SHARE FINANCING ACCOUNT

Pledge your shares to increase your trading power

Why you will love this

Share financing lets you trade up to 5 times your original value with cash pledged as collateral and up to 4 times with shares pledged as collateral.

Who can apply

Anyone age 21 and above, with a Basic Trading Account

Apply now
 

Enjoy interest rates as low as 3.00% p.a. with QPL+ (T&Cs apply)Find out more

For local application

Apply at a branch with these supporting documents 

  1. For Singaporeans and Permanent Residents:

    • NRIC/SAF/SPF ID and Passport

    For Malaysians:

    • IC and Singapore Residence Pass (e.g. Employment pass) if applicable

    For Foreigners:

    • Valid Passport and Singapore Residence Pass (e.g. Employment pass) if applicable

    Note: Bring the originals of these Identification Documents (ID)

  2. Provide us with the original or electronic copy of any of the following documents reflecting your name and address:

    • Bank statement from a Monetary Authority of Singapore (MAS) licensed bank
    • Latest CPF statement
    • Latest Notice of tax assessment from IRAS

    Note: Document(s) must be dated no older than 3 months from date of application. If your mailing address is different from your residential address, please provide one document for each address.
    If you are applying for a corporate account, please call us at 1800 338 8688

Locate a branch

For overseas application

Mail in the completed application forms with copies of:  

  1. Required for all:

    Optional Forms

  2. Provide a copy of your identification:

    For Singaporeans and Permanent Residents:

    • NRIC/SAF/SPF ID and Passport

    For Malaysians:

    • IC and Singapore Residence Pass (e.g. Employment pass) if applicable

    For Foreigners:

    • Valid Passport and Singapore Residence Pass (e.g. Employment pass) if applicable

    Bring your original ID, the photocopy and our account application form to any of the below authorised parties to witness your signature on the form and certify true copy of your ID:

    • Notary Public
    • Advocates & Solicitors
    • Singapore Embassy

    The witnessing officer should provide his/her name and contact details.

  3. Provide us with the original or electronic copy of any of the following documents reflecting your name and address:

    • Bank statement from a Monetary Authority of Singapore (MAS) licensed bank
    • Latest CPF statement
    • Latest Notice of tax assessment from IRAS

    Note: Document(s) must be dated no older than 3 months from date of application. If your mailing address is different from your residential address, please provide one document for each address.

  4. Mail it to us

    OCBC Securities Private Limited
    18 Church Street #01-00,
    OCBC Centre South,
    Singapore 049479

Grab the opportunity to trade more with your idle shares.

New: JPY share financing
Gain direct exposure to the Japanese market with JPY share financing

With the addition of the Japan market, the number of listed securities eligible as collateral for share financing has increased from 2,500 to over 3,000 listed securities across six major markets: Singapore, Hong Kong, United States, Australia, Malaysia and Japan.

Features

Enjoy lower interest rates

Our Quality-Priced Loan scheme lowers your interest rates when you increase the proportion of high-quality shares in your Share Financing portfolio under our Quality-Priced Loan scheme.

Our Quality-Priced Loan scheme lowers your interest rates when you increase the proportion of high-quality shares in your Share Financing portfolio under our Quality-Priced Loan scheme.

Share Financing Simulator

The Share Financing Simulator on our iOCBC trading platform helps calculate your margin percentage.

The Share Financing Simulator on our iOCBC trading platform helps calculate your margin percentage.

Save on foreign exchange conversion costs

We can finance your trades in 5 different currencies: SGD, HKD, USD, AUD and JPY. This lets you take up a loan, execute and settle your trades in multiple currencies and may potentially reduce unnecessary foreign exchange conversion costs.

View more details on our Multi-Currency Share Financing feature.

We can finance your trades in 5 different currencies: SGD, HKD, USD, AUD and JPY. This lets you take up a loan, execute and settle your trades in multiple currencies and may potentially reduce unnecessary foreign exchange conversion costs.

View more details on our Multi-Currency Share Financing feature.

Trade beyond Singapore and diversify your asset classes

We accept over 3,000 listed securities across 6 major markets: Singapore, Hong Kong, US, Australia, Malaysia and Japan, as acceptable collateral/marginable securities for the purpose of share financing. The marginable securities span across many different asset classes, such as Company Shares, Real Estate Investment Trusts (REITS), Bonds, Exchange-Traded funds (ETFs) and American Depository Receipts (ADRs).

