Personal banking
Money that keeps up with your life.
Current accounts, savings, payments and a mobile app built for people who live, earn or spend in more than one place.
Everyday accounts
Three current accounts. No hidden monthly surprises.
Oceans Pacific Everyday
Free current account with local details in four regions, instant transfers and a contactless debit card. No minimum balance.
Oceans Pacific Global Plus
$9 a month. Thirty currencies, unlimited fee-free ATM withdrawals abroad, travel cover and priority support.
Oceans Pacific Start
For students and under-25s. No fees, a small interest-free buffer and budgeting tools that actually explain themselves.
Savings & deposits
Put money somewhere it earns its keep.
High-Yield Savings
Variable rate paid monthly, instant access, no notice period and no tiering games.
Fixed-Term Certificates
Lock in a rate for 12, 24, 36 or 60 months. The longer the term, the higher the rate.
Goal Saver
Named pots for a deposit, a wedding or a rainy day, with automatic round-ups from spending.
Money Market Account
For larger balances that still need to move. Tiered rates from $25,000.
Junior & Kids Club
A first account in their name, with parental oversight and a bonus rate until they turn eighteen.
Seasonal & Club Saver
Ring-fence money for the holidays or school fees and release it on a date you choose.
| Product | Rate (AER) | Access | Minimum |
|---|---|---|---|
| High-Yield Savings | 3.85% | Instant | $1 |
| 12-month Certificate | 4.10% | At maturity | $500 |
| 36-month Certificate | 4.35% | At maturity | $500 |
| 60-month Certificate | 4.50% | At maturity | $1,000 |
| Money Market | 3.95% | Instant | $25,000 |
| Junior Saver | 4.25% | Instant | $1 |
Illustrative figures. Rates are variable unless the term is fixed, and are not an offer.
Your bank, in your pocket
The Oceans Pacific app is the whole bank, not a cut-down version of it. Open a savings pot, apply for a loan, replace a lost card or message your adviser without ever visiting a branch.
- Real-time notifications with merchant name, logo and location
- Spending insights by category, merchant and currency
- Freeze, unfreeze and re-issue cards instantly
- Statements, tax summaries and proof of address on demand
- Full screen-reader support and adjustable text size
Payments & transfers
Getting money from here to there.
Instant local transfers
FAST and PayNow, Australia’s NPP, FedNow and Hong Kong’s FPS — settled in seconds, seven days a week.
International transfers
Interbank rate plus a published 0.35% fee. You see the exact amount that will arrive before you confirm.
Standing orders & direct debits
Schedule, pause or cancel from the app, with a clear calendar of what leaves when.
Request to pay
Send a payment link to anyone, in any supported currency, and watch it settle live.
One-time & branch payments
Pay a loan or card by transfer, in branch, or by post if you prefer paper.
Scheduled bill hub
All your recurring costs in one view, with a warning before a balance runs short.
Questions
Before you open an account.
A government-issued photo ID, a selfie for liveness matching and your tax residency details. If your address cannot be verified electronically we may ask for one recent utility bill or bank statement.
Most personal applications are decided within a few minutes and almost all within one business day. Your virtual card is usable the moment the account opens; the physical card arrives in five to seven working days.
Eligible deposits are covered by the deposit guarantee scheme of the market that holds your balance, up to the equivalent of $100,000 per client per institution. Investment products are not deposits and are not covered by that scheme.
Yes. Global Plus supports thirty currencies in a single account, each with its own balance, and you convert between them at the interbank rate plus a published fee.
Support is staffed 24 hours a day in English, Mandarin, Japanese and Bahasa Indonesia. Global Plus and Wealth clients get a named adviser and a direct line.
No. You can close a personal account at any time at no cost, and we will help move your payment instructions to your new bank.
Ready when you are.
Open an Everyday account in minutes, or book twenty minutes with an adviser to talk it through first.