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DEPOSIT ACCOUNT

OCBC 360 Account

Fast tracking your career? Don't forget your savings! Get an account that earns a higher interest when you credit your salary, insure or invest and more.

  • 18 years old and above
  • Singaporeans, Permanent Residents, Foreigners with valid passes

  • S$1,000 initial deposit 
APPLY NOW

Your new everyday account

Perfect for executives

Breaking into the real world? Get an account that maximises your interest when you credit your salary, save and more.

  • Up to 1.25% a year for crediting salary
  • 1.45% a year when you credit salary, save & invest or insure
  • S$1,800 min. monthly salary credit

Get a S$100 e-voucher
when you apply online

Find out more

Up to 1.25% a year
for salary credit

Credit a salary of at least S$1,800 and earn up to 1.25% a year when your balance grows over S$35,000

instant sign-up

Get your account right away when you apply online

Save for the things you want

Set Saving Goals to automatically put money aside each month. Save for that home renovation or next vacay

Learn more

How it works

Here's how to earn bonus interest

Get bonus interest across any or all of these categories on the first S$70,000 of your account balance. Hit more categories for higher interest!

First S$35,000

Next S$35,000

Salary Bonus
First S$35,000

0.6%

a year

next s$35,000

1.2%

a year

Credit your salary of at least S$1,800 a month via GIRO

wealth Bonus
First S$35,000

0.6%

a year

next s$35,000

1.2%

a year

Insure or invest in eligible OCBC wealth products

save Bonus
First S$35,000

0.2%

a year

next s$35,000

0.4%

a year

Increase your average daily balance by at least S$500 from the previous month

Base interest

0.05%

a year

Earn this base interest on your entire account balance

0.8%

a year

Maintain an average balance of at least S$200,000 to earn Grow bonus each month

Interest calcuator

See how much interest you can earn

    • Account balance

      S$
    • Salary of at least S$1,800

    • Purchased an eligible wealth product

    • Increase in account balance per month

      S$
Interest earned

S$0

a month

S$0

a year

See breakdown
  • Salary bonus S$0
  • Wealth bonus S$0
  • Save bonus S$0
  • Grow bonus S$0
  • Base interest S$0
Sign up promotion

Get a S$100
e-voucher

Make OCBC 360 your first account and credit your salary of at least S$1,800 to get S$100 FairPrice e-voucher

See terms and conditions

Before you apply
  • Eligibility

    Min. age

    18 years old

    Nationality

    Singaporean / Singapore PR / Foreigners with a valid Employment pass, S-Pass or Student Pass

  • FEES & CHARGES

    Initial deposit

    S$1,000

    Fall below fee

    S$2

    Automatic fall below fee waiver

    Minimum average daily balance of S$3,000

  • what to prepare

    Singaporeans or Singapore PR

    NRIC
    If new OCBC customer and mailing in application

    Foreigners

    Passport with 6 months' validity
    Employment Pass, Special Pass or Student Pass
    If new OCBC customer

Get that bonus you deserve

Going further

Make the most of your account

frank credit card
Earn 6% cashback

Get up to S$75 back in your pocket each month when you shop online, pay via contactless mobile payments and spend overseas.

Get up to S$75 back in your pocket each month when you shop online, pay via contactless mobile payments and spend overseas.

Grow your wealth
Invest without the stress

We'll do the hard work so you can make smart decisions to build your investment portfolio. Plus, you can fund your investments with your account!

We'll do the hard work so you can make smart decisions to build your investment portfolio. Plus, you can fund your investments with your account!

  • How different is the 360 Account from other savings or current accounts?

    The 360 Account is a deposit account that pays you bonus interest when you do all or any of these:

    • Credit your salary through GIRO
    • Save and increase your account balance
    • Insure or invest with OCBC

    The account comes with e-statements and you can choose to have a cheque book.

  • How is the interest calculated?

    You get 2 types of interest on your account balance every month.

    Base interest:
    This interest is accrued daily based on your account's day-end balance and you will receive this at the end of the month.

    Bonus interest:
    For the FOUR types of bonus below, you will earn bonus interest on 2 tiers based on your account balance, up to the first S$70,000:

    • Earn up to 1.2% a year for crediting your salary of at least S$1,800 through GIRO and/or
    • Earn up to 0.4% a year for increasing your account's average daily balance by at least S$500 from the previous month and/or
    • Earn up to 1.2% a year for 12 consecutive months when you purchase a new eligible insurance and/or investment product from OCBC and/or
    • Earn 0.8% a year if your account's average daily balance is at least S$200,000.

    For illustration purpose:

    Bonus Interest Categories Maximum interest
    earned a year1
    Salary S$360
    Save S$210
    Wealth S$630
    Grow S$560
    Total S$2,030

    1 The maximum interest earned is computed based on the effective interest rate of the respective bonus interest categories and the bonus interest balance cap.

    Please refer to the online calculator available on this page to find out more.

  • How will I know that the bonus interest is credited to my 360 Account?

    Your bonus interest will be reflected in your e-statement, Online Banking and Mobile Banking transaction history as follows

    • 360 SALARY BONUS
    • 360 SAVE BONUS
    • 360 WEALTH BONUS
    • 360 GROW BONUS

    If you close your account before the bonus interest crediting date, the bonus interest for the previous month will be forfeited.

  • Can I open more than one 360 Account?

    Each customer is only allowed to open one 360 Account where he/she is the Primary Account holder. The signing mandate can be either signed singly or joint alternate.

  • Can I use the money in my 360 Account?

    Yes you can. There is no lock-in period for this account. You can withdraw money with a debit card and/or access your money through OCBC Online Banking.