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Notice under Section 7 of the Personal Data Protection Act 2010 (“PDPA”) to Customers of OCBC Bank (Malaysia) Berhad and OCBC Al-Amin Bank Berhad

Under the PDPA, there are various requirements that regulate the processing of: -

  1. your personal data (if you are an individual);

  2. the personal data of your directors, shareholders, managers and officers (if you are a company);

  3. the personal data of your partners, managers and officers (if you are a partnership);

  4. the personal data of your office bearers (if you are a society, club or unincorporated body); and

  5. where relevant, the personal data of the individual guarantor(s) or third party security provider(s) for facility(ies) granted to you and your joint applicant/borrower.

(collectively “the Individuals”).

Our Privacy Policy, which is posted in our website and is also available upon request at all our branches, informs the Individuals of their rights under the PDPA, including actions they may take to exercise such rights and its consequences. In particular, our Privacy Policy informs the Individuals of the following: -

  1. that we collect their personal data directly from you and third party sources;

  2. purpose for which their personal data is collected;

  3. their right to access and correct their personal data;

  4. the class of third parties to whom we may disclose their personal data;

  5. the choices and means they have to limit the processing of their personal data;

  6. whether the personal data requested is obligatory or voluntary, and if obligatory, the consequences for not providing such data;

  7. to update their personal data as soon as there are changes; and

  8. our contact details if they wish to make inquiries or give feedback.

Please extend a copy of this notice to each of the Individuals.

Please call our Contact Centre officers at no: 03-8317 5000 if further clarification is required.

Bahasa Malaysia

Notis Di Bawah Seksyen 7 Akta Perlindungan Data Peribadi 2010 (“APDP”) kepada Pelanggan OCBC Bank (Malaysia) Berhad dan OCBC Al-Amin Bank Berhad

Pelanggan Yang Dihormati,

Di bawah APDP , terdapat pelbagai syarat yang mengawal pemprosesan :-

  1. data peribadi anda (jika anda seorang individu );

  2. data peribadi pengarah, pemegang saham, pengurus dan pegawai anda (jika anda adalah syarikat);

  3. data peribadi rakan kongsi , pengurus dan pegawai anda ( jika anda adalah firma perkongsian);

  4. data peribadi jawatankuasa anda (jika anda adalah persatuan, kelab atau badan tidak berdaftar); dan

  5. jika berkaitan, data peribadi setiap penjamin individu atau pihak yang menyediakan sekuriti untuk pinjaman yang diberikan kepada anda dan pemohon/ peminjam bersama anda.

(secara kolektif “Individu”).

Polisi Privasi kami, yang dipaparkan dalam laman sesawang dan juga boleh didapati di semua cawangan kami apabila diminta, yang memberitahu individu akan hak-hak mereka di bawah PDPA , termasuk tindakan yang boleh diambil untuk melaksanakan hak-hak itu dan akibatnya. Secara khususnya, Polisi Privasi kami memaklumkan Individu seperti berikut:-

  1. bahawa kami mengumpul data peribadi secara terus daripada anda dan sumber-sumber pihak ketiga;

  2. tujuan pengumpulan data peribadi anda;

  3. hak mereka untuk mengakses dan mengemaskini data peribadi mereka;

  4. kelas pihak ketiga yang kami boleh mendedahkan data peribadi mereka;

  5. pilihan dan cara mereka perlu menghadkan pemprosesan data peribadi mereka;

  6. sama ada data peribadi yang diminta adalah wajib atau sukarela, dan sekiranya wajib, akibat-akibatnya jika tidak memberikan data peribadi itu;

  7. untuk mengemaskinikan data peribadi mereka sebaik sahaja berlaku sebarang perubahan; dan

  8. cara untuk menghubungi kami jika mereka ingin membuat sebarang pertanyaan atau memberi maklum balas.

Sila berikan salinan notis ini kepada setiap Individu.

Sila hubungi Pegawai Perkhidmatan Pelanggan kami di no. talian : 03-8317 5000 sekiranya anda memerlukan penjelasan lanjut.



