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OCBC 360 Account

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Rating: 4.3/5.0 (3 Reviews)
Interest RateUp to 2.38%
Min. Deposit $1,000

OCBC 360 Account Review


Potentially high interest rate

High effective rate of 0.70% p.a. bonus interest for credit salary condition

Decent highest effective interest rate of 0.98% p.a. if you don't insure or invest with OCBC


Bonus interest rates subjected to credit salary, insure/invest and increase balance

Low 0.05% p.a. base interest rate

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Deposit Details 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


Deposit Interest Rates OCBC 360 Account Interest Rates Computation

  1st $25k Next $25k Next $25k
Base Interest 0.05% p.a. 0.05% p.a. 0.05% p.a.
Credit Salary 0.30% p.a. 0.60% p.a. 1.20% p.a.
Increase Balance 0.10% p.a. 0.20% p.a. 0.40% p.a.
Invest 0.30% p.a. 0.60% p.a. 1.20% p.a.
Insure 0.30% p.a. 0.60% p.a. 1.20% p.a.
Effective  Interest 1.05% p.a. 2.05% p.a. 4.05% p.a.


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

Earn 0.30% / 0.60% / 1.20% p.a. bonus interest for first $25,000 / next $25,000 / next $25,000 when you credit a minimum salary of $1,800 every month

Earn 0.10% / 0.20% / 0.40% p.a. bonus interest for first $25,000 / next $25,000 / next $25,000 when you increase account balance by at least $500 as compared to previous month

Earn 0.30% / 0.60% / 1.20% p.a. bonus interest for first $25,000 / next $25,000 / next $25,000 when you insure with OCBC with endowment of at least $4,000 in annual premium

Earn 0.30% / 0.60% / 1.20% p.a. bonus interest for first $25,000 / next $25,000 / next $25,000 when you invest in investment products such as Unit Trust or Structured Deposits of at least $20,0000

The maximum effective interest is 2.38% p.a. after taking into account of the 3 tiers

You will get bonus interest on the first $75,000 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 0.40% p.a. save bonus interest on the first $75,000 if your account balance is $200,000 and above (effectively meaning depositors earn up to 2.78% p.a. on first $75,000 but only 0.05% p.a. on anything above $75,000)


Promotions OCBC 360 Account Promotions

New OCBC Debit Card holders can earn a cash rebate of up to $10 for each of the first 5 transactions with a minimum of $500 total spend between the card approval date and the last day of the following month (Until 31 May 2022)

Open a  new 360 Account and double your bonus interest across all categories for the first 6 months (Until 30 Jun 2022)


Click here to go to OCBC website for more details


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3 Reviews
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4.3/5.0 (3)
4.3/5.0 (3)

OCBC 360 Account Review

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