OCBC MyOwn Account

Help your child get smarter about money

Why you will love this

Stay in control with spending limits and real-time transaction alerts on your OCBC app

Let your child build smart money habits by setting MyOwn Savings Goal and monitoring their progress

Who can open an account

Parents (Singaporean or Permanent Resident residing in Singapore) on behalf of their child; and

Child must be Singaporean, Singaporean Permanent Resident or foreigner born in Singapore and be 7 to 15 years old

Apply online
 

With MyOwn Savings Goal, your child can earn up to 3.00% a year on their first S$2,000.Find out more

IMPORTANT NOTICE

Looking for an account for your child to receive the Child Support Package?

With OCBC MyOwn Account, your child can receive eligible payouts via PayNow. Here's how to link your child's PayNow to their NRIC.

Guiding your child towards financial independence every step of the way.

GET THE LOWDOWN ON BENEFITS

Why choose MyOwn?

Why choose MyOwn?

Give them independence. Keep your peace of mind.

Stay connected to your child's spending with real-time notifications, transaction visibility and a dedicated Parent Dashboard on the OCBC app, so you always know where their money is going.

*Your child's other accounts, like Mighty Savers and Child Development Account, will not be shown or available for transactions on your child's app.

Help your child develop healthy money habits that last a lifetime.

Help your child build confidence in a cashless world while developing healthy money habits. With ATM withdrawals, debit card payments, QR payments and PayNow transfers, they gain real-world money management experience, while you can automate allowances, track spending and guide them towards smarter financial decisions.

“NEW” Turn savings goals into life lessons.

Let your child set their own savings goals, track their progress and celebrate each milestone along the way. Plus, with MyOwn Savings Goal, they can earn up to 3.00% a year on their first S$2,000, giving their savings an extra boost towards the finish line.

If you have multiple MyOwn Savings Goals, the S$2,000 cap applies to the combined balance across all goals.

Give your child the freedom to learn, with safeguards in place.

With spending limits, withdrawal controls, Money Lock and Kill Switch, you can give your child the freedom to learn while knowing their money is protected every step of the way.

For your peace of mind, QR cash withdrawals are limited to S$50 per day. Other transactions have a default daily limit of S$10, which can be increased after a 12-hour cooling-off period.

Ages 7–9: Learning the basics

Help your child build strong money habits early by learning to save, spend wisely and set a MyOwn Savings Goal. You can turn everyday moments into valuable money lessons.

Ages 10–12: Building responsibility

As your child gains independence, they can learn to manage allowances and track spending. You can stay involved with greater visibility, helping reinforce responsible financial habits.

Ages 13–15: Preparing for independence

Give your teen hands-on experience with cashless payments, PayNow and budgeting. You can guide their spending and automate allowances, helping your teen gain confidence while staying on track financially.

Hear it from parents like you

  • Jassmin, Parent of a 10-year-old OCBC MyOwn Account holder

    Read more

  • Terence, Parent of a 14-year-old OCBC MyOwn Account holder

    Read more

  • Michelle, Parent of a 9-year-old OCBC MyOwn Account holder

    Read more

  • Jeaneve, Parent of an 11-year-old OCBC MyOwn Account holder

    Read more
ONE CARD, OVER 15 DESIGNS

Let your child own his/her creativity with a debit card design that he/she loves.

Disney and Star Wars card designs

  • Disney’s Winnie the Pooh – OCBC
  • Disney’s Winnie the Pooh and Friends – OCBC
  • Disney’s Princess Belle – Sleeping Beauty – OCBC
  • Disney Stitch and Angel Limited Edition Debit Card - OCBC
  • LIMITED EDITION
    Disney Stitch and Angel Limited Edition Debit Card - OCBC
  • LIMITED EDITION
    Disney Stitch and Angel Limited Edition Debit Card - OCBC
  • LIMITED EDITION
    Spiderman Limited Edition Debit Card - OCBC
  • LIMITED EDITION
    Star Wars Yoda Limited Edition Debit Card - OCBC
  • LIMITED EDITION
    The Lion King Limited Edition Debit Card - OCBC
  • LIMITED EDITION
    Judy Zootopia Limited Edition Debit Card - OCBC
DRAG
SWIPE

