OCBC华侨银行账户和借记卡亲测分享
本帖最后由 yfidc 于 2023-7-15 11:54 编辑有需要注册的下载OCBC Digital 手机APP即可注册（需要护照和身份证+手机有NFC功能）
欢迎使用我的邀请码注册，使用邀请码注册后入金1000新加坡刀验资后我们都能得到15s$奖励
邀请码：
JM78FDOS另外需要帮忙入金的也可以找我tg:yfidc
首先我看到的Statement Savings Account账户管理费并不是需要存有20000 s$才免除,而是1000s$就可以免除
网页中复制的说明（费用说明已标红）
Statement Savings Account
Statement Savings | Monthly Statements for easy tracking
https://internet.ocbc.com/internet-banking/Content/images/pdt_images/statement_savings_account_thumbnail.jpgBENEFITS
[*]24-hour account access through Phone, Mobile and Internet Banking
[*]Lifestyle privileges with the OCBC Debit card
ELIGIBILITY
[*]Age 16 and above
[*]Minimum initial deposit S$1,000
INTEREST RATES
Account BalanceInterest rates (p.a.)
Entire account balances0.05%
FEES & CHARGES
Service chargeS$2 if monthly average balance falls below S$1000
Account closure feeS$30 if account is closed within 6 months from opening date
GIRO feeS$10 for each failed GIRO payment
ATM card replacementS$5 per card
Excess feeMinimum S$30 or 4.75% + Prime (whichever is higher) on the excess amount
Promotional interest rates are subject to change.
然后Monthly Savings Account账户也并没有看到所谓的存有500s$就可以免除，介绍页面也没有说明费用
网页中复制的说明
Monthly Savings Account
Enjoy higher interest rate with regular monthly savingsBenefits
[*]Achieve your goals with regular monthly savings
[*]Start saving from minimum $50 per month
[*]Choose to save through any preferred mode e.g. recurring GIRO contribution, cash / cheque deposits, FAST transfers through online banking etc
[*]Flexibility of withdrawals
[*]No monthly account fee or service charge
[*]Ease of tracking with online banking access and eStatements
(Only eStatements will be provided for accounts opened from 1 July 2015.)
Eligibility
[*]For single name account opening:
[*]Singaporeans, Singapore PRs and foreigners age 16 and above
[*]For joint names account opening:
[*]at least 1 account holder is 16 years and above
https://internet.ocbc.com/internet-banking/Content/images/pdt_images/monthly_savings_account_graph.jpgInterest rates
Interest categoryCriteriaInterest rate (p.a.)
Base Interest-0.05%
Bonus InterestIf there is minimum S$50 savings AND there is no withdrawal in the month0.05%
Fees & Charges
Account closure fee
S$30 if account is closed within 6 months from opening date
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.
最后说说银行卡的使用情况：
1、虚拟卡需要激活才能使用
2、在国外网站输入卡号有效期和CVV能够正常到3DS页面，APP确认或者短信验证码确认后可以正常支付
3、绑定支付宝成功，但是消费的时候输入CVV后支付失败，提示银行不支持
4、绑定微信支付直接失败，提示交易失败请向银行查询卡信息与交易信息是否正确
5、网页输卡号支付成功后并没有及时扣除余额，也没有消费信息显示，半小时过去依旧没有任何显示，目前不清楚多久会扣余额，所以也不知道消费是否有手续费等情况，也不清楚默认从哪个账户扣款，我的卡链接了SSA账户和GSA账户，且两个账户都有余额，知道的留言说说
MSA S$500 免除：https://shuzijumin.com/forum.php?mod=redirect&goto=findpost&ptid=218&pid=3168
SSA S$20000 免除：https://shuzijumin.com/forum.php?mod=redirect&goto=findpost&ptid=218&pid=3169 ssa对新加坡人是1000免，对海外用户就是20000免 Finlay 发表于 2023-7-15 11:48
ssa对新加坡人是1000免，对海外用户就是20000免
原来如此 HelloWorld 发表于 2023-7-15 11:45
MSA S$500 免除：https://shuzijumin.com/forum.php?mod=redirect&goto=findpost&ptid=218&pid=3168
SSA S$ ...
感谢，还是看PDF文档明确 目前还没看到虚拟卡消费成功的
成功的都是拿到实体卡的 HelloWorld 发表于 2023-7-15 11:58
目前还没看到虚拟卡消费成功的
成功的都是拿到实体卡的
我网页输入卡号和CVV那些 消费成功了 yfidc 发表于 2023-7-15 12:08
我网页输入卡号和CVV那些 消费成功了
哪个网站消费？
我支付宝、微信、滴滴都失败 HelloWorld 发表于 2023-7-15 12:09
哪个网站消费？
我支付宝、微信、滴滴都失败
国外网站，输入卡号有效期和CVV然后跳3D验证的那种支付方式，国内绑卡支付我也全部失败 HelloWorld 发表于 2023-7-15 11:58
目前还没看到虚拟卡消费成功的
成功的都是拿到实体卡的
这破银行转账还经常出现无法载入汇率的情况，这也太不靠谱了吧
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