OCBC Al-Amin 银行有限公司客户有关2010年个人资料保护法第7条之声明的通告


  1. 您的个人资料(如果您是个人);

  2. 您的董事,股东,经理及高级职员的个人资料(如果是公司);

  3. 您的合作伙伴,经理及高级职员的个人资料(如果是合伙企业);

  4. 您的执委个人资料(如果是社会,俱乐部或非公司团体),以及

  5. 如有关个人担保人或第三方抵押提供者的个人资料用于提供抵押阁下与联名申请人/借贷者。

( 统称为“个人”)。


  1. 我们可直接从您和第三方来源收集个人资料;

  2. 收集他们的个人资料的目的;

  3. 他们的权利查阅及改正他们的个人资料;

  4. 我们可披露他们的个人资料于第三方;

  5. 他们的个人资料限制处理的选择及与方式;

  6. 个人资料收集是否属于强制性或自愿性,若属强制性,其不提供资料的后果;

  7. 在有更正的情况下尽快更新他们的个人资料;

  8. 我们的联络资料若他们希望作出查询或提出意见。


欲知详情,请拨 03-8317 5000 联络我们的客户中心。


Read in Bahasa Malaysia 

This Privacy Policy informs you about the Bank’s policy and practices on data privacy matters which you may be concerned with, before you provide your personal data to the Bank.

In this Privacy Policy, we will tell you:

  • the source of your personal data;
  • what personal data is collected;
  • what are the purposes for which the Bank uses your personal data;
  • whom your personal data may be disclosed to;
  • what are your rights over your personal data;
  • how secure is your personal data;
  • how long does the Bank keep your personal data; and
  • how to contact the Bank.


We collect most personal data directly from you. For example, when you open an account or apply for a credit card from our Bank, you will fill up an application form with your personal data. If you intend to render services or supply goods to our Bank, we may also provide forms where your personal data or that of your directors, shareholders will be collected. We may also verify or source personal information about you from third party sources (both public and private) such as credit reporting agencies, Companies Commission, Insolvency Department, and Bank Negara Malaysia.


Generally, basic personal data such as your name, identity card or passport number, nationality, residential and business addresses and contact numbers will be collected. Specific personal data may be required and collected from you or third party sources for certain dealings, transactions or activities and for risk/fraud management.

Examples of personal data collected.

  • When you apply for credit/financing facilities with the Bank or stand as guarantor for facilities applied by your company or others, personal data relating to your credit history and income, your employment or business or professional practice, your ownership of properties or other assets will be collected. The Bank may also collect or seek verification of your data with third party and public sources.

  • When you apply for an insurance/takaful product distributed by the Bank, personal data relating to your personal health and medical history (including the medical histories of your immediate family members) will be collected.

  • When you offer to provide goods and/or services to the Bank, personal data relating to your qualifications, experience and expertise will be collected. The Bank may also collect or seek verification of your data with the appropriate professional body and public sources.

  • When you apply for a job with the Bank, personal data relating to your qualifications, employment history, your knowledge, experience and expertise will be collected.

  • Where you are a director, manager, company secretary or shareholder of a company which has or intends to have any dealings, transactions or activities (including those listed in this Privacy Policy), personal data relating to your directorship, or position as manager, company secretary, or shareholding in the company will be collected.

Third party sources from whom the Bank may either collect or seek verification of your personal data.

  • Your employer in relation to your income.

  • Credit bureaus or agencies which provide credit or other information.

  • Public bodies (such as the Companies Commission of Malaysia, National Registration Department, Director General of Insolvency, Registrar of Business, land office, Bank Negara Malaysia etc.).

If the personal data is necessary to initiate any matter with the Bank, and you refuse to provide the personal data to the Bank, then the Bank will not be able to proceed further with your matter.

Sensitive personal data, as defined by law, is any personal data consisting of information as to the physical or mental health or condition, political opinions, religious beliefs or other beliefs of a similar nature, the commission or alleged commission of any offence. If sensitive personal data is collected, the purpose for collecting the data will be explained to you. An example is seen above, in relation to the purchase of an insurance product.