Exclusive OCBC MyOwn card designs

  • Black and Gold Classic Debit Card - OCBC
  • Capybara Debit Card - OCBC
  • TS Koi on Guitar Debit Card - OCBC
  • Spaceman Debit Card - OCBC
  • Capybara Limited Edition Visa Card - OCBC
  • Cute Animals Debit card - OCBC
  • Fast Cars Debit Card - OCBC
  • Aurora Debit Card - OCBC
  • Bubble Tea Debit Card - OCBC
  • Japanese Waves Debit Card - OCBC
DRAG
SWIPE

Once your child has chosen a favourite design, it will be his/hers for good – pick wisely!

Financial Literacy Programme
Build your child’s ‘money confidence’ with OCBC Financial Literacy

Learn money-savvy tips through Disney adventure comics and activities. Topics include mastering money management, online safety and digital banking 101.

Find out more
SEE WHAT’S NEW!
Keep your child’s savings goals right on track!

Whether your child is saving for a gadget or a personal goal, help them stay on track with OCBC MyOwn Savings Goal. Set targets, track their progress and celebrate milestones as they progress towards the finish line.

Plus, with MyOwn Savings Goal, they can earn up to 3.00% a year on their first S$2,000. Here’s how the interest adds up:

2.95%

a year OCBC MyOwn Savings Goal interest*

0.05%

a year base interest

+
+

Up to

3.00%

a year

=
=

*Valid till 31 March 2027, thereafter you will earn a bonus interest rate of 0.95% a year.

If you have multiple MyOwn Savings Goals, the S$2,000 cap applies to the combined balance across all goals.

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

LATEST PROMOTION
Calling all OCBC MyOwn Account holders: Get your Flying Cape Future‑Ready Starter Kit when you refer!

Refer a friend to open an OCBC MyOwn Account and Debit Card for their child, and both of you will receive an exclusive Future-Ready Starter Kit worth S$320 — a curated bundle of enrichment courses by Flying Cape (first referral only). Your friend must deposit S$10 into their child’s new account within 30 days of account opening to qualify.

Plus, for every successful referral, we'll credit S$5 to your child’s account. Let your child enjoy complimentary trial classes to explore their interests before committing. Hurry, offer ends 30 September 2026! Here’s how to start sharing. T&Cs apply. Insured up to S$100k by SDIC.

Get more than S$320 worth of future-ready enrichment courses today!

Receive an exclusive Future‑Ready Starter Kit worth more than S$320 when you sign up your child for an OCBC MyOwn Account from now till 31 December 2026. T&Cs apply. Insured up to S$100k by SDIC.

In collaboration with Flying Cape, let your child explore what they enjoy through our complimentary trial enrichment courses. Sign up for OCBC MyOwn Account today and help your child be future‑ready and money‑smart.

  • Wukong Mandarin Trial (1-to-1 Online)
    Fun, interactive 1-to-1 live online language lessons. Complete this trial and get a FREE myFirst tech gift (worth up to S$79.90).
  • Kidspreneurship Trial (30-Day Access + Guided Session)
    Learn how ideas become real businesses through fun activities.
  • Mofunland Cubing Trial (On-site Experience)
    Boost focus, memory and problem-solving skills through fun cubing challenges.
  • The Lab Robotics Trial (Hands-On Building Experience)
    Turn passive learners into creators by building and programming robots.
MYOWN DEBIT CARD DEALS
Get a flavour of the epic savings the OCBC MyOwn Debit Card could give your child. They can access these exclusive deals on their app: OCBC app > Deals
Din Tai Fung

Din Tai Fung

OCBC MyOwn Debit Card and OCBC FRANK Debit Card Exclusive

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Din Tai Fung

Din Tai Fung

OCBC MyOwn Debit Card and OCBC FRANK Debit Card Exclusive

  • 15% off Steamed Buns with purchase of fried rice or noodle (weekdays from 2pm to 5pm).
    Valid at Din Tai Fung Singapore.

