About Oceans Pacific

A bank built for people who move.

Founded in Singapore in 1998 to serve clients whose lives crossed borders before banking did. Twenty-eight years later, that is still the whole idea.

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Our story

Why we started.

In 1998 a group of corporate bankers kept meeting the same problem: clients who earned in one country, lived in another and had family in a third were being treated as an edge case by every institution they dealt with. Accounts could not talk to each other. Transfers took a week. Advice stopped at the border.

Oceans Pacific was founded to treat that life as the normal one. We built a single ledger that holds many currencies, hired advisers who understand more than one tax system, and applied for licences market by market rather than routing everything through one head office.

We have stayed independent and privately held, which means we answer to clients and regulators rather than to a quarterly earnings call. It also means we grow slowly, and we are comfortable with that.

What we hold to

Four commitments.

Price in daylight

Every fee appears as a fee. We do not hide a margin inside an exchange rate or an interest calculation.

A person, not a queue

Named advisers, direct lines and support staffed around the clock in four languages.

Patient money

We lend against cashflow and character as well as collateral, and we would rather restructure than repossess.

Answer to the rules

We hold local licences in every market we operate in, and we publish what our regulators require and a little more.

1998

founded in Singapore

markets with a local licence

4,100

employees

A−

long-term issuer rating

Illustrative

Leadership

The people accountable for it.

Chief Executive

Twenty-two years in cross-border retail and commercial banking; joined Oceans Pacific in 2014 and appointed chief executive in 2020.

Chief Risk Officer

Former prudential supervisor. Owns credit, market, liquidity and operational risk, and reports directly to the board.

Chief Technology Officer

Built the multi-currency ledger the bank runs on. Responsible for platform resilience and the 99.98% availability target.

Head of Wealth

Chairs the investment committee and sets the advice standards every planner is held to.

Head of Business Banking

Leads the relationship teams covering SME, corporate and institutional clients.

Group Compliance Officer

Financial crime, sanctions, conduct and data protection across all thirty-four markets.

Roles are described by function; no real individuals are represented on this site.

Where we are

Five regional hubs across the Pacific rim and twenty-nine further licensed markets, each with local settlement and local support hours.

South-East Asia — Singapore (group head office), Kuala Lumpur, Jakarta, Bangkok
North Asia — Tokyo, Hong Kong, Seoul, Taipei
Australia & New Zealand — Sydney, Melbourne, Auckland
Americas — Los Angeles, Vancouver, New York (representative office)
Europe — London, Zürich (representative offices)

Responsibility

The commitments we report on.

Financed emissions

Measuring and reducing the emissions attached to our lending book, with an annual disclosure.

Access to banking

Basic accounts opened with alternative identity evidence for clients without standard documentation.

Financial education

Free guides, school programmes and branch clinics in every market we operate in.

Legal, regulatory & accessibility

The fine print, in plain words.

Deposit protection

Eligible deposits are covered by the guarantee scheme of the market holding the balance, up to the equivalent of $100,000 per client per institution. Investment and insurance products are not deposits and are not covered by that scheme.

How we use your data

We process personal data to run your accounts, meet legal obligations and prevent financial crime. We do not sell client data. You can request a copy of what we hold, ask for corrections, or object to marketing at any time.

Complaints

Tell us and we will acknowledge within two business days and resolve within fifteen. If you are not satisfied, you may refer the matter to the financial ombudsman in your market at no cost.

Accessibility

This site targets WCAG 2.2 level AA. Every page can be operated by keyboard, text resizes to 200% without loss of content, colour contrast meets the AA ratio, and motion is reduced automatically for anyone who has asked their device for that. If something here does not work for you, tell us and we will fix it.

Product disclosure

Every product on this site is subject to status, eligibility and the applicable terms and conditions, and is not available in every market we serve. Rates, fees and figures are representative, may change, and are not an offer. Where a product is secured against your home or another asset, that asset is at risk if you do not keep up repayments.

Come and talk to us.

Branch, phone, video or app — whichever suits the question you have.

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