🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 197 (from laksa047)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa197.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account","crawl_time":1775916731,"first_indexed_time":1583036808,"http_code":200,"src_unparsed":"com,ocbc!www,\/personal-banking\/deposits\/fixed-deposit-account s443","src_root_hash":"3968767599854028997","history_drop_reason":null,"meta_title":"OCBC Time Deposit | Fixed Deposit Singapore | FD Rates & Promotion","meta_descriptions":["Secure higher returns with OCBC's fixed deposit rates & promotion! Open a Time Deposit (Fixed Deposit) account online with the OCBC Digital app today."],"attrs_boilerpipe_text":"With secured returns come greater peace of mind. Secure tomorrow's gains by taking action today.\nTime Deposit (Fixed Deposit) Rates\nCurrency\nBanking type\nPromotion interest rate a year\nMinimum placement amount\nApply via\nSGD Time Deposit Rate\nCurrency\nTenure (months)\nBanking type\nPromotion interest rate a year\nMinimum placement amount\nApply via\nSingapore Dollar\n12\nBranch\n1.05%\nS$20,000\nAny OCBC Branch\n18\n1.10%\nSingapore Dollar\n12\nOnline\n1.10%\nS$20,000\nInternet Banking\nOCBC app\n18\n1.15%\nApply via\nOCBC app\nOCBC app\nto make a placement now.\nView SGD board\nrates\nView foreign currency board\nrates\nThe minimum placement amount for the above SGD promotion is S$20,000. The maximum placement amount for this Time Deposit promotion is S$5,000,000 or its equivalent, when you place your deposit at our branches. For online placement, the maximum placement amount is S$999,999. For deposits above S$1 million, please contact us at 1800 363 3333 or visit any\nOCBC Bank branch\n. This promotion is not available for placements via Supplementary Retirement Scheme (SRS) funds.\nHOW TO PLACE A time deposit (TD) VIA OCBC Digital\nMake a new TD placement by following these simple steps:\nHOW TO APPLY FOR CPF TIME DEPOSIT\nMy CPF Investment Account is with\nMy CPF Investment Account is with\nOCBC\nother banks\nHOW TO APPLY FOR OCBC Digital\nIf you don’t have OCBC Digital, you can refer to this step-by-step guide on how to apply for OCBC Digital access:\nBank safely with OCBC Money Lock\nSafeguard your SGD Time Deposit account(s) with our anti-scam security feature\nUse OCBC Money Lock to secure your Time Deposit for greater peace of mind. Lock your account(s) to prevent changes to maturity instructions – or any unauthorised withdrawals before placement matures – from being made digitally.\nBefore you apply\nEligibility requirements\nMinimum age\n18 years old\nDocuments required\nNRIC and an image of your signature for Singaporeans and Singapore PRs\nPassport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners\nAdditional document\nInclude any one of the following documents that shows your residential address\nPhone bill\nHalf-yearly CPF statement\nAny bank statement\nDeposit requirements\nMinimum placement\n$5,000 in SGD currency\n$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies\n$50,000 in HKD currency\n$250,000 in CNH currency\nLetters\nYou will receive electronic versions of Letters for all your relationships\/accounts.\nBanking services\nBanking services\nways to apply\nOpen your Time Deposit (Fixed Deposit) Account today\nor visit us at a branch with\nthese documents\n.\nPlease download OCBC Digital app\nAlternatively, you may log in to OCBC Internet Banking via desktop.\nFAQs\nCan I make changes to an existing Time Deposit?\nYes, you can change the maturity instructions multiple times via OCBC Digital app or at any OCBC branch, up to 2 working days before maturity.\nFor early withdrawal of your Time Deposit, you can do it via OCBC Digital app. Please note that an early withdrawal fee may be applicable and you may receive lesser or no interest at point of withdrawal too.\nCan I renew my Time Deposit upon maturity and at prevailing promotional rates ?\nYou may renew your existing Time Deposit at the prevailing promotional rates if your Time Deposit is maturing in the next 5 days. Simply submit your request via OCBC Digital app. \nYou may refer to the\nfrequently asked questions\non renewal at promotional rates.\nI have submitted my application for CPF Fixed Deposit (CPF FD). Why is my CPF Ordinary Account (CPF OA) not yet debited\/why is the CPF FD placement not done yet?\nYour CPF FD will be processed within 3 working days upon submission of your application. Your CPF Investment Account (CPF-IA) will not be debited when the application is submitted and will only be debited once the application for CPF FD placement is successful. Thank you for your patience.\nAre there any fees for placing CPF Fixed Deposit (CPF FD)?\nFor placement of CPF FD, there are transaction and custodian fees which are chargeable by your CPF Investment Account (CPF-IA) agent bank. You may check with your CPF-IA agent bank for more details on the fees.\nIf you have your CPF-IA with OCBC, you may refer to the\nSchedule of Fees and Charges\n.\nWhat are the CPF Ordinary Account (CPF OA) balances I can use for placing into CPF Fixed Deposit (CPF FD)?\nThe first S$20,000 in your CPF OA cannot be used for placing into CPF FD. You can only invest CPF OA balances\nabove\nS$20,000, taking into account the CPF FD Principal amount and transactions fees.\nWhat is the minimum and maximum placement amount I can put in CPF Time Deposit (CPF TD)?\nThe minimum is S$30,000, up to a maximum of S$999,999 per placement. You may place multiple placements with one instruction form per placement. Each placement is one transaction.\nMore questions and\nanswers\nForeign Currency Deposits\nForeign currency deposits are subject to exchange rate fluctuations that may provide opportunities and risks. Earnings on foreign currency deposits would be dependent on the exchanges rates prevalent at the time of their maturity if any conversion takes place. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency deposit is suitable for you in the light of your investment objectives, financial means and risk profile. Any pre-termination costs will be deducted from your deposit.\nPromotional interest rate\n1\nFor Singaporeans and Permanent Residents:\nNRIC and an image of your signature\nFor foreigners:\nPassport\nEmployment Pass (EP); or S-Pass or Student Pass\n2\nMinimum placement:\n$5,000 in SGD currency\n$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies\n$50,000 in HKD currency\n$250,000 in CNH currency\n3\nInclude any one of the following documents:\nPhone bill\nHalf-yearly CPF statement\nAny bank statement\nFor OCBC customers\nFor new customers\nFor OCBC customers\nApply online or open your account at the branch to enjoy promotional rates.\nor\nFor new customers\nApply at a branch with these\nsupporting documents\n \nFor Singaporeans and Permanent Residents:\nNRIC\nFor foreigners:\nPassport\nEmployment Pass (EP); or S-Pass or Student Pass\nMinimum placement:\n$5,000 in SGD currency\n$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies\n$50,000 in HKD currency\n$250,000 in CNH currency\nAdditional documents\nInclude any one of the following documents:\nPhone bill\nHalf-yearly CPF statement\nAny bank statement","attrs_markdown":"![](https:\/\/www.facebook.com\/tr?id=1205034763867173&ev=PageView%0A&noscript=1)\n\n[![OCBC Singapore](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/logo_ocbc.png)](https:\/\/www.ocbc.com\/)\n\n***\n- [Accounts](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#accounts)\n\n- [Cards](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#cards)\n\n- [Loans](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#loans)\n\n- [Insurance](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#insurance)\n\n- [Investments](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#investments)\n\n- [Advisory](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#advisory)\n\n- [More](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#more)\n***\n[Login](https:\/\/internet.ocbc.com\/internet-banking\/)\n\n[Login to online banking](https:\/\/internet.ocbc.com\/internet-banking\/)\n\nYou are in\n***\n\n- [Premier Banking](https:\/\/www.ocbc.com\/premier-banking)\n- [Digital Banking](https:\/\/www.ocbc.com\/personal-banking\/digital-banking)\n- [Security](https:\/\/www.ocbc.com\/personal-banking\/security\/overview)\n- [Branches & ATMs](https:\/\/www.ocbc.com\/personal-banking\/locations)\n- [Get help](https:\/\/www.ocbc.com\/personal-banking\/help-and-support)\n***\n\n[Login](https:\/\/internet.ocbc.com\/internet-banking\/)\n\n[Login to online banking](https:\/\/internet.ocbc.com\/internet-banking\/)\n\nAccounts\n\nDay-to-day Banking\n\n[360 Account](https:\/\/www.ocbc.com\/personal-banking\/deposits\/360-savings-account)\n\nSavings\n\n[Bonus+ Savings Account](https:\/\/www.ocbc.com\/personal-banking\/deposits\/bonus-plus-savings-account)\n\nForeign Currency\n\n[Global Savings Account](https:\/\/www.ocbc.com\/personal-banking\/deposits\/multi-currency-global-savings-account)\n\nChildren's Account\n\n[OCBC MyOwn Account](https:\/\/www.ocbc.com\/personal-banking\/deposits\/myown-account)\n\n[See all accounts](https:\/\/www.ocbc.com\/personal-banking\/deposits)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/home\/navbar-moa-flyingcape.jpg)\n\nGet more than S\\$320 worth of future-ready enrichment courses today\\!\n\nReceive an exclusive Future‑Ready Starter Kit worth S\\$320 when you sign up your child for an OCBC MyOwn Account from 1 April to 30 June 2026.\n\nT\\&Cs apply. Insured up to S\\$100k by SDIC.