Terms and Conditions

  1. Valid till 31 December 2026.
  2. Valid for dine-in only, while servings last.
  3. Valid only on weekdays between 2pm to 5pm, excluding eve of/and public holidays, and public holidays-in-lieu.
  4. Promotion is not valid for seasonal dishes.
  5. Payment must be made with an OCBC MyOwn Debit Card or OCBC FRANK Debit Card.
  6. All prices stated are before service charge and prevailing GST.
  7. Not valid in conjunction with other discounts, membership privileges, promotions, and/or vouchers.
  8. Merchant’s terms and conditions apply. Please contact 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.
Lenskart

Lenskart

48% off all single frame purchase (including lens)

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Lenskart

Lenskart

48% off all single frame purchase (including lens)

Terms and Conditions

  1. Valid till 31 March 2027.
  2. Offer is valid only for OCBC MyOwn Debit Cardmembers who make payment with the OCBC MyOwn Debit Card.
  3. Available at all Lenskart retail stores in Singapore. Not applicable to online or in‑app transactions of any kind. No refunds or compensation will be provided for transactions made outside of eligible purchase channels.
  4. Not valid in conjunction with other discounts, membership privileges, promotions, and/or vouchers.
  5. Merchant’s terms and conditions apply. Please contact the Merchant directly for full details.
  6. OCBC and the Merchant reserve 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 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.
  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.
PlayMade

PlayMade

Free upsize with any drink purchased from Classic Tea and Milk Tea categories (Mon-Fri, 1pm to 6pm)

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PlayMade

PlayMade

Free upsize with any drink purchased from Classic Tea and Milk Tea categories (Mon-Fri, 1pm to 6pm)

Valid at all PlayMade and Playground by PlayMade Singapore outlets.

Terms and Conditions

  1. Valid from 1 April 2026 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:
    1. Orders placed via the PlayMade mobile app;
    2. Purchases made through third-party delivery platforms (including but not limited to GrabFood, Foodpanda, Deliveroo);
    3. 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.
Pororo Park

Pororo Park

Unlimited Playtime on Weekdays at S$38

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Pororo Park

Pororo Park

OCBC MyOwn Debit Card

  • Unlimited Playtime on Weekdays at S$38

Only valid for online purchase here

OCBC All Cards

  • 10% off 2 Hour/3 Hour Playtime on Weekdays for online bookings only
    Promo Code: OCBC10

Only valid for online purchase here

Terms and conditions

  1. Payment must be made with an OCBC Card.
  2. Valid for all OCBC Cards issued in Singapore, Malaysia, Indonesia, Hong Kong and Macau.
  3. Valid from 1 April to 31 December 2026.
  4. Promotions are not applicable for walk-in purchases.
  5. The Unlimited Playtime (Weekdays) promotion is available exclusively via the designated private booking link.
  6. Promotions for all OCBC Cardmembers are valid for online purchases only. Promo codes must be entered at checkout and cannot be applied after payment is completed.
  7. This promotion is exclusive to OCBC MOA Cardmembers and OCBC Cardmembers, as specified per offer. Eligibility under the respective programme will be verified during check-in.
  8. All guests must present valid booking confirmation upon arrival.
  9. Promotions are valid on weekdays only, unless otherwise stated.
  10. Promo codes must be entered at checkout and cannot be applied after payment is completed.
  11. Promotions are non-transferable, non-refundable, and not exchangeable for cash.
  12. Promotions cannot be combined with other discounts, promotions, or vouchers, unless otherwise stated.
  13. Not valid in conjunction with other discounts, membership privileges, promotions, and/or vouchers.
  14. Merchant’s terms and conditions apply. Please contact the Merchant directly for full details.
  15. OCBC and the Merchant 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.
  16. 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.
  17. 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.
  18. 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.
Super Park

Super Park

SuperPark OCBC card deals

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Super Park

Super Park

OCBC MyOwn Debit Card:

  • Special Weekday Pass (3pm – 9pm) at S$27.90 (U.P. S$33.90)

Only valid for online purchase here

OCBC All Cards:

  • 10% off Weekday Daypass
    Promo Code: OCBC10
  • 15% off Spark Night
    Promo Code: OCBC15

