Wealth Solutions

Deposits

Preserve your wealth with us and enjoy preferential rates.

We recognise that you have special saving needs. Whatever your savings goals, we will help you achieve them through our range of Premier deposit products.

Premier Account

An exclusive account for Premier Banking members that pays interest on balances while offering the flexibility of a current account.

Product Information Sheet

Premier Save Account

Unlike any typical savings account, the OCBC Premier Save Account offers attractive interest rates without locking up your funds, so you have full access to your money anytime.

You can now enjoy interest rates as high as 1-month Fixed Deposit board rates on balances above RM200,000.


•  No withdrawal penalty
•  No fixed tenure
•  Daily accrued interest
Above RM200,000
1-month KLIBOR
Fixing - Adjustment Rate^
Up to
RM200,000
1.00% p.a.
^ Adjustment rate is at the discretion of OCBC Bank and will be in the range of 0.04%p.a. to 0.40%p.a.

 

Product Information Sheet

Foreign Currency Account

Whether it's Australian, Kiwi, Singaporean, or American dollars, keep your savings in your preferred currency with our range of foreign currency products to suit your needs.

Product Information Sheet

Please click here for latest promotions.

Premier Save Account and Foreign Currency Account are insured by PIDM.

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Investments

Ways to effectively meet your investment goals

We have a comprehensive range of investment options that will suite your risk appetite. Speak to us about your financial needs and we will help you discover the best option to meet your investment goals.

Dual Currency Investment

On-going movements in currency market presents many investment opportunities. The currency-linked Dual Currency Investment allows you to capitalise on these opportunities to reap attractive returns.

Unit Trusts

Get access to a wider range of unit trusts from fund houses. With over 100 unit trusts available, whatever your desired portfolio mix or exposure, you can choose the right unit trust fund to meet your goals.

Retail Bonds

If you want fixed income investment, we offer or distribute bonds denominated in MYR or in foreign currency.

Structured Investments

Gain potential returns with structured investments that can be customised to suit your risk appetite. The Structured Investments can be a principal guaranteed or not a principal guaranteed investment with various underlying asset classes.

Dual Currency Investment, Unit Trust, Retail Bonds & Structured Investments are not insured by PIDM.
Unit Trust
  1. Please make your own independent evaluation of the suitability of the product and obtain advice from professional advisers including tax, accounting and legal matters. We will not be responsible for the consequences of your reliance upon any opinion or statement contained herein or for any omission.
  2. These unit trusts are not bank deposits and are not obligations of or guaranteed or insured by OCBC Bank and are subject to investment risk unless otherwise specified. The investment risk includes general risks and specific risks as described in the Information Memorandum/Prospectus for the unit trust.
  3. Past performance is not indicative of future performance; the net asset value can go up or down. Investors should also note that the net asset value per unit and distributions payable, if any, may go down as well as up.
  4. Where unit trust loan financing is available, investors are advised to read and understand the contents of the unit trust loan financing risk disclosure statement before deciding to borrow to purchase units.
  5. Where a unit split/distribution is declared, investors are advised that following the issue of additional units/distribution, the NAV per unit will be reduced from pre-unit split NAV/cum-distribution NAV to post-unit split NAV/ex-distribution NAV.
  6. Where a unit split is declared, investors should be highlighted of the fact that the value of their investment in Malaysian ringgit will remain unchanged after the distribution of the additional units.
  7. The Information Memorandum/Prospectuses have been registered with the Securities Commission Malaysia, which takes no responsibility for its content. A copy of the Information Memorandum/Prospectuses can be obtained at OCBC Banks' branches. Units will only be issued upon the receipt of application form referred to and accompanying the Information Memorandum/Prospectuses. Investors are advised to read and understand the contents of the Information Memorandum/Prospectuses, and if necessary consult their adviser(s), as well as consider the fees and charges involved before investing in the unit trusts. 
Structured Investment/Negotiable Instruments of Deposit
  1. Structured Investment or Negotiable Instruments of Depositare not traditional deposits, Structured Investment or Negotiable Instruments of Deposit has an investment element and returns may vary.
  2. You may receive significantly less than your investment amount if you withdraw your Structured Investment or Negotiable Instruments of Deposit before maturity.
  3. You will bear all early withdrawal costs and charges.
  4. If there is an early termination option, We have the right to terminate the Structured Investment and return an amount in cash to you from the due settlement of the Structured Investment before the maturity date.
  5. You should obtain and read the Product Highlight Sheet of the Structured Investment or Product Disclosure Sheet of Negotiable Instruments of Deposit carefully before you make a decision to acquire the product. All information provided in this document is general and does not take into account your individual objectives, financial situation or specific needs.
  6. You should read carefully and understand the terms and conditions and the risks associated with the Structured Investment or Negotiable Instruments of Deposit beforemaking a decision about the suitability of the product for you. You may also wish to obtain independent expert advice. You may request for a copy of the Product Disclosure Sheet/Product Highlight Sheet of the product at the OCBC Banks' branches.
Important Information
The information set out on our website is general in nature. It has been prepared without taking into account your objectives, financial situation or needs. You should consider its appropriateness having regard to your objectives, financial situations and needs.
WARNING
THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET/REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION. THIS STRUCTURED INVESTMENT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA. 
WARNING FOR RETAIL BOND INVESTMENTS
THE HOLDER OF THE NOTES IS ASSUMING THE CREDIT RISK OF THE ISSUER OF THE NOTES. IN THE EVENT OF WINDING-UP OR LIQUIDATION OF THE ISSUER OF THE NOTES OR IF YOU SELL THE NOTES PRIOR TO MATURITY, YOU MAY NOT GET BACK THE FACE VALUE OR NOMINAL AMOUNT OF THE NOTES. THE NOTES ARE NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
WARNING FOR NEGOTIABLE INSTRUMENTS OF DEPOSIT
THIS PRODUCT IS PRINCIPAL GUARANTEED BY THE ISSUING BANK UPON MATURITY ONLY. IF THE PRODUCT IS REDEEMED OR SOLD PRIOR TO MATURITY, THE CUSTOMER MAY LOSE PART OF THE INITIAL DEPOSIT AMOUNT. THE RETURNS ON THIS PRODUCT ARE UNCERTAIN AND THE CUSTOMER RISKS EARNING NO RETURNS AT ALL. THE CUSTOMER IS REMINDED THAT THIS PRODUCT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

