Premier accredited investors

    Become an Accredited Investor today

    Why you will love this

    Get access to a broader range of investment solutions tailored for you

    Trade bespoke structured notes and bonds without the usual S$200,000 minimum per trade

    Manage your wealth and monitor all your investments easily with the OCBC Wealth Account

    Who can apply

    OCBC Premier Banking customers aged 21 years and above

    Qualify as an Accredited Investor

    Have us contact you

    Explore a wider range of investment opportunities and tailored wealth solutions designed to meet your financial goals.

    BENEFITS AS AN ACCREDITED INVESTOR

    By becoming an Accredited Investor, you will gain access to sophisticated solutions beyond standard retail offerings for greater portfolio diversification and flexibility.

    Unlock more investment opportunities

    As an Accredited Investor, you will get a broader range of investment solutions that are tailored for you. These solutions are not available if you remain as a retail investor.

    As an Accredited Investor, you will get a broader range of investment solutions that are tailored for you. These solutions are not available if you remain as a retail investor.

    Lower entry threshold for investments

    You can trade bespoke structured notes and bonds without the usual S$200,000 per‑trade minimum, giving you greater flexibility to manage opportunities across market conditions.

    You can trade bespoke structured notes and bonds without the usual S$200,000 per‑trade minimum, giving you greater flexibility to manage opportunities across market conditions.

    Your assets, all in one place

    Simplify the way you manage your wealth with the OCBC Wealth Account. View and monitor all your investments in a single account.

    Simplify the way you manage your wealth with the OCBC Wealth Account. View and monitor all your investments in a single account.

    FAQS
    Common questions
    More questions and answers
    What does it mean to be an Accredited Investor (AI)?

    Below are some benefits and consequences of being an Accredited Investor (AI) client:

    • AIs typically enjoy access to a broader selection of investment solutions that are tailored for them.
    • AIs are presumed to have to be better informed, and better able to access resources to protect their own interests. As such, they are subject to a lower level of regulatory safeguards.
    • Investors are encouraged to seek advice from a professional adviser if they are unsure about any implications of being treated as an AI.

    For details on the relevant regulatory safeguards which we will be exempted from when serving you as an AI, please refer to Schedule 1 and 2 under OCBC Premier Banking and OCBC Premier Private Client Terms and Conditions (with effect from 1 May 2026).

    What does it mean to be a non-AI?

    As a non-AI, your access to the range of investment products and services may be more limited as compared to an AI client.

    However, you will continue to receive the benefits that you enjoy with your Premier Banking status.

    Can I have different status for each of my accounts with OCBC?

    AI status is determined on a per financial institution basis. If you opt in for AI status, this status will be applied across all OCBC account(s) held in your name.

    This is with the exception of joint accounts where the non-AI joint account holder/s have not opted in to be treated as an AI. OCBC will be required to treat you as a non-AI for your joint account(s) if (i) none of the joint account holders is an individual AI account holder or (ii) the non-AI account holder has not opted in to be treated as AI for transactions conducted through that joint account. For example, for a joint account held jointly by Person A and Person B, whereby Person A has opted into AI, but Person B has not opted in to be treated as an AI for transactions conducted through that joint account, both Person A and Person B will not be treated as AI for transactions conducted through that joint account.

    If I am not AI eligible, can I still opt in to be treated as an AI?

    For non-AIs who maintain joint accounts with at least one account holder who is an AI, the non-AI account holder/s may opt in to be treated as an AI, but only for transactions conducted through that joint account.

    OCBC will be required to treat you as a non-AI for your joint account(s) if either (i) none of the joint account holders is an individual AI account holder or (ii) the non-AI account holder(s) have not opted in to be treated as AI for transactions conducted through that joint account.

    How can I opt in as AI?

    For existing OCBC Premier Banking customers, please contact your Relationship Manager or call us at 1800 773 6437 (local) / (65) 6530 5930 (overseas). Your Relationship Manager details are available via the OCBC app: Log in > More > Premier Banking services > See RM details.

    For non-premier customers, please click here to leave your contact details. We will contact you on the next steps within 3 working days.

    More questions and answers
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    General disclaimer

    Any opinions or views of third parties expressed in this document are those of the third parties identified, and do not represent views of Oversea-Chinese Banking Corporation Limited (“OCBC Bank”, “us”, “we” or “our”).

    This information is intended for general circulation and / or discussion purposes only. It does not consider the specific investment objectives, financial situation or needs of any particular person.

    Before you make an investment, please seek advice from your Relationship Manager regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs. If you choose not to do so, you should consider if the investment product is suitable for you, and conduct your own assessments and due diligence on the investment product.

