OCBC 360 Account

Maximum savings up to 2.7% p.a. and easy 3-in-1 rewards for managing all your finances with one savings account, OCBC Bank is the favourite one-stop banking.

OCBC 360 Account
Interest Rate
0.05% to 2.7% p.a.
Account Type
Min. Deposit
Account Statement

Interest Rate

What you earn based on the amount that you have in your account

Min. AmountMax. AmountInterest Rate
No minimumRM100,0002.7% p.a.
No minimumNo maximum0.05% p.a.


What would make it different?

Online Banking
OCBC Online Banking
Mobile App
PIDM Protected
Up to RM250,000
ATM Card

Fees & Charges

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


Minimum Age
  • 18 years old
Minimum Initial Deposit
Who can apply
  • Malaysians
  • Foreigners

More Information

What’s great about OCBC 360 Account?

Spin a 360° with your hard-earned cash! OCBC Bank 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?

Ever wonder why your current bank doesn’t reward you for loyalty? 

OCBC Bank can’t, which is why they’ll reward you with bonus interest just for performing your monthly banking transactions with your OCBC 360 Account:

  • 0.90% p.a. every month when you deposit a minimum of RM500 to OCBC 360 Account
  • 0.90% p.a. every month when you pay any 3 bills online from OCBC 360 Account
  • 0.90% p.a. every month when you spend minimum RM500 on your OCBC credit card(s)

Once you add the 0.05% interest base rate, you’ll earn 2.75% interest rate 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 Bank 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 and we’ll send you a confirmation email and an SMS. 

New customers

Visit the nearest OCBC Bank branch near you and open an OCBC 360 Account today. Or schedule an appointment when OCBC Bank calls you within 3 workings days when you apply online.

All you need is an initial deposit of RM500 to open an account and qualify for our RinggitPlus gift. Remember to bring your NRIC with you (or passport if you're a foreigner) and you’re all set!

Existing customers

If you have a current account or savings account with OCBC Bank 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 0.90% p.a. Bonus Interest?

Each month you’ll earn a basic interest rate of 0.05% p.a. 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 Bank 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 of 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 qualifies for the special 2.75% p.a. interest rate, she'll earn RM35.75 interest for the month of November!

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product