\n\n[Find out more](https:\/\/www.ocbc.com\/personal-banking\/deposits\/myown-account)\n\nCards\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/navbar_cardface-infinity.png)\n\nUnlimited cashback on your spending\n\n[OCBC INFINITY Cashback Card](https:\/\/www.ocbc.com\/personal-banking\/cards\/infinity-unlimited-cashback-card)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/navbar_cardface-365visacc.png)\n\nFor everyday spending\n\n[OCBC 365 Credit Card](https:\/\/www.ocbc.com\/personal-banking\/cards\/365-cashback-credit-card)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/cards\/rewards-card\/rewardscard-noshadow.png)\n\nGet rewarded for shopping\n\n[OCBC Rewards Card](https:\/\/www.ocbc.com\/personal-banking\/cards\/rewards-card)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/navbar_cardface-90n.png)\n\nDaily spend for future travels\n\n[OCBC 90°N Card](https:\/\/www.ocbc.com\/personal-banking\/cards\/90-degrees-travel-credit-card.page)\n\n[See all cards](https:\/\/www.ocbc.com\/personal-banking\/cards)\n\nLoans\n\nPersonal\n\n[EasiCredit](https:\/\/www.ocbc.com\/personal-banking\/loans\/easicredit-flexible-repayment-cash-loan)\n\nHome\n\n[Home Loans](https:\/\/www.ocbc.com\/personal-banking\/loans\/home-loans)\n\nCar\n\n[Car Loan](https:\/\/www.ocbc.com\/personal-banking\/loans\/car-loans)\n\nStudent\n\n[Tuition Fee Loan](https:\/\/www.ocbc.com\/personal-banking\/loans\/student-loans\/tuition-fee-loan)\n\n[See all loans](https:\/\/www.ocbc.com\/personal-banking\/loans)\n\nInsurance\n\nInvestment-linked\n\n[Investment-linked Insurance Plan 2](https:\/\/www.ocbc.com\/personal-banking\/insurance\/investment-linked-insurance-plan-2)\n\nAccident & Health\n\n[My GREAT PA Plan](https:\/\/www.ocbc.com\/personal-banking\/insurance\/mygreatpaplan)\n\nProtection\n\n[GREAT Term Guard](https:\/\/www.ocbc.com\/personal-banking\/insurance\/great-term-guard)\n\nTravel, Home & Car\n\n[GREAT TravelCare](https:\/\/www.ocbc.com\/personal-banking\/insurance\/great-travelcare-insurance)\n\n[See all insurances](https:\/\/www.ocbc.com\/personal-banking\/insurance)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/home\/navbar-insurance-aug25.jpg)\n\nEnjoy discounts of up to 40% when you apply for eligible insurance plans\n\n[Learn more](https:\/\/www.ocbc.com\/personal-banking\/insurance#section-promo)\n\nInvestments\n\nTop fund ideas\n\n[Unit Trusts](https:\/\/www.ocbc.com\/personal-banking\/investments\/unit-trusts\/what-are-unit-trusts)\n\nTrade across 15 global exchanges\n\n[Online Equities Account](https:\/\/www.ocbc.com\/personal-banking\/investments\/online-equities-account)\n\n38 portfolios from just 100 USD\n\n[OCBC RoboInvest](https:\/\/www.ocbc.com\/personal-banking\/investments\/roboinvest)\n\nDiversify with gold & silver\n\n[Precious Metals Account](https:\/\/www.ocbc.com\/personal-banking\/investments\/precious-metals-account)\n\n[See all investments](https:\/\/www.ocbc.com\/personal-banking\/investments)\n\nForeign Currency Exchange\n\nConveniently and securely exchange AUD, CAD, CHF**NEW**, CNH, EUR, GBP, HKD, JPY, NZD and USD, 24\/7 via OCBC Digital, for your overseas transfer, travel payments, online spends, investments and more.\n\n[Learn more](https:\/\/www.ocbc.com\/personal-banking\/investments\/forex-trading)\n\nSupplementary Retirement Scheme (SRS)\n\nReduce your taxable income by the same amount contributed to your SRS Account, with a maximum yearly contribution of S\\$15,300 for Singaporeans and Singapore PRs, and S\\$35,700 for foreigners.\n\n[Learn more](https:\/\/www.ocbc.com\/personal-banking\/investments\/supplementary-retirement-scheme-account)\n\nAdvisory\n\nThe OCBC SeniorCare Programme empowers you through four key pillars: Health, Wealth, Lifestyle and Literacy.\n\n[SeniorCare Programme](https:\/\/www.ocbc.com\/personal-banking\/seniorcare-programme)\n\nAchieve your goals with proper financial planning.\n\n[Life Goals](https:\/\/www.ocbc.com\/personal-banking\/start-planning)\n\nGet data and insights into the financial wellness of Singaporeans.\n\n[Financial Wellness Index 2023](https:\/\/www.ocbc.com\/group\/financial-wellness-index\/understand-the-index.html)\n\nGet rewarded for what matters: your salary, your lifestyle, and your smart savings habits.\n\n[Beyond your 9-5 Starter Kit](https:\/\/www.ocbc.com\/personal-banking\/campaign\/beyondyour9to5)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/navbar_startplanning.jpg)\n\nStart planning and get ahead with OCBC\n\nFrom financial planning tools, investment options and insurance, our comprehensive array of solutions have been built to get you ahead in your every goal and ambition.\n\n[Start planning today](https:\/\/www.ocbc.com\/personal-banking\/start-planning)\n\nMore\n\nExperience banking, dining, and shopping all in one place at our award‑winning lifestyle branch. Enjoy exclusive discounts when you pay with your OCBC cards or app. Visit us to experience it firsthand\\!\n\n[Bank, dine and shop at OCBC Wisma Atria](https:\/\/www.ocbc.com\/personal-banking\/ocbc-wisma)\n\nFrom healthcare benefits to employee engagement programmes and banking perks, enjoy benefits for both employers and employees alike.\n\n[Banking made for businesses, and the people behind them](https:\/\/www.ocbc.com\/personal-banking\/workplace-banking.page)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/navbar_travelready.jpg)\n\nGet travel-ready with OCBC\n\nWith our suite of travel products and services, spend less effort managing your travel and more time enjoying life's journeys.\n\n[Find out more](https:\/\/www.ocbc.com\/personal-banking\/campaign\/travelready)\n\n- [Home](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#section-home \"Home\")\n- [Rates](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#section-rates \"Rates\")\n- [Before you apply](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#section-beforeyouapply \"Before you apply\")\n- [Banking services](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#section-bankingservices \"Banking services\")\n- [FAQs](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#section-faqs \"FAQs\")\n\n[Apply online](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#section-waystoapply)\n\n- [Personal Banking](https:\/\/www.ocbc.com\/personal-banking\/)\n- [Accounts](https:\/\/www.ocbc.com\/personal-banking\/deposits.page)\n- Time Deposit\n\n# Time deposit (Fixed deposit)\n## Secure higher returns for your money\n\n- [Why you will love this](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#tab1)\n- [Who can apply](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#tab2)\n\n**Why you will love this**\n\nYour choice of a foreign currency or SGD time deposit\n\nEnjoy higher interest compared to a regular savings account\n\n**Who can apply**\n\nAnyone above 18 years old\n\nSingaporean, Singapore PR or foreigner with a valid pass\n\n[Apply online](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#section-waystoapply)\n## With secured returns come greater peace of mind. Secure tomorrow's gains by taking action today.\nTime Deposit (Fixed Deposit) Rates\n\n- Currency\n- Banking type\n- Promotion interest rate a year\n- Minimum placement amount\n- Apply via\n\n|   |   |   |   |   |   |\n|---|---|---|---|---|---|\n| **SGD Time Deposit Rate** |   |   |   |   |   |\n| **Currency** | **Tenure (months)** | **Banking type** | **Promotion interest rate a year** | **Minimum placement amount** | **Apply via** |\n| **Singapore Dollar** | 12 | Branch | 1\\.05% | S\\$20,000 | Any OCBC Branch |\n| 18 | 1\\.10% |   |   |   |   |\n| **Singapore Dollar** | 12 | Online | 1\\.10% | S\\$20,000 | [Internet Banking](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=fd)   [OCBC app](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=fd) |\n| 18 | 1\\.15% |   |   |   |   |\n\nApply via [OCBC app](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=cpftd)[OCBC app](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#popup-qrcode) to make a placement now.\n\n[View SGD board rates](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-sgd-interest-rates.page)\n\n[View foreign currency board rates](https:\/\/www.ocbc.com\/personal-banking\/deposits\/interest-rates.page)\n\nThe minimum placement amount for the above SGD promotion is S\\$20,000. The maximum placement amount for this Time Deposit promotion is S\\$5,000,000 or its equivalent, when you place your deposit at our branches. For online placement, the maximum placement amount is S\\$999,999. For deposits above S\\$1 million, please contact us at 1800 363 3333 or visit any [OCBC Bank branch](https:\/\/www.ocbc.com\/personal-banking\/contact-us.page#section-findabranch). This promotion is not available for placements via Supplementary Retirement Scheme (SRS) funds.\n\nHOW TO PLACE A time deposit (TD) VIA OCBC Digital\n\n#### Make a new TD placement by following these simple steps:\n[**1** After logging in to the app, tap on the left menu bar and select “Apply”. Then, navigate to “Accounts” and select “Time Deposit” ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-01.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-td-1)\n\n[**2** Select account type for TD placement – “SGD Time Deposit” ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-02.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-td-2)\n\n[**3** Select funding account, fill in placement amount, tenor, interest rate and maturity instruction ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-03.png)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-td-3)\n\n[**4** Tap on “Agree” to accept the terms and conditions ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-04.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-td-4)\n\n[**5** Review your placement details and tap on “Submit” to proceed ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-05.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-td-5)\n\n[**6** Your TD placement is successful! ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-06.png)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-td-6)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-01.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-02.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-03.png)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-04.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-05.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-06.png)\n\nHOW TO APPLY FOR CPF TIME DEPOSIT\n\n#### **My CPF Investment Account is with**\n#### **My CPF Investment Account is with**\n- [OCBC](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#cpftd-ocbc)\n- [other banks](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#cpftd-others)\n\n[**1** Log in to the OCBC Digital app and tap on “Apply”, followed by “Accounts”. Then, select “CPF Time Deposit”. ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-01.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-1)\n\n[**2** Read the on-screen instructions before proceeding. ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-02.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-2)\n\n[**3** Key in your preferred amount (between S\\$30,000 and S\\$999,999). Then, select \"Next\". ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-03.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-3)\n\n[**4** Review your application and slide to confirm. After that, your application is all set! ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-04.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-4)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-01.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-02.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-03.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-04.gif)\n\n[**1** Log in to the OCBC Digital app and tap on “Apply”, followed by “Accounts”. Then, select “CPF Time Deposit”. ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-01.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-1)\n\n[**2** Select “Yes” if you have a CPF Investment Account with another bank. ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-02.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-2)\n\n[**3** Read the on-screen instructions before proceeding. ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-03.