OCBC Roboinvest
(Powered by WeInvest)

Invest effortlessly from just US$100

Why you will love this

34 portfolios across 6 markets for a range of risk appetites

Receive updates on portfolio rebalancing opportunities as market changes

24/7 accessibility to your investments from anywhere with Digital Banking

Who can apply

Anyone above 18 years old who has an OCBC deposit account with Digital Banking access

Not available to US citizens, UK residents, EU residents, and persons residing within the EEA

A smart and convenient way to start your investment journey.

Why choose OCBC RoboInvest?

Start with just US$100

Invest from as low as US$100, without the need to open a securities or custodian account.

34 portfolios to choose from

Select from a wide range of portfolios across 6 markets to cater to your investment preference and risk appetite.

Invest with confidence

When you invest in OCBC RoboInvest, you can rest assured that you are investing with a trusted financial institution recognised for its stability and wealth management expertise.

No lock-in

Make full or partial withdrawals without any charges anytime you choose.

Investment strategies

Top 5 performing portfolios

Gen Z Winners


Annual Return

Read more

US Cloud Computing


Annual Return

Read more

Asia Tech


Annual Return

Read more

Hong Kong Technology


Annual Return

Read more

Hong Kong Consumer


Annual Return

Read more

Performance data last updated on 31 December 2020.

1-year return for portfolios launched for less than one year are based on historical simulations.

34 portfolios to choose from

You can choose from our wide range of portfolios based on your risk appetite or investment preference.

Future World

Through investments in several ETFs, the Future World portfolio provides diversified exposure to emerging trends that are likely to develop into major investment themes in the future.

Precious Metals

The Precious Metals portfolio provides diversified exposure to precious metals namely gold, silver, platinum and palladium. It is expected to have low correlation to traditional asset classes like stocks and bonds and should be part of any well-diversified portfolio.

Impact Investing

The Impact Investing portfolio focuses on various environmental investment themes, offering exposure to companies screened for economic, social and governance (ESG) characteristics.

How to get started

Whether you're a new or experienced investor, setting up and managing your portfolio with OCBC RoboInvest is fast, easy, and convenient. You will need an OCBC deposit account with Digital Banking access. If you do not have one, you can apply instantly for an account with our debit cards.

Before you apply

Eligibility requirements

Minimum age

18 years old and above


US citizens, UK residents or EU residents (including people residing within the EEA) are not eligible

OCBC account holder

Holds any OCBC deposit account with OCBC Digital Banking access to fund the investment

OCBC Digital Banking Access

Have access to OCBC Digital Banking via an OCBC deposit account


Fund your investments with OCBC deposit account only


Service fee

0.88% per year on total value of your investments held with OCBC RoboInvest

Exchange fees and charges

Additional exchange fees and charges applies, which vary depending on the markets and trading channels used to execute the orders.

Terms and conditions

Please note that from 10 April 2021, the Terms and Conditions governing OCBC RoboInvest will be revised as follows:

(a) incorporation of additional provisions on Compliance and Sanctions, and Amendments; and

(b) amendments to clauses relating to Your information, Liability, Indemnity, Termination and Consequence upon Termination.

A summary of the changes can be found here.

View the revised Terms and conditions governing OCBC RoboInvest.

Trademarks usage

Apple, the Apple logo and App Store are trademarks of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. HUAWEI, the Huawei logo and the AppGallery logo are trademarks of Huawei Technologies Co., Ltd.

This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information presented as at 24 August 2020.

Ready to invest?

Apply for OCBC RoboInvest today

Now available on OCBC Mobile Banking

Additional Information
Common questions
Getting started

Why choose OCBC RoboInvest for investments?

OCBC RoboInvest brings you the best elements of a high-end investing service, without the lock in of a high investment amount and excessive management fee typically associated with this service. You will experience:

  • Access to local and global products
  • Automated Portfolio Management Service
  • Bank-grade secure interface
  • Online access to your portfolio anytime

What’s the difference between OCBC RoboInvest’s service and an online broker’s service? 

OCBC RoboInvest offers a holistic investment journey that focuses on not just a trade but on all your portfolios keeping in mind your appetite for risk. We will manage your investment portfolios with automated periodic rebalancing, while you can sit back and track your accounts 24/7 to watch your investment grow.

Why choose to invest with OCBC RoboInvest instead of keeping money in the bank? 

Keeping money in your bank savings account only earns the interest rate on your deposits. If inflation is higher than the interest rate, it means you are losing out. With OCBC RoboInvest, your money will be invested in model portfolios according to your risk tolerance, thus possibly have a higher return in the long term.

What’s the eligibility criteria to use this service?

  • At least 18 years of age
  • Non-US citizen
  • Non-UK resident
  • Non-EU resident or person not residing within the EEA
  • OCBC Digital Banking registered user

Is this a service provided by OCBC? Why is there a “powered by WeInvest” label on the platform?

OCBC RoboInvest is a collaboration between OCBC and a Fintech firm Planar Investments Pte Ltd (WeInvest). This brand new platform is developed and supported by WeInvest, with customised screens and investment flow for OCBC. And we are bringing this investment service exclusively to OCBC customers!

Do I always have to go through OCBC Internet Banking to gain access to OCBC RoboInvest?

