From 1 January 2024, we will be revising the Annual Service Fee for the OCBC 90°N Card.

Sunday banking branches will close early on Christmas Eve, 24 December 2023 (Sunday) and New Year’s Eve, 31 December 2023 (Sunday) at 2pm.

Normal operating hours will resume on 26 December 2023 (Tuesday) and 2 January 2024 (Tuesday) respectively for the following branches: Ang Mo Kio Central, Causeway Point, Hougang Mall, Jurong East, Jurong Point, Tampines,Tiong Bahru Plaza, Toa Payoh Central, and Wisma Atria.

Dear Customers, from 31 October 2023, the NETSPay services for both online and mobile app will no longer be available.

For details, view our list of FAQs.

Please be informed that from 1 December 2023, the following Terms and conditions will be revised:

• Clause 22.1 of Terms and conditions governing HDB home loans
• Clause 21.1 of Terms and conditions governing mortgage loans
• Clause 19.1 of Terms and conditions governing Australia property loans
• Clause 19.1 of Terms and conditions governing Japan property loans
• Clause 19.1 of Terms and conditions governing Malaysia property loans
• Clause 19.1 of Terms and conditions governing New Zealand property loans
• Clause 19.1 of Terms and conditions governing UK property loans
• Clause 19.1 of Terms and conditions governing US property loans
• Clause 21.1 of Terms and conditions governing the OCBC Renovation Loan and
• Clause 21.1 of Terms and conditions governing the OCBC Solar Panel Loan

Please refer to the following for the latest terms and conditions: OCBC - Terms & Conditions

From 31 October 2023, the Terms and Conditions Governing Use of Singapore Financial Data Exchange (SGFinDex) will be revised as follows:

• Revision of the following clauses:
  • clause 2.1.3
  • clause 3.1
  • clause 3.1.3
  • clause 3.2
• New clause 3.2.4

View the revised Terms and Conditions Governing Use of Singapore Financial Data Exchange (SGFinDex).

Implementation of cheque fees from 1 November 2023
From 1 November 2023, we will charge S$0.75 for each SGD cheque issued, and US$0.55 for each USD cheque issued. This fee will be waived for account holders aged 60 years old and above till 31 December 2025.

Revision of Cashier’s Order fees from 1 November 2023
From 1 November 2023 we will charge S$5 for each Cashier’s Order issued in name of the account holder. This fee will be waived for one Cashier’s Order payable to account holder per day.

We encourage you to adopt electronic payment methods such as GIRO, FAST and Paynow.

Please also note that we will be amending our pricing guides to reflect the above changes (where applicable).

• Personal Banking Fees and Charges guide
• Premier Banking Fees and Charges guide
• Premier Private Client Fees and Charges guide

Notice of Early Closure of Sunday banking and Deferred banking branches

Sunday banking and Deferred banking branches will close early on 10 October 2023 (Tuesday) at 4.30pm for a company event.

Sunday banking branches: Ang Mo Kio Central, Causeway Point, Hougang Mall, ION Orchard, Jurong East, Jurong Point, Tampines, Tiong Bahru Plaza, Toa Payoh Central, Wisma Atria.

Deferred banking branches: Bedok, Bishan, Choa Chu Kang, Clementi, Compass One, Harbourfront, Holland Village, Marine Parade, Nex, Northpoint, Parkway Parade Premier Banking Centre, Paya Lebar Square, United Square, Waterway Point, White Sands.

Normal operating hours will resume on 11 October 2023 (Wednesday).

With effect from 1 September 2023, there will be an update to our OCBC Personal Banking Fees and Charges guide.

Our Terms and Conditions governing Electronic Banking Services has been updated on 4 August 2023. Changes will be effective on 4 August 2023 EXCEPT for Clause 1.1 to 1.7 which will be effective 5 September 2023. View the revised Terms and Conditions governing Electronic Banking Services.

Please be informed that from 1 December 2023, the following Terms and Conditions will be revised:

• Clause 22.1 of Terms and Conditions governing HDB home loans
• Clause 21.1 of Terms and Conditions governing mortgage loans
• Clause 19.1 of Terms and Conditions governing Australia property loans
• Clause 19.1 of Terms and Conditions governing Japan property loans
• Clause 19.1 of Terms and Conditions governing Malaysia property loans
• Clause 19.1 of Terms and Conditions governing New Zealand property loans
• Clause 19.1 of Terms and Conditions governing UK property loans  
• Clause 19.1 of Terms and Conditions governing US property loans
• Clause 21.1 of Terms and Conditions governing the OCBC Renovation loan
• Clause 21.1 of Terms and conditions governing the OCBC Solar Panel loan

Please refer to the following for the latest Terms and Conditions:

OCBC - Terms & Conditions

Notice of Early Closure of Sunday banking and Deferred banking branches

Sunday banking and Deferred banking branches will close early on 21 August 2023 (Monday) at 4.30pm for a company event.

Sunday banking branches: Ang Mo Kio Central, Causeway Point, Hougang Mall, ION Orchard, Jurong East, Jurong Point, Tampines, Tiong Bahru Plaza, Toa Payoh Central, Wisma Atria.

Deferred banking branches: Bedok, Bishan, Choa Chu Kang, Clementi, Compass One, Harbourfront, Holland Village, Marine Parade, Nex, Northpoint, Parkway Parade Premier Banking Centre, Paya Lebar Square, United Square, Waterway Point, White Sands.

