KEY HIGHLIGHTS
- Unused SkillsFuture, CDC and ActiveSG vouchers may expire soon — key deadlines fall in 2026.
- Singaporeans could lose S$300 to over S$1,500 per household if balances lapse.
- Once expired, vouchers cannot be extended, refunded, or converted to cash.
Unused SkillsFuture, CDC and ActiveSG vouchers may expire soon – Check deadlines 2026. This is not clickbait. It’s a genuine heads-up for Singapore residents who still have government credits sitting untouched.
Over the last few Budgets, the Singapore Government has pumped billions of SGD into vouchers and subsidies to help with cost of living, career upskilling, and active ageing. The problem? Many of these benefits come with expiry dates. If you miss them, the value is gone for good.
Overview: Government Vouchers That May Expire
| Voucher Type | Who It’s For | Typical Value | Expiry Risk |
|---|---|---|---|
| SkillsFuture Credit | Singapore Citizens 25+ | S$500 – S$1,000+ | Yes (top-ups) |
| CDC Vouchers | Singapore Households | S$300 – S$500 | Yes |
| ActiveSG Credits | Citizens & PRs | S$100 – S$300 | Yes |
Unused balances do not roll over automatically, especially for one-off Budget top-ups issued in earlier years.
SkillsFuture Credit: Some Balances May Expire by 2026
SkillsFuture Credit is one of the most valuable government benefits Singaporeans receive. It offsets course fees for approved training in areas like technology, finance, healthcare, cybersecurity, and professional certifications.
How Much SkillsFuture Credit Do You Have?
Most Singaporeans receive:
- S$500 opening credit (from age 25)
- S$500 additional top-up for ages 40–60
- Up to S$1,000 for selected mid-career cohorts
Here’s the catch many miss.
SkillsFuture Expiry Rules You Must Know
The original S$500 opening credit does not expire.
However, one-time top-ups do.
Top-ups issued around 2021–2022 typically carry a five-year validity, which means some will lapse by 2026 if unused.
From a financial point of view, this matters. A single professional course in Singapore can easily cost S$2,000 to S$6,000. Losing S$500–1,000 in credits means paying fully out of pocket later.
CDC Vouchers: Household Support That Will Lapse
CDC vouchers were designed to help households manage daily expenses — groceries, hawker meals, neighbourhood shops, and essential services.
How Much Are CDC Vouchers Worth?
Recent CDC tranches range from S$300 to S$500 per household, split between:
- Heartland merchants & hawkers
- Supermarkets
Each tranche comes with a clearly stated expiry date.
Why CDC Voucher Expiry Hurts More Than You Think
Once the deadline passes:
- ❌ No cash-out
- ❌ No rollover
- ❌ No replacement
For families already paying housing loans, insurance premiums, utilities, and childcare, losing S$300–500 is real money gone.
ActiveSG Credits: Fitness Subsidies That Also Expire
ActiveSG credits often feel small, so people ignore them. That’s a mistake.
What ActiveSG Credits Actually Cover
Credits can be used for:
- Public gyms
- Swimming complexes
- Sports facilities
- Paid fitness programmes
Top-ups typically range from S$100 to S$300, but they come with fixed validity periods.
Many credits issued earlier are scheduled to expire before or during 2026.
Without credits, regular usage adds up fast:
- Gym entry: S$2.50–4 per visit
- Swimming: S$1.50–2 per session
- Classes: S$20–50 each
Long term, skipping fitness also increases healthcare costs. No need to overthink — use what you already have.
How to Check Your Voucher Balances (Do This Now)
SkillsFuture Credit
- Log in via Singpass
- Check balance and expiry for each top-up separately
CDC Vouchers
- Access through a household member’s Singpass
- Expiry dates are shown clearly
ActiveSG Credits
- Open the ActiveSG app
- View credit balance and validity
Tip: Set a reminder 3–6 months before expiry. Don’t wait until the last minute.
Smart Ways to Maximise Vouchers Before 2026
For SkillsFuture, focus on courses with real ROI — tech, finance, data, compliance, or healthcare. These skills still attract higher salaries in Singapore.
For CDC vouchers, plan them into your monthly household budget instead of rushing near expiry.
For ActiveSG, convert credits into preventive healthcare. Regular exercise now costs less than medical bills later.
Late redemptions usually lead to limited choices, system congestion, or wasted spending. Honestly speaking, early action saves stress.
Frequently Asked Questions
Do all SkillsFuture credits expire in 2026?
No. The S$500 opening credit does not expire. Some one-time top-ups issued earlier may lapse by 2026.
Can expired CDC or ActiveSG vouchers be reinstated?
No. Once expired, vouchers cannot be reinstated, appealed, or refunded.
How much voucher value could an average household lose?
Anywhere from S$300 to over S$1,500, depending on eligibility and unused balances.
Final Word Singaporeans Should Take Seriously
Unused SkillsFuture, CDC and ActiveSG vouchers may expire soon – Check deadlines 2026. This isn’t about future promises or new payouts. It’s about money and benefits you already own, but could lose by doing nothing.
Check your balances. Use them wisely. Free government support doesn’t come often — once it expires, it’s gone.
Sources (Official Singapore Government Websites)
- https://www.skillsfuture.gov.sg
- https://www.cdc.gov.sg
- https://www.activesg.gov.sg
- https://www.gov.sg
- https://www.singpass.gov.sg
