COOL DROPS TO MATCH
YOUR VIBES
Apply now and earn up to S$30 cash reward!
USE YOUR DIGITAL CARD INSTANTLY
Don't have time to waste? Access your debit card and account right away when you apply online.

MEET YOUR NEW ALL-IN-ONE SIDEKICK
The all-in-one debit card that's always got your back – and earns you real perks along the way.

GET YOUR CASH FIX IN A FLASH
No card, no problem. Simply hit up any OCBC ATM to withdraw cash conveniently using the QR code. It's that easy!

KICKSTART YOUR FINANCIAL INDEPENDENCE
Take control of your everyday finances and keep track of your expenses with a 24/7 accountant at your fingertips.


BONUS QUARTERLY PROMOTION
GET A 1% CASHBACK BOOST ON APPLE AND SAMSUNG DEVICES
This is the best time to see to your back-to-school needs! From now till 31 October 2023, earn 1% cashback when you shop at Apple.com, Apple stores, Samsung.com and Samsung stores.
FRANK DEBIT CARD + ACCOUNT
LEVEL UP YOUR SAVINGS GAME WITH THE FRANK ACCOUNT
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S$0initial deposit
You don't need a single dollar to get started. Just open the account and you're good to go!
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S$0fall below fees
Saving up for something big or looking to stretch your budget further? Do it all without any fear of extra charges.
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4xhigher interest
Grow your savings while you live your best life with up to 0.2% a year in interest.
National Day Card Designs
8 Limited Edition Designs
To commemorate Singapore’s 58th National Day, we have collaborated with the little dröm store to create 8 limited edition FRANK Debit Card designs. These were inspired by iconic elements that embody the spirit of Singapore. Founded by 2 graphic designers, the little dröm store produces quirky merchandise inspired by ‘everyday Singapore’. Learn more about the store, its founders, and get into the inspiration and stories behind their creations.
FIND YOUR #FRFR AESTHETIC
MATCH YOUR DRIP WITH MORE THAN 60 CARD DESIGNS
Latest drop
Couple design series by cliothewindow
Cliothewindow is a Singaporean illustrator and visual designer who loves to turn her observations and emotions into whimsical and playful artwork. Her work which was inspired by K-dramas and animes is now featured on a series of adorable and lovable FRANK Debit Card designs for the community.
Find out more about cliothewindow and her thought process behind this collaboration.

Don't miss out on this!
Singapore Comic Con 2023 is here!
Happening from 9 - 10 December 2023, enjoy 10% off all ticket bundles (capped at S$7) with your FRANK by OCBC Debit or Credit Card! Just enter promo code <FRANK10OFF> when you pay with your FRANK Card! Limited tickets available.
Terms and conditions apply.

LATEST EVENT
FRANK FEST 2023: RING IN THE YEAR-END VIBES
As the year comes to an end, get ready for our first ever FRANK festival – we're bringing the craziest lineup of deals, promos and giveaways just for you. Win Taylor Swift goodies, enjoy free entry to Marquee Singapore and stay tuned for more awesome surprises coming your way!
ONGOING SPECIALS
ENJOY THESE LIMITED-TIME OFFERS

National Day Sign-up Promo
Win up to S$58 in Cashback
Celebrate Singapore’s 58th birthday with FRANK! Apply for a FRANK Debit Card between 1 and 31 August 2023. Charge at least S$58 to your Card by 30 September 2023. You will stand a chance of earning cashback ranging from S$5.80 to S$58.
Celebrate Singapore’s 58th birthday with FRANK! Apply for a FRANK Debit Card between 1 and 31 August 2023. Charge at least S$58 to your Card by 30 September 2023. You will stand a chance of earning cashback ranging from S$5.80 to S$58.