Only valid for online purchase here

Terms and Conditions

  1. Payment must be made with an OCBC Card.
  2. Valid for all OCBC Cards issued in Singapore, Malaysia, Indonesia, Hong Kong and Macau.
  3. Valid from 1 April to 31 December 2026.
  4. Promotions are not applicable for walk-in purchases.
  5. The SuperPark Weekday Special (3:00 PM – 9:00 PM) is available exclusively via the designated private booking link.
  6. Promotions for all OCBC Cardmembers are valid for online purchases only. Promo codes must be entered at checkout and cannot be applied after payment is completed.
  7. This promotion is exclusive to OCBC MOA Cardmembers and OCBC Cardmembers, as specified per offer. Eligibility under the respective programme will be verified during check-in.
  8. All guests must present valid booking confirmation upon arrival.
  9. Promotions are valid on weekdays only, unless otherwise stated.
  10. Promo codes must be entered at checkout and cannot be applied after payment is completed.
  11. Promotions are non-transferable, non-refundable, and not exchangeable for cash.
  12. Promotions cannot be combined with other discounts, promotions, or vouchers, unless otherwise stated.
  13. Not valid in conjunction with other discounts, membership privileges, promotions, and/or vouchers.
  14. Merchant’s terms and conditions apply. Please contact the Merchant directly for full details.
  15. OCBC and the Merchant 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.
  16. 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.
  17. 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.
  18. 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.
Tayo Station

Tayo Station

Unlimited Playtime on Weekdays at S$27.90

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Tayo Station

Tayo Station

OCBC MyOwn Debit Card

  • Unlimited Playtime on Weekdays at S$27.90

Only valid for online purchase here

OCBC All Cards

  • 10% off 2 Hour/3 Hour Playtime on Weekdays for online bookings only
    Promo Code: OCBC10

Only valid for online purchase here

Terms and Conditions

  1. Payment must be made with an OCBC Card.
  2. Valid for all OCBC Cards issued in Singapore, Malaysia, Indonesia, Hong Kong and Macau.
  3. Valid from 1 April to 31 December 2026.
  4. Promotions are not applicable for walk-in purchases.
  5. The Unlimited Playtime (Weekdays) promotion is available exclusively via the designated private booking link.
  6. Promotions for all OCBC Cardmembers are valid for online purchases only. Promo codes must be entered at checkout and cannot be applied after payment is completed.
  7. This promotion is exclusive to OCBC MOA Cardmembers and OCBC Cardmembers, as specified per offer. Eligibility under the respective programme will be verified during check-in.
  8. All guests must present valid booking confirmation upon arrival.
  9. Promotions are valid on weekdays only, unless otherwise stated.
  10. Promo codes must be entered at checkout and cannot be applied after payment is completed.
  11. Promotions are non-transferable, non-refundable, and not exchangeable for cash.
  12. Promotions cannot be combined with other discounts, promotions, or vouchers, unless otherwise stated.
  13. Not valid in conjunction with other discounts, membership privileges, promotions, and/or vouchers.
  14. Merchant's terms and conditions apply. Please contact the Merchant directly for full details.
  15. OCBC and the Merchant 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.
  16. 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.
  17. 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.
  18. 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.
See all deals
Your video guide to RAISING A MONEY-SMART CHILD

OCBC in collaboration with Budget Babe and Happy Tot Shelf

Learn how to teach your child essential money smarts through three engaging lessons in this video series created by OCBC in collaboration with Budget Babe and Happy Tot Shelf.

Lesson 1: Can you stay within a budget?

Help your child understand budgeting concepts, learn to differentiate between needs and wants, and set healthy daily spending limits. Together, review transactions and reflect on spending choices through the fun “Plan Your Birthday” challenge.

Join us to empower your child with lifelong financial skills through practical lessons and fun activities!

Lesson 2: Can you find the best deal for your money?

Focus on developing smart spending habits with your child. Learn why children tend to overspend and teach them to shop like savvy savers by spotting deals, valuing quality over brand, and making resourceful decisions.

Join us to empower your child with lifelong financial skills through practical lessons and fun activities!

