OCBC FRANK Account and FRANK Debit Card | OCBC Singapore

OCBC FRANK ACCOUNT AND OCBC FRANK DEBIT CARD

Save or spend - you are always rewarded

Why you will love this

Up to 1.60% a year in interest or 1.30% in cashback, depending on how much you save and spend each month

No initial deposit or fall-below fee

Variety of card designs to choose from

Who can apply

Anyone above 16 years old

Singaporean, Singapore PR or foreigner with a valid pass

Apply now
 

Get your hands on new Disney and PIXAR card designs when you apply now! Find out more

Grow your money your way with the OCBC FRANK Account and OCBC FRANK Debit Card.

Important notice

For existing OCBC FRANK Account and OCBC FRANK Debit Card customers

From 1 October 2025, when you charge at least S$100 to an OCBC FRANK Debit Card (linked to an OCBC FRANK Account) each month, you will earn either extra interest of 1.00% a year OR extra cashback of 1.00%, whichever is higher. This is on top of the base interest of 0.60% a year on your account balance and base cashback of 0.30% on your debit card spending. For details, refer to our FAQ.

HOW IT WORKS

Average daily balance in account

Debit card spending

0.60% a year

a year

base interest

0.30%

base cashback

Unlock either extra interest or extra cashback, whichever is higher

+1.00%

when you charge at least S$100 to the OCBC FRANK Debit Card each month

See if you will get extra interest or cashback

This means:

  • If you qualify for bonus interest: You will earn interest of 1.60% a year on the first S$10,000 in your OCBC FRANK Account*, plus cashback of 0.30% on transactions made using your OCBC FRANK Debit Card^.
  • If you qualify for bonus cashback: You will earn cashback of 1.30% on transactions made using your OCBC FRANK Debit Card^, plus interest of 0.60% a year on the first S$10,000 in your OCBC FRANK Account*.
  • *Interest rates shown apply to the first S$10,000 in the account. Anything above that earns 0.05% a year.
  • ^Cashback is only given for transactions made at the qualifying merchants. For details, refer to the Terms and Conditions.

Take for example…

Average daily balance in account

S$2,000

Debit card spending

S$150

at qualifying merchants

We will calculate how much your bonus interest and cashback would be

S$1.69 in interest

1.00% a year on S$2,000

Higher!

S$1.50 in cashback

1.00% of S$150

Since the bonus interest is higher than the bonus cashback, we will give you 1.00% in bonus interest.

Your total earnings: S$3.15

S$2.70 in interest

1.60% a year on S$2,000

S$0.45 in cashback

0.30% of S$150

For illustration only. The amounts above are calculated on a 31-day basis.

Qualifying merchant categories

Get up to 1.3% cashback for transactions made using your OCBC FRANK Debit Card at the qualifying merchants. For the full list of qualifying merchants, refer to the Terms and Conditions.

Food and beverages merchants

Food and beverages merchants

Online retailers

Convenience stores

Transport merchants

Pharmacies

Streaming services

Recreation

Telcos

CALCULATOR

Get rewarded based on how much you save and spend each month – it is that simple!

*This amount is calculated on a 31-day basis and is for illustration only.

We have provided this calculator for your convenience only. By using it, you agree to rely on any results at your own risk. OCBC 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.

PICK A CARD DESIGN YOU WILL LOVE

Personalised your OCBC FRANK Debit Card with one of our stylish designs.

Disney and PIXAR card designs

DRAG
SWIPE

OCBC FRANK Debit Card designs

DRAG
SWIPE

See all card designs

refer and earn
FRANK is more rewarding when shared

Get your circle in on FRANK so both you and your friends can earn rewards. From 30 January to 28 February 2026, earn cash rewards for every successful referral you make – and your referred friend gets a cash reward too, while getting to enjoy the benefits of FRANK.

What you will earn when you refer your friend:

Number of referrals Cash reward (per referral)
1st to 30th referral(s) S$20
31st referral onwards S$30

Example: 32 referrals = S$660 cash reward (S$20 × 30) + (S$30 × 2)

What your referred friend will earn: S$20 cash reward

Qualifying criteria for referrals

To qualify as a successful referral, your referred friend must:

  • successfully sign up for the OCBC FRANK Account and FRANK Debit Card using the unique referral link;
  • top up at least S$500 within first 15 days of account opening; and
  • make at least 3 FRANK Debit Card transactions of min. $5 each within first 15 days of account opening

Generate your unique referral link to start referring

T&Cs apply.

