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SkillsFuture Credit aims to encourage individual ownership of skills development and lifelong learning. All Singaporeans aged 25 and above will receive $500 credit from January 2016. This topic addresses the features and commonly asked questions about SkillsFuture Credit.
Frequently Asked Questions
When must I submit my claim for SkillsFuture Credit?
At the point of course registration, you should inform your Training Partner that you intend to use your SkillsFuture Credit in part of in full for the qualifying course fee. You should then submit your claim via MySkillsFuture within 60 days before the course start date (date inclusive).
For Massive Open Online Courses (MOOCs), offered by overseas Training Partners, you may pay the gross course fees up front to the Training Partner and submit the claim for reimbursement of SkillsFuture Credit to you within 60 days before and 90 days after the course start date.
What happens if an individual has already paid for a course in full and wishes to use SkillsFuture Credit subsequently?
If you have already made an initial self-payment for a course in full, you will not be able to use SkillsFuture Credit for the course. You may use your SkillsFuture Credit for subsequent courses.
When can I start claiming my SkillsFuture Credit? How will I be notified about my SkillsFuture Credit Account?
All Singapore Citizens aged 25 and above will be able to access their SkillsFuture Credit account and submit claims once they have received their account activation letter.
Those turning 25 years old will receive their SkillsFuture Credit account activation letter by the first quarter of the same year. They will also receive a brochure with steps on how to search for the list of approved courses and how to use their credit.
As announced at Budget 2020, Singaporeans who are eligible for the SkillsFuture Credit Top-up* and Additional SkillsFuture Credit (Mid-Career Support)^ will receive the new SkillsFuture Credit provisions in their SkillsFuture Credit account available for use from 1 October 2020. You can log in to your SkillsFuture Credit account at MySkillsFuture after 1 October 2020 to check your SkillsFuture Credit balance.
*Singapore Citizens aged 25 or above by 31 December 2020 will receive the SkillsFuture Credit Top-up of $500.
^Singapore Citizens aged 40 to 60 by 31 December 2020 will receive the Additional SkillsFuture Credit (Mid-Career Support) of $500.
New Singapore Citizens aged 25 and above will receive their SkillsFuture Credit account activation letter within the next quarter after they receive their Singapore citizenship.
Can I use my credit to co-fund the course fees of training that my employer will be sending me for?
No. The SkillsFuture Credit supports individual-initiated training. It is not intended to pay for training provided by employers, which should continue to be borne by your employer.
SSG has been supporting the efforts of employers through the substantial subsidies that we provide for employer-supported training.
I have registered for a course that I found on the course directory on MySkillsFuture.gov.sg with the Training Partner. However, I am unable to find this course when I try to submit a claim in MySkillsFuture. What should I do?
Please ensure that you have entered your course details (for example, course ID, course name or Training Provider) accurately in the course search field.
If you are still unable to find your course, please submit your query to SkillsFuture Singapore (SSG) at https://portal.ssg-wsg.gov.sg.
Where can I seek advice on the type of courses I should sign up for to help me improve my skills and advance in my career?
You may search for courses in areas you are interested in or related to your career via the course directory at MySkillsFuture.gov.sg using keyword search or browsing by industry or specific areas of training. The MySkillsFuture portal also provides industry information and tools to help individuals search for suitable training programmes.
You are also encouraged to sign up for our SkillsFuture Advice workshops via http://www.skillsfuture.gov.sg/advice to find out useful information on SkillsFuture programmes and how you can tap on the various resources for your career planning and upgrading needs.
Individuals who require additional support can sign up for a one-to-one Skills and Training Advisory consultation with our Skills Ambassador to identify suitable training courses and providers, via https://www.myskillsfuture.gov.sg/content/portal/en/career-resources/career-resources/education-career-personal-development/skills-training-advice.html
If you need further career advisory and matching services, you may also visit https://www.mycareersfuture.sg or contact Workforce Singapore’s Careers Connect and NTUC’s Employment and Employability (e2i) Career Centres.
Can I access MySkillsFuture.gov.sg without using Singpass?
You can access MySkillsFuture without Singpass.
However, to submit a claim for MySkillsFuture Credit, you will need to log in to your SkillsFuture Credit account using your Singpass. Please register for Singpass here to set up the 2-Step Verification (2FA) if you have not done so.
We also encourage you to log in to access features, such as your personal dashboard to set alerts for courses you are interested in, and document your skills and training records with Skills Passport.
If you experience any issues relating to Singpass, you may:
1. Visit www.singpass.gov.sg
2. Email support@singpass.gov.sg
3. Call Singpass Helpdesk at +65 6643 0555
Alternatively, you may seek assistance from WSG's Careers Connect Centres here.
The course I am interested in is not eligible for SkillsFuture Credit. I would like to have the course that I am interested in attending to be eligible for SkillsFuture Credit. How can I appeal for the course to be eligible for SkillsFuture Credit?
Please approach the Training Partner to consider submitting the course to be approved for use with the SkillsFuture Credit subject to the eligibility criteria. The course will be eligible for SkillsFuture Credit use once it is approved.
The SkillsFuture Credit can only be used for skills-related courses with clear and relevant learning outcomes and can be used to pay for a wide range of approved courses including:
a. Courses subsidised or approved by the SkillsFuture Singapore Agency
b. Selected courses offered by Ministry of Education-funded institutions*
c. Courses supported by public agencies
d. SkillsFuture@PA courses offered by the People’s Association, courses offered by the Infocomm Media Development Authority of Singapore’s Silver Infocomm Junctions and selected courses under the National Silver Academy^
* Institute of Technical Education, polytechnics, autonomous universities, SIM University, LASALLE College of the Arts and Nanyang Academy of Fine Arts
Training Partners may refer to www.skillsfuture.gov.sg/credit/trainingproviders for more details.Can I transfer my expiring SkillsFuture Credit (SFC) to my family members instead, especially if they have greater need for skills training, and can put it to better use than me?
No, the SFC is not transferable to other individuals as it is meant to support individual ownership of skills development and lifelong learning.
Besides the SFC, eligible individuals are also able to access subsidies of up to 90% for MOE- and SSG-supported courses at the Institutes of Higher Learning (IHLs) and approved private training providers.
I am retired. Why can’t I transfer my SkillsFuture Credit to my children or relatives who are working?
SkillsFuture Credit is meant to support the learning needs of Singaporeans by defraying out-of-pocket course fees. All Singaporeans aged 25 and above will receive their own SkillsFuture Credit account.
Will the credit be accrued to my CPF account when I retire? Why can’t I transfer my credit to my CPF account if I don’t fully utilise it?
No. SkillsFuture Credit cannot be converted into cash. It can only be used to pay for or offset the out-of-pocket course fees of approved courses.
Can I use my SkillsFuture Credit to pay for Massive Open Online Courses such as Coursera or Udemy?
Courses by Coursera and Udemy are no longer eligible for SkillsFuture Credit since 5 Jan 2020 and 8 Jan 2022 respectively. As of Jun 2022, SkillsFuture Credit can only be used for Massive Open Online Courses offered by ECornell.
Udemy courses are now available on National Library Board’s eLearning resource. You can refer to this link for more information and access more than 13,000 Udemy courses for free with your NLB account.
Who is eligible to use SkillsFuture Credit to subscribe to online learning packages?
All Singaporeans aged 25 and above who have received SkillsFuture Credit are eligible to use their SkillsFuture Credit to subscribe to the online learning packages offered by the selected online learning platform partners. Eligible Singaporeans can only use the opening SkillsFuture Credit and the one-off SkillsFuture Credit Top-Up for the subscription packages.
