Grow your savings with every use of the OCBC Debit Card!

Now there is a smart way to save every time you spend. The OCBC SmartChange scheme is an innovative savings scheme that automatically saves when you charge your daily expenses to your OCBC Debit Card^. OCBC SmartChange rounds up your every OCBC Debit Card^ purchase to the nearest dollar and the difference or “Spare Change”, is saved into any OCBC account of your choice. At the same time, OCBC will match the amount of “Spare Change” accumulated within the month with a Bonus Reward! This means that the more you use your OCBC Debit Card^ for your daily purchases, the more you save!

Apply for your Debit Card with SmartChange through Mail-in now!

• If you are an existing OCBC Debit Card^ holder, SMU-OCBC Debit Card^ holder or OCBC-NTU Debit Card^ holder, click here for Mail-in application form for SmartChange.
• If you would like to apply for a new OCBC Debit Card with SmartChange, click here for your Mail-in application.
• Apply for new SMU-OCBC Debit Card or OCBC-NTU Debit Card with SmartChange, please proceed to any OCBC Branch.

How OCBC SmartChange works

Your Bonus Reward and Spare Change will be credited to your designated account under the SmartChange scheme. You may wish to apply for the Multisave Account, which is a statement savings account that is linked to the SmartChange scheme. There is no monthly fee and no minimum initial deposit requirement for this account.

You can even designate your existing OCBC Savings or Current Account, or even your child’s Savings Account to receive the SmartChange savings.

^The list of selected accounts to receive the spare change and Bonus Reward include:

*Terms and conditions apply

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.