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Frank Account + Debit Card

FRANK Account & Frank Debit Card

Simple, thoughtful and stylish – deposit account and debit card suited for students! Save when you spend on things you already love.

  • *NEW* - Receive and use your digital card instantly when you apply via MyInfo
  • Enjoy an interest rate of up to 0.3% per year
  • Choose from our selected stylish card designs and earn 1% rebate when you shop, eat and ride

The 1st stop for your money

Perfect for students

Let your FRANK Account keep your money growing while you focus on those grades.

  • Up to 4x more interest than regular savings accounts
  • No hidden fees
  • Opened with a FRANK Debit Card - over 60 designs to choose from!

For SMU Students: Get S$20 cash reward when you apply for a FRANK Account and Debit Card.

Find out more

  • S$0
    initial deposit

    Open the account with no initial deposit

  • S$0
    fall below fees

    For youths below 26 years old

  • 4x
    higher interest

    As compared to regular savings accounts

instant sign-up

Get your account and digital debit card instantly when you apply online via Myinfo

Easy to save

Set Savings Goals to save for your wish list using your mobile banking app

Learn more

How it works

An account that earns you up to 4x more than regular savings accounts

When it comes to saving, it's time to glo up from your regular savings account with more interest.

FRANK Account + Debit Card

Complement your account with the FRANK Debit Card

  • S$0
    Annual fees

    Only pay for the things you buy and nothing else

  • 60+
    card designs

    Choose a style you vibe with in our collection

  • 1%

    Save when you shop at ASOS, Lazada and more

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Before you apply
  • Eligibility

    Min. age

    16 years old

  • Fees for FRANK account

    Initial deposit


    Monthly service fees


  • Fees for FRANK Debit Card

    Annual fees


    Card design fees


    Card replacement fees

    Waived for first 2 replacements within 12 months from the first card replacement

  • what to prepare

    Singaporeans or Singapore PR

    NRIC and an image of your signature
    Documents for new OCBC customer


    Passport with 6 months' validity
    Employment Pass, Special Pass or Student Pass
    Documents for new OCBC customer

  • Letters

    You will receive electronic versions of Letters for all your relationships/accounts.



Get S$20 cash reward when you apply for a FRANK Account and Debit Card by 31 March 2024. Limited to first 1,000 eligible customers per month.

Terms and conditions apply.

Get your account running instantly

No Singpass account? Let us guide you through the application process from start to finish.

  • Can I open a FRANK Account in Joint Name?

    No. FRANK Accounts are not available under joint account holdings.

  • What happens when I turn 26 years old?

    Once you turn 26 years old, there is a service fee of S$2 if the average daily balance for the month is less than S$1,000.

  • Why is there a hold amount & breakdown of amounts?

    If you've used your debit card recently, there will a difference between your Account Balance and Available Balance – when you do a transaction on you debit card, it may take up to 7 days to reflect that transaction on the card account. After which, the transaction amount is deducted accordingly.

  • I don't have an existing SingPass can I still open a FRANK Account?

    Yes, if you do not have an existing SingPass, you may apply via the following link.

    Alternatively, you may apply via our online form and get your account in 5 working days.

  • I am a foreign student with a valid student pass. Can I open a FRANK Account?

    Yes. Foreigner with a valid pass will be able to open a FRANK Account:

    • Dependent pass
    • Employment pass
    • Student pass
    • Long term visit pass, or
    • Diplomatic pass

    You are required to have your passport (with a minimum 6 months validity), a valid pass, and a proof of your residential address.
    Your proof of residential address may be one of the following documents:
    Latest month Telco/Utility Bill OR Latest bank statement/credit card bill statement OR Tenancy Agreement OR Income Tax Notice of Assessment OR a letter from your school indicating your valid residential address.

    If you have an original Faculty/Hall of Residence Letter issued by your school, please submit all your documents at any OCBC Branches or on designated days at the FRANK Stores.