Choose a FRANK Debit Card of your choice from over 120 designs. Cute, hot, quirky, retro or wild. Which one suits your personality, whim or fancy? You can even change your card to a new design whenever you feel like it.
Pay with Visa / MasterCard
  • Pay with your card for online transactions or at merchant outlets that accept Visa/MasterCard worldwide
Pay with your PIN
  • Pay for your purchases with NETS at over 75,000 acceptance points islandwide
Cash withdrawal worldwide
  • Use your card to withdraw cash from 1,200 ATMs^ islandwide and more than 2 million ATMs worldwide (the FRANK Debit card has to be tagged to a FRANK or OCBC Account)
^Based on a shared ATM network with UOB Bank.
NETS FlashPay it for your transport expenses
  • MRT and public buses
  • ERP and EPS Cepas2 car parks
The terms of 'NETS Terms and Conditions Governing the Use of NETS FlashPay' is available at

Frequently Asked Questions (FAQs)
Wave to pay with Visa payWave
  • A Visa contactless payment feature that allows customers to make faster and easier transactions for purchases below S$100.
  • Widely accepted in Cold Storage, Starbucks, Subway, Watsons and many more
Exclusive offers with your FRANK Visa/MasterCard Debit Card
  • Enjoy FRANK exclusive deals when you dine, shop, play and travel
  • Be entitled to the same discounts and offers as an OCBC cardmember


For existing OCBC Account customers, click here to find out if your account is eligible for tagging to a new FRANK Debit Card.

(NEW) Keep tabs on your account
easily with OCBC OneTouch™


For the first time in Singapore, you can check you bank balances with just your fingerprint. No login required, check if your pay is in or if you can afford the extra indulgence – securely, with a single touch.

Find out more

The FRANK Debit Card comes with a FRANK Account that earns you higher interest rates of 0.2% p.a. to 0.4% p.a. (interest rates are only applicable for deposit amounts up to S$500,000). There is no initial deposit and monthly fee if you are below 26 years old.

Plus, know where your money is going with OCBC Money In$ights via OCBC Online and Mobile Banking.

Find out more about OCBC Money In$ights

FRANK comes with e-statement

1) Easy Storage: Download and store your e-Statements
    easily on your computer and eliminate messy filing.

2) Improved Protection: Your statements can only be
    accessed when a password is entered, so no one else will
    see them.

3) Enhanced Convenience: You can retrieve your
    e-statements on Online Banking anytime, anywhere.

Age Requirement You must be aged 16 and above to apply
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.
Annual Fee 1st year Waived for Visa cardmembers.

No annual fee for FRANK Debit Card (MasterCard version) with effect from 1 April 2013.

Subsequent Years Waived for Visa cardmembers.

No annual fee for FRANK Debit Card (MasterCard version) with effect from 1 April 2013.
Card Replacement Fee

For lost card or change of card design

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

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

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

Sign up for a FRANK Debit Card & Account
Sign up for the FRANK Debit Card online and choose from 6 free exclusive card designs.

  1. If you wish to apply for another FRANK card design (card design fees apply), please visit any FRANK Store / OCBC Branch.
  2. If you are using a foreign mailing address to apply (only FRANK Default Design TEX0012 is available for form applications), please download the form here.

View all card designs at the FRANK Card Gallery.

Got your new card already?
Activate now to start enjoying awesome deals and privileges.
Click here for FAQ

From 1 October 2013, the magnetic stripe on all credit and debit cards will be deactivated for overseas transactions. You may wish to activate the magnetic stripe if you are travelling overseas via OCBC Online Banking or from 1 October 2013

Click here for FAQ