Money Lobang

OCBC 360 Account

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Rating: 4.3/5.0 (3 Reviews)
Interest RateUp to 2.15%
Min. Deposit $1,000
Review on OCBC 360 Account

Potentially high interest rate

High effective rate of 0.90% p.a. bonus interest for credit salary condition

Decent effective rate of 0.30% p.a. bonus interest for increasing balance condirion


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 Deposit Details

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 Interest Computation

  Deposits <$35k Deposits $35k to $70k
Base Interest 0.05% p.a. 0.05% p.a.
Credit Salary 0.60% p.a. 1.20% p.a.
Insure or Invest 0.60% p.a. 1.20% p.a.
Increase Balance 0.20% p.a. 0.40% p.a.
Total Effective  Interest Rate 1.45% p.a. 2.85% p.a.


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

Earn up to 0.60% p.a. bonus interest for first $35,000 and 1.20% p.a. bonus interest for next $35,000 when you credit a minimum salary of $2,000 every month

Earn up to 0.60% p.a. bonus interest for first $35,000 and 1.20% p.a. bonus interest for next $35,000 when you insure with OCBC with endowment of at least $4,000 in annual premium or invest in investment products such as Unit Trust or Structured Deposits of at least $20,0000

Earn 0.20% p.a. bonus interest for first $35,000 and 0.40% p.a. bonus interest for next $35,000 when you increase account balance by at least $500 as compared to previous month

The maximum effective interest is 2.15% p.a. after taking into account of the 2 tiers

You will get bonus interest on the first $70,000 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 0.80% p.a. save bonus interest on the first $70,000 if your account balance is $200,000 and above (effectively meaning depositors earn up to 2.95% p.a. on first $70,000 but only 0.05% p.a. on anything above $70,000)


Promotions Promotions

Open your first OCBC 360 Account and credit salary of at least $1,800 to get $100 FairPrice e-Voucher (Until 31 Oct 2020)


Click here to go to OCBC website for more details


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3 Reviews
(Not all reviews shown on page. Search or Sort reviews to find review)
4.3/5.0 (3)
4.3/5.0 (3)
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