360 Account

Your money will work as hard as you

As you start working, get an account that pays you up to 4.20% bonus interest for your day-to-day banking transactions such as salary credit, bill payments, credit card spending, insurance or investments and incremental account balances.

Show me how to apply

Why use 360 Account over others?

Higher interest for young professionals

With your first job comes your first salary.  Get the most from your money by crediting them into an account that gives you the highest interest rates. 360 account gives you the highest interest rate (1.25%) just by crediting your salary.

Earn interest from bill payments and spending

By now you are probably paying for bills and making purchases with different credit cards. Pay using this account and spend with OCBC Credit Cards to earn extra interest. The more transactions you make, the more interest you earn.

The simplest online and mobile banking experience

Keep track of your spending by categories, as well as set budgets and alerts via SMS / email. Set up sub accounts for your saving goals. You can also keep your spending in check by seeing how other people like you manage their money.

How to earn the bonus interest

Bonus Interestevery month

Credit your salary +1.2%

per yearCredit your salary of at least S$2,000 through GIRO

Bonus InterestEvery month

Pay 3 bills online +0.5%

per yearPay any 3 bills online or through GIRO

Bonus InterestEvery month

Spend $500

per yearSpend at least S$500 on OCBC Credit Cards

Bonus InterestEvery month

Spend $500

per yearInsure or invest and get this bonus for 12 months

Bonus InterestEvery month

Incremental account


per yearIncrease your account balance from the previous month’s balance

What if I didn’t do all of the above?

On the months you do less of the above transactions, you will earn less bonus interest. For example; if you only credited your salary for that month, you will earn interest at a rate of 1.05% per year for that month.

Have more questions?

This page will tell you all you need to know about OCBC 360 Account.


Use your fingerprint to check your bank balances with OCBC OneTouch on our Mobile Banking App.

Save for your dreams with the Frank Savings Goals. You are more likely to overspend, if you don't develop a habit of setting aside a specific amount of money as savings. Always pay yourself first.

Set budgets and get alerts through SMS or email. Budgets are easy to stick to with SMS and email reminders. Every dollar counts when it comes to achieving your dreams.

Set saving goals that make automatic savings each month, and track your progress towards each goal.

Set up your Savings Goals online with your own pictures. Cash placed in your Savings Goals are locked in. You can release that cash anytime via Online Banking.

People who write down their goals are 42% more likely to achieve them as compared to those who do not, according to a study conducted at Dominican University in California.

Find out how much people like you are spending and saving, and see where others like you put their money.

It does all the hard work of organising and categorising your spending, leaving you free to do the things you really want to do.

It gives you a big picture of all your assets and liabilities on one page.

Money In$ights automatically shows exactly where your money is going.

Manage your money on the go with Mobile Banking. Scan and pay bills immediately anywhere. Available on iPhone and Android.

Transfer funds and send money to anyone easily. Available on iPhone and Android.

Go paperless with e-statements. Download and store your e-Statements easily on your computer. You can retrieve your e-statements on Online Banking anytime, anywhere.


Let your personality shine with 120 unique card designs

Fees and charges

S$1,000 initial deposit to open a 360 account.

You have to maintain a monthly minimum balance of $3,000, if not a monthly balance fall below fee of $2 will be charged. This monthly balance fall below fee is waived for the first year.

Am I eligible for the 360 Account?

You need to be 18 years old and above.
Singaporeans, Permanent Residents,
E-Pass and S-Pass Holders only.

Remember to bring along your NRIC (Passport and E-Pass/S-Pass for foreigners)
and prepare S$1,000 for initial deposit.

How to apply

Apply on mobile

Account is opened within 5 working days.


Apply Online

Open your account anywhere. Account is opened within 2-5 working days.
For NEW customers
For OCBC customers

Visit a Frank Store

Visit any FRANK Store or OCBC Branches. Account is opened immediately.
Frank store locations


Terms and Conditions

Insured Deposits Register

Terms & Conditions

*Promotional interest rates are subject to change without prior notice.

^Based on a shared ATM network with UOB Bank.

Online Banking

Deposit Insurance Scheme

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.