Normal operating hours will resume on 22 August 2023 (Tuesday).

Dear Customers,

We wish to inform you that salaries credited via PayNow GIRO with the description “GIRO - SALARY” in statements, will now qualify for salary bonus interest.

For more information, please visit our 360 Account page.

Dear Customers,

From 1 August 2023, the following charges will apply when you carry out coin-related transactions at our branch teller counters.

Coin Charges

On 1 July 2023, we will increase the amount of cashback you can earn on transactions made using the OCBC 365 Credit Card. Earn up to S$160 in cashback if you spend at least S$1,600 – or continue to earn up to S$80 in cashback if you spend at least S$800. You will also earn 3% in cashback on transactions under three new categories: Pharmacy, Streaming and Electric Vehicle Charging.

For details, view our list of Frequently Asked Questions and the revised Terms and Conditions.

From 8 May 2023, VISA debit cardholders will be able to make NETS contactless transactions for payments under S$100 at selected NETS point-of-sale terminals.

For more information, view our list of Frequently Asked Questions.

From 8 May 2023, the interest rate applied to the outstanding balance for all OCBC credit cards will be 27.78% instead of 26.88% per annum. If the minimum amount is not paid by the due date, a higher interest rate of 30.78% per annum will apply.

From 8 May 2023, the interest rate applied to the outstanding balance for all OCBC credit cards will be revised from 26.88% to 27.78% per annum.

From 1 May 2023, clause 4.6 will be revised. View the revised terms and conditions.

Dear Customers,

Our banking hours will be revised, from 1 April 2023.

Change in branches’ banking hours

We will be closed on Public Holidays.

Thank you.

• 1.3 Travel$ per S$1 spent in SGD (increase from the existing 1.2 Travel$ per S$1 spent in SGD)
• 2.1 Travel$ per S$1 spent in foreign currency (no change from existing)

• 1.3 Travel$ per S$1 spent in SGD
• 2.1 Travel$ per S$1 spent in foreign currency

Dear Customers,

From 3 March 2023, the interest rates for SGD Time Deposit will be revised as follows:

The revised rates will apply to new and renewed placements from 3 March 2023.

The interest rates for other tenure remain unchanged.

Thank you for banking with us.

The Cardmembers Agreement for OCBC Credit Cards will be revised on 1 March 2023

From 1 March 2023, the Cardmembers Agreement for OCBC Credit Cards will include, as Clause 23, the Terms and Conditions governing the PayLite Instalment Payment Plan (PayLite).

View the revised Cardmembers Agreement for OCBC Credit Cards.

Notice of Early Closure of Sunday banking and Deferred banking branches

Sunday banking and Deferred banking branches will close early on 24 February 2023 (Friday) at 4.30pm for a company event.

Sunday banking branches: Ang Mo Kio Central, Causeway Point, Hougang Mall, Ion Orchard, Jurong East, Jurong Point, Tampines, Tiong Bahru Plaza, Toa Payoh Central, and Wisma Atria.

Deferred banking branches: Bedok, Bishan, Choa Chu Kang, Clementi, Compass One, Harbourfront, Holland Village, Marine Parade, Nex, Northpoint, Parkway Parade Premier Banking Centre, Paya Lebar Square, United Square, White Sands and Waterway Point.

Normal operating hours will resume on 25 February 2023 (Saturday).

Notice of Early Closure of Sunday banking branches

Sunday banking branches will close early on Chinese New Year’s Eve, 21 January 2023 (Saturday) at 1.30pm.

Sunday banking branches: Ang Mo Kio Central, Causeway Point, Hougang Mall, Ion Orchard, Jurong East, Jurong Point, Tampines, Tiong Bahru Plaza, Toa Payoh Central, and Wisma Atria.

The interest rate for the OCBC EasiCredit account will be revised from 20.9% to 22.9% p.a. from 1 February 2023 for customers with an annual income of S$30,000 and above. Any promotional rate being applied to the account will remain until it expires. The new rate of 22.9% p.a. will apply from 1 February.

We will be revising the Annual Fee for OCBC Credit Cards on 1 January 2023. Here are the details:

We will, on 03 January 2023, make changes to the Terms and Conditions governing Cash-on-Instalments on OCBC Credit Cards and EasiCredit Accounts.

We will revise the administrative fee for the cancellation of the Cash-on-Instalments facility. Instead of S$100, it will be S$150 or 3% of the outstanding principal amount of unbilled Cash-on-Instalments, whichever is higher. You will incur this fee if you cancel the facility or choose to prepay any amount before payment under it is due. The fee will be charged to and deducted from your credit card/EasiCredit account.

Interest at the prevailing rate will apply to any unpaid instalment amount.
For more information, please visit our Cash-on-Instalments page.

We wish to inform you that OCBC Serangoon Garden Branch (86/88 Serangoon Garden Way, Singapore 555982) will cease operations on 29 December 2022, 4.30pm. From 30 December 2022, it will be merged with OCBC Nex Branch, located at 23 Serangoon Central, #B2-28/29, Nex, Singapore 556083.

OCBC Nex Branch will be open on Mondays to Fridays (11am to 7pm) and Saturdays (11am to 1.30pm). It will be closed on Sundays and public holidays.

Christmas and New Year Closure

All branches will be closed on 25 December (Sunday) for the Christmas public holiday.

 Business will resume on 27 December 2022 (Tuesday).

