OCBC SGD Top Ups Promotion August 2026

⏳ Limited Time Promotion (till 31 August 2026)

Your interest rate at a glance

Tenure period Base Interest
Rate (p.a.)		 Bonus Interest
Rate (p.a.)		 Total Interest
Rate* (p.a.)
88 days 0.05% 1.55% 1.60%
188 days 0.05% up to 1.65% Day 1 – 88: 1.60%
Day 89 – 188: 1.70%

*The total interest rate is inclusive of the base interest rate of 0.05% p.a.

💡 Click here to view definitions▼
  • "Base Interest Rate" is calculated as the prevailing interest rate.
  • "Bonus Interest Rate" refers to additional interest rate, on top of the prevailing base interest rate, that will be earned by Eligible Customers. The Bonus Interest (as specified above) is only applicable to the Fresh Funds amount earmarked for the Promotion, from a minimum of S$50,000, and up to a maximum of S$5,000,000, for a period of 88 days or 188 days. Bonus interest will be computed from the date of deposit of Fresh Funds.
  • "Total Interest Rate" is the sum of the Base Interest Rate and the Bonus Interest Rate.
  • "Fresh Funds" refers to:
    1. Funds in the form of non-OCBC cheques/ cashier's orders/ demand drafts, funds that are not transferred from any existing OCBC accounts;
    2. Funds that are not withdrawn within 30 days before or during the Promotion Period and re-deposited (whether in part or in full amounts withdrawn) into the Eligible Account during the Promotion Period for purposes of qualifying for the Promotion;
    3. Funds must be incremental to the Eligible Customer's overall deposit balances for the selected tenure from the date of Eligible Transaction.
  • Note: The amount of Fresh Funds deposited must also result in a corresponding increase when compared against the total balances of all other OCBC current and/or savings accounts, including Time Deposit Accounts, as of 30 days prior to the date of deposit.


📈 See it on a timeline — how it works

View more details on each tenure here. Each bar shows the rate you earn across the days your funds are placed.

Option 1: 88 days tenure▼
Shorter
1.60% p.a.Day 1 – 88
Day 1: date of depositDay 89*: funds released
In summary: You will earn a total interest of 1.60% p.a. for 88 days.

*Note: The actual day your funds are released may differ if Day 89 falls on a Sunday or public holiday. Your funds will be released on the next working day instead.

Option 2: 188 days tenure▼
Earns more interest
1.60% p.a.Day 1 – 88
1.70% p.a. ↑Day 89 – 188
Day 1: date of depositDay 89: step up interestDay 189: funds released
In summary: You will earn a total interest of 1.60% p.a. for the first 88 days. Subsequently the bonus interest rate will increase. For the next 100 days (Day 89 – 188), you will earn a total interest of 1.70% p.a.

*Note: The actual day your funds are released may differ if Day 189 falls on a Sunday or public holiday. Your funds will be released on the next working day instead.

🧮 Bonus interest calculator

See how much you could potentially earn!
Choose a tenure and enter a top-up amount to estimate your bonus interest.

S$
Enter an amount between S$50,000 and S$5,000,000.
Estimated bonus interest: S$0.00
Select a tenure and enter an amount to see your estimate.

Figures are indicative only, computed on the bonus interest rate and truncated to 2 decimal places. Actual bonus interest is subject to the promotion Terms & Conditions.

ready to get started? Click next to start your registration steps!
1

Deposit fresh funds (S$50k–S$5mil) into an eligible account

2

Choose your tenure

3

Confirm your particulars & declarations

4

Submit by 31 Aug 2026 and await SMS confirmation



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