More features you will love


  • Get an instant cash fix

    Need extra ka-ching in a pinch? Simply hit up any OCBC ATM to withdraw cash conveniently using QR Cash Withdrawal on the OCBC app.

  • Level up your cash game

    Wanna make your money work as hard as you do? We’ve got the investment tools to turn your side hustle cash into potential higher gains!

  • Set saving goals to stay on track

    Develop healthy habits and set a personal saving goal to work towards your wishlist.

  • Access card services with ease

    Lost your debit card? Need to lock or unlock it temporarily? Do it all in just a few taps with the OCBC app.

Before you apply

Eligibility

Minimum age

16 years old

Fees for OCBC FRANK Account

Initial deposit

S$0

Fall-below fee

S$0

Fees for OCBC FRANK Debit Card

Annual fees

S$0

Card design fees

S$0

Card replacement fees

Waived for the first two cards (after that, a fee of S$32.70 will apply)

Fees for foreign currency transactions

3.25%

Currency conversion fee

2.80%

What to prepare

Document required

For Singaporeans and Singapore Permanent Residents (PRs): Your NRIC

For foreigners: Your passport (with validity of at least 6 months) and pass (e.g. Employment Pass (EP), S-Pass or Student Pass)

Additional document

Any of the following documents that show your residential address:

  • Phone bill
  • Half-yearly CPF statement
  • Bank statement
  • For foreigners: Original copy of a faculty/hall residence letter issued by your school (must be submitted at any OCBC branch)

    OR

    Government-issued letter or notice dated within the last 3 months

Terms and conditions

Terms and Conditions governing OCBC FRANK Bonus Reward Programme

Terms and Conditions governing OCBC FRANK Account

Terms and Conditions governing OCBC FRANK Debit Card

Terms and Conditions governing Deposit Accounts

Terms and Conditions governing Electronic Banking Services

Terms and Conditions governing OCBC Electronic Statements

Terms and Conditions governing OCBC Debit Cardmembers Agreement

Terms & Conditions Governing the 2025 Q4 OCBC Debit Card and OCBC FRANK Debit Card Recurring Spend Activation Promotion

Terms and Conditions governing the OCBC FRANK Account and OCBC FRANK Debit Card MGM Promotion 2026

Important notices

Fees and charges

Deposit Insurance Scheme

GIRO

Insured Deposits Register

Fees and charges for debit card

GET STARTED

Kickstart your journey with the OCBC FRANK Account and OCBC FRANK Debit Card

Apply now

Card replacement fee

Lose a card? We get it. That is why we will waive the card replacement fee for the first two cards. After that, it will cost S$32.70 (including GST) to replace your card.

Fee for foreign currency transactions

Non-USD foreign currency transactions are first converted to USD before being converted to SGD based on the rate determined by the respective card associations.

All foreign currency transactions will incur a currency conversion charge imposed by the respective card associations (1% of the transaction amount) and a bank administrative fee (2.25%).

Currency conversion fee

An additional fee will be charged on all Visa and MasterCard transactions made in SGD and processed overseas (including online transactions). This includes but is not limited to: (i) Any Visa or MasterCard retail transaction presented in foreign currency that you choose to convert to and pay in SGD via dynamic currency conversion; and (ii) Any online retail card transaction charged to Visa or MasterCard cards in SGD on websites based overseas. The additional fee charged is 2.8% of the converted SGD amount for each Visa and MasterCard transaction.

Qualifying criteria for referrals

To qualify as a successful referral, referred friend must perform the following actions:

  • successfully sign up for the OCBC FRANK Account and FRANK Debit Card using the unique referral link;
  • top up at least $500 within first 15 days of account opening; and
  • make at least 3 FRANK Debit Card transactions of min. $5 each within first 15 days of account opening

Are you sure you want to leave our site?

You are leaving the OCBC Bank website and about to enter a third party website that OCBC Bank has no control over and is not responsible for. Before you proceed to use the third party website, please review the terms of use and privacy policy of their website. OCBC Bank’s Conditions of Access and Privacy and Security Policies do not apply at third party websites.

I would like to stayLeave website