Lesson 3: Saving for a goal

Emphasise the importance of saving, delayed gratification, and goal-setting with your child. Share empowering stories about savings, break down goals into achievable amounts, and prepare your child for unexpected expenses through the interactive “Save to Win” activity.

Join us to empower your child with lifelong financial skills through practical lessons and fun activities!

BONUS ACTIVITY SHEETS

Make learning about money extra fun for your child with these simple, printable activity sheets.

Plan your birthday challenge

Introduce your child to the concept of budgeting through this hands-on challenge, as they take charge of planning a birthday party with just S$20.

Download now

Introduce your child to the concept of budgeting through this hands-on challenge, as they take charge of planning a birthday party with just S$20.

Download now

Shop like a smart saver

In this fun role-play activity, your child becomes a savvy shopper on a mission to make the most of their budget while learning smart shopping habits.

Download now

In this fun role-play activity, your child becomes a savvy shopper on a mission to make the most of their budget while learning smart shopping habits.

Download now

Save to win

Let your child take on a savings mission in this strategic board game, making choices between spending or saving to reach their goals.

Download now

Let your child take on a savings mission in this strategic board game, making choices between spending or saving to reach their goals.

Download now

Before you apply

Eligibility requirements

Age

Child must be 7 to 15 years old

Nationality

Parent: Singaporean or Permanent Resident residing in Singapore

Child: Singaporean, Permanent Resident or foreigner born in Singapore

Fees for MyOwn Account Debit Card

Annual fee

S$0

Card replacement fee

Waived for the first two replacements made within a 12-month period

Deposit requirements

Initial deposit

S$0

Minimum average daily balance to have fall below fee automatically waived each month

S$0

Account interest rate

0.05% a year

Statement preferences

Monthly statements

Electronic statements only

Letter preferences

Electronic letters only

 

Important notices

Fees and charges

GIRO

Insured Deposits Register

Deposit Insurance Scheme

Fees and charges for debit card

Terms and Conditions

Terms and Conditions governing Deposit Accounts

Terms and Conditions governing Electronic Banking Services

Terms and Conditions governing OCBC Electronic Statements

Terms and Conditions governing Automatic Standing Instruction

Terms and Conditions governing OCBC MyOwn Account

Terms and Conditions governing the OCBC MyOwn Account 24 Oct 2026 Wisma Exclusive Giveaway

Ready to get started?

Kickstart your child’s saving journey with the OCBC MyOwn Account

Apply online

You will need an existing OCBC SGD current or savings account to open an OCBC MyOwn Account on your child’s behalf. Do not have one? You will first be asked to open an OCBC 360 Account in the application. The fall below fee will be waived for the first year and initial deposit is waived for accounts opened via OCBC app.

Don’t want an OCBC 360 Account? You can also open a new Statement Savings Account online before you apply for an OCBC MyOwn Account for your child.

FAQs
Common questions
What services can your child access via the OCBC app?

Your child will be able to do the following:

  • View account details and transactions
  • View account transactions
  • Transfer funds using PayNow
  • Make QR payments via the ‘Scan & Pay’ feature
  • Make cardless cash withdrawals at ATMs using the OCBC app
  • Activate debit card
  • Reset Card PIN
  • Lock/unlock card
  • Log in to the app using biometrics
  • Activate OCBC Money Lock
  • Activate OCBC Kill Switch
  • Access financial literacy content
  • View deals
What services can you access via the OCBC app for your child?

You will be able to do the following:

  • Update the child’s contact details
  • Change the child's app access code
  • Set up digital access for the child
  • Link/delink the child’s mobile number to/from PayNow
  • View the child’s account details and transactions on a dashboard
  • Set up recurring allowances
  • Manage transaction limits for the child’s account and debit card
  • View the child’s account statements
  • Receive notifications on the child’s account activities
What daily transaction limits can you set for your child?

Please refer to the table below for your options. You may manage these transaction limits individually.

