OCBC

Universal bank · Singapore, Singapore

OCBC is the second-largest bank in Southeast Asia by assets, headquartered in Singapore and controlled by the Lee family since its 1932 founding. It runs close to 400 branches and offices in 19 countries and regions through subsidiaries in Malaysia, Indonesia, China, Hong Kong and Macau, and the private bank Bank of Singapore. Its Business Growth Account costs 10 Singapore dollars a month, waived for the first two months, and USD balances in its multi-currency product earn up to 0.8 percent. The group reported net profit of 7.42 billion Singapore dollars for 2025 with a CET1 ratio of 16.9 percent and NPL ratio of 0.9 percent. It does not offer crypto trading but launched Southeast Asia's first tokenised fund in April 2026.

Legal name: Oversea-Chinese Banking Corporation Limited
Regulated by: Monetary Authority of Singapore (MAS), Bank Negara Malaysia (OCBC Bank (Malaysia)), OJK Indonesia (Bank OCBC NISP), NFRA China (OCBC China), HKMA (OCBC Bank (Hong Kong)), AMCM Macau
Licence confirmed: yes, on a regulator's own list
Established: 1932
Website: www.ocbc.com

Scores, 0 to 10

9.5Financial strength & stability

Aa1/AA-/AA- ratings with CET1 16.9 percent and NPL 0.9 percent. · source

9.0Asia-Pacific (SG, HK, AU, JP, KR)

Full licences in Singapore, Malaysia, Hong Kong, Macau and China with FAST and PayNow rails. · source

7.5Trade, manufacturing & import-export

Transaction banking with trade finance across Singapore, Malaysia, Indonesia, Hong Kong and China. · source

7.0Cross-border payments, FX and multi-currency accounts

Multi-currency business account with USD balances earning up to 0.8 percent and regional rails in five markets. Transaction banking with cash management and trade finance across subsidiaries in five Asian markets. · source

7.0Lowest fees

Business Growth Account 10 Singapore dollars a month, first two months waived, 80 free FAST and GIRO transactions. · source

7.0Business cards (Visa, Mastercard)

The Mastercard Business Debit is free with the Business Growth Account and issued instantly as a digital card with a 50,000 dollar spend cap, alongside a business credit card with a 1 percent foreign currency fee and a virtual purchasing card. · source

7.0Foreign-owned & non-resident companies

The Business Foreign Account takes companies registered outside Singapore with end-to-end online support and no branch visit, for a 1,200 US dollar set-up fee and 80 dollars a month after two free months. · source

6.5Fast digital onboarding

Business Growth Account is applied for online by Singapore-registered companies with the first two months free. · source

6.0Latin America, Africa & South Asia

Bank OCBC NISP in Indonesia and OCBC Bank (Malaysia) are full subsidiaries. · source

6.0Online businesses: e-commerce and SaaS

FAST, GIRO and PayNow collection with 80 free transactions a month on the Business Growth Account. A 13-currency account at 10 dollars a month, waived with the Growth Account, plus the Connect2OCBC API store; the account pages list no accounting integrations and no revenue-based financing. · source

5.5Best interest on business balances

USD balances in the multi-currency account earn up to 0.8 percent a year. · source

5.5Fintech companies that need a partner bank

Partners with DigiFT on tokenised funds; no safeguarding or BaaS programme is published. · source

5.5Startups & VC-backed companies

Business Growth Account waives fees for two months but offers no venture-specific products. · source

5.5On-ramp: buy crypto with fiat

A June 2026 hands-on guide reports free PayNow and FAST transfers from OCBC to MAS-licensed exchanges such as Coinbase, with personal limits up to SGD 200,000 after a 12-hour cooling period, and no blocks; this is personal-account evidence and no business policy is published. · source

5.0Off-ramp: crypto to fiat in a business account

SGD withdrawals from MAS-licensed exchanges to OCBC accounts arrive over FAST per the same 2026 guide, but OCBC publishes no source-of-funds process for business crypto proceeds, so evidence is thin. · source

3.5Crypto-friendly bank

No crypto trading or custody for clients; digital-asset activity is tokenised securities and funds. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

OCBC's exclusion list names illegal activities, forced labour, weapons, coal and drift-net fishing but is silent on gambling, adult, cannabis or forex clients, and no onboarding path for them is published. · source

3.5Bitcoin

OCBC Securities offers cryptocurrency ETFs on its iOCBC trading platform, which is price exposure only, with no bitcoin custody or transfers at the bank, checked September 2026. · source

3.0Middle East & Gulf

Bank of Singapore Dubai branch serves wealth clients only. · source

3.0Customer satisfaction

Trustpilot rates OCBC Bank 1.6 out of 5 from 25 reviews, a small but consistently negative profile. · source

3.0Ethereum

iOCBC lists crypto ETFs generally and gives access to US markets where ether ETFs trade, but OCBC names no ether product and offers no ether custody, so exposure is ETF-only and thinly documented. · source

2.5Stablecoins (USDC, USDT and others)

OCBC offers no stablecoin service; in September 2026 it completed live SGD interbank payments in tokenised deposits with DBS and UOB on Swift's blockchain ledger, which is bank money between banks, not a client stablecoin product. · source

1.0Crypto wallet and custody for a business

OCBC holds no crypto for any client: its business digital asset page covers tokenised bonds and credit-linked securities in OCBC custody, and a June 2026 guide confirms it runs no spot crypto venue for retail or accredited clients. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance for merchants was found in OCBC's business pages or 2026 releases, which cover tokenised funds, gold and deposits, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.