Name: OCBC RoboInvest
Brand: OCBC
Price: 100 USD
Availability: InStock
Rating: 3.9 (1 reviews)

Overview

OCBC RoboInvest gives OCBC customers access to 38 thematic portfolios spanning tech, healthcare, ESG, and regional markets, all from US$100. The platform holds direct stocks and ETFs across 7 global markets, with Saxo Capital Markets handling custody and trade execution. Backed by OCBC Bank and powered by WeInvest, it was Southeast Asia's first bank-launched robo-advisor. Rebalancing runs quarterly or semi-annually with your approval, and 11 portfolios also support monthly investment plans.

Pros

↑38 thematic portfolios covering Electric Vehicle, Cybersecurity, ESG, and more
↑Built into OCBC Digital banking, so existing customers can start with a few taps
↑Fixed 0.88% flat fee means smaller portfolios are not penalised by high minimums

Cons

↓0.88% management fee is higher than competitors charging 0.5% - 0.7%
↓Requires an existing OCBC bank account with digital banking access
↓No CPF or SRS investment capability available

Key Highlights

Welcome Offer
S$20 referral credits
Both referrer and referee receive S$20 management fee credits
Referee must be new to OCBC RoboInvest
Credits awarded 2 - 3 business days after first investment settles
Unlimited referrals allowed per customer

Trading Costs
0.88% annual fee
Fixed flat rate of 0.88% per year on total investment value
Charged monthly based on calendar days in each month
Same percentage for all investment amounts, no volume discounts
Additional exchange fees vary by market (e.g. SGX clearing 0.0325%, US SEC 0.00221%)

Assets & Markets
38 themed portfolios
Income, thematic, and risk-based strategies available
Themes include Electric Vehicle, Cybersecurity, ESG, Impact Investing, Precious Metals
Access to Singapore, US, UK, Hong Kong, Australia, Germany, France
Risk levels from Cautious and Defensive to Aggressive

Why Choose?
27.13% top performer
US Tech Sector portfolio delivered 27.13% annualized return
Performance as of 31 August 2025
Past performance not indicative of future results
Multiple portfolios with strong historical performance

Regulation & Safety
OCBC Bank backed
Backed by OCBC, one of Singapore's largest banks
SDIC protection up to S$100,000 for SGD deposits in your OCBC account
First bank in Southeast Asia to launch robo-advisory
Custody and execution by Saxo Capital Markets, a licensed subsidiary of Saxo Bank A/S

Account Minimum
US$100 minimum
Minimum investment from US$100 depending on portfolio
Monthly Investment Plans available for 11 portfolios
No minimum balance to maintain
Flexible lump sum or monthly contributions, cancel anytime

Key Benefits

Trading Costs

★3.2

▼

Fixed 0.88% annual management fee on total investment value
Fee charged monthly based on calendar days in each month
Additional exchange fees vary by market (SGX clearing 0.0325%, trading access 0.0075%)
US SEC fee 0.00221% on sell transactions
No deposit, withdrawal, or account maintenance fees
Higher than competitors at 0.5% - 0.7% but includes direct stock holdings

Platform And Tools

★4.0

▼

Built directly into OCBC Digital banking app and internet banking
24/7 portfolio monitoring dashboard with real-time valuations
Bank-grade encryption with biometric and 2FA login
Mobile and web platform access with full feature parity
Automated rebalancing with email notifications and user consent
Portfolio performance charts and asset allocation breakdowns

Research And Analysis

★3.8

▼

Algorithm uses 60+ quantitative factors for stock selection
Factor investing across Quality, Value, Momentum, Growth, Volatility
Portfolio performance transparency published online
Market research and insights from WeInvest investment managers
Email updates on rebalancing opportunities with before/after breakdown
Limited educational content compared to standalone robo-advisors

Mobile Trading

★4.0

▼

Fully accessible via OCBC Digital mobile banking app
Consistent experience between mobile app and web platform
Portfolio monitoring, investment, and withdrawal all in-app
Push notifications for rebalancing alerts
Secure login with biometric authentication and OCBC OneToken
Available on both iOS and Android