The Bank only collects and processes such of your personal data that is necessary to perform its functions and activities. The Bank collects, processes and retains your personal data for purposes which include:

  • to assist in providing information about a product or service;

  • to consider your request for a product or service;

  • to enable the Bank to provide a product or service;

  • to tell you about products and services that may be of interest to you;

  • to assist in arrangements with other organisations (such as an insurance company), both within or outside Malaysia, in relation to the promotion and provision of a product or service;

  • to perform other administrative and operational tasks (including risk management, systems development, credit scoring, staff training, market or customer survey, service improvement and product development);

  • to handle enquiries, audit, complaints or legal proceedings;

  • to prevent or investigate any fraud or crime or a suspected fraud or crime; and as required by the relevant laws and regulations.


As we have outsourced some of our functions and activities to service providers with the approval of our regulator, we will provide your personal data to these service providers for them to perform these functions. These functions include data processing, call centre, custodian services, mailing services, data storage and credit administration. Their usage of your personal data is limited only for the purpose of performing the outsourced functions and subject to strict confidentiality and data security standards that we have imposed.
As part of the OCBC Group of Companies, with our Head Office/parent company in Singapore, various aspects of our operations are reported to or accessible by our Head Office and the regulatory authorities of Singapore. The information in such reports may include your personal data. The OCBC Group policy on risk management and regulatory compliance and quality service improvement may also require certain aspects of your personal data to be disclosed to our Head Office and its regulators for such purpose.

There are also various group synergies that an OCBC Group Company may leverage on for efficiency and cost effectiveness for example, processing of certain transactions may be undertaken on Group basis outside Malaysia to achieve critical mass and economies of scale. In doing so, we may have to share your personal data with the OCBC Group Company which performs the function. Regulatory approvals would be obtained or have been obtained before any such arrangements are undertaken. Strict data security standards are applied in ensuring data security and confidentiality.

When you apply for credit / financing facility, your, the security providers’ and guarantors’ data will be disclosed to Bank Negara Malaysia which may disclose the credit information in relation to the facility to other financial institutions, credit reporting agency(ies) and other persons as stipulated under Section 47(2) of the Central Bank of Malaysia Act 2009 (“CBA”) and for other financial institutions, credit reporting agency(ies) and such other persons as Bank Negara Malaysia thinks fit or deems necessary to access and use the credit information for purposes stipulated in Section 47(2) of CBA and for other purposes as Bank Negara Malaysia thinks fit, which may include but is not limited to, assessing the creditworthiness of existing and potential customers, providing credit reporting or credit assessment services, providing electronic Know-Your-Customer (e-KYC) solutions and providing financial advisory services.

The classes of persons to whom we may need to disclose your personal data.

  • The Bank’s data processors or service providers, within and outside Malaysia, engaged with our regulator’s approval, to carry out certain functions and activities of the Bank.

  • The Bank’s related and associated companies, within and outside Malaysia, their assignees or potential assignees, acquirers or potential acquirers and successors-in-title.

  • The organisations, both within and outside Malaysia, which have arrangement or alliance with the Bank, for the purpose of promoting or using these organisations’ products and services (and any agents used by these organisations in administering such arrangement or alliance).

  • Regulatory bodies, government agencies, tax authorities, the police, law enforcement bodies and courts, both within and outside Malaysia including pursuant to the Foreign Account Tax Compliance Act of the United States.

  • Other banks or financial institutions, both within or outside Malaysia.

  • Credit bureaus, credit reporting agencies and corporations set up for the purposes of collecting and providing credit information.

  • Your referees and persons who introduce you to the Bank.

  • Mortgage insurers / takaful operators and any reinsurers / re-takaful operators of any such mortgage insurers / takaful operators.

  • Your guarantors or intending guarantors, or the principal debtors for whom you stand or intend to stand as a guarantor.

  • Third party financiers or stakeholders who have any interest in your dealings with the Bank.

  • Third parties who intend to settle your indebtedness or liabilities to the Bank.

  • Debt collection agents, lawyers, custodians and nominee companies.

  • Your authorised agents, executor, administrator or legal representative.

