OCBC 360 Account

Maximum interest rate of 4.1% p.a. and easy 3-in-1 rewards for managing all your finances with one savings account, OCBC is the easy favourite for one-stop banking anytime and everywhere!

    • Goal-Saving account
    • Account Statement
  • Min. Balance to MaintainMax. AmountInterest Rate
    RM20no maximum4.1% p.a.


What would make it different?

Online Banking
OCBC Online Banking
Mobile App
PIDM Protected
ATM Card

Fees & Charges

There are always fees but how much are they?

ATM Card Issuance Fee
MEPS Withdrawal Fee
HOUSe Withdrawal Fee
Inactive Account Fee
Early Closure Fee

*inclusive of 6% GST


Are you eligible for this account?

Minimum Age
18 years old
Minimum Initial Deposit
Min. Balance to Maintain

OCBC Branch Locator

Find the OCBC branch that's nearest to you now

Find me an OCBC branch now!

Frequently Asked Questions about OCBC 360 Account

Things you might want to know

What’s great about OCBC 360 Account?

Turn a 360° with your hard earned cash instead of watching your carefully planned savings gather dust in the bank. OCBC lets you manage all your personal finances under a single roof, and rewards you with high interest rates for saving with OCBC 360 Account – the only savings account of its kind around that also gives you instant online account opening and pre-registration.

How does OCBC 360 Account work?

Every wonder why your current bank doesn’t reward you for loyalty? OCBC can’t, which is why they’ll reward you with bonus interest just for performing your monthly banking transactions with your OCBC 360 Account:

  • 1.2% p.a. every month when you deposit a minimum of RM500 to OCBC 360 Account
  • 1.2% p.a. every month when you pay any 3 bills online from OCBC 360 Account
  • 1.2% p.a. every month when you spend minimum RM500 on your OCBC credit card(s)

Once you add the 0.5% interest base rate, you’ll earn 4.1% interest rate p.a. for saving with OCBC 360 Account each month. That’s a better rate than most Fixed Deposits in town! Enjoy this bonus interest rate up to RM100,000 on your average daily account balance. The bonus interest is credited by the 14th working days of the following month. 

Am I eligible to apply?

OCBC 360 Account is open to all Malaysians, permanent residents and non-residents who are 18 years old and above. For non-residents, OCBC may take your country of origin into consideration when applying.

How do I apply for OCBC 360 Account?

Applying is quick and easy. Just fill in your information at RinggitPlus.com and we’ll send you a confirmation email and an SMS. 

New customers

Visit the nearest OCBC Branch near you and open an OCBC 360 Account today. All you need is an initial deposit of RM200 to open an account. Remember to bring your NRIC or passport with you, and you’re all set!

Existing customers

If you have a current account or savings account with OCBC you can also open an OCBC 360 Account by following these three steps:

1. Login to OCBC Online Banking

2. Select "Savings" under the Open an account tab

3. Select " OCBC 360 Account"

Don't have an online account yet, no worries! Just go to OCBC Online Banking and register.

How safe is my money?

Don’t you worry! All deposits up to RM250,000 are covered by the Malaysian Deposit Insurance Corporation ( PIDM) for extra security. Keep a minimum of RM20 in your account at all times so it won’t get closed.

What are the requirements for the 1.2% p.a. Bonus Interest?

Each month you’ll earn a basic interest rate of 0.5% with your OCBC 360 Account. For performing any one or all three of the banking transactions below, you’ll get bonus interest based on the average daily account balance.

  1. Deposit at least RM500 to your OCBC 360 Account, for the following month you’ll have to deposit another RM500 to qualify again.
  2. Pay 3 bills online using your OCBC 360 account in the same month. Standing instructions for OCBC housing loans are also included.
  3. Charge a minimum of RM500 to your OCBC credit card. For joint accounts only charges to the credit card of the first names OCBC 360 Account holder will be considered.

Can you explain how the interest calculation works?

Each month, OCBC will credit your interest to your OCBC 360 Account to help you earn on your savings. But since you’ll make banking transactions throughout the month – withdrawals and deposits etc., how will the bank determine how much interest to pay you?

Introducing the concept of average daily account balance: Anisa who keeps RM10,000 for 29 days in the month November and deposits RM90,000 extra on the very last day won’t get interest based on the final RM100,000 at the end.

Rather the bank will calculate how much was in Anisa’s account on average:

Average daily account balance
= [29 X RM10,000 + 1 X RM100,000] / 30
= RM13000

If Anisa qualified for the special 4.1% interest rate p.a. she’ll earn RM44.42 interest for the month of November!

Read More