    We are not making an offer, solicit to buy or sell or subscribe for any security or financial instrument, enter into any transaction or participate in any trading or investment strategy with you through this document. Nothing in this document shall be deemed as an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into any transaction or to participate in any particular trading or investment strategy.

    No representation or warranty whatsoever in respect of any information provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice.

    OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

    Investments are subject to investment risks, including the possible loss of the principal amount invested. The information provided herein may contain projections or other forward-looking statements regarding future events or future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures, predictions or projections are not necessarily indicative of future or likely performance.

    Any reference to a company, financial product or asset class is used for illustrative purposes and does not represent our recommendation in any way.

    The information in and contents of this document may not be reproduced or disseminated in whole or in part without the Bank’s written consent.

    OCBC Bank, its related companies, and their respective directors and/or employees (collectively “Related Persons”) may, or might have in the future, interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.

    You must read the Offer Document/Indicative Term Sheet/Product Highlight Sheet before deciding whether or not to purchase the investment product, copies of which may be obtained from your relationship manager.

    Any hyperlink to any third party article, or other website or webpage (including any websites or webpages owned, operated and maintained by third parties) is for informational purposes only and for your convenience only and is not an endorsement or verification of any such article, website or webpage by OCBC Bank and should only be accessed at your own risk. OCBC Bank does not review the contents of any such articles, website or webpage, and shall not be liable to any person for the same.

    There are links or hyperlinks which link you to websites of other third parties (the “Third Parties”). OCBC Bank hereby disclaims liability for any information, materials, products or services posted or offered on the website of the Third Parties.

    Graphs, charts, formulae and other devices

    Investors should note that there are necessarily limitations and difficulties in using any graph, chart, formula or other device to determine whether or not, or if so, when to, make an investment.

    Collective Investment Schemes

    1. A copy of the prospectus of each fund is available and may be obtained from the fund manager or any of its approved distributors. Potential investors should read the prospectus for details on the relevant fund before deciding whether to subscribe for, or purchase units in the fund.
    2. The value of the units in the funds and the income accruing to the units, if any, may fall or rise. Please refer to the prospectus of the relevant fund for the name of the fund manager and the investment objectives of the fund.
    3. Investment involves risks. Past performance figures do not reflect future performance.
    4. Any reference to a company, financial product or asset class is used for illustrative purposes and does not represent our recommendation in any way.

    For funds that are listed on an approved exchange, investors cannot redeem their units of those funds with the manager, or may only redeem units with the manager under certain specified conditions. The listing of the units of those funds on any approved exchange does not guarantee a liquid market for the units.

    The indicative distribution rate may not be achieved and is not an indication, forecast, or projection of the future performance of the Fund

    Accredited Investor Eligibility Requirements

    1. whose income in the preceding 12 months is not less than SGD 300,000 (or its equivalent in foreign currency);
    2. whose net personal assets1 exceed in value SGD 2 million (or its equivalent in foreign currency); or
    3. whose financial assets (net of any related liabilities) exceed in value SGD 1 million (or its equivalent in foreign currency), where “financial asset” means —
      1. a deposit as defined in section 4B of the Banking Act 1970;
      2. an investment product as defined in section 2(1) of the Financial Advisers Act 2001; or
      3. any other asset as may be prescribed by regulations made under section 341 of the Securities and Futures Act 2001

    Accredited Investors (AIs) are assumed to be better informed, and better able to access resources to protect their own interests, and therefore require less regulatory protection. Investors who agree to be treated as AIs therefore forgo the benefit of certain regulatory safeguards. Where OCBC Bank deals with you as an accredited investor, we would be exempt from complying with certain requirements under the Financial Advisers Act 2001 and certain regulations, notices and guidelines issued thereunder, as well as certain requirements under the Securities and Futures Act 2001 and certain regulations, notices and guidelines issued thereunder. You should consult a professional adviser if you do not understand any consequence of being treated as an AI.

    Learn more about the effect of being treated as an Accredited Investor which can be found at the bottom of the page > Terms and Conditions > OCBC Premier Banking and OCBC Premier Private Client Terms and Conditions > ANNEX B – REGULATORY DISCLOSURE APPLICABLE TO ACCREDITED INVESTOR.

    1In determining the value of an individual’s net personal assets, the value of the individual’s primary residence:

    1. is to be calculated by deducting any outstanding amounts in respect of any credit facility that is secured by the residence from the estimated fair market value of the residence; and
    2. is taken to be the lower of the following:
      1. the value calculated under paragraph (a); and
      2. SGD 1 million.