NTUC-OCBC Starter Account

Gives you higher interest rates than other banks

Apply now and get FairPrice eVouchers.

Limited time offer for new OCBC Card Applicants (valid till 30 September 2021)

Get S$56 or S$20 worth of FairPrice eVouchers when you apply for the NTUC Plus! Visa Credit or Debit Card and make 3 transactions on your approved card.

Plus, apply together with the NTUC-OCBC Starter Account to getadditional S$56 worth of FairPrice eVouchers when you credit your monthly salary of at least S$1,000 into your NTUC-OCBC Starter Account by 31 October 2021.

Terms and Conditions Apply

How does the NTUC-OCBC Starter Account interest rate work?

Base interest rate

Account balancePrevailing rates (per year)
First S$50,0000.05%
Next S$450,0000.05%
Above S$500,0000.05%

Bonus interest rate

(with minimum salary crediting amount of S$1,000 per month via GIRO and at least 3 transactions on your NTUC Plus! Visa Credit/Debit Card monthly)

Account balancePrevailing rates (per year)
First S$50,0000.20%


Initial deposit


monthly service fee


island-wide ATMs

Easy Way to Access and Manage Your Money

Savings Account linked to NTUC Plus! Visa Card

Your NTUC Plus! Visa Card is not only a credit / debit card, but also an ATM card to access your NTUC-OCBC Starter Account.

Daily Banking Convenience

1,200 ATMs at convenient locations

At MRT stations, FairPrice outlets, Caltex stations and all major shopping malls.

Find nearest ATMs

Make deposits

Deposit your cash at any OCBC ATM PLUS at FairPrice outlets, OCBC Cash Deposit Machine or OCBC branch (subject to over-the-counter transaction fees), or drop your cheque at any OCBC Quick Cheque Deposit Box.

Cheque book

SGD cheque books are available on request at S$10 per cheque book. Fill up the cheque book request form and mail it to us, or call 6781 7090 (press 2).

Withdraw cash overseas

Access cash overseas at ATMs with the Visa / PLUS logo, or at OCBC ATMs in Malaysia and Indonesia.

View Transactions

Online and Mobile Banking

Track your money

Bank anytime, anywhere with OCBC Online Banking, OCBC Mobile Banking and Plus! Phone Banking.

Easy payments and transfers

Pay any bank's credit card bills online, transfer money locally and to overseas accounts.

Electronic statements

Choose to receive paper or electronic monthly statements.

Online security guarantee

We guarantee a full refund of any money lost due to online banking fraud.

Track your spending by category

Your spending is automatically sorted by category so you know exactly where your money is going with Money Insights

Important Notes

Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Monies and deposits denominated in Singapore dollars under the CPF Investment Scheme and CPF Retirement Sum Scheme are aggregated and separately insured up to S$75,000 for each depositor per Scheme member. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

How to Apply

Get the NTUC-OCBC Starter Account by applying for NTUC Plus! Visa Credit or Debit Card.

Note: NTUC-OCBC Starter Account comes bundled with NTUC Plus! Visa Credit/Debit Card.