OCBC 365 Account

OCBC 365 Account promises a conditional 2.1% AER if monthly spending and salary requirements are met, but the rate falls to 0.3% if conditions aren't satisfied—a sharp penalty. This makes it 0.2% less reliable than #5 Bank of China Savings, which delivers a stable 2.2% without stipulations. Verified April 2026 via OCBC official website, it suits disciplined users but lacks flexibility.