  • The Bank’s assignees or potential assignees, acquirers or potential acquirers and successors-in-title.

  • Such persons or bodies including secondees from OCBC Group Companies to the Bank, to whom the Bank is legally required or permitted to disclose.


Generally the personal data that we request from you is necessary to perform our Bank’s functions and activities in relation to the purpose for which your data is collected. If you refuse to provide the data or wish to limit the personal data you disclose, we may not be able to proceed further with your matter.

You may stop us from processing your personal data generally or for specified purposes or in a specified manner so that the processing does not cause unwarranted and substantial damage or distress to you or another person. However the extent in which our Bank can comply with your request without affecting our mutual rights and obligations in relation to the transaction, depend on the stage of the transaction. If such rights or obligations are impacted for example, the transaction is being managed by our collection team, we will not be able to stop processing your personal data.


The Bank ensures that the processing of your personal data is carried out in a secure environment to prevent loss, unlawful disclosure and misuse of your personal data:

  • your personal data is only processed by authorised personnel;

  • the Bank’s data processors (within or outside Malaysia) undergo stringent evaluation and audits to ensure they maintain a secure environment;

  • the Bank and its data processors maintain physical security such as locks and security systems over personal data kept in paper and electronic data stores and premises; and

  • the Bank and its data processors also maintain computer and network security such as anti-virus programs, usage of passwords and encryption codes;

  • the Bank also maintains and monitors its online security systems to ensure your personal data is appropriately protected. Please refer to our Security Policy on the Bank’s website.


The Bank will keep your personal data for the duration of time to carry out the purpose for which your personal data was collected and also for the other purposes set out in this Privacy Policy, including to handle enquiries, audit, complaints or legal proceedings and introduce products or services sold or distributed by the Bank. We will also abide by legal, tax and other regulatory and industry requirements/guidelines for keeping records including our retention of record policy.


We will attempt to keep customer records complete, accurate and up-to-date. If you have any reason to believe that your records with us are inaccurate, incomplete or not updated, please write in to us, upon which we will promptly rectify. Alternatively, you can call us at +603 8317 5000 (Personal Banking) or +603 8317 5200 (Business Banking), or access the “Locate” button on our website.

You may address any queries, concerns or complaints relating to handling of your personal information by accessing the “Help and Support” button on our website.

Changes may happen from time to time be made to this Privacy Policy. We will post notice of material changes on the Bank’s website. Please re-visit this Privacy Policy from time to time to learn of any such changes.


Dasar Privasi ini menerangkan kepada anda berkenaan dasar dan amalan Bank tentang privasi data yang berkenaan dengan anda, sebelum anda memberikan data peribadi anda kepada Bank.

Dalam Dasar Privasi ini, kami akan memberitahu anda:

  • sumber data peribadi anda;

  • data peribadi seperti mana yang dikumpulkan;

  • apakah tujuan Bank menggunakan data peribadi anda;

  • kepada siapa data peribadi anda boleh didedahkan;

  • apakah hak anda ke atas data peribadi anda;

  • sejauh mana tahap keselamatan data peribadi anda;

  • berapa lama Bank akan menyimpan data peribadi anda;

  • bagaimana untuk menghubungi Bank.


Kami mengumpul kebanyakan data peribadi secara terus daripada anda. Sebagai contoh apabila anda membuka akaun atau memohon kad kredit daripada Bank, anda akan mengisi borang permohonan dengan data peribadi anda. Jika anda berhasrat untuk memberi perkhidmatan atau membekalkan barang kepada Bank, kami juga mungkin akan menyediakan borang di mana data peribadi anda atau pengarah, pemegang saham anda akan dikumpulkan. Kami juga boleh mengesahkan atau mendapatkan sumber maklumat peribadi berkenaan anda dari sumber pihak ketiga (awam dan swasta) seperti agensi laporan kredit, Suruhanjaya Syarikat dan Jabatan Insolvensi.