The Additional SkillsFuture Credit (Mid-Career Support) can only be used for selected courses which support reskilling and career transition such as the SkillsFuture Career Transition Programmes. The Additional SkillsFuture Credit cannot be used to subscribe to online learning packages.
How do I find the list of courses covered in the subscription?
You can find the list of courses covered in the subscription on NTUC LearningHub, Gnowbe and ZilLearn platforms.
Can I sign up and use my SkillsFuture Credit for multiple subscription plans offered under the pilot?
Yes, you can sign up and use your SkillsFuture Credit for multiple subscription plans across the various partners under the pilot.
Can I use my SkillsFuture Credit for subscription plans not offered by NTUC LearningHub, Gnowbe and ZilLearn?
For this pilot phase, SkillsFuture Credit can only be used for subscription plans offered by NTUC LearningHub, Gnowbe and ZilLearn. SSG will monitor the outcomes from this pilot and explore other online learning platforms after taking in the lessons from this pilot.
How do I submit a claim for the subscription?
If you wish to tap on your SkillsFuture Credit to offset the subscription fees, you can submit your SkillsFuture Credit claim via the online platform you have chosen to subscribe to.
Click on their respective links to find out more: NTUC LearningHub, Gnowbe or ZilLearn platforms.
What is included in the subscription?
During the subscription period, you will have access to a wide range of bite-sized online courses curated for Singaporean learners by the online learning platform partners.
Are the courses accredited?
The courses are curated by the online learning platform partners where some of the courses are accredited by external organisations. You may refer to their course detail pages for more information. These courses are not curated or accredited by SSG.
Can I just pay for the course which I want to take instead?
No, the subscription covers access to a wide range of bite-sized online courses curated for Singaporean learners by each online learning platform partner. If you would like to sign up for individual courses, you can visit MySkillsFuture course directory to view the courses that are eligible for SkillsFuture Credit.
Can I try out one course first to make sure that this is what I want?
You can refer to the individual online learning platforms to see if there are free trials available before subscribing to the package. There is strictly no refund of subscription fees upon subscription.
What happens if I don’t have enough SkillsFuture Credit in my SkillsFuture account?
You can pay the balance using other payment methods accepted by the online learning platform partner.
What is the SkillsFuture Credit claim submission period for the subscription?
You will need to claim the SkillsFuture Credit prior to the start of your subscription plan. At the point of registration and payment for the subscription, you will be asked to indicate the amount of SkillsFuture Credit you wish to use to offset the subscription fee. SSG will disburse the equivalent amount to the online learning platform. Upon successful registration and payment, the subscription period will commence.
Will I see the submitted SkillsFuture Credit claim for the subscription?
Yes. You may follow these steps to login to access your SkillsFuture Credit account details:
a) Go to https://www.myskillsfuture.gov.sg/
b) Click on ‘Login’
c) Upon login, click on ‘SkillsFuture Credit’
You will be able to view all your SkillsFuture Credit claim applications and credit transaction history and its corresponding status.
What if I did not attend a single course during the subscription period? Will I be penalised?
There is strictly no refund of the SkillsFuture Credit used. We encourage you to make full use of your SkillsFuture Credit to build relevant skills in your area of interest.
Can I share my subscription plan with others i.e. letting other people log in using my subscription account?
Each online learning platform partner will have its own Terms of Use concerning account management. Please check with the online learning platform partner.
I already have an existing paid subscription account with NTUC LearningHub, Gnowbe and ZilLearn. Can I claim for the subscription fees retrospectively?
No, you will need to claim SkillsFuture Credit prior to the start of your subscription plan. No retrospective claims are allowed.
Will the subscription pilot be expanded beyond those offered by NTUC LearningHub, Gnowbe, and ZilLearn? What if other online platform companies would like to come onboard this pilot?
SSG is working with a small number of providers as part of the pilot as the intention is to test the effectiveness of Micro-Learning Courses (MLCs) in achieving its learning outcomes and public receptiveness towards MLCs. If the pilot is successful, SSG will consider expanding the scheme.
How do I access the MySkillsFuture portal?
Please enter www.myskillsfuture.gov.sg into your preferred browser. From there, navigate to ‘Digital Services’ > ‘Individuals’ > ‘Claim SkillsFuture Credits’ to prompt login into the portal.
You are also able to prompt login via the Tools and Resources tab, Course Search and Profile Icon dropdown.
What do I need to login to the MySkillsFuture portal?
You are required to login with your Singpass.
Where can I see my credits?
Upon login, MySkillsFuture landing page will provide an overview of account details. Under ‘Account Details’, you can view your balance of your SkillsFuture Credit , and ‘Open Claims’. If you are eligible for the one-off SkillsFuture Credit Top-up and Additional SkillsFuture Credit (Mid-Career Support), you will also see the balance in this section.
What does ‘SkillsFuture Credit’ consist of?
SkillsFuture Credit includes
- $500 SkillsFuture Credit to all Singaporeans aged 25 and above
- $500 one-off SkillsFuture Credit top-up provided to every Singapore Citizen aged 25 years and above as at 31 December 2020
Both are claimable for a wide range of SkillsFuture Credit-eligible courses listed on MySkillsFuture portal.
- $500 SkillsFuture Credit to all Singaporeans aged 25 and above
What is ‘Additional SkillsFuture Credit (Mid-Career Support)’?
Additional SkillsFuture Credit (Mid-Career Support) is a one-off SkillsFuture Credit of $500. This was provided on 1 October 2020 to every Singapore Citizen (SC) aged 40 to 60 (inclusive) as at 31 December 2020, The Additional SkillsFuture Credit (Mid-Career Support) is over and above the $500 SkillsFuture Credit top-up for SCs aged 25 and above as at 31 December 2020.
Eligible individuals can use the Additional SkillsFuture Credit (Mid-Career Support) for the following courses:
1) SkillsFuture Career Transition Programmes
2) Courses delivered by SSG-appointed CET centers
3) Courses that fulfil training requirements for Progressive Wage Model sectors
4) Full qualification programmes delivered by Institutes of Higher Learning as well as MOE- subsidised full qualification courses offered by Nanyang Academy of Fine Arts and LASALLE College of the Arts
When will my credits expire?
The original $500 SkillsFuture Credit that was provided in 2016 will continue to have no expiry if it has not been used yet.
Any unused One-Off SkillsFuture Credit Top-up and Additional SkillsFuture Credit (Mid-Career Support will expire on 31 December 2025.
As such, you are encouraged to take timely action to learn, reskill, and seize new career opportunities..
What are ‘Open Claims’?
‘Open Claims’ display submitted claim amounts that has yet to be disbursed.
How do I submit a claim?
On your landing page, under ‘Account Details’ > click on ‘Proceed to Submit a Claim’.
Next, select a course by keying in ‘Course Name’ / ‘Training provider’.Select ‘Course Run’ / ‘Course Start Date’, key in the amount of credit to claim and upload your supporting documents.
Alternatively, if your training provider has submitted your enrolment records in the system, you may submit your claim using the enrolment. To do so, under ‘Account Details’ > click on ‘View Course Enrolments’. From the ‘Enrolled Courses’ list, click “Submit claim” for the course you wish to utilise your SkillsFuture Credits for. You will be redirected to the claim submission page; key in the amount of credits to claim, upload the supporting document, agree to T&Cs and click “Submit”.
What is course enrolment or enrolled course?
