OCBC Bank Fixed Deposit Rates
Last updated 5 Oct 2026, 3:44 PM MYT · Reviewed by Raymond, Rates.my
OCBC Bank fixed deposit overview
OCBC Bank is a commercial bank in Malaysia. Its best fixed deposit rate listed here is 3.85% 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
Opening a OCBC Bank fixed deposit
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 bundled FD promotions — and what they actually require
These are the headline rates OCBC Bank advertises. They are not plain fixed deposits: each one needs a linked insurance or investment purchase, and the high rate usually runs for only a short tenure — so the return across your whole outlay is far lower than the number suggests. Listed here so you can see the condition before the rate.
Wealth Bundle Fixed Deposit-i
Valid until 31 Dec 2026The catch: Requires a qualifying wealth (investment/insurance) purchase alongside the placement — the 4.28% headline is not a standalone FD rate.
| Who qualifies | Rate p.a. | Tenure | Min placement |
|---|---|---|---|
| Wealth Bundle (RM100,000 in eligible wealth products) | 4.38% | 6 mo | RM100,000 |
Verified against OCBC Bank's own campaign pages and terms. A short high-rate tenure on part of your money is not the same as earning that rate on all of it — work out the blended return before committing.
OCBC Bank fixed deposit FAQ
OCBC Bank's highest fixed deposit rate listed here is 3.85% 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 Dec 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.
💬 Discussion
Compare FD rates at other banks
Our reporting on OCBC Bank
Recent Rates.my reporting on this topic.
OCBC's Q4 FD rate climbs to 3.85% — but the Wealth Bundle math still doesn't favour you.
4.28% beats 3.75% — until you count what OCBC's Wealth Bundle actually costs you.