OCBC Bank

OCBC Bank Fixed Deposit Rates

3.75%

best rate p.a.

Conventional FD

Last updated 20 Aug 2026, 1:58 PM MYT · Reviewed by Raymond, Rates.my

Best rate

3.75%

per annum

Campaigns

FD products

Min deposit from

RM1,000

Tenures

6M, 12M

OCBC Bank fixed deposit overview

OCBC Bank is a commercial bank in Malaysia. Its best fixed deposit rate listed here is 3.75% p.a. on the OCBC Fixed Deposit-i Promo, with placements from RM1,000. Across 2 campaigns the available tenures are 6M, 12M. Some of these rates are promotional and time-limited — check the validity date and eligibility before placing your funds. Compare each OCBC Bank FD campaign below, see what you'll need to open one, and read reviews from other depositors.

OCBC Bank FD campaigns & rates

OCBC Fixed Deposit-i Promo

3.70% (6M) · 3.75% (12M), max RM300,000. Balances must grow from the 31 May 2026 level and stay grown. Standalone FD-i — no wealth or insurance purchase required.

PromoIslamicFresh funds

3.75%

6, 12 Months

Min deposit

RM10,000

Tenure

6, 12 Months

Valid until

31 Aug 2026

Apply at OCBC Bank →

OCBC Fixed Deposit

Standard retail rate — OCBC focuses on Premier Banking clients for higher rates

2.10%

12 Months

Min deposit

RM1,000

Tenure

12 Months

Valid until

31 Dec 2026

Apply at OCBC Bank →

Opening a OCBC Bank fixed deposit

🪪

Identification

Your MyKad (IC) if you're Malaysian, or passport for non-residents.

💵

Minimum deposit

From RM1,000 — varies by campaign.

✨

Fresh funds required

The promotional rates need fresh funds — money new to OCBC Bank, not transferred from an existing OCBC Bank account.

🏢

Where to open

At any OCBC Bank branch — bring your IC and the funds.

Breaking a fixed deposit before maturity usually forfeits some or all of the interest — confirm the terms with OCBC Bank before you commit.

OCBC Bank fixed deposit FAQ

OCBC Bank's highest fixed deposit rate listed here is 3.75% p.a. on the OCBC Fixed Deposit-i Promo, for a 6, 12 Months tenure. Rates are indicative — confirm the current rate on the OCBC Bank website before applying.

The minimum placement starts from RM1,000. Some campaigns require up to RM10,000.

Yes — OCBC Bank offers a Term Deposit-i, the Shariah-compliant (non-interest, profit-sharing) equivalent of a conventional fixed deposit.

Your IC (MyKad) or passport, and the deposit amount. OCBC Bank FDs are typically opened at a branch. Promotional rates usually require fresh funds (money new to the bank).

The OCBC Fixed Deposit-i Promo promotional rate is valid until 31 Aug 2026 (indicative). Promotional campaigns can change or be withdrawn — always confirm the current offer and terms with OCBC Bank.

Rates, tenures and promotions are indicative and time-limited — always confirm current terms with OCBC Bank before placing a deposit. Not financial advice. Rates.my is an independent comparison site, not affiliated with or endorsed by OCBC Bank; the bank's name and logo belong to their respective owners. Spotted an error, or need a correction or takedown? Contact Raymond at raymond@rates.my.