OTHER PROMOTIONS
FRANK X SHOPEE DEBIT CARD DESIGN
Apply for a Shopee design FRANK Debit Card by 31 August 2023 and receive a S$10 Shopee Voucher. Limited to the first 100 eligible applicants.
Apply for a Shopee design FRANK Debit Card by 31 August 2023 and receive a S$10 Shopee Voucher. Limited to the first 100 eligible applicants.
YEAR END EXCLUSIVE FOR NEW FRANK CUSTOMERS
FRANK gives you up to S$30 cash reward when you work hard & play hard
Here's how you can earn your cash reward:
Steps | CASH REWARD |
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Promotion is valid from 1 November to 31 December 2023. Only for the first 1,000 new-to-FRANK customers of each month.
Terms & conditions apply
Insured up to S$75k by SDIC.
FRANK DEBIT CARD COLDPLAY LUCKY DRAW RESULTS
CONGRATULATIONS TO OUR 5 LUCKY WINNERS
Qualifying Period: 31 Aug – 9 Oct 2023
Draw Date: 16 Nov 2023
Prize: One pair of Suite Access Tickets on 23 January 2024, Tuesday
Winners for the FRANK Debit Card Coldplay Lucky Draw Promotion
S/N | Customer Name | NRIC (Last 4 Characters) |
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1 | CHARMAGNE UY PHUA | 509E |
2 | ROSNIYATI BINTE ABDUL RANI | 135H |
3 | NURULFARHANA BINTE MOHD HASLAM | 705F |
4 | POH JINGWEN, MELISSA | 044D |
5 | LEE PEI PEI, TERESA NAOMIE ELISA | 146A |
Step 1: Register to be part of the draw
Enter the Coldplay draw via this e-form. T&Cs apply.
Step 2: Get your unique referral link
Enter the following details to generate your unique referral link and share it with your friends. Please ensure that your details are entered accurately so that we can award you for your referrals!
8 DIGITS OF YOUR MOBILE NUMBER
LAST 8 DIGITS OF YOUR FRANK DEBIT Card
Please ensure that your details are correct.
By participating in the Promotion, both the Referrer and the Referred Individual consent to the following:
- the Referrer consents to having the referrals and his or her name disclosed to the person(s) referred by them to OCBC Bank; and
- the Referred Individual consents to having his or her name and status of successful signing up under the Promotion disclosed to the Referrer.
National Day Sign-up Promo
Win up to S$58 in Cashback
Celebrate Singapore’s 58th birthday with FRANK! Apply for a FRANK Debit Card between 1 and 31 August 2023. Charge at least S$58 to your Card by 30 September 2023. You will stand a chance of earning cashback ranging from S$5.80 to S$58.
USE YOUR DIGITAL CARD INSTANTLY
Don't have time to waste? Access your debit card and account right away when you apply online.
MEET YOUR NEW ALL-IN-ONE SIDEKICK
The all-in-one debit card that's always got your back – and earns you real perks along the way.
GET YOUR CASH FIX IN A FLASH
No card, no problem. Simply hit up any OCBC ATM to withdraw cash conveniently using the QR code. It's that easy!
KICKSTART YOUR FINANCIAL INDEPENDENCE
Take control of your everyday finances and keep track of your expenses with a 24/7 accountant at your fingertips.
Before you apply
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Eligibility
Min. age
16 years old
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APPLICATION GUIDE
Singaporeans or Singapore PR with Singass (Instant Approval)
Foreigners
Apply via form application or visit any FRANK store

READY TO SIGN UP, FOR REAL FOR REAL?
No Singpass account? Let us guide you through the application process from start to finish.

FAQ
See all FAQ-
How long does it take for new/replacement card to reach me?
It takes about 10 working days.
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How do I change my card design?
You may submit the Debit Card Maintenance Form indicating the NEW design of your choice. Alternatively, you may head down to any OCBC Branches to request for a change of card design.
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My card is expiring soon. What should I do?
A renewal card will be sent to you one month before it expires. Your card will be mailed to your mailing address.
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Can I change my card design once it expires?
You may submit the following form - Debit Card Maintenance Form indicating the NEW design of your choice. Alternatively, you may head down to any OCBC Branches to request for a change of card design.
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What are the replacement charges for the FRANK Debit Card?
Card replacement fee is waived for up to 2 replacement in 12 months period and a S$30 card replacement fee applies from 3rd card onwards. From 1 January 2023, the card replacement fees from 3rd card replacement onwards will be updated to S$32.40.
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Terms and conditions
- Terms and Conditions Governing FRANK Debit Card 1% Cashback (with effect of 1st April 2023)
- Terms and Conditions Governing Card Replacement here
- Terms & Conditions Governing the FRANK White Sands Roadshow Sign Up Promotion
- Terms and Conditions Governing the FRANK New Debit Card and Account October Promotion
- Terms and Conditions Governing the FRANK New Debit Card and Account Work Hard Play Hard Promotion
- Terms & Conditions Governing the FRANK Debit Card Coldplay Lucky Draw Promotion
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Important notices
With effect from 18 June 2016, the Debit Cardmembers' Agreement will be revised to address, among other matters, amendments and provisions relating to the introduction of digital payment services and malware risks. Please view the revised Debit Cardmembers' Agreement
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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$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.