Yes. You can access RoboInvest after logging into OCBC internet banking or mobile banking

Who can I contact if I encounter issues with the platform or have queries on my investments?

Please contact the email support ID Support@OCBCRoboInvest.com. Our Fintech partner WeInvest supporting the platform will be able to assist you further. Typically, a response can be expected within the next business day.

What is the difference between OCBC RoboInvest’s service and OCBC Blue Chip Investment Plan (BCIP)?

OCBC’s Blue Chip Investment Plan (“BCIP”) aims to allow users to invest simply and gain exposure to the stock market. BCIP customers can select up to 20 share counters or ETF counters on the Straits Times Index for regular investment from as low as S$100. BCIP adopts the concept of Dollar Cost Averaging and customers can invest a chosen amount into their selected counters comfortably each month without timing the market. OCBC RoboInvest however, aims to provide customers with an easy way to steer their portfolio towards the strategy of their choice by following one preformulated strategies. By doing so, customers can gain exposure to Exchange-Traded Funds (“ETF”) and Equities, in Singapore and overseas markets. Unlike the BCIP, RoboInvest is not a regular savings plan and customers can curate the timing of investing their funds.

RoboInvest accounts

Can I open multiple OCBC RoboInvest account?

For security reasons, we are only allowing 1 account per person. However, you can have multiple portfolios under your account.

I do not live in Singapore, can I open a OCBC RoboInvest account?

Yes, you can as long as you meet the eligibility criteria.


What kind of products am I investing in?

ETF and Equities-based Portfolios

These portfolios are constructed using listed ETFs and Equities representing major asset/sub-asset classes. These instruments chosen are liquid, well-diversified and have low expense ratios as we strive to maximise your returns and keep expenses low.

Can I customize the ETFs or equities in a portfolio?

The combination of ETFs or equities in each model portfolios are determined based on market research and insights. This allows us to provide the most optimal diversification personalised to you. It is therefore not possible for a customer to handpick the ETFs or the allocation.

What is the minimum amount I must invest to get started?

The minimum amount varies in accordance with the investment portfolio you have selected. It starts from as low as United States Dollars (“USD”) 100.

Is there a minimum amount if I want to invest more into my existing portfolio?

This minimum amount to top up varies depending on the investment portfolio that you have selected. It’s typically around 10% of the initial minimum investment amount. The exact amount will be stated when you select your investment portfolio to invest more.

What is OCBC RoboInvest’s portfolio methodology?

ETF and Equities based Portfolios

We screen for suitable Equities and ETFs using various qualitative and quantitative criteria (assets under management, expense ratio, historical performance, liquidity, underlying instruments etc).

The percentage allocation to each ETF is determined using our proprietary optimization algorithm and ETF-based portfolios are rebalanced quarterly or semi-annually as indicated in the portfolio detail.

What is rebalancing?

Rebalancing is the process of adjusting the composition of an Investment portfolio. This involves the buying and selling of assets in an investment portfolio to maintain a desired asset allocation according to the market conditions and your declared risk profile. We will sell more if the stock value rises significantly, or buy more when the stock has declined to take advantage of volatility.

OCBC RoboInvest will periodically (quarterly or half-yearly depending on portfolios) trigger rebalancing. We will only proceed with the rebalancing once you have given your consent within 2 weeks from the date of trigger. You may choose to ignore or skip this rebalance as well.

Funds transfer

How do I transfer money to fund the investment?

After you have selected your investment portfolio and indicated the amount to invest, you can choose the funding account from a dropdown. Upon debit the funds will be transferred to the trading account maintained on SAXO for investment into the selected portfolio.

Why transfer my money to Saxo Capital Markets?

Saxo Capital Markets is our appointed custody and trades execution agent for all the investments through OCBC RoboInvest. Your assets will be held with Saxo Capital Markets, an online trading and investment specialist which is a trusted custodian and a licensed subsidiary of Saxo Bank A/S.

After the monies for the funding of my investment are debited from my OCBC deposit account, how long will it take for the funds to be reflected in my RoboInvest account as cash?

It takes about 1 hour for the amount to be reflected in your RoboInvest account as cash. This will be invested when the markets open during the execution window.

How long does it take for the cash amount in my RoboInvest account to be invested once RoboInvest has received the cash?

Typically, the investment will be executed within 1 business day, with settlement taking place on T+2.

How can I invest more money subsequently after my first funds transfer?

You may proceed to use the “invest-more” function to top up existing portfolio or make a fresh investment. The funding account can be selected from the list of accounts in a dropdown for selection. Upon confirmation, the funds will be debited and transferred to your trading account with SAXO for allocation to your existing investment portfolio(s) or new investment portfolio(s).

Can I invest using my Supplementary Retirement Scheme (SRS) or Central Provident Fund (CPF) accounts?

No, currently you are not able to do so.

What currency can I funds transfer in?

Currently you may only transfer funds in Singapore Dollars (“SGD”). For investments in portfolios with different foreign base currency, the equivalent amount transferred in SGD will be converted according to the foreign exchange rate from Saxo Capital Markets before investing.

When will my funds be invested?

Funds will be credited into your OCBC RoboInvest account on the same day. Once you have performed the allocation of funds from your RoboInvest account cash balance to your portfolios, the execution of trades will be completed within the following 2-3 working days.