Your Activity

1. What is “Your activity” on the Account Summary dashboard?

   • You can view all your latest transactions across all your Current, Savings and card accounts at one glance in “Your activity”. This includes your last 7 transactions from the past 7 days (including today).
   • Tap on “See more” to view all transactions from the past 7 days. You may also tap on a transaction to view more details, as well as links to actions such as viewing overall spending activity on Money In$ights or to Dispute this Transaction (applicable for credit cards).
   • Please note that only posted transactions will appear in “Your activity”, as well as in account transaction history (see point 4 below). There may be a lead time between when the transaction is performed and shown on the dashboard.

2. How do I view my transaction history for individual accounts from the Account Summary dashboard?

   You can view details and transaction history (past 6 months) of individual accounts through either of these:

   • Tap on You have / You owe > Select a Current/Savings account or card
   • Tap on “See more” beside “Your activity” > Tap on the filter button beside “View all transactions” > Select a Current/Savings account or card

3. How can I view more details for a transaction?

   Tapping on the individual transactions, will launch a pop-up with details, such as merchant and transaction date, and links to “Money Insights” and “Dispute this Transaction” (applicable for credit cards).

4. Why are transaction details shown partially in my account transaction history, whereas I can view all transaction details in “Your activity” on the Account Summary dashboard? (for 1-factor authentication customers)

   Your transaction details are shown fully in “Your activity” on the Account Summary dashboard to provide you with quick access to your most recent transactions. We are working towards rolling this out for the account transaction history interface.

Insights

1. Why am I not getting these personalised insights that others are seeing? Is it exclusive to some customers only?

   These personalised insights are not exclusive, customers may receive them when certain criteria are met.

2. What is SRS contribution insight about? Does it include details such as balance to contribute?

   The insight is a reminder that you have contributed to your SRS last year, but have yet to do so this year. Therefore, the insight serves as a reminder to you.

3. I have already acted upon the personalised insight, why do I still see it?

   Your personalised insights will only be refreshed by the first week of each month.

4. I want to stop receiving these personalised insights, can I turn them off?

   Currently there is no available function to turn off the insights, but this option will be made available in the future.

5. For the Food and Drink report, are food delivery services such as GrabFood included?

   Yes, the transactions listed within the Food and Drink report will include such merchants.

FRANK

1. I have a FRANK product, why can’t I see the FRANK skin?

   The FRANK skin is currently available to our Personal Banking customers between the age of 16 to 29 years old, holding an eligible FRANK product, i.e. FRANK account, FRANK debit or credit card. This excludes Premier and PPC customers.

2. Will I still see the FRANK skin after I close my FRANK account?

   The FRANK skin will be made available as long as you have an eligible FRANK product linked to your Access Code, which includes FRANK credit or debit card.

3. I wish to revert to the original OCBC Digital app without the FRANK skin, how do I do it?

   • Tap on the top left menu
   • Tap on "Profile & Settings" > Tap on “Online Banking settings” > Tap on the toggle button beside “FRANK theme”

4. Why do some screens on the OCBC Digital app look slightly different from the rest?

   We are progressively updating the app with the redesigned interface and new look, starting with the Welcome screen, Notification inbox, Account Summary dashboard, All transactions page, Main menu, Current and Savings account, and card details. Other sections will be updated with the new designs over time.

5. Can I customise the buttons on the quick access bar on Welcome screen and Account Summary dashboard?

   No, these buttons are not customisable. The buttons are selected by the bank to give customers access to commonly-performed and important transactions and services on the app.

6. I do not like the new version of the app. How do I switch to the previous version?

   Once you update to the latest version, you cannot revert to previous versions of the app. However, we are happy to take your feedback and improve the app further.

7. Must I upgrade to the latest version in order to continue using the OCBC Digital app? Can I continue with the current version?

   You can continue using the current version on your mobile device with no disruption to your experience. However, we may require you to update to the latest version in the future for your security – you will be informed via a pop-up on the app then.

