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Businesses with complex ownership structures, multiple shareholders, or foreign beneficial owners can open their accounts digitally too, but there may be additional due diligence requirements.",[],{"_key":1529,"_type":1316,"cells":1530},"k140",[1531,1542,1552,1562],{"_key":1532,"_type":1320,"content":1533},"k141",[1534],{"_key":1535,"_type":170,"children":1536,"markDefs":1541,"style":190},"k230",[1537],{"_key":1538,"_type":174,"marks":1539,"text":1540},"k229",[1183],"Support and ecosystem",[],{"_key":1543,"_type":1320,"content":1544},"k144",[1545],{"_key":1546,"_type":170,"children":1547,"markDefs":1551,"style":190},"k233",[1548],{"_key":1549,"_type":174,"marks":1550,"text":1338},"k232",[],[],{"_key":1553,"_type":1320,"content":1554},"k147",[1555],{"_key":1556,"_type":170,"children":1557,"markDefs":1561,"style":190},"k236",[1558],{"_key":1559,"_type":174,"marks":1560,"text":1515},"k235",[],[],{"_key":1563,"_type":1320,"content":1564},"k150",[1565],{"_key":1566,"_type":170,"children":1567,"markDefs":1572,"style":190},"k239",[1568],{"_key":1569,"_type":174,"marks":1570,"text":1571},"k238",[],"Good integration into Singapore’s banking andSME ecosystem, including financing, payroll, and merchant services, though less startup-focused than some competitors.",[],{"_key":1574,"_type":1316,"cells":1575},"k153",[1576,1579,1582,1585],{"_key":1577,"_type":1320,"content":1578},"k154",[],{"_key":1580,"_type":1320,"content":1581},"k157",[],{"_key":1583,"_type":1320,"content":1584},"k160",[],{"_key":1586,"_type":1320,"content":1587},"k163",[],{"_key":1589,"_type":1316,"cells":1590},"k166",[1591,1594,1597,1600],{"_key":1592,"_type":1320,"content":1593},"k167",[],{"_key":1595,"_type":1320,"content":1596},"k170",[],{"_key":1598,"_type":1320,"content":1599},"k173",[],{"_key":1601,"_type":1320,"content":1602},"k176",[],{"_key":1604,"_type":170,"children":1605,"markDefs":1610,"style":1186},"k243",[1606],{"_key":1607,"_type":174,"marks":1608,"text":1609},"k242",[1183],"Features of the OCBC Business Growth Account",[],{"_key":1612,"_type":170,"children":1613,"markDefs":1618,"style":190},"k247",[1614],{"_key":1615,"_type":174,"marks":1616,"text":1617},"k246",[],"The OCBC Business Growth Account is a Singapore Dollar (SGD)-denominated business current account offered by OCBC Bank, one of Singapore's three major banks. The account is ideal for businesses that primarily transact in Singapore dollars.",[],{"_key":1620,"_type":170,"children":1621,"markDefs":1626,"style":190},"k251",[1622],{"_key":1623,"_type":174,"marks":1624,"text":1625},"k250",[],"The account comes in two variants:",[],{"_key":1628,"_type":170,"children":1629,"level":1303,"listItem":1634,"markDefs":1635,"style":190},"k255",[1630],{"_key":1631,"_type":174,"marks":1632,"text":1633},"k254",[],"A standard non-interest-earning account","bullet",[],{"_key":1637,"_type":170,"children":1638,"level":1303,"listItem":1634,"markDefs":1643,"style":190},"k259",[1639],{"_key":1640,"_type":174,"marks":1641,"text":1642},"k258",[],"An interest-earning option for businesses that can maintain a higher minimum balance",[],{"_key":1645,"_type":170,"children":1646,"markDefs":1651,"style":190},"k263",[1647],{"_key":1648,"_type":174,"marks":1649,"text":1650},"k262",[],"This account also grants access to OCBC's digital banking tools and the option to simultaneously open a Multi-Currency Business Account supporting 13 currencies. Businesses that opt for the interest-earning variant also unlock 1% cashback on qualifying foreign currency spend.",[],{"_key":1653,"_type":170,"children":1654,"markDefs":1659,"style":190},"k267",[1655],{"_key":1656,"_type":174,"marks":1657,"text":1658},"k266",[],"In