Is the OCBC 360 Account SDIC-insured?

Yes. The OCBC 360 Account is SDIC-insured up to S$100,000 per depositor per member bank.

OCBC 360 Account

Q: What is the interest rate on the OCBC 360 Account?

The OCBC 360 Account pays a base rate of 0.05% p.a., up to 4.45% p.a. with bonus tiers. Base 0.05% p.a. on entire balance. Bonus categories on first S$100,000: Salary 1.00% (first S$75k)/2.00% (next S$25k); Save 0.40% (increase ADB by S$500/month; limited-time 0.50%/1.10% until 31 Dec 2026); Spend 0.25% (S$500 card spend); Insure 1.00%/2.00% (12 months); Invest 1.00%/2.00% (12 months); Grow 1.20% (ADB >= S$250,000). Max EIR 4.45% p.a. (Salary+Save+Spend+Insure+Invest); limited-time max EIR 4.70% p.a. from 1 Aug to 31 Dec 2026. Verified 4 Sept 2026 against the official OCBC Bank website.

OCBC Bank · Singapore · Verified 4 Sept 2026

BASE RATE

0.05% p.a.

MAX RATE (ALL TIERS)

4.45% p.a.

BALANCE CAP

S$100,000 (bonus interest on first S$100,000)

■ BONUS TIER REQUIREMENTS

Salary credit REQUIRED — min S$1800/mo

Card spend REQUIRED — min S$500/mo

Bill payments (GIRO) NOT REQUIRED

Insurance / investments via bank REQUIRED

SDIC insured YES — S$100,000 per depositor per member bank

Minimum balance S$3,000 minimum average daily balance (initial deposit S$1,000)

Monthly fee S$2 fall-below fee if ADB below S$3,000 (waived first year)

HOW THE RATE WORKS

Base 0.05% p.a. on entire balance. Bonus categories on first S$100,000: Salary 1.00% (first S$75k)/2.00% (next S$25k); Save 0.40% (increase ADB by S$500/month; limited-time 0.50%/1.10% until 31 Dec 2026); Spend 0.25% (S$500 card spend); Insure 1.00%/2.00% (12 months); Invest 1.00%/2.00% (12 months); Grow 1.20% (ADB >= S$250,000). Max EIR 4.45% p.a. (Salary+Save+Spend+Insure+Invest); limited-time max EIR 4.70% p.a. from 1 Aug to 31 Dec 2026.

SOURCE

https://www.ocbc.com/personal-banking/deposits/360-savings-account

OCBC official 360 Account page (bonus rate table, EIR 4.45%/4.70% limited-time, base 0.05%, fees S$2 fall-below, S$3,000 ADB) + ocbc.com/personal-banking/notices (revision from 1 May 2026: up to 4.45% a year on first S$100,000)

Verified 4 Sept 2026. Rates change — always confirm on the official site.