Deliveroo SG Rider Support
CPF Related Change topic
- How do I know which Contribution Rates to use?
- What is withholding debit?
- How to calculate Deliveroo (Platform) CPF contribution amount?
- Why does Deliveroo withhold a higher amount than my actual CPF Contributions?
- What does the “Earnings Subjected to CPF Less FEDR” field in my invoice mean?
- What comprises fees that are subject to CPF?
- How do I get my Refund/Excess amount back?
- What will the new invoice include?
- What is my opt-in status?
- How do I opt-in for CPF contributions?
- Do I need to contribute to my Medisave Account if I did not opt in for CPF contribution?
- How will CPF contributions affect my earnings?
- What are CPF contributions for platform workers?
- Who is considered a platform worker?
- How can I find out more about my CPF contributions?
- What should I do if I have questions about my CPF contributions?
What is withholding debit?
Withholding debit is the amount that Deliveroo withholds from your gross earnings (from the portion that is subject to CPF post the FEDR reductions) for Deliveroo to be able to pay to CPFB on your behalf once the month is over. For more information on FEDR please click here.
Earnings subject to CPF = Gross Earnings - Earnings not subjected to CPF
Earnings Subject to CPF Less FEDR = Earnings subject to CPF*(1-FEDR)
Withholding amount is a % of Earnings subject to CPF less FEDR
Withholding % varies from rider to rider given (i) the vehicle type used for the respective earnings, and (ii) age band. Once the CPF calculation for the month is completed, any overwithheld amount is returned to your wallets latest by the 14th of the next month. Withholding amount is calculated and withheld at a transaction level for all transactions that are subject to CPF.
Please note that for Opt-in/Mandatory cohorts, withholding rates shall increase annually in line with the CPF contribution rates whereas for opt-out cohorts, the withholding rates remain constant in line with their constant CPF (medisave) contribution rates. You may refer to a detailed breakdown of withholding rates for Jan to Dec 2025 below:
Deliveroo may end up withholding more than your actual (eventual) monthly CPF contribution. This is because CPF contribution rates (here) vary by monthly income and can only be calculated at the end of the month. To ensure you have enough to cover your final CPF contributions, Deliveroo withholds at the maximum CPF contribution rate BUT accounts for your age, contribution status (Opt-in/Mandatory or Opt-out) and actual FEDRs. This ensures your CPF contributions are fully covered, without holding back any more than necessary—so you get the most cashout earnings possible.