All branches will be closed on 1 January (Sunday) for the New Year public holiday.

Business will resume on 3 January 2023 (Tuesday).

Thank you for banking with us.

From 1 December 2022, the Terms and Conditions Governing Deposit Accounts will be revised as follows:

• Addition of new clauses 24.6 and 29(J)

View the revised Terms and Conditions Governing Deposit Accounts.

Dear Customers

We wish to inform you that with effect from 1 November 2022, we will be raising the interest rates that we pay on the following deposit account. Please refer to the tables below for more information.

Updates to 360 Account

^*Selected OCBC Credit Cards include OCBC 365 Credit Card, OCBC Titanium Rewards Credit Card, OCBC 90°N Visa Card and OCBC 90°N Mastercard.

Thank you for banking with us.

Our Wisma Atria branch will be closed on 19 November 2022 (Saturday) for a company event

Normal operating hours will resume on 20 November 2022 (Sunday).

Our Wisma Atria branch will be closed for half a day on 25 November 2022 (Friday) for a company event

Normal operating hours will resume at 3pm that day.

We apologise for any inconvenience caused and thank you for your understanding.

We would like to assure all our customers that our banking services at the rest of our branches remain fully operational to serve your needs.

You may wish to visit our nearest branch located at:

- Ion Orchard Branch with Premier Centre (2 Orchard Turn #B2-57, Singapore 238801); or;

- United Square Branch (101 Thomson Road #02-26 to 29 United Square, Singapore 307591)

You may continue to enjoy greater access to banking services with our phone banking and digital services like OCBC Digital and OCBC PayAnyone apps.

Alternatively, you may also wish to login to Personal Internet Banking at OCBC.com.sg, or use our 24-hour ATM machines.

For further assistance, kindly contact our 24-hour OCBC Customer Service hotline at 1800 363 3333.

In light of the recent pandemic, OCBC is taking measures to ensure that the health and safety of our customers and colleagues are at our top priority. 

Toa Payoh Central Branch will be temporarily closed from 21 October 2022 to 23 October 2022 and will resume business on 25 October 2022 (Tuesday).

We apologise for any inconvenience caused and would like to thank you for your cooperation as well as your understanding.

We would like to assure all our customers that our banking services remain fully operational to serve your needs. Most of our branches remain open and you may wish to visit our nearest branch located at:

• United Square Branch (101 Thomson Road, #02-26 to 29 United Square, Singapore 307591)
• Ang Mo Kio Central Branch (53 Ang Mo Kio Avenue 3, #B1-32/33 AMK Hub, Singapore 569933)

You may continue to enjoy greater access to banking services with our phone banking and digital services like OCBC Digital and OCBC PayAnyone apps.

Alternatively, you may also wish to login to Personal Internet Banking at OCBC.com.sg, or use our 24-hour ATM machines.

For further assistance, kindly contact our 24-hour OCBC Customer Service hotline at 1800 363 3333.

Effective 21 November 2022, we will be updating the Terms and Conditions governing the BEST-OCBC Credit Card. There are no changes to the card features and this will not impact cardmembers’ banking arrangements. View the revised terms and conditions.

Dear Customers,

We wish to inform you that with effect from October 2022, we will be making the below changes on following deposit accounts.

Updates to Premier Dividend+ Savings Account

Updates to Bonus+ Savings Account

Thank you for banking with us.

As a global financial hub, Singapore is exposed to money laundering, terrorist financing and proliferation financing (collectively, Financial Crime) risks. The potential social and economic damage brought by these illicit activities to Singapore and the international financial markets is immense and severe. This is because such activities may involve drug dealings, illegal arms dealings, extortion, kidnapping, corruption, tax evasion, unlicensed money lending, terrorism activities and other serious crimes. These will not only lead to an increase in crime, but also bring harm to legitimate businesses.

OCBC Group – i.e. OCBC Bank and its subsidiaries, branches in and outside Singapore – are committed to complying with the sanctions laws and regulations issued by the Singapore Government including the Monetary Authority of Singapore, the United Nations Security Council, the European Union, the United States Treasury Department’s Office of Foreign Assets Control and the United Kingdom’s Office of Financial Sanctions Implementation of HM Treasury as well as the applicable laws and regulations of the jurisdictions in which we operate. OCBC Group does not establish business relationships or transact with sanctioned individuals, entities, sanctioned countries or territories (such as North Korea, Iran, Syria, Cuba, Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia)[1], where such relationships or transactions are non-compliant with the above sanctions laws and regulations, or are against the OCBC Group’s internal AML/CFT and sanctions risk policies.

This means that we will proactively take measures to combat financial crime in order to safeguard the Group as well as our customers’ business reputation, assets and interests. Such measures may include:

• Monitoring and analysing your account activities;
• Contacting you for additional information as and when necessary, where such information is not available from our monitoring and analysis, to ensure compliance with applicable laws, regulations and policies;
• Rejecting or blocking transactions that are not permitted by the applicable laws, regulations and policies; and
• Suspending or imposing any conditions on the access to or operations of your account or services provided to you, or restricting the channels available to access or operate your accounts.

We seek your cooperation and support should you receive such enquiries from us.

[1] This includes the use of OCBC’s electronic banking services from the sanctioned countries or territories.

In light of the recent pandemic, OCBC is taking measures to ensure that the health and safety of our customers and colleagues are at our top priority. 