Training providers are required to submit trainees’ enrolment records through TPGateway. If your training provider has submitted your enrolment, it will be reflected under ‘View Course Enrolments’ under ‘Account Details’.
With enrolment records, it facilitates your claim submission, and you are no longer required to key in your course details (i.e. course title and course start date).
Note: The enrolment records will be removed after course start date.
Why did I receive a pop-up message “Your Training Provider has provided your enrolment details for this course. Click Next to proceed with claim submission for this enrolment.”
You will receive the message if your training provider has uploaded your enrolment records into the system. To proceed with the claim submission for the course enrolment, select ‘Next’ in the pop-up message box. You will be redirected to the claim submission page; key in the amount of credits to claim, upload the supporting document, agree to T&Cs and click “Submit”.
How will I receive my claim disbursements for Massive Online Open Courses (MOOCs) offered by overseas Training Partners?
You will receive your claim disbursement via the PayNow account that is tagged to your NRIC. There is no need to input your PayNow details anywhere in the portal.
However, if you do not have a PayNow account tagged to your NRIC, you will experience an error message before you can submit your claim. In this case, please contact your bank to set-up a PayNow account.
Can I submit multiple claims at once?
No, you can only submit one claim at a time.
What is the claim submission period for me to submit claims via SkillsFuture Credit Pay APIs?
SkillsFuture Credit Pay can only be used for Pay to Training Partner claims. Therefore, you can only submit the claims 60 days prior to the start of the course, and latest on the day of the course. You will not be able to submit the claim after the course start date.
Can I submit my claim on the course start date?
Yes, you can still be able to submit claim on the course start date itself.
Will submitted claims be automatically approved by SSG?
No, all claims will be processed as per the current process before they are approved or rejected.
How will I know if I have sufficient SkillsFuture Credit balance to submit a claim?
You can view your available balance in your SkillsFuture Credit wallet, under ‘Account Details’. You can only submit claims for amounts that are less than or equal to your account balance, or equal to the full course fee, whichever is lower.
Can I submit multiple claims amounting more than my SkillsFuture Credit balance before the claims are approved?
No, you cannot do so. The claim amount submitted will be earmarked until the claim is cancelled.
Can I edit my existing claim submission?
No, you cannot do so. You have to cancel the claim submission and submit a new claim with revised details.
How do I cancel a claim?
Under ‘Claim Applications’, navigate to the claim in which you would like to cancel. Click ‘View More’ > ‘Cancel Claims’ to proceed to cancel your claim and select the cancellation reason.
When can I cancel my claim submission?
You can cancel your claim upon submission, and before the course start date.
Can I cancel my claim on the course start date?
You can cancel your claim on the course start date only if the claim status shows ‘Submitted’ or ‘Pending Approval’.
Under what circumstances can I cancel a claim?
There are 5 scenarios in which you are allowed to cancel a claim:
- You do not wish to use your credit
- You were not enrolled for the course
- The course has been cancelled
- The course has been postponed
- You wish to resubmit a new claim with revised details
Under what circumstances will I experience a wallet closure?
In the event of death, renouncement of citizenship, and other specific circumstances, your wallet will be closed.
What are the different statuses of my claims?
The different statuses are:
- ‘Approved’, the claim has been processed successfully
- ‘Pending’, the claim submitted is under review
- ‘Cancelled’, the claim submitted has been cancelled
- ‘Suspended’, the claim is under further review
- ‘Rejected’, the claim submitted is not approved
- ‘Paid to TP’, the claim submission amount has been disbursed to TP
- ‘Paid’, the claim has been paid out to you
What are the different types of attachment and file size that I can upload as supporting documents for my claim?
You can upload up to 10 files, with a maximum of 4 MB in total. We accept all types of file format including pdf, doc, docx, xls, xlsx, tif, tiff, jpg, jpeg, png.
Please ensure that your file name is less than 255 characters and does not include any special characters such as *,/,\,<,>,:,” else there will be an error message to remind you to update the file name before submission.
Will I receive SMSes about my claim approval?
No SMS will be sent to you on claim approval. To view your claim status, you can log in to MySkillsFuture.
If I submit a claim via SkillsFuture Credit Pay without supporting documents, but posted a feedback (CRM) with the supporting documents, can my claim be approved?
No, you will have to submit a new claim with the attached supporting documents.
Why did I receive this error message “Available balance is less than claim amount” when I submit a claim?
This could be due to 2 possible scenarios:
- You have tried to submit a claim amount more than what is available in your SFC balance; or
- You have submitted a claim that would utilise the SFC Top-ups and the course start date of your claim is earlier than the effective date of the SFC Top-ups (i.e. 1 October 2020). Please be reminded that you can only start using the SFC Top-ups for course runs starting from 1 October 2020.
Why was my SFC claim cancelled by the system the next day?
If you had submitted a claim via SkillsFuture Credit Pay but did not make any payment within 24 hours, the claim will be cancelled the following day. Please proceed to resubmit the claim.
What is SkillsFuture Credit?
SkillsFuture Credit aims to encourage individual ownership of skills development and lifelong learning.
All Singaporeans aged 25 or above will receive SkillsFuture Credit of $500 from January 2016. This will not expire and you may accumulate your credit for a range of eligible courses on MySkillsFuture.
On 1 October 2020, the Government provided a one-off SkillsFuture Credit Top-up of $500 for all eligible Singaporeans aged 25 or above by 31 December 2020. Singaporeans aged 40 to 60 as of 31 December 2020 also received an Additional SkillsFuture Credit (Mid-Career Support) of $500. These new SkillsFuture Credit provisions will expire on 31 December 2025.
What is SkillsFuture Credit for?
The SkillsFuture movement supports Singaporeans in their lifelong pursuit of skills mastery. It helps Singapore in its transformation into an advanced economy. It also aims at helping Singaporeans build relevant skills in their areas of interest, to maximise their potential and fulfil their personal and career aspirations.
The SkillsFuture Credit was introduced in 2015 with an important message that every Singaporean is in charge of their own pursuit of skills mastery and their lifelong learning journey. It is meant to instil individual agency, encourage individuals to take up training and develop the culture of lifelong learning.
What is the one-off SkillsFuture Credit Top-Up about?
To support Singaporeans to continue learning, the Government provided a one-off SkillsFuture Credit Top-Up of $500 for all eligible Singaporeans on 1 October 2020.
This SkillsFuture Credit Top-Up is in addition to the SkillsFuture Credit of $500 from 2015. Any unused credit from this top-up will expire on 31 Dec 2025.
What is the one-off Additional SkillsFuture Credit (Mid-Career Support) about?
To improve access to reskilling programmes, the Government provided an Additional SkillsFuture Credit (Mid-Career Support) under the SkillsFuture Mid-Career Support Package of $500 on 1 October 2020 for all eligible Singaporeans aged 40 to 60 as of 31 December 2020. Any unused credit from this top-up will expire on 31 December 2025.
This Additional SkillsFuture Credit (Mid-Career Support) is in addition to the SkillsFuture Credit Top-Up of $500 for all eligible Singaporeans.
Why is the Additional SkillsFuture Credit (Mid-Career Support) set at $500?
The Additional SkillsFuture Credit (Mid-Career Support) was set at $500, taking into account the net course fees of SkillsFuture Career Transition Programmes at Continuing Education & Training Centres. This is on top of the existing training subsidies under the SkillsFuture Mid-Career Enhanced Subsidy for Singaporeans aged 40 and above, which provides enhanced funding support of up to 90% of course fees.
