Last updated: 11 November 2026
A course can be listed as funded and still cost more than you expect, because each scheme has its own conditions. Checking before you pay takes a few minutes and tells you the fee you will actually owe.
Step 1: Find the course on the MySkillsFuture portal
The MySkillsFuture portal lists the courses that SkillsFuture Credit (SFC) can be used for, and it notes that credit eligibility varies by course. A course that is missing from the portal may not qualify, so search for the exact course title and the provider’s name.
Step 2: Ask for the course reference number
Approved courses carry a reference number. For example, our AI for Sales course has the reference TGS-2025053114. A provider that cannot give you a reference number for a course advertised as funded needs a follow-up question.
Step 3: Ask for a written fee breakdown
The breakdown should show the full fee, the subsidy and the net fee. Ask whether the provider charges anything outside the course fee. The SkillsFuture FAQ on ask.gov.sg says SFC cannot pay a provider’s registration, course withdrawal or administration charges. GST is based on the full course fee at 9% and is not covered by subsidies, so ask whether it is shown separately and expect to pay it on top of the net fee. The guide to the SSG/SWDA course fee subsidy and net fee explains how to read each line.
Step 4: Check which schemes you personally qualify for
- SFC is for Singapore Citizens aged 25 and above, with a mid-career tier for citizens aged 40 and above on selected courses. You submit the claim online before the course starts.
- UTAP is for full NTUC members, and the course must be on its supported list.
- PSEA is for Singapore Citizens who hold an account, and the course must be on MOE’s approved list.
Step 5: If your employer pays, check the employer schemes
Absentee Payroll funding requires a funded course that the employer pays for in full. For the Enterprise Innovation Scheme, the course must appear on the list of EIS eligible courses that IRAS links to from its EIS page.
Step 6: Ask about conditions that can cost you the funding
Attendance rules, claim deadlines and assessment requirements differ by scheme. NTUC, for example, sets a minimum attendance of 75% for a UTAP claim. Ask the provider which conditions apply to your course and who submits each claim.
A short list of questions to send a provider
- What is the course reference number?
- What are the full fee, the subsidy and the net fee?
- Are there any charges outside the course fee?
- Which schemes can I use on this course?
- What attendance or assessment conditions apply?
- Who files each claim, and by when?
Where does this fit with the other funding guides?
The guide to funding for AI and skills training in Singapore compares every scheme, and the SkillsFuture Credit guide walks through the credit claim.
Ask our team to check a course for you
QD Academy’s courses are taught by practitioners and funded for eligible learners. Our team checks which schemes apply to you and helps with the paperwork and claims for our own courses. See the Grants and Subsidies page for our calculators, or open a course page: Developing an Effective Customer Journey Map Using AI and Automation, AI-Powered Productivity Strategies for the Modern Workplace or Mastering AI for Sales Growth and Team Dynamics. Check the course page for the latest dates, fees and funding.
How do I know whether a course is eligible for SkillsFuture Credit?
Search for the course on the MySkillsFuture portal. The portal says credit eligibility varies by course, so rely on the listing for the specific course and provider.
When do I submit a SkillsFuture Credit claim?
Online, before the course start date. Log in with Singpass to check your balance and follow the claim steps on MySkillsFuture.
Can SkillsFuture Credit pay a provider’s administration charges?
No. The SkillsFuture FAQ on ask.gov.sg says it cannot offset registration, course withdrawal or administration charges.
Where do I find a course reference number?
On the course listing or in the provider’s course information, and the provider can confirm it in writing. Our AI for Sales course, for example, carries TGS-2025053114.
What should I do if a provider will not explain the fee breakdown?
Ask for the full fee, the subsidy and the net fee in writing before you pay. If the provider cannot supply them, treat the funding claim as unconfirmed.