OCBC 360 Account
OCBC · Project your annual interest at your balance, salary credit, and card spend.
chevron_rightTo all Savings Accounts
Overview
As of 12 June 2026, the OCBC 360 Account projects up to 1.55% p.a. by stacking each qualifying category's own rate on the first S$100,000. The Salary credit, Card spend, and Grow bonuses are the ones the projection credits, and they are independent of each other, so partial qualification still earns whatever was met. The Insurance and Investment bonuses are left out because they lapse after 12 months.
| Balance slice | Rate | Interest / yr |
|---|---|---|
| Whole balance· base rate | 0.05% | S$25 |
| Salary credit · First S$75,000 | 1.00% | S$500 |
| Card spend · First S$100,000 | 0.25% | S$125 |
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+1.25% p.a.
- Balance growth+0.40% p.a.
- Card spend+0.25% p.a.
- Grow+1.20% p.a.
- Insurance· Promotional, 12 months+1.25% p.a.
- Investment· Promotional, 12 months+1.25% p.a.
Bonus requirements
- check_circleSalary creditSalary credit ≥ S$1,800/month (GIRO/FAST/PayNow) — 1.00% p.a. on first S$75,000, 2.00% p.a. on next S$25,000.
- check_circleBalance growthAverage daily balance growth ≥ S$500/month — 0.40% p.a. on 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 spendCard spend ≥ S$500/month on a selected OCBC credit card — 0.25% p.a. on first S$100,000.
- check_circleGrowAverage daily balance ≥ S$250,000 — 1.20% p.a. on first S$100,000.
- check_circleInsuranceEligible OCBC insurance product — 1.00% p.a. on first S$75,000, 2.00% p.a. on next S$25,000, paid for 12 months. Promotional: disclosed but not added to the projection.
- check_circleInvestmentEligible OCBC investment product — 1.00% p.a. on first S$75,000, 2.00% p.a. on next S$25,000, paid for 12 months. Promotional: disclosed but not added to the projection.
Effective 12 June 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. The calculator credits the perpetual, input-driven Salary (1.00%/2.00%), Card spend (0.25%), and Grow (1.20% for an average daily balance ≥ S$250,000) 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.
Fees & charges
No annual fee. The conditional fees below are disclosed for transparency and never affect the projected interest.
- Fall-below fee (per month)
- S$2 if the average daily balance is below S$3,000Waived for the first year
- Early account closure fee
- S$30 within 6 months of account opening
Frequently asked questions
How does bonus interest work on the OCBC 360 Account?
Bonus interest on the OCBC 360 Account is stacked rather than stepped: the Salary credit, Card spend, and Grow bonuses each add a rate of their own to the same first S$100,000, on top of the 0.05% p.a. base rate that the whole balance earns regardless. Nothing gates anything else, so meeting one category still pays that category's rate. Not every rate is flat across that tranche. The Salary credit bonus is banded inside it, paying 1.00% p.a. on the first S$75,000 and 2.00% p.a. on the slice between S$75,000 and S$100,000, so the upper slice of the tranche pays a higher bonus than the lower one. The Grow bonus is the odd one out: it is paid on the first S$100,000 but only while the average daily balance stays at or above S$250,000, so it cannot contribute at a balance sitting at the tranche itself.
What are the bonus interest requirements on the OCBC 360 Account?
Each requirement on the OCBC 360 Account stands on its own, and each one met adds its own rate: • Salary credit ≥ S$1,800/month (GIRO/FAST/PayNow) — 1.00% p.a. on first S$75,000, 2.00% p.a. on next S$25,000. • Average daily balance growth ≥ S$500/month — 0.40% p.a. on 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. • Card spend ≥ S$500/month on a selected OCBC credit card — 0.25% p.a. on first S$100,000. • Average daily balance ≥ S$250,000 — 1.20% p.a. on first S$100,000. • Eligible OCBC insurance product — 1.00% p.a. on first S$75,000, 2.00% p.a. on next S$25,000, paid for 12 months. Promotional: disclosed but not added to the projection. • Eligible OCBC investment product — 1.00% p.a. on first S$75,000, 2.00% p.a. on next S$25,000, paid for 12 months. Promotional: disclosed but not added to the projection.
What balance earns bonus interest on the OCBC 360 Account?
The first S$100,000 carries every credited category, but it is not one flat slab: the Salary credit bonus pays its higher band only between S$75,000 and S$100,000. A balance short of S$100,000 therefore gives up the higher band well before it gives up the bonus altogether, and the tranche itself never grows with the number of categories met.
What does it take to earn the most on the OCBC 360 Account?
The projected ceiling of 1.55% p.a. on the OCBC 360 Account assumes salary credit ≥ S$1,800/month and card spend ≥ S$500/month, held every month, on a balance at the tranche. It leaves out the Grow bonus, which is paid on the tranche but only while the average daily balance stays at or above S$250,000, so a balance sitting at the tranche cannot earn it. A balance carried above that threshold earns that bonus on the tranche and the base rate on everything else. Missing a category in a given month costs only that category's rate for that month; the ones still met are unaffected.
How is the effective interest rate on the OCBC 360 Account calculated?
The 0.05% p.a. base rate is applied to the whole balance first, then every qualifying category adds its rate on the slice of balance its own table covers, and the total is divided by the balance. Because the Salary credit bonus is banded inside the tranche while the others are flat across it, the effective rate depends on where the balance sits as well as on which categories were met: the same qualifications on a smaller balance produce a lower blend. The Insurance and Investment bonuses sit outside this calculation: they are paid for 12 months and then stop, so counting them would overstate a rate held year after year. The Balance growth bonus is also left out, because it turns on month-on-month balance movement that the inputs on this page do not capture.
Does the OCBC 360 Account have a minimum balance or fees?
Opening the OCBC 360 Account needs an initial deposit of S$1,000. A fall-below fee of S$2 a month applies if the average daily balance is below S$3,000 (waived for the first year), and closing the account within 6 months of account opening costs S$30.
Are the OCBC 360 Account interest rates guaranteed?
No. Banks revise savings rates and qualifying rules regularly. Some of the rates quoted here are time-limited by design: the Insurance and Investment bonuses run for 12 months and then lapse, whether or not the account's other rates change. The figures on this page reflect OCBC's published rates as of 12 June 2026 and are worth confirming on the issuer's own page before acting on them. This is information, not financial advice.
Last verified: 12 June 2026
Other savings accounts to compare
OCBC credit cards
Credit cards issued by OCBC that we track and compare.
2.1 mpd Foreign Currency
View card5% Dining, 3% Groceries
View card4 mpd on Shopping
View cardCalculator 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
OCBC governing terms: Official terms (PDF)