OCBC FRANK Account and FRANK Debit Card | OCBC Singapore

OCBC FRANK Account and OCBC FRANK Debit Card

Save or spend, you're 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.

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

Personalise 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

IT’S TGI-FRANK!
Great deals. Every Friday.

Meet TGI-FRANK – your weekly rewards fix.

Drop by any OCBC Branch and get a FREE professional LinkedIn headshot!

Date 16 Oct 2026 23 Oct 2026 30 Oct 2026
Time 11am to 4pm 11am to 4pm 11am to 4pm
Venue OCBC Branch, NTU OCBC Branch, SMU OCBC Branch, NUS

Terms and conditions apply.

This month’s exclusive
From 19 Oct to 13 Nov, sign up or refer a friend to OCBC FRANK Account and Debit Card to redeem a Student Care Pack featuring iJooz vouchers, snacks and a chance to win a Golden Ticket!

Golden Ticket prizes include:

  • Apple iPhone 18 Pro Max (256GB)
  • Apple MacBook Neo (256GB)
  • Apple Airpods 5
  • Disney Stitch Blindbox

Whilst stock lasts. Terms and conditions apply.

WELCOME REWARD
Get S$20 when you sign up for OCBC FRANK Account

From now till 31 December 2026, receive a S$20 cash reward when you successfully sign up for an OCBC FRANK Account and OCBC FRANK Debit Card.

Valid for new-to-OCBC customers aged 16 to 26 years old.

Terms and conditions apply.

REFER AND GET REWARDED
Get S$20 for every friend you refer

From now till 31 December 2026, receive S$20 for every friend you successfully refer to sign up for an OCBC FRANK Account and OCBC FRANK Debit Card through your unique referral link. No limit to how many friends you can refer.

For every successful referral, you will receive:

  • S$20 cash

Terms and conditions apply.

Generate your referral link

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

Terms and Conditions governing the OCBC FRANK Account and OCBC FRANK Debit Card TGI-FRANK Upsized Cashback Promotion

Terms and Conditions Governing the OCBC FRANK Account and OCBC FRANK Debit Card Welcome Reward Promotion

GET STARTED

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

Apply now

Terms and conditions

  1. Valid from 16 March 2026 to 28 February 2027.
  2. Payment must be made with an OCBC Card. Valid for all OCBC Cards issued in Singapore, Malaysia, Indonesia, Hong Kong and Macau.
  3. Not valid for seasonal items.
  4. Not valid in conjunction with other discounts, membership privileges, promotions or vouchers.
  5. Merchant’s terms and conditions apply. Please contact the merchant directly for full details.
  6. OCBC reserves the right at its absolute discretion to terminate the promotion or vary, delete or add to the promotion, or any of these terms and conditions, at any time without notice including without limitation, the dates of the promotion.
  7. OCBC shall not be responsible for the quality, merchantability or fitness for any purpose or any other aspect of the promotion or any product/service relating to the promotion. Notwithstanding anything herein, OCBC shall not at any time be responsible or held liable for any defect or malfunction in any product or the deficiency in any service provided, and/or any loss, injury, damage or harm suffered or incurred by or in connection with the use of the promotion, or any product/service relating to the promotion, by any person.
  8. OCBC’s decision on all matters relating to the promotion will be final and binding on all participants. No correspondence or appeal shall be entertained by OCBC. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to the promotion, these terms and conditions shall prevail.
  9. These terms and conditions shall be governed by the laws of Singapore and each participant in the promotion irrevocably submits to the non-exclusive jurisdiction of the courts of Singapore. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of these terms and conditions.

How to change your NS allowance crediting bank account?

You can update your new bank account via “Update My Profile” on OneNS. The change must be made by the 25th of the month for your pay or allowances to be credited to the new bank account on the next payday, which is the 10th of the following month.

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

Terms and Conditions (CHICHA San Chen)

  1. Valid from 1 April to 31 July 2026 or when fully redeemed, whichever earlier.
  2. Payment must be made with an OCBC MyOwn Debit Card or OCBC FRANK Debit Card.
  3. Valid for purchases at all CHICHA San Chen outlets in Singapore except Jewel Changi Airport. Not valid for online orders.

Terms and Conditions (PlayMade)

  1. Valid from 1 April to 30 September 2026, or until fully redeemed, whichever comes first.
  2. Payment must be made with an OCBC MyOwn Debit Card or OCBC FRANK Debit Card.
  3. Valid for walk-in, over-the-counter purchases at PlayMade and Playground outlets in Singapore only.
  4. Valid on weekdays, between 1pm to 6pm.
  5. The promotion is not applicable to:
    • Orders placed via the PlayMade mobile app;
    • Purchases made through third-party delivery platforms (including but not limited to GrabFood, Foodpanda, Deliveroo);
    • Online or in-app transactions of any kind
  6. Limited to one redemption per cardmember per bill; no splitting of bills allowed.
  7. Not valid in conjunction with other discounts, membership privileges, promotions, and/or vouchers.
  8. Merchant’s terms and conditions apply. Please contact the Merchant directly for full details.
  9. OCBC reserves the right at its absolute discretion to terminate the promotion or vary, delete, or add to the promotion, or any of these terms and conditions, at any time without notice including without limitation, the dates of the promotion.
  10. OCBC shall not be responsible for the quality, merchantability or fitness for any purpose or any other aspect of any product/service. Notwithstanding anything herein, OCBC shall not at any time be responsible or held liable for any defect or malfunction in any product or the deficiency in any service provided, and/or any loss, injury, damage, or harm suffered or incurred by or in connection with the use of any product/service by any person.
  11. OCBC’s decision on all matters relating to the promotion will be final and binding on all participants. No correspondence or appeal shall be entertained by OCBC. In the event of any inconsistency between these terms and conditions and any brochure, marketing or promotional material relating to the promotion, these terms and conditions shall prevail.
  12. These terms and conditions shall be governed by the laws of Singapore and each participant in the promotion irrevocably submits to the non-exclusive jurisdiction of the courts of Singapore. A person who is not a party to any agreement governed by these terms and conditions shall have no right under the Contracts (Rights of Third Parties) Act 2001 to enforce any of these terms and conditions.

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