Holland Village Branch will be temporarily closed from 10 October 2022 to 11 October 2022 and will resume business on 12 October 2022 (Wednesday).

We apologise for any inconvenience caused and would like to thank you for your cooperation as well as your understanding.

We would like to assure all our customers that our banking services remain fully operational to serve your needs. Most of our branches remain open and you may wish to visit our nearest branch located at:

- Sixth Ave Branch with Premier Centre (827 Bukit Timah Road Singapore 279886) and;
- Clementi Branch (3155 Commonwealth Avenue West #04-52 to 55 The Clementi Mall, Singapore 129588)

You may continue to enjoy greater access to banking services with our phone banking and digital services like OCBC Digital and OCBC PayAnyone apps.

Alternatively, you may also wish to login to Personal Internet Banking at OCBC.com.sg, or use our 24-hour ATM machines.

For further assistance, kindly contact our 24-hour OCBC Customer Service hotline at 1800 363 3333.

Dear Customers

From 19 September 2022, the interest rates for SGD Time Deposit will be revised as follows:

Thank you for banking with us.

Dear Customers,

We wish to inform you that with effect from 1 September 2022, we will be raising the interest rates that we pay on the following deposit accounts. Please refer to the tables below for more information.

Updates to 360 Account

Updates to Premier Dividend+ Savings Account

Thank you for banking with us.

Kindly note that we will be revising our operating hours for the following branches:

We apologise for any inconvenience caused and look forward to serving you. Thank you.

Dear customers, due to the increase in customers visiting our branch, the issuance of queue tickets will end 1 hour before closure time, effective 14 July 2022. We apologise for any inconvenience caused and appreciate your kind understanding.

Dear Customers

We wish to notify you that with effect from 1 August 2022, we will be revising the Initial Deposit and Service Fee for the Statement Savings Account (Non-Resident) to the following:

Please be informed that with effect from 1 June 2022, we will be updating the OCBC Premier Banking Fees and Charges Guide to reflect revisions to the Trailer Fee Sharing charges under the Investment Business – Funds section.

From 15 May 2022, customers who perform withdrawals on Malaysia ATMs (except for OCBC Malaysia ATMs) will be subjected to nominal service charge, administrative fees and additional service that may be imposed by the bank and VISA/Mastercard respectively.

Find out more 

Dear Customers
We wish to inform you that with effect from 1 April 2022, we will be revising the interest rates that we pay on the following deposit accounts. Please refer to the tables below for more information.

Bonus+ Savings Account

Premier Dividend+ Savings Account

Mighty Savers^® Account

Child Development Account
Child Development Account Extra

Please visit OCBC website > Personal Banking > Accounts for more information.

Thank you for banking with us.

With effect from 3 March 2022, we will be implementing written policies and procedures in respect of our placement and/or execution of customers’ orders on the best available terms (commonly referred to as “Best Execution”).

For more details, please refer to the “Best Execution Policy” document.

Normal operating hours will resume on 8 March 2022 (Tuesday).

From 1 March 2022, the default trigger for our alerting you to any debit or credit card transaction will be lowered from S$1,000 to S$500.

This means that you will receive an alert in the form of an SMS, push notification or email when any of the following transactions exceed S$500:

• Any debit or credit card purchase made locally or overseas, in stores or online
• Any Cash Advance transaction made via ATM, Online Banking or branch

You can set the trigger yourself via OCBC Internet Banking anytime, including from now.

For details, please read our frequently asked questions.

Please be informed that the PayNow default daily limit is revised from S$5,000 to S$1,000 with effect from 14 January 2022.

If you have not changed your daily limit before, it is now set at S$1,000. However, if you have made prior changes to your daily PayNow limit, you may continue to use up to the daily limit you have set.

You may update your daily limit anytime via OCBC Internet Banking and OCBC Digital app (Mobile Banking). We have added these new daily limits you can change to - S$100, S$500, S$1,000, S$3,000.

Please refer to the revised terms and conditions:
Terms and conditions governing OCBC PayNow Service and OCBC Cross-Border PayNow Service
Terms and conditions governing Electronic Banking Services

Dear Valued Customer, we will – from 3rd February 2022 – take Emma offline temporarily for a tune-up and refresh. She should be back online in the second quarter of the year, energised and ready to serve you better.

Till then, do get in touch with our Enquiry Assistant at our Contact us page if you have any questions or need help.

We remain committed to serving you.

Our branches will be closing early at the respective timings below on 31 January 2022.

2. All branches will be closed on 1 – 2 February 2022 (Tuesday to Wednesday) for the Chinese New Year public holiday.

Business will resume the next day on 3 February 2022 (Thursday) for all branches.

Please be informed that with effect from 3 Jan 2022, we will be revising the interest rates that we pay on the Premier Dividend+ Savings Account. Please refer to the table below for more information.

Premier Dividend+ Savings Account

All our branches will be closing at 3.30pm on 24 December (Friday) & 31 December 2021 (Friday). We are closed on Christmas on 25 December (Saturday) & New Year on 1 January 2022 (Saturday). Normal operating hours will resume on 26 December (Sunday) & 2 January 2022 (Sunday) respectively for Sunday Banking branches.

Effective 22 December 2021, the naming of the card in the Terms and Conditions will be updated to BEST-OCBC Credit Card. There are no changes to the card features and this will not impact cardmembers’ banking arrangements.

