OCBC Bank Singapore is one of the three major local banking groups in Singapore, serving personal, premier, business, corporate, wealth and digital banking customers. Oversea-Chinese Banking Corporation Limited is incorporated in Singapore and appears in the Monetary Authority of Singapore Financial Institutions Directory as a local bank. Customers checking OCBC should verify branch access, account terms, fees, transfer details and product conditions through OCBC’s official pages before acting on any banking information.
Founded 1932
Bank Code 7339
SWIFT OCBCSGSG
MAS-Regulated
Main Details
Oversea-Chinese Banking Corporation Limited
OCBC Bank Singapore
1932
63 Chulia Street, #10-00 OCBC Centre East, Singapore 049514
Monetary Authority of Singapore
Local Bank, as listed by MAS
Tan Teck Long
Andrew Lee Kok Keng
OCBCSGSG
7339
OCBC locator states 33 branches; verify before visiting
OCBC Singapore
About OCBC Bank Singapore
OCBC was formed in 1932 through the merger of three local banks: Chinese Commercial Bank, Ho Hong Bank and Oversea-Chinese Bank. OCBC describes itself as the longest established Singapore bank, with Singapore as its home market and regional operations across ASEAN and Greater China.
In Singapore, OCBC covers everyday deposits, cards, loans, insurance distribution, investment access, private banking through Bank of Singapore, business banking and corporate banking. For customers comparing major local banks, OCBC is often reviewed alongside DBS Bank Singapore and UOB Bank Singapore, especially for branch access, salary-credit savings accounts, digital banking and local transfers.
OCBC’s public profile should be checked through three official areas: the MAS Financial Institutions Directory for regulatory status, OCBC’s investor pages for group financial data, and OCBC’s product pages for current account, card, loan and service terms.
Banking Services
Personal Banking
OCBC offers savings and current accounts, debit cards, credit cards, home loans, personal loans, foreign currency services, insurance distribution and investment access for individual customers.
Premier and Wealth Banking
OCBC serves affluent and wealth customers through Premier Banking, Premier Private Client and private banking channels. Product availability depends on eligibility, documentation and risk suitability checks.
Business and Corporate Banking
OCBC supports SMEs, large corporates and financial institutions with operating accounts, trade services, cash management, loans, treasury services and digital business banking platforms.
Digital Banking
OCBC Digital and OCBC Online Banking allow customers to view accounts, transfer funds, manage cards, apply for selected products and use security tools such as OneToken. OCBC’s digital banking page also notes app-based services such as cardless QR cash withdrawal at OCBC ATMs.
OCBC App
- Account balance and transaction viewing
- Pay and transfer functions
- Card bill payment and selected card services
- Statements and letters access
- OneToken authentication support
Digital Safety Checks
- Use only the official OCBC app or OCBC website login
- Do not enter Access Code, PIN, card details or OTP on unverified pages
- Read OneToken authorisation messages before approving
- Contact OCBC through official contact channels for urgent fraud or lost-card issues
OCBC WoW was unveiled on 1 July 2026 as an AI-native mobile banking app centred initially on wealth management. Its beta version uses the AI-powered avatars Wendy and Wayne to provide portfolio views, market information and personalised investment insights through voice or text. The beta is being introduced to selected employees and invited Premier Private Client customers rather than replacing the main OCBC app for everyday banking.
OCBC is also using agentic AI in wealthy-customer onboarding. On 29 July 2026, the bank announced the HELIOS platform for Bank of Singapore, which moves parts of customer due diligence earlier in the onboarding process and targets account opening in about 15 business days when documentation is complete. The rollout covers Singapore, Hong Kong and Dubai, with an extension to OCBC Premier Private Client planned by the end of 2026.
For Singapore payment context, customers using OCBC accounts may also want to understand PayNow setup in Singapore and FAST transfers in Singapore before choosing a transfer method.
Branches and ATM Access
OCBC’s official locator states that customers can bank at 33 branches and over 1,000 OCBC and UOB ATMs islandwide. Branch hours, public holiday closures, queue ticket availability and service coverage can change, so the official locator should be checked before travelling to a branch.
Official Branch Locator
Use the OCBC branch and ATM locator for current branch, ATM and self-service listings.
OCBC Branch List
A local branch directory can help compare areas, services and opening notes before using the official locator for final verification. See OCBC branch locations.
ATM and Self-Service
OCBC ATM access includes cash withdrawal, deposit services at selected machines, QR cash withdrawal at OCBC ATMs and other self-service options shown on the bank’s locator.
Weekend Opening
Some branches may have different Saturday or Sunday availability. For wider planning across banks, check Saturday bank opening hours.
Published branch hours may change during public holidays, renovation works, service updates, festive periods or temporary closures. Use OCBC’s locator for current branch status, then use Google Maps only for route planning.
SWIFT, Bank Code and Branch Code
OCBC’s Singapore SWIFT/BIC is commonly shown as OCBCSGSG, while some international transfer forms may display the 11-character form with XXX at the end when no branch-specific code is required. OCBC’s official help page lists bank code 7339 and states that the first three numbers of an OCBC account number are the branch code.
| Code Type | OCBC Detail | Used For | Verification |
|---|---|---|---|
| SWIFT / BIC | OCBCSGSG | International transfers and bank identification | OCBC network transfer page |
| Bank Code | 7339 | Local bank identification in Singapore payment forms | OCBC help page |
| Branch Code | First three numbers of the OCBC account number | Forms that still request a branch code | OCBC help page |
For a dedicated transfer lookup page, use OCBC Singapore SWIFT code. For other banks, compare the Singapore bank code list.
