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 OCBC 360 Savings Account - Up to 3.25% Interest !, Get higher interest on your savings acct

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tadashi987
post Nov 19 2020, 08:31 PM

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QUOTE(mamamia @ Nov 19 2020, 08:00 PM)
I just feel the in app OTP is stupid for their onetoken.. give **** marks, but don need any PIN to review the 6 digits OTP in app.. what is the point of having that additional OTP in app without any security measure?
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hahaha yeah that's ones of it, dunno what are they thinking doh.gif
cclim2011
post Dec 1 2020, 04:57 PM

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Hello, anyone using titanium card for prudential autopay monthly and get 1% rebate?
47100
post Dec 26 2020, 10:04 PM

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user posted image

hi all, is this what max we can get from 100k cap for the 360 account after fulfil all criteria?
GrumpyNooby
post Dec 26 2020, 10:06 PM

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QUOTE(47100 @ Dec 26 2020, 10:04 PM)
user posted image

hi all, is this what max we can get from 100k cap for the 360 account after fulfil all criteria?
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Yes.
000022
post Dec 26 2020, 10:17 PM

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QUOTE(mamamia @ Nov 19 2020, 08:00 PM)
I just feel the in app OTP is stupid for their onetoken.. give **** marks, but don need any PIN to review the 6 digits OTP in app.. what is the point of having that additional OTP in app without any security measure?
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I agree that having a pin protecting the OTP would be better, but it serves its purpose as an additional OTP device. So someone who's trying to get into your account will need:

1) Your username and password
2) Your OTP device, which in this case, your phone.

To be honest, if they have both, chances are, you're most likely getting hacked anyway.

In other circumstances, for the older OTP methods like:

1) Email. Most users usually use the same auth method, so this is not as good
2) Phone. Some countries, malicious sim card takeovers are a thing, mostly because telcos customer service are very very lax.

Hence why security tokens are a thing for bank accounts. With how popular apps are getting, this has been transferred to app + device to make a "security token". Like maybank with its secureID too. Or Transferwise with authorized device confirmation. Nifty stuff.
yuiopoiuy
post Dec 29 2020, 10:08 AM

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First time went to OCBC to open the frank account. The CS try to persuade me to open 360 account, but i am not spending that much of money to qualify, then he said got another alternative which is put into their GE insurance saving plan or something like that. I dont like this kind of thing also so i just refused
GrumpyNooby
post Dec 29 2020, 10:22 AM

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[28/12/2020] REVISION ON INTEREST RATES / PROFIT RATES FOR OCBC 360 ACCOUNT/-i, BOOSTER ACCOUNT/-i, PREMIER BOOSTER ACCOUNT/-i EFFECTIVE 1 JANUARY 2021

We are revising Interest Rates/Profit Payments starting 1 January 2021 for the following accounts -

user posted image

PDF link: https://www.ocbc.com.my/assets/pdf/Accounts...nt_28122020.pdf

ronnie Please change to 2.15% for thread title!

This post has been edited by GrumpyNooby: Dec 29 2020, 10:24 AM
ryan18
post Jan 1 2021, 08:23 PM

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Wondering if this 2.15% better or frank flat 1.8% better hmm
Tinkai
post Jan 2 2021, 02:14 PM

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I tried to read Frank's TnC and have not found any mentions of maximum amount eligible for the 1.8% interest (or I've missed it). Anyone knows?
GrumpyNooby
post Jan 2 2021, 02:41 PM

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QUOTE(Tinkai @ Jan 2 2021, 02:14 PM)
I tried to read Frank's TnC and have not found any mentions of maximum amount eligible for the 1.8% interest (or I've missed it). Anyone knows?
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It's a saving account and like other saving account, there shouldn't be any max amount.

For PIDM protection, it's up to RM 250k.
Tinkai
post Jan 2 2021, 02:47 PM

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QUOTE(GrumpyNooby @ Jan 2 2021, 02:41 PM)
It's a saving account and like other saving account, there shouldn't be any max amount.

For PIDM protection, it's up to RM 250k.
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Yeah cause OCBC 360 has a 100,000 cap on amount eligible for bonus interest.

That's good to hear notworthy.gif
GrumpyNooby
post Jan 2 2021, 02:50 PM

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QUOTE(Tinkai @ Jan 2 2021, 02:47 PM)
Yeah cause OCBC 360 has a 100,000 cap on amount eligible for bonus interest.

That's good to hear  notworthy.gif
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Banks are smart and they're not willingly to do losing business especially OCBC.
If there's a upper limit, they'll express explicitly in their product T&C and PDS.
acejlsh
post Jan 4 2021, 08:43 PM

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Just tumpang here about FRANK, those who had it already ALONGSIDE with other OCBC deposit products like 360, do you own TWO debit cards?
MilesAndMore
post Jan 4 2021, 11:05 PM

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QUOTE(acejlsh @ Jan 4 2021, 08:43 PM)
Just tumpang here about FRANK, those who had it already ALONGSIDE with other OCBC deposit products like 360, do you own TWO debit cards?
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No
GrumpyNooby
post Jan 5 2021, 08:35 AM

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QUOTE(GrumpyNooby @ Dec 29 2020, 10:22 AM)
[28/12/2020] REVISION ON INTEREST RATES / PROFIT RATES FOR OCBC 360 ACCOUNT/-i, BOOSTER ACCOUNT/-i, PREMIER BOOSTER ACCOUNT/-i EFFECTIVE 1 JANUARY 2021

We are revising Interest Rates/Profit Payments starting 1 January 2021 for the following accounts -

user posted image

PDF link: https://www.ocbc.com.my/assets/pdf/Accounts...nt_28122020.pdf

ronnie Please change to 2.15% for thread title!
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Seems like the cut also happens to their SG product:

OCBC again cuts interest rates on flagship 360 savings account

SINGAPORE (THE BUSINESS TIMES) - OCBC will again lower the interest rates on its flagship savings account, marking its fourth round of revisions since May last year.

From Feb 1, balances up to $25,000 in the OCBC 360 account will earn 0.3 per cent in salary credit bonus interest, down from the prevailing 0.4 per cent established last October.

https://www.straitstimes.com/business/banki...77Etb0LbwTOvFAM
sabrina222
post Jan 18 2021, 03:20 PM

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this or SC privillege better ah?
GrumpyNooby
post Jan 18 2021, 03:23 PM

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QUOTE(sabrina222 @ Jan 18 2021, 03:20 PM)
this or SC privillege better ah?
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In term of interest rate, SC PSA is better but do note of the additional requirement to fulfill starting 1/2/2021
sabrina222
post Jan 18 2021, 03:34 PM

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QUOTE(GrumpyNooby @ Jan 18 2021, 03:23 PM)
In term of interest rate, SC PSA is better but do note of the additional requirement to fulfill starting 1/2/2021
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ocbc indeed kinda easy to fulfill, but how does the credit card benefit compares with SC?
GrumpyNooby
post Jan 18 2021, 03:35 PM

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QUOTE(sabrina222 @ Jan 18 2021, 03:34 PM)
ocbc indeed kinda easy to fulfill, but how does the credit card benefit compares with SC?
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Visit SC thread for details.
Both most popular cards JOP and LFC have recent card benefits revision.
sabrina222
post Jan 18 2021, 03:57 PM

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QUOTE(GrumpyNooby @ Jan 18 2021, 03:35 PM)
Visit SC thread for details.
Both most popular cards JOP and LFC have recent card benefits revision.
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which CC from OCBC is gooding for local retail spending? or OCBC CC is trash lol

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