OCBC Mobile Banking Login Issues and Account Maintenance and Transaction Fees

I suddenly couldn't log in to my mobile banking app. At first, I thought it was a mobile network issue (because my IP changes frequently), but then I found out my account was locked. So I called customer service and asked a few other questions while I was at it.

Customer Service Number

0065 6363 3333

What I Asked

1. You set your own login access token; the one sent by mail is the default. My default access token was 7 digits. I don't know when I changed it, but I kept trying to log in with the default, which got my account locked.

   

2. The pin is the "ATM Personal Identification Number (ATM PIN)" sent by mail. There is a default PIN too, but it's recommended that you change it below

   

3. If you can't log in, **don't keep trying**, just tap **I can't log in below, enter your passport number (starting with EK), then complete facial verification. You can then reset your access token and pin

   

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Account Maintenance Fees and Transaction Fees

SSA Account (the default SGD account)

You need to keep 2万 SGD in the account; otherwise, the maintenance fee is 10 SGD/month

GSA Account (foreign currency account)

No fees, but incoming transfers from other banks incur a fee of 10 SGD**

360 Account

You need to keep 3000 SGD in the account; otherwise, the maintenance fee is 2 SGD/month

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Put that way, it's still a bit more expensive than banking in China, haha. But apparently you can apply for a maintenance fee waiver. I haven't tried it myself, but give it a shot if you're interested. After all, they won't start charging me until a year later.