PayNow/NETS QR Cash withdrawal using debit card Debit card spending Cardless withdrawal
Deactivate Deactivate Deactivate S$50 (default)
S$10 (default) S$10 (default) S$10 (default)  
S$20 S$20 S$20  
S$30 S$50 S$30  
S$40 S$80 S$40  
S$50 S$100 S$50  
S$80 S$300 S$80  
S$100 S$500 S$100  
S$300 S$1,000 S$300  
S$500 S$500  
S$1,000 S$1,000  
What happens when your child turns 16 – what happens to the accounts/limits/debit card?

When your child turns 16, you will be notified and given the option to grant full control of the OCBC MyOwn Account to your child via your OCBC app. You have the flexibility to decide when you want to do so.

If you choose to release control of the account:

  • You will have a 24-hour cooling-off period to rescind the request via your OCBC app
  • Once 24 hours have passed, you will not be able to reverse this release of control process
  • Your child will then be notified that control has been passed to them, and they can log in to complete the process

After the process is completed and your child takes over the account:

  • You can no longer view or get notified of transactions made on your child’s account or set transaction limits
  • Your child can change transaction limits for the account on their own, but the maximum limits on the account remain the same
  • Your child can make changes to the details of the account (e.g. contact details)
  • Do note that for calls to our contact centre, we can only accept instructions from your child

This option will be available to you until your child turns 18. When your child turns 18, the account will be automatically converted to a FRANK Account, and parental controls will be automatically released for your child.

What can you and your child do if you suspect that the account has been compromised?

You can choose to activate the OCBC Kill Switch via the OCBC app on your child’s behalf. To authorise this request, we will send an SMS OTP to your child’s number in our records.

Once activated, the OCBC Kill Switch will immediately suspend your child’s current and savings accounts (including joint accounts), OCBC app access and debit cards.

Your child can also activate the OCBC Kill Switch on their own via the OCBC app.

As a pre-emptive measure to protect your child’s funds, consider locking them using OCBC Money Lock. Locked funds cannot be transferred out.

What should you do if you lose your OCBC MyOwn Debit Card and/or require a card replacement?

Your child can access the OCBC app > click on OCBC MyOwn Account > Lock card to temporarily suspend further transactions on the card. If the card is found, your child can repeat the steps to unlock the card and continue to make transactions.

You can contact us at 1800 363 3333 or visit any OCBC branch to request for a card replacement. You will receive it via mail within 5 working days.

If you're replacing your child's OCBC MyOwn Debit Card, the new card will feature the same design selected during account opening. Changing the card design is currently unavailable.

Applications are accepted online only.

For customers with eligible accounts


Apply via the OCBC app to open the account instantly.
See the list of eligible accounts  

  • Mighty Savers Account 
  • Young Savers Account 
  • 360 Account
  • Bonus+ Savings Account
  • Monthly Savings Account
  • Passbook Savings Account
  • Statement Savings Account
  • Current Account
  • Global Savings Account
  • FRANK Account
  • OCBC Premier EasiSave Account
  • OCBC Premier Dividend+ Savings Account
  • OCBC Premier Global Savings Account
  • OCBC Premier Statement Savings Account

You will be directed to open a 360 Account before applying for an OCBC MyOwn Account for your child. The fall below fee will be waived for the first year and initial deposit is waived for accounts opened via OCBC app.

Apply now  

Apply online
or

For new customers

You will be directed to open a 360 Account before applying for an OCBC MyOwn Account for your child. The fall below fee will be waived for the first year and initial deposit is waived for accounts opened via OCBC app.

Apply now  

Apply now  

Please apply via OCBC Internet Banking (Login > Open an account > Savings) or visit any OCBC Bank branches.

