We do not touch your money, we take no percentage, and every report is reviewed by a human before release.
Doing it yourself
Means working through all of this:
What we do
Human experts + AI, fixed fee:
Identification only. We do not claim, transfer, negotiate, or make decisions regarding any pension.
Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
CPF accounts of all non-SC/non-PR members were auto-closed from April 2024; closed-account money earns only concession interest until 31 March 2027, then nothing, but it is never escheated and stays claimable indefinitely (Form CPF-CA).
A dormant ex-PR pot sits at concession interest until 31 Mar 2027, then at zero yield; it is never escheated and remains claimable with no time limit, but it stops growing.
Personal-record access wall: Singpass
For citizens and PRs, provider identity is trivial, CPF is the single fund, and unclaimedmonies.gov.sg is an official cross-government register. The structural point most foreigners do not realise: work-pass holders are not in CPF at all, so the question for them is not "where is my CPF" but whether any private supplementary scheme (SRS) was set up.
From abroad: Without Singpass and without a Singapore bank account, there is no remote authentication path, an in-person appointment at a Singapore Overseas Mission is the official requirement, which is the single biggest cross-border friction in this market.
SG↔MY largest corridor; SG↔UK, SG↔IN.
Primary sources: cpf.gov.sg · unclaimedmonies.gov.sg
Worked in more than one country? One Global Pension Identification Report covers every country you worked in, up to all 41 we cover.
Cohort-specific guidance for people who worked in Singapore and now live elsewhere.
Whether anyone officially counts unclaimed pensions in Singapore is a question with a published answer, and we keep it on one page: the Singapore row on our pension scoreboard.
For pension schemes and trustees with members in Singapore, see our cross-border member tracing services
Our focus is on private occupational schemes and SRS accounts that are often overlooked outside the CPF system.
Many EP holders had employer pension contributions to private schemes. We trace these.
Yes. Our research covers all relevant registries regardless of where you live.
Our researchers trace employer records, insurance company databases, and fund manager registries.
To find a forgotten pension in Singapore, you need to trace private employer pension schemes, supplementary retirement arrangements and any CPF contributions made during your employment. For expats who have left Singapore, accessing these records remotely is difficult. PensionHunter searches employer records and private pension scheme registries to identify what's likely held in your name; at Enhanced Pension Identification Report ($499) and Global Pension Identification Report ($799), we prepare a complete request pack for each fund we identify, written and ready to send under your signed Information Request Authority (IRA). Country Pension Identification Report ($99) is identification-only and does not require an IRA. We deliver a full written report within five working days of your intake form at Search/Global; Country Pension Identification Report within 24 to 48 hours.
Specific situations we cover. For expats, returning citizens and cross-border workers.
The same kind of guide, other countries
Last reviewed: · Facts verified against the dossier-pipeline gate.
15 pages. 41 countries. Join the list to receive it.
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Some clients order a Pension Identification Report for themselves. Many order it to get their affairs in order: one document their family can find, whatever happens.
We identify what is in your name in Singapore and hand you the contact details and every contact route, ready to use. $99, full refund if we find nothing material.
Find my pensions in SingaporeImportant Information
PensionHunter is a research and administrative assistance service only. We search pension registries and employer records to identify whether pension entitlements may exist in your name, we do not provide financial advice, manage pension funds, arrange pension transfers, or assist with claiming or accessing pension funds.
PensionHunter is not regulated by the Monetary Authority of Singapore (MAS) or any equivalent financial-services or pensions regulator in Singapore. Our service is limited to research and information provision. We charge a fixed research fee paid in advance, Full refund if we find nothing material.
All decisions about your pension, including whether to contact providers, transfer funds, or take any other action, remain entirely yours. We strongly recommend consulting a qualified independent financial adviser regulated in your jurisdiction before making any decisions about any pension we locate.