A first-of-its-kind savings account for kids aged 7 to 15, the OCBC MyOwn Account lets your child manage their own money while you stay in control.
T&Cs apply. Insured up to S$100k by SDIC.
Current promotion Enjoy double bonus interest for salary and card spend categories when you open a new 360 Account
Find out more
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.
Please check the appropriate boxes below:
a month2
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.
Apply for a 360 Account and fulfill these categories to enjoy double bonus interest rate on the first S$75,000 balances for the first 2 months after the month of account opening.
Valid from 1 October to 31 October 2024. Terms and conditions apply. Insured up to S$100K by SDIC.
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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 a MyOwn Account for your child by 31 December 2024.
Terms and conditions apply.
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:
An official email and letter with details on how to redeem the prize will be sent to the winner. Stay tuned for more promotions!
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.
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
Initial deposit
S$1,000
Minimum average daily balance for automatic waiver of monthly fall-below fee
S$3,000
Fall below fee
S$2 (Waived for the first year)
Cheque book fee
S$10 (This feature is optional)
Monthly statements
e-Statement only
You will receive electronic versions of Letters for all your relationships/accounts.
This plan is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
or visit us at a branch with these documents.
The OCBC 360 Account is one of our best savings account that pays you bonus interest when you do all or any of these:
The account comes with e-statements and you can choose to have a cheque book.
You get 2 types of interest on your account balance every month.
Base interest:
This interest is accrued daily based on your account's day-end balance and you will receive this at the end of the month.
Bonus interest:
For the SIX types of bonus below, you will earn bonus interest at 3 tiers based on your account balance, up to the first S$100,000:
For illustration purpose:
| Bonus Interest Categories | Maximum interest earned a year1 |
|---|---|
| SALARY | S$2,500 |
| SAVE | S$1,500 |
| SPEND | S$600 |
| INSURE | S$1,500 |
| INVEST | S$1,500 |
| GROW | S$2,400 |
| TOTAL | S$10,000 |
1 The maximum interest earned is computed based on the effective interest rate of the respective bonus interest categories and the bonus interest balance cap, based on a 365 day calendar year.
Your bonus interest will be reflected in your e-statement, Online Banking and Mobile Banking transaction history as follows
If you close your account before the bonus interest crediting date, the bonus interest for the previous month will be forfeited.
Each customer is only allowed to open ONE OCBC 360 Account where he/she is the Primary Account holder. The signing mandate can be either signed singly or joint alternate.
Your FAST/ PayNow Transfer to your 360 Account might have a value date that is different from the transaction date. Funds received on a non-business day (for example, Sunday or public holidays) or after the Bank’s cut-off time on a business day will be valued on the next business day. The calculation of the average daily balance for each month depends on the value date of fund transfers.
Prizes up for grabsWhat's in it for you:
How referrals work:
| Your friend applies for | Referral bonus | Lucky draw chances for you and your friend |
| 360 Account | S$5 | 1 |
| OCBC 365 Credit Card | S$5 | 1 |
| Both a 360 Account and OCBC 365 Credit Card | S$10 | 3 |
Rewards for top referrers:
To top it all off, the leading 15 referrers* will receive additional rewards:
*A minimum of 20 referrals is required to qualify as one of the top referrers.
How referral count works:
| Your friend applies for | No. of referral counts for referrer |
| 360 Account or OCBC 365 Credit Card | 1 |
| 360 Account and OCBC 365 Credit Card | 2 |
What’s in it for your friends:
For the first 2 months after the month of account opening, enjoy:
Insured up to S$100k by SDIC. Terms and conditions, fees and charges apply.
Important note:
To qualify as a successful referral, your friend must:
How to earn the Salary bonus interestCredit your salary of at least S$1,800 into the 360 Account.
Only salary credit through these transaction descriptions and codes in your statements will qualify for this bonus:
To set up your 360 Account as your salary crediting account, please inform your HR department of your new account number (you will only need to do it once).
If the account is successfully opened in June 2024, the double bonus interest rate will be applicable for July and August 2024.
How to earn the Spend bonus interestSpend at least S$500 in total across your personal OCBC Credit Card(s) such as 365, Titanium, Platinum, FRANK, Robinsons, Plus!, Best Denki and 90°N.
You need to be the primary account holder of the 360 Account as well as the Principal Cardmember of the eligible OCBC Credit Card(s).
Eligible transactions with posting date within the calendar month will be considered, less off and excluding amounts in all transactions that are terminated, voided, reversed or cancelled.
How to earn the Save bonus interestIncrease your account’s average daily balance by at least S$500 from the previous month’s average daily balance. Average daily balance is calculated using the total amount of daily balances in your account divided by the number of days in the month. Please note this is not the same as month-end balance.