this OCBC Business Growth Account review, we will look at the different aspects of the account and how it helps to make SME banking Singapore more seamless for entrepreneurs.",[],{"_key":1661,"_type":170,"children":1662,"markDefs":1667,"style":190},"k271",[1663],{"_key":1664,"_type":174,"marks":1665,"text":1666},"k270",[],"Here are the features of the OCBC Business Growth Account:",[],{"_key":1669,"_type":170,"children":1670,"markDefs":1675,"style":1219},"k275",[1671],{"_key":1672,"_type":174,"marks":1673,"text":1674},"k274",[],"Affordable transaction fee structure",[],{"_key":1677,"_type":170,"children":1678,"markDefs":1683,"style":190},"k279",[1679],{"_key":1680,"_type":174,"marks":1681,"text":1682},"k278",[],"OCBC offers 80 free FAST transactions and 80 free outward GIRO transactions, which can be valuable for businesses frequently engaging in online transactions.",[],{"_key":1685,"_type":170,"children":1686,"markDefs":1691,"style":1219},"k283",[1687],{"_key":1688,"_type":174,"marks":1689,"text":1690},"k282",[],"Tailored banking solutions",[],{"_key":1693,"_type":170,"children":1694,"markDefs":1699,"style":190},"k287",[1695],{"_key":1696,"_type":174,"marks":1697,"text":1698},"k286",[],"Banking solutions tailored to the needs of healthcare, food and beverage (F&B), logistics, online retail, and professional services, etc. These solutions may include customised financing options, cash flow management tools, payment collection services, payroll solutions, and trade finance facilities.",[],{"_key":1701,"_type":170,"children":1702,"markDefs":1707,"style":1219},"k291",[1703],{"_key":1704,"_type":174,"marks":1705,"text":1706},"k290",[],"Cashbacks and other benefits",[],{"_key":1709,"_type":170,"children":1710,"markDefs":1715,"style":190},"k295",[1711],{"_key":1712,"_type":174,"marks":1713,"text":1714},"k294",[],"The OCBC Business Debit Card earns up to 1% cashback on everyday business spend, plus unlimited 0.2% cashback on all other qualifying transactions. Businesses that activate the interest-earning option also unlock 1% cashback on qualifying foreign currency spend.",[],{"_key":1717,"_type":170,"children":1718,"markDefs":1723,"style":1186},"k299",[1719],{"_key":1720,"_type":174,"marks":1721,"text":1722},"k298",[1183],"OCBC Business Growth Account fees and other charges",[],{"_key":1725,"_type":170,"children":1726,"markDefs":1731,"style":190},"k303",[1727],{"_key":1728,"_type":174,"marks":1729,"text":1730},"k302",[],"This section summarises the OCBC Business Growth Account fees:",[],{"_key":1733,"_type":170,"children":1734,"markDefs":1739,"style":1219},"k307",[1735],{"_key":1736,"_type":174,"marks":1737,"text":1738},"k306",[],"Monthly fees",[],{"_key":1741,"_type":170,"children":1742,"markDefs":1747,"style":190},"k311",[1743],{"_key":1744,"_type":174,"marks":1745,"text":1746},"k310",[],"Business Growth Account comes with a monthly account fee of SGD $10. This fee is waived for the first two months. Additionally, you must also pay a service charge if your balance falls below the minimum deposit. For standard accounts, the minimum deposit is SGD $1,000, and the fall below fee is SGD $20. However, businesses that choose the interest-earning account option must maintain a minimum deposit of SGD $50,000 or pay a fall below fee of SGD $50 per month.",[],{"_key":1749,"_type":170,"children":1750,"markDefs":1755,"style":1219},"k315",[1751],{"_key":1752,"_type":174,"marks":1753,"text":1754},"k314",[],"Early closure",[],{"_key":1757,"_type":170,"children":1758,"markDefs":1763,"style":190},"k319",[1759],{"_key":1760,"_type":174,"marks":1761,"text":1762},"k318",[],"If