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Insurance

Leave a legacy for your loved ones or get protected for the future

We offer a full range of flexible insurance solutions,so you and your loved ones can focus on living life to the fullest.

Universal Life for Legacy Planning

If preserving your wealth and leaving a legacy are some of your top priorities, consider our estate planning solutions for peace of mind. We have plans that are specially designed to meet your legacy planning needs. Our legacy planning solutions can help you:

  • Protect your loved ones' future without compromising your lifestyle
  • Distribute your wealth equally among your children
  • Protect your estate against market volatility

Click below to find out more about:
Premier Legacy Distribution
Premier Legacy Preservation

Endowment Plans

We have a wide range of endowment plans to help you meet your savings goals while ensuring protection

Medical Insurance

Take advantage of our comprehensive medical insurance with jumbo limits that increases with time

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Financing

Make the most of Premier Banking's financing solutions

Whether you are purchasing a new property, refinancing an existing loan, or even considering getting liquidity without selling your assets, our Premier Loan Specialists will guide you through your financing options, so you can be assured that every investment you make paves the way for the next.

Premier Housing Loan

Enjoy exclusive Premier privileges when you sign up for an OCBC Home Loan.

Overseas Property Financing (OPF)

Choose to take up our financing solution in Malaysian Ringgit (MYR), Great Britain Pound Sterling (GBP) or Australian Dollars (AUD), depending on your financial and cash flow requirements. This OPF is for Malaysian residents only

Click here to know more about Overseas Properties Financing (OPF).

Overdraft against your Shares or any of your Deposit, Investment or Insurance Products

  • Pledge your shares that are acceptable to us to obtain an overdraft of up to 50% of the prevailing market value of the shares.
  • Pledge your fixed deposit, investment, single premium endowment plan or unit trust to obtain an overdraft of up to 100% of the collateral's value.
  • Pledge your OCBC fixed deposit without withdrawing it to obtain an overdraft of up to two times its value.

Click here to know more about our Overdraft Facilities.

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Phone and Facsimile Banking

Enjoy the convenience of performing your daily banking transactions anywhere with phone and facsimile banking facilities that cater to your everyday banking needs.

Eligibility

You can become a Premier Banking customer with deposits and/or investments of

RM300,000

or more with us.


Premier Banking
Membership Terms
and Conditions
New


How to apply

Call 03 8315 4288

or visit any of our Premier Centres