Secara amnya, data peribadi asas seperti nama anda, nombor kad pengenalan atau pasport, kewarganegaraan, alamat kediaman dan perniagaan serta nombor untuk dihubungi akan dikumpul. Data peribadi khusus mungkin dikehendaki dan diambil daripada anda atau sumber pihak ketiga untuk urusan, urusniaga atau aktiviti tertentu dan bagi pengurusan risiko/penipuan.

Berikut adalah beberapa contoh: -

  • apabila anda memohon kemudahan kredit dengan Bank atau menjadi penjamin untuk kemudahan kredit yang dipohon oleh syarikat anda atau syarikat lain, data peribadi yang berkaitan dengan sejarah kredit dan pendapatan anda, pekerjaan atau perniagaan atau amalan professional anda, pemilikan hartanah atau aset lain akan dikumpulkan. Bank juga boleh mengumpul atau mendapatkan pengesahan data anda daripada pihak ketiga dan sumber awam;

  • apabila anda memohon untuk produk insurans yang ditawarkan oleh Bank, data peribadi yang berhubungan dengan kesihatan peribadi anda dan sejarah perubatan (termasuk sejarah perubatan ahli keluarga terdekat anda) boleh dikumpulkan;

  • apabila anda menawarkan untuk menyediakan barangan dan/atau perkhidmatan kepada Bank, data peribadi yang berkaitan dengan kelayakan, pengalaman dan kepakaran anda akan dikumpulkan. Bank juga boleh mengumpul atau mendapatkan pengesahan data anda dengan badan profesional yang berkenaan dan sumber awam;

  • apabila anda memohon pekerjaan dengan Bank, data peribadi yang berkaitan dengan kelayakan, sejarah pekerjaan, pengetahuan, pengalaman dan kepakaran anda akan dikumpul;

  • di mana anda adalah seorang pengarah, pengurus, setiausaha syarikat atau pemegang saham syarikat yang mempunyai atau bercadang untuk mempunyai apa-apa urusan, urusniaga atau aktiviti (termasuk yang disenaraikan di atas), data peribadi yang berkaitan dengan pengarah atau jawatan sebagai pengurus, setiausaha syarikat, atau pegangan saham dalam syarikat itu akan dikumpulkan.

Sumber pihak ketiga yang daripadanya Bank sama ada boleh
mengumpul atau mendapatkan pengesahan data peribadi anda,
adalah seperti yang berikut: -

  • majikan anda berhubung dengan pendapatan anda;

  • kredit biro atau agensi yang menyediakan maklumat kredit atau maklumat lain;dan

  • badan-badan awam (seperti Suruhanjaya Syarikat Malaysia, Jabatan Pendaftaran Negara, Ketua Pengarah Insolvensi, Pendaftar Perniagaan, pejabat tanah dan lain-lain)

Jika data peribadi diperlukan untuk memulakan apa-apa perkara dengan Bank, dan anda enggan memberikan maklumat peribadi tersebut kepada Bank, Bank tidak akan dapat untuk meneruskan perkara tersebut.

Data peribadi sensitif, seperti yang ditakrifkan oleh undang-undang, adalah apa-apa data peribadi yang terdiri daripada maklumat berkenaan kesihatan fizikal atau mental atau keadaannya, pendapat politik, kepercayaan agama atau kepercayaan lain berbentuk serupa dan melakukan atau dituduh melakukan apa-apa kesalahan. Jika data peribadi sensitif dikumpul, tujuan pengumpulan data akan diterangkan kepada anda. Seperti contoh di atas, berhubung dengan pembelian produk insurans.


Bank hanya mengumpul dan memproses data peribadi yang diperlukan untuk melaksanakan fungsi dan aktivitinya. Bank mengumpul, memproses dan menyimpan data peribadi anda untuk tujuan yang merangkumi: –

  • untuk membantu dalam menyediakan maklumat tentang sesuatu produk atau perkhidmatan;

  • untuk mempertimbangkan permintaan anda bagi produk atau perkhidmatan;

  • untuk membolehkan Bank menyediakan produk atau perkhidmatan;

  • untuk memaklumkan mengenai produk dan perkhidmatan yang mungkin menarik minat anda;

