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Consumer complaints and reviews about OCBC BANK

chq9875 Send email
Nov 23, 2015

inconsistent credit application guidelines

OCBC has inconsistent guidelines in issuing credit cards. My sister and I both applied for the same card to pay a product that the bank sells. Sister took out OCBC Student Loans for university and has lower income than I do. Her card got approved. On the other hand I have never taken out a loan and I got rejected TWICE. This causes delay in paying for my product. Most satisfactory answer from bank on rejection ever. Not rejection for document issues, but for "internal and external sources". I am very angry with the delay and the second rejection it puts me off as a prospect and I never want anything to do with OCBC products. I also have friends who complain about 360. This bank has the worst products ever. Don't buy as they have lousy customer reps who give you script answers and don't go above and beyond their job. I feel like the bank is full of unqualified employees who just read off rules and guideline script without adjusting to situation. Trained staff? Hardly.
Laurace bautista Send email
May 14, 2015

ocbc never aswer their mail send to them

I am presently in Thailand over stay because. Of ocbc
I am a holder of easi card tried to withdrawal my money from the ATM machine I bangkok
It say contact your issuing bank
I made contact with ocbc by way or telephone email sms massage no answer back coming from ocbc
Till o day it is one month
I had even been to the ocbc in Thailand to give ocbc Singapore a call it should be recorded
The this bank officer was will to let me fill in a ormvto make collection but ocbc Singapore said no

Please tell me why can I not witdrawl fund from my on account by ATM
I wat to go home how can money from my account please advice
Than you waiting for your good reply
Swe Send email
Apr 22, 2015

Late fee charges

It is the NORM for OCBC to charge for late fee, even for the month at which no payment is needed.

When I called the OCBC staff, he said the system is down, so he cannot clarify the issue. But, he said I still can make the payment anytime and OCBC can receive it. Then, why OCBC keeps on charging me late fee for the transaction made around 5 pm. Office hour announced officially is 9 am to 6 pm.

Never see such kind of special service at other banks. You should take note that OCBC is not the only bank in Singapore. I will NEVER use OCBC in the future.
xela444 Send email
Jul 1, 2014

OCBC is really the worst bank in Singapore and South East Asia

This "brilliant bank" recently launched a deposit product called 360 account. To reap the full benefits of this account, you are required to spend $400 a month on your OCBC credit cards. See [http://www.ocbc.com.sg/personal-banking/accounts/360-account.html]

I recently applied for both the 360 account together with a credit card. While they were happy to take my $50k deposit, they rejected my credit card application. This was without informing me that my credit card application had been rejected. I had to call up the bank on numerous occasions only to finally find out about this. This is an absolutely stupid bank with appalling customer service and their actions really make little sense. With $50k in my bank account, even if they offered me a miserable $1k credit, they would still have 50x deposit to loan cover ratio. All I can say is across this bank, there is very little common sense remaining.

The customer service officer whom I spoke too could only repeatedly apologise but could not give me a valid reason why my application was rejected. What is the point of launching a new product which requires your customers to meet certain monthly conditions but not give them the tool (i.e. the credit card) to be able to do so. I can only think that it's pure stupidity or deceitful practice on the part of this bank. With this recent incident, I now believe what I've heard all along that this is the worst bank in Singapore and South East Asia. I can now appreciate why the DBS atm machines always have a long queue while the OCBC ones are unused.

Thank you, OCBC for opening my eyes. I will take my banking somewhere else...
Cia Send email
Mar 5, 2013


I seriously cannot believe that I was being insulted by a CSO from the billing department today. Not only was she rude, she was so impatient throughout the conversation. Could not even give me a satisfaction reply. Wow! What a "surprise" I've got! Well done OCBC! "Talk about GEMS"!
sureshbabuveluswamy Send email
Oct 30, 2012

Balanace transfer -

I have requseted a balanace transfer from my OCBC Easi credit account .

