How can I best maximise my OCBC 360 Savings account as a freelance, self-employed person without salary credit?

Hi Rachel, this hack will require some effort but it will help you maximize your interest. You will have to alternate your funds every month, preferrable with another interest bearing savings account (like CIMB Fastsaver, Maybank iSavvy or Standard Chartered eSaver):

1. Mth1 = OCBC360 = $70k

2. CIMB Fastsaver = 0

Total interest = 1.5% from OCBC (Stepup=0.45% + Boost=1% + Base=0.05%)

1. Mth2 = OCBC360 = 0

2. CIMB Fastsaver = $70k

Total interest = 1% from CIMB Fastsaver

1. Mth3 = OCBC360= $70k (repeat from step 1)

2. CIMB Fastsaver = 0

Essentially, this will allow you to qualify for the bonus 1% interest from Boost.

Do take note of the minimum sum requirement for OCBC360 if you've passed the first year fee waiver though.​​​