Wealth Solutions

Deposits

Preserve your wealth with us and enjoy preferential rates

We recognise that you have special saving needs. Whatever your savings goals, we will help you achieve them through our range of Premier deposit products.

Premier EasiSave Account

Save and enjoy interest rates of up to 0.25% with the flexibility of cash withdrawals on this SGD chequing account.

Premier Dividend+ Savings Account

This SGD deposit account pays a base interest of 0.05% p.a. and you can earn up to 0.85% p.a. if you do not withdraw during the month. The minimum initial deposit to open the account is S$100,000 in fresh funds.

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Premier Global Account

Enjoy flexibility to save in nine major currencies and earn up to 1.50% p.a. on this multi-currency account.

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Time Deposit Account

Enjoy the following promotional interest rates when you open a time deposit account with your preferred currency.

Currency Tenure Interest Rate (p.a.)
Singapore Dollar
12 Months
1.00%
Australian Dollar
3 Months
1.45%
12 Months
1.70%
New Zealand Dollar
3 Months
1.90%
12 Months
2.10%
U.S. Dollar
3 Months
0.65%
12 Months
0.80%

The placement amount must be in fresh funds only (fresh funds refer to funds not transferred or withdrawn from existing OCBC Bank deposit accounts and re-deposited or funds in the form of OCBC Bank cheque/cashier's order/demand drafts).

To qualify for the above mentioned SGD dollar promotion, a minimum placement amount of S$50,000 is required; for the foreign currency promotion, a minimum placement amount of 5,000 in respective currency is required. Maximum placement amount is capped at S$999,999 for both SGD and foreign currency placements.

All promotional interest rates and tenors are determined by OCBC Bank in its sole and absolute discretion from time to time without prior notice.

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Insurance

Leave a legacy for your loved ones with our estate planning solutions

If preserving your wealth and leaving a legacy are some of your top priorities, consider our estate planning solutions for peace of mind. We have plans that are specially designed to meet your legacy planning needs.

Our legacy planning solutions can help you:

  • Protect your loved ones’ future without compromising your lifestyle
  • Distribute your wealth equally among your children
  • Protect your estate against market volatility
  • Protect your business against the unexpected loss of your keyman

PremierLife Generation

A single premium1, whole life participating insurance plan that provides monthly income during the life assured's lifetime, starting from the 5th policy year7. PremierLife Generation gives you the flexibility to supplement your retirement lifestyle while creating legacy that goes beyond the next generation.

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PremierTerm Plus/ PremierTerm Plus (TPD)

These are non-participating regular premium term plans that provides coverage of S$1 million and above. PremierTerm Plus covers death only. PremierTerm Plus (TPD) covers death, total and permanent disability and terminal illness. You can customise your policy term to range from 5 years to a maximum coverage of up to age 85 age next birthday.

PremierLife Legacy

A single premium1, participating whole life insurance plan with reversionary and terminal bonuses2 and provides a high level of insurance protection on death3, terminal illness (TI), total and permanent disability (TPD) with additional benefit for accidental death4.

Universal Life

A non-participating flexible-premium universal life plan that provides a minimum guaranteed interest rate, competitive premiums and the potential for long-term cash value accumulation5. The plan also offers possible alternative sources of funds when needed6.

PremierLife Heritage

A US dollar denominated, single premium, universal life insurance plan that provides insurance coverage upon demise. PremierLife Heritage is designed to meet your legacy planning needs, allowing you to enjoy peace of mind knowing your loved ones' future is protected.

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Investments

Ways to effectively meet your investment goals

If you are prepared to take additional risks to seek higher yields on your investments, we provide you with a comprehensive array of investment options.

Unit Trusts

Whatever your desired portfolio mix or exposure, we have the right unit trust fund to meet your goals.

Enjoy up to 6% p.a.* of potential regular payouts when you invest in low volatility and low correlation funds that provide stability through a diversified portfolio.

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Dual Currency Returns

This is a currency-linked investment which allows you to capitalise on on-going movements in currency markets for higher returns. It is ideal if you are willing to take a risk on exchange rates between two currencies and receive your principal plus interest in either of the two currencies at the end of the investment.