Please be informed that with effect from 15 December 2021, the Pricing Guide for Singapore and Overseas Home Loans will be revised as follows:

The revised Pricing Guide for Singapore and Overseas Home Loans will be posted on www.ocbc.com by 15 December 2021.

We will be updating the Fees, Charges and Cardmembers Agreement Governing OCBC Credit Cards with regards to interest on purchases and overlimit fee which will take effect from 19 Nov 2021 as follows:

OCBC Cardmembers Agreement for Credit Cards

• Revision to clause 5.2 (b) of Section 5. Payment
• Addition of clause 5.3 (i) of Section 5. Payment

View the revised OCBC Cardmembers Agreement.

Fees & Charges for OCBC Credit Cards

View the revised Fees and Charges for OCBC Credit Cards.

On 1 November 2021, the annual service fee paid under the OCBC 90°N Card Programme will be revised to S$53.50 for both principal and supplementary cardmembers. 

We will continue to review the features and benefits of the OCBC 90°N Card to cater to your needs.

Please view the revised terms and conditions governing OCBC 90°N Card Programme.

We will be updating the Terms and Conditions Governing OCBC Investment Products and Services from 8 October 2021 as follows:

• Revision to clause 3(b) of Section 1: General Terms and Conditions
• Addition of clause 3(e) of Section 2: Terms and Conditions Governing  Structured Deposits
• Addition of clause 4(e) of Section 3: Terms and Conditions Governing  Structured Products

View the revised terms and conditions governing OCBC Investment Products and Services.

From 1 October 2021, we will be rebranding the OCBC YES! Debit Card to OCBC Debit Card.
We’re giving you more ways to earn rebates on your daily essential spend. This includes any Debit Card spend on newly added merchants such as Shopee, NTUC FairPrice and Transit - SimplyGo.

View the revised Terms and conditions governing the OCBC Debit Card.
Please refer to the Frequently asked questions for more details.

From 16 August 2021, you will receive an SMS notification alert when the following account debit transactions exceed S$50,000 or such threshold as set by you, whichever is lower:

• Cheques drawn on your account
• GIRO deductions
• Outgoing Remittances
• Others (such as other financial transactions effected at branches or through Phone Banking)

Find out more.

From 1 June 2021, the Terms and Conditions Governing NTUC-OCBC Starter Account Programmes will be revised.

The interest rates that we pay on your account, as shown below, will be revised:

View the updated terms and conditions.

We are pleased to inform you that we will be sending selected Premier Private Clients a new OCBC Premier Private Client World Elite™️ Debit Card by the date stated in the letter or SMS that is sent to you. This Card will replace your OCBC Premier World Elite™️ Debit Card, which will be cancelled by the date stated in the letter or SMS.

Frequently asked questions

1. What is the difference between my Premier World Elite™️ Debit Card and the Premier Private Client World Elite™️ Debit Card?

   The Premier Private Client World Elite™️ Debit Card is crafted in a new iconic bronze finish. It offers you the same great functions and benefits as your Premier World Elite™️ Card.

   For a full list of the features and applicable terms and conditions, please visit: www.ocbc.com/ppcdebit.

2. Is there any contactless payment feature available with the Premier Private Client World Elite™️ Debit Card?

   Yes, the debit card comes with MasterCard payWave, which allows you to wave your card to make payment for purchases. The transaction amount will be deducted directly from your account linked to the debit card.

3. Which bank account will the new Premier Private Client World Elite™️ Debit Card be linked to?

   The new Premier Private Client World Elite™️ Debit Card that we will issue you will be linked to the same account as your existing Premier World Elite™️ Debit Card. If you to wish to link more bank accounts to your new Premier Private Client World Elite™️ Debit Card for ATM withdrawals, you may do so via:

   1. Internet Banking & OCBC Digital app
   2. OCBC ATM
4. I have not received the Premier Private Client World Elite™️ Debit Card, what should I do?

   Your new Debit card will be sent to you by the date stated in the letter or SMS.

   Should you not receive the card by then, kindly reach out to your Client Advisor.

5. Can I still use the new debit card to withdraw cash overseas?

   Yes. However, you will need to activate the overseas ATM cash withdrawal feature via OCBC Online Banking, SMS, or mail in forms. For more details, please refer to www.ocbc.com/overseas

   Applicable fees for overseas ATM cash withdrawal charges will apply.

6. What is the PIN for the new debit card?

   If you’re activating your new debit card via the ATM, you will be prompted to enter a new PIN immediately. If you’re activating your new debit card via OCBC Online Banking, a new card PIN will be mailed to you 5-7 days after you have activated your new debit card.

7. What should I do with my old Premier World Elite™️ Debit Card? Can I still use it?

   Your old Premier World Elite™ Debit Card will be terminated by the date stated in the letter or SMS.

   Please destroy your old Premier World Elite™️ Debit Card by cutting it into two. This is to protect you from potential fraudulent activities.

8. What happens if I choose to terminate the new Premier Private Client World Elite™️ Debit Card?

   Should you wish to terminate your Premier Private Client World Elite™️ Debit Card, please note that you will no longer be able to make any ATM withdrawals or purchases on your Premier Private Client World Elite™️ Debit Card, or on your Premier World Elite™️ Debit Card after it is terminated.

9. What are my other options for ATM withdrawal?

   Apart from using your debit card, you can also use OCBC Pay Anyone™️ for Cardless Cash Withdrawals. Simply scan the QR code on the ATM screen with the OCBC Pay Anyone App to withdraw cash. For more information, refer to ocbc.com/payanyone.

