0.05%

Base Interest Rate p.a.

4.40%

Max. Interest Rate p.a.

^S$3,000

Min. Balance

All Details

• Key Features

  • Minimum salary credit of S$1,800 via GIRO

  • OCBC 360 is a savings account with a base interest rate of 0.05% per annum on the account’s balance

  • You enjoy bonus interest rates when you credit your monthly salary, meet certain deposit amounts such as S$500 monthly increases or S$200,000 total balance, purchase insurance, or invest with OCBC

  • Increase your OCBC 360 account savings balance by S$500 monthly to enjoy 0.10% bonus interest on the first S$25,000, followed by 0.20% bonus interest for the next S$25,000, and 0.40% bonus interest for the third S$25,000

  • If your account balance is above S$200,000, you enjoy an additional 0.40% on your first S$75,000 deposited

Income

Salary Credit
– Crediting salary	Credit above S$1,800 salary via GIRO to your OCBC 360 savings account
– Tier 1 Bonus Interest	0.40% per annum salary credit bonus, up to S$25,000 balance
– Tier 2 Bonus Interest	0.80% per annum salary credit bonus if your balance is between S$25,000 and S$50,000
– Tier 3 Bonus Interest	1.20% per annum salary credit bonus if your balance is between S$50,000 and S$75,000

Insurance

Insurance Premium
– Insurance payment	If you are a OCBC 360 primary account holder, purchase an eligible OCBC insurance plan to enjoy bonus interest of 0.40% on first S$25,000, 0.80% on next S$25,000, and 1.20% on the third S$25,000 for 12 months
– Eligible CAT 1 Regular Premium Policies	MaxEndowment Insurance Special, MaxAdvance Payout, MaxGrowth Enhanced (15 years), GREATLife Endowment Insurance 5, GREATLife Endowment Insurance 10, GREATLife Endowment Insurance 15, and more. Requires mInimum placement amount of S$4,000
– Eligible CAT 2 Regular Premium Policies	GREAT Term or GREAT Term and Riders, Investment Linked Insurance Plan, Mortgage Protect, Mortgage Protect Advantage, MaxLife Multiplier 15, and more. Requires mInimum placement amount of S$2,000
– Eligible Single Premium Insurance Plans	PrimeGold Bonus 2, PremierLife Generation II (USD and SGD,) PremierLife Legacy, PremierLife Heritage (Classic), Emerald Legacy Life Plan, Universal Life Plus, HSBC Jade Legacy Universal Life, and more. Requires mInimum placement amount of S$20,000

Investments

Investing
– Transactions	If you are a OCBC 360 primary account holder, invest with OCBC to enjoy bonus interest of 0.40% on first S$25,000, 0.80% on next S$25,000, and 1.20% on the third S$25,000 for 12 months after the free look or cancellation period has ceased
– Eligible OCBC investments	Unit trusts with a minimum of S$20,000. Excludes investments in money market funds, Systematic Investment Programme (OCBC Momentum), and unit trusts transferred from other financial institutions
– Eligible bonds and structured products	Bonds, equity-linked convertible investments, reverse equity-linked convertible investments, structured investments, and structured notes with a minimum of S$200,000

Eligibility

Citizenship Status	Singaporeans, PRs, and Foreigners
Minimum Initial Deposit	S$1,000

Fees and Charges

Minimum Average Monthly Balance	S$3,000
Fall Below Fee	S$2 (waived for 1 year)
Monthly Account Fee	N/A
ATM Withdrawal Charges	Free (for OCBC ATMs)
Cash Deposit Fee	Free
Counter Withdrawal Fee	N/A
Passbook Replacement Fee	S$15
Incidental Overdraft Charge	Prime + 4.75% (for SGD accounts)
Other Fees (if any)
Early Account Closure	S$30 (within 6 months)
Cheque Book Charges	S$10 each (optional)

Other Features

No. of ATMs Available	Over 1,100 ATMs in shared network in Singapore
Online Banking
Cashback Rate	N/A

Interest Rate

Base Interest p.a.	0.05%
Max. Interest p.a.	4.40%

Bonus Interest Rate

Monthly Salary Credit	Above S$1,800 via GIRO
First S$25,000	0.40% p.a.
Next S$25,000	0.80% p.a.
Next S$25,000	1.20% p.a.
Insurance	OCBC insurance plans
First S$25,000	0.40% p.a.
Next S$25,000	0.80% p.a.
Next S$25,000	1.20% p.a.
Note	Meet eligible OCBC insurance requirements to enjoy bonus interest for 12 months
Investment	OCBC unit trusts, structured deposits, or bonds and structured products
First S$25,000	0.40% p.a.
Next S$25,000	0.80% p.a.
Next S$25,000	1.20% p.a.
Note	Meet eligible OCBC investment requirements to enjoy bonus interest for 12 months

Policy Material

Policy URL	https://www.ocbc.com/personal-banking/campaign/360account-wef-1oct20.page