SkillsFuture Credit (SFC)
What is it?
All Singaporeans aged 25 and above have an opening amount of $500 that has no expiry.
An additional top-up of $500 was then introduced in 2020 for the reskilling of Singaporean employees aged 25 and above to future-proof themselves for the ever-volatile economy. This additional top-up has an expiry date up to 31 Dec 2025.
How to Apply?
Please inform us at [email protected] if you would like to apply for the WSQ/SDF grant or SFC claim after submitting your registration. We will follow up with you to help you with the application.
Refer to our comprehensive step-by-step guides after you have submitted your registration with us:
Mobile Guide | PC Guide
Visit the SkillsFuture Credit website to choose from the courses available on the SkillsFuture Credit course directory.
SkillsFuture Credit
(Mid-career Enhanced Subsidy)
What is it?
The SkillsFuture Mid-Career Enhanced Subsidy (MCES) for all Singapore Citizens aged 40 and above recognises that mid-career Singaporeans may face greater challenges in undertaking training, and provides additional subsidies to encourage you to upskill and reskill to adapt to changing job requirements.
You must qualify for the MOE/SSG base course fee subsidy in order to be eligible for the SkillsFuture Mid-Career Enhanced Subsidy. Those eligible will be charged the nett fee. If you are eligible, you will receive up to 70% subsidy of course fees for certifiable-skills training courses.
Eg. Course Fee: $1,000 + GST
You pay: $300 + GST
The balance of the course fees post-subsidy (e.g., $300 + GST) can be additionally offset through the use of your SkillsFuture Credit (SFC) if the course is SFC-eligible.
Read more about MCES here.
How to Apply?
Please inform us at [email protected] if you would like to apply for the MCES claim after submitting your registration. We will follow up with you to help you with the application.
Post-Secondary Education Account (PSEA)
What is it?
The Post-Secondary Education Account (PSEA) is administered by MOE and is automatically available for all eligible Singaporeans to be used by all individuals below 31 years old.
To check your PSEA account balance, call the 24-hour automated Edusave/PSEA hotline at 6260 0777 and input your NRIC number.
Please click here for more information on PSEA.
How to Apply?
To withdraw the funds in your PSEA account, simply complete the ad-hoc withdrawal application form.
For the step-by-step guide on submitting PSEA Withdrawal Form, click here.
Union Training Assistance Programme (UTAP)
What is it?
UTAP is a training benefit for NTUC members/ NTUC Starter members to defray their cost of training. This benefit is to encourage more members to go for skills upgrading and re-skilling. The NTUC Starter Membership gives youth aged 18 to 25 a head start in the workforce and supports their needs as they transition from school to work.
How much is the grant?
NTUC members enjoy 50% unfunded* course fee support for up to $250 per year when you sign up for courses supported under UTAP. NTUC Members aged 40 and above can enjoy higher funding support at up to $500 per year for courses attended between 1 July 2020 to 31 December 2025. NTUC Starter members can enjoy funding support at up to $200 per year.
Click here for more information on how to submit UTAP claims.
*Unfunded course fee refers to the balance course fee payable after applicable government subsidies (including SFC). This excludes material fees, registration fees, misc. fees etc.
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With SFC | Without SFC |
E.g. Course Fee: $1,000 9% GST: $90 70% Government Subsidy:-$700 Course Fee Payable After Subsidy: $300 + $90 SFC: -$200 NTUC Member Pays (NETT Course Fee Paid): $100 + $90 UTAP Funding: $95 | E.g. Course Fee: $1,000 9% GST: $90 70% Government Subsidy:-$700 Course Fee Payable After Subsidy: $300 + $90 NTUC Member Pays (NETT Course Fee Paid): $300 + $90 UTAP Funding: $195 |
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Who can apply?
All NTUC members and NTUC Starter members can apply for UTAP and UTAP-Lite respectively. However, the following criteria must be met to be eligible for UTAP/ UTAP-Lite:
- NTUC member/ NTUC Starter member must commence the course or complete the assessment within UTAP approved period.