How to apply for OCBC Digital Banking

• Set up your Access Code and PIN and get started

How to register for OCBC Mobile Push Notifications

• Push Notification Registration

OCBC OneToken Activation

• Card PIN
• Token Key
• Hardware Token

How to transfer funds

• By mobile number (PayNow)
• By NRIC/FIN number (PayNow)
• By UEN (PayNow)
• By VPN (PayNow)
• By account number
• How to increase funds transfer limit

How to make payment to merchants

• Via PayNow QR
• Via NETS QR
• Via Malaysia DuitNow QR
• Via Thailand PromptPay QR
• Via Merchant app

How to Pay Bills

• How to Make A Bill Payment

• How to Pay Another Bank's Credit Card Bills

• How to Pay Your Existing Credit Card Bills

• How to Set Up GIRO Services

• How to View or Terminate GIRO Services

How to make payments with OCBC Pay Anyone™ app

• Pay a Friend

• Split a Bill

• Pay a Merchant

• Withdraw Money with a QR Code

Documents

• How to View Documents

• How to Manage Documents

• How to Change Documents Password

Cheque Services

• How to check status

• How to Stop Transaction

• How to Request for a Cheque Book

Card Services

• How to Manage Contactless ATM card

• How to Link/Delink ATM card

• How to Change Withdrawal and Spending Limit

• How to Report lost Card

• How to make a Credit Card Dispute Declaration

• How to Manage Overseas card and Usage

How to register for PayNow

• By OCBC Digital app
• By OCBC Online Banking
• By SMS

How to make Overseas Funds Transfer:

• Send money to an existing payee
• Add an overseas payee
• View or repeat last 5 recent transfers

1. Is this a phishing website?

   No, please note that this is the new look and feel for OCBC Online Banking. To ensure you are accessing the correct website, please always type in www.ocbc.com/login into your browser’s address bar. The OCBC Internet Banking pages are secure and information transmitted from your computer to our systems are encrypted which is indicated by the "closed lock" icon on the address bar.

2. Is the OCBC Internet Banking safe?

   We have put in place necessary security practices and measures to safeguard against risks such as online theft of credentials, virus attacks, hacking, unauthorised access and fraudulent transactions. However, to ensure your online security and account information are not compromised, we recommend that you follow the OCBC Internet Banking security guidelines.

3. I am unable to login to the OCBC Internet Banking. What should I do?

   Please follow the steps here 

4. What are the recommended browsers and screen resolution to access the new OCBC Internet Banking?

   The site is best viewed with screen resolution of 1024px by 768px with the following browsers.

   • Microsoft Edge
   • Firefox latest 10 versions
   • Safari version 9 or later
   • Chrome latest 10 versions
   • MAC OS version 10.11 and above

   As of 15 June 2022, Microsoft is ending support for Internet Explorer and retiring the browser. Please use the latest version of one of the recommended browsers above for a smooth and secure experience on the OCBC website and OCBC Internet Banking.

Check out our step-by-step guide to apply for OCBC Digital Banking with your phone or other devices

Via OCBC Digital Banking

1. Go to ocbc.com/ApplyNow
2. Fill in the details and submit the online form
3. You will get instant access to OCBC Digital Banking.

By mail

Download or collect and complete the internet banking application form from our branches.

Mail it to:
Oversea-Chinese Banking Corporation Ltd
Account Services
Bras Basah Post Office
Locked Bag Service No. 8
Singapore 911886

At any of our branches

1. Is Simplified Chinese language available on OCBC app and OCBC Internet Banking?

   Yes, it is available on the OCBC app and OCBC Internet Banking.

2. How do I select my language preference?

   OCBC app:
   Tap on the "More" icon in the bottom navigation bar > Select on "Profile & app settings" > Tap on "Select language"
   
   OCBC Internet Banking:
   You may click on the language bar located at the top menu and select your preferred language.

3. Will I be able to type Chinese characters into form fields on the OCBC app?

   No, all forms fields will only accept input in English as the language enhancement is not applicable to our back-end systems.

4. Will language selection made in OCBC Internet Banking be reflected in OCBC app and vice-versa?

   Yes it will be. Your language settings will be recorded and synced across the OCBC app and OCBC Internet Banking.

5. Will I be able to see content in Chinese language across all services and features in the OCBC app?

   No, we are progressively translating the app. Most services, including viewing of account information, invest, application of products, e-statements, cheque services, settings, secured mailbox are available in Chinese language in this phase (April 2020).

