If you are a Singapore Citizen aged 25 or above, you have SkillsFuture Credit sitting in your account right now. Many people know it exists but have never actually used it — either because the process seems complicated or because they are not sure which courses qualify.
This guide walks you through exactly how to use it, step by step.
What is SkillsFuture Credit
SkillsFuture Credit is a government initiative that gives every eligible Singapore Citizen a credit balance they can use to pay for approved training courses. It is not a voucher you carry around — it lives in your MySkillsFuture account and is applied at the point of course registration.
The credit is meant to encourage Singaporeans to keep learning throughout their working lives, not just during formal education.
How much credit do you have
The baseline SkillsFuture Credit amount for all eligible Singapore Citizens aged 25 and above is $500.
In addition to this, there have been periodic top-ups announced by the government. Check your current balance directly on the myskillsfuture.gov.sg portal — it shows your exact available credit and any expiry conditions that apply to top-up amounts.
Mid-career professionals aged 40 and above may also qualify for the SkillsFuture Mid-Career Enhanced Subsidy, which reduces course fees by up to 90 percent on top of your credit balance. This is separate from SkillsFuture Credit but works alongside it.
Which courses qualify
Not every course qualifies for SkillsFuture Credit. To be eligible, a course must be listed on the MySkillsFuture course directory. This includes most WSQ-accredited courses, many courses offered by approved private training organisations, and selected courses on platforms like Coursera and LinkedIn Learning that are part of the SkillsFuture partnership.
The easiest way to check is to search for the course on myskillsfuture.gov.sg — if it appears in the directory, it is eligible.
Step-by-step: how to use your SkillsFuture Credit
Step 1 — Log in to MySkillsFuture
Go to myskillsfuture.gov.sg and log in using your Singpass account. If you have not set up Singpass, do that first at singpass.gov.sg.
Step 2 — Check your credit balance
Once logged in, go to My Profile and then My SkillsFuture Credits. You will see your current balance broken down by credit type and any expiry dates.
Step 3 — Find a course
Use the Course Directory to search for courses by keyword, industry, or skills framework. Filter by SkillsFuture Credit eligible to narrow the results. Take note of the course provider, course fee, and schedule before proceeding.
Step 4 — Register with the training provider
Most SkillsFuture Credit claims are processed through the training provider’s own registration system, not directly through MySkillsFuture. Go to the course provider’s website and register for the course. During registration, there will be an option to indicate that you are using SkillsFuture Credit.
Step 5 — Submit your SkillsFuture Credit claim
After registering with the provider, log back into MySkillsFuture and go to Submit SkillsFuture Credit Claim. Enter the course details and the amount you want to apply. The credit is paid directly to the training provider — you pay the remaining balance, if any, to them separately.
Step 6 — Attend and complete the course
Your credit claim is contingent on course attendance and completion. If you withdraw or do not complete, the credit may be reversed. Check the provider’s withdrawal policy before committing.
Common mistakes to avoid
Trying to claim credit for a course that is not in the MySkillsFuture directory is the most common issue. Always verify eligibility before registering.
Waiting until the last minute is another problem — some courses fill up quickly and SkillsFuture Credit claims can take a few days to process.
Some people also assume their credit never expires. While the base credit does not have a fixed expiry, periodic top-ups may have different conditions. Check the terms for each credit component in your account.
What if your credit is not enough to cover the full course fee
SkillsFuture Credit is designed to offset course costs, not necessarily cover them entirely. Many WSQ courses are already subsidised, so the combination of government subsidies plus your credit balance often brings the out-of-pocket cost to a very small amount — sometimes under $50 for a full course.
If the course fee is significantly higher than your available credit, check whether your employer offers co-funding under the SkillsFuture Enterprise Credit scheme, or whether the course provider offers payment plans.
How this connects to WSQ courses
Most WSQ-accredited courses are SkillsFuture Credit eligible. This means that if you are retraining through a WSQ pathway — whether a short module or a full qualification — you can offset the cost using your credit balance on top of the existing government subsidies.
To find WSQ courses that match your career goals, use the WSQ Navigator on ForLifeCareer.com. It takes three minutes and gives you a personalised pathway recommendation based on your situation.
Frequently asked questions
Can I use SkillsFuture Credit for online courses?
Yes, if the online course is listed in the MySkillsFuture directory. Some international platforms like Coursera have specific Singapore-approved courses that qualify.
Can I use SkillsFuture Credit more than once?
Yes. You can use your credit across multiple courses over time, as long as your balance has not been fully used.
What happens to my credit if I do not use it?
The base credit does not expire, but periodic top-ups may have expiry conditions. Log in to check the status of each component of your balance.
Can permanent residents use SkillsFuture Credit?
No. SkillsFuture Credit is available to Singapore Citizens only. Permanent residents may still access WSQ courses but will not have the credit balance.
I registered for a course but forgot to claim my credit. Can I still claim it?
Claims must generally be submitted before the course start date or within a short window after registration. Check the MySkillsFuture portal for the claim deadline for your specific course.
You can also book an advisory session if you want to talk through your options with someone who understands Singapore’s training landscape in detail.