OCBC has raised the Save bonus interest on its 360 Account, but only until 31 December 2026. From 1 August 2026, the Save category pays 0.50% to 1.10% a year in place of the flat 0.40% it paid before. What you have to do to earn it hasn’t changed: your average daily balance has to grow by at least S$500 over the previous month.
What The Save Bonus Pays Now
| Balance tier | Usual rate | 1 Aug – 31 Dec 2026 |
|---|---|---|
| First S$75,000 | 0.40% a year | 0.50% a year |
| Next S$25,000 | 0.40% a year | 1.10% a year |
| Effective rate on the first S$100,000 | 0.40% a year | 0.65% a year |
The bonus stops at your first S$100,000.
How You Qualify Each Month
The Save bonus is worked out one calendar month at a time, and the S$500 is measured on your average daily balance (ADB) for that month against the previous calendar month’s. There is no registration step. What you do need is a 360 Account that stays active and in good standing right through to when the bonus is paid, and that earns its base interest in the month you are claiming for.
It is the average across the whole month that counts, not the balance on the last day, so money you move in early in the month does more for you than the same amount moved in at the end.
The interest is calculated at the end of each calendar month and paid on the 7th business day of the month after. December is the last qualifying month, so that final payment arrives in January 2027.
What It Is Worth In Dollars
This is what the promotion adds in a qualifying month, at a few balances:
| Your average daily balance | Usual Save bonus | Save bonus, 1 Aug – 31 Dec 2026 | Extra that month |
|---|---|---|---|
| S$30,000 | S$10.00 | S$12.50 | S$2.50 |
| S$50,000 | S$16.67 | S$20.83 | S$4.17 |
| S$80,000 | S$26.67 | S$35.83 | S$9.17 |
| S$100,000 | S$33.33 | S$54.17 | S$20.83 |
These run on the annual rate divided by twelve. OCBC illustrates on a flat 31-day month, which comes out about 2% higher. Run it across all five qualifying months from August to December and an account at S$100,000 that clears the S$500 growth every month collects roughly S$104 more than it would have at the usual rate.
My Ultimate Savings Account Calculator
My savings account calculator has included the promotional Save rate, updated 6 August 2026, and it runs the 360 Account against 12 other Singapore savings accounts on the same set of inputs. Key in your own balance to see which bank account is good for you.
Don't Have An OCBC Account?
VHW8FDOS- Download OCBC Digital from App Store or Google Play
- Copy the referral code above and enter into the app when prompted
- Apply for 360 Account
Check the official terms before you rely on any figure above. Here are OCBC’s terms and conditions governing the 360 Account Save Bonus Promotion (August 2026).
💳 Credit cards change their T&Cs every so often and it’s difficult to stay updated. That’s why I created a Telegram Broadcast where you can receive timely bite-sized updates.