Refer to these steps to update via OCBC Digital Banking.

OCBC Digital Banking is free of charge. However, standard transactional fees for some banking services may apply.

View fees and charges guide here.

To submit a card waiver request, please use any of the following options:

• Via the OCBC app: Tap on "More" icon in the bottom navigation bar > Tap on "Card Services" > Request fee waiver > Select the respective card that requires a fee waiver request
• Via OCBC Internet Banking: At the top menu, select Customer Service > Card services > Request credit card fee waiver.

Your waiver request is subject to approval. You will be notified of the outcome via SMS in a few minutes.

You can change the mailing address of the following accounts that are tagged to your Online Banking access code.

For current and savings accounts and OCBC credit cards, we will change the address immediately. The following accounts and products will take 7 business days for changes to take effect:

1. Loans
2. Unit trust
3. CPF - SRS
4. Foreign exchange
5. Nominees
6. Bills
7. Treasury products
8. Safe deposit box
9. iOCBC
10. OAC / Great Eastern

To apply for OCBC Internet Banking, you should be an existing principal card holder of an OCBC credit card, or have at least one of the following OCBC accounts:

1. Savings Account
2. Current Account
3. Foreign Currency Call Account
4. Foreign Currency Checking Account
5. CPF Investment Account
6. Supplementary Retirement Scheme (SRS) Account

1. What is Money In$ights?

   Money In$ights is a new online feature that allows you to track and manage your cashflow over time. It automatically categorises your spending and displays your spending history by either category or top spend.

   You can also set budgets and have alerts sent to you when you are close to exceeding them. For more information, you can visit www.ocbc.com/moneyinsights.

2. Is Money In$ights free?

   Yes, Money In$ights is free for all OCBC customers.

3. Is Money In$ights available on the OCBC app?

   Yes, this feature is available on our iPhone and Android app. It is also accessible through web browsers on your mobile devices.

4. How do I access Money In$ights?

   Money In$ights can be accessed through the OCBC app and Internet Banking.

   Via the OCBC app: Log in to the OCBC app > Scroll down and tap the Money In$ights banner below your account(s).

   Via OCBC Internet Banking: Log in to OCBC Internet Banking > Your Accounts > Money In$ights.

5. I see a chart on the Money In$ights page. What information does it provide?

   The ‘Money Flow’ chart allows you to see where the funds in your account(s) flow over time. You will see a detailed breakdown – by category – of your spending when you scroll down. This means that, at a glance, you can see if your spending has increased or if you are on track towards your savings goals.

6. Which accounts are included in Money In$ights?

   Money In$ights includes transactions and balances for all your Current, Savings, Credit cards and EasiCredit accounts.

7. How does the auto-categorisation work?

   We will record the transactions you do and assign them to certain categories to the best of our effort. If we are unable to categorise the transactions automatically, you can also categorise them for yourself. We have also taken into account more merchants and improved our review process, thereby enhancing the accuracy of the auto-categorisation.

8. Can I add more categories by myself?

   We have 20 different categories, including the newly added Cash Withdrawals category, available for you to tag your spending to and we believe that should cover most types of spending that you normally incur.

9. What is the 'Set Your Budget' feature about?

   'Set Your Budget' enables you to be in control of your monthly spend. When you set a budget on a monthly basis or in a category, we will keep track of your spending for you.

   You can monitor your monthly total spending or category budgets using email or SMS alerts.

10. What happens if I spend more than my budget? Is there a penalty?

    No worries! This is just a tool to help you monitor your money so there is no penalty. The excess amount spent will be reflected in red in the Money Flow chart or Category chart.

11. Is the SMS alert for alerting me when I overspend free of charge?

    Yes, rest assured that it is free!

12. Can I set a budget ahead for upcoming months?

    Once you have set a budget, it will be saved and you do not have to set it again every month.

13. I am a supplementary cardholder. Why can't I view the balances of my card?

    You cannot view the balances on the supplementary card as it is tied to the primary cardholder but you can view your spending incurred on your own supplementary card.

14. I am a joint account holder. Can I use Money In$ights?

    Yes, you can. Transactions within the joint account will be reflected in Money In$ights as well.