How to earn the Spend bonus interestCharge at least S$500 to your OCBC 365, OCBC INFINITY, OCBC NXT, OCBC 90°N or OCBC Rewards Card.
How to earn the Insure bonus interestPurchase any one of the eligible insurance products from OCBC of at least the minimum amount as follows:
Eligible insurance products
Minimum qualifying amount
Regular Premium: Protection/Legacy/Investment Linked Policy
S$2,000 annual premium
Regular Premium: Endowment/Retirement
S$4,000 annual premium
Single Premium Insurance
S$20,000
Note: The minimum placement amount to qualify for the insure bonus may differ from the minimum premiums required for the insurance products. Speak to our Personal Financial Consultants for more details. They can aid you by performing a Financial Needs Analysis (FNA) to ensure that the product you purchase meets your financial needs.
For Regular Premium Insurance Categories, the minimum qualifying amount refers to the annual premium of the policy. Qualifying amount is taken after prepayment discount (if any).
You need to be the primary account holder of the 360 Account as well as the policyowner of the eligible insurance product.
Purchases of the same financial product will be aggregated, if their effective date post free-look period or 14 days whichever is longer, falls in the same calendar month.
This bonus interest is accorded for 12 months after the effective date of purchase, post the free look/cancellation period or 14 days, whichever is longer.
How to earn the Invest bonus interestPurchase any one of the eligible investment products from OCBC of at least the minimum amount as follows:
Eligible investment products
Minimum qualifying amount
Unit Trusts
S$20,000
Exclude Unit Trusts investments into money market funds, Systematic Investment Programme (OCBC Momentum) and Unit Trusts transferred in from other financial institutions
Structured Deposits
S$20,000
Bonds and structured products
S$200,000
Note: Speak to our Personal Financial Consultants for more details. They can aid you by performing a Financial Needs Analysis (FNA) to ensure that the product you purchase meets your financial needs.
You need to be the primary account holder of the 360 Account as well as the single name account holder of the eligible investment product.
Purchases of the same financial product will be aggregated, if their effective date post free-look period or 14 days whichever is longer, falls in the same calendar month.
This bonus interest is accorded for 12 months after the effective date of purchase, post the free look/cancellation period or 14 days, whichever is longer.
How to earn the Grow bonus interestYour account's average daily balance for the month must be at least S$200,000.
How to earn the Boost bonus interestEarn this bonus interest on the increase in your account's average daily balance from the previous month's average daily balance, up to S$1,000,000.
New accounts opened will earn the bonus interest on the average daily balance in the month of account opening, and incremental balances in subsequent months, up to a cap of S$1,000,000.
Eligible spending categories
Grocery Stores
(Merchant Category Code 5411)
and more!
F&B Establishments
(Merchant Category Code 5812, 5813 or 5814)
and more!
The following table shows how you will receive the cash rebates on your first 5 OCBC Debit Card transactions, capped at S$10 per transaction.
| Transaction | Amount Spent | Rebate Awarded | Total Rebates Awarded |
| 1st | S$5 | S$5 |
S$36 |
| 2nd | S$200 | S$10 (capped) | |
| 3rd | S$1 | S$1 | |
| 4th | S$13 | S$10 (capped) | |
| 5th | S$10 | S$10 |
Rewards to earnThe following table shows the possible rewards you can get based on your spending amount.
| Spending amount | Rewards |
| S$200 or more | 1-year Burpple Beyond Premium Membership |
| S$500 or more | 1-year Burpple Beyond Membership + S$30 cash rebate |
NRIC and an image of your signature
Passport
Employment Pass (EP) or S-Pass or Student Pass
S$1,000
Phone bill
Half-yearly CPF statement
Any bank statement
NRIC and an image of your signature
Passport
Employment Pass (EP) or S-Pass or Student Pass
S$1,000
Phone bill
Half-yearly CPF statement
Any bank statement
Download the OCBC Digital app to open your account instantly.
If you do not have Singpass, you can apply at an OCBC bank branch with these documents
For Singaporeans and Permanent Residents:
For foreigners:
Initial deposit:
Include any one of the following documents:
The insurance plans are underwritten by The Great Eastern Life Assurance Company Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group and Transamerica Life Bermuda Ltd. The insurance plans are not bank deposits and OCBC Bank does not guarantee or have any obligations in connection with it.
The information provided herein is intended for general circulation and/or discussion purposes only. It does not consider the specific investment objectives, financial situation or particular needs of any particular person.
Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase the investment product. If you choose to not seek advice from a financial adviser, you should consider if the product is suitable for you.
This does not constitute an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into a transaction or to participate in any particular trading or investment strategy.
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value payable may be less than the total premiums paid.
This document is for general information only. It is not a contract of insurance or an offer to buy an insurance product or service. It is also not meant to provide any insurance or financial advice. The specific terms and conditions of the plan are set out in the policy documents. If you are interested in the insurance policy, you should read the product summary and benefit illustration (available from us) before deciding whether to buy this product.