10. Where can I get the full list of merchant offers available with the Premier Private Client World Elite™️ Debit Card?

    You can refer to the full listing of merchant offers at www.ocbc.com/ppcdebit.

11. How is my foreign currency transaction processed when I link my Premier Private Client World Elite™️ Debit Card to a Premier Global Savings Account?

    If your Premier Global Savings Account is linked to your Premier Private Client World Elite™️ Debit Card, purchases made in foreign currencies and overseas ATM cash withdrawals will be automatically deducted from your respective foreign currency account with no foreign currency transaction fees. For example, if you make a USD 100 purchase using your Debit Card linked to your Premier Global Savings Account, the USD 100 transaction will be deducted directly from the USD funds in your Premier Global Savings Account. There will be no foreign currency transaction fees nor administrative fees. Similarly, you will be able to withdraw foreign currency funds from an overseas ATM directly from the respective foreign currencies within your Premier Global Savings Account. Overseas ATM cash withdrawal fees may apply.

12. How do I open a new Premier Global Savings Account?

    You would be able to open a new Premier Global Savings Account via any of these channels:

    1. Apply via OCBC Online Banking

    2. Apply via OCBC Digital app

       Select ‘Main Menu’ > ‘Apply’ > ‘Accounts’ > ‘Premier Global Savings Account’
    3. At any OCBC Banking Branch
13. I already have a Premier Global Savings Account. How do I link my Debit Card to this account?

    You would be able to link your Debit Card to your Premier Global Savings Account via OCBC Digital app

    Select ‘Main Menu’ > ‘Card Services’ > ‘ATM transactions – Link/Delink Accounts’

14. How many foreign currencies can I transact with my Premier Global Savings Account-linked Debit Card?

    There are 7 available foreign currencies: Australia Dollar (AUD), Canadian Dollar (CAD), Euro (EUR), British Pound (GBP), Hong Kong Dollar (HKD), New Zealand Dollar (NZD), and US Dollar (USD). Chinese Yuan Offshore (CNH) is not available for purchase or cash withdrawal transactions. All Chinese Yuan Offshore transactions will be charged to your SGD account linked to the Debit Card.

15. What should I do if I have recurring bill payment arrangements (e.g. iTunes, telcos, etc) setup on my Premier World Elite™ Debit Card previously?

    To avoid any service disruption or any late payment fees or interest of any kind, do update any recurring payment arrangements with billing organisations with your new Premier Private Client World Elite™️ Debit Card details by the date stated in the letter or SMS.

From 19 March 2021, the terms and conditions will be revised to include terms relating to OCBC ATM Service — ATM Face Verification Access Means. View the revised Terms and Conditions governing Electronic Banking Services.

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.

From 10 April 2021, the following terms and conditions will be revised to include terms relating to Compliance and Sanctions:

View the revised Terms and conditions governing CPF Investment Accounts

View the revised Terms and conditions governing Supplemenatary Retirement Scheme (SRS Accounts)

Please be informed that with effect from 1 April 2021, the Terms and conditions governing Banking Facilities will be revised to incorporate additional clauses in relation to Sanctions¹, Sanction Countries² and related terms.

A summary of the changes can be found here.

Please refer to the revised Terms and conditions governing Banking Facilities.

¹"Sanctions" means any trade, economic or financial sanctions, embargoes or restrictive measures or related laws or regulations enacted, imposed, administered or enforced from time to time by sanction authorities.

²"Sanctioned Country" means, at any time, a country or territory which is the subject or target of any comprehensive or country-wide or territory-wide Sanctions, including but not limited to North Korea, Iran, Syria, Cuba and Crimea region of the Ukraine.

Following a holistic review of our debit card offerings, we will no longer offer the OCBC FRANK Mastercard Debit Card and OCBC Platinum Mastercard Debit Card. While you can no longer use these cards on 1 March 2021, you will be issued an OCBC YES! Debit Card as a replacement and this new card will be linked to the same bank account as your OCBC FRANK Mastercard Debit Card or OCBC Platinum Mastercard Debit Card.

The OCBC YES! Debit Card comes with better benefits including a 1% rebate at over 10 merchants such as Grab, FairPrice Online and McDonald’s. In addition, the OCBC YES! Debit Card is enabled with Visa payWave so you can make payments faster, cleaner and safer simply with a wave of your card. Read the full list of card benefits and terms and conditions.

To avoid any service disruption or any late payment fees or interest of any kind, do update any recurring payment arrangements with billing organisations with your new OCBC YES! Debit Card details.