you close your account within 12 months of opening, you’ll need to pay SGD $50 as an early account closure fee.",[],{"_key":1765,"_type":170,"children":1766,"markDefs":1771,"style":1219},"k323",[1767],{"_key":1768,"_type":174,"marks":1769,"text":1770},"k322",[],"Overdraft",[],{"_key":1773,"_type":170,"children":1774,"markDefs":1779,"style":190},"k327",[1775],{"_key":1776,"_type":174,"marks":1777,"text":1778},"k326",[],"Incidental overdrafts may attract administrative charges and interest, based on OCBC’s prevailing rates and terms. Currently, OCBC has set the interest for the overdraft facility at Prime Rate plus 4.75% p.a. OCBC’s Prime Rate stands at 5%. So, the interest will be calculated at 9.75% p.a.",[],{"_key":1781,"_type":170,"children":1782,"markDefs":1787,"style":1219},"k331",[1783],{"_key":1784,"_type":174,"marks":1785,"text":1786},"k330",[],"Transaction fees",[],{"_key":1789,"_type":170,"children":1790,"markDefs":1813,"style":190},"k345",[1791,1795,1800,1804,1809],{"_key":1792,"_type":174,"marks":1793,"text":1794},"k340",[],"OCBC charges transaction fees on ",{"_key":1796,"_type":174,"marks":1797,"text":1799},"k341",[1798],"k333","Fast and Secure Transfers (FAST)",{"_key":1801,"_type":174,"marks":1802,"text":1803},"k342",[]," payments and ",{"_key":1805,"_type":174,"marks":1806,"text":1808},"k343",[1807],"k336","General Interbank Recurring Order (GIRO)",{"_key":1810,"_type":174,"marks":1811,"text":1812},"k344",[]," transactions. FAST payments, which result in real-time transfers, cost SGD $0.50 per transaction from the 81st transaction onwards. The first 80 FAST payments of the month are free.",[1814,1816],{"_key":1798,"_type":188,"externalUrl":1815,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Ffast-transfers-in-singapore-for-seamless-fund-transfers",{"_key":1807,"_type":188,"externalUrl":1817,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Fa-comprehensive-guide-to-giro-payments-and-transfers-in-singapore",{"_key":1819,"_type":170,"children":1820,"markDefs":1825,"style":190},"k349",[1821],{"_key":1822,"_type":174,"marks":1823,"text":1824},"k348",[],"Similarly, the first 80 outward GIRO transactions each month are free. However, from the 81st outward GIRO transaction, a fee of SGD $0.20 per transaction is applicable on standard outward GIRO. Returned outward GIRO transactions may incur fees up to SGD $10 per transaction.",[],{"_key":1827,"_type":170,"children":1828,"markDefs":1833,"style":190},"k353",[1829],{"_key":1830,"_type":174,"marks":1831,"text":1832},"k352",[],"The cost per inward GIRO returns is SGD $0.50 for up to 50 transactions, SGD $0.70 per transaction for the next 150 transactions, SGD $1 per transaction for the next 300 transactions, and SGD $1.50 per transaction for any transaction after that. GIRO standing instructions cost SGD $10 per transaction.",[],{"_key":1835,"_type":170,"children":1836,"markDefs":1841,"style":1219},"k357",[1837],{"_key":1838,"_type":174,"marks":1839,"text":1840},"k356",[],"Cheques",[],{"_key":1843,"_type":170,"children":1844,"markDefs":1849,"style":190},"k361",[1845],{"_key":1846,"_type":174,"marks":1847,"text":1848},"k360",[],"Each cheque you write comes with a small fee:",[],{"_key":1851,"_type":170,"children":1852,"level":1303,"listItem":1634,"markDefs":1857,"style":190},"k365",[1853],{"_key":1854,"_type":174,"marks":1855,"text":1856},"k364",[],"SGD cheques: SGD $0.75",[],{"_key":1859,"_type":170,"children":1860,"level":1303,"listItem":1634,"markDefs":1865,"style":190},"k369",[1861],{"_key":1862,"_type":174,"marks":1863,"text":1864},"k368",[],"USD cheques: USD $1.00",[],{"_key":1867,"_type":170,"children":1868,"markDefs":1873,"style":190},"k373",[1869],{"_key":1870,"_type":174,"marks":1871,"text":1872},"k372",[],"Cheques in other currencies cost more to process, you'll pay a variable fee based on the cheque amount, plus any third-party handling or delivery charges.",[],{"_key":1875,"_type":170,"children":1876,"markDefs":1881,"style":1219},"k377",[1877],{"_key":1878,"_type":174,"marks":1879,"text":1880},"k376",[],"Internet banking",[],{"_key":1883,"_type":170,"children":1884,"markDefs":1889,"style":190},"k381",[1885],{"_key":1886,"_type":174,"marks":1887,"text":1888},"k380",[],"OCBC has a token system for authorising transactions. Digital tokens are free, but hardware tokens cost SGD $50.",[],{"_key":1891,"_type":170,"children":1892,"markDefs":1897,"style":1219},"k385",[1893],{"_key":1894,"_type":174,"marks":1895,"text":1896},"k384",[],"Electronic alerts",[],{"_key":1899,"_type":170,"children":1900,"markDefs":1905,"style":190},"k389",[1901],{"_key":1902,"_type":174,"marks":1903,"text":1904},"k388",[],"The OCBC Business Growth Account charges a monthly service fee for cash management and trade finance alerts, depending on the number of users to be notified. These fees are waived for the first three months. Cash management alerts (real-time notifications that help businesses monitor cash flow instantly) cost SGD $25 per month to notify up to two users, and an additional monthly fee of SGD $10 per additional user\u002Faccount is applicable.",[],{"_key":1907,"_type":170,"children":1908,"markDefs":1913,"style":190},"k393",[1909],{"_key":1910,"_type":174,"marks":1911,"text":1912},"k392",[],"Trade finance alerts (automated digital alerts that inform you about international trade transaction statuses in real time) cost SGD $25 per month, and an additional monthly fee of SGD $25 per additional user\u002Faccount is applicable.",[],{"_key":1915,"_type":170,"children":1916,"markDefs":1921,"style":190},"k397",[1917],{"_key":1918,"_type":174,"marks":1919,"text":1920},"k396",[],"If you need a combined plan for both cash management and trade finance alerts, you must pay SGD $35 per month and an additional monthly fee of SGD $15 for each additional user\u002Faccount to be notified.",[],{"_key":1923,"_type":170,"children":1924,"markDefs":1929,"style":1186},"k401",[1925],{"_key":1926,"_type":174,"marks":1927,"text":1928},"k400",[1183],"How to open an OCBC Business Growth Account?",[],{"_key":1931,"_type":170,"children":1932,"markDefs":1937,"style":190},"k405",[1933],{"_key":1934,"_type":174,"marks":1935,"text":1936},"k404",[],"OCBC business account opening is a 4-step process, which is as follows:",[],{"_key":1939,"_type":170,"children":1940,"level":1303,"listItem":1634,"markDefs":1945,"style":190},"k409",[1941],{"_key":1942,"_type":174,"marks":1943,"text":1944},"k408",[],"Navigate to the Business Growth Account page on the OCBC website and apply online with your Myinfo Business via Singpass login",[],{"_key":1947,"_type":170,"children":1948,"level":1303,"listItem":1634,"markDefs":1962,"style":190},"k418",[1949,1953,1958],{"_key":1950,"_type":174,"marks":1951,"text":1952},"k415",[],"Verify that the displayed company name, ",{"_key":1954,"_type":174,"marks":1955,"text":1957},"k416",[1956],"k411","UEN information",{"_key":1959,"_type":174,"marks":1960,"text":1961},"k417",[],", product selections, and company details are accurate",[1963],{"_key":1956,"_type":188,"externalUrl":1964,"linkType":145},"https:\u002F\u002Faspireapp.com\u002Fblog\u002Funique-entity-number-uen",{"_key":1966,"_type":170,"children":1967,"level":1303,"listItem":1634,"markDefs":1972,"style":190},"k422",[1968],{"_key":1969,"_type":174,"marks":1970,"text":1971},"k421",[],"Upload