How to Check Your SkillsFuture Credit Balance

SkillsFuture Credit is a government scheme that offsets course fees for eligible Singaporeans. As of 2026, all citizens aged 25 and above automatically receive a $500 base credit. Those aged 40–60 also get an additional $4,000 mid-career top-up, bringing their total to $4,500. No application is needed – the credits are pre-loaded into your account once eligibility is confirmed.

Before You Begin

You need an active Singpass account. Make sure your mobile number or email is updated in your Singpass profile to receive one-time password (OTP) prompts during login.

Method 1: Use the MySkillsFuture Portal

1. Visit the official MySkillsFuture portal and click “Login” at the top right.
2. Authenticate with Singpass – enter your NRIC/FIN and password, or use fingerprint/face recognition.
3. Once logged in, look for the SkillsFuture Credit tile on the dashboard. The tile displays your available balance in bold.
4. Click the tile to see a breakdown: base credit, mid-career top-up (if any), and total.

The balance updates in real time after each claim. If you’ve just filed a claim, the deduction may take up to 24 hours to reflect.

Method 2: Use the Singpass App

1. Open the Singpass mobile app and log in with biometrics or your 6-digit passcode.
2. Scroll to the “Services” tab and tap on “MySkillsFuture” (or search “SkillsFuture” in the service list).
3. The app redirects you to the MySkillsFuture dashboard within a secure in-app browser. Your credit balance is shown on the first screen.
4. You can also view the balance directly from the Singpass Wallet section if the feature is enabled in your region.

App users get push notifications when new top-ups are credited, saving a manual check.

How to Interpret the Balance

Your total credit is the sum of:

• Base Credit – $500 issued once at age 25, non-expiring.
• Mid-Career Top-up – $4,000 for Singaporeans aged 40–60 (as of 2026, valid indefinitely).

Expired one-off top-ups (such as the $500 pre-2022 top-up) are removed automatically and won’t show in the current balance. If you see a lower amount than expected, check your birth year and ensure your Singpass date of birth is correct.

Common Checking Issues

• “Insufficient Credit” warning even when balance looks adequate: Some courses are only partially claimable. Check the “Eligible Amount” column on the course listing, not just the headline fee.
• Mid-career top-up missing: The system verifies age against national records. If you turned 40 recently, the top-up appears within 30 days. Contact the SkillsFuture advice line if it’s still missing after that window.
• Login loop when using the portal: Clear browser cache or try an incognito window. The Singpass app login often bypasses this issue.

FAQ

Can I check my family member’s balance?
No. Each person must log in with their own Singpass. Unauthorised access is a breach of the law.

Will the credit expire?
All credits issued as of 2026 (base $500 and mid-career $4,000) carry no expiration date. You can accumulate them across years.

What if I’ve never logged in? Are my credits still there?
Yes. The credits are tied to your NRIC and remain untouched until you make a claim. Log in anytime to see your full balance.

Where can I get help if the balance seems wrong?
Call the SkillsFuture hotline at 6785 5785 or use the live chat on the MySkillsFuture portal. Have your NRIC and recent claim details ready.

References

• SkillsFuture Singapore (2026) – Credit balance and usage guide
• Government Technology Agency (2026) – Singpass services integration
• Ministry of Education (2026) – Mid-Career SkillsFuture Credit top-up
• Central Provident Fund Board (2026) – Eligibility age verification

Disclaimer: This article provides general guidance only. Balance amounts and policies may change; always verify via the official MySkillsFuture portal.