Smart Savers Account

Save monthly without withdrawing
to earn higher interest

Initial deposit



  • Age 18 and above
  • Malaysians, Malaysia PRs and foreigners
How to apply

Total amount deposited in account every calender month Interest rates (yearly)

No withdrawals during calendar month

At least 1 withdrawal made during calendar month

RM0 – RM999.99

0.85% p.a.

0.05% p.a.

RM1000 and above

1.25% p.a.

0.05% p.a.

Online banking

Track your money

View all your OCBC accounts, download previous and current statements, and much more with OCBC Online Banking.

Easy payments and transfers

Pay bills and transfer funds to accounts within OCBC, or to other banks' accounts via MEPS interbank GIRO.

Access over 10,000 ATMs nationwide

Wide network

OCBC ATM cards are accepted at all MEPS ATMs. In Singapore and Malaysia, withdrawals are free at any OCBC or OCBC NISP ATM.

Global access

Make withdrawals at over 600 OCBC ATMs in Singapore and at Visa PLUS ATMs anywhere in the world.

Apply at one of our branches

Please bring along:

for initial deposit

Identity card

Find nearest branch to apply

Important Notices

This deposit is protected by PIDM up to RM250,000 for each depositor.

  • Deposit protection is automatic.
  • PIDM protects depositors holding deposits with banks.
  • There is no charge to depositors for deposit insurance protection.
  • Should a bank fail, PIDM will promptly reimburse depositors over their deposits.

For more information, refer to PIDM's DIS Brochures that are available at our counters or go to the website at