Dear Valued Customer,
With effect from 1 November 2025, we will be revising the criteria and bonus interest rates for certain categories under BOC SmartSaver. The changes will apply to Wealth Bonus Interest, Card Spend Bonus Interest, Salary Crediting Bonus Interest, Extra Savings Bonus Interest and Prevailing Interest.
Please see the following for details:
| Bonus Interest Categories |
Existing Criteria |
Existing Bonus Interest Rate (p.a.) |
New Criteria |
New Bonus Interest Rate (p.a.) |
| i. Wealth Bonus Interest |
Purchase eligible BOC wealth products to earn this bonus interest for 12 consecutive months |
3.00% |
Purchase eligible BOC wealth products to earn this bonus interest for 6 consecutive months |
3.00% |
| ii. Card Spend Bonus Interest |
Spend at least S$2,500 posted in a month by using qualifying BOC Debit Cards
and/or Credit Cards |
1.25% |
Existing criteria remain unchanged |
0.90% |
Spend at least S$750 posted in a month by using qualifying BOC Debit Cards
and/or Credit Cards |
0.75% |
Existing criteria remain unchanged |
0.60% |
| iii. Salary Crediting Bonus Interest |
Monthly salary crediting of S$2,000 and above |
0.80% |
Monthly salary crediting of S$3,000 and above |
0.50% |
| iv. Extra Savings Bonus Interest |
This bonus interest is applicable to the portion of your account balance above S$100,000, up to a maximum of S$1,000,000, provided that you fulfil at least one of the requirements for Card Spend, Salary Crediting or Payment Bonus Interest. |
0.60% |
Existing criteria remain unchanged |
0.50% |
| v. Prevailing Interest |
Any amount |
0.20% |
Existing criteria remain unchanged |
0.10% |
The adjustments above apply to the first S$100,000 of your BOC Multi-Currency Savings (MCS) account balance. The criteria and bonus interest rate of the payment under the BOC SmartSaver will remain unchanged.
Terms and conditions apply. For the BOC SmartSaver product details and full terms and conditions, please refer to our BOC SmartSaver webpage: BOC Website -> Personal Banking -> Deposits -> BOC SmartSaver
For more information, please contact our 24-Hour Customer Service Hotline at 1800-66-95566.
Bank of China Limited, Singapore Branch
29 September 2025