  • untuk membantu dalam perancangan dengan organisasi lain (seperti syarikat insurans), sama ada di dalam atau di luar Malaysia, berhubung dengan promosi dan penyediaan produk atau perkhidmatan;

  • untuk melaksanakan tugasan pentadbiran dan operasi (termasuk pengurusan risiko, pembangunan sistem, pemarkahan kredit, latihan kakitangan, pasaran atau tinjauan pelanggan, peningkatan perkhidmatan dan pembangunan produk);

  • untuk mengendalikan pertanyaan, audit, aduan atau prosiding undang-undang;

  • untuk mencegah atau menyiasat sebarang penipuan atau jenayah atau penipuan atau jenayah yang disyaki;

  • seperti yang dikehendaki oleh undang-undang dan peraturan yang berkaitan.


Oleh kerana kami telah mengambil khidmat luar bagi sesetengah fungsi dan aktiviti kami daripada pembekal perkhidmatan dengan kelulusan pihak berkuasa, kami akan membekalkan data peribadi anda kepada pembekal perkhidmatan ini bagi mereka melaksanakan fungsi-fungsi ini. Fungsi-fungsi ini termasuk pemprosesan data, pusat perhubungan, perkhidmatan penjagaan, perkhidmatan mel, simpanan data dan pentadbiran kredit. Penggunaan data peribadi anda oleh mereka ini adalah terhad hanya bagi tujuan melaksanakan fungsi khidmat luar dan tertakluk kepada kerahsiaan yang ketat dan pematuhan kepada tahap keselamatan data yang telah kami kenakan.

Sebagai sebahagian daripada Kumpulan Syarikat OCBC, dengan Ibu Pejabat kami/syarikat induk di Singapura, pelbagai aspek operasi kami dilaporkan atau boleh diakses oleh Ibu Pejabat kami dan pihak berkuasa di Singapura. Maklumat dalam laporan itu mungkin termasuk data peribadi anda. Dasar Kumpulan OCBC berkenaan pengurusan risiko dan pematuhan peraturan dan peningkatan kualiti perkhidmatan juga mungkin memerlukan aspek-aspek tertentu data peribadi anda untuk didedahkan kepada Ibu Pejabat kami dan pihak berkuasa bagi tujuan itu.

Terdapat juga pelbagai sinergi kumpulan di mana Kumpulan OCBC mungkin menggunapakai dari segi kecekapan dan keberkesanan kos sebagai contoh, pemprosesan urus niaga tertentu boleh dijalankan pada asas Kumpulan di luar Malaysia untuk mencapai kelompok kritikal dan ekonomi bidangan. Dalam berbuat demikian, kami mungkin perlu untuk berkongsi data peribadi anda dengan Kumpulan Syarikat OCBC berkenaan yang menjalankan fungsi tersebut. Kelulusan pihak berkuasa akan diperolehi atau telah diperolehi sebelum sebarang urusan itu dijalankan. Tahap keselamatan data yang ketat diguna pakai dalam memastikan keselamatan data dan kerahsiaan.

Ini adalah kelas pihak yang mana kami mungkin perlu untuk dedahkan data peribadi anda: -

  • data pemproses atau pembekal perkhidmatan Bank, di dalam dan di luar Malaysia yang terlibat dengan kelulusan pihak berkuasa kami, untuk menjalankan fungsi-fungsi tertentu dan aktiviti-aktiviti Bank;

  • syarikat yang berkaitan dan bersekutu dengan Bank, di dalam dan di luar Malaysia, penyerahhak mereka atau penyerahhak yang berpotensi, pemeroleh atau pemeroleh yang berpontensi dan pengganti hak milik;

  • organisasi, di dalam dan di luar Malaysia, yang mempunyai perancangan atau perikatan dengan Bank, bagi tujuan mempromosi atau menggunakan produk dan perkhidmatan organisasi-organisasi ini (dan mana-mana ejen yang digunakan oleh organisasi ini dalam mentadbirkan perancangan atau perikatan);

