OCBC 360 Account
OCBC · Project your annual interest at your balance, salary credit, and card spend.
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How the interest is structured
Bonus interest by balance band and qualifying activity, on the first S$100,000. Balance above the cap earns the 0.05% base rate.
- Salary credit+2.00% p.a.
- Increase balance+0.40% p.a.
- Card spend+0.25% p.a.
- Insure+2.00% p.a.
- Invest+2.00% p.a.
Bonus requirements
- check_circleSalary creditCredit salary of at least S$1,800/month via GIRO/FAST/PayNow. Earns 1.00% p.a. on the first S$75,000 and 2.00% p.a. on the next S$25,000.
- check_circleIncrease balanceGrow your average daily balance by at least S$500 each month — 0.40% p.a. on the first S$100,000. Perpetual, but the calculator has no balance-growth input, so it is shown for reference and not added to the projection.
- check_circleCard spendCharge at least S$500/month to a selected OCBC credit card. Earns 0.25% p.a. on the first S$100,000.
- check_circleInsureBuy an eligible OCBC insurance product — 1.00% p.a. on the first S$75,000 and 2.00% p.a. on the next S$25,000, paid for 12 months. Promotional: disclosed but not added to the projection.
- check_circleInvestBuy an eligible OCBC investment product — 1.00% p.a. on the first S$75,000 and 2.00% p.a. on the next S$25,000, paid for 12 months. Promotional: disclosed but not added to the projection.
- chevron_rightCredit salary of at least S$1,800/month via GIRO/FAST/PayNow. Earns 1.00% p.a. on the first S$75,000 and 2.00% p.a. on the next S$25,000.
- chevron_rightGrow your average daily balance by at least S$500 each month — 0.40% p.a. on the first S$100,000. Perpetual, but the calculator has no balance-growth input, so it is shown for reference and not added to the projection.
- chevron_rightCharge at least S$500/month to a selected OCBC credit card. Earns 0.25% p.a. on the first S$100,000.
- chevron_rightBuy an eligible OCBC insurance product — 1.00% p.a. on the first S$75,000 and 2.00% p.a. on the next S$25,000, paid for 12 months. Promotional: disclosed but not added to the projection.
- chevron_rightBuy an eligible OCBC investment product — 1.00% p.a. on the first S$75,000 and 2.00% p.a. on the next S$25,000, paid for 12 months. Promotional: disclosed but not added to the projection.
Effective 1 May 2026. Base interest 0.05% p.a. on the whole balance; bonus interest on the first S$100,000, split first S$75,000 / next S$25,000. Published maximum 4.45% p.a. when all five categories are met. The calculator credits the perpetual, input-driven Salary (1.00%/2.00%) and Card spend (0.25%) bonuses; the Save bonus (needs month-on-month balance growth, which no input captures) and the promotional 12-month Insure/Invest bonuses (1.00%/2.00% each) are disclosed but not included in the projection.
Frequently asked questions
How is savings-account interest calculated here?
Each account pays a low base rate on your whole balance, plus bonus interest when you meet qualifying steps such as crediting your salary, spending on the bank’s card, or paying bills by GIRO. The calculator routes your entered balance and the steps you select against each issuer’s published rate structure, then projects the result over twelve months. These accounts have no annual fee, so the projected figure is both gross and net.
What is the bonus-eligible balance cap?
Most accounts pay bonus interest only up to a maximum balance. The UOB One Account, for example, pays bonus interest on the first S$150,000; any balance above that earns the base rate. The cap for each account is shown on its result row.
Why does crediting salary or paying bills by GIRO change the interest?
Banks unlock higher bonus tiers when you add qualifying activity. For the UOB One Account, eligible card spend is required for any bonus; crediting a salary of at least S$1,600 reaches higher tiers than the three-GIRO-transaction alternative. Toggle these inputs to see how the projection changes.
Are these interest rates fixed?
No. Banks revise savings-account rates frequently and promotional bonus rates expire. The figures reflect the “Rates as of” date shown on each result row. Confirm current terms on the issuer’s official page before acting on them.
How are the accounts ordered?
Rows are ordered strictly by projected annual interest at the inputs you entered. When two accounts project the same interest, the tie is broken alphabetically by issuer. The ordering depends only on your inputs and each issuer’s published rates.
Is my financial information sent anywhere?
No. Every calculation runs locally in your browser. Your balance, salary, and spending are not sent to a server or any third party.
Last verified: 1 June 2026
Calculator limitations
- Your deposit balance is held constant for the full year.
- Every bonus requirement you select is assumed to qualify in each month.
- Bonus-interest caps reset monthly under each issuer’s own policy.
- Base and bonus rates are as of each account’s “Rates as of” date.
- No fall-below, early-closure, or account fees are modelled.
- A salary credit is counted only if it meets the issuer’s own GIRO / PayNow salary definition; a GIRO toggle assumes the issuer’s required number of GIRO transactions is met.
- Banks revise savings-account interest rates frequently.
- Promotional bonus rates expire and are not projected beyond their term.
- Category definitions and qualifying-transaction rules change over time.
- Interest compounding, crediting frequency, and rounding follow each issuer.
This output is an estimate generated from the inputs you entered. It is a projection, not a promise of returns. Figures may differ from what an issuer pays. Confirm current terms on each bank’s official page before acting on them.
See the SG Rates reference for sourced, date-stamped savings, SORA, and fixed-deposit figures.
Data last refreshedJune 2026