Can I combine the Additional SkillsFuture Credit (Mid-Career Support) with my existing SkillsFuture Credit for training programmes?
The Additional SkillsFuture Credit (Mid-Career Support) can be used with existing SkillsFuture Credit for SkillsFuture Career Transition Programmes and other selected courses such as:
· Courses delivered by SSG-appointed CET centers
· Courses that fulfil training requirements for Progressive Wage Model sectors
· Full qualification programmes delivered by Institutes of Higher Learning as well as MOE- subsidised full qualification courses offered by Nanyang Academy of Fine Arts and LASALLE College of the Arts
To view these courses under the SkillsFuture Career Transition Programme, you may browse the course directory at MySkillsFuture and click on the “SkillsFuture Career Transition Programme” keywords below the search bar.
Will the SkillsFuture Credit Top-Up and Additional SkillsFuture Credit (Mid-Career Support) expire?
Any unused SkillsFuture Credit Top-Up and Additional SkillsFuture Credit (Mid-Career Support) will expire in five years, after 31 December 2025. As such, you are advised to plan your learning and skills development journey early.
Why is there an expiry for the SkillsFuture Credit Top-Up?
This is to encourage Singaporeans to take timely action to reskill and upskill, and be better prepared to seize new career opportunities.
If the intent of the SkillsFuture Credit (SFC) is to encourage lifelong learning, why is there an expiry date for the Additional SkillsFuture Credit (Mid-Career Support)?
The Additional SkillsFuture Credit (Mid-Career Support) is time-limited to encourage individuals to take timely action to learn, reskill and seize new career opportunities.
Can I request for an extension on the expiry period of the one-off top-up SkillsFuture Credit (SFC) if I have a valid reason (e.g. PMET posted overseas)?
There will be no extension of the expiry period for the time-limited SFC. Singaporeans working overseas can consider utilising their credit through SFC-eligible online courses such as Massive Online Open Courses (MOOCs).
Why are future cohorts not eligible for the SkillsFuture Credit Top-Up?
The top-ups provided are one-off and time-limited. Younger Singaporeans who are under 25 as of 31 Dec 2020 are not eligible for the top-ups from Budget 2020, but will still be eligible to receive an opening credit of $500 when they turn 25. The Government will continue to assess the need for SFC top-ups from time to time taking into consideration factors such as the Government’s fiscal position, the SFC utilisation rates and patterns, economic conditions, and the overall training participation rate.
Which government agency is handling SkillsFuture Credit?
It is administered by SkillsFuture Singapore (SSG).
Why is SkillsFuture Credit offered only to individuals? Will the Government extend support to employers?
The SkillsFuture Credit aims to strengthen individual ownership of skills development and lifelong learning. Hence, it is only available to individuals.
Eligible employers can access a $10,000 SkillsFuture Enterprise Credit (SFEC) to support their investment into enterprise and workforce transformation.
In addition, employers are eligible for generous course fee subsidies for SSG-supported courses. Under the Enhanced Training Support for SMEs, SMEs receive up to 90% course fee subsidy when they sponsor their employees for training. Employers who sponsor their Singaporean workers aged 40 years and above for training can also receive up to 90% course fee subsidies for SSG-supported courses under the SkillsFuture Mid-Career Enhanced Subsidy.
When I make a claim, can I select which Credit to use?
For claims on SFC-eligible courses, SSG will deduct from the time-limited Credit first before drawing down from the Opening Credit which does not expire.
For claims on SkillsFuture Career Transition Programmes, SSG will first deduct from the Additional SkillsFuture Credit (Mid-Career Support) before drawing down from the time-limited Credit, then subsequently the Opening Credit which does not expire.
Is SkillsFuture Credit a cash account? Will the credit earn interest?
SkillsFuture Credit is not a cash account and it will not earn any interest.
The credit can be used to offset out-of-pocket course fees when attending approved courses. You cannot withdraw cash from this account to pay your Training Partner as the transactions will be made directly through MySkillsFuture.
I am a Singapore Citizen turning 25 next year. When will I receive my credit?
For the SkillsFuture Credit, you will receive your account activation letter by the first quarter of the same year you turn 25. You may proceed to make SkillsFuture Credit claims upon receipt of your account activation letter.
What kind of courses can SkillsFuture Credit and SkillsFuture Credit Top-up be used for?
Your credits from SkillsFuture Credit and SkillsFuture Credit Top-up can be used on top of existing Government course subsidies to pay for a wide range of approved work skills-related coursesCourses subsidised or approved by SkillsFuture Singapore (SSG)
- Selected courses offered by Ministry of Education (MOE)-funded institutions*
- Courses supported by public agencies
- SkillsFuture@PA courses offered by People’s Association, courses offered by Infocomm Media Development Authority's Silver Infocomm Junctions and selected courses under the National Silver Academy
* Institute of Technical Education, polytechnics, autonomous universities, Singapore University of Social Sciences (formerly SIM University), LASALLE College of the Arts and Nanyang Academy of Fine Arts
What kind of courses can the Additional SkillsFuture Credit (Mid-Career Support) be used for? How to identify courses that are eligible for Additional SkillsFuture Credit (Mid-Career Support)?
1) SkillsFuture Career Transition Programmes
2) Courses delivered by SSG-appointed CET centers
3) Courses that fulfil training requirements for Progressive Wage Model sectors
4) Full qualification programmes delivered by Institutes of Higher Learning as well as MOE- subsidised full qualification courses offered by Nanyang Academy of Fine Arts and LASALLE College of the Arts
The above programmes, which cover a range of sectors and job roles, were curated based on industry needs to provide the relevant skills training to help mid-career individuals enhance employability.
Will mid-career individuals be given any guidance so that they know which useful skillsets or courses they should go for?
SkillsFuture Singapore has various resources to help Singaporeans make more informed choices about their training plans. The MySkillsFuture portal offers industry information and tools to help individuals search for suitable training programmes.
In addition, the CET Centres also provide career advisory services for individuals who participate in 1) SkillsFuture Career Transition Programmes. The career advisory service will provide participants of the programmes with the support they require to find a new job in the sector that is relevant to the training. You may contact the relevant CET Centres offering these courses for further enquiries.
To view these courses, you may browse the course directory at MySkillsFuture and click on the “SkillsFuture Career Transition Programme”.
Why does the SkillsFuture Credit only support skills-related courses?
Technology and globalisation are changing the nature of jobs in the future. It is important for Singaporeans to upgrade their skills to stay relevant and meet the evolving needs of the economy. We want to support Singaporeans in bridging skills gaps, broaden and deepen skills, and help them advance in their careers. This is in line with the objectives of SkillsFuture.
Can SkillsFuture Credit be used for courses taken at overseas institutions?
No, SkillsFuture Credit can only be used for approved courses held in Singapore or approved online courses.
I am retired. Can I use my SkillsFuture Credit for recreational courses such as those offered by People’s Association?
No. SkillsFuture Credit cannot be used for recreational courses offered by People’s Association. However, seniors can consider using their credit for:
- SkillsFuture@PA courses offered by People’s Association
- Basic IT courses offered by the Infocomm Media Development Authority’s participating Silver Infocomm Junctions and Silver IT Fest
- National Silver Academy courses
Why can’t I use my SkillsFuture Credit at private education institutes?
SkillsFuture Credit can only be used for approved courses offered at selected private education institutes, such as Continuing Education and Training (CET) Centres appointed by SSG or other SSG-approved training organisations, and MOE-funded arts institutions such as LASALLE College of the Arts and Nanyang Academy of Fine Arts.
