This is by far the worst banking service i received in Asia. Totally shame on OCBC at Tampines and unfortunately bad a singaporean flagship. You can't doubt more of on their inefficiency when e bank cannot even process application forms correctly through 2 attempts resulting so much inconveniences to my family. Worst, its online service is so slow be it via mobile or pc. Regretted buying insurance product from their banking staff who couldn't explain the products well when hit into some complexed questionings from us. We do not know who to trust when internally several senior VPs stepped in to mitigate the complaints but with different advice from each. This is mess out of mess. I regretted not tapping down the conversation with these incapable stakeholders when later realized OCBC is just wasting our time and problems remain unresolved for 4months! An evasive and unrepentant bank, pls record down your conversation with any staff of OCBC. You will not regret your decision. Best to avoid dealing with OCBC, you will be happy and no brainer for this when their rating is only 1 star! Sooner it will be no star please