Overseas Funds Transfer (remittance)

Wire money overseas with S$0 cable and commission fees

Why you will love this
What you need

Why you will love this

No cable and commission fees. Agent fees, if applicable, will still be charged.

Competitive FX rates for 19 currencies, rates are guaranteed during off-market hours (including weekends)

Same-day transfers

What you need

An eligible OCBC Current or Savings account

OCBC Online Banking access

Get started with our step-by-step guide

Transfer online

Make an international money transfer with 19 currencies conveniently via OCBC Online Banking.

Fees & Rates

Enjoy competitive FX rates when you send money overseas via OCBC Online Banking in the following 19 currencies:

Australia Dollar, British Pound, Canadian Dollar, Danish Krone, Euro, Hong Kong Dollar, Indian Rupee, Indonesian Rupiah, Japanese Yen, Malaysian Ringgit^NEW, New Zealand Dollar, Norwegian Krone, Philippine Peso, Singapore Dollar, Sri Lanka Rupee, Swedish Krona, Swiss Franc, Thai Baht and United States Dollar.

From now till 31 December 2025, enjoy no cable and commission fees when you remit online.

Total transfer amount (daily)	Cable	Commission	Commission-in-lieu (For Foreign Currency accounts only, on top of Commission)
Cable and commission fees - waived
For all overseas funds transfer via OCBC Online Banking	Waived	Waived	Waived

Cable and commission fees - waived

For all overseas funds transfer via OCBC Online Banking

Cable

Waived

Commission

Waived

Commission-in-lieu (For Foreign Currency accounts only, on top of Commission)

Waived

Agent fees, if applicable, will be charged.
Please refer to the cut-off timing for same day transfers below.
Transfers submitted on Sunday, public holiday or after currencies cut-off time will be processed the next business day.
Online promotion valid till 31 December 2025 for online overseas funds transfer.

Transferring money to India? Click here

HOW TO SEND MONEY OVERSEAS

How to

via

Please ensure you have the following payee's details:
1. Full name
2. Address
3. Account number / International Bank Account Number
4. SWIFT code
_{How to find SWIFT code:}_{- Ask your payee for his/her bank's SWIFT code}_{- Visit Google.com and search using "<your payee's bank name> SWIFT code"}_{- Visit sources such as theswiftcodes.com or bankswiftcode.org and search using the payee's country and name of the bank.
Please note that the SWIFT code for some branches may differ due to the location of the branch and this will not affect your transfer.}

1

Log in to the OCBC app and tap “Pay & Transfer”

2

Tap “Overseas”

3

Tap “Add new payee”

4

Fill in your payee’s details

5

Tap “Submit”

1

Log in to the OCBC app and tap “Pay & Transfer” > “Overseas”

2

Select the payee > Fill in the details

3

Review and tap “Confirm”

1

Log in to the OCBC app and tap on “Pay & Transfer” > “Overseas”

2

Tap on “View FX rates”

3

Tap on “Recent Transfers” and select the transfer you would like to repeat. Fill in the details and tap on “Confirm” to submit the transfer.

1

Go to the main menu > Payment & transfers

2

Select “to a bank account overseas (including overseas OCBC accounts)” > Select the account to transfer from

3

Select the destination account

4

Select currency > Fill all required information

5

Review all details > Click “Submit” to complete

Please ensure you have the following payee's details:
1. Full name
2. Address
3. Account number / International Bank Account Number
4. SWIFT code_{How to find SWIFT code:}
_{- Ask your payee for his/her bank's SWIFT code}_{- Visit Google.com and search using "<your payee's bank name> SWIFT code"}_{- Visit sources such as theswiftcodes.com or bankswiftcode.org and search using the payee's country and name of the bank.
Please note that the SWIFT code for some branches may differ due to the location of the branch and this will not affect your transfer.}

1

Go to the main menu > Payments & transfer

2

Select “Add new beneficiary”

3

Fill in payee's details according to the availability of SWIFT code

4

Review all details > Click "Next"

5

Beneficiary account has been set up > Click "Transfer now" to send money to this account

SEND MONEY TO MAINLAND CHINA

Send money to Weixin Pay and Alipay wallets at zero transfer fees

You can now make instant and secure transfers to friends and family in Mainland China via their mobile number on Alipay and Weixin Pay – all in just a few taps with the OCBC app.

Find out more

before you proceed

Eligibility requirements

Minimum age

16 years old

Account

An eligible OCBC Current or Savings account

Registered for

OCBC Online Banking

Cut-off times for same-day transfers

Overseas funds transfers submitted before the cut-off time on a business day will be sent out on the same day. Your funds will be deducted from your account by the cut-off time.

If you submit an overseas funds transfer after the cut-off time, your funds will be sent out on the next business day.

Currency code	Cut-off time
IDR	12:00PM
MYR	2:00PM
HKD	3:00PM
CAD, CHF, DKK, EUR, GBP, NOK, SEK, SGD, USD	4:30PM
AUD, JPY, NZD, PHP	9:30AM
INR, LKR, THB	3:30PM (Value next day)

View branch charges

View pricing guide for Personal Banking Products

View pricing guide for Premier Banking Products

View pricing guide for Premier Private Client Products

Terms and conditions

S$0 cable and commission fee promotion valid till 31 December 2025 for online Overseas Funds Transfer.
Agent fee applies and will be variable fees depending upon the remittance amount and currency.
Other terms and conditions apply.

Overseas funds transfer

Send money overseas seamlessly with us

The OCBC app

Available on Apple App Store, Google Play and Huawei App Gallery

Download now

Available on Apple App Store, Google Play and Huawei App Gallery

Download now

Available on Apple App Store, Google Play and Huawei App Gallery

Download now

Available on Apple App Store, Google Play and Huawei App Gallery

Download now

Transfer online

through OCBC Internet Banking.

Frequently asked questions

Common questions

I have submitted my overseas funds transfer, why were my funds not deducted from my account yet?

Your funds will be deducted by the cut-off time on a business day.

Please ensure that you submit your overseas funds transfer before the cut-off time for it to be processed on the same business day. Otherwise, the transaction will be processed on the next business day instead. You may refer to the cut-off times.

Is there a minimum transaction amount?

Yes, depending on the debiting currency. A minimum of SGD 100 (for SGD fund transfers) or USD 100 (for non-SGD fund transfers) is required for each transaction.

How much is the agent fee?

The agent fee shown on the OCBC app or Internet Banking will be indicative. The actual agent fee will be reflected in your transaction history.

Can I track the status of my overseas funds transfer?

Yes, you can check the status easily via OCBC Internet Banking > Customer service > Check internet transaction status > Transaction type: Fund Transfer.

Overseas Funds Transfer (remittance)

Wire money overseas with S$0 cable and commission fees

Make an international money transfer with 19 currencies conveniently via OCBC Online Banking.

How to

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Eligibility requirements

Cut-off times for same-day transfers

View branch charges

Terms and conditions

Send money overseas seamlessly with us

The OCBC app

Common questions

Download OCBC Digital

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