Premier Private Client | Earn up to 4.28% p.a. | OCBC Bank

Take your returns further.
Pair your deposit and investment to enjoy up to 4.38% p.a.

Deposit and invest to unlock higher returns on a 6-month Fixed Deposit/-i.

Campaign period from 1 October 2026 to 31 December 2026
HOW IT WORKS
Wealth Bundle

4.38% p.a.

6-month

Wealth Bundle

Invest a minimum of RM100,000, with minimum sales charge of 2% in Unit Trust/-i or selected Structured Investment products for a 1:1 placement ratio in Fixed Deposit/-i.

Invest a minimum of RM100,000, with minimum sales charge of 2% in Unit Trust/-i or selected Structured Investment products for a 1:1 placement ratio in Fixed Deposit/-i.

Fixed Deposit/-i

Up to 3.85% p.a.Up to 3.85% p.a.

12-month

Fixed Deposit/-i

Fixed Deposit/-i
For placements from RM10,000 up to RM5,000,000 with fresh funds only. See important notes below

Fixed Deposit/-i
For placements from RM10,000 up to RM5,000,000 with fresh funds only. See important notes below

OR
OR
Before you apply

Terms and conditions

Promotion

OCBC Wealth FD/-i Bundle 4.38% p.a.

OCBC Al-Amin Wealth FD-i Bundle 4.38% p.a.

OCBC FD-i 3.85% & 3.75% p.a.

OCBC Al-Amin FD-i 3.85% & 3.75% p.a.

To become an OCBC Premier Banking Client, you will need to have deposits and/or investments of RM3,000,000 or more with us.

OCBC Premier Banking and OCBC Premier Private Client Terms and Conditions (EN)

OCBC Premier Banking and OCBC Premier Private Client Terms and Conditions (BM)

Phone and Electronic Mail Instruction Services Terms and Conditions (EN)

Phone and Electronic Mail Instruction Services Terms and Conditions (BM)

Important notes

  1. Fixed Deposit/-i 3.75% p.a. is applicable to eligible Fresh Funds placements made from RM10,000 to RM5,000,000 for a 6-month tenure.
    Fixed Deposit/-i 3.85% p.a. is applicable to eligible Fresh Funds placements made from RM10,000 to RM5,000,000 for a 12-month tenure.
    1. "Fresh Funds” shall mean funds transferred from another licensed financial institution in Malaysia and deposited into an account with the Bank not more than seven (7) calendar days immediately preceding the placement date.
    2. To satisfy the Fresh Funds requirement, the Eligible Customer must ensure that there is an incremental growth in the total deposits maintained with the Bank. The computation of the incremental growth shall be based on the difference between:
      1. the Eligible Customer’s Total Deposit Balance as at the placement date; and
      2. the Eligible Customer’s Total Deposit Balance as at 30 September 2026, 

      both denominated in Ringgit Malaysia. For clarity, the Total Deposit Balance shall include balances maintained across the following accounts with the Bank: 

      1. MYR Current Accounts/-i;
      2. MYR Savings Accounts/-i;
      3. MYR Fixed Deposit Accounts/-i;
      4. Multi Currency Current Account (MCCA) MYR; and
      5. Multi Currency Term Deposit MYR (MCTD MYR).
    3. For the avoidance of doubt, the incremental growth amount must be maintained throughout the campaign period. Should the incremental growth amount fall below the placement amount at any time during the campaign period, the Eligible Customer shall be deemed not to have satisfied the Fresh Funds requirement.
  2. Wealth Bundle 4.38% p.a. applies to Fixed Deposit/-i placement of minimum RM100,000 for a 6-month tenure. To be entitled, you must purchase a minimum of RM100,000 eligible wealth product in Unit Trust/-i or selected Structured Investment products, with sales charge of minimum 2%. Fixed Deposit/-i and wealth product placement amount is on 1:1 ratio.
  3. The total Effective Interest/Profit Rate (EIR/EPR) of 3.75% p.a. for Fixed Deposit/-i applies when deposits are maintained throughout the 6-month tenure.
    The total Effective Interest/Profit Rate (EIR/EPR) of 3.85% p.a. for Fixed Deposit/-i applies when deposits are maintained throughout the 12-month tenure.
    The total Effective Interest/Profit Rate (EIR/EPR) of 4.38% p.a. for Wealth Bundle applies when deposits are maintained throughout the 6-month tenure.

Disclaimer

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