Account Features

★3.6

▼

Requires existing OCBC current or savings account with digital banking
Monthly Investment Plans for 11 selected portfolios
Minimum investment from US$100 varies by portfolio
Flexible withdrawal anytime to linked OCBC account (3 - 5 working days)
T+2 settlement period for investments
No CPF or SRS investment capability
One account per person with multiple portfolios allowed

Security And Trust

★4.3

▼

Backed by OCBC Bank, one of Singapore's largest financial institutions
SDIC protection up to S$100,000 for SGD deposits in OCBC account
Assets held with Saxo Capital Markets, licensed subsidiary of Saxo Bank A/S
Bank-grade security protocols and encryption
Powered by WeInvest (Planar Investments Pte Ltd) with Schroders as investor
First bank-launched robo-advisor in Southeast Asia

Customer Support

★3.5

▼

Email support at [email protected]
Response typically within 1 business day
Technical support provided by WeInvest team
OCBC customer service hotline +65 6363 3333 for banking queries
Limited phone support for RoboInvest-specific issues
FAQ section on OCBC website covers common questions

Educational Resources

★3.3

▼

Portfolio descriptions with risk profiles and investment methodology
Factor investing approach explained (Quality, Value, Momentum, Growth, Volatility)
Market insights and rebalancing rationale shared via email
Beginner-friendly onboarding with risk profiling questionnaire
Limited video content or webinars
Basic investment education articles on OCBC website

Available Tools

Automation

▼

Dca	✓
Algo Trading	×
Grid Trading	×
Trading Bots	×
Robo Advisory	✓
Sentiment Analysis	×
Social Copy Trading	×
Ai Trading Assistant	×

Portfolio Tools

▼

Tax Harvesting	×
Islamic Account	×
Auto Rebalancing	✓
Dividend Tracker	×
Economic Calendar	×

Detailed Information

Commission Tiers	No tiered fee structure Flat 0.88% annual management fee for all customers Same percentage regardless of investment amount No volume discounts available
Trading Fees	Management fee: 0.88% per year on total investment value (AUM) Charged monthly based on calendar days in each month Fee deducted automatically from cash component in portfolio Exchange fees vary by market and trading channel All fees inclusive of GST where applicable
Stock Etf Commission	No separate trading commissions All costs included in 0.88% management fee Exchange-related fees apply on top: SGX clearing 0.0325%, trading access 0.0075% HK stamp duty 0.1%, exchange fee 0.077% US SEC fee 0.00221% (sell only) UK stamp duty 0.5% (buy only) France FTT 0.3% (buy only, large caps)
Financing Rates	Not applicable for robo-advisory service
Non Trading Fees	No deposit fees No withdrawal fees to OCBC accounts No account maintenance fees No inactivity fees No additional fees for monthly investment plans Currency conversion at Saxo Capital Markets rates
Deposit Fee	0
Withdrawal Fee	0 to linked OCBC account
Currency Conversion Fee	FX conversion via Saxo Capital Markets at point of trade execution Rate determined by Saxo based on execution timing (optimised for lower volatility windows) No additional markup disclosed by OCBC SGD-only funding, converted to portfolio base currency
Data Feed Fees	Real-time portfolio valuation included No separate data feed charges
Vip Fee Tiers	No VIP or tiered fee structure Same 0.88% rate for all customers regardless of AUM Referral program gives S$20 management fee credits per successful referral

Minimum Spreads	Not applicable for robo-advisory Portfolios invest at market prices during optimised execution windows
Maximum Leverage	No leverage offered Cash-only investments
Negative Balance Protection	Yes, cash-only investing prevents negative balance
Settlement Period	T+2 settlement for investments Investments executed by the next working day after instruction Withdrawals executed by the next working day, funds credited in 3 - 5 working days
Order Execution Quality	Automated execution via WeInvest algorithm Execution timed for lower volatility windows based on historical analysis Investment managers verify all trades Execution typically within 1 business day, settlement on T+2