Frequently asked questions

1. What should I do if I have an OCBC FRANK Mastercard Debit Card or OCBC Platinum Mastercard Debit Card?
   You may continue using your existing card until 28 February 2021 (date inclusive). Thereafter, please destroy it by cutting it into two. This is to protect you from potential fraudulent activities. You will be issued an OCBC YES! Debit Card as a replacement and this new card will be linked to the same bank account as your OCBC FRANK Mastercard Debit Card or OCBC Platinum Mastercard Debit Card.
   To avoid any service disruption or any late payment fees or interest of any kind, do update any recurring payment arrangements with billing organisations with your new OCBC YES! Debit Card details when you receive it.
2. What is the difference between the OCBC FRANK Mastercard Debit Card or OCBC Platinum Mastercard Debit Card and the OCBC YES! Debit Card?
   The OCBC YES! Debit Card comes with better benefits including a 1% rebate at over 10 merchants such as Grab, FairPrice Online and McDonald’s. In addition, the OCBC YES! Debit Card is enabled with Visa payWave so you can make payments faster, cleaner and safer simply with a wave of your card. Read the full list of card benefits and terms and conditions.
3. How do I know which bank account my OCBC YES! Debit Card is linked to?
   You may log on to Internet Banking or the OCBC Digital app to find out which bank account your OCBC YES! Debit Card is linked to. Your new OCBC YES! Debit Card will be linked to the same bank account as your OCBC FRANK Mastercard Debit Card or OCBC Platinum Mastercard Debit Card.
   If you to wish to link more bank accounts to your new OCBC YES! Debit Card for ATM withdrawals, you may do so via:
   • Internet Banking & OCBC Digital Banking: Card Services > Link/ Delink
   • OCBC ATM
4. Is there any contactless payment feature available with the OCBC YES! Debit Card?
   Yes, the OCBC YES! Debit Card comes with Visa payWave, which allows you to wave your card to make payment for purchases. The transaction amount will be deducted directly from your account linked to the card.
5. Is the OCBC YES! Debit Card secure?
   The OCBC YES! Debit Card comes with an embedded Europay MasterCard Visa (EMV) chip. This is a security standard for cards globally that will protect you better against potential fraudulent activities.
   We have also further enhanced the card security by:
   • Allowing cardmembers to set their preferred daily Visa spending limit.
   • Providing transaction alerts for transactions that are above S$1,000 (default) or the cardmember’s preferred trigger amount.
   • Protecting cardmembers against card theft or loss by limiting their liability for lost/stolen cards, provided that they notify us immediately and assist us in the recovery and investigation of the unauthorized charges in accordance with the OCBC Debit Cardmembers Agreement.
6. I notice you still offer the OCBC FRANK Visa Debit Card. Can I apply for that?
   Yes, you may apply for another debit card to better suit your needs. Find out more about the OCBC FRANK Visa Debit card.
7. Can I still use the OCBC YES! Debit Card to withdraw cash overseas?
   Yes. However you will need to activate the overseas ATM cash withdrawal feature via OCBC Online Banking, SMS, or mail in forms. Applicable fees for Overseas ATM Cash Withdrawal charges will apply. View more details.
8. I have previously set a higher/ lower withdrawal limit for my OCBC FRANK Mastercard Debit Card or OCBC Platinum Mastercard Debit Card. Will the new OCBC YES! Debit card have the same settings?
   Yes, your OCBC YES! Debit Card will have the same setting as your OCBC FRANK Mastercard Debit Card or OCBC Platinum Mastercard Debit Card.
9. What are my other options for ATM withdrawal?
   Apart from using your debit card, you can also use OCBC Pay Anyone™ for Cardless Cash Withdrawals. Simply scan the QR code on the ATM screen with the OCBC Pay Anyone App to withdraw cash. Find out more.

Our branches will be closing early at the respective timings below on 11 February 2021.

2. All branches will be closed on 12 – 14 February (Friday to Sunday) for the Chinese New Year public holiday.

Business will resume the next day on 15 February 2021 (Monday) for all branches.

From 18 January till 6 February 2021, book a slot online and exchange new notes at OCBC Branches.

Find out more at ocbc.com/cnynewnotes.

Dear Valued Customer,

We wish to inform you that, on 1 February 2021, we will be revising the interest rates for the following deposit accounts.

Please refer to the tables below for more information.

Updates to 360 Account

Updates to Bonus+ Savings, Premier Dividend+ Savings, Premier EasiSave, Premier Statement Savings, Private EasiSave (Personal and Corporate), Private Statement Savings (Personal and Corporate), Premier Trade SGD Cash, EasiSave Gold Accounts

Bonus+ Savings Account

Premier Dividend+ Savings Account

Premier EasiSave, Premier Statement Savings, Private EasiSave (Personal and Corporate), Private Statement Savings (Personal and Corporate), Premier Trade SGD Cash Accounts

EasiSave Gold Account

From 1 January 2021, you will get a 1% rebate on overseas spending when your payment in a foreign currency is deducted from an SGD denominated account. Also from 1 January 2021, we will discontinue the 1% rebate at duty-free stores.

These changes are part of the revised terms and conditions for our Premier World Elite™ Debit Card rebates programme.

All our branches will be closing at 3.30pm on 24 December (Thursday) & 31 December 2020 (Thursday). We are closed on Christmas on 25 Dec 2020 & New Year on 1 Jan 2021. Normal operating hours will resume on 26 December (Saturday) and 2 January 2021 (Saturday) respectively.

The scheduled rate increases on home loans / term loans will be deferred to 18 April 2021. This applies to loan accounts with scheduled interest rate increases from 1 June 2020 until further notice.

From 1 December 2020, the Terms and Conditions Governing NTUC-OCBC Starter Account Programmes will be revised.

The interest rates that we pay on your account will be revised.

View the updated terms and conditions and please refer to the tables below for more information.

With Robinsons ending its operations in Singapore, the OCBC Robinsons Credit Card will be cancelled on 15 April 2021.

From 6 November 2020, you will no longer earn any rebates for shopping at Robinsons and Marks & Spencer. However, you will still earn Robinsons$ for all purchases made using your OCBC Robinsons Credit Card. Robinsons$ can be used at all Marks & Spencer and Robinsons Singapore stores.