Apply now  

Apply via the OCBC app to open the account instantly.
See the list of eligible accounts  

  • 360 Account
  • Bonus+ Savings Account
  • Monthly Savings Account
  • Passbook Savings Account
  • Statement Savings Account
  • Current Account
  • Global Savings Account
  • FRANK Account
  • OCBC Premier EasiSave Account
  • OCBC Premier Dividend+ Savings Account
  • OCBC Premier Global Savings Account
  • OCBC Premier Statement Savings Account

Open account now
STEPS TO REFER YOUR FRIENDS

Only on your child’s app, follow the steps below to start referring:

1

Log in to your OCBC app

2

Tap on "Refer a friend"

3

Copy the referral code generated

4

Share it with your friends! Make sure they use your referral code for you to get the bonus S$5 cash reward

Participating outlets

  • AMK Hub
  • Bedok Mall
  • Bukit Panjang Plaza
  • Causeway Point
  • City Square Mall
  • Clementi Mall
  • Coffee House @ Our Tampines Hub
  • Compass One
  • Heartland Mall
  • IMM
  • JEM
  • Junction 8
  • Jurong Point
  • Lot One Shopping Mall
  • Nex<
  • Northpoint City
  • Novena Square
  • Parkway Parade
  • Paya Lebar Quarter
  • Paya Lebar Square
  • Sengkang Grand Mall
  • Sun Plaza
  • Thomson Plaza
  • Tiong Bahru Plaza
  • Toa Payoh Hub
  • United Square
  • Waterway Point
  • West Mall
  • White Sands
  • Woodleigh Mall
  • Yew Tee Point

List of winners

Name Last 4 digits of NRIC
ONG JIE XIANG, CAROL 997E
LEE JIA YI, AVELINE 019C
JOLENE MUI 107H
NG LI PING EILEEN 340A
HUI KIN WAI 850I
WILIYANTO 787Z
NURSYAFA'AH BINTE SUHAIMI SUJAI 437G
POH SIEW HOON 537I
TEI HUI CHING 831C
ONG SOH PUN 335Z

List of winners

Prize Parent name Last 4 digits of NRIC
First prize - 4 Singapore Airlines Economy Class return air tickets to Tokyo, Japan HO WEE PIN 158F
Second prize - iPhone 16 Pro 128GB Black Titanium CHOONG POI LENG 576H
LIM YI LIN PRISCILLA 235C
Third prize - iPad Air 128GB Space Grey IRRASHIDIN BIN AHMAD ZAILAN 164D
YEO YEW ENG 112F
MUHAMMAD FIRDAUS BIN ZAINAL ABIDIN 483I

Stand a chance to fly to Tokyo with your family plus more when your child refers their friends to us!

Rank Prize
Grand prize 4 x Economy Class Tickets to Tokyo
2nd to 3rd prize iPhone 16 Pro
4th to 6th prize iPad Air

If a third replacement is made during that period, a S$30 fee will apply.

Character meet-and-greet*

Session timings at:

  • 1.00pm – 1.30pm
  • 2.00pm – 2.30pm
  • 3.30pm – 4.00pm
  • 4.30pm – 5.00pm
  • 5.30pm – 6.00pm

*Meet-and-greet sessions are on a first-come, first-served basis.

Exclusive offer at selected OCBC branchesExclusive offer at selected OCBC branches

Redeem claw machine tokens when you perform these actions. The more you do, the more perks you can get! T&Cs, card fees and charges apply.

Action Claw Machine Tokens
Sign up for the OCBC MyOwn Account 2
Sign up for any OCBC deposit account or credit card 2
Speak to our OCBC staff for a Financial Needs Analysis (FNA) 1

Eligible merchants

Category Examples of Participating Merchants
Entertainment and Movies Cathay Cineplexes, Golden Village, Shaw Theatres, Timezone
Food and Beverage Astons, Burger King, Genki Sushi, Kopitiam, Koufu, McDonald’s, Saizeriya, Starbucks, Subway, Sushi Express, The Coffee Bean & Tea Leaf
Books and Stationery Kinokuniya, POPULAR Bookstore
Billings and Subscriptions Apple iTunes

Participating merchants

Category Merchants
Movies Cathay Cineplexes, Golden Village, Shaw Theatres
Food and Beverage Astons, Burger King, Genki Sushi, KFC, Kopitiam, Koufu, McDonald’s, Saizeriya, Starbucks, Subway, Sushi Express, The Coffee Bean & Tea Leaf
Books and Stationery POPULAR Bookstore

