BOC SmartSaver

[Trazora]

not sure if was posted but i read thru the thread and couldn't find answer.

can we link any of the BOC credit card to our savings account for withdrawal of money via BOC or the ATM5 network? like how for DBS, you can link your savings account to any DBS credit card and use it for cash withdrawal at ATM...

thanks..

Not that I know of. Need to use debit card for atm.

 

[vince123123]

For added information, UOB also can link a credit card to withdraw money at ATM from savings account.

not sure if was posted but i read thru the thread and couldn't find answer.

can we link any of the BOC credit card to our savings account for withdrawal of money via BOC or the ATM5 network? like how for DBS, you can link your savings account to any DBS credit card and use it for cash withdrawal at ATM...

thanks..

 

[Hunter_X_Hunter]

Thanks for sharing. It works via sms otp.

I managed to do FAST from BOC using SMS OTP to login and SMS otp authenticate the FAST. Dun have token with me to try. As usual you can try clear cache

 

[kennethtbh]

is there a dash board similar to the ocbc 360 to see whether u have fulfilled the 3 pay payments and clocked the 500 ah? or how do u all keep track manually? btw can confirm if i go axs to pay citibank cc bills (>500) using my boc debit, it will count as 1 bill payment AND 500 spending? or just as spending only? bill payment need to be thru the "pay to xxx" page?

 

[Frostmourne1987]

using BOC debit card to pay for your cc via AXS only counts towards your 500 spending.. only bill payment using BOC's ibanking bill payment function will count towards bill payment..

for example you have a cc bill of $505
what the lao jiaos do here is we pay the min of $5 via the ibanking bill payment function, and we pay the balance $500 using BOC debit card via AXS.. 2 birds with 1 stone

#opensecret #keepittoyourself #praytheyduntweak

 

[sbs199]

seems e statement is out on iBanking. Need to go to branch again to become a beta tester

 

[chuanz]

seems e statement is out on iBanking. Need to go to branch again to become a beta tester

Oooh sweet!

 

[FrontierX]

is there a dash board similar to the ocbc 360 to see whether u have fulfilled the 3 pay payments and clocked the 500 ah? or how do u all keep track manually? btw can confirm if i go axs to pay citibank cc bills (>500) using my boc debit, it will count as 1 bill payment AND 500 spending? or just as spending only? bill payment need to be thru the "pay to xxx" page?

Usually I set auto bill payment to 3 credit cards of 5$ each. Can be the same as my ocbc bill payment bills.

All criteria set.

I'm a foodie so actually hitting 500$ per month for me is not that hard

 

[kael1n83]

Usually I set auto bill payment to 3 credit cards of 5$ each. Can be the same as my ocbc bill payment bills.

All criteria set.

I'm a foodie so actually hitting 500$ per month for me is not that hard

Frontier, for the 3 credit cards, I assume they need to be all separate credit cards? Or is multiple bill payment to same credit card possible?

 

[OngHuatHuat]

My problem solved already. Clear cashe and delete history.

 

[Trazora]

Frontier, for the 3 credit cards, I assume they need to be all separate credit cards? Or is multiple bill payment to same credit card possible?

Must be 3 bills with different reference number ie separate credit cards

 

[Trazora]

My problem solved already. Clear cashe and delete history.

That's nice

 

[ice_angel]

Usually I set auto bill payment to 3 credit cards of 5$ each. Can be the same as my ocbc bill payment bills.

All criteria set.

I'm a foodie so actually hitting 500$ per month for me is not that hard

Just curious, how do you pay the remaining large amount of the bill? Why not pay the full bill (-5 for OCBC) but only $5?

 

[FrontierX]

Just curious, how do you pay the remaining large amount of the bill? Why not pay the full bill (-5 for OCBC) but only $5?

I settle the remaining of bill with ocbc 360 account. They also need me to clock 3 bill payment for bonus interest

 

[ice_angel]

I settle the remaining of bill with ocbc 360 account. They also need me to clock 3 bill payment for bonus interest

Oh I usually just split half half for the 2 bank.. Or left around 100 for uob to giro.. haha..
I thought u pay the big amount using may bank or something. Last time they got some payment bonus thing..

 

[FrontierX]

Oh I usually just split half half for the 2 bank.. Or left around 100 for uob to giro.. haha..
I thought u pay the big amount using may bank or something. Last time they got some payment bonus thing..

usully my liquid savings is kept to 120k. hold too much cash no use, so i never look into maybank. if i not wrong posb, dbs and uob all have their special promotions but alot of terms and conditions to note. im happy with what im getting from boc and ocbc.

60k in ocbc 360 earning 2.25% and 60k in boc earning 2.55%, interest monthly around $250..

i never subscribe to their harder to fulfil interest categories like buy their insurance or the whatnots.

excess funds beyond 120k usually i put into riskier investments to earn high dividends/interest since with 120k most of my cash liquid needs are met.

 

[frustrateddude]

.. Or left around 100 for uob to giro....

a note:
I was given auto waiver of $192.6 and I left $15 for giro deduction, which never happened as the system detected I had "over paid".

 

[Trazora]

a note:
I was given auto waiver of $192.6 and I left $15 for giro deduction, which never happened as the system detected I had "over paid".

You still have $15 unpaid even including the fee waiver or was the fee waiver credited before the GIRO so you have overpaid $177.6?

 

[868888]

Why or what made you choose BOC + OCBC (1.2% + 0.5% + 0.5% + 0.05%) over

BOC + UOB One (Maximum EIR on One Account is 2.43% p.a. above $50,000). or

BOC + another HY account

I have not gotten around to 360 account as I wasnt using the cc much and use One account. If you fulfill all three BOC, for the other 60k you can place in another bank account without fulfilling all conditions by ocbc. Of cos, it cld be personal preference.

usully my liquid savings is kept to 120k. hold too much cash no use, so i never look into maybank. if i not wrong posb, dbs and uob all have their special promotions but alot of terms and conditions to note. im happy with what im getting from boc and ocbc.

60k in ocbc 360 earning 2.25% and 60k in boc earning 2.55%, interest monthly around $250..

i never subscribe to their harder to fulfil interest categories like buy their insurance or the whatnots.

excess funds beyond 120k usually i put into riskier investments to earn high dividends/interest since with 120k most of my cash liquid needs are met.

 

[Trazora]

Why or what made you choose BOC + OCBC (1.2% + 0.5% + 0.5% + 0.05%) over

BOC + UOB One (Maximum EIR on One Account is 2.43% p.a. above $50,000). or

BOC + another HY account

I have not gotten around to 360 account as I wasnt using the cc much and use One account. If you fulfill all three BOC, for the other 60k you can place in another bank account without fulfilling all conditions by ocbc. Of cos, it cld be personal preference.

Yes think BOC+UOB one (3.55% and 2.43%) is better than BOC+OCBC (2.55% and 2.25%), as can do 3 giro bill payment instead of salary crediting. Minor difference is uob one 2.43% is for $50k only, not $60k.