Get up to S$200 foodpanda vouchers! Plus, stand to win a trip to Hawaii.
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Your 9–5 helps you earn a living – now let it fuel the life you love from 5–9. With the Beyond your 9–5 Starter Kit, grow your savings and get rewarded for your everyday spending. Credit your salary, save and spend with the 360 Account to earn up to 3.30% bonus interest per year – plus enjoy 1.6% cashback with the OCBC 365 Credit Card.
In line with lower interest rate expectations, we will revise interest rates for the 360 Account on 1 August 2025.
We remain committed to delivering long-term value to you. The 360 Account will offer up to 2.45% a year on your first S$100,000 if you credit your salary, spend and save with us.
For more information, visit ocbc.com/notices.
Make the most of your first paycheck with 360 Account. Grow your savings with interest up to 3.30% a year when you credit your salary, save and spend with us.
Earn unlimited 1.6% cashback on your eligible spending with the INFINITY Cashback Card with no minimum spend required. Enjoy rewards without the pressure to meet spending thresholds. Fees and charges apply.
Insured up to S$100k by SDIC.
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 2.80% a year.
Salary + Save + Spend: You will earn a maximum EIR of 3.30% a year.
You can earn even more interest if you insure, invest, or maintain an average daily of at least S$250k. Find out more.
Please check the appropriate boxes below:
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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.
Earn 1.6% in unlimited cashback on transactions made in stores or online, locally or overseas. Please refer to our FAQs for details about the spending exclusions.
Earn 1.6% in unlimited cashback on transactions made in stores or online, locally or overseas. Please refer to our FAQs for details about the spending exclusions.
Earn cashback from the first dollar spent – no minimum spending required.
Earn cashback from the first dollar spent – no minimum spending required.
The more you spend, the more you earn. No limit!
The more you spend, the more you earn. No limit!
Start strong with these rewards:
Valid till 31 July 2025.
Terms and conditions, fees and charges apply. Insured up to S$100k by SDIC.
Our Wealth Dashboard is your one-stop shop that gives you a snappy snapshot of your finances, investments, goals, and insurance.
It's like having your entire financial universe packed neatly into one super-friendly, easy-peasy page.
Our tailor-made financial tips are like a personal stylist for your money, offering you insights that fits just right—whether you're saving up for something shiny or plotting your next big investment adventure.
Tracking your performance to make informed decisions? Our tools will make sure you're always in the know - so you can make the most out of your financial moves.
Whether you're a steady saver or a daring dreamer, invest like a pro with our investor profiling journey to filter our products based on your financial vibe.
Get the facts in one place – track all your transactions with a sleek, consolidated dashboard.
No one knows your finances better than you. Take control by sorting your transactions into categories like food and drinks, shopping or entertainment.
Say goodbye to manual tracking using spreadsheets! Add transactions not made using an OCBC cards or accounts to get a fuller view of your finances.
Keep your finances in check by monitoring your month-on-month spending trends. This helps you adjust your spending and finish the month well.
Setting up a feasible budget is simple with our step-by-step guide.
Set spending limits by category. Then, pin your favourite three categories to your dashboard for an instant reality check.
Need to cut back on your spending? Our smart tips are here to help.
Personalise your budget to fit your lifestyle. From choosing when your budget resets to whether you will receive notifications when 80% and/or 100% of your budget is reached, the decision is yours.
Compare your spending against your budget – by category and overall – to always know where you stand.
Budgeting is a marathon, not a sprint. To keep you going, we will give you a little nudge (or cheer you on!) based on how consistently you have stayed on budget.
Minimum age
21 years old
Nationality
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
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
Minimum Age
21 years old
Annual Income
S$30,000 and above for Singaporeans and Singapore PRs
S$45,000 and above for foreigners
Credit Bureau Singapore
Please note that additional time may be needed to review your application as Credit Bureau of Singapore will synchronising data from 12am to 8am daily.
Myinfo
Myinfo will be temporarily unavailable from 2am to 8.30am every Wednesday and Sunday due to scheduled maintenance.
Card fees and charges apply.
Open your account instantly with the OCBC app if you are a Singaporean with a valid Singpass or foreigners who hold an OCBC product.
If you are a foreigner and new to OCBC or a Singaporean without a Singpass, please visit an OCBC bank branch with the required documents to open your account
For Singaporeans and Permanent Residents:
For foreigners:
Initial deposit:
Include any one of the following documents:
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:
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).
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.
