BASE RATE
0.05% p.a.
MAX RATE (ALL TIERS)
0.7% p.a.
BALANCE CAP
None
■ BONUS TIER REQUIREMENTS
Salary credit NOT REQUIRED
Card spend NOT REQUIRED
Bill payments (GIRO) NOT REQUIRED
Insurance / investments via bank NOT REQUIRED
SDIC insured YES — S$100,000 per depositor per member bank
HOW THE RATE WORKS
Bonus interest for saving behaviour: from 1 June 2026, Monthly Save and No Withdrawal bonus 0.35% p.a. (7x base) and Monthly No Withdrawal bonus 0.70% p.a. (14x base) on top of 0.05% base. Max total 0.75% p.a. (0.05% + 0.70%).
SOURCE
https://www.ocbc.com/personal-banking/notices
OCBC official Personal Banking Notices (29 April 2026: Updates to OCBC Bonus+ Savings Account from 1 June 2026 - base 0.05%, save+no-withdrawal 0.35%, no-withdrawal 0.70%)
Verified 4 Sept 2026. Rates change — always confirm on the official site.