OCBC 360 Interest Rates 2026Complete Guide to Maximize Your Returns
Learn how to earn up to 3.05% p.a. with OCBC 360 Account. Complete breakdown of all 6 bonus categories, optimization strategies, and step-by-step guide to maximum returns.
OCBC 360 Bonus Categories Explained
Salary Bonus
Credit salary ≥ S$1,800/month
S$70,000
Tip: Most basic requirement - just credit your salary
Spend Bonus
Spend ≥ S$500 on OCBC cards
S$70,000
Tip: Use OCBC credit/debit cards for daily expenses
Save Bonus
Increase account balance by S$500
S$70,000
Tip: Consistent monthly savings required
Insure Bonus
Pay insurance premiums via GIRO
S$70,000
Tip: Any insurance policy with GIRO auto-debit
Invest Bonus
Buy unit trusts/structured deposits
S$70,000
Tip: Minimum S$200 investment monthly
Grow Bonus
Increase total relationship balance
S$70,000
Tip: Complex calculation based on total portfolio
OCBC 360 Interest Rate Tiers
| Tier | Balance Range | Base Rate | Max Bonus Rate | Total Max Rate |
|---|---|---|---|---|
| Tier 1 | S$1 - S$70,000 | 0.05% | 3.00% | 3.05% |
| Tier 2 | S$70,001 - S$200,000 | 0.05% | 1.20% | 1.25% |
| Tier 3 | Above S$200,000 | 0.05% | 0.30% | 0.35% |
Important: The sweet spot is keeping your balance under S$70,000 to maximize returns. Above this amount, interest rates drop significantly on the excess balance.
Optimization Strategies by Profile
Young Professional (S$3,000 salary)
Required Bonuses:
- Salary Bonus (1.2%)
- Spend Bonus (0.3%)
- Save Bonus (0.3%)
Mid-Career (S$6,000 salary)
Required Bonuses:
- Salary (1.2%)
- Spend (0.3%)
- Save (0.3%)
- Insure (0.6%)
High Earner (S$10,000+ salary)
Required Bonuses:
- All 6 bonuses
Step-by-Step OCBC 360 Optimization
Month 1-2: Foundation Setup
- 1Open OCBC 360 Account online or at branch
- 2Set up salary crediting (≥S$1,800) for 1.2% bonus
- 3Apply for OCBC credit/debit card for spend bonus
- 4Set up GIRO for existing insurance policies
Month 3+: Optimization
- 5Spend S$500+ monthly on OCBC cards for 0.3% bonus
- 6Increase balance by S$500 monthly for save bonus
- 7Consider unit trusts for invest bonus (0.6%)
- 8Monitor monthly to ensure all bonuses earned
OCBC 360 vs Alternatives
| Account | Max Rate | Key Requirements | Complexity | Best For |
|---|---|---|---|---|
| OCBC 360 | 3.05% | Salary + 5 other bonuses | Very High | Maximizers willing to optimize |
| Trust Bank | 2.5% | Salary S$2,500 | Very Low | Simple, no multiple requirements |
| MariBank | 2.8% | Spend S$500 + salary | Low | Higher rate, digital convenience |
| DBS Multiplier | 2.5% | Salary + spend + loan/investment | High | Established bank, good integration |
Calculate Your OCBC 360 Returns
Use our interactive calculator to see exactly how much you can earn with different bonus combinations
Try OCBC 360 CalculatorFrequently Asked Questions
Is OCBC 360 worth the complexity?
For high earners who can easily meet 4+ requirements, yes. You can realistically earn 2.4-3.05% which beats most alternatives. However, if you prefer simplicity, Trust Bank (2.5%) or MariBank (2.8%) might be better options.
What happens if I miss a month's requirements?
You'll only earn the base rate (0.05%) for that month, plus any bonuses you did qualify for. The requirements reset each month, so you can get back on track the following month.
Should I keep all my money in OCBC 360?
Optimize up to S$70,000 in OCBC 360 for maximum returns. Beyond that, consider fixed deposits, other high-yield accounts, or investment products as the interest rate drops significantly.
Ready to Maximize Your OCBC 360 Returns?
Compare OCBC 360 with all other high-yield savings accounts in Singapore