OCBC runs a three-step wealth ladder: Premier Banking, Premier Private Client (PPC) and the group's private bank, Bank of Singapore. All three minimums are published, which makes the route from affluent banking to private banking unusually easy to plan. Data as of July 2026.
The three steps and their minimums
Premier Banking starts at S$350,000 in qualifying AUM (ocbc.com). Qualifying AUM covers deposits — current accounts and fixed deposits — plus investments and insurance with surrender value bought through the bank. Note the number: the threshold used to be S$200,000; OCBC has raised it to S$350,000, and the old figure still circulating in reviews is out of date.
Premier Private Client requires S$1.5 million in qualifying AUM plus Accredited Investor status (PPC page). Bank of Singapore takes clients from US$5 million in investable assets (bankofsingapore.com) — that bar was also raised, from US$3 million.
| Step | Minimum | Condition |
|---|---|---|
| Premier Banking | S$350,000 qualifying AUM | Raised from S$200,000 |
| Premier Private Client | S$1.5M qualifying AUM | • Accredited Investor status |
| Bank of Singapore | US$5M investable assets | Raised from US$3M |
Premier Banking
The base tier delivers a personal relationship manager and the bank's investment platform. Clients living outside Singapore are served through a dedicated international wealth track (page), and the Regional Premier Banking programme extends the status and privileges across the group's regional footprint.
Premier Private Client: the Accredited Investor layer
PPC sits between affluent and private banking: S$1.5 million in qualifying AUM and mandatory Accredited Investor status. The AI criteria follow the MAS standard: net personal assets above S$2 million (the primary residence counted up to S$1 million), or income of at least S$300,000 over the last 12 months, or net financial assets above S$1 million.
The point of the status is the product shelf: alternative funds, structured investments and legacy planning tools. The service upgrade comes with it — a Client Advisor instead of a regular RM, access to the OCBC Wealth Panel and a dedicated PPC Centre.
Escalation to Bank of Singapore
The top step is Bank of Singapore, the group's full private bank with a US$5 million investable assets minimum. The bar was lifted from US$3 million — the US$1–5M segment is deliberately left with PPC. The transitions are built into the marketing: the Premier page itself promotes PPC as a way to “elevate your wealth journey”.
For competitor ladders, see the OCBC overview, DBS Treasures and the banks overview.
Non-residents
Premier Banking addresses clients outside Singapore through the international wealth track at the same threshold. There are no published terms by citizenship or residency — acceptability of a profile, including holders of Russian passports, comes down to individual compliance and source of funds.
Who it suits
The S$350,000–1.5M range is Premier Banking territory: a personal banker, the investment platform, regional status. PPC pays off once a portfolio reaches S$1.5 million and the Accredited Investor test is met — it unlocks alternatives and structured products without a private banking minimum.
It does not suit capital above US$5 million that needs booking centres, complex structures and full private banking — that conversation belongs with Bank of Singapore. Nor does it suit a client unwilling to keep S$350,000 in qualifying AUM: below the bar only retail banking remains.
FAQ
What is the minimum for OCBC Premier Banking?
S$350,000 in qualifying AUM: deposits, investments and insurance with surrender value bought through the bank. As of July 2026; the previous S$200,000 threshold no longer applies.
Who qualifies as an Accredited Investor for Premier Private Client?
Under MAS criteria: net personal assets above S$2M (residence capped at S$1M), or income of S$300K+ over the last 12 months, or net financial assets above S$1M.
How is PPC different from Bank of Singapore?
PPC lives inside OCBC — S$1.5M, a Client Advisor and an Accredited Investor product shelf. Bank of Singapore is the group's standalone private bank with a US$5M minimum and its own platform.
Does OCBC Premier work with non-residents?
Yes, through the international wealth track at the same S$350,000 threshold. No separate public terms are disclosed — profiles are assessed by compliance.