Frank by OCBC - Singapore's Reliable Bank For Study Loans & Card Subscriptions

Looking for the best interest rate in town?
Heads toasted contemplating on which bank to choose?
Wondering which Personal Saving Accounts Suits you best? 
Frank will take all your troubles away 
Bank on the go via online and Mobile banking 

1. Attractive promotional interest rates

2. No monthly fees (Below 26 years old) 

3. No minimum income required

4. Over 1,200 ATMs islandwide

5. Over 130 card designs 

6. No initial deposit

Don't hesitate and get your FRANK DEBIT CARD NOW!

Frank Account 
Interest Rates taken from OCBC Website

 The FRANK Account comes with many useful tools to manage your money wisely

How does it really help to manage your money wisely?

1. Get an overview of your savings and expenditure in one account

2. Separate and organize your spending from your savings

3. Set up and name multiple savings compartments for your saving goals

    Manage Your Finances with the Frank Account
    Minimum Requirements
    Application Documents

    • Singaporeans & PR – Copy of NRIC (front and back)

    • Foreigners – Copy of valid passport and Student Pass, S-Pass or Employment Pass

    Checkout the Deals

    Enjoy fabulous privileges and the convenience of cashless payments with the FRANK Debit Card

    Enjoy amazing discounts and offers at participating outlets

    (Check it out here)

    What do you get to enjoy when you shop online or outside?

    1. Discounts at popular blogshops and online stores

    2. Special offers on dining, travel and entertainment

    3. Merchant acceptance for MasterCard payments worldwide
    PIN-based NETS transactions

    Thinking of taking up a study loan?

    Having second thoughts about using CPF or cash to pay your tuition fees?

    Want to rid the need of paying interest during your course of study?

    Why not take up Tuition Fee Loan (TFL) by OCBC Bank.

    TFL allows you to enjoy the following benefits

    Loan up to 90% of your tuition fees

    Make no loan repayments during the course of study

    Start paying interest only upon course completion

    Terms & Conditions

    Based on a Singapore citizen university student's tuition fee.

    Interest commencement date is set by university. Loan interest is based on the average Prime Lending Rate of Oversea-Chinese Banking Corporation (OCBC), Development Bank of Singapore (DBS) and United Overseas Bank (UOB). Late interest of 1% per month on the outstanding amount will be charged if repayment is late.

    Additional loan interest of 1% per month on the outstanding loan will be charged if you do not start repaying a minimum of S$100 monthly within 2 years from graduation.

    This is the maximum period of making monthly repayment instalments from graduation day.

    For selected NTU part-time and postgraduate courses. 

    Application period is set by university. 

    Guarantor must not be an undischarged bankrupt. 

    Tuition Fee Loan is funded by the Ministry of Education and administered by OCBC Bank. The loan is available only to NUS, NTU and NIE students.

    Application for the Tuition Fee Loan must be duly completed according to the requirements of OCBC Bank and received by OCBC Bank from 1 May to 31 September 2012 to qualify for the free movie gift voucher. All customers must key in all information in the Tuition Fee Loan application form. Manually completed forms will not qualify for the free movie gift voucher promotion. Only applicants with valid local mailing addresses will be entitled to the gift vouchers.


      If you're interested sign up at any FRANK store or OCBC Branch today.

      Call 1800 438 6088 or log onto here for more details.

      Requirements that you should take note before applying
      Taken from OCBC Website
      Terms & Conditions

      Promotional interest rates are subject to change without prior notice.

      Based on a shared ATM network with UOB Bank."

      Please view the full set of Terms and Conditions Governing Deposit Accounts here. 

      Deposit 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$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

      Personal Recommendation
      (I'm Not Sure If She's Still Working There)

      I Personally recommend you to head down to Singapore Polytechnic Frank Outlet at Foodcourt 5 and look for a lady called Germaine Koh, An Ambassador of Frank, OCBC. 

      She has the knowledge, skills, and the perfect attitude to serve someone to the fullest without any complains.

      She has maximum tolerance and exhibits maximum patience whenever she serves her customers. She cleared all my doubts without any problems whenever I approached her for any problems. 

      She no doubt is the best person you can look for if you have any questions regarding Frank's benefits and information.

      She served me so efficiently and happily with a kind and warm smile and a tone that sweetens the deal which attracted me to sign this particular deal with no objections and second thoughts.

      So why not head down to any OCBC Outlets today especially the one at Singapore Polytechnic now?

      Inform Germaine that I recommended you there and she'll try her very utmost best to serve you to the fullest.
      Hope all of you would support OCBC and head down to get your FRANK Account Today! 

      PS: Details May Be Outdated
      Visit to find out more



      1. Is it possible to do signature based transaction?

        1. Yes you can do a signature base transaction either on debit or credit. Debit means that you the amount would be directly deducted from the account after the transaction is successfully processed whereas a credit is credited and accumulated until the end of the month and you have the pay as soon as possible or an interested would be incurred depending on the amount of money that you still have on hold for payment. ATM card are only for withdrawal and making payments with the ordinary nets payment that requires pin. Thus, a debit card would be sufficient if you are still not a working adult with sufficient annual income. Though there are certain cards that may be present in the market that allows you to the apply one with no annual income
          Requirements but I recommend a frank debit card would suffice for basic usage and signature base transactions. Moreover you get to pick your own favorite designs and the prices are listed on their websites.

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