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Plus! Savings Account

Gives you higher interest rates than other banks


  • Singaporeans, Singapore PRs, and foreigners
  • Plus! Savings Account comes with Plus! Visa Credit / Debit Card

Debit cards

  • Age 16 and above
  • No minimum income required

Credit cards

  • Age 21 and above
  • Minimum annual income of S$30,000 p.a.
  • Minimum annual income of S$45,000 p.a. for foreigners
  • Minimum annual income of S$15,000 p.a. if aged 55 years old and above

Fees & charges

Annual fee is S$107 a year for Plus! Visa Credit Card and S$24 a year for Plus! Visa Debit Card.

The interest rate for NTUC/OCBC Plus! Visa Credit Cards is 26.76% per annum. If we do not receive full payment by the due date, a minimum charge of $2.50 a month, calculated from the transaction date, will be billed to your account.

Learn how does Plus! Savings Account benefits me

How it works

Boost your savings with a deposit account that earns you interest, with absolutely no lock-in period and minimum balance requirement.

0.1% per year
0.15% per year
0.1% per year
First S$50,000 deposit
Next S$450,000 deposit
Above S$500,000 deposit(With effect from 1 September 2019)

How does the Plus! Savings Account interest rate work?

Plus! Savings Account interest rates:

Balances in Plus! Savings AccountBase Interest Rates
S$0 - S$50,0000.1% per year
S$50,001 - S$500,0000.15% per year
Above S$500,0000.1% per year (With effect from 1 September 2019)

Scenario 1: If customer has S$60,000, for the first S$50,000, he earns interest at 0.1% interest per year and for the next S$10,000, at 0.15% interest per year.

Scenario 2: If customer has S$600,000, for the first S$50,000, he earns interest at 0.1% interest per year and for the next S$450,000, at 0.15% interest per year. His remaining S$100,000 would earn an interest rate at 0.1% per year.

  • $0

    initial deposit

  • $0

    monthly service fee

  • 1200

    island-wide atms

Easy Way to Access and Manage Your Money


Savings Account linked to Plus! Visa Card

Your Plus! Visa Card is not only a credit / debit card, but also an ATM card to access your Plus! Savings 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 transaction fee

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.

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

online application

Get the Plus! Savings Account by applying for Plus! Visa Credit or Debit Card.

Note: Plus! Savings Account comes bundled with Plus! Visa Credit/Debit Card.

in-store application

Get the application form at OCBC branches.