OCBC 360 Account

OCBC 360 Account Interest Rates

Minimum initial deposit of $1,000

Minimum average daily balance of $3,000 ($2 fall below fee is waived for first year)

Comes with Singapore's first Online Banking tool, Money In$ights to help manage your budget, track your savings and categorise your expenditure

Make interbank transfers instantly with FAST - an industry wide service which allows for instant fund transfers between banks

360 Account comes with a YES! Debit Card

OCBC 360 Account Interest Rates Computation

	1st $75k	Next $25k
Base Interest	0.05% p.a.	0.05% p.a.
Credit Salary	1.60% p.a.	3.20% p.a.
Increase Balance	0.60% p.a.	1.20% p.a.
Spend	0.50% p.a.	0.50% p.a.
Invest	1.20% p.a.	2.40% p.a.
Insure	1.20% p.a.	2.40% p.a.
Effective  Interest	5.15% p.a.	6.30% p.a.

Earn base interest of 0.05% p.a. for your entire account balance

Earn 1.60% / 3.20% p.a. bonus interest for first $75,000 / next $25,000 when you credit a minimum salary of $1,800 every month (effective interest of 2.00% p.a. with $100,000 deposit)

Earn 0.60% / 1.20% p.a. bonus interest for first $75,000 / next $25,000 when you increase account balance by at least $500 as compared to previous month (effective interest of 0.75% p.a. with $100,000 deposit)

Earn 0.50% p.a. bonus interest for first $75,000 / next $25,000 when you charge at least $500 to your OCBC 365 Credit Card or OCBC 90°N Credit Card or OCBC 90°N Visa Card or OCBC Rewards Card or OCBC Nxt Card each month (effective interest of 0.50% p.a. with $100,000 deposit)

Earn 1.20% / 2.40% p.a. bonus interest for first $75,000 / next $25,000 when you insure with OCBC with endowment of at least $4,000 in annual premium (effective interest of 1.50% p.a. with $100,000 deposit)

Earn 1.20% / 2.40% p.a. bonus interest for first $75,000 / next $25,000 when you invest in investment products such as Unit Trust or Structured Deposits of at least $20,0000 (effective interest of 1.50% p.a. with $100,000 deposit)

The maximum effective interest is 6.60% p.a. after taking into account of the 2 tiers

You will get bonus interest on the first $100,000 of your account balance. On the months you do less, you will get less bonus interest

You will receive this bonus interest by the 7th business day (exclude Saturday, Sunday and Public Holiday) of the following month

Depositors can also earn an extra 2.20% p.a. grow bonus interest on the first $100,000 if your account balance is $200,000 and above (effectively meaning depositors earn up to 8.50% p.a. on first $100,000 but only 0.05% p.a. on anything above $100,000)

OCBC 360 Account Promotions

New OCBC customers can enjoy a year’s worth of Disney+ Premium when they sign up for a 360 Account and credit a salary of least $1,800 by the next month of account opening (Until 31 Jul 2025)

Click here to go to OCBC website for more details