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-3)\n\n[**4** Key in your preferred amount (between S\\$30,000 and S\\$999,999). Then, select \"Next\". ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-04.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-4)\n\n[**5** Review your application and slide to confirm. After that, your application is all set! ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-05.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applycpftd-5)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-01.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-02.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-03.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-04.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-05.gif)\n\nHOW TO APPLY FOR OCBC Digital\n\n#### If you don’t have OCBC Digital, you can refer to this step-by-step guide on how to apply for OCBC Digital access:\n[**1** Download OCBC Digital, tap on “Trouble Logging In?” and select “Get help” ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step1.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applydb-1)\n\n[**2** Fill in your ATM\/credit\/debit card details (Last 8 digits of card no. & 6-digit PIN) ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step2.png)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applydb-2)\n\n[**3** Fill in your personal details, enter the generated captcha and tap on \"Next\". Then, tap on “Agree” to accept the terms and conditions ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step3.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applydb-3)\n\n[**4** Enter your current ATM\/credit\/debit card PIN, create and confirm your new 6-digit Online Banking PIN and tap on “Next” ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step4.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applydb-4)\n\n[**5** Tap on “Submit” to confirm your mobile number ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step5.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applydb-5)\n\n[**6** You have successfully registered for SMS OTP. Tap on \"Next\" to proceed to set up OneToken ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step6.gif)](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#steps-applydb-6)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step1.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step2.png)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step3.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step4.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step5.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step6.gif)\n\nBank safely with OCBC Money Lock\n\n![Safeguard your SGD Time Deposit account(s) with our anti-scam security feature](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/kv-moneylock-feb24.jpg)\n\n### **Safeguard your SGD Time Deposit account(s) with our anti-scam security feature**\nUse OCBC Money Lock to secure your Time Deposit for greater peace of mind. Lock your account(s) to prevent changes to maturity instructions – or any unauthorised withdrawals before placement matures – from being made digitally.\n\n[Find out more](https:\/\/www.ocbc.com\/personal-banking\/security\/secure-banking-ways\/ocbc-moneylock)\n\nBefore you apply\n\n#### Eligibility requirements\nMinimum age\n\n18 years old\n\nDocuments required\n\nNRIC and an image of your signature for Singaporeans and Singapore PRs\n\nPassport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners\n\nAdditional document\n\nInclude any one of the following documents that shows your residential address\n\n- Phone bill\n- Half-yearly CPF statement\n- Any bank statement\n***\n#### Deposit requirements\nMinimum placement\n\n\\$5,000 in SGD currency\n\n\\$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies\n\n\\$50,000 in HKD currency\n\n\\$250,000 in CNH currency\n***\n#### Letters\nYou will receive electronic versions of Letters for all your relationships\/accounts.\n***\n#### **Terms and conditions**\n[Terms and conditions governing Deposit Accounts](https:\/\/www.ocbc.com\/personal-banking\/terms-and-conditions\/terms-and-conditions-governing-deposit-accounts)\n\n[Terms and conditions governing Electronic Banking Services](https:\/\/www.ocbc.com\/personal-banking\/terms-and-conditions\/terms-and-conditions-governing-electronic-banking-services)\n\n[Terms and conditions governing OCBC Time Deposit Promotional Rates](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/accounts\/terms-and-conditions-governing-ocbc-time-deposit-promotional-rates.pdf)\n\n[Terms and Conditions Governing the OCBC Online Time Deposit Promotion Code](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/accounts\/terms_and_conditions_governing_the_ocbc_online_time_deposit_promotion_code.pdf)\n***\n#### **Important notices**\n[Insured Deposits Register](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/accounts\/sdic-register-of-insured-deposits.pdf)\n\n[Fees and charges](https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/general#content-useful-forms)\n\n[Foreign Currency Deposits](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#popup-foreign-currency-deposits)\n\n[Deposit Insurance Scheme](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/notices\/deposit-insurance-scheme.pdf)\n***\n\nBanking services\n\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/online-banking-icon@3x.png)Manage your account with OCBC Online Banking](https:\/\/internet.ocbc.com\/internet-banking\/)\n\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/bank-icon@3x.png)We are open every day at 9 branches, from 11am to 4\\.30pm](https:\/\/www.ocbc.com\/personal-banking\/contact-us)\n\nBanking services\n\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/online-banking-icon@3x.png)Manage your account with OCBC Online Banking](https:\/\/internet.ocbc.com\/internet-banking\/)\n\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/bank-icon@3x.png)We are open every day at 9 branches, from 11am to 4\\.30pm](https:\/\/www.ocbc.com\/personal-banking\/contact-us)\n\nways to apply\n\n### Open your Time Deposit (Fixed Deposit) Account today\n[Apply online](https:\/\/internet.ocbc.com\/internet-banking\/FDPlacement\/Index?id=T_&type=LCY&redir=1&rc=INB)\n\n[Apply online](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=fd)\n\nor visit us at a branch with [these documents](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#document-apply-online).\n\n[Locate a branch](https:\/\/www.ocbc.com\/personal-banking\/contact-us)\n\n#### Please download OCBC Digital app\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/digitalbanking\/digital-banking-services\/cta-apple-store.png)](https:\/\/apps.apple.com\/sg\/app\/ocbc-sg-mobile-banking\/id292506828)\n\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/digitalbanking\/digital-banking-services\/cta-google-play.png)](https:\/\/play.google.com\/store\/apps\/details?id=com.ocbc.mobile&hl=en)\n\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/digitalbanking\/digital-banking-services\/cta-huawei.png)](https:\/\/appgallery.cloud.huawei.com\/marketshare\/app\/C101921711?locale=en_GB&source=appshare&subsource=C101921711)\n\nAlternatively, you may log in to OCBC Internet Banking via desktop.\n\nFAQs\n\n##### **Common questions**\n[More questions and answers](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/accounts\/cpf-time-deposit-faq.pdf)\n\nCan I make changes to an existing Time Deposit?\n\nYes, you can change the maturity instructions multiple times via OCBC Digital app or at any OCBC branch, up to 2 working days before maturity.\n\nFor early withdrawal of your Time Deposit, you can do it via OCBC Digital app. Please note that an early withdrawal fee may be applicable and you may receive lesser or no interest at point of withdrawal too.\n\nCan I renew my Time Deposit upon maturity and at prevailing promotional rates ?\n\nYou may renew your existing Time Deposit at the prevailing promotional rates if your Time Deposit is maturing in the next 5 days. Simply submit your request via OCBC Digital app.\n\nYou may refer to the [frequently asked questions](https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/accounts\/time-deposits#renew-at-promotional-rate) on renewal at promotional rates.\n\nI have submitted my application for CPF Fixed Deposit (CPF FD). Why is my CPF Ordinary Account (CPF OA) not yet debited\/why is the CPF FD placement not done yet?\n\nYour CPF FD will be processed within 3 working days upon submission of your application. Your CPF Investment Account (CPF-IA) will not be debited when the application is submitted and will only be debited once the application for CPF FD placement is successful. Thank you for your patience.\n\nAre there any fees for placing CPF Fixed Deposit (CPF FD)?\n\nFor placement of CPF FD, there are transaction and custodian fees which are chargeable by your CPF Investment Account (CPF-IA) agent bank. You may check with your CPF-IA agent bank for more details on the fees.\n\nIf you have your CPF-IA with OCBC, you may refer to the [Schedule of Fees and Charges](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/investments\/cpfia_schedule_of_charges_201112.pdf).\n\nWhat are the CPF Ordinary Account (CPF OA) balances I can use for placing into CPF Fixed Deposit (CPF FD)?\n\nThe first S\\$20,000 in your CPF OA cannot be used for placing into CPF FD. You can only invest CPF OA balances above S\\$20,000, taking into account the CPF FD Principal amount and transactions fees.\n\nWhat is the minimum and maximum placement amount I can put in CPF Time Deposit (CPF TD)?\n\nThe minimum is S\\$30,000, up to a maximum of S\\$999,999 per placement. You may place multiple placements with one instruction form per placement. Each placement is one transaction.\n\nHow can I withdraw an existing Time Deposit?\n\nYou may refer to the [frequently asked questions](https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/accounts\/time-deposits) on withdrawal of Time Deposit.\n\n[More questions and answers](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/accounts\/cpf-time-deposit-faq.pdf)\n\n#### Foreign Currency Deposits\nForeign currency deposits are subject to exchange rate fluctuations that may provide opportunities and risks. Earnings on foreign currency deposits would be dependent on the exchanges rates prevalent at the time of their maturity if any conversion takes place. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency deposit is suitable for you in the light of your investment objectives, financial means and risk profile. Any pre-termination costs will be deducted from your deposit.