对的OA不够，可以用现金填到够。五十五岁后等于现金变成SA 4%的活期，但是只能取，不能再存了。

五十五岁之后如果ERS满了，就不能了topup SA了 https://www.cpf.gov.sg/member/faq/growing-your-savings/retirement-sum-topping-up-scheme/i-am-55--can-i-transfer-my-ordinary-account-savings-to-my-specia If I am 55, can I transfer my Ordinary Account savings to my Special Account to earn a higher interest rate? No, you will not be able to make CPF transfers to your Special Account (SA) after you turn 55. Instead, your transfers will be made to your Retirement Account (RA), which was created for your retirement needs. https://www.cpf.gov.sg/member/faq/growing-your-savings/retirement-sum-topping-up-scheme/what-is-the-maximum-amt-of-top-ups-i-can-receive