FRANK Debit Card

Debit and ATM Card for Youths and Students

All you need is one stylish card

Goodbye fat wallet. Goodbye boring bank cards.

Show me how to apply

Why use the FRANK Debit Card?

It is a debit card, transport card and ATM card

Goodbye, fat wallet! Tap and pay for MRT, bus rides, ERP charges and even carparks with EPS Cepas 2. Withdraw cash and make NETS payments from 1,200 ATMs islandwide.

Choose from 120 of the coolest hand-picked card designs

With 120 unique designs, take your time to pick the one that you like best. Let your personality show every time you pay with your Frank Debit Card. Change your design as often as you fancy!

More ways to pay online and at merchants worldwide

With options like Visa / MasterCard, NETS, Visa payWave and NETS FlashPay at your fingertips, online and worldwide merchant transactions will be a breeze.

Let your personality shine with 120 unique card designs


It doubles as a transport card and ATM card

You may top-up at the General Ticketing Machines (GTM) found in the public transit, Local Bank ATMS, iNETS Kiosks and NETS Self-Service top-up machine.

FRANK Card Privileges

When you’re with FRANK, you get to enjoy fantastic privileges specially tailored for FRANK customers.

For more awesome deals, visit our ‘Hot Deals’ page.

Show me more Hot Deals


Faster payment with Visa payWave

Visa payWave lets you breeze through check out faster since you don’t need to fumble for cash. Simply wave your card in front of a secure reader and you’re on your way. Works for transactions below S$100. Widely accepted in Starbucks®, Subway®, Watsons and many more.

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

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

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.

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

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.

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.

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.

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.

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 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.


Fees and charges

Annual fees:

More details

There are no annual fees for the FRANK Debit Card.

Design fees:

More details

FRANK Card Design Fee:

  • From S$0 – S$20 depending on card design.
  • To see how much your favourite card design costs, simply browse through our card gallery.

Replacement fees:

More details

For lost card or change of card design:

  • Card replacement fee is waived
  • Card design fee from S$10 – S$20 applies

Note: Up to 2 replacements in a 12 month period; 3rd replacement onwards will be charged a S$20 card replacement fee.

For damaged or faulty card

  • Card replacement fee is waived
  • Card design fee is waived if there is no change to the card design. If you wish to change your card design, card design fee from S$10 – S$20 applies

Am I eligible for the FRANK Debit Card?

You must be aged 16 and above to apply.

What others are saying

How to apply

Apply Online

Apply online and get to choose from an additional 5 ‘online only’ designs.
Apply online now

Apply at a Frank Store

Visit any FRANK Store or OCBC Branches.
Frank store locations

Apply by SMS

SMS <FRANK> space <Name> space <NRIC> to 76062 and we’ll contact you within 3 business days.

More details about Debit Card

Terms and Conditions for NETS FlashPay (applicable to FRANK Debit Card only)
Terms and Conditions Governing Card Replacement
Terms and Conditions Governing FRANK Debit Card
OCBC Debit Cardmembers Agreement

Terms and Conditions for NETS FlashPay (applicable to FRANK Debit Card only)

  1. I acknowledge that the card comes with a NETS FlashPay stored value facility held and operated by Network for Electronic Transfers (Singapore) Pte Ltd.
  2. I give you my permission to share information about me or my account as you consider appropriate to NETS or other persons as may be necessary for the usage of the stored value facility.
  3. By applying for this card, I agree to, and will use the card according to, the terms of "NETS Terms and Conditions Governing the Use of NETS FlashPay" (available at ).

Terms and Conditions Governing Card Replacement

  1. I agree that the card design fee paid by me will not be refunded nor be used to pay for a similar or different card design selected by me when I replace my card for any reason whatsoever.
  2. I accept that my existing card will be terminated by OCBC Bank if I change or replace the card design on my card to or with another design. I agree to surrender my existing card to OCBC Bank for cancellation when I submit my application to change or replace the card design.

I hereby irrevocably and unconditionally:

  1. Confirm that I have read, understood and agreed to be bound by the terms and conditions set out in this application form;
  2. Represent and warrant that all information provided by me in this application is true and complete and undertake to notify OCBC Bank immediately of any change in such information;
  3. Confirm that I am not an undischarged bankrupt and there has been no statutory demand served on me;
  4. Authorise OCBC Bank to verify information given in this application with any party (including, without limitation, with any credit bureau or any other organisation or corporation set up for the purpose of collecting and providing information relating to the credit standing of persons) without reference to me;
  5. Consent for OCBC Bank to disclose any information whatsoever relating to me as OCBC Bank shall consider appropriate to any person to whom disclosure is permitted or required by any applicable law or to any other person wherever situated for any purpose. Without prejudice to the foregoing, I consent to such disclosure to any credit bureau or any other organisation or corporation set up for the purpose of collecting and providing information relating to the credit standing of persons, and to the disclosure by such credit bureau or other organisation or corporation to any member thereof, for the purposes of assessing my creditworthiness or for other purpose whatsoever; and
  6. Agree that OCBC Bank has the absolute discretion to decline my application for a FRANK Debit Card and/or FRANK Account without giving any reason and to retain the documents submitted as property of OCBC Bank.

Terms and Conditions Governing FRANK Debit Card


  1. I agree to and shall abide by all terms and conditions governing card replacement (“Card Replacement”) set out below.
  2. I shall not duplicate or distribute any card designs (including logos) without the prior written consent of OCBC Bank, regardless of whether such card designs are currently in circulation or public domain.
  3. I agree that OCBC Bank shall not be responsible or liable for and agree to absolve OCBC Bank from all responsibilities or liabilities arising out of or in connection with any card design, including but not limited to that related to picture quality, third party’s claims and errors and/or inconsistencies between the picture designs displayed at the store, online and other forms or means in any manner.
  4. I accept that OCBC Bank may terminate, discontinue or withdraw the use or availability of any card designs at any time without notice to me.
  5. I agree to pay OCBC Bank the prevailing card design fee for any card design selected by me whenever I apply for or replace any card and this includes any similar card designs previously selected and paid by me. I agree that the card design fee may be paid by debiting any of my accounts with OCBC Bank or other means as the Bank may agree.
  6. I accept that OCBC Bank may vary the card design fee of any card at any time and from time to time and will not refund nor return the difference between the card design fee previously paid by me and the revised card design fee.
  7. I accept that OCBC Bank reserves the right to select any card design for me in the event that a card design is not selected, indicated or stated clearly in my application form, replacement form or card design request form.