\n\n#### ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/icon_light_bulb_grey.png)Promotional interest rate\n|   |   |   |\n|---|---|---|\n| **Currency** | **Tenure (months)** | **Apply via** |\n| Singapore Dollar (SGD) | 12 | [Internet Banking](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=fd)   [Mobile Banking](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=fd) |\n\n1\n\n##### **For Singaporeans and Permanent Residents:**\n\nNRIC and an image of your signature\n\n##### **For foreigners:**\nPassport   \nEmployment Pass (EP); or S-Pass or Student Pass\n\n2\n\n##### **Minimum placement:**\n\n\\$5,000 in SGD currency  \n\\$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies  \n\\$50,000 in HKD currency  \n\\$250,000 in CNH currency\n\n3\n\n##### **Include any one of the following documents:**\n\nPhone bill   \nHalf-yearly CPF statement   \nAny bank statement\n\n- [**For OCBC customers**](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#m-item-1)\n- [**For new customers**](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#m-item-2)\n\n### **For OCBC customers**\nApply online or open your account at the branch to enjoy promotional rates.\n\n[Log in](https:\/\/internet.ocbc.com\/internet-banking\/?pid=sg:en:others:accounts:onlinebanking:Nov16:internal:timedeposit_LP:::::)\n\nor\n\n**For new customers**\n\nApply at a branch with these [supporting documents](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#document-toggle)\n\n1. **For Singaporeans and Permanent Residents:**\n   - NRIC\n   **For foreigners:**\n   - Passport\n   - Employment Pass (EP); or S-Pass or Student Pass\n2. **Minimum placement:**\n   - \\$5,000 in SGD currency\n   - \\$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies\n   - \\$50,000 in HKD currency\n   - \\$250,000 in CNH currency\n3. **Additional documents  Include any one of the following documents:**\n   - Phone bill\n   - Half-yearly CPF statement\n   - Any bank statement\n\n[Locate a branch](https:\/\/www.ocbc.com\/personal-banking\/contact-us.page)\n\n#### Scan to start application:\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/qrcode-timedeposits-cpftd.png)\n\n![OCBC Bank logo](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/logo_ocbc.png)\n\nPersonal Banking\n\nYou are in\n***\n[Premier Banking](https:\/\/www.ocbc.com\/premier-banking)\n\n[Business Banking](https:\/\/www.ocbc.com\/business-banking\/index.html)\n\n[OCBC Group](https:\/\/www.ocbc.com\/group\/index.html)\n***\n\nUseful links\n\n[OCBC Online Banking](https:\/\/internet.ocbc.com\/internet-banking\/)\n\n[ATM and Branch locator](https:\/\/www.ocbc.com\/personal-banking\/locations)\n\n[Help and Support](https:\/\/www.ocbc.com\/personal-banking\/help-and-support)\n\n[Important Documents](https:\/\/www.ocbc.com\/personal-banking\/important-documents)\n\n[Report Vulnerability](https:\/\/www.ocbc.com\/group\/vdp)\n\nUseful links\n\n[OCBC Online Banking](https:\/\/internet.ocbc.com\/internet-banking\/)\n\n[ATM and Branch locator](https:\/\/www.ocbc.com\/personal-banking\/locations)\n\n[Help and Support](https:\/\/www.ocbc.com\/personal-banking\/help-and-support)\n\n[Important Documents](https:\/\/www.ocbc.com\/personal-banking\/important-documents)\n\n[Report Vulnerability](https:\/\/www.ocbc.com\/group\/vdp)\n***\n\nGet in touch with us\n\n[Contact Us](https:\/\/www.ocbc.com\/personal-banking\/contact-us)\n\n[\\+65 6363 3333](tel:+6563633333)\n***\n\\&nbsp \\&nbsp \\&nbsp  \\&nbsp \\&nbsp \\&nbsp  \\&nbsp \\&nbsp \\&nbsp  \\&nbsp \\&nbsp \\&nbsp\n\n[Conditions of Access](https:\/\/www.ocbc.com\/personal-banking\/conditions-of-access)[Policies](https:\/\/www.ocbc.com\/personal-banking\/policies)[Notices](https:\/\/www.ocbc.com\/personal-banking\/notices)\n\n© Copyright 2004 –  – OCBC Bank. All Rights Reserved. Co. Reg. No.: 193200032W\n\n#### Are you sure you want to leave our site?\nYou are leaving the OCBC Bank website and about to enter a third party website that OCBC Bank has no control over and is not responsible for. Before you proceed to use the third party website, please review the terms of use and privacy policy of their website. OCBC Bank’s [Conditions of Access](https:\/\/www.ocbc.com\/personal-banking\/conditions-of-access) and [Privacy and Security Policies](https:\/\/www.ocbc.com\/personal-banking\/policies) do not apply at third party websites.\n\n[I would like to stay]()[Leave website]()","attrs_readable_markdown":"With secured returns come greater peace of mind. Secure tomorrow's gains by taking action today.\n\nTime Deposit (Fixed Deposit) Rates\n\n- Currency\n- Banking type\n- Promotion interest rate a year\n- Minimum placement amount\n- Apply via\n\n|   |   |   |   |   |   |\n|---|---|---|---|---|---|\n| **SGD Time Deposit Rate** |   |   |   |   |   |\n| **Currency** | **Tenure (months)** | **Banking type** | **Promotion interest rate a year** | **Minimum placement amount** | **Apply via** |\n| **Singapore Dollar** | 12 | Branch | 1\\.05% | S\\$20,000 | Any OCBC Branch |\n| 18 | 1\\.10% |   |   |   |   |\n| **Singapore Dollar** | 12 | Online | 1\\.10% | S\\$20,000 | [Internet Banking](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=fd)   [OCBC app](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=fd) |\n| 18 | 1\\.15% |   |   |   |   |\n\nApply via [OCBC app](https:\/\/internet.ocbc.com\/internet-banking\/PublicPushNotification\/Redirect?code=cpftd)[OCBC app](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#popup-qrcode) to make a placement now.\n\n[View SGD board rates](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-sgd-interest-rates.page)\n\n[View foreign currency board rates](https:\/\/www.ocbc.com\/personal-banking\/deposits\/interest-rates.page)\n\nThe minimum placement amount for the above SGD promotion is S\\$20,000. The maximum placement amount for this Time Deposit promotion is S\\$5,000,000 or its equivalent, when you place your deposit at our branches. For online placement, the maximum placement amount is S\\$999,999. For deposits above S\\$1 million, please contact us at 1800 363 3333 or visit any [OCBC Bank branch](https:\/\/www.ocbc.com\/personal-banking\/contact-us.page#section-findabranch). This promotion is not available for placements via Supplementary Retirement Scheme (SRS) funds.\n\nHOW TO PLACE A time deposit (TD) VIA OCBC Digital\n\n#### Make a new TD placement by following these simple steps:\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-01.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-02.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-03.png)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-04.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-05.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/digiapp-steps_td-06.png)\n\nHOW TO APPLY FOR CPF TIME DEPOSIT\n\n#### **My CPF Investment Account is with**\n#### **My CPF Investment Account is with**\n- [OCBC](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#cpftd-ocbc)\n- [other banks](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#cpftd-others)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-01.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-02.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-03.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_ocbc-04.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-01.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-02.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-03.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-04.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applycpftd_others-05.gif)\n\nHOW TO APPLY FOR OCBC Digital\n\n#### If you don’t have OCBC Digital, you can refer to this step-by-step guide on how to apply for OCBC Digital access:\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step1.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step2.png)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step3.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step4.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step5.gif)\n\n![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/applydb_step6.gif)\n\nBank safely with OCBC Money Lock\n\n![Safeguard your SGD Time Deposit account(s) with our anti-scam security feature](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/accounts\/fixed-deposit-account\/kv-moneylock-feb24.jpg)\n\n### **Safeguard your SGD Time Deposit account(s) with our anti-scam security feature**\nUse OCBC Money Lock to secure your Time Deposit for greater peace of mind. Lock your account(s) to prevent changes to maturity instructions – or any unauthorised withdrawals before placement matures – from being made digitally.\n\nBefore you apply\n\nEligibility requirements\n\nMinimum age\n\n18 years old\n\nDocuments required\n\nNRIC and an image of your signature for Singaporeans and Singapore PRs\n\nPassport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners\n\nAdditional document\n\nInclude any one of the following documents that shows your residential address\n\n- Phone bill\n- Half-yearly CPF statement\n- Any bank statement\n\nDeposit requirements\n\nMinimum placement\n\n\\$5,000 in SGD currency\n\n\\$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies\n\n\\$50,000 in HKD currency\n\n\\$250,000 in CNH currency\n\nLetters\n\nYou will receive electronic versions of Letters for all your relationships\/accounts.\n\nBanking services\n\nBanking services\n\nways to apply\n\n### Open your Time Deposit (Fixed Deposit) Account today\nor visit us at a branch with [these documents](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#document-apply-online).\n\n#### Please download OCBC Digital app\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/digitalbanking\/digital-banking-services\/cta-apple-store.png)](https:\/\/apps.apple.com\/sg\/app\/ocbc-sg-mobile-banking\/id292506828)\n\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/digitalbanking\/digital-banking-services\/cta-google-play.png)](https:\/\/play.google.com\/store\/apps\/details?id=com.ocbc.mobile&hl=en)\n\n[![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/live\/digitalbanking\/digital-banking-services\/cta-huawei.png)](https:\/\/appgallery.cloud.huawei.com\/marketshare\/app\/C101921711?locale=en_GB&source=appshare&subsource=C101921711)\n\nAlternatively, you may log in to OCBC Internet Banking via desktop.\n\nFAQs\n\nCan I make changes to an existing Time Deposit?\n\nYes, you can change the maturity instructions multiple times via OCBC Digital app or at any OCBC branch, up to 2 working days before maturity.\n\nFor early withdrawal of your Time Deposit, you can do it via OCBC Digital app. Please note that an early withdrawal fee may be applicable and you may receive lesser or no interest at point of withdrawal too.\n\nCan I renew my Time Deposit upon maturity and at prevailing promotional rates ?\n\nYou may renew your existing Time Deposit at the prevailing promotional rates if your Time Deposit is maturing in the next 5 days. Simply submit your request via OCBC Digital app.\n\nYou may refer to the [frequently asked questions](https:\/\/www.ocbc.com\/personal-banking\/help-and-support\/accounts\/time-deposits#renew-at-promotional-rate) on renewal at promotional rates.