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Overseas Usage Guide Activation/deactivation of cards for overseas usageHow to activate/deactivate overseas ATM cash withdrawalVia OCBC Online Banking Via SMS Via Mail in formsHow to activate/deactivate the magnetic stripe for overseas usageVia OCBC.com Via OCBC Online Banking Via SMS BankingSecurity Tips Activation/deactivation of cards for overseas usage As part of the bank's security measures, it is necessary to activate your OCBC ATM, debit or credit cards' overseas ATM cash withdrawal or magnetic stripe feature if you wish to use your cards overseas. You may refer to the guide below on what you should do for your intended overseas usage.Type of overseas usageWhat should you doWithdraw cash via ATMATM cardDebit cardCredit card (linked to current/savings account)Activate overseas ATM cash withdrawal feature Learn howWithdraw cash via ATMCredit card (Cash advance)Activate magnetic stripe feature Learn howMake retail purchasesDebit cardCredit cardActivate magnetic stripe feature Learn how Via OCBC Online Banking (immediate activation or deactivation) OCBC Internet BankingLog in to OCBC Online Banking with your access code and PIN or SingpassScroll over “Customer Service” then “Cards” and select “Overseas card usage”Select card to link/delink to account for ATM transactionsSelect account to link. Tap on the "Next" button to confirmOCBC Business Debit Card customers without OCBC Online Banking will not be able to activate the overseas ATM cash withdrawal on their card via Online Banking. Should you wish to activate overseas cash withdrawal, please submit the OCBC Business Debit Card Maintenance form below.​OCBC Digital appLog in to OCBC Digital app​Tap on the menu bar on the

And click on ‘Submit’.*If you wish to activate your OCBC Business Debit Card for overseas ATM cash withdrawals but do not have OCBC Online Banking access, please complete and submit the OCBC Business Debit Card Maintenance form below.OCBC Digital appLog in to the OCBC Digital app.Tap the menu at the top left.Tap ‘Card services’ > Manage overseas card usage.If you do not have OCBC OneToken or a hardware token, or have chosen ‘QuickView’ via OCBC Internet Banking (Customer service > Change login mode), you will be asked to enter an SMS One-Time Password (OTP)*.Tick/untick ‘Overseas magnetic stripe transaction’ under the card wish to activate or deactivate for overseas usage.If you do not have OCBC OneToken, you will be asked to enter an SMS OTP*.*If you have activated OCBC OneToken, you will not need to enter SMS OTPs as authentication will be seamlessly done in the background. Please visit XXX for more details. Via SMS (immediate activation or deactivation) SMSSend an SMS to 72323 or, if overseas, +65 9327 2323 in this format:To activate:MAGNRIC/PassportLast 4 digits of card nostart date in DDMMYYend date in DDMMYYactivateExample: MAG S7612345X 1234 230917 231017 activateTo deactivate:MAGNRIC/PassportLast 4 digits of card nodeactivateExample: MAG S7612345X 1234 deactivateVia other channelsYou may visit any OCBC branch. Security Tips For your security, it is recommended to deactivate your overseas ATM cash withdrawal or Overseas magnetic transaction upon returning to Singapore to prevent unauthorised usage.Adopt these security measures when you travel overseas:Update your mobile number to receive real-time SMS alerts on

An existing OCBC business account, can I open another account (subsequent account) for my business? Yes, you can open a subsequent account to serve your business needs such as receiving of funds in different currency or segregating of transactions for better financials management.If you are a sole proprietor or single director of the company, you can apply for a subsequent account via OCBC Velocity.In the event that you are not able to complete your application on OCBC Velocity, you may reach out to us directly via the online enquiry form. The bank will contact you within 3 working days to assist you.Find out more. ADDITIONAL INFORMATION Deposits Insurance Scheme Singapore dollar deposits of non-bank depositors and monies and deposits denominated in Singapore dollars under the Supplementary Retirement Scheme are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.SDIC Consumer Guides Insured Deposits Register Terms and conditions governing the OCBC Business Account Opening Campaign 2025 Limited to the first 200 Eligible Accounts for each month.Download the Terms and Conditions Our awards and accolades Best SME Bank in Asia-Pacific2023 - 2024 Global Finance2024 The Asian Banker 2023 - 2024 Global Finance2024 The Asian Banker Best Trade Finance Bank in Singapore2018 - 2024 Asian Banking and Finance2019 - 2023 The Asian Banker 2018 - 2024 Asian Banking and Finance2019 - 2023 The Asian Banker Best Transactional Banking Online Platform in Southeast Asia2018 - 2024 Alpha Southeast Asia 2018 - 2024 Alpha Southeast Asia