Are degree and post-graduation courses eligible for SkillsFuture Credit?
Selected degree and post-graduation courses offered by MOE have been listed on the course directory at MySkillsFuture. If you cannot find the course listed on the course directory, it is not eligible for SkillsFuture Credit.
Why are the eligible training courses for Additional SkillsFuture Credit (Mid-Career Support) for those aged between 40 to 60 so limited?
This Additional SkillsFuture Credit (Mid-Career Support) is meant to enable those aged between 40 to 60 to better access reskilling programmes in order to remain employable for the long-term. Hence, it can only be used for selected courses that lead to clear employment outcomes. SkillsFuture Singapore is working with the Continuing Education & Training Centres to increase the range of offerings.
Why are courses from the Civil Service College not eligible for SkillsFuture Credit?
Civil Service College’s courses are not eligible for SkillsFuture Credit as they are not open to the general public.
I would like to sign up for SkillsFuture credit eligible courses. Where can I search for these courses?
On the homepage, you can search for courses using the search bar, or you can click on "View Courses" to browse the course directory. You can search for courses according to industry, a specific area of training, or the SkillsFuture Series on emerging areas such as Advanced Manufacturing or Cybersecurity. All courses listed on the MySkillsFuture Portal are eligible for SkillsFuture Credit claim.
For more information on Courses, please visit Courses FAQs.
Can I sign up and register for these courses directly through MySkillsFuture.gov.sg?
You will need to register the course directly with the Training Partner.
What are the changes to funding of non-certifiable courses?
Non-Certifiable Courses are currently funded at up to $2 per hour. These courses are also granted eligibility to be SkillsFuture Credit-claimable if they are offered to the public. Given that such courses do not deliver clear and tangible outcomes for our workforce and enterprises, SSG will stop funding Non-Certifiable Courses after 31 December 2024. Correspondingly, such Non-Certifiable Courses will also no longer be eligible for SkillsFuture Credits after 31 December 2024.
Why did SSG decide to cease funding for non-certifiable courses?
This change is part of SSG’s continuous effort to ensure courses remain industry-relevant, and prioritise funding towards courses that support enterprise transformation and employment and employability objectives such as placement into jobs and wage increase
Would these non-certifiable courses still be eligible for SkillsFuture Credit (SFC)?
Such courses will not be claimable using SFC. With the cessation of funding for non-certifiable courses, their corresponding eligibility for SFC will also be removed.
Why is the eligibility for SkillsFuture Credit automatically removed when SSG’s funding for non-certifiable courses cease?
The eligibility criteria for courses to be claimable by SkillsFuture Credit are as follow:
- Courses subsidised or approved by SkillsFuture Singapore (SSG) including online courses
- Selected courses offered by Ministry of Education (MOE)-funded institutions.
- Courses supported by public agencies.
- SkillsFuture@PA courses offered by the People’s Association, courses offered by the Infocommunications Media Development Authority of Singapore (IMDA)’s Silver Infocomm Junctions and selected courses under National Silver Academy.
With the cessation of SSG’s funding for non-certifiable courses, such courses will no longer meet the eligibility criteria for SkillsFuture Credit.
Does this move reduce the variety of course choices available for individuals?
There will still be a wide array of courses available to individuals as non-certifiable courses currently constitute <10% of SSG’s total funded courses and about 5% of all SFC-eligible courses. SSG will continue to work with public agencies to ensure a wide range of SFC-eligible courses to support individuals in their learning and career journeys.
With the cessation of funding for non-certifiable courses, what are the other funding support available?
Baseline course fee subsidies will continue to be provided at up to 70% for courses offered by SSG-appointed CET Centres, and up to 50% of course fees for certifiable courses approved by SSG.
Enterprises and individuals who qualify for SSG’s enhanced subsidy schemes [SkillsFuture Mid-career Enhanced Subsidy and Enhanced Training Support for Small and Medium Enterprises (SMEs)] will continue to receive an enhanced subsidy of up to 20% points above the baseline course fee subsidies, such that their total subsides will be up to 90% of course fees for courses offered by SSG-appointed CET Centres, and up to 70% of course fees for certifiable courses approved by SSG.
Enterprises can also offset the additional out-of-pocket expenses with the SkillsFuture Enterprise Credit (SFEC). Under the SFEC, eligible companies receive a one-off $10,000 credit to cover up to 90% of out-of-pocket expenses on qualifying costs for supportable initiatives for business and/or workforce transformation. In addition, enterprises can tap on the consultancy services provided by the National Centre of Excellence for Workplace Learning (NACE). Please refer to https://www.enterprisejobskills.gov.sg/content/upgrade-skills/sfec.html and https://www.enterprisejobskills.gov.sg/content/learn-at-the-workplace/national-centre-of-excellence-for-workplace-learning.html for more information on SFEC and NACE respectively.
For individuals, they can offset the additional out-of-pocket expenses with the SkillsFuture Credit. In 2020, SSG has also enhanced the support for individuals through the SkillsFuture Credit top-up for Singaporeans who are aged 25 and above as at 31 Dec 2020, and the Additional SkillsFuture Credit (Mid-Career Support) for mid-career Singaporeans who are aged 40 to 60 as at 31 Dec 2020. These are on top of the opening SkillsFuture Credit of $500. Please refer to https://www.skillsfuture.gov.sg/credit for more information.
Why do lower-income earners receive the same amount of credit as high-income earners?
SkillsFuture Credit is a broad-based initiative that encourages individual ownership of skills development and lifelong learning. SkillsFuture Singapore (SSG) already provides substantial course fee subsidies, at up to 50% to 90%, for SSG-supported courses to all Singaporeans in the workforce.
Singaporeans who are 40 years old and above can also enjoy higher subsidies of up to 90% of course fees for MOE- and SSG-supported courses under the current SkillsFuture Mid-Career Enhanced Subsidy.
What is a refund request?
A refund request is when the Agency (SkillsFuture Singapore) asks for a refund from you to return the credits back to the Agency.
How do I view and make payment for a refund request?
Under ‘Refunds’, navigate to the refund in which you would like to make payment for. Click ‘View More’ > Select refund reason > proceed to pay via offline payment or eNets.
Can I initiate a refund?
You can only initiate a refund if your course is cancelled and if the claim status shows ‘Paid’, an indication that the claim has been disbursed to your PayNow account.
What courses can I initiate a refund?
You can only seek refund for overseas Massive Open Online Courses (MOOCs), where the claim is disbursed directly to you.
How do I initiate a refund?
Under ‘Claim Application’, navigate to the claim in which you would like to initiate a refund.
- Click ‘View More’
- Click ‘Refund’ to initiate a refund
You will be directed to a payments page where you can make payment via eNets.
Once you have submitted your refund payment successfully, the ‘Refund’ button will be greyed out and you can no longer make a refund for that same claim.
What are the payment modes available for me to do a refund?
For Agency-Triggered refund requests, payment can be made via offline payment or eNets.
Offline payment includes alternative payment methods such as PayNow or Bank Transfer. Once you have opted for an offline payment, a confirmation pop-up with the payment details will be displayed.
For eNets payment, you will be redirected to the eNets page to input your card details.
For Individual-Initiated refunds, payment can only be made via eNets.
What does the ‘Pending Payment’ status and ‘Pending Payment Confirmation’ statuses mean?
