Integrated Account
One Account. Endless Opportunities.
Get a summary of all your accounts with a single consolidated banking statement
Review balances and activities of savings, fixed deposits, investments, credit cards, and more in one monthly consolidated statement.
Review balances and activities of savings, fixed deposits, investments, credit cards, and more in one monthly consolidated statement.
Maximise returns with simple interest accrued daily
Maximise your returns with an Integrated Account, where statement savings interest is paid monthly.
Maximise your returns with an Integrated Account, where statement savings interest is paid monthly.
Managing your accounts anytime anywhere through eBanking
Access your Integrated Account via phone, internet, ATM, or mobile. View, print, and download up to 7 years of eStatements easily.
Access your Integrated Account via phone, internet, ATM, or mobile. View, print, and download up to 7 years of eStatements easily.
No more missed payments — Auto Fund Transfer has you covered
With the Easy Transfer Service, you no longer need to worry about insufficient funds in your current account when settling cheque payments or direct debit transactions. We’ll automatically transfer funds from your designated savings account to your current account7 to cover the payment—saving you time and simplifying your finances.
With the Easy Transfer Service, you no longer need to worry about insufficient funds in your current account when settling cheque payments or direct debit transactions. We’ll automatically transfer funds from your designated savings account to your current account7 to cover the payment—saving you time and simplifying your finances.
Save time, avoid fees, protect your reputation
Easy Transfer not only saves you time, but also protects you from cheque returns and direct debit rejections. By automatically covering insufficient funds in your current account, it helps you avoid service charges and safeguards your personal reputation.
Easy Transfer not only saves you time, but also protects you from cheque returns and direct debit rejections. By automatically covering insufficient funds in your current account, it helps you avoid service charges and safeguards your personal reputation.
Reliable protection for only HKD 100 every half-year
Easy Transfer activates as soon as your application is approved. For just HKD 100 per half-year, you can enjoy this convenient and reliable service.
Easy Transfer activates as soon as your application is approved. For just HKD 100 per half-year, you can enjoy this convenient and reliable service.
Through the Integrated Account, you can manage your HKD, RMB and foreign currencies statement savings account1, fixed deposit account and current account under one account. Once the Integrated Account is opened, funds from different accounts can be allocated easily. With the 24-hour e-Banking service, you may enjoy banking services anytime anywhere; experiencing the efficient account management.
- Easily manage payments and transfers in HKD, USD and RMB using paper cheques or e-cheques
- Use our Easy Transfer Service for HKD transfers to eliminate the hassles of insufficient funds
- Cheque books are available free of charge
- Minimum initial deposit required
- Supports HKD, USD, RMB and 12 other foreign currencies
- Earn daily accrued interest posted semi-annually
- Earn higher interest by depositing funds for a set period of time
- Tenors vary from 7 days to 12 months (subject to currency)
- Foreign Currency Deposit Rates
- Enjoy preferential rates on deposits of HKD 500,000 or above (or equivalent in other currencies)
- Automatically roll over upon maturity, or preselect an account to deposit the funds
- Minimum deposit amount: HKD 50,000 for Hong Kong Dollar fixed deposits
| Account Balance (HKD) | Applicable Interest Rate Per Annum |
| 10,000 or below | 0% |
| Above 10,000 | |
| 0.001% for the first HKD 3,000,000 (i.e. balance from HKD 0 to HKD 3,000,000) |
|
| 0.075% for the remainder (i.e. balance above HKD 3,000,000) |
HKD Deposit Rates (% p.a.)
| Deposit range | Overnight | 1 Week | 2 Week | 1 Month | 2 Month | 3 Month |
| 500,000 or above | 0.0100 | 0.0100 | 0.0100 | 0.0100 | 0.0100 | 0.0100 |
| Less than 500,000 | 0.0100 | 0.0100 | 0.0100 | 0.0100 | 0.0100 | 0.0100 |
Remarks
*Please contact any of OCBC Bank Branches to enquire the interest rates.
The above information is for reference only. Please contact our branch for details.
Open your Integrated Account with us today
or apply through the OCBC Mobile App.