新加坡： 据OCBC银行周三（10月21日）宣布，其客户将很快能够在新加坡境内的个人储蓄账户中存放最高5万新加坡元（约合1.2万美元或1.57万新加坡元），并从中获得利息收益。
SINGAPORE: OCBC customers will soon be able to hold up to RM50,000 (US$12,000 or S$15,700) in a Singapore-based personal savings account and earn interest on those cash balances, the bank said on Wednesday (Oct 21).
从10月23日起，持有OCBC全球储蓄账户（OCBC Global Savings Account）或高级全球储蓄账户（Premier Global Savings Account）的客户可以将新加坡元兑换成马来西亚林吉特。
From Oct 23, customers who have an OCBC Global Savings Account or Premier Global Savings Account will be able to convert Singapore dollars into Malaysian ringgit.
OCBC表示，兑换汇率具有竞争力，且不会收取任何外汇交易费用或高额手续费。客户可以使用OCBC的借记卡在马来西亚消费，或通过ATM机提取林吉特。
OCBC said the exchange rate will be competitive and there will be no foreign currency transaction fees or high mark-ups. Customers can then spend the ringgit using OCBC debit cards or withdraw the currency at ATMs in Malaysia.
这将是首家允许客户在新加坡境内储蓄账户中持有马来西亚林吉特的非马来西亚银行，此前已有YouTrip和Wise等金融科技公司允许用户在他们的多货币电子钱包中存储林吉特。
It will become the first non-Malaysian bank to allow customers to hold ringgit in a Singapore-based savings account, following in the footsteps of fintech companies such as YouTrip and Wise that also allow ringgit to be held in their multi-currency e-wallets.
OCBC解释称：“由于马来西亚林吉特是一种受到严格管制的、未实现国际化的货币，个人在马来西亚境外银行账户中持有该货币的机会非常有限。”所谓“国际化货币”，是指在境外广泛使用的货币（例如美元）。
"As (Malaysian ringgit) is a tightly controlled non-internationalised currency, opportunities for individuals to hold the currency in bank accounts outside Malaysia are limited," said OCBC. An internationalised currency refers to a currency that is widely used outside of its own borders, such as the US dollar.
OCBC表示，客户在明年6月30日之前可享受每年1%的利息收益，之后利息率降至每年0.5%；需要注意的是，电子钱包本身并不对现金余额支付利息。此外，该银行指出客户越来越关注汇率波动，并会在新加坡元升值时购买外汇（例如：在日本货币贬值时，消费者会增持日元）。
OCBC said customers can earn 1 per cent interest per annum until Jun 30 next year, and 0.5 per cent per annum thereafter, noting that e-wallets do not pay interest on cash balances. No minimum balance is required. The bank said customers are increasingly conscious of currency movements and buy foreign exchange when the Singapore dollar strengthens, citing data that showed consumers built up yen balances when the Japanese currency weakened.
OCBC还提到，即将开通的柔佛新山快速交通系统（Johor Bahru-Singapore Rapid Transit System, RTS）预计将进一步促进马来西亚境内的跨境旅行和消费活动。
OCBC also noted that the upcoming Johor Bahru-Singapore Rapid Transit System (RTS) Link is expected to further drive cross-border travel and consumer spending in Malaysia.
OCBC集团财富管理部门负责人Tan Siew Lee表示，许多新加坡人已经因工作或休闲原因频繁前往马来西亚。
Head of group wealth management Tan Siew Lee said many Singaporeans already make frequent trips to Malaysia for work and leisure.
“新加坡人精明且关注汇率。他们密切关注外汇（FX），因为他们希望每一美元兑换都能获得最大价值，”她说。
Singaporeans are savvy and rate-conscious. They keep a close eye on FX (foreign exchange) because they want to get the most value from every dollar they exchange," she said.
谭女士补充道：“汇率的微小差异看似微不足道，但经过数十次出行和多年的消费，节省下来的金额可能会迅速累积。”
"A small difference in exchange rates may seem insignificant, but over dozens of trips and years of spending, the savings can add up quickly," Ms Tan added.