- NTUC member/ NTUC Starter member must submit either certificate of completion of training and assessment or training attendance sheets showing at least 75% attendance for the course(s) and sit for all prescribed examination(s) if any.
- NTUC member/ NTUC Starter member must submit claims via UTAP system within 6 months after course/ assessment completion.
- NTUC member/ NTUC Starter member must not claim full funding through company sponsorship or other types of funding.
- NTUC member/ NTUC Starter member must have paid-up NTUC membership before course/ assessment commencement, throughout the entire course/ assessment duration and at the point of claim.
How to Submit UTAP Claim?
Step 1: Check for
EON Consulting & Training UTAP supported courses.
Step 2: Register for course with training provider and attend training. For course information and enrolment, please contact the training provider.
Note: To support your UTAP claim, please ensure that you keep a copy of your course certificate/tax invoice/receipt via email.
You are required to pay the
FULL course fees upfront (inclusive of GST, after Early Bird, Members, or other subsidies applicable). The UTAP amount will only be reimbursed upon completion of the course after you have submitted the course details through the U Portal account.
Step 3: Log in using Singpass and submit
UTAP/UTAP-Lite claim within 6 months after course completion. Late claims will be rejected.
Click here for the UTAP Application Guide.
How to Check the Status of My UTAP Claim?
Step 1: Log in to
http://www.ntuc.org.sg/uportal
Step 2: Select “E-Services” and log in with Singpass or U Portal account
Step 3: Click on ‘eStatement’ – you will be directed to a page where you can view your UTAP balance and UTAP transaction.
Note: The reimbursement is credited directly to the bank account of the applicant via GIRO within four weeks after the submission of the relevant information. You will receive an email notification upon successful disbursement.
Is There a Course Limitation?
You may apply for more than one course, for reimbursements up to the maximum cap allowed. The maximum claimable is capped annually at:
- $250 for members below 40 years old
- $500 for members aged 40 and above, under the condition that the course start date falls between 1 July 2020 to 31 December 2025
- $200 for members under the NTUC Starter membership
Workfare Skills Support (WSS)
What is it?
The Workfare Skills Support (WSS) scheme encourages lower wage workers to undertake training that leads to more impactful employment outcomes.
Eligible individuals may receive:
- Training allowance for selected courses that individuals had paid for themselves
- Cash reward for completing training
Who is Eligible?
To qualify, individual must meet the following criteria:
- Singapore Citizen;
- At least 30 years old (previously 35 years old), or at least 13 years old for Persons with Special Needs;
- Currently employed (include Self-Employed Persons who declare his/her Net Trade Income or work done in the preceding Work Year and made MediSave contributions);
- Earns an average gross monthly income1 of not more than $2,500 (previously $2,300) for the past 12 months;
- Lives in a property with an annual value of less than $13,000 assessed as at 31 December of the preceding year. (From 1 January 2024, the annual value will be revised to “less than $21,000” from “less than $13,000” as at 31 Dec of the preceding year);
- Owns fewer than two properties; and
- If married:
- Together with spouse, own less than two properties; and
- Spouse’s assessable income for the preceding Year of Assessment is less than $70,000.
How Do I Check My Eligibility?
You may check your WSS eligibility by logging in to the Workfare eService with your Singpass. Please note that you do not need a WSS letter for course enrolment with Training Providers.
How to claim?
Under the Training Commitment Award (TCA), eligible trainees* will receive up to $1,000 for courses attained during their WSS eligibility period at the following support level*:
- $800 per qualification for WSQ or Academic CET full qualifications
- $100 for any 2 of the following courses up to $200:
- WSQ Statement of Attainment
- Academic CET Modular Certificate or Post-Diploma Certificate
- Certifiable Courses supported by SSG
Please note that course completion must occur within the trainee’s eligibility period, with a maximum cap of $1,000 per WSS Eligibility year.
No application process is necessary. Individuals will be informed about their Training Commitment Allowance (TCA) payment through SMS and/or a letter from the CPF Board. It might take 1 to 3 months for you to receive the payment.