In earlier article there is an Issue mentioned regarding low interest rate from the bank (1.1 % DBS Today for 11 months Fixed Deposit ) and higher Accrued Interest to pay back to CPF. It makes sense for me to do something. The CPF Housing interest is computed on the CPF principal amount withdrawn for housing on a monthly basis (at the current CPF Ordinary Account interest rate) and compounded yearly. If this OA money is put inside SA it would be even higher at 4% ! Therefore  I decided to work on the CPF Refund process. There are 2 methods that I can do online. One is via PayNow and the other eNets. The later I have given up due to some issue getting the code to my oversea mobile. However I am pleased that PayNow works perfect for me....