We accept over 3,000 listed securities across 6 major markets: Singapore, Hong Kong, US, Australia, Malaysia and Japan, as acceptable collateral/marginable securities for the purpose of share financing. The marginable securities span across many different asset classes, such as Company Shares, Real Estate Investment Trusts (REITS), Bonds, Exchange-Traded funds (ETFs) and American Depository Receipts (ADRs).

Promotions
Enjoy low interest rates from just 3.00% p.a. with our Quality Priced Loan scheme, QPL+
Enjoy low interest rates from just 3.00% p.a. with our Quality Priced Loan scheme, QPL+

Read more

back to home

Enjoy low interest rates from just 3.00% p.a. with our Quality Priced Loan scheme, QPL+

Enjoy low interest rates from just 3.00% p.a. with our Quality Priced Loan scheme, QPL+

Enjoy our enhanced Quality Priced Loan scheme, QPL+, with even lower interest rates starting from 4.50% p.a.

As an added benefit, you get to enjoy lower online commission rates across the 5 main markets.

This promotion is valid till 31 December 2025.

Interest rates starting from 4.50% p.a.

Quality of Marginable Securities Description SGD Lending Rates USD Lending Rates HKD Lending Rates  AUD Lending Rates
Grade 1  Major Global Index Component Securities 4.50% 5.70% 5.00% 5.25%
Grade 2  Top 100 securities by market capitalisation in respective exchanges that have met certain financial and trading criteria as determined by OCBC Securities 4.80% 5.90% 5.50% 5.50%
Grade 3 Mid/Small Cap Securities 5.20% 6.00% 5.75% 5.75%
Grade 4  All other Marginable Securities 7.00% 7.00% 7.00% 7.50%
Subject to changes without prior notification.


Lower online commission rates with QPL+


Who is eligible?

This promotion is eligible to all existing Share Financing account holders and those who do not have a Share Financing account with us yet.

Existing Share Financing account holders
Simply complete the QPL+ Selection Form and mail it to us.

If you do not have a Share Financing account, open one with us
Download this Application Form, Memorandum of Charge form, as well as QPL+ Selection Form and mail them to us to open one.


Alternatively, you can visit our branch to open a Share Financing account:

OCBC Securities Investors Hub

18 Church Street

#01-00 OCBC Centre South

Singapore 049479


What are the requirements to open a Share Financing account:
  • Be age 21 and above
  • Have an existing basic cash trading account with OCBC Securities

What is a Share Financing account?

A Share Financing account is a leveraged Trading Account that increases your share buying power. Trade up to 2.5 times your original value with shares as collateral and 3.5 times with cash as collateral. For more information on Share Financing accounts, click here.

What is the Quality Priced Loan scheme about?

With our first-to-market Quality Priced Loan scheme, you stand to enjoy lower interest rates based on the quality of securities in your portfolio starting from 4.50% p.a. with the new QPL+. To view our list of marginable securities and their grading, click here.

How are the interest rates calculated?

A blended Interest rate shall be calculated based on the relevant interest rates corresponding to the various grades and will depend on the concentration of Marginable Securities customer holds from each tier.

Marginable value of the customer’s portfolio as at previous business day, including all outstanding trades will be used for the computation of the interest rates daily.

The following examples illustrate how interest rates are computed based on the quality and marginable securities in the customer’s portfolio. The blended interest rate in each example is derived from the below formula.






Example 1 
Counter Grade MV of security Tiered Rate
Company ABC (SGD) 1 S$100,000 4.50%
Company DEF (AUD) 2 S$20,000 5.50%
Company GHI (HKD) 3 S$10,000 5.75%
Total - S$130,000 -
*MV = Marginable Value


Blended Interest Rate = 4.75% p.a.


Example 2 
Counter Grade MV of security Tiered Rate
Company ABC (SGD)  1 S$100,000 4.50%
Total - S$100,000 -
*MV = Marginable Value


Blended Interest Rate = 4.50% p.a.


Example 3 
Counter Grade MV of security Tiered Rate
Company ABC (AUD) 1 S$50,000 5.25%
Company DEF (SGD) 3 S$50,000 5.20%
Company GHI (USD) 4 S$20,000 7.00%
Total - S$120,000 -
*MV = Marginable Value


Blended Interest Rate = 5.52% p.a.


What happens when the promotion ends?

The normal QPL scheme will kick in when the QPL+ promotion ends. To view the normal rates, click here.

Important Notes

For full terms and conditions of Quality Priced Loan Plus promotion (“Promotion”), click here.

Borrowing to finance the trading of securities (leveraging/gearing) carries a high degree of risk. If the value of the collateral declines substantially, falling below the maintenance margin requirement, you may be called upon to deposit substantial additional funds or collaterals on short notice in order to maintain your position. If you fail to comply with a request for additional funds or collaterals within the specified time, your position may be liquidated at a loss and you will be liable for any resulting deficit in your account. Trading in foreign securities includes, but is not limited to, currency risks and rules and regulations peculiar to the respective foreign stock markets.