\n\nI have submitted my application for CPF Fixed Deposit (CPF FD). Why is my CPF Ordinary Account (CPF OA) not yet debited\/why is the CPF FD placement not done yet?\n\nYour CPF FD will be processed within 3 working days upon submission of your application. Your CPF Investment Account (CPF-IA) will not be debited when the application is submitted and will only be debited once the application for CPF FD placement is successful. Thank you for your patience.\n\nAre there any fees for placing CPF Fixed Deposit (CPF FD)?\n\nFor placement of CPF FD, there are transaction and custodian fees which are chargeable by your CPF Investment Account (CPF-IA) agent bank. You may check with your CPF-IA agent bank for more details on the fees.\n\nIf you have your CPF-IA with OCBC, you may refer to the [Schedule of Fees and Charges](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/investments\/cpfia_schedule_of_charges_201112.pdf).\n\nWhat are the CPF Ordinary Account (CPF OA) balances I can use for placing into CPF Fixed Deposit (CPF FD)?\n\nThe first S\\$20,000 in your CPF OA cannot be used for placing into CPF FD. You can only invest CPF OA balances above S\\$20,000, taking into account the CPF FD Principal amount and transactions fees.\n\nWhat is the minimum and maximum placement amount I can put in CPF Time Deposit (CPF TD)?\n\nThe minimum is S\\$30,000, up to a maximum of S\\$999,999 per placement. You may place multiple placements with one instruction form per placement. Each placement is one transaction.\n\n[More questions and answers](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/pdf\/accounts\/cpf-time-deposit-faq.pdf)\n\n#### Foreign Currency Deposits\nForeign currency deposits are subject to exchange rate fluctuations that may provide opportunities and risks. Earnings on foreign currency deposits would be dependent on the exchanges rates prevalent at the time of their maturity if any conversion takes place. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency deposit is suitable for you in the light of your investment objectives, financial means and risk profile. Any pre-termination costs will be deducted from your deposit.\n#### ![](https:\/\/www.ocbc.com\/iwov-resources\/sg\/ocbc\/personal\/img\/icon_light_bulb_grey.png)Promotional interest rate\n\n1\n\n##### **For Singaporeans and Permanent Residents:**\n\nNRIC and an image of your signature\n\n**For foreigners:**\n\nPassport   \nEmployment Pass (EP); or S-Pass or Student Pass\n\n2\n\n##### **Minimum placement:**\n\n\\$5,000 in SGD currency  \n\\$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies  \n\\$50,000 in HKD currency  \n\\$250,000 in CNH currency\n\n3\n\n##### **Include any one of the following documents:**\n\nPhone bill   \nHalf-yearly CPF statement   \nAny bank statement\n\n- [**For OCBC customers**](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#m-item-1)\n- [**For new customers**](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#m-item-2)\n\n**For OCBC customers**\n\nApply online or open your account at the branch to enjoy promotional rates.\n\nor\n\n**For new customers**\n\nApply at a branch with these [supporting documents](https:\/\/www.ocbc.com\/personal-banking\/deposits\/fixed-deposit-account#document-toggle)\n\n1. **For Singaporeans and Permanent Residents:**\n   - NRIC\n   **For foreigners:**\n   - Passport\n   - Employment Pass (EP); or S-Pass or Student Pass\n2. **Minimum placement:**\n   - \\$5,000 in SGD currency\n   - \\$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies\n   - \\$50,000 in HKD currency\n   - \\$250,000 in CNH currency\n3. **Additional documents  Include any one of the following documents:**\n   - Phone bill\n   - Half-yearly CPF statement\n   - Any bank statement","meta_canonical":null}

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Page Details

Property	Value
URL	https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account
Last Crawled	2026-04-11 14:12:11 (2 hours ago)
First Indexed	2020-03-01 04:26:48 (6 years ago)
HTTP Status Code	200
Meta Title	OCBC Time Deposit \| Fixed Deposit Singapore \| FD Rates & Promotion
Meta Description	Secure higher returns with OCBC's fixed deposit rates & promotion! Open a Time Deposit (Fixed Deposit) account online with the OCBC Digital app today.
Meta Canonical	null
Boilerpipe Text	With secured returns come greater peace of mind. Secure tomorrow's gains by taking action today. Time Deposit (Fixed Deposit) Rates Currency Banking type Promotion interest rate a year Minimum placement amount Apply via SGD Time Deposit Rate Currency Tenure (months) Banking type Promotion interest rate a year Minimum placement amount Apply via Singapore Dollar 12 Branch 1.05% S$20,000 Any OCBC Branch 18 1.10% Singapore Dollar 12 Online 1.10% S$20,000 Internet Banking OCBC app 18 1.15% Apply via OCBC app OCBC app to make a placement now. View SGD board rates View foreign currency board rates The minimum placement amount for the above SGD promotion is S$20,000. The maximum placement amount for this Time Deposit promotion is S$5,000,000 or its equivalent, when you place your deposit at our branches. For online placement, the maximum placement amount is S$999,999. For deposits above S$1 million, please contact us at 1800 363 3333 or visit any OCBC Bank branch . This promotion is not available for placements via Supplementary Retirement Scheme (SRS) funds. HOW TO PLACE A time deposit (TD) VIA OCBC Digital Make a new TD placement by following these simple steps: HOW TO APPLY FOR CPF TIME DEPOSIT My CPF Investment Account is with My CPF Investment Account is with OCBC other banks HOW TO APPLY FOR OCBC Digital If you don’t have OCBC Digital, you can refer to this step-by-step guide on how to apply for OCBC Digital access: Bank safely with OCBC Money Lock Safeguard your SGD Time Deposit account(s) with our anti-scam security feature Use OCBC Money Lock to secure your Time Deposit for greater peace of mind. Lock your account(s) to prevent changes to maturity instructions – or any unauthorised withdrawals before placement matures – from being made digitally. Before you apply Eligibility requirements Minimum age 18 years old Documents required NRIC and an image of your signature for Singaporeans and Singapore PRs Passport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners Additional document Include any one of the following documents that shows your residential address Phone bill Half-yearly CPF statement Any bank statement Deposit requirements Minimum placement $5,000 in SGD currency $5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies $50,000 in HKD currency $250,000 in CNH currency Letters You will receive electronic versions of Letters for all your relationships/accounts. Banking services Banking services ways to apply Open your Time Deposit (Fixed Deposit) Account today or visit us at a branch with these documents . Please download OCBC Digital app Alternatively, you may log in to OCBC Internet Banking via desktop. FAQs Can I make changes to an existing Time Deposit? Yes, you can change the maturity instructions multiple times via OCBC Digital app or at any OCBC branch, up to 2 working days before maturity. For early withdrawal of your Time Deposit, you can do it via OCBC Digital app. Please note that an early withdrawal fee may be applicable and you may receive lesser or no interest at point of withdrawal too. Can I renew my Time Deposit upon maturity and at prevailing promotional rates ? You may renew your existing Time Deposit at the prevailing promotional rates if your Time Deposit is maturing in the next 5 days. Simply submit your request via OCBC Digital app. You may refer to the frequently asked questions on renewal at promotional rates. I have submitted my application for CPF Fixed Deposit (CPF FD). Why is my CPF Ordinary Account (CPF OA) not yet debited/why is the CPF FD placement not done yet? Your CPF FD will be processed within 3 working days upon submission of your application. Your CPF Investment Account (CPF-IA) will not be debited when the application is submitted and will only be debited once the application for CPF FD placement is successful. Thank you for your patience. Are there any fees for placing CPF Fixed Deposit (CPF FD)? For placement of CPF FD, there are transaction and custodian fees which are chargeable by your CPF Investment Account (CPF-IA) agent bank. You may check with your CPF-IA agent bank for more details on the fees. If you have your CPF-IA with OCBC, you may refer to the Schedule of Fees and Charges . What are the CPF Ordinary Account (CPF OA) balances I can use for placing into CPF Fixed Deposit (CPF FD)? The first S$20,000 in your CPF OA cannot be used for placing into CPF FD. You can only invest CPF OA balances above S$20,000, taking into account the CPF FD Principal amount and transactions fees. What is the minimum and maximum placement amount I can put in CPF Time Deposit (CPF TD)? The minimum is S$30,000, up to a maximum of S$999,999 per placement. You may place multiple placements with one instruction form per placement. Each placement is one transaction. More questions and answers Foreign Currency Deposits Foreign currency deposits are subject to exchange rate fluctuations that may provide opportunities and risks. Earnings on foreign currency deposits would be dependent on the exchanges rates prevalent at the time of their maturity if any conversion takes place. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency deposit is suitable for you in the light of your investment objectives, financial means and risk profile. Any pre-termination costs will be deducted from your deposit. Promotional interest rate 1 For Singaporeans and Permanent Residents: NRIC and an image of your signature For foreigners: Passport Employment Pass (EP); or S-Pass or Student Pass 2 Minimum placement: $5,000 in SGD currency $5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies $50,000 in HKD currency $250,000 in CNH currency 3 Include any one of the following documents: Phone bill Half-yearly CPF statement Any bank statement For OCBC customers For new customers For OCBC customers Apply online or open your account at the branch to enjoy promotional rates. or For new customers Apply at a branch with these supporting documents For Singaporeans and Permanent Residents: NRIC For foreigners: Passport Employment Pass (EP); or S-Pass or Student Pass Minimum placement: $5,000 in SGD currency $5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies $50,000 in HKD currency $250,000 in CNH currency Additional documents Include any one of the following documents: Phone bill Half-yearly CPF statement Any bank statement