Stocks Count	500
Etfs Count	200
Crypto Count	0
Forex Pairs Count	0
Product Universe Overview	38 portfolios across income, thematic, and risk-based strategies Direct stock holdings and ETF investments in portfolios ETFs screened from all US-listed ETFs using AUM, expense ratio, historical performance, liquidity criteria Exposure to equities, fixed income, commodities, and REITs Thematic options: Electric Vehicle, Cybersecurity, ESG, Impact Investing, China Growth, Gen Z Winners, Precious Metals
Geographic Market Coverage	Singapore (SGX) United States (NYSE, NASDAQ, AMEX) Hong Kong (HKEX) United Kingdom (LSE) Australia (ASX) Germany (Frankfurt) France (Euronext Paris)
Major Markets Details	US exposure via NYSE, NASDAQ, AMEX listed ETFs and equities Singapore blue-chip and growth companies on SGX Hong Kong market access (higher minimums due to variable lot sizes) UK large-cap exposure via LSE Australian equity market access via ASX European exposure via Frankfurt and Euronext Paris
Emerging Markets Details	Limited direct emerging markets exposure Some emerging market exposure via ETFs within portfolios China Growth portfolio provides targeted China exposure via Hong Kong
Base Currencies Supported	SGD-only funding from OCBC account Portfolios denominated in foreign currency (USD, HKD, AUD, GBP, EUR) FX conversion handled by Saxo Capital Markets at point of trade Withdrawal proceeds converted back to SGD

Trading Platforms Overview	Integrated into OCBC Digital banking platform (app and web) Powered by WeInvest (Planar Investments Pte Ltd) fintech technology Algorithm-based portfolio management with factor investing Cloud-based infrastructure
Desktop Platform	Web-based access via OCBC Internet Banking Login and select ETFs and Equities to access RoboInvest Full portfolio management: invest, withdraw, monitor, rebalance Transaction history and performance tracking dashboard
Mobile App	OCBC Digital mobile banking app (iOS and Android) Access via More > Investments > RoboInvest Full feature parity with web platform Real-time portfolio updates and push notifications Biometric authentication and OCBC OneToken security
Web Platform	Browser-based access via OCBC online banking Secure login with 2FA via OCBC OneToken Portfolio selection, investment, and withdrawal management Performance tracking with charts and asset allocation views Responsive design for various devices
Trading Tools And Features	Automated rebalancing with before/after comparison view Email alerts for portfolio rebalancing with 2-week consent window Performance tracking and analytics dashboard Risk profiling questionnaire during onboarding Portfolio comparison across 38 themed options
Charting And Technical Analysis	Portfolio performance charts with historical returns Benchmark comparison graphs Asset allocation pie charts Unrealised profit/loss tracking No technical analysis tools (robo-advisory focus)
Risk Management Tools	Risk profiling during onboarding to match portfolios Portfolio diversification across asset classes and geographies Periodic rebalancing to maintain target allocation Risk levels from Cautious to Aggressive across portfolio options
Order Types Available	Lump sum investments Monthly Investment Plans for 11 selected portfolios Partial or full withdrawal anytime No manual order types (fully automated management)
Integrations And Api Access	Full integration with OCBC banking ecosystem Fund directly from OCBC current or savings account No public API access Powered by WeInvest platform backend
Third Party Platforms	WeInvest (Planar Investments Pte Ltd) for platform technology Saxo Capital Markets for custody, execution, and FX conversion
Api Rate Limits	No API access available
Algo Trading Support	Not applicable (platform is fully algorithm-driven robo-advisor) Investment managers oversee all automated trades