15. Is the demo the same as what I see on my own Money In$ights?

    The features that we offer will be the same. You will also be able to see your real data instead of the simulated data in the demo.

16. Do you have an iPhone or iPad app version of this demo?

    The demo is only available for viewing on desktops or PCs.

1. What is Savings Goal?

Savings Goal is a new online feature that help you set aside money every month. It automatically deposits money from your selected funding account (current or savings account) to a designated account every month.

2. Is Savings Goal available on the OCBC app?

Yes, this feature is available on iPhone and Android app. It is also accessible through web browser on your smart phones.

3. How do I view my savings goals?

Tap the ‘Accounts’ tab on your home screen, followed by ‘View savings goals’ under the Savings Goal banner.

4. Will I be able to access or withdraw the money that is deposited into the designated Savings Goal account?

No, you will not be able to withdraw or access the money that is contributed into the Savings Goal. However, you will be able to unlock and release the money set aside in Savings Goal to regain access to the money or for ATM withdrawal.

5. When money is deducted to my Savings Goal, will it show the deduction in my Current/Savings account?

Yes, you can refer to available balance amount after the deduction has been made from your Current/Savings account to deposit into your Savings Goal.

6. Are there alerts or notifications for Savings Goal?

Yes, there are 2 alerts available; a reminder before the recurring deposit takes place and when you fall short of your Savings Goal.

7. How long can I pause my recurring contribution towards Savings Goal?

You may pause the recurring deposit for as long as you want.

8. Will I still be entitled to the interest rate for my Current/Savings account If I were to create 1 or multiple Savings Goal?

Yes, the interest rate will remain the same to your account type.

1. Why was this email sent to me?

   We took this opportunity to share some insights with you on how your finances were doing in 2020. This is a one-time exercise, and we welcome your feedback. We are working towards making it a permanent fixture in the long run.

2. Why did you reveal my finances on email? Is it safe?

   Please be assured that this is only sent to the email address you registered with the bank. Further, the figures shown are approximate and no personally identifiable information is shared.

3. How are these numbers derived?

   The approximate figures in the email are extracted for the period of 01 January 2020 to 31 December 2020 and are rounded to hundreds or thousands, where applicable. Change in overall card spends and account balances are calculated for years 2019 and 2020.

4. Which accounts are taken into consideration?

   Figures are derived from transactions and balances on your current and savings account(s), credit card(s) and debit card(s), as applicable. Joint account(s) are included if you are the main account holder. Wealth product holdings (except for OCBC RoboInvest) are also included in the calculation of your OCBC Balances.

5. How are figures on spends and categories derived?

   Spending includes transactions made on your OCBC Bank debit and credit card(s), including transactions made on supplementary card(s) linked under your primary card, if any. Insights are derived by categorising spends under recognisable merchant codes.

6. How are fund transfers derived?

   These are 3rd party FAST transactions or PayNow transactions you made via OCBC Digital Banking (either via your mobile phone or your computer), or any other transfers performed via the OCBC Pay Anyone App.

7. Where can I find more details?

   You may find all details of your accounts in your account statements (sent to you via email or mail, and accessible on OCBC Digital (either via your Desktop or the Mobile Banking app). You may also view more insights on your money flow and spending on OCBC Money In$ights, which is available on OCBC Digital Banking. e-Statements can also be downloaded to view the balances and transactions for your deposit, credit card and/or loan accounts.

8. Will this be sent to me every year from now on?

   We are working towards making it a permanent fixture in the long run, although not necessarily in this format. Currently, we are evaluating customers’ interest and reception.

9. What is considered a contactless transaction?

   Contactless transactions are those performed via PayWave or Mobile Contactless modes like Apple Pay, Fitbit Pay, Google Pay, Samsung Pay and so forth.

10. How did you calculate how much I saved from not travelling?

    This is calculated via Merchant Category Codes (MCCs) and transactions performed overseas in 2019 vs 2020. The MCCs selected were those consisting Travel Agencies, Hotels, Airlines and Cruise Lines.

11. What constitutes a bill payment?

    Bills paid through OCBC Digital Banking (either via your phone or laptop) in 2020.