Help And Support

General - General

Frequently asked questions
  • Why did I receive a new ATM card?

    To ensure your banking experience with us is not disrupted, a new ATM card will be sent to you up to 1 month before your current ATM card expires. 

    Below is how the new ATM card looks like.

    OCBC ATM contactless card

    The NETS contactless symbol will be indicated on your ATM card.  Image result for nets contactless symbol

  • What is the validity period for my new ATM card?

    Your new ATM card comes with 10-year validity period.

  • What is a contactless ATM card?

    Besides the usual ATM services, the contactless ATM card also allows you to tap and pay for:

    1. NETS purchase below $100 without having to key in your PIN
    2. MRT and public bus rides (must maintain a minimum of $20 balance in your account)

  • Tell me more about contactless payment

    How do I know if a merchant accepts contactless payment?

    You may look out for the NETS contactless logo on merchant’s point-of-sale (POS) terminals.

    How do I use the contactless ATM card for payment?

    You may tap the card at NETS terminals to pay for your purchases that are less that S$100 without the use of ATM PIN.

    MRT and public bus rides

    How do I use the contactless ATM card for MRT and public bus rides?

    The contactless ATM card works exactly like your current travel card. You just need to tap the card at the card readers of MRT gantries or buses’ boarding and alighting points.

    Do I need to maintain a minimum balance in my bank account in order to take MRT and public bus rides?

    You need to maintain a minimum of $20 in your bank account in order to use your contactless ATM card for MRT and public bus rides.

    Why is my contactless ATM card blocked for MRT and public bus rides?

    Your contactless ATM card could be blocked due to insufficient funds e.g. below $20 or the account linked to your card is closed at the point of transit. Please visit the transit office if you wish to uplift the card block status within the same day.

    Can I view the transfer summary of the MRT and public bus rides in OCBC Internet/ Mobile Banking?

    Your MRT and public bus transactions will be processed, accumulated and charged to your contactless ATM card when the amount reaches $15 or 5 calendar days, whichever comes first. The accumulated amount will be reflected in the transaction details of Internet/ Mobile Banking and paper/ e-statements.

    To view detailed journey and fare history, you will need to register your contactless ATM card at TransitLink SimplyGo portal or the TransitLink SimplyGo mobile app. For other queries, please call the TransitLink hotline at 1800 2255 663.

  • Why do I have to activate my new ATM card?

    For added security, we require our customers to activate any card that they receive from us. For your easy reference, please refer to the card mailer to see how you can activate your new ATM card, or refer to question 4.

  • How do I activate my new ATM card?

    There are a few ways to activate your new ATM card instantly:

    • Via OCBC Online Banking: Login with your OCBC Online Banking access code and PIN > Go to 'Customer service' > 'Activate ATM card' > follow on-screen instructions
    • Via Mobile Banking app: Login to Mobile Banking > Tap on the menu bar on the top left of the screen > Tap on "Card Services" > Select "Activate ATM Card" > Follow the mobile banking instructions
    • Via ATM: Bring both your old and new ATM card > Insert your old card > Enter your PIN > Select ‘Card activation’ > follow on-screen instructions

    Note: Joint account holders may only activate their personal ATM card(s)

  • What do I do with my old ATM card?

    Your old ATM card will be cancelled  after you activate your new ATM card or once it reaches its stated expiry date, whichever comes earlier. Please shred old card into pieces and dispose it.

  • Will the new ATM card retain all the existing features/settings?

    Yes. Your new ATM card will retain all the existing features/settings.

  • Can I use the new ATM card to withdraw cash overseas?

    Yes. You can activate this service instantly via OCBC Online Banking (Internet or Mobile), SMS Banking, and Service Kiosks (at select branches). Please visit the Overseas ATM cash withdrawal FAQs for instructions (under Activation/ deactivation of cards for overseas ATM withdrawal). If you have already activated this service, there will be no interruption to you for the already activated duration of your old card.

  • What happens to my current PIN?

    If your new ATM card has the same card number as the old card:

    • You may continue to use your current PIN

    If your new ATM card has a different card number from the old card:

    • You may activate your new card at the ATM and select a new PIN for the card; or
    • A new PIN for your new ATM card will be mailed to you within 5 to 7 working days after you activate your card via Online Banking.

  • I have multiple accounts linked to my ATM card. What will happen to my accounts?

    For your convenience, all accounts linked on your current ATM card have been carried over to your new ATM card. You can check which accounts are linked at any OCBC ATM. If you need to add or remove any of these linked accounts, please do so via the following channels:

    • Via Online Banking: Login to Online Banking > Go to 'Customer Service' > 'Manage accounts for ATM use' > follow on-screen instructions
    • Via ATM: Insert your ATM card > Enter your PIN > Select ‘More Services’ > ‘Change account to linked card’ > follow on-screen instructions

  • How do I get notified for transactions done on my ATM card?

    We will send you an SMS notification alert when a transaction that exceeds $1000 (default amount if you did not change the amount) is deducted from your account. This alert serves as a fraud prevention measure. If you did not authorise the transaction, please contact us immediately.

  • How do I change the SMS notification settings or default amount?

    You can set the notification settings and the transaction amount limit via the following channels:

    (i) OCBC Online Banking at

    • On the top menu, select Customer service tab -> “Manage e-Alerts” -> “ATM transactions”
    • Select “Set Threshold” under local ATM cash withdrawal
    • Locate ATM card and select from the dropdown menu for the desired amount and click save
    • Enter the OTP and the new limit will be saved
    • A confirmation SMS will be sent to your mobile

    (ii) Call our customer hotline at 1800 363 3333; or

    (iii) Visit our OCBC branches.