Time.The following types of PayNow Transactions may be carried out via the OCBC PayNow Service:transactions pursuant to a Transaction Request submitted through the OCBC Pay Anyone™ application, the OCBC Digital application, or through the OCBC Internet Banking Service and/or OCBC Mobile Banking Service (or to such other Electronic Banking Service as prescribed by the Bank from time to time) by which the Recipient is identified through their relevant Proxy ("Proxy Transactions"); andtransactions pursuant to a Transaction Request submitted through the OCBC Pay Anyone™ application and/or OCBC Digital application by which the Recipient is identified through the relevant QR Code ("QR Transactions").The term "OCBC PayNow Service" shall be deemed to include any notifications, communications or services referred to in these Terms and/or any services, functions and features made available through such part of the Electronic Banking Services which relates to or forms part of any PayNow Transaction. For the avoidance of doubt, the "Electronic Banking Services" shall mean the OCBC Internet Banking Service, OCBC Mobile Banking Service, OCBC Phone Banking Service, OCBC ATM Service and/or any other services provided or made available under the OCBC Terms and Conditions governing Electronic Banking Services.The OCBC PayNow Service is provided as part of the Electronic Banking Services, and accordingly these Terms are in addition to and shall be read in conjunction with:the OCBC Terms and Conditions governing Electronic Banking Services (any reference to the relevant Electronic Banking Service in the OCBC Terms and Conditions governing Electronic Banking Services shall include a reference to the OCBC PayNow Service); and(where applicable) the Terms and Conditions for OCBC Pay Anyone™ Service (in particular, the Terms and Conditions for OCBC Pay Anyone™ QR Service where QR Transactions conducted through the OCBC Pay Anyone™ application are concerned),provided that in the event of conflict or inconsistency, these Terms shall prevail over the OCBC Terms and Conditions governing Electronic Banking Services and/or the Terms and Conditions for OCBC Pay Anyone™ Service (as the case may be) to the extent of such conflict or inconsistency.You must accept and agree to these Terms, the OCBC Terms and Conditions governing Electronic Banking Services and Terms and Conditions for OCBC Pay Anyone™ Service ("OCBC PAO Service") (as the case may be) before you are able to use the OCBC PayNow Service. You further agree to comply with all guidelines, policies and procedures pertaining to use of the OCBC PayNow Service issued by or on behalf

Overseas Payment Initiative is either identified through:A "Proxy" (being a unique identifier of the Overseas Recipient (such as the Overseas Recipient's mobile number) designated as such by the Overseas Recipient's bank where applicable and registered as such under the relevant Overseas Payment Initiative);such other means prescribed by the Bank from time to time.You may refer to this list of Overseas Payment Initiatives. For the purposes of these Terms, "relevant Overseas Payment Initiative" means, in relation to a Cross-Border PayNow Transaction, such Overseas Payment Initiative under which the intended Overseas Recipient is registered.A Cross-Border PayNow Transaction may be carried out via the OCBC Cross-Border PayNow Service pursuant to a Transaction Request submitted through the OCBC Pay Anyone™ application (or to such other Electronic Banking Service as prescribed by the Bank from time to time) by which the Overseas Recipient is identified through their relevant Proxy.The term "OCBC Cross-Border PayNow Service" shall be deemed to include any notifications, communications or services referred to in these Terms and/or any services, functions and features made available through such part of the Electronic Banking Services as relates to any Cross-Border PayNow Transaction. For the avoidance of doubt, the "Electronic Banking Services" shall mean the OCBC Internet Banking Service, OCBC Mobile Banking Service, OCBC Phone Banking Service, OCBC ATM Service and/or any other services provided or made available under the OCBC Terms and Conditions governing Electronic Banking Services.The OCBC Cross-Border PayNow Service is provided as part of the Electronic Banking Services, and accordingly these Terms are in addition to and shall be read in conjunction with:the OCBC Terms and Conditions governing Electronic Banking Services (any reference to the relevant Electronic Banking Service in the OCBC Terms and Conditions governing Electronic Banking Services shall include a reference to the OCBC Cross-Border PayNow Service); and(where applicable) the Terms and Conditions for OCBC Pay Anyone™ Service,provided that in the event of conflict or inconsistency, these Terms shall prevail over the OCBC Terms and Conditions governing Electronic Banking Services and/or the Terms and Conditions for OCBC Pay Anyone™ Service (as the case may be) to the extent of such conflict or inconsistency.You must accept and agree to these Terms, the OCBC Terms and Conditions governing Electronic Banking Services and Terms and Conditions for OCBC Pay Anyone™ Service ("OCBC PAO Service") before you are able to use the OCBC Cross-Border PayNow Service. You further agree to comply with all guidelines, policies

Account (as defined below) by identifying such account through your Proxy (as defined below) or such other means prescribed by the Bank from time to time, such as a unique two-dimensional barcode generated by the Bank ("QR Code") (each transfer to you of a Transfer Amount, a "PayNow Transaction"). The term "OCBC PayNow Service" shall be deemed to include any notifications, communications or services referred to in these Terms and/or any services, functions and features made available through such part of the Electronic Banking Services which relates to or forms part of any PayNow Transaction. For the avoidance of doubt, the "Electronic Banking Services" shall mean the OCBC Internet Banking Service, OCBC Mobile Banking Service OCBC Phone Banking Service, OCBC ATM Service and/or any other services provided or made available under the OCBC Terms and Conditions governing Electronic Banking Services.The OCBC PayNow Service is provided as part of the Electronic Banking Services, and accordingly these Terms are in addition to and shall be read in conjunction with:the OCBC Terms and Conditions governing Electronic Banking Services (any reference to relevant Electronic Banking Services in the OCBC Terms and Conditions governing Electronic Banking Services shall include a reference to the OCBC PayNow Service),(where applicable) the Terms and Conditions for OCBC Pay Anyone™ Service (in particular, the Terms and Conditions for OCBC Pay Anyone™ QR Service where the PayNow Transaction in question involves the use of a QR Code and is conducted through the OCBC Pay Anyone™ application),provided that in the event of any conflict or inconsistency, these Terms shall prevail over the OCBC Terms and Conditions governing Electronic Banking Services to the extent of such conflict or inconsistency.You must accept and agree to these Terms and be registered as an OCBC PayNow User (as defined below) before you will be able to receive the Transfer Amount which is the subject of a PayNow Transaction. You further agree to comply with all guidelines, policies and procedures pertaining to use of the OCBC PayNow Service issued by or on behalf of the Bank from time to time. Registration In order to be registered to receive funds through the OCBC PayNow Service, you will need to:be a retail customer of the Bank with a valid and active Singapore dollar current or savings account with the Bank ("Account");be a valid user of the relevant Electronic Banking Services prescribed by the Bank from time to time;comply with