Lastest S$ Deposit updates - Part 3

[EveMuffins]

Ocbc latest 88 days promotion is 1.8% . Min $50000.

where to register for the 1.8% promo? their website still showing the old 1.45% promo.

7 mths too long, given UOB's history of cutting rates.

tks..I'll go for the OCBC 1.8% one then since it's guaranteed..

 

[EveMuffins]

If earmarked for seven mths, the amount still qualify for the usual 1.9% uob one interest anot har?

yes..but they may cut rates during the 7 months.. unlikely will increase rates ba.

 

[Daffy7]

yes..but they may cut rates during the 7 months.. unlikely will increase rates ba.

But any other better place to put?

 

[EveMuffins]

But any other better place to put?

see above post #22,660..ocbc 1.8% for 88 days but their website not updated yet so I can't register.

 

[waterpighead]

Ocbc360 not eligible account to participate in ocbc 88 days promo?

 

[ericcsn]

Ocbc360 not eligible account to participate in ocbc 88 days promo?

yes.

Eligible accounts are:

• OCBC Passbook Savings Account
• OCBC Statement Savings Account
• SmartParent Account
• SmartSavings Account
• MoneyMax Account
• EasiSave Account
• Premier Statement Savings Account
• Premier Easisave Account

 

[Panerex]

yes.

Eligible accounts are:

• OCBC Passbook Savings Account
• OCBC Statement Savings Account
• SmartParent Account
• SmartSavings Account
• MoneyMax Account
• EasiSave Account
• Premier Statement Savings Account
• Premier Easisave Account

Young Savers Account eligible?

 

[ericcsn]

Young Savers Account eligible?

no. only those above per their website

 

[EveMuffins]

no. only those above per their website

their website still not yet updated with the 1.8% promo right? asking coz previously my hp only can see outdated promos until one bro taught me to use incognito mode.

 

[ericcsn]

their website still not yet updated with the 1.8% promo right? asking coz previously my hp only can see outdated promos until one bro taught me to use incognito mode.

seems like not yet.

 

[winningeleven]

their website still not yet updated with the 1.8% promo right? asking coz previously my hp only can see outdated promos until one bro taught me to use incognito mode.

I saw this ocbc promo on the Facebook page . I didn't check the website. Yes it is not updated. Maybe Today is a holiday ..not a business day

 

[waterpighead]

yes.

Eligible accounts are:

• OCBC Passbook Savings Account
• OCBC Statement Savings Account
• SmartParent Account
• SmartSavings Account
• MoneyMax Account
• EasiSave Account
• Premier Statement Savings Account
• Premier Easisave Account

Thanks for ur clarifications!

 

[EveMuffins]

ok tks.. glad it's not my hp issue..will keep my funds in isavvy first until ocbc updates their website

@ericcsn @winningeleven

 

[FlyGuardX]

https://internet.ocbc.com/onlineform/publiconlineform/Form?FormId=CASATopUp2026

If the interest only counts from Feb 2, 2026 for 88 days, here's the revised calculation:
Interest earned:

• Amount: S$100,000
• Rate: 1.80% p.a.
• Period: 88 days (Feb 2 - Apr 30, 2026)
• Interest: S$100,000 × 1.80% × (88/365) = S$433.97

Effective annual rate: Your total holding period is from Jan 15 (deposit date) to May 31 (interest payment date) = 136 days

• S$433.97 / S$100,000 × (365/136) = 1.16% p.a.

The effective rate remains the same at 1.16% p.a. because while you deposited on Jan 15, you're tying up your funds for 136 days total but only earning interest for 88 of those days. The 18-day gap (Jan 15 - Feb 2) where you earn no promotional interest reduces your overall return.

 

[ericcsn]

https://internet.ocbc.com/onlineform/publiconlineform/Form?FormId=CASATopUp2026

If the interest only counts from Feb 2, 2026 for 88 days, here's the revised calculation:
Interest earned:

• Amount: S$100,000
• Rate: 1.80% p.a.
• Period: 88 days (Feb 2 - Apr 30, 2026)
• Interest: S$100,000 × 1.80% × (88/365) = S$433.97

Effective annual rate: Your total holding period is from Jan 15 (deposit date) to May 31 (interest payment date) = 136 days

• S$433.97 / S$100,000 × (365/136) = 1.16% p.a.

The effective rate remains the same at 1.16% p.a. because while you deposited on Jan 15, you're tying up your funds for 136 days total but only earning interest for 88 of those days. The 18-day gap (Jan 15 - Feb 2) where you earn no promotional interest reduces your overall return.

Check this in FAQ: https://www.ocbc.com/iwov-resources...gn/accounts/faqs-ocbc-cny26-deposit-promo.pdf
3. Earmark period 3.1. How do you calculate the earmark period? If you are eligible, the earmark period is computed for 88 days, starting from the date the fresh funds are deposited. For example, if you deposited eligible fresh funds on 20 January 2026, the earmark on your funds will last till 17 April 2026. Your funds will be available the next working day.

seems like 1.8% to me since the earnmarked date from 17 april to 20 Jan (funds will be available on 18 April)

 

[yiwei]

https://internet.ocbc.com/onlineform/publiconlineform/Form?FormId=CASATopUp2026

If the interest only counts from Feb 2, 2026 for 88 days, here's the revised calculation:
Interest earned:

• Amount: S$100,000
• Rate: 1.80% p.a.
• Period: 88 days (Feb 2 - Apr 30, 2026)
• Interest: S$100,000 × 1.80% × (88/365) = S$433.97

Effective annual rate: Your total holding period is from Jan 15 (deposit date) to May 31 (interest payment date) = 136 days

• S$433.97 / S$100,000 × (365/136) = 1.16% p.a.

The effective rate remains the same at 1.16% p.a. because while you deposited on Jan 15, you're tying up your funds for 136 days total but only earning interest for 88 of those days. The 18-day gap (Jan 15 - Feb 2) where you earn no promotional interest reduces your overall return.

After earmark can withdraw right? so it's still 1.80%pa, just the interest paid out at a later date

 

[waterpighead]

I think uob leap of fortune promo looks decent. Cashback more than last quarter.
Do y’all know if one can participate 2x ie using both Stash and UOB one account under same name? Thanks!

 

[Daffy7]

I think uob leap of fortune promo looks decent. Cashback more than last quarter.
Do y’all know if one can participate 2x ie using both Stash and UOB one account under same name? Thanks!

Cannot.

 

[sglandscape]

After earmark can withdraw right? so it's still 1.80%pa, just the interest paid out at a later date

Less than 1.8% since need to fund from middle Jan. Unless run out of bullets for the DBS Multiplier, this is a good place to park the excess.

 

[yiwei]

Less than 1.8% since need to fund from middle Jan. Unless run out of bullets for the DBS Multiplier, this is a good place to park the excess.

I quote below...

The Earmark Period will start from the date of depositing in Fresh Funds into the Eligible Account. Depending on your date of fresh funds deposited, the earmark will be performed on different dates.

Eligible Transaction Date	Earmark start date	Earmark duration	Earmark will be performed by
1 - 15 January 2026	Date of fresh funds deposited	88 days	2 February 2026
16 - 31 January 2026	Date of fresh funds deposited	88 days	16 February 2026

it's the whole earmark duration, starting from the date of your deposit and for 88 days; just be careful before the system actual earmark, do not withdraw.