Fixed Deposit | OCBC Bank


Secure higher returns with fixed tenures of up to 60 months

Why you will love this

Enjoy up to 2.70% interest a year

Enjoy the flexibility of making partial withdrawal, while the remaining balance continues to enjoy high interest rates

Flexibility to choose the maturity period, ranging from 1 to 60 months, with a pre-determined interest rate

Who can apply

Age 18 and above

For individuals below 18, an in-trust account under a parent/guardian's name is required

Malaysian Citizens, Permanent Residents and Non-residents (subject to the country of origin)


Fixed Deposit-i promotion
Amplify your earnings for 4 months at 3.90% p.a. with our special bundle promotion
Find out more

Grow your money with attractive Fixed Deposit rates.

Fixed Deposit Rates

Giving you the flexibility to withdraw partially when you need it most while still growing your money with attractive Fixed Deposit rates on your remaining balance.

Rates are indicative only.

For more information on latest Fixed Deposit interest rates offered, please call +603 8317 5000 (Personal Banking enquiries) or 1300 88 7000 (Business Banking enquiries).

Current promotion
OCBC Fixed Deposit/-i Promotion

Amplify your earnings with 3.90% p.a. for 4 months

Turn up your earning power with OCBC Fixed Deposit-i when you deposit and save with us.

Promotional period: 1 July 2024 to 31 August 2024

Terms and conditions apply.

Member of PIDM. Protected by PIDM up to RM250,000 for each depositor.


Eligibility requirements

Minimum age

18 and above


Malaysian Citizens, Permanent Residents and Non-residents (subject to the country of origin)

Deposit requirements

Minimum initial deposit

1 month: RM5,000

2- 60 months: RM1,000

Important notices

  • Partial withdrawal must be in multiple of RM1,000 with minimum balance of RM1,000 to be maintained in the receipt
  • Partial withdrawal applies to Fixed Deposit of 2-month tenures and above only, and can only be done over the counter (OTC) at the Bank's branches
  • Partially withdrawn portions of the Fixed Deposit are not entitled to any interest regardless of the number of completed months at the time of withdrawal. Upon maturity, interest at the contracted rate is only payable for the Fixed Deposit amount that is not withdrawn prematurely.

Product Information Sheet (EN)

Product Information Sheet (BM)

PIDM disclosure

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

ways to apply

Open your Fixed Deposit Account today