BASE RATE
0.05% p.a.
MAX RATE (ALL TIERS)
1.05% 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
Base 0.05% a year on entire balance. Bonus interest: 0.70% a year Monthly No-Withdrawal bonus + 0.35% a year Monthly Save bonus (deposit >= S$500 without withdrawals) = up to 1.05% p.a. bonus, giving total interest up to 1.10% a year on entire balance. No salary or card spend required.
SOURCE
https://www.ocbc.com/personal-banking/notices
OCBC Singapore official Bonus+ Savings Account page (0.05% base, 0.70% no-withdrawal bonus, 0.35% save bonus >=S$500, up to 1.10% total a year) verified 2026-10-05
Verified 19 Oct 2026. Rates change — always confirm on the official site.