Participating outlets

  • AMK Hub
  • Bedok Mall
  • Bukit Panjang Plaza
  • Causeway Point
  • City Square Mall
  • Clementi Mall
  • Coffee House @ Our Tampines Hub
  • Compass One
  • Heartland Mall
  • IMM
  • JEM
  • Junction 8
  • Jurong Point
  • Lot One Shopping Mall
  • Nex
  • Northpoint City
  • Novena Square
  • Parkway Parade
  • Paya Lebar Quarter
  • Paya Lebar Square
  • Sengkang Grand Mall
  • Sun Plaza
  • Thomson Plaza
  • Tiong Bahru Plaza
  • Toa Payoh Hub
  • United Square
  • Waterway Point
  • West Mall
  • White Sands
  • Woodleigh Mall
  • Yew Tee Point
Month Month-end balance Month-end balance difference Eligibility for Savings Reward
February 2025 S$290 Not applicable Not applicable
March 2025 S$300 S$10 Yes
April 2025 S$305 -S$5 No
May 2025 S$285 -S$25 No
June 2025 S$297 S$12 Yes
July 2025 S$307 S$10 Yes
August 2025 S$420 S$113 Yes

Terms and Conditions

  1. Valid from now till 17 July 2025.
  2. Payment must be made with an OCBC MyOwn Debit Card at participating outlets.
  3. To earn POPPoints, Cardmembers must:
    1. be accompanied by a parent or guardian who has signed up as a U-POPP member (“Member”),
    2. spend a minimum of S$10 in a single receipt, and
    3. submit the receipts at the respective Customer Service Counters located at KINEX, United Square and Velocity@Novena Square (“Participating Malls”).
  4. Please refer to the websites of the respective Participating Malls for a list of participating outlets where receipts can be submitted to accumulate POPPoints.
  5. For compliance to PDPA, consent must be given for the release of selected personal information for all redemptions. All receipts will be scanned for internal audit purposes.
  6. U-POPP Members must be present in person with a Cardmember, provide a valid mobile number for redemption, and present the physical MyOwn Debit Card and/or transaction details via OCBC app at the Customer Service Counter of the respective malls on the same day of purchase.
  7. Each U-POPP Member may submit up to 10 receipts per day, or accumulate a maximum of 1,000 bonus POPPoints per day — whichever comes first.
  8. Receipts obtained after 9pm can be redeemed on the following day only.
  9. For full terms & conditions, please enquire at respective malls’ Customer Service Counter:
    1. KINEX, Level 2
    2. United Square, Basement 1
    3. Velocity@Novena Square, Level 1
      or visit https://www.upopp.com.sg, www.kinex.com.sg, www.unitedsquare.com.sg, or www.velocitynovena.com.
  10. Not valid in conjunction with other discounts, membership privileges, promotions, and/or vouchers.
  11. Merchant’s terms and conditions apply. Please contact the Merchant directly for full details.
  12. 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.
  13. 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.
  14. 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.
  15. 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 earn double POPPoints

  • Your child must spend a minimum of S$10 in a single receipt with their OCBC MyOwn Debit Card;
  • You must be a U-POPP member and submit the receipt(s) on behalf of your child at the respective Customer Service Counters located at KINEX, United Square and Velocity@Novena Square and
  • Your child (the OCBC MyOwn Debit Cardmember) must be present with their OCBC MyOwn Debit Card along with valid receipt(s)

Hurry, as there are only 2 million bonus POPPoints available on a first-come-first-served basis. Each U-POPP member may submit up to 10 receipts per day or accumulate a maximum of 1,000 bonus POPPoints per day – whichever comes first. T&Cs apply.

How to earn double POPPoints

  • Your child must spend a minimum of S$10 in a single receipt with their OCBC MyOwn Debit Card;
  • You must submit the receipt(s) at the respective Customer Service Counters located at KINEX, United Square and Velocity@Novena Square; and
  • Your child (the OCBC MyOwn Debit Cardmember) must be present with their OCBC MyOwn Debit Card along with valid receipt(s)

Hurry, as there are only 2 million bonus POPPoints available on a first-come-first-served basis. Each U-POPP member may submit up to 10 receipts per day or accumulate a maximum of 1,000 bonus POPPoints per day – whichever comes first. T&Cs apply.

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