A letter with more information will be mailed to you soon.

For any questions, you can view our frequently asked questions.

Dear Customers

From 2 November 2020, the interest rates for SGD Time Deposit will be revised as follows:

The revised rates will apply to new and renewed placements from 2 November 2020.

The interest rates for tenure of other lengths remain unchanged.

Dear Customers

From 10 October 2020, the interest rates for SGD Time Deposit will be revised as follows:

The revised rates will apply to new and renewed placements from 10 October 2020.

The interest rates for tenure of other lengths remain unchanged.

Please visit ocbc.com/notices for more information.

Thank you for banking with us.

From 6 November 2020, the OCBC Debit Cardmembers Agreement will be revised. All foreign currency transactions made with your OCBC Debit Card will be subject to a foreign exchange fee of 3.25% of the foreign transaction amount (comprising a currency conversion charge (1%) imposed by the respective card associations, and a bank administrative fee (2.25%)) unless:

• your card is the default card linked to your Global Savings Account;
• you have allowed card transactions in foreign currencies supported by your Global Savings Account to be debited from the corresponding foreign currency account; and
• there is sufficient foreign currency balance in the corresponding Global Savings Account.

Where you meet the conditions above, the card transaction amount (other than transactions in Chinese Offshore Renminbi (CNH)) will be debited from your corresponding Global Savings Account, and no currency conversion charge nor bank administrative fee will be charged.

• View the revised OCBC Debit Cardmembers Agreement
• View the full details on Global Savings Account

Dear Customers

We wish to notify you that with effect from 1 November 2020, we will be revising the Excess Fees (incidental overdraft charge for accounts without limits) applicable to the Premier Global Savings Account. Please refer to the table below for the revised fees.

Effective 18 September 2020, the Terms and Conditions governing OCBC Credit Card Balance Transfer will be revised with the addition of a new clause:

• Upon cancellation or termination of all your OCBC Credit Card(s), your Credit Card Balance Transfer Account(s) will remain open so long as there is an outstanding balance on your Balance Transfer Account(s). View the updated terms and conditions.
• This change allows for customers to continue paying off the outstanding amount on their Balance Transfer Account(s) at the relevant prescribed rates, instead of having the full outstanding amount immediately due.

Effective 1 October 2020, the Terms and conditions governing OCBC Great Eastern Cashflo Credit Card will be revised as follows:

• There will be a 1% processing fee imposed on new or renewed Great Eastern premiums that are split into 12 months instalments; and
• Great Eastern insurance premiums will no longer be awarded cash rebates

Please visit www.ocbc.com/GECashflo for the full terms and conditions and commonly asked questions.

From 1 September 2020, section 12.4 will be revised. View the revised terms and conditions.

From 3 August 2020, the Terms and conditions governing OCBC Cognitive Agent (the “Enquiry Assistant”) will be revised. View the updated Terms and conditions.

Our EZ-Link Top and Tap service will be cancelled from 21 August 2020. Read our FAQs to find out how you can continue to top up your card. We are sorry for the inconvenience.

From 1 July 2020, all requests for urgent delivery of Credit and/or Debit Card via courier services will be subject to a courier fee of S$12.84 per Card (inclusive of prevailing GST).

From 15 June 2020, the Terms and conditions governing OCBC Investment Services will be revised. View the updated Terms and conditions.

With effect from 6 June 2020, the interest rates for SGD Time Deposit (TD) will be revised as follows:

The revised rates will apply to new and renewed placements from 6 June 2020.

The interest rates for tenure of other lengths remain unchanged.

The scheduled rate increases on home loans / term loans will be deferred to 18 January 2021. This applies to loan accounts with scheduled interest rate increases from 1 June 2020 until further notice. Bank-managed rates refer to Mortgage Board Rates and Fixed Deposit Mortgage Rates.

Dear Customers

We wish to notify you that with effect from 1 June 2020, we will be revising the interest rates that we pay on our deposit accounts. Please refer to the below tables for the revised interest rates.

Basic Banking, Moi, MultiSave, OCBC Savers, OCBC SmartSenior, OCBC WealthSavers, Passbook Savings, Passbook Savings (Debit Card), Passbook Trust, Savings (PAR), School Savings, Seniorate, SmartParent, SmartSavings, Special Savings (CPF), Statement Savings, Statement Savings (Debit Card), Statement Savings - Trust, Student EasiStart, Young Savers Accounts

EasiSave and MoneyMax Accounts

Easisave Gold Account

Premier Easisave, Premier Statement Savings, Private Easisave (personal and corporate), Private Statement Savings (personal and corporate) Accounts

Premier Trade SGD Cash Account

Mighty Savers^® Account and Monthly Savings Account

Bonus Savers Account

CPF Investment Account

We wish to notify you that with effect from 2 May 2020, we will be revising the interest rates that we pay for our 360, Bonus+ Savings, Mighty Savers^®, Monthly Savings, FRANK, Bonus Savers, Child Development, Global Savings, Premier Dividend+ Savings, Premier Easisave, Premier Statement Savings, Private Easisave, Private Statement Savings, Premier Global Savings and Private Global Savings Accounts. Please refer to the below tables for the revised interest rates.

Updates to 360 Account

1. Here are the changes for 360 Account’s bonus interest rates and requirements:

The following illustration shows how the 360 Account will work from 2 May 2020: