OCBC 360¶
Baseline Sources and Facts¶
No official/secondary baseline facts imported yet.
| Field | Values |
|---|---|
| Programme type | bank_transfer, other |
| Source layers | inferred, official, user_reported |
| Currencies | cashback, interest |
Community-Learned Rules and Datapoints¶
Claim 16418 (risk: low)¶
The OCBC 360 Account is reducing its realistic interest rate from 2.45% to 1.95% p.a. effective 1 May 2026.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Programme | OCBC 360 |
| Programme type | other |
| Points currency | cashback |
| Miles / points | 1.95% p.a. |
| Devaluation risk | high |
| Last verified | 2026-06-04 |
| Last seen | 2026-06-04T13:00:15.520419+00:00 |
| Public/official layer | Interest rate structure revised downwards from 1 May 2026 |
| Caveat | This is the third interest rate cut for the account within a year. |
Claim 14465 (user verified, risk: low)¶
OCBC does not allow users to satisfy salary credit requirements by transferring funds to themselves from another bank account, unlike some other banks where selecting 'salary payment' as the transaction purpose works.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | OCBC 360 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last seen | 2026-06-01T03:03:36+00:00 |
| Observed result | OCBC cannot transfer salary to ownself |
| Caveat | OCBC specifically blocks self-transfers for salary credit verification |
Claim 8043 (risk: low)¶
OCBC 360 is better than UOB One for pure salary crediting without credit card spend, as UOB One requires card spend to unlock bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | inferred |
| Card | UOB One Card |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2026-04-02T14:57:41+00:00 |
| Last seen | 2026-04-02T14:57:41+00:00 |
| Public/official layer | UOB One account requires minimum card spend for bonus interest. |
Claim 8637 (risk: low)¶
OCBC 360 Account interest rates will be cut from 1 May 2026, with the maximum rate dropping from 5.45% to 4.45% p.a. on the first S$100,000.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Merchant | OCBC |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | high |
| Last verified | 2026-03-31T14:48:38+00:00 |
| Last seen | 2026-03-31T14:48:38+00:00 |
| Public/official layer | Max rate 4.45% p.a. on first S$100,000 from 1 May 2026 |
| Caveat | Requires hitting all 5 categories for max rate; realistic Salary+Save+Spend rate is 1.95% p.a. |
Claim 8620 (risk: low)¶
OCBC 360 Account maximum interest rate drops from 5.45% to 4.45% p.a. on the first S$100,000 effective 1 May 2026.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | high |
| Last verified | 2026-03-31T14:48:38+00:00 |
| Last seen | 2026-03-31T14:48:38+00:00 |
| Public/official layer | Max rate is 4.45% p.a. from 1 May 2026. |
| Caveat | Requires hitting all 5 categories to achieve the maximum rate. |
Claim 8610 (risk: low)¶
OCBC 360 Account maximum interest rate drops to 4.45% p.a. (1.95% for Salary + Save + Spend) effective 1 May 2026.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Merchant | OCBC |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2026-03-31T14:48:38+00:00 |
| Last seen | 2026-03-31T14:48:38+00:00 |
| Public/official layer | OCBC 360 Account rate cut from 1 May 2026. Max rate drops from 5.45% to 4.45% p.a. on first S$100,000. |
| Caveat | Requires hitting all 5 categories for max rate; balance cap is S$100,000. |
Claim 8668 (risk: low)¶
OCBC 360 account is reducing its interest rates starting 1 May 2026, dropping to 1.9% p.a. without insurance/investment components, and a realistic maximum of 3.2% p.a.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | official |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | high |
| Last verified | 2026-03-31T11:01:57+00:00 |
| Last seen | 2026-03-31T11:01:57+00:00 |
| Public/official layer | OCBC 360 interest rates revised downwards effective 1 May 2026. |
Claim 8684 (risk: low)¶
OCBC 360 account interest rate (excluding insurance and investment categories) will drop to 1.9% effective 1 May 2026.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | high |
| Last verified | 2026-03-31T09:33:19+00:00 |
| Last seen | 2026-03-31T10:24:04+00:00 |
| Public/official layer | OCBC 360 interest rates are being revised downwards. |
| Caveat | Applies to base tiers without insurance and investment. |
Claim 15089 (user verified, risk: low)¶
CardUp transactions count towards the S$500 monthly credit card spend requirement to trigger the OCBC 360 Account bonus interest.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | CardUp |