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[Learn more](https://www.ocbc.com/personal-banking/investments/forex-trading) Supplementary Retirement Scheme (SRS) Reduce your taxable income by the same amount contributed to your SRS Account, with a maximum yearly contribution of S\$15,300 for Singaporeans and Singapore PRs, and S\$35,700 for foreigners. [Learn more](https://www.ocbc.com/personal-banking/investments/supplementary-retirement-scheme-account) Advisory The OCBC SeniorCare Programme empowers you through four key pillars: Health, Wealth, Lifestyle and Literacy. [SeniorCare Programme](https://www.ocbc.com/personal-banking/seniorcare-programme) Achieve your goals with proper financial planning. [Life Goals](https://www.ocbc.com/personal-banking/start-planning) Get data and insights into the financial wellness of Singaporeans. [Financial Wellness Index 2023](https://www.ocbc.com/group/financial-wellness-index/understand-the-index.html) Get rewarded for what matters: your salary, your lifestyle, and your smart savings habits. [Beyond your 9-5 Starter Kit](https://www.ocbc.com/personal-banking/campaign/beyondyour9to5) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/navbar_startplanning.jpg) Start planning and get ahead with OCBC From financial planning tools, investment options and insurance, our comprehensive array of solutions have been built to get you ahead in your every goal and ambition. [Start planning today](https://www.ocbc.com/personal-banking/start-planning) More Experience banking, dining, and shopping all in one place at our award‑winning lifestyle branch. Enjoy exclusive discounts when you pay with your OCBC cards or app. Visit us to experience it firsthand\! [Bank, dine and shop at OCBC Wisma Atria](https://www.ocbc.com/personal-banking/ocbc-wisma) From healthcare benefits to employee engagement programmes and banking perks, enjoy benefits for both employers and employees alike. [Banking made for businesses, and the people behind them](https://www.ocbc.com/personal-banking/workplace-banking.page) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/navbar_travelready.jpg) Get travel-ready with OCBC With our suite of travel products and services, spend less effort managing your travel and more time enjoying life's journeys. [Find out more](https://www.ocbc.com/personal-banking/campaign/travelready) - [Home](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#section-home "Home") - [Rates](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#section-rates "Rates") - [Before you apply](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#section-beforeyouapply "Before you apply") - [Banking services](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#section-bankingservices "Banking services") - [FAQs](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#section-faqs "FAQs") [Apply online](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#section-waystoapply) - [Personal Banking](https://www.ocbc.com/personal-banking/) - [Accounts](https://www.ocbc.com/personal-banking/deposits.page) - Time Deposit # Time deposit (Fixed deposit) ## Secure higher returns for your money - [Why you will love this](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#tab1) - [Who can apply](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#tab2) Why you will love this Your choice of a foreign currency or SGD time deposit Enjoy higher interest compared to a regular savings account Who can apply Anyone above 18 years old Singaporean, Singapore PR or foreigner with a valid pass [Apply online](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#section-waystoapply) ## With secured returns come greater peace of mind. Secure tomorrow's gains by taking action today. Time Deposit (Fixed Deposit) Rates - Currency - Banking type - Promotion interest rate a year - Minimum placement amount - Apply via \| \| \| \| \| \| \| \|---\|---\|---\|---\|---\|---\| \| SGD Time Deposit Rate \| \| \| \| \| \| \| Currency \| Tenure (months) \| Banking type \| Promotion interest rate a year \| Minimum placement amount \| Apply via \| \| Singapore Dollar \| 12 \| Branch \| 1\.05% \| S\$20,000 \| Any OCBC Branch \| \| 18 \| 1\.10% \| \| \| \| \| \| Singapore Dollar \| 12 \| Online \| 1\.10% \| S\$20,000 \| [Internet Banking](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=fd) [OCBC app](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=fd) \| \| 18 \| 1\.15% \| \| \| \| \| Apply via [OCBC app](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=cpftd)[OCBC app](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#popup-qrcode) to make a placement now. [View SGD board rates](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-sgd-interest-rates.page) [View foreign currency board rates](https://www.ocbc.com/personal-banking/deposits/interest-rates.page) The minimum placement amount for the above SGD promotion is S\$20,000. The maximum placement amount for this Time Deposit promotion is S\$5,000,000 or its equivalent, when you place your deposit at our branches. For online placement, the maximum placement amount is S\$999,999. For deposits above S\$1 million, please contact us at 1800 363 3333 or visit any [OCBC Bank branch](https://www.ocbc.com/personal-banking/contact-us.page#section-findabranch). This promotion is not available for placements via Supplementary Retirement Scheme (SRS) funds. HOW TO PLACE A time deposit (TD) VIA OCBC Digital #### Make a new TD placement by following these simple steps: [1 After logging in to the app, tap on the left menu bar and select “Apply”. Then, navigate to “Accounts” and select “Time Deposit” ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-01.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-td-1) [2 Select account type for TD placement – “SGD Time Deposit” ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-02.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-td-2) [3 Select funding account, fill in placement amount, tenor, interest rate and maturity instruction ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-03.png)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-td-3) [4 Tap on “Agree” to accept the terms and conditions ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-04.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-td-4) [5 Review your placement details and tap on “Submit” to proceed ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-05.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-td-5) [6 Your TD placement is successful! ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-06.png)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-td-6) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-01.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-02.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-03.png) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-04.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-05.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-06.png) HOW TO APPLY FOR CPF TIME DEPOSIT #### My CPF Investment Account is with #### My CPF Investment Account is with - [OCBC](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#cpftd-ocbc) - [other banks](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#cpftd-others) [1 Log in to the OCBC Digital app and tap on “Apply”, followed by “Accounts”. Then, select “CPF Time Deposit”. ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-01.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-1) [2 Read the on-screen instructions before proceeding. ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-02.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-2) [3 Key in your preferred amount (between S\$30,000 and S\$999,999). Then, select "Next". ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-03.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-3) [4 Review your application and slide to confirm. After that, your application is all set! ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-04.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-4) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-01.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-02.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-03.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-04.gif) [1 Log in to the OCBC Digital app and tap on “Apply”, followed by “Accounts”. Then, select “CPF Time Deposit”. ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-01.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-1) [2 Select “Yes” if you have a CPF Investment Account with another bank. ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-02.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-2) [3 Read the on-screen instructions before proceeding. ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-03.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-3) [4 Key in your preferred amount (between S\$30,000 and S\$999,999). Then, select "Next". ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-04.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-4) [5 Review your application and slide to confirm. After that, your application is all set! ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-05.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applycpftd-5) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-01.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-02.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-03.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-04.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-05.gif) HOW TO APPLY FOR OCBC Digital #### If you don’t have OCBC Digital, you can refer to this step-by-step guide on how to apply for OCBC Digital access: [1 Download OCBC Digital, tap on “Trouble Logging In?” and select “Get help” ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step1.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applydb-1) [2 Fill in your ATM/credit/debit card details (Last 8 digits of card no. & 6-digit PIN) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step2.png)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applydb-2) [3 Fill in your personal details, enter the generated captcha and tap on "Next". Then, tap on “Agree” to accept the terms and conditions ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step3.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applydb-3) [4 Enter your current ATM/credit/debit card PIN, create and confirm your new 6-digit Online Banking PIN and tap on “Next” ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step4.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applydb-4) [5 Tap on “Submit” to confirm your mobile number ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step5.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applydb-5) [6 You have successfully registered for SMS OTP. Tap on "Next" to proceed to set up OneToken ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step6.gif)](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#steps-applydb-6) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step1.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step2.png) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step3.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step4.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step5.