your signature",[],{"_key":1974,"_type":170,"children":1975,"level":1303,"listItem":1634,"markDefs":1980,"style":190},"k426",[1976],{"_key":1977,"_type":174,"marks":1978,"text":1979},"k425",[],"If all details are satisfactory, your account will be opened, and you will receive your account number",[],{"_key":1982,"_type":170,"children":1983,"markDefs":1988,"style":190},"k430",[1984],{"_key":1985,"_type":174,"marks":1986,"text":1987},"k429",[],"Instant account opening is only for Singapore-registered businesses owned by citizens or PRs applying for their first OCBC Business Account. Businesses with foreign shareholders, foreign directors, complex ownership structures, or overseas-incorporated entities may require additional documentation such as proof of ownership, identification details for key stakeholders, and additional corporate documentation. For foreign-owned and foreign-incorporated companies, OCBC offers remote onboarding; however, approval is still subject to further due diligence and regulatory reviews.",[],{"_key":1990,"_type":170,"children":1991,"markDefs":1996,"style":1186},"k434",[1992],{"_key":1993,"_type":174,"marks":1994,"text":1995},"k433",[1183],"Who is the OCBC Business Growth Account best suited for?",[],{"_key":1998,"_type":170,"children":1999,"markDefs":2004,"style":190},"k438",[2000],{"_key":2001,"_type":174,"marks":2002,"text":2003},"k437",[],"The account’s fee structure is geared towards businesses with a moderate transaction volume.",[],{"_key":2006,"_type":170,"children":2007,"markDefs":2012,"style":190},"k442",[2008],{"_key":2009,"_type":174,"marks":2010,"text":2011},"k441",[],"The OCBC Business Growth Account is ideal for Singapore-registered businesses seeking traditional banking with digital tools, multi-currency support, and a fee structure built for moderate transaction volumes. If your business has steady, predictable cash flows, whether you run a consultancy, F&B, logistics, tech startup, marketing agency, or an e-commerce store, this account could be the right fit.",[],{"_key":2014,"_type":170,"children":2015,"markDefs":2020,"style":190},"k446",[2016],{"_key":2017,"_type":174,"marks":2018,"text":2019},"k445",[],"As long as your transactions stay within the account's free threshold, you can enjoy cost-efficient banking that grows alongside your business.",[],{"_key":2022,"_type":170,"children":2023,"markDefs":2028,"style":190},"k450",[2024],{"_key":2025,"_type":174,"marks":2026,"text":2027},"k449",[],"However, if your business handles a large volume of daily transactions, such as wholesale trade, retail, or logistics, you may wish to explore a higher-tier account to keep operational banking costs in check.",[],{"_key":2030,"_type":170,"children":2031,"markDefs":2036,"style":1186},"k454",[2032],{"_key":2033,"_type":174,"marks":2034,"text":2035},"k453",[1183],"Pros and cons of the OCBC Business Growth Account",[],{"_key":2038,"_type":1294,"columnHeaders":2039,"hasColumnTitles":141,"hasRowTitles":152,"rows":2046},"k455",[2040,2043],{"_key":2041,"_type":1298,"cellIndex":1299,"title":2042},"k456","Pros",{"_key":2044,"_type":1298,"cellIndex":1303,"title":2045},"k457","Cons",[2047,2072,2097,2122,2147,2172,2204,2221],{"_key":2048,"_type":1316,"cells":2049},"k458",[2050,2061],{"_key":2051,"_type":1320,"content":2052},"k459",[2053],{"_key":2054,"_type":170,"children":2055,"markDefs":2060,"style":190},"k519",[2056],{"_key":2057,"_type":174,"marks":2058,"text":2059},"k518",[],"80 free FAST and 80 free outward GIRO transactions per month help reduce costs for businesses with moderate transaction 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