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Opening an OCB Bank Account
Customers open accounts at OCB Bank (Orient Commercial Joint Stock Bank) for various purposes such as salary payments, savings deposits, etc., but with the common intention of quickly sending and receiving money, avoiding wasting time. So how do you open an OCB account? What documents do you need to prepare?
Requirements for Opening an OCB Bank Account
To have an account at OCB Bank, readers need to ensure they meet the following conditions:
- You must be at least 18 years old to open an OCB bank account, as you need to have a national identity card (ID card)
- When opening a bank account, the cardholder must bring their ID card/passport/resident identity card with the original copy to the transaction counters of the OCB bank system
Although opening an account is free, you need to maintain a minimum balance of $5. Therefore, when visiting the bank's counters to make a card, remember to bring the specified amount of money.
Most of the basic conditions mentioned above are applied not only to OCB but also to other banks. So, regardless of which bank you choose to open an account with, make sure to prepare accordingly to avoid unnecessary trips.
OCB Bank Fees: Opening, Depositing, Withdrawing
OCB Bank Account Opening and Management Fees
OCB Bank offers completely free account opening, but customers must ensure a minimum account balance of 50,000 dong when opening accounts for regular payment packages, standard smart accounts, gold smart accounts, and diamond smart accounts. However, accounts such as salary accounts, education accounts, employee accounts, and OCB shareholder accounts are not maintained.
Account management:
) Regular payment package: 5,000 dong/month (balance below 50,000 dong)
) Standard smart account: 5,000 dong/month (average balance not maintained at 2,000,000 dong/month)
) Gold smart account: 10,000 dong/month (average balance not maintained: 5,000,000 dong/month)
) Diamond smart account: 50,000 dong/month (average balance not maintained: 50,000,000 dong/month)
) Salary account: 5,000 dong/month (free for the first 2 years)
) Education account and Employee account: Free
*) OCB Shareholder Account: 5,000 dong/month (free for the first 2 years)
OCB Bank Withdrawal and Transfer Fees
Schedule of OCB Bank Opening, Withdrawal, and Transfer Fees.
How to Open an OCB Bank Account
Open an OCB Bank Account at the Counter
The process of opening a bank account at the counter is common practice for all banks in Vietnam, and OCB is no exception. If you wish to open an OCB bank account, you can follow these instructions:
- Bring necessary documents such as ID card/passport/residential card to the OCB bank branch Here.
- Upon arrival at the bank, take a queue number and wait for your turn.
- Express your desire to open an account, and the bank staff will provide you with a pre-made registration form and guide you to fill in the required information.
- After completing the personal information, submit it to the bank staff. Note that, for the account opening process to be successful, you need to have a legitimate signature. Therefore, you must be present in person to open the account and cannot have someone else do it for you. Especially, the signature is crucial for smooth transactions in the future. If you happen to forget your signature, withdrawing money at the counter will be difficult as the bank staff will not be able to verify you as the account owner.
- These are the steps to open a bank account, however, if you wish to apply for an accompanying ATM card, you'll have to wait for an appointment to collect the card from the bank, which may take from 1 week to 1 month.
Open an OCB Bank Account Online
Recently, OCB Bank introduced OMNI digital banking, allowing customers to open cards, online accounts, apply for online loans, etc., quickly and easily without the need to visit a branch in person. Opening a bank account online is not difficult if you follow the instructions shared below:
- Step 1: Customers access the website: Here and click on the OCB OMNI section on the homepage.
- Step 2: When you click on OCB OMNI, the screen will display a form for free online account registration.
- Step 3: Fill in personal information such as name, date of birth, phone number, email, identification documents, contact address, etc.
- Step 4: After filling in the required fields, click continue to submit the account opening application to OCB Bank. The bank staff will contact you upon receiving the customer's request. With online registration, you will save time as it only takes 30 seconds to fill in the information.
Services to Consider When Opening an OCB Bank Account
Accompanying the account opening are services such as OCB Mobile, OCB Online, and SMS Banking. These are services that customers should register for as they provide convenience in accessing information, transferring money quickly and easily.
*) OCB Mobile
- A service enabling transfer, receipt of money, bill payments, mobile top-ups, etc., through an application installed on a phone with internet connectivity.
- To use OCB Mobile service, customers need to register at the counter immediately upon opening an account. This service is provided entirely free of charge by OCB Bank.
*) Internet Banking/OCB Online
- Online electronic banking allows customers to perform all transactions directly on devices with internet connectivity such as computers, mobile phones through the website: ebanking.ocb.com.vn
- With this service, customers can register at the counter or register for OCB Internet Banking online through the OCB OMNI digital bank.
*) SMS Banking
Registering for SMS Banking service, customers will receive monthly balance notifications as well as detailed transaction information.
With the specific steps to open an OCB bank account mentioned above, customers can easily proceed without wasting time and effort. To learn more about the services provided besides opening an account, customers can contact OCB bank's hotline: 18006678. This is a 24/7 hotline aimed at assisting customers with inquiries regarding account information, balances, savings interest rates, OCB Phuong Dong bank's working hours,... Additionally, readers can also contact via Email: [email protected] for any issues they encounter to be promptly resolved by OCB bank.