No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
OCBC Bank, its related companies, and their respective directors and/or employees (collectively “Related Persons”) may, or might have in the future, interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.
You must read the Offer Document/Indicative Term Sheet/Product Highlight Sheet before deciding whether or not to purchase the investment product, copies of which may be obtained from your relationship manager.
The information provided herein is intended for general circulation and/or discussion purposes only. It does not consider the specific investment objectives, financial situation or particular needs of any particular person.
Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase the investment product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.
This does not constitute an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into a transaction or to participate in any particular trading or investment strategy.
No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
Investments are subject to investment risks, including the possible loss of the principal amount invested. The information provided herein may contain projections or other forward-looking statement regarding future events or future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures are not necessarily indicative of future or likely performance.
Any reference to any specific company, financial product or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same.
OCBC Bank, its related companies, and their respective directors and/or employees (collectively “Related Persons”) may, or might have in the future, interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.
You must read the Offer Document/Indicative Term Sheet/Product Highlight Sheet before deciding whether or not to purchase the investment product, copies of which may be obtained from your relationship manager.
The information provided is for general information and/or discussion purposes only. It does not consider the specific investment objectives, financial situation or particular needs of any particular person.
Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase the investment product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.
This does not constitute an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into a transaction or to participate in any particular trading or investment strategy.
No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
The investment objective of the fund is more particularly described in the fund prospectus. You can get a copy of the prospectus of the fund from the manager of the fund, or any of its approved distributors. You should read the prospectus for details of the fund before deciding whether to subscribe for, or buy, units in the fund. The value of the units in the fund and the income building up from the units, if any, may fall or rise.
Investments are subject to investment risks, including the possible loss of the principal amount invested. The information in this document may contain projections or other forward-looking statements regarding future events or the future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures, predictions or projections are not necessarily indicative of future or likely performance.
Any reference to any specific company, financial product or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same.
OCBC Bank, its related companies, and their respective directors and/or employees (collectively “Related Persons”) may, or might have in the future, interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.
You must read the Offer Document/Indicative Term Sheet/Product Highlight Sheet before deciding whether or not to purchase the investment product, copies of which may be obtained from your relationship manager.
A copy of the prospectus of each fund is available and may be obtained from the fund manager or any of its approved distributors. Potential investors should read the prospectus for details on the relevant fund before deciding whether to subscribe for, or purchase units in the fund.
The value of the units in the funds and the income accruing to the units, if any, may fall or rise. Please refer to the prospectus of the relevant fund for the name of the fund manager and the investment objectives of the fund.
Investment involves risks. Past performance figures do not reflect future performance.
Any reference to a company, financial product or asset class is used for illustrative purposes and does not represent our recommendation in any way.
The indicative distribution rate may not be achieved and is not an indication, forecast, or projection of the future performance of the Fund.
For funds that are listed on an approved exchange, investors cannot redeem their units of those funds with the manager, or may only redeem units with the manager under certain specified conditions. The listing of the units of those funds on any approved exchange does not guarantee a liquid market for the units.
The information provided herein is intended for general circulation and/or discussion purposes only. It does not consider the specific investment objectives, financial situation or particular needs of any particular person.
Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase the investment product. In the event that you choose not to seek advice from a financial adviser, you should consider whether the product in question is suitable for you.
This does not constitute an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into a transaction or to participate in any particular trading or investment strategy.
No representation or warranty whatsoever (including without limitation any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect of any information (including without limitation any statement, figures, opinion, view or estimate) provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
Investments are subject to investment risks, including the possible loss of the principal amount invested. The information provided herein may contain projections or other forward-looking statement regarding future events or future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures are not necessarily indicative of future or likely performance.
Any reference to any specific company, financial product or asset class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same.
OCBC Bank, its related companies, and their respective directors and/or employees (collectively “Related Persons”) may, or might have in the future, interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.
You must read the Offer Document/Indicative Term Sheet/Product Highlight Sheet before deciding whether or not to purchase the investment product, copies of which may be obtained from your relationship manager.
Unlike traditional deposits, Structured Deposits have an investment element and returns may vary. The initial investment amount of a Structured Deposit will be returned to you only if you hold it until maturity date. Early withdrawal of Structured Deposits may result in you receiving significantly less than your initial investment amount. You further understand that you will bear any costs and charges associated with such early withdrawal of the Structured Deposits. OCBC Bank may have the right to terminate the Structured Deposits and return an amount in cash to you from the due settlement of the Structured Deposits before the maturity date. You may be exposed to inherent exchange rate risks and exchange controls when you place a Structured Deposit.
Structured Deposits are not insured deposits for the purposes of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore.
