Lastest S$ Deposit updates - Part 3

[swathe]

The OCBC form is not clear. I assume the account selection is the account number since it is not possible to type the full string and there is no drop-down.

 

[EveMuffins]

The OCBC form is not clear. I assume the account selection is the account number since it is not possible to type the full string and there is no drop-down.

it is the account number. at first I typed in 'statement savings' and error msg pop out..then I typed in account number and it went through.

 

[sesame246]

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.

I have participated in one 88 day promo in end nov 2025, can i participate in this new promo, using different eligible account? I checked the T&Cs, There is no explicit clause in the terms that allows or prohibits a single customer from participating multiple times using different eligible accounts.

 

[swathe]

Not sure if can resubmit. Miscalculated and transferred too much. Need to take out some.

 

[ckman3]

Read the T&C for this OCBC 1.8% 88days promo. Have one 88days promotion completing in Feb 2026. Not sure if using the same account but with new eligible transaction of fresh funds injected be eligible to participate? Any insights appreciated. TIA.

 

[rest1ess]

Seems not attractive. Ocbc 360 not eligible.

 

[laladuck]

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.

“Fresh Funds” refers to ....funds that are not withdrawn within 30 days before or during the Promotion Period and re-deposited (whether in part or in full amounts withdrawn) into the Eligible Account during the Promotion Period for purposes of qualifying for the Promotion.

I will open a new eligible account for this Promotion. Does the withdrawal include from another account that I am already holding e.g. 360 Account?

 

[waterpighead]

Cannot.

But my stash account was registered under the prev Q4 2025 promo; so now i intend to register my UOB One in this latest Q1 2026 promo.
so it’s one cash credit under *this* promotion, correct?

 

[Cumzilla]

The ocbc 1.8% 88 days promo is for invited clients ONLY right?

 

[ericcsn]

Read the T&C for this OCBC 1.8% 88days promo. Have one 88days promotion completing in Feb 2026. Not sure if using the same account but with new eligible transaction of fresh funds injected be eligible to participate? Any insights appreciated. TIA.

Should be still a yes. I have done so last year (on 3 occasions in fact).

(see here for one of them: https://forums.hardwarezone.com.sg/threads/lastest-s-deposit-updates-part-3.5575909/post-155920632 & https://forums.hardwarezone.com.sg/threads/lastest-s-deposit-updates-part-3.5575909/post-155922001)

 

[ericcsn]

The ocbc 1.8% 88 days promo is for invited clients ONLY right?

No. As long as you are the primary account holder (which is the case for a single account holder; for joint account you have to be the primary account holder of an Elligible account)

(The Promotion is open to all OCBC Personal Banking, Premier Banking, Premier Private Client customers (“Eligible Customers”) who holds an Eligible Account (as defined below) with Oversea-Chinese Banking Corporation Limited (“OCBC”) and who have performed an Eligible Transaction as defined below and as described in these terms and conditions.

An “Eligible Customer” refers to the primary account holder of an Eligible Account. For the avoidance of doubt, transactions not performed by the primary account holder will not be considered an Eligible Transaction.)

https://www.ocbc.com/iwov-resources...r-deposit-promotion-2026-other-casa-plush.pdf

 

[ericcsn]

Seems not attractive. Ocbc 360 not eligible.

Easy. Just open online an OCBC Statement Savings Account, place the deposit into it and enroll.

But of course, there are other better deals out there.

 

[Alwaysb]

Hi all I am new to this 88 days promo. Must the amount be incremental fresh funds against Across all available account? I already have 100k with OCBC 360.

Base on the chart, it has 2 dates for fresh fund deposit. I would want to target to deposit only on 31st jan. so must the fresh fund be only deposit on the same day? Cannot be done in batches within few days for bigger amount?

lastly, which eligible account would be adviced to open just for this promo preferably no min balance required.

TIA

 

[luvpraline]

Easy. Just open online an OCBC Statement Savings Account, place the deposit into it and enroll.

But of course, there are other better deals out there.

Could you share what other better deals?
I also don't have any eligible account. For OCBC Statement Savings account need to maintain 1000 or there will be a fall below fee.

 

[ericcsn]

Hi all I am new to this 88 days promo. Must the amount be incremental fresh funds against Across all available account? I already have 100k with OCBC 360.

Base on the chart, it has 2 dates for fresh fund deposit. I would want to target to deposit only on 31st jan. so must the fresh fund be only deposit on the same day? Cannot be done in batches within few days for bigger amount?

lastly, which eligible account would be adviced to open just for this promo preferably no min balance required.