For Refund Requests with ‘Pending Payment’ status, it means that a refund request has been triggered by the Agency (SkillsFuture Singapore) to the individual and is currently pending the individual to make payment.
For Refund Requests with ‘Pending Payment Confirmation’ status, it indicates that the refund request has been triggered by the individual. The payment made by the individual is awaiting confirmation from the Agency (SkillsFuture Singapore).
What is the difference between a refund request and a refund that I initiated myself?
A refund request refers to a refund requested by the Agency (SkillsFuture Singapore), while a refund that you have initiated is a request triggered by you to return the credits back to the Agency.
Is $500 in credit enough to cover training costs?
Singaporeans have access to a wide range of funding to support their skills development. Many courses are already highly subsidised by the Government to ensure that training costs are affordable. In addition, the SkillsFuture Credit (SFC) can be used on top of course fees subsidies provided by the Government.
Individuals aged 25 and above as of 31 December 2020 would receive an SFC top-up of $500, which can be combined with the opening credit that they would have received i.e. they would have up to $1000 of SFC to defray out-of-pocket training expenses.
Individuals between 40 and 60 would receive an Additional SFC (Mid-Career Support) of $500 i.e. they would have up to $1,500 of SFC to defray out-of-pocket training expenses for SkillsFuture Career Transition Programme and approved courses.
How can I claim or use my SkillsFuture Credit? How can I check my credit balance and transactions?
You can use your SkillsFuture Credit to pay for or offset the course fees of approved courses by applying through MySkillsFuture. You can also check your SkillsFuture Credit balance and claim transactions. You may follow these steps to log in:i. Go to MySkillsFuture
ii. Click on ‘Login’
iii. Upon login, click on ‘SkillsFuture Credit’
If this is the first time that you are applying to use your credit, you will be prompted to update your profile information.At the point of course registration, you should inform your Training Partner of your intention to utilise your SkillsFuture Credit in part or in full against the qualifying course fees. You should then submit your claim via MySkillsFuture within 60 days before the course start date (date inclusive). SSG will disburse the equivalent amount to the Training Partner.
For Massive Open Online Courses (MOOCs), offered by overseas Training Partners, you may pay the gross course fees up front to the Training Partner and submit the claim for reimbursement of SkillsFuture Credit to you within 60 days before and 90 days after the course start date. For example, if your course starts on 1 Jun 2018, you should make the claim between 1 April and 1 Sep 2018.Will the SkillsFuture Credit expire?
The SkillsFuture Credit of $500 will not expire and can be used throughout your lifetime
The SkillsFuture Credit Top-Up of $500 and the Additional SkillsFuture Credit (Mid-Career Support) of $500 will expire on 31 December 2025.
Your SkillsFuture Credit account will only be closed upon death or annulment of your Singapore Citizenship.
Can I top up my own SkillsFuture Credit account or my family’s or friend’s? Will it attract a credit matching from the Government?
No, you cannot top up the SkillsFuture Credit account.
What will happen to my SkillsFuture Credit if I renounce my citizenship? Can I withdraw the credit?
The credit will lapse if individuals were to annul their Singapore citizenship. Upon renunciation of Singapore citizenship, your SkillsFuture Credit account will be closed. Please be reminded to submit your claims before your account is closed. Withdrawal of credit is not allowed.
What happens to an individual’s SkillsFuture Credit when he or she passes away?
The credit will expire upon his or her death.
In the event that an individual passes away, what will happen to the outstanding claims yet to be paid out?
For approved claims where the course has not started, the credit claim will not be paid out. At the same time, the individual’s SkillsFuture Credit account will be closed.
For approved claims where the course has commenced, please contact SSG at 6785 5785 or through our feedback portal for further assistance.Can I transfer the credit claimed for a course to another course offered by the same Training Partner?
No, you need to cancel your initial claim and submit a new claim.
Do I have to use my SkillsFuture Credit now?
The SkillsFuture Credit Top-Up and the Additional SkillsFuture Credit (Mid-Career Support) will expire on 31 December 2025. You are encouraged to start make your learning and skills development plans early to utilise the credits from the SkillsFuture Credit Top-Up first.
The SkillsFuture Credit credit will not expire so you may use it now or later. After 1 October 2020, you can also accumulate your SkillsFuture Credit with the SkillsFuture Credit Top-Up in your account for a range of approved courses.
Can SkillsFuture Credit be used to pay for course registration fees or course materials?
No. SkillsFuture Credit can only be used to cover:
- Course fees payable
- Assessment fee
- Certification fee for approved online courses
- GST imposed on components supported for SkillsFuture Credit use
It cannot be used to offset other charges imposed by Training Partners that are related to course registration, course withdrawals and administration fees.
Why is the credit set to pay to Training Partners default payment mode?
There have been instances of individuals making fraudulent claims without attending or signing up for any course. To reduce the risk of such claims, SSG will disburse SkillsFuture Credit payment directly to Training Partners for courses that the individual has signed up for.
Why are overseas MOOCs exempted from this revision?
We are not exempting all overseas MOOCs and have carefully curated this set of MOOCs that are high quality, hence they are allowed to be on pay-to-self. All other TPs have only pay-to-Training Partner option, and only very few exceptions are granted based on special considerations.
In addition, SSG is working on a payment system that will eventually bring all TPs (including overseas MOOCs providers) onboard the default pay-to-Training Partner mode.Will there be a risk of Training Partners making fraudulent claims instead with this default payment mode?
Training Partners under the SkillsFuture Credit scheme are subjected to regular audits. SSG will not hesitate to take action against Training Partners who breach the Terms and Conditions.
Should you encounter possible fraud cases involving Training Partners, please contact SSG at 6785 5785 or through our feedback portal.
When can I submit a claim to use my SkillsFuture Credit?
With effect from 19 May 2017, the default payment mode for all courses is for individuals to pay the SkillsFuture Credit directly to Training Partners within 60 days before the course start date (date inclusive).
Upon activation of your SkillsFuture Credit account, you can apply to use your SkillsFuture Credit to pay directly to the Training Partner by the course start date (date inclusive). Before logging into your account, you will need to have your Singpass ID, password, name of Training Partner, course title and course start date.
After 1 October 2020, you may apply to use your SkillsFuture Credit Top-Up and Additional SkillsFuture Credit (Mid-Career Support) for a range of approved courses.For Massive Open Online Courses (MOOCs) offered by overseas Training Partners, you may pay the course fees up front and submit the claim for reimbursement to yourself within 60 days before and 90 days after the course start date.
You will receive your claim disbursement via the PayNow account that is tagged to your NRIC. There is no need to input your PayNow details anywhere in the portal. However, if you do not have a PayNow account tagged to your NRIC, you will experience an error message before you can submit your claim. In this case, please contact your bank to set-up a PayNow account.
Please note that it is mandatory for you to submit supporting documents (detailing the course fee, government subsidy, receipt/net course fee payable [inclusive of GST] and your name as per your NRIC) for your claim.
How will the revision to the SkillsFuture Credit claim processes affect individuals without the 3 local bank accounts (DBS/POSB, OCBC and UOB) or are IT-illiterate and require manual claims?
These individuals will not be affected. They will still be allowed to make manual claims by obtaining the hardcopy application forms from designated touchpoints such as NTUC’s Employment and Employability (e2i) Career Centres and WSG Careers Connect.
Can I submit a claim without registering for a course?
No. Please register for a course with a Training Partner before submitting a claim. You will need your course details (for example, course start date, course ID and Training Partner) before you can submit a claim.