Cash Trading Account

Trade with an OCBC Securities Trading Account and get a global advantage. You can capture opportunities with speed, security and control with the world markets at your fingertips.

Equity-linked Convertible Investments

These are short-term equity-linked investments that give you the opportunity to buy shares of a selected company at a discounted price.

It pays potentially higher interest yields, but carries the risk of share price market movements. You will also enjoy flexibility in customising your investment by selecting your preferred share type, number of shares and strike price (conversion rate).

Reverse Equity-linked Convertible Investments

If you are interested in short-term investments, reverse equity-linked convertible investments are equity-linked investments that utilise your existing shares for potentially higher returns, but carry the risk of exposure to share price market movements.

Customise your investments by selecting your number of shares and strike price (conversion rate).

*Payouts will differ from fund to fund and will depend on currency share class. They are not guaranteed and may be changed at the fund managerís discretion without prior notice.

Important Notice

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Home Loan

Make the most of Premier Banking's home financing solutions

We offer customised services for important investments, such as buying a house. Whether you are purchasing a new property or refinancing an existing loan, you can count on us to address your home financing needs.

Holistic solutions

  • Overdraft on your property
    To secure a revolving line of credit against your private residential or commercial property to meet your cashflow needs
  • Term loan facility
    To convert the appreciating value of your property into accessible credit
  • Land loan
    To purchase land as an investment or for development
  • Construction loan
    To finance the construction of your dream home
  • Overseas property financing
    To finance your property of choice in London and Australia

As a Premier Banking customer, you enjoy preferential rates and terms on all these facilities.

Personalised service

Our Relationship Managers respond attentively and clearly to your requests. They offer professional advice that takes into account your current stage in life and cashflow needs.

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Portfolio Financing

Use our portfolio financing solutions to enhance your investment returns

We offer you the option to multiply your investment power by borrowing against your collateral value1 and provide you with greater flexibility to borrow in foreign currency denominated loans.

Multiple Benefits

  • Offer loans in a wide range of currencies, including United States Dollar (USD), European Dollar (EUR), Japanese Yen (JPY), New Zealand Dollar (NZD) and more
  • Increase your investment potential by tapping on the value of your investment portfolio as your collateral
  • Provide liquidity without having to sell your existing portfolio
  • Acceptance of a wide variety of collaterals, including Deposits, Singapore Stocks, Unit Trusts and more
  • Attractive interest rates

Personalized service

Our Relationship Managers respond attentively and clearly to your requests. They offer professional advice to provide you with the most holistic solution. Contact our Relationship Managers to find out more details.

1Collateral value refers to the value of pledged asset(s)

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Eligibility

You can become a Premier Banking customer with deposits and/or investments of

S$200,000

or more with us.


Terms and Conditions Governing Premier Banking (Revised)

Effective 1 June 2015


How to apply

Call 1800 Premier
(1800 773 6437)


Contact us online or visit any of our Premier Centres

Calling from overseas

(65) 6530 5930

Share the Premier experience

Introduce your family and friends to OCBC Premier Banking and be rewarded

More about Premier Banking's client referral programme


 


With effect from 1 November 2015, there will be a revision to the service charges for Outward Remittance for Premier Banking customers.

The Outward Remittance charges will be revised as follows:

Type of Outward Remittance Current Charges Revised Fees
Telegraphic Transfer Commission and fee waived for Telegraphic Transfer to OCBC first party accounts overseas Commission and fee waived for Telegraphic Transfer to any accounts with OCBC Group1
Telegraphic Transfers/ Overseas Fund Transfer via Online Banking Commission Waived
(Cable Charge $20 and Agent Fee apply)
Commission and Cable Charge Waived
(Agent Fee apply)

1Commission and Fee waiver will apply for Outward Telegraphic Transfer to accounts with OCBC China, OCBC Malaysia, OCBC NISP Indonesia, OCBC Wing Hang, Bank of Singapore, Great Eastern, Lion Global Investors and OCBC Securities.

Click here for Pricing Guide