Financial Indicators
OCBC’s latest reported results are for the first half of 2026. On 7 August 2026, OCBC Group reported record 1H26 net profit of S$4.19 billion, up 13% year on year, with total income of S$8.00 billion. The non-performing loan ratio remained at 0.9%, and the Board declared an interim dividend of 47 cents per share. The five-year table below remains a full-year historical view.
S$4.19 billion
S$8.00 billion
0.9% as at 30 June 2026
47 cents per share
Net Profit Trend
Bars are scaled against the highest year shown in this five-year view. Values are rounded from OCBC Group historical financial highlights.
| Year | Net Profit | Total Income | Total Assets | ROE | NPL Ratio |
|---|---|---|---|---|---|
| 2025 | S$7.422b | S$14.614b | S$675.688b | 12.6% | 0.9% |
| 2024 | S$7.587b | S$14.473b | S$625.050b | 13.7% | 0.9% |
| 2023 | S$7.021b | S$13.507b | S$581.424b | 13.7% | 1.0% |
| 2022 | S$5.526b | S$11.286b | S$556.924b | 11.1% | 1.2% |
| 2021 | S$4.858b | S$10.596b | S$542.187b | 9.6% | 1.5% |
No matching rows found.
Financial figures are rounded from OCBC Group historical financial highlights. Check OCBC financial results for audited statements, footnotes and later announcements.
Recent Developments
OCBC reported record 1H26 net profit of S$4.19 billion, up 13% year on year, while total income rose to S$8.00 billion. The Group reported a 0.9% NPL ratio and declared a 47-cent interim dividend.
OCBC announced wider use of agentic AI through HELIOS for wealthy-customer onboarding at Bank of Singapore. The platform moves much of the customer due-diligence work earlier in the process and targets account opening in about 15 business days when required documents are submitted without delay.
OCBC unveiled OCBC WoW, an AI-native mobile app using the AI-powered avatars Wendy and Wayne for real-time wealth-management interactions. The beta began with selected employees and invited Premier Private Client customers.
Tan Teck Long became Group Chief Executive Officer, succeeding Helen Wong after a planned leadership transition.
OCBC was formed through the merger of Chinese Commercial Bank, Ho Hong Bank and Oversea-Chinese Bank.
Account Opening
OCBC account opening depends on customer type, residency status, product choice, documentation and bank review. A Singapore citizen, PR, Employment Pass holder, student, company owner or foreign applicant may face different document checks. Product pages should be reviewed before applying because minimum balances, fall-below fees, bonus interest rules and promotional rates can change.
Documents Needed
Prepare identity documents, proof of address and any pass, school or company documents requested for the account type. For a wider checklist, review documents for account opening.
Digital or Branch Opening
Some accounts can be started digitally, while other cases may require a branch visit or extra verification. Compare online and branch opening before choosing a route.
Product Review
Check account fees, fall-below balance rules, debit card terms, foreign currency handling, promotional conditions and closure process on the official OCBC product page.
This page does not provide personal financial advice. OCBC decides eligibility, approval, account limits and document requirements based on its own policies and regulatory checks.
Deposit Insurance
Singapore dollar deposits of non-bank depositors placed with a full bank or finance company that is a Scheme member may be insured by the Singapore Deposit Insurance Corporation, subject to the scheme limits and rules. OCBC product pages and notices identify insured deposit products where applicable.
Deposit insurance does not mean every product sold by a bank is covered. Foreign currency deposits, investments, structured products and insurance products follow different rules. Check the Singapore Deposit Insurance Corporation and OCBC’s product documents before relying on coverage.
Comparison With Other Singapore Banks
| Comparison Area | OCBC Context | What to Verify |
|---|---|---|
| Local Bank Status | OCBC is listed by MAS as a local bank incorporated in Singapore. | Check MAS directory if regulatory status is part of your due diligence. |
| Branch and ATM Access | OCBC lists 33 branches and over 1,000 OCBC and UOB ATMs islandwide. | Check current branch hours, queue notices and service restrictions before visiting. |
| Digital Banking | OCBC Digital supports app-based banking, transfers, statements, card services and OneToken authentication. | Check device requirements, security notices and service availability on OCBC’s site. |
| Transfers | OCBC supports Singapore local transfer rails and international transfer options. | Check transfer cut-off times, FX rate, fees, recipient details and SWIFT/BIC before sending. |
Verification Notes
Use the MAS Financial Institutions Directory to confirm OCBC’s regulatory listing, OCBC financial results for group financial data, the OCBC newsroom for current bank developments, OCBC’s branch and ATM locator for visit planning, OCBC’s help pages for bank code and branch code details, and SDIC for deposit insurance coverage rules.
Bank information can change after product updates, fee revisions, branch works, public holiday notices, regulatory updates or system changes. For account opening, loan, investment, insurance, card or remittance decisions, verify current terms on the official OCBC page before applying or transferring funds.
FAQ
Is OCBC a Singapore bank?
Yes. OCBC is incorporated in Singapore and appears in the MAS Financial Institutions Directory as a local bank.
What is the OCBC Singapore bank code?
OCBC’s Singapore bank code is 7339. OCBC states that the first three numbers of an OCBC account number are the branch code.
What is the OCBC Singapore SWIFT code?
The commonly used OCBC Singapore SWIFT/BIC is OCBCSGSG. For international transfers, confirm the exact code, recipient name, account number and payment currency with OCBC or the recipient before sending funds.
How many OCBC branches are in Singapore?
OCBC’s locator states 33 branches in Singapore. Branch status and hours can change, so check the official locator before visiting.
Are OCBC deposits insured in Singapore?
Eligible Singapore dollar deposits may be insured under the SDIC scheme, subject to scheme limits and conditions. Not every product sold by a bank is a covered deposit.