  • badan-badan kawalan selia, agensi kerajaan, pihak berkuasa cukai , pihak polis, badan-badan penguat kuasa undang-undang dan mahkamah, kedua-dua di dalam dan di luar Malaysia termasuk Akta Akaun Luar Pematuhan Cukai Amerika Syarikat;

  • bank atau institusi kewangan lain, sama ada di dalam atau di luar Malaysia;

  • biro kredit, agensi laporan kredit dan organisasi-organisasi yang ditubuhkan bagi tujuan mengumpul dan menyediakan maklumat kredit;

  • pengadil anda dan orang yang memperkenalkan anda kepada Bank;

  • penginsurans gadai janji dan mana-mana syarikat insurans semula bagi syarikat insurans gadai janji;

  • penjamin anda atau orang yang bercadang menjadi penjamin, atau penghutang utama yang anda jamin atau berhasrat untuk berdiri sebagai penjamin;

  • pembiaya pihak ketiga atau pihak berkepentingan yang mempunyai apa-apa kepentingan dalam urusan anda dengan Bank;

  • pihak ketiga yang bercadang untuk menyelesaikan hutang atau liabiliti anda terhadap Bank;

  • agen pengutip hutang, peguam, syarikat penjaga dan penama;

  • ejen anda yang sah, wasi, pentadbir atau wakil di sisi undang-undang;

  • penyerahhak Bank, pembeli, penyerahhak yang berpotensi atau pembeli yang berpotensi dan pengganti dalam hak milik;

  • mana-mana orang atau badan termasuk petugas sementara dari Syarikat Kumpulan OCBC kepada Bank, dan di mana Bank dikehendaki atau dibenarkan oleh undang-undang untuk mendedahkan.


Secara umumnya data peribadi yang kami minta daripada anda adalah diperlukan untuk melaksanakan fungsi dan aktiviti Bank kami berhubung dengan tujuan data anda dikumpul. Jika anda enggan memberikan data atau ingin menghadkan pendedahan data peribadi anda, kami mungkin tidak mampu untuk meneruskan lagi dengan perkara anda.

Anda boleh menghalang kami daripada memproses data peribadi anda secara amnya atau bagi tujuan yang dinyatakan atau dalam cara yang dinyatakan supaya pemprosesan tidak menyebabkan ganti rugi yang tidak wajar dan besar atau kesusahan kepada anda atau orang lain. Walau bagaimanapun, setakat mana Bank kami dapat mematuhi permintaan anda tanpa menjejaskan hak dan obligasi berhubung dengan urus niaga bersama, bergantung kepada peringkat urus niaga tersebut. Jika apa-apa hak atau obligasi akan mempunyai kesan sebagai contoh, transaksi itu sedang diuruskan oleh pasukan pungutan kami, kami tidak akan mampu untuk menghentikan pemprosesan data peribadi anda.


Bank memastikan bahawa pemprosesan data peribadi anda dijalankan dalam persekitaran yang selamat untuk mencegah kehilangan, pendedahan yang menyalahi undang-undang dan penyalahgunaan data peribadi anda:

  • data peribadi anda hanya akan diproses oleh kakitangan yang dibenarkan;

  • data pemprosesan Bank (di dalam atau di luar Malaysia) menjalani penilaian yang ketat dan audit untuk memastikan mereka mengekalkan persekitaran yang selamat;

  • Bank dan pemproses data mengekalkan keselamatan fizikal seperti manga berkunci dan sistem keselamatan ke atas data peribadi yang disimpan dalam kertas dan pangkalan data elektronik dan premis;

  • Bank dan pemproses data juga mengekalkan keselamatan komputer dan rangkaian seperti kawalan akses (ID & kata laluan, kata laluan-satu masa), acara keselamatan & pemantauan amaran, perlindungan antivirus, pengesanan pencerobohan & pencegahan dan penyulitan untuk perlindungan data; dan

  • Bank juga menyenggara dan memantau sistem keselamatan dalam talian untuk memastikan data peribadi anda dilindungi sewajarnya. Sila rujuk kepada Dasar Sekuriti Bank (Security Policy) di laman web Bank.