| Card | OCBC 365 Card |
| Route | CardUp |
| Programme | OCBC 360 |
| Programme type | bank_transfer |
| Fees / surcharges | CardUp processing fee |
| Devaluation risk | low |
| Last verified | 2024-11-27 |
| Last seen | 2024-11-27T09:23:58+00:00 |
| Observed result | Users successfully use CardUp to fulfill the OCBC 360 spend requirement. |
| Public/official layer | OCBC 360 T&Cs allow CardUp spend to count towards the S$500 minimum spend. |
| Caveat | CardUp administrative fees apply to transactions. |
Claim 15580 (user verified, risk: low)¶
OCBC 360 does not recognize self-transfers from another bank account under the same name to satisfy the salary crediting (SAL) requirement.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | low |
| Last seen | 2024-11-26T03:03:47+00:00 |
| Observed result | Users confirmed self-transfer from another bank does not trigger the salary bonus interest |
| Public/official layer | Requires real salary credit via GIRO/FAST with purpose code SALA |
Claim 15550 (user verified, risk: low)¶
The OCBC 360 account Salary bonus interest category cannot be triggered by manual bank transfers from another personal account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | low |
| Last seen | 2024-11-26T03:03:47+00:00 |
| Observed result | Manual transfers from other personal bank accounts fail to trigger the salary bonus interest |
| Public/official layer | Requires salary credit of at least S$1,800 via GIRO/SALA |
| Caveat | Requires an actual corporate GIRO salary credit (SALA transaction code) |
Claim 15560 (user verified, risk: low)¶
OCBC 360 salary crediting bonus interest cannot be triggered by a self-transfer from another personal bank account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | OCBC 360 |
| Programme type | other |
| Points currency | interest |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T03:03:47+00:00 |
| Observed result | Users confirmed that simple self-transfer from another bank does not work for OCBC 360 salary interest. |
| Public/official layer | Salary must be credited via GIRO/FAST with purpose code SAL or SAB. |
| Caveat | Requires actual GIRO salary code (SAB/SAL) or Fast and Secure transfer with specific purpose codes. |
Claim 15557 (user verified, risk: low)¶
OCBC 360 account does not award the Salary crediting bonus interest if the funds are transferred via a standard self-transfer from another personal bank account.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | OCBC 360 |
| Programme type | other |
| Devaluation risk | low |
| Last verified | 2024-11-26 |
| Last seen | 2024-11-26T03:04:33+00:00 |
| Observed result | Self-transfer from another bank account fails to trigger the salary bonus interest. |
| Public/official layer | Salary must be credited via GIRO with transaction code 'SAL' or corporate PayNow. |
| Caveat | Requires actual corporate GIRO salary credit (SAL transaction code) or corporate PayNow. |
Claim 15720 (user verified, risk: low)¶
The salary credit requirement for the OCBC 360 account cannot be fulfilled using PayNow; it must be processed via corporate GIRO/FAST salary payment.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Merchant | OCBC |
| Programme | OCBC 360 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last seen | 2024-11-25T12:44:19+00:00 |
| Observed result | PayNow method does not work to fulfill the salary credit requirement. |
| Public/official layer | Salary must be credited via GIRO/FAST with transaction description containing SALARY or COMMISSION. |
| Caveat | Must be credited from a corporate entity with the appropriate transaction code |
Claim 17477 (user verified, risk: low)¶
OCBC 360 is more suitable than UOB One for parking savings without meeting a minimum card spend, as its interest criteria are stacked independently.
| Field | Value |
|---|---|
| Status | active |
| Confidence | high |
| Source layer | user_reported |
| Programme | OCBC 360 |
| Programme type | bank_transfer |
| Devaluation risk | low |
| Last verified | 2024-11-14 |
| Last seen | 2024-11-14T08:41:54+00:00 |
| Observed result | OCBC 360 is preferred for pure savings parking when card spend cannot be met |
| Public/official layer | UOB One requires S$500 monthly card spend + salary credit or 3 GIRO transactions. OCBC 360 awards interest incrementally based on individual categories met. |
| Caveat | UOB One requires a minimum card spend of S$500 to unlock bonus interest tiers |