TIA

An “Eligible Transaction” refers to the deposit of Fresh Funds (as defined below) of at least S$50,000 and up to a maximum of S$3,000,000 into an Eligible Account and agreement of the Eligible Customer for OCBC to withhold the funds deposited for a specific period determined by OCBC (“Earmark Period”). The amount of Fresh Funds deposit must also result in a corresponding increase of at least S$50,000 when compared against the total balances of all other OCBC current and/or savings accounts as of 30 days prior to the date of deposit.

Date doesn't need to on 31 Jan, any date within the validity dates will do (i recalled 88 days were against the date of enrollment of the deposit)

I used the Statement Savings Account for this purpose.

 

[ericcsn]

Could you share what other better deals?
I also don't have any eligible account. For OCBC Statement Savings account need to maintain 1000 or there will be a fall below fee.

Are you new to banks like Stanchart or HSBC (or your last account with them closed for more than 12 months; credit card holders without banking with them will qualify). They have excellent welcome rewards for priority and premier customers.

HYSA - Stanchart Bonus$aver, DBS Multiplier, OCBC 360 even UOB 1.

HSBC EGA.

So far they havent charged me for the OCBC Statement Savings accounts (I have single and joint) and which have been kept at $0 for quite some time.

 

[JetStorm]

No Frills account interest rates for Jan 2026. Will update more if available.

BANKS	INTEREST	AMOUNT
CIMB NEW TO PREFERRED	1.88% + IPAD OR $800	250 K TO 1 MIL
OCBC STATEMENT 88 DAYS PROMO	1.80%​	MIN 50K
UOB STASH	1.50%​	100K
MAYBANK ISAVVY (WITH FRESH FUNDS)	1.40%​	200K AND ABOVE
MAYBANK ISAVVY (WITH FRESH FUNDS)	1.20%​	10K TO 199K
BOC SUPERSAVER	1.32%​	100K
SIF GO SAVER	1.30%​	FIRST 100K
SCB ESAVER (WITH FRESH FUNDS)	1.25%​	FIRST 2 MIL
NON BANKS
CHOCOLATE FINANCE TOPUP PROGRAMME	2.00%​	20K
SINGLIFE	1.50%​	10K
SYFE CASH + GUARANTEED	1.15% to 1.50%	NO MIN. NO MAX
STASHAWAY SIMPLE GUARANTEED	1.20%​	NO MIN. NO MAX

 

[PhantomOpera]

An “Eligible Transaction” refers to the deposit of Fresh Funds (as defined below) of at least S$50,000 and up to a maximum of S$3,000,000 into an Eligible Account and agreement of the Eligible Customer for OCBC to withhold the funds deposited for a specific period determined by OCBC (“Earmark Period”). The amount of Fresh Funds deposit must also result in a corresponding increase of at least S$50,000 when compared against the total balances of all other OCBC current and/or savings accounts as of 30 days prior to the date of deposit.

Date doesn't need to on 31 Jan, any date within the validity dates will do (i recalled 88 days were against the date of enrollment of the deposit)

I used the Statement Savings Account for this purpose.

I wonder if we can rollover the amt for another 88 days? But it’s not fresh funds anymore right? However, I do not see the funds of 88 days promo in my savings account.

 

[ericcsn]

I wonder if we can rollover the amt for another 88 days? But it’s not fresh funds anymore right? However, I do not see the funds of 88 days promo in my savings account.

Yes, it is no longer considered fresh funds with rollover.

Promo available from here https://www.ocbc.com/personal-banking/deposits/passbook-savings-account

 

[~sabaisabai~]

No Frills account interest rates for Jan 2026. Will update more if available.

BANKS	INTEREST	AMOUNT
CIMB NEW TO PREFERRED	1.88% + IPAD OR $800	250 K TO 1 MIL
OCBC STATEMENT 88 DAYS PROMO	1.80%​	MIN 50K
UOB STASH	1.50%​	100K
MAYBANK ISAVVY (WITH FRESH FUNDS)	1.40%​	200K AND ABOVE
MAYBANK ISAVVY (WITH FRESH FUNDS)	1.20%​	10K TO 199K
BOC SUPERSAVER	1.32%​	100K
SIF GO SAVER	1.30%​	FIRST 100K
SCB ESAVER (WITH FRESH FUNDS)	1.25%​	FIRST 2 MIL
NON BANKS
CHOCOLATE FINANCE TOPUP PROGRAMME	2.00%​	20K
SINGLIFE	1.50%​	10K
SYFE CASH + GUARANTEED	1.15% to 1.50%	NO MIN. NO MAX
STASHAWAY SIMPLE GUARANTEED	1.20%​	NO MIN. NO MAX

Thanks for consolidation.