OCBC 360 Account | High Interest Savings Account | Salary Crediting

360 Account

Maximise your interest with 360 Account

Why you will love this

Earn up to 4.65% a year on your first S$100,000 when you credit your salary, save and spend

Earn an additional 3.00% a year when you insure and invest

Who can apply

Anyone above 18 years old

Singaporean, Singapore PR or foreigner with a valid pass

 

Lunar New Year Promotion S$88 cash reward when you apply for 360 Account and credit your salary
Find out more

 

Lunar New Year Promotion S$88 cash reward when you apply for 360 Account and credit your salary
Find out more

Earn higher interest and a fully paid trip to Japan!

EXCLUSIVE LUCKY DRAW

Win a trip to Japan for Star Wars Celebration!

Calling all Star Wars fans: Stand a chance to win a pair of 3-day passes (with flights and accommodation fully paid) to Star Wars Celebration in Makuhari Messe, Japan from 18 to 20 April 2025! Simply apply for the 360 Account in January and February 2025 to earn 5 chances.

Early bird special: Earn double chances from now till 12 February 2025!

Insured up to S$100k by SDIC. T&Cs apply.

How it works

Earn bonus interest (% a year) on the first S$100,000 of your account balance. Find out what’s the total effective interest rate (EIR) across all of our categories.

Here’s a breakdown of our bonus interest rates.

First S$75,000

Next S$25,000

Salary

Credit your salary of at least S$1,800 through GIRO/FAST/
PayNow via GIRO/PayNow via FAST

2.00%

4.00%

First S$75,000

2.00%

Next S$25,000

4.00%

EIR1

2.50%

Save

Increase your average daily balance by at least S$500 monthly.

1.20%

2.40%

First S$75,000

1.20%

Next S$25,000

2.40%

EIR1

1.50%

Spend

Charge at least S$500 to selected OCBC Credit Cards each month.

0.60%

First S$75,000

0.60%

Next S$25,000

0.60%

EIR1

0.60%

Insure

Purchase an eligible insurance product from OCBC.

1.20%

2.40%

First S$75,000

1.20%

Next S$25,000

2.40%

EIR1

1.50%

Invest

Purchase an eligible investment product from OCBC.

1.20%

2.40%

First S$75,000

1.20%

Next S$25,000

2.40%

EIR1

1.50%

Grow

Maintain an average daily balance of at least S$200,000.

2.40%

First S$75,000

2.40%

Next S$25,000

2.40%

EIR1

2.40%

EIR1

2.50%

1.50%

0.60%

1.50%

1.50%

2.40%

You will earn a base interest of 0.05% a year on your entire account balance regardless of whether you fulfil the above categories.

1For maximum EIR illustration purposes for your first S$100,000:
Salary + Save: You will earn a maximum EIR of 4.05% a year.
Salary + Save + Spend: You will earn a maximum EIR of 4.65% a year.
Salary + Save + Spend + Insure / Invest: You will earn a maximum EIR of 6.15% a year.
Salary + Save + Spend + Insure + Invest: You will earn a maximum EIR of 7.65% a year.

INTEREST CALCULATOR

Discover how much interest you can earn on your first S$100,000.

2The amount is calculated on per month (31 days) basis, this is for illustration purposes only.

The calculator is for your convenience only and you have chosen to use it and rely on any results at your own risk. OCBC Bank will not under any circumstances accept responsibility or liability for any losses that may arise from a decision that you may make as a result of using the calculator.

Festive Account Opening Promotion
Huat to good fortune with S$88 cash reward

Huat to good fortune with S$88 cash reward

A S$88 cash reward is up for grabs when you apply for a 360 Account and credit your salary of at least S$1,800 (through GIRO/FAST/PayNow via GIRO/PayNow via FAST) by the next month after the account opening.

Terms and conditions apply. Insured up to S$100k by SDIC.

SIGN-UP PERKS FOR THE FAM
Get a 1-year Disney+ Premium subscription on us

Get a 1-year Disney+ Premium subscription on us

Grab the popcorn – it’s family movie time. Enjoy a year’s worth of Disney+ Premium fun:

  • if you are a new OCBC customer who signs up for a 360 Account for yourself and deposit at least S$3,000 within 30 days of account opening
  • And apply together for a MyOwn Account for your child
Valid till 31 March 2025.

Terms and conditions apply. Insured up to S$100k by SDIC.
Member-Get-Member festive Referral Promotion
Share the prosperity this Lunar New Year – refer a friend and be rewarded

Share the prosperity this Lunar New Year – refer a friend and be rewarded

Celebrate the season of abundance by referring a friend to open a 360 Account. For every successful referral, you’ll receive S$10 as a reward. There is no limit to the number of referrals, so start spreading the joy today!

Terms and conditions apply. Insured up to S$100k by SDIC.

MEMBER-GET-MEMBER WINNER ANNOUNCEMENT
Congratulations to our lucky winner!

We are thrilled to announce the winner of the Member-Get-Member Promotion, which ran from 28 June to 31 August 2024. The winner will be walking away with our grand prize:

    • A pair of Singapore Airlines Business Class tickets to Tokyo - Daniel Lee (587I)

An official email and letter with details on how to redeem the prize will be sent to the winner. Stay tuned for more promotions!

bank safely with ocbc money lock
Secure your savings with our new anti-scam feature

What’s more, your 360 Account comes with Money Lock built-in – our latest security feature that enables you to lock up the funds in your account to protect them from scams. And best yet, locked funds count towards the total account balance for the purpose of earning interest, so your savings can continue to grow while staying safe.

Find out more

before you apply

Eligibility requirements

Minimum age

18 years old

Documents required

NRIC and an image of your signature for Singaporeans and Singapore PRs

Passport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners

Additional document

Include any one of the following documents that shows your residential address

  • Phone bill
  • Half-yearly CPF statement
  • Any bank statement

Deposit requirements

Initial deposit

S$1,000

Minimum average daily balance for automatic waiver of monthly fall-below fee

S$3,000


Fees

Fall below fee

S$2 (Waived for the first year)

Cheque book fee

S$10 (This feature is optional)


Statement

Monthly statements

e-Statement only


Letters

You will receive electronic versions of Letters for all your relationships/accounts.




Policy Owners' Protection Scheme


ways to apply

Open your 360 Account today

FAQs
How different is the OCBC 360 Account from other savings or current accounts?
How is the interest calculated?
How will I know that the bonus interest is credited to my 360 Account?
Can I open more than one 360 Account?
I did not receive the Save Bonus Interest even though I transferred in funds to increase my average balance by S$500 for the month. Why is that so?
More questions and answers
1
For Singaporeans and Permanent Residents:

NRIC and an image of your signature

For foreigners:

Passport
Employment Pass (EP) or S-Pass or Student Pass

2
Initial deposit:

S$1,000

3
Include any one of the following documents:

Phone bill
Half-yearly CPF statement
Any bank statement

1
For Singaporeans and Permanent Residents:

NRIC and an image of your signature

For foreigners:

Passport
Employment Pass (EP) or S-Pass or Student Pass

2
Initial deposit:

S$1,000

3
Include any one of the following documents:

Phone bill
Half-yearly CPF statement
Any bank statement