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step6.gif) Bank safely with OCBC Money Lock ![Safeguard your SGD Time Deposit account(s) with our anti-scam security feature](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/kv-moneylock-feb24.jpg) ### Safeguard your SGD Time Deposit account(s) with our anti-scam security feature Use OCBC Money Lock to secure your Time Deposit for greater peace of mind. Lock your account(s) to prevent changes to maturity instructions – or any unauthorised withdrawals before placement matures – from being made digitally. [Find out more](https://www.ocbc.com/personal-banking/security/secure-banking-ways/ocbc-moneylock) Before you apply #### Eligibility requirements Minimum age 18 years old Documents required NRIC and an image of your signature for Singaporeans and Singapore PRs Passport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners Additional document Include any one of the following documents that shows your residential address - Phone bill - Half-yearly CPF statement - Any bank statement * #### Deposit requirements Minimum placement \$5,000 in SGD currency \$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies \$50,000 in HKD currency \$250,000 in CNH currency * #### Letters You will receive electronic versions of Letters for all your relationships/accounts. * #### Terms and conditions [Terms and conditions governing Deposit Accounts](https://www.ocbc.com/personal-banking/terms-and-conditions/terms-and-conditions-governing-deposit-accounts) [Terms and conditions governing Electronic Banking Services](https://www.ocbc.com/personal-banking/terms-and-conditions/terms-and-conditions-governing-electronic-banking-services) [Terms and conditions governing OCBC Time Deposit Promotional Rates](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/accounts/terms-and-conditions-governing-ocbc-time-deposit-promotional-rates.pdf) [Terms and Conditions Governing the OCBC Online Time Deposit Promotion Code](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/accounts/terms_and_conditions_governing_the_ocbc_online_time_deposit_promotion_code.pdf) * #### Important notices [Insured Deposits Register](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/accounts/sdic-register-of-insured-deposits.pdf) [Fees and charges](https://www.ocbc.com/personal-banking/help-and-support/general#content-useful-forms) [Foreign Currency Deposits](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#popup-foreign-currency-deposits) [Deposit Insurance Scheme](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/notices/deposit-insurance-scheme.pdf) * Banking services [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/online-banking-icon@3x.png)Manage your account with OCBC Online Banking](https://internet.ocbc.com/internet-banking/) [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/bank-icon@3x.png)We are open every day at 9 branches, from 11am to 4\.30pm](https://www.ocbc.com/personal-banking/contact-us) Banking services [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/online-banking-icon@3x.png)Manage your account with OCBC Online Banking](https://internet.ocbc.com/internet-banking/) [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/bank-icon@3x.png)We are open every day at 9 branches, from 11am to 4\.30pm](https://www.ocbc.com/personal-banking/contact-us) ways to apply ### Open your Time Deposit (Fixed Deposit) Account today [Apply online](https://internet.ocbc.com/internet-banking/FDPlacement/Index?id=T_&type=LCY&redir=1&rc=INB) [Apply online](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=fd) or visit us at a branch with [these documents](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#document-apply-online). [Locate a branch](https://www.ocbc.com/personal-banking/contact-us) #### Please download OCBC Digital app [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/digitalbanking/digital-banking-services/cta-apple-store.png)](https://apps.apple.com/sg/app/ocbc-sg-mobile-banking/id292506828) [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/digitalbanking/digital-banking-services/cta-google-play.png)](https://play.google.com/store/apps/details?id=com.ocbc.mobile&hl=en) [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/digitalbanking/digital-banking-services/cta-huawei.png)](https://appgallery.cloud.huawei.com/marketshare/app/C101921711?locale=en_GB&source=appshare&subsource=C101921711) Alternatively, you may log in to OCBC Internet Banking via desktop. FAQs ##### Common questions [More questions and answers](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/accounts/cpf-time-deposit-faq.pdf) Can I make changes to an existing Time Deposit? Yes, you can change the maturity instructions multiple times via OCBC Digital app or at any OCBC branch, up to 2 working days before maturity. For early withdrawal of your Time Deposit, you can do it via OCBC Digital app. Please note that an early withdrawal fee may be applicable and you may receive lesser or no interest at point of withdrawal too. Can I renew my Time Deposit upon maturity and at prevailing promotional rates ? You may renew your existing Time Deposit at the prevailing promotional rates if your Time Deposit is maturing in the next 5 days. Simply submit your request via OCBC Digital app. You may refer to the [frequently asked questions](https://www.ocbc.com/personal-banking/help-and-support/accounts/time-deposits#renew-at-promotional-rate) on renewal at promotional rates. I have submitted my application for CPF Fixed Deposit (CPF FD). Why is my CPF Ordinary Account (CPF OA) not yet debited/why is the CPF FD placement not done yet? Your CPF FD will be processed within 3 working days upon submission of your application. Your CPF Investment Account (CPF-IA) will not be debited when the application is submitted and will only be debited once the application for CPF FD placement is successful. Thank you for your patience. Are there any fees for placing CPF Fixed Deposit (CPF FD)? For placement of CPF FD, there are transaction and custodian fees which are chargeable by your CPF Investment Account (CPF-IA) agent bank. You may check with your CPF-IA agent bank for more details on the fees. If you have your CPF-IA with OCBC, you may refer to the [Schedule of Fees and Charges](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/investments/cpfia_schedule_of_charges_201112.pdf). What are the CPF Ordinary Account (CPF OA) balances I can use for placing into CPF Fixed Deposit (CPF FD)? The first S\$20,000 in your CPF OA cannot be used for placing into CPF FD. You can only invest CPF OA balances above S\$20,000, taking into account the CPF FD Principal amount and transactions fees. What is the minimum and maximum placement amount I can put in CPF Time Deposit (CPF TD)? The minimum is S\$30,000, up to a maximum of S\$999,999 per placement. You may place multiple placements with one instruction form per placement. Each placement is one transaction. How can I withdraw an existing Time Deposit? You may refer to the [frequently asked questions](https://www.ocbc.com/personal-banking/help-and-support/accounts/time-deposits) on withdrawal of Time Deposit. [More questions and answers](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/accounts/cpf-time-deposit-faq.pdf) #### Foreign Currency Deposits Foreign currency deposits are subject to exchange rate fluctuations that may provide opportunities and risks. Earnings on foreign currency deposits would be dependent on the exchanges rates prevalent at the time of their maturity if any conversion takes place. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency deposit is suitable for you in the light of your investment objectives, financial means and risk profile. Any pre-termination costs will be deducted from your deposit. #### ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/icon_light_bulb_grey.png)Promotional interest rate \| \| \| \| \|---\|---\|---\| \| Currency \| Tenure (months) \| Apply via \| \| Singapore Dollar (SGD) \| 12 \| [Internet Banking](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=fd) [Mobile Banking](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=fd) \| 1 ##### For Singaporeans and Permanent Residents: NRIC and an image of your signature ##### For foreigners: Passport Employment Pass (EP); or S-Pass or Student Pass 2 ##### Minimum placement: \$5,000 in SGD currency \$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies \$50,000 in HKD currency \$250,000 in CNH currency 3 ##### Include any one of the following documents: Phone bill Half-yearly CPF statement Any bank statement - [For OCBC customers](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#m-item-1) - [For new customers](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#m-item-2) ### For OCBC customers Apply online or open your account at the branch to enjoy promotional rates. [Log in](https://internet.ocbc.com/internet-banking/?pid=sg:en:others:accounts:onlinebanking:Nov16:internal:timedeposit_LP:::::) or For new customers Apply at a branch with these [supporting documents](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#document-toggle) 1. For Singaporeans and Permanent Residents: - NRIC For foreigners: - Passport - Employment Pass (EP); or S-Pass or Student Pass 2. Minimum placement: - \$5,000 in SGD currency - \$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies - \$50,000 in HKD currency - \$250,000 in CNH currency 3. Additional documents Include any one of the following documents: - Phone bill - Half-yearly CPF statement - Any bank statement [Locate a branch](https://www.ocbc.com/personal-banking/contact-us.page) #### Scan to start application: ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/qrcode-timedeposits-cpftd.png) ![OCBC Bank logo](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/logo_ocbc.png) Personal Banking You are in * [Premier Banking](https://www.ocbc.com/premier-banking) [Business Banking](https://www.ocbc.com/business-banking/index.html) [OCBC Group](https://www.ocbc.com/group/index.html) * Useful links [OCBC Online Banking](https://internet.ocbc.com/internet-banking/) [ATM and Branch locator](https://www.ocbc.com/personal-banking/locations) [Help and Support](https://www.ocbc.com/personal-banking/help-and-support) [Important Documents](https://www.ocbc.com/personal-banking/important-documents) [Report Vulnerability](https://www.ocbc.com/group/vdp) Useful links [OCBC Online Banking](https://internet.ocbc.com/internet-banking/) [ATM and Branch locator](https://www.ocbc.com/personal-banking/locations) [Help and Support](https://www.ocbc.com/personal-banking/help-and-support) [Important Documents](https://www.ocbc.com/personal-banking/important-documents) [Report Vulnerability](https://www.ocbc.com/group/vdp) * Get in touch with us [Contact Us](https://www.ocbc.com/personal-banking/contact-us) [\+65 6363 3333](tel:+6563633333) *** \&nbsp \&nbsp \&nbsp \&nbsp \&nbsp \&nbsp \&nbsp \&nbsp \&nbsp \&nbsp \&nbsp \&nbsp [Conditions of Access](https://www.ocbc.com/personal-banking/conditions-of-access)[Policies](https://www.ocbc.com/personal-banking/policies)[Notices](https://www.ocbc.com/personal-banking/notices) © Copyright 2004 – – OCBC Bank. All Rights Reserved. Co. Reg. No.: 193200032W #### Are you sure you want to leave our site? You are leaving the OCBC Bank website and about to enter a third party website that OCBC Bank has no control over and is not responsible for. Before you proceed to use the third party website, please review the terms of use and privacy policy of their website. OCBC Bank’s [Conditions of Access](https://www.ocbc.com/personal-banking/conditions-of-access) and [Privacy and Security Policies](https://www.ocbc.com/personal-banking/policies) do not apply at third party websites. [I would like to stay]()[Leave website]()