Bank akan menyimpan data peribadi anda bagi tempoh masa untuk menjalankan tujuan yang mana data peribadi anda dikumpulkan dan juga untuk tujuan lain yang dinyatakan dalam Dasar Privasi ini, termasuk untuk mengendalikan pertanyaan, audit, aduan atau prosiding undang-undang dan memperkenalkan produk atau perkhidmatan yang dijual atau diedarkan oleh Bank. Kami juga akan mematuhi peraturan undang-undang, cukai dan keperluan/garis panduan pihak berkuasa dan industri untuk menyimpan rekod termasuk pengekalan polisi rekod.


Kami akan pastikan bahawa rekod pelanggan adalah lengkap, tepat dan terkini. Sekiranya tuan berpendapat bahawa rekod-rekod tuan adalah tidak lengkap, tidak tepat dan tidak terkini, sila kemukakan respon kepada kami, kami akan perbetulkan dengan kadar segera. Tuan juga boleh menghubungi kami ditalian 03 8317 5000 (Perbankan Peribadi)/ 03 8317 5200 (Perbankan Perniagaan) atau akses “Locate Us” Melalui laman web rasmi kami.

Sebarang pertanyaan, isu atau aduan berkenaan Dasar Privasi, tuan boleh mengakses “Help & Support” melalui laman web rasmi kami.


Perubahan dari semasa ke semasa mungkin akan dibuat kepada Dasar Privasi ini. Kami akan menyiarkan notis perubahan ketara ke atas laman web rasmi Bank. Sila lawati semula Dasar Privasi ini dari semasa ke semasa untuk mengambil maklum terhadap sebarang perubahan.




We are strongly committed to protecting the security, integrity and confidentiality of your personal or private information. We have put in place stringent security and control measures to prevent unauthorised access which could result in the alteration, destruction, theft of data or compromise the confidentiality of our customer’s data.

Our site utilises commercially proven security hardware and software products in our system, network and application infrastructure. These include routers, firewalls, intrusion prevention/ detection system and secure operating systems. Industry standard 128-bit SSL (secure socket layer) communication protocol is the de facto cryptographic standard that is used for securing data communication between the client browser and OCBC systems. It is used for ensuring transaction privacy, message integrity and server-side authentication using digital certificate technology. Over and above SSL, all passwords are encrypted end-to-end from the client browser to OCBC systems.

At OCBC, all connections must pass through at least one router and one firewall to gain connectivity to the server. The firewall checks for the appropriate source address, and restricts the traffic to the appropriate servers. Penetration test and application vulnerability assessment are also conducted on a periodic basis to detect system vulnerabilities. Additional technical security features include DigiCert digital certificates, 128-bit encryption; two factors (2-FA) user authentication and automatic session logoff after a pre-set time period.

To serve you better, we may combine information you give us on the Web or through other channels. We also use aggregated information about the use of our services to evaluate our users’ preferences, improve our services and facilitate our reporting of Internet usage. Like most websites, we use small bits of data called cookies stored on users’ computers to simulate a continuous connection. Cookies let us “remember” information about your preferences and allow you to move within our service without reintroducing yourself. If we collect information from you, it is held securely and we maintain stringent control and access procedures in accordance with our Privacy Policy.

Please note that you play a part in system security as well. Although we exercise every effort to provide a safe, secure and reliable system, we do not have control over the computer, computer software, systems and other incidentals used by you to access the system and transmission over the Internet cannot be guaranteed to be absolutely secure. You should not share your user ID or password with any other person; you should never display your account information in an area visible to others; and your personal computer or other electronic device should never be left unattended.

Terms and Conditions

We hope that the information we provide will be useful to you. However, you are expected to be responsible for the security of your devices. We regret that we will not be able to bear any financial losses resulting from unauthorised use of your account.

Personal and Premier Banking customers

Your usage of our OCBC Online Banking Service is subject at all times to our Terms and Conditions Governing Electronic Banking Services and the Terms and Conditions Governing Deposit Accounts.

Business Banking customers

Your usage of our OCBC Internet Banking Service known as OCBC Velocity is subject at all times to the Business Account Terms and Conditions.