Please note that individuals who provide false claims without attending or signing up for any course are in breach of Section 58 of the SkillsFuture Singapore Agency Act, which carries a maximum penalty of $10,000 fine and imprisonment of up to 12 months, or both.
Do I have to submit supporting documents when I submit a claim? How do I know whether the supporting documents are sufficient?
You are required to submit supporting documents (detailing the course fee, government subsidy, receipt/net course fee payable [inclusive of GST], your name as per your NRIC and proof of payment such as registration confirmation, acknowledgement slips or official receipts) at the point of claim submission. You may upload up to 10 documents with a maximum file size of 4MB per document. The supported file types are PDF, DOC, XLS, TIF, JPG and PNG.
For overseas Massive Open Online Courses (MOOCs), you may also submit proof of participation during claim submission. Please also ensure that you keep the relevant supporting documents for at least six months.
What should I do if I do not have an email account and/or handphone number? How will I receive notification on my claim?
Please feel free to approach WSG Careers Connect and NTUC’s Employment and Employability (e2i) Career Service Centres for assistance.
If I have submitted a claim for my credit to be paid to my bank account, when will I receive the claim amount?
With effect from 19 May 2017, the default payment mode for all courses is for individuals to pay their SkillsFuture Credit directly to the Training Partners within 60 days before the course start date (date inclusive).
For Massive Open Online Courses (MOOCs) offered by overseas Training Partners, you may pay the course fees up front to the Training Partner and submit the claim for reimbursement to yourself within 60 days before and 90 days after the course start date.You will receive your claim disbursement via the PayNow account that is tagged to your NRIC. There is no need to input your PayNow details anywhere in the portal. However, if you do not have a PayNow account tagged to your NRIC, you will experience an error message before you can submit your claim. In this case, please contact your bank to set-up a PayNow account.
To prevent any payout delays, please ensure that your bank account and contact details are accurately captured and updated in your SkillsFuture Credit account. If you do not receive the amount within 30 days from the claim submission date, please contact SSG through our feedback portal.
When can I cancel my SkillsFuture Credit claim submission?
You can cancel your claim submission no later than 1 day before the course start date.
Why was my claim rejected?
The reason for rejection will be provided under the claim details page in your SkillsFuture Credit account.
I have submitted the wrong claim details (for example, Training Partner, course name, course fee amount, claim amount, supporting documents). Can I edit the claim submission?
If you have submitted the wrong claim details, please cancel the claim submission and submit a new one with the correct details, no later than 1 day before the course start date.
I entered my bank account details and an error occurred. What should I do?
Please omit the dashes when entering your bank account number. All bank account numbers should have at least nine digits. For POSB/DBS account holders with account numbers less than nine digits, please contact your bank to obtain a more updated account number.
The Training Partner insists that I pay cash up-front for a course that is eligible for SkillsFuture Credit? Is this allowed?
No. Individuals have the sole discretion to decide whether to use SkillsFuture Credit to offset the payment for the course.
In addition, Training Providers are only allowed to collect refundable pre-course deposits from individuals under the following conditions: (i) SSG had not informed the Training Provider on the approval of your application to use SFC; (ii) SSG had informed the Training Provider on approval but the application was cancelled thereafter; or (iii) you have insufficient SFC to pay the required amount.
Please contact SSG at 6785 5785 or through our feedback portal at https://portal.ssg-wsg.gov.sg/feedback if you come across Training Providers who do not comply with the above.
The only exception are Massive Open Online Courses (MOOCs) offered by overseas Training Providers. For these courses, you may pay the course fees up front to the Training Provider and submit the claim for reimbursement to yourself within 60 days before and 90 days after the course start date.Can I get a refund for the credit that I have used for a course, which has been cancelled by the Training Partner?
Where possible, you should cancel your claim submission in MySkillsFuture no later than 1 day before the course start date.
If your credit has already been paid out, please contact SSG at 6785 5785 or through our feedback portal.Can I get a refund for the credit that I have used for a course if I am unable to attend the course or did not complete the course?
Where possible, you should cancel your claim submission in MySkillsFuture no later than 1 day before the course start date if you are unable to attend the course. If your claim has been paid, please contact your Training Partner to make the refund to SkillsFuture Singapore (SSG). SSG will reinstate the refunded amount back into your SkillsFuture Credit (SFC) account.
If your course has started and you are unable to complete it, you will need to contact the Training Partner for information about the Training Partner’s refund policy.The Training Partner has offered to give me cash or vouchers in exchange for using my SkillsFuture Credit. Am I allowed to sell or exchange my credit?
No. Please contact SSG at 6785 5785 or through our feedback portal if you come across such Training Partners.
Can I use my SkillsFuture Credit for a course which has commenced or a course which I have already attended?
You cannot claim SkillsFuture Credit if you have already commenced or completed training. The exceptions are for overseas Massive Open Online Courses (MOOCs), where the submission period for SkillsFuture Credit claim is within 60 days before and 90 days after the course start date. For example, if your overseas MOOC starts on 1 Jun 2022, you should make the claim between 1 April and 1 Sep 2022.
As of Jun 2022, the list of overseas MOOCs Training Partners offering approved courses under the SkillsFuture Credit scheme include:- eCornell
What happens if an individual has already paid for a course in full and wishes to use SkillsFuture Credit subsequently?
If you have already made an initial self-payment for a course in full, you will not be able to use SkillsFuture Credit for this course. You may use your SkillsFuture Credit for subsequent courses.
For MOOCs, can I submit a claim immediately after updating my bank account details? Do I have to wait for some time before the bank details are processed?
For overseas Massive Open Online Courses (MOOCs), you may submit a claim immediately after updating your bank account details in your SkillsFuture Credit account.
As of Jun 2022, the list of overseas MOOC Training Partners offering approved courses under the SkillsFuture Credit scheme include:
- eCornell
What is the order of fee deduction for SkillsFuture Credit on MOE-funded courses that come with other financing schemes?
In order to avoid multiple claims from the different Governmental financing schemes, MOE-funded institutions are to adopt the following order for fee deduction:
- Tertiary Tuition Fee Subsidy (TTFS) Scheme/Scholarships/Bursaries (that cover tuition fees)
- SkillsFuture Credit
- Post-Secondary Education Account (PSEA)
- Loans (for example, CPF Education Loan, Tuition Fee Loan and Study Loan)
The use of SkillsFuture Credit will only apply if the individuals indicate their intention to finance the course using their SkillsFuture Credit. If the individuals apply for both SkillsFuture Credit and PSEA to defray their course fees, SkillsFuture Credit will be used for fee payment before PSEA.
Why is SkillsFuture Credit only available to Singaporeans aged 25 and above?
The SkillsFuture Credit is targeted at Singaporeans who have generally completed their full-time education and are in the workforce or preparing to join the workforce. It encourages working adults to invest in their continued learning journey and be active learners.
SkillsFuture Credit is just one form of support available to help Singaporeans upskill and reskill. MOE/SSG provide substantial course fee subsidies for the local workforce to take up training. Those aged 30 and below can also tap on their Post-Secondary Education Account for skills upgrading through approved courses by the Institutes of Higher Learning (IHLs), public agencies and other training partners.
For Singapore Citizens who turn 25 years old from 1 January 2021, are they eligible for the SkillsFuture Credit Top-Up?
This top-up is only for Singapore Citizens who are 25 years old or above by 31 December 2020.
For citizens turning 25 years old from 1 January 2021, they will receive their SkillsFuture Credit account activation letter in the first quarter of the same year, informing them of the opening credit of $500, which does not expire.