Customers should note that there are limitations and difficulties in using examples, tables or illustrations to provide a full explanation or depiction. All information, statements, figures, content, explanations, examples, and details (collectively, the “Information”) contained above is intended for illustrative and/or information purposes only and should not be relied upon for any purpose whatsoever. Customers should, in the event of any doubt as to how to read or understand the examples, tables, illustration or information, contact OCBC Securities Private Limited for a fuller explanation, depiction or further details.

Terms & Conditions apply.

How It Works

Our Share Financing account comes with a secured credit facility. Deposit your marginable securities with us and free up your asset value to increase your share buying power.

Share as Collateral

Cash as Collateral
Leveraging trading up to 4 times 5 times
Collateral amount S$10,000

S$10,000
Purchasing amount

S$40,000 (4 times)

S$50,000 (5 times)
Margin percentage

125%
Total share value/ loan amount
(S$10,000 + S$40,000) / S$40,000

125%
Total share value/ loan amount
S$50,000 / (S$50,000 - S$10,000)

Share as Collateral

Leveraging trading up to
4 times

Collateral amount

S$10,000

Purchasing amount

S$40,000 (4 times)

Margin percentage

125%
Total share value/ loan amount
(S$10,000 + S$40,000) / S$40,000

Cash as Collateral

Leveraging trading up to
5 times

Collateral amount

S$10,000

Purchasing amount

S$50,000 (5 times)

Margin percentage

125%
Total share value/ loan amount
S$50,000 / (S$50,000 - S$10,000)

Featured Article
Improve cash flow flexibility with Share Financing
Trading in the stock market is all about seizing opportunities and striking while the iron is hot. But what if your funds are tied up in other investments? This is where OCBC Securities Share Financing comes in. Explore how share financing can instantly unlock the value of your existing share portfolio to provide greater cash flow flexibility and share buying power.

Read more 
Before you apply

Eligibility requirements

Minimum age

Age 21 and above

Deposit requirements

Minimum cash deposit of $5,000 (in SGD or SGD equivalent) or deposit $5,000 (in SGD or SGD equivalent) worth of marginable securities

Commission rates and charges

View the share financing commission rates and charges here

Terms and conditions

View Terms and Conditions governing sub-accounts with OCBC Securities as the depository agent

Disclaimer

Risk warning for Share Financing
Borrowing to finance the trading of securities (leveraging/gearing) carries a high degree of risk. If the value of the collaterals declines substantially, falling below the maintenance margin requirement, you may be called upon to deposit substantial additional funds on short notice in order to maintain your position. If you fail to comply with a request for additional funds or reduce your loan within the specified time, your position may be liquidated at a loss and you will be liable for any resulting deficit in your account.
FAQS
Frequently Asked Questions about Share Financing Account
More questions and answers
Where will the shares be custodised?

Your Share Financing account will be linked to a designated sub-account maintained by us with Central Depository (CDP). When you deposit or purchase securities listed on SGX, they will be custodised in this sub-account. For securities listed in other foreign stock exchanges, they will be custodised with an established global custody service provider.

Is contra trading allowed?

Contra trading is not allowed on a Share Financing account. Outstanding buy and sell contracts must be settled by their respective settlement dates.

How margin call works

Margin call is an industry wide practice for any form of leveraged trading. Your margin percentage is calculated as follows:

 

 

If the value of your collateral falls or if the FX rate moves against SGD, your margin percentage will fall. When the margin falls below 125%, a margin call will take place and you will need to restore it 125% by either liquidating shares or providing additional collateral.

 

If Margin Ratio falls What happens
Between 115%-125% Margin call to restore the margin percentage to 125% within 2 market days
Below 115% Margin call to restore the margin percentage within the date of notice

 

Example:
John deposits S$10,000 worth of securities. This gives him a leverage of 4 times. He gets to purchase an additional S$40,000 worth of shares, bringing his total collateral value to S$50,000

 

 

However during the loan period, the value of his collateral falls by S$2,000, causing his margin percentage to drop to 120%
Here are actions he can take to restore his margin percentage to 125%
Option 1: Top up S$1,600 in cash
Option 2: Deposit additional S$2,000
worth of shares
Option 3: Liquidate S$8,000 worth of
shares (at possible loss)

 

More questions and answers
HOW TO APPLY

Open a Share Financing account today

Apply now

or get in touch with us.

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