SmartSavings - Banking

Key Benefits

Grow savings with higher interest rates
Privacy with option of no monthly statement feature
Circle of privileges specially created for ladies

Visit The OCBC Ladies Circle Microsite >

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OCBC SmartSavings Account helps you grow your savings with higher interest rates compared to regular savings accounts¹. So you can sit back and watch your savings grow faster than before.

What's more, for all ladies who sign up for the OCBC SmartSavings Account, you'll automatically become an OCBC Ladies' Circle members and enjoy a circle of privileges as you grow your wealth. Discover more here!

Interest Rates

Account Balance	Interest Rates (p.a.)²
First S$20,000	0.20%
From S$20,001 to S$250,000	0.30%
Above S$250,000	0.40%

Benefits

Enjoy higher interest rates
No monthly paper statement for greater privacy and financial security
Achieve your savings goals with greater confidence with the flexibility to choose if you would like to have an ATM card
24-Hour account access through OCBC Internet Banking and OCBC Phone Banking
Deposit cash with ease and convenience into your account using our new non-card deposit facility

Requirements

Female individuals aged 18 years old and above
Minimum initial deposit S$2,000 in fresh funds
Available as a single or a joint account

Apply Now

Visit any OCBC Bank branch today with your identity card and the minimum initial deposit to open the account. For non-Singaporeans, please bring your passport and employment pass/work permit.
Apply Online through OCBC Internet Banking
Apply Online if you do not have OCBC Internet Banking
Mail-in Application Form (see below for documents required)
Documents for Mail-in Application
- For Singaporean & PR: Copy of NRIC (front & back).
- For foreigners, copy of passport and employment pass/work permit
- If you do not have an existing OCBC deposit account, please submit any one of the following documents latest original document reflecting the same name and address indicated in the application form:
  1. Telephone bill generated by SingTel, M1 or Starhub; OR
  2. Any bank statement (savings, current, credit card or personal credit statement).

Fees

Service fee of S$2 if monthly average balance falls below S$1,000

Deposit Insurance Scheme

Singapore dollar deposits held by or for an individual or a charity in accounts listed in OCBC Bank's Insured Deposit Register (available at www.ocbc.com/policies) will be insured in accordance with and for up to the limits specified in the Deposit Insurance Act.

Notes

¹ Compared to interest rate in regular savings accounts at 0.125% p.a.
² With effect from 18 February 2010. The Bank reserves the right to vary the interest rate and/or qualifying balance tiers at any time without prior notice

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