During verbal conversation i requseted only for SGD 5000 , but the bank has been transfered 17800
Vishal Ganjoor Send email
Sep 4, 2012

Register Grievience/ Complain for Home Loan - 5720114467-00000

Hi Sir/ Madam,

I would like to register a complain with OCBC in regards to the non compliance by bank for the terms and condition for the Loan repricing which had made me conclude that my request for loan re-structuring was denied and there by committing to sell my HDB unit.

Here are details of the property:
Vishal Ganjoor [ NRIC : S7563141C]
Choa Chu Kang Crescent

Conversation transpired so far :
1. Date: 1st September 2012.
I have spoken to the Customer care officer Rasool and realized that I am in lock-in period with bank which came as surprise to me. Rasool assured me to investigate and revert on Monday. To give a background I did receive a call from OCBC bank for repricing last year and had agreed to SIBOR and adjusting the tenure and had mailed the duly signed form for revising the tenure. As there was no correspondence from the bank I assumed my application was not entertained.
2. Date: 2nd September 2012:
I had visited the CCK branch to discuss my case and met relationship manager Alvin Namibiar to apprise him of my case. He informed me that Bank will only proceed after obtaining verbal agreement followed by written agreement between two parties and comply accordingly.
3. Date: 3rd September 2012.
Rasool called me on Monday to inform that they are investigating the matter and will revert. I have requested to retrieve the recorded conversation & also the signed form to establish the agreement of reducing the tenure.
4. Date: 4th September 2012. I have received another call from Rhonda today stating that an oversight on bank’s part to revise the tenure. I have stated again that am selling the property and my transaction will complete in November. Rhonda insisted that she can send the form now for revising the tenure. She has tried to explain me the repricing and tenure adjustment are two different issues despite under same agreement.
5. I have requested to retrieve all the details from the bank find out the facts and figure out the non-compliance on part of OCBC. This is case of Selective application of the agreement where by OCBC had decided to implement part convenient ignoring the second part i.e. tenure. I understand the agreement has to comply in entirety.
I seek your co-operation to resolve the issue as I do not intend to pay the lock-in amount which is being levied upon me for the fault of bank.

Vishal Ganjoor | Global Delivery, EDMS
NCS Pte. Ltd. (A member of the SingTel Group )
5 Ang Mo Kio Street 62 Singapore 569141 | Reg. No: 198101793G
E vganjoor@ncs.com.sg | W www.ncs.com.sg HP: (65) 9734-8595

This e-mail is confidential and may also be privileged. If you are not the intended recipient, please notify us immediately by replying to this message and then delete it from your system. You should not copy or use it for any purpose, nor disclose its contents to any other person. Thank you.
User921270 Send email
Mar 31, 2012

Annual Fee Reipoff

Better think twice before applying OCBC credit card. I have used my credit card for 24months installment interest free purchase. And while I left 10months of installment, OCBC decided to charge me $50 annual fee.

My request to have the annual fee waived is denied, but they will be giving me $30 NTUC or Robinson cash voucher and a spa voucher. And if I were to cancel the card immediately, I will have to pay a penalty of $150 despite full payment of the installment. What a ripoff?!
User897592 Send email
Mar 31, 2012

Annual Fee Reipoff

I have forwarded the story to Redress.me. Hope you will get the recourse you needed. Here it is:http://redress.me/view_post.php?pid=2103
Rinem Send email
Feb 23, 2012


The bank suspended my cards for no reasons given when I called the first time. The second time I called they requested me to pay full. After paying full, I called again to asked regarding about the statues of my card. One of the staffs from OCBC CREDIT CARD Department went to checked but can't even give me an answer. She even requested me to pay another $150 for the interest which yet to appeared on the current bill. This is absurd! OCBC bank services is the worst that I had encountered!
Tt84 Send email
Feb 23, 2012


People, open your eyes and read the pricing guide carefully. Late charges are imposed when you are late. Even if you are late for 1 day, you are still late. Who gives a damn about your reasons. But they do consider waivers out of good wills at times. If you did not make the minimum payment stated, you are considered not to have made any payments. Don't you read the charges before your apply anything? Sign blindly? Go ahead..

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