Readable Markdown	With secured returns come greater peace of mind. Secure tomorrow's gains by taking action today. Time Deposit (Fixed Deposit) Rates - Currency - Banking type - Promotion interest rate a year - Minimum placement amount - Apply via \| \| \| \| \| \| \| \|---\|---\|---\|---\|---\|---\| \| SGD Time Deposit Rate \| \| \| \| \| \| \| Currency \| Tenure (months) \| Banking type \| Promotion interest rate a year \| Minimum placement amount \| Apply via \| \| Singapore Dollar \| 12 \| Branch \| 1\.05% \| S\$20,000 \| Any OCBC Branch \| \| 18 \| 1\.10% \| \| \| \| \| \| Singapore Dollar \| 12 \| Online \| 1\.10% \| S\$20,000 \| [Internet Banking](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=fd) [OCBC app](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=fd) \| \| 18 \| 1\.15% \| \| \| \| \| Apply via [OCBC app](https://internet.ocbc.com/internet-banking/PublicPushNotification/Redirect?code=cpftd)[OCBC app](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#popup-qrcode) to make a placement now. [View SGD board rates](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-sgd-interest-rates.page) [View foreign currency board rates](https://www.ocbc.com/personal-banking/deposits/interest-rates.page) The minimum placement amount for the above SGD promotion is S\$20,000. The maximum placement amount for this Time Deposit promotion is S\$5,000,000 or its equivalent, when you place your deposit at our branches. For online placement, the maximum placement amount is S\$999,999. For deposits above S\$1 million, please contact us at 1800 363 3333 or visit any [OCBC Bank branch](https://www.ocbc.com/personal-banking/contact-us.page#section-findabranch). This promotion is not available for placements via Supplementary Retirement Scheme (SRS) funds. HOW TO PLACE A time deposit (TD) VIA OCBC Digital #### Make a new TD placement by following these simple steps: ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-01.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-02.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-03.png) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-04.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-05.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/digiapp-steps_td-06.png) HOW TO APPLY FOR CPF TIME DEPOSIT #### My CPF Investment Account is with #### My CPF Investment Account is with - [OCBC](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#cpftd-ocbc) - [other banks](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#cpftd-others) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-01.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-02.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-03.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_ocbc-04.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-01.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-02.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-03.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-04.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applycpftd_others-05.gif) HOW TO APPLY FOR OCBC Digital #### If you don’t have OCBC Digital, you can refer to this step-by-step guide on how to apply for OCBC Digital access: ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step1.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step2.png) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step3.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step4.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step5.gif) ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/applydb_step6.gif) Bank safely with OCBC Money Lock ![Safeguard your SGD Time Deposit account(s) with our anti-scam security feature](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/accounts/fixed-deposit-account/kv-moneylock-feb24.jpg) ### Safeguard your SGD Time Deposit account(s) with our anti-scam security feature Use OCBC Money Lock to secure your Time Deposit for greater peace of mind. Lock your account(s) to prevent changes to maturity instructions – or any unauthorised withdrawals before placement matures – from being made digitally. Before you apply Eligibility requirements Minimum age 18 years old Documents required NRIC and an image of your signature for Singaporeans and Singapore PRs Passport and a valid pass (e.g. Employment Pass (EP) or S-Pass or Student Pass) for foreigners Additional document Include any one of the following documents that shows your residential address - Phone bill - Half-yearly CPF statement - Any bank statement Deposit requirements Minimum placement \$5,000 in SGD currency \$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies \$50,000 in HKD currency \$250,000 in CNH currency Letters You will receive electronic versions of Letters for all your relationships/accounts. Banking services Banking services ways to apply ### Open your Time Deposit (Fixed Deposit) Account today or visit us at a branch with [these documents](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#document-apply-online). #### Please download OCBC Digital app [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/digitalbanking/digital-banking-services/cta-apple-store.png)](https://apps.apple.com/sg/app/ocbc-sg-mobile-banking/id292506828) [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/digitalbanking/digital-banking-services/cta-google-play.png)](https://play.google.com/store/apps/details?id=com.ocbc.mobile&hl=en) [![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/live/digitalbanking/digital-banking-services/cta-huawei.png)](https://appgallery.cloud.huawei.com/marketshare/app/C101921711?locale=en_GB&source=appshare&subsource=C101921711) Alternatively, you may log in to OCBC Internet Banking via desktop. FAQs Can I make changes to an existing Time Deposit? Yes, you can change the maturity instructions multiple times via OCBC Digital app or at any OCBC branch, up to 2 working days before maturity. For early withdrawal of your Time Deposit, you can do it via OCBC Digital app. Please note that an early withdrawal fee may be applicable and you may receive lesser or no interest at point of withdrawal too. Can I renew my Time Deposit upon maturity and at prevailing promotional rates ? You may renew your existing Time Deposit at the prevailing promotional rates if your Time Deposit is maturing in the next 5 days. Simply submit your request via OCBC Digital app. You may refer to the [frequently asked questions](https://www.ocbc.com/personal-banking/help-and-support/accounts/time-deposits#renew-at-promotional-rate) on renewal at promotional rates. I have submitted my application for CPF Fixed Deposit (CPF FD). Why is my CPF Ordinary Account (CPF OA) not yet debited/why is the CPF FD placement not done yet? Your CPF FD will be processed within 3 working days upon submission of your application. Your CPF Investment Account (CPF-IA) will not be debited when the application is submitted and will only be debited once the application for CPF FD placement is successful. Thank you for your patience. Are there any fees for placing CPF Fixed Deposit (CPF FD)? For placement of CPF FD, there are transaction and custodian fees which are chargeable by your CPF Investment Account (CPF-IA) agent bank. You may check with your CPF-IA agent bank for more details on the fees. If you have your CPF-IA with OCBC, you may refer to the [Schedule of Fees and Charges](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/investments/cpfia_schedule_of_charges_201112.pdf). What are the CPF Ordinary Account (CPF OA) balances I can use for placing into CPF Fixed Deposit (CPF FD)? The first S\$20,000 in your CPF OA cannot be used for placing into CPF FD. You can only invest CPF OA balances above S\$20,000, taking into account the CPF FD Principal amount and transactions fees. What is the minimum and maximum placement amount I can put in CPF Time Deposit (CPF TD)? The minimum is S\$30,000, up to a maximum of S\$999,999 per placement. You may place multiple placements with one instruction form per placement. Each placement is one transaction. [More questions and answers](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/pdf/accounts/cpf-time-deposit-faq.pdf) #### Foreign Currency Deposits Foreign currency deposits are subject to exchange rate fluctuations that may provide opportunities and risks. Earnings on foreign currency deposits would be dependent on the exchanges rates prevalent at the time of their maturity if any conversion takes place. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency deposit is suitable for you in the light of your investment objectives, financial means and risk profile. Any pre-termination costs will be deducted from your deposit. #### ![](https://www.ocbc.com/iwov-resources/sg/ocbc/personal/img/icon_light_bulb_grey.png)Promotional interest rate 1 ##### For Singaporeans and Permanent Residents: NRIC and an image of your signature For foreigners: Passport Employment Pass (EP); or S-Pass or Student Pass 2 ##### Minimum placement: \$5,000 in SGD currency \$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies \$50,000 in HKD currency \$250,000 in CNH currency 3 ##### Include any one of the following documents: Phone bill Half-yearly CPF statement Any bank statement - [For OCBC customers](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#m-item-1) - [For new customers](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#m-item-2) For OCBC customers Apply online or open your account at the branch to enjoy promotional rates. or For new customers Apply at a branch with these [supporting documents](https://www.ocbc.com/personal-banking/deposits/fixed-deposit-account#document-toggle) 1. For Singaporeans and Permanent Residents: - NRIC For foreigners: - Passport - Employment Pass (EP); or S-Pass or Student Pass 2. Minimum placement: - \$5,000 in SGD currency - \$5,000 in AUD, CAD, EUR, GBP, NZD, USD currencies - \$50,000 in HKD currency - \$250,000 in CNH currency 3. Additional documents Include any one of the following documents: - Phone bill - Half-yearly CPF statement - Any bank statement
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