Customer Support Overview	Email support via [email protected] WeInvest team provides technical platform support OCBC customer service hotline +65 6363 3333 for banking queries FAQ section on OCBC website under Help & Support > Investments > RoboInvest
Phone Support Hours	OCBC banking hotline +65 6363 3333 for account-level issues Limited phone support for RoboInvest-specific queries (email preferred)
Live Chat Availability	Not available for RoboInvest
Email Response Time	Typically within 1 business day via [email protected]
Languages Supported	English Chinese
Local Office Presence	OCBC Bank branches throughout Singapore for account setup RoboInvest itself is online-only, no branch-based service
Account Manager	Not available Self-service platform model OCBC Premier Banking customers may consult Relationship Manager for general investment queries
Educational Resources Overview	Investment methodology explained on OCBC website Portfolio descriptions with risk profiles and strategy rationale ETF screening criteria disclosed (AUM, expense ratio, performance, liquidity) Market insights shared via email with rebalancing notifications
Beginner Resources	Onboarding with risk profiling questionnaire Portfolio selection guidance based on risk tolerance Dashboard terms explained (Net invested, Estimated market value, Unrealised P/L) FAQ covering getting started, investments, rebalancing, fees
Webinars And Tutorials	Limited webinar offerings Educational articles on OCBC website
Market Analysis And Research	Portfolio performance updates available on dashboard Rebalancing rationale shared via email notifications Factor investing methodology overview (Quality, Value, Momentum, Growth, Volatility) No dedicated market research reports
Demo Account Details	No demo account available Can review all 38 portfolios and their composition before investing
Trading Courses	Basic investment education content on OCBC website No structured trading courses (robo-advisory is automated)
Tax Reporting Help	Transaction history available on dashboard Withholding tax on US dividends: 30% withheld at source Withholding tax amount shown in Transactions tab alongside dividend payments No dedicated tax optimisation tools Singapore REITs distributions may be subject to withholding tax

Regulation Overview	OCBC Bank regulated by MAS as a full bank Securities trading via OCBC Securities Private Limited (MAS regulated) Platform technology by WeInvest (Planar Investments Pte Ltd) Custody and execution via Saxo Capital Markets (MAS licensed) Compliance with Singapore financial regulations
Primary Regulator	Monetary Authority of Singapore (MAS)
License Number	OCBC Bank: Co. Reg. No. 193200032W OCBC Securities Private Limited: MAS regulated entity
Investor Protection Scheme	SDIC protection up to S$100,000 for SGD deposits in OCBC bank account Investment portfolios subject to market risk (not SDIC covered) Securities held in custodian accounts with Saxo Capital Markets Bank-grade security protocols and regular compliance audits
Security Features	Bank-grade encryption matching OCBC's security standards Two-factor authentication via OCBC OneToken Biometric authentication (fingerprint, Face ID) on mobile Secure login protocols integrated with OCBC Digital Regular security audits and data protection compliance

Commission Tiers

No tiered fee structure
Flat 0.88% annual management fee for all customers
Same percentage regardless of investment amount
No volume discounts available

Trading Fees

Management fee: 0.88% per year on total investment value (AUM)
Charged monthly based on calendar days in each month
Fee deducted automatically from cash component in portfolio
Exchange fees vary by market and trading channel
All fees inclusive of GST where applicable

Stock Etf Commission

No separate trading commissions
All costs included in 0.88% management fee
Exchange-related fees apply on top:
SGX clearing 0.0325%, trading access 0.0075%
HK stamp duty 0.1%, exchange fee 0.077%
US SEC fee 0.00221% (sell only)
UK stamp duty 0.5% (buy only)
France FTT 0.3% (buy only, large caps)

Financing Rates

Not applicable for robo-advisory service

Non Trading Fees

No deposit fees
No withdrawal fees to OCBC accounts
No account maintenance fees
No inactivity fees
No additional fees for monthly investment plans
Currency conversion at Saxo Capital Markets rates

Deposit Fee

Withdrawal Fee

0 to linked OCBC account

Currency Conversion Fee

FX conversion via Saxo Capital Markets at point of trade execution
Rate determined by Saxo based on execution timing (optimised for lower volatility windows)
No additional markup disclosed by OCBC
SGD-only funding, converted to portfolio base currency

Data Feed Fees

Real-time portfolio valuation included
No separate data feed charges

Vip Fee Tiers

No VIP or tiered fee structure
Same 0.88% rate for all customers regardless of AUM
Referral program gives S$20 management fee credits per successful referral

OCBC RoboInvest

Overview

Pros

Cons

Key Highlights

Key Benefits

Available Tools

Detailed Information

Related Products

Pros

Cons