Why do those aged 40 to 60 get an Additional SkillsFuture Credit (Mid-Career Support)? Why is the cut-off age at 60?
The Government seeks to address the areas of greatest needs, and this differs for different age groups, who are at different stages of their lives.
For Singaporeans aged between 40 and 60, they may need a more significant reset of their skills in order to remain employable for the long term. Hence, the Additional SkillsFuture Credit (Mid-Career Support) is part of the Mid-Career Support Package which is a targeted package to create more career transition opportunities for locals between 40 and 60. It can only be used for SkillsFuture Career Transition Programme.
Nonetheless, we agree that lifelong learning is important for all ages, and we encourage all individuals to take ownership of their skills development journey. This is why all Singapore Citizens aged 25 years and above will be given a SkillsFuture Credit top-up of $500 from 1 October 2020. Singaporeans above the age of 60 will be eligible for this top-up, and will be able to use both the top-up and their opening credit to defray out-of-pocket training costs for eligible courses. This is on top of the existing training subsidies under the SkillsFuture Mid-Career Enhanced Subsidy for Singaporeans aged 40 and above, which provides enhanced funding support of up to 90% of course fees.
For Singapore Citizens who turn 40 years old from 1 January 2021, or those who are 61 years or older as at 31 December 2020, are they eligible for the Additional SkillsFuture Credit (Mid-Career Support)?
This Additional SkillsFuture Credit (Mid-Career Support) is only for Singapore Citizens who are aged 40 to 60 as at 31 December 2020.
Citizens who turn 40 years old from 1 January 2021, or those who are 61 years or older as at 31 December 2020, will receive the top-up credit available for all eligible Singaporeans aged 25 and above as of 31 December 2020.
Why are Permanent Residents not eligible for SkillsFuture Credit?
The SkillsFuture Credit is aimed at helping Singaporeans in their learning and skills development, and is in line with the Government’s commitment to provide support for Singaporeans to maximise their potential throughout life and secure good jobs.
Are new Singapore Citizens eligible for SkillsFuture Credit?
New Singapore Citizens aged 25 and above will be eligible for the SkillsFuture Credit after they have received their Singapore citizenship. SSG will inform them about their SkillsFuture Credit accounts and when they will be able to start using their credit.
As the SkillsFuture Credit Top-Up and Additional SkillsFuture Credit (Mid-Career Support) is a one-off provided by the Government on 1 October 2020,
- new Singapore Citizens aged 25 and above after 31 Dec 2020 will not be eligible to receive the SkillsFuture Credit Top-Up
- new Singapore Citizens aged 40 to 60 after 31 Dec 2020 will not be eligible to receive the Additional SkillsFuture Credit (Mid-Career Support)
I have been a Singapore Citizen based overseas for the past 10 years. Will I still be eligible for the SkillsFuture Credit?
Yes, you will be eligible for SkillsFuture Credit as long as you meet the eligibility criteria*.
* as long as you are still a Singaporean aged 25 and above.Singapore citizens aged 25 and above will receive the SkillsFuture Credit of $500. Singapore Citizens aged 25 and above as of 31 December 2020 will receive the SkillsFuture Credit Top-Up of $500. Singapore Citizens aged 40 to 60 as of 31 December 2020 will receive the Additional SkillsFuture Credit (Mid-Career Support) of $500.
What supporting documents do I need to provide for my SkillsFuture Credit claim for courses by overseas MOOC providers?
To avoid delays in processing your SFC claim, please submit a scanned/electronic copy of the receipt from your MOOC provider with the following details:
1. Your name (ensure that this is the same as in your NRIC)
2. Course title
3. Name of MOOC provider
4. Amount of course fees paid (preferably in Singapore dollars)
5. Course start date (ensure that the date in your claim matches this date)
Please click here for a sample receipt.
My name on the receipt is different from the name in my SFC account. What should I do?
Contact your MOOC provider for instructions on how to generate a new receipt with your name as per your NRIC.
My receipt is in a foreign currency. What should I do?
The recommended course of action is to contact your MOOC provider to generate a new receipt in Singapore dollars.
Alternatively, you can supplement the receipt with a credit card or bank statement that shows the payment transaction to the MOOC provider, showing the transaction in Singapore dollars. Please note that bank charges, e.g. bank transfer fees, if any, cannot be included in the SFC claim.
If a receipt/invoice in Singapore dollars or a credit card/bank statement is not available, we will apply the MAS exchange rate at the purchase date indicated in your invoice for conversion.
My bundle of courses from the MOOC provider is not listed as a single item on the SFC course directory, can I claim for individual courses?
If the course is not listed as a bundle in SkillsFuture Credit course directory, you should submit individual claims for each course in the bundle, as per course title.
Please note that you may only claim for courses that are listed in the SkillsFuture course directory.
When submitting individual claims for each course in the bundle, divide the bundle fee by the number of the courses in the bundle to obtain the course fee for each course in the bundle.
E.g. Bundle total course fee of $29.99, for two courses. Each course would be calculated at $29.99 / 2 = $14.99 and $15.00.
You may round up the course fee to the nearest cent such that the sum of the individual claims is the total price of the bundle.
Is there a sample receipt for me to refer to?
A sample receipt is shown below:
My name indicated in MySkillsFuture is outdated. I am not able to make any changes. What should I do?
SSG obtains your profile information based on updates made to your NRIC information. If you need to make changes to your name or address, please approach ICA or Neighbourhood Police Posts/Centres. Please note that it will take up to one month for the change to be reflected on MySkillsFuture.
In my "Profile" page, there is a field to enter my latest employment details. Do I enter my previous or current job? What if I am unemployed at the moment?
Please enter the details of your current or last held job, whichever is more recent.
Will SkillsFuture Credit result in a rise in course fees?
SSG, MOE and partnering agencies will work with approved Training Partners to ensure that course fees remain affordable.
While attending courses eligible for SkillsFuture Credit, should individuals take their own personal leave or should this be charged under company’s time?
You will need to make your own arrangements with your employer if you wish to attend training during office hours.
Will SkillsFuture Credit cover the same courses as the Post-Secondary Education Account (PSEA)?
Courses covered under the PSEA and listed on the course directory at MySkillsFuture are eligible for SkillsFuture Credit.
Why is the PSEA cut-off age brought forward from age 30 to age 25? What will happen to the money in my PSEA account?
Currently, the age of closure for PSEA is still maintained at age 30 to allow individuals more time to plan their learning and use their PSEA balances to pay the fees of approved courses. There are no plans to shift the age of closure at the moment.
Will I still be able to use my SkillsFuture Credit if I opt to extend my PSEA?
Yes.
What are the supported desktop browsers?
They are Microsfot Edge, Chrome v43.0, Firefox v39.0, Safari v5.1 version and onwards. Please ensure that your browser is updated for a better experience in navigating MySkillsFuture.
Can I submit Claims on the SkillsFuture Credit portal on my mobile or tablet?
Yes. However, do ensure that the operating system (OS) on your mobile or tablet is supported.
What are the supported mobile operating systems on my mobile or tablet?
They are Apple iOS9, Android 5.0 Lollipop and Windows Phone 8.1 onwards. Please ensure that your mobile operating system is updated for better experience in navigating MySkillsFuture.
What are the supported mobile browsers on my mobile or tablet?
They are Mobile Safari 9, Chrome 48 and Internet Explorer Mobile Version 11 onwards. Please ensure that your mobile browser is updated for better experience in navigating MySkillsFuture.