canonical: https://jentic.com/apis/ocbc.com/ocbc

# OCBC Open API Platform

Connect2OCBC is OCBC Bank's open API platform exposing public banking utility data - branch and ATM locations, credit card recommendations, and live foreign exchange rates. The endpoints are read-only and aimed at consumer-facing apps that need to surface OCBC's retail banking footprint or display rates without scraping the public website. Coverage is focused on Singapore and OCBC's regional retail network.

## For AI agents

Look up OCBC bank branches, ATM locations, credit card product recommendations, and current foreign exchange rates.

## Scope

Does not handle account access, payments, transfers, or card issuance - use for OCBC branch, ATM, FX rate, and card recommendation lookups only.

## Capabilities

- Find OCBC branches near a location with operating hours and address details
- Locate the nearest OCBC ATM by coordinates or postal code
- Recommend a suitable OCBC credit card based on lifestyle and spending criteria
- Retrieve current OCBC foreign exchange rates for major currency pairs
- Surface live retail banking data inside a customer-facing mobile or web app
- Display OCBC branch and ATM coverage on a map for branch finders

## Use cases

### Bank Branch and ATM Locator

Power a branch and ATM locator inside a banking or fintech app by querying OCBC's public location endpoints. The API returns address, geo-coordinates, and operating hours so customers can navigate to the nearest physical touchpoint. This avoids scraping the public OCBC site and gives the app a structured, refreshable data source for Singapore and regional locations.

Example prompt: Call /atms with a latitude and longitude in Singapore, then return the three closest ATMs with their addresses and distances.

### Live Foreign Exchange Rate Display

Embed OCBC's live retail FX rates in a remittance, travel, or finance app so users can see current cross-currency conversion before initiating a transfer. The /exchange-rates endpoint returns the bank's quoted rates for major currency pairs and refreshes intraday. This is a reference feed only - actual conversion still happens through OCBC's transactional channels.

Example prompt: Call /exchange-rates and return today's SGD to USD, EUR, and JPY rates as a single comparison table.

### Credit Card Product Discovery

Help a prospective OCBC customer pick a card by passing lifestyle and spending criteria to `/credit-cards/recommendations` and rendering the suggested products. Useful for affiliate comparison sites or in-app onboarding flows that want to recommend a card before deep-linking to OCBC's application page. The endpoint returns a ranked list with key benefits per card.

Example prompt: Call `/credit-cards/recommendations` with lifestyle criteria 'travel and dining' and return the top three recommended cards with their headline benefits.

### AI Agent Banking Concierge

An AI assistant inside a personal finance app can answer questions like 'where is the nearest OCBC ATM' or 'what is the OCBC USD rate today' by routing to this API through Jentic. The agent discovers the right operation by intent, executes the call, and renders a natural-language reply. Because the API is read-only, no transaction risk is introduced.

Example prompt: Use Jentic to find the OCBC FX rates operation, execute it, and respond with a sentence summarising the SGD to USD rate.

## Key endpoints

| Method | Path | Description |
| --- | --- | --- |
| GET | `/branches` | Search OCBC branch locations |
| GET | `/atms` | Search OCBC ATM locations |
| GET | `/credit-cards/recommendations` | Recommend OCBC credit cards by criteria |
| GET | `/exchange-rates` | Retrieve current retail FX rates |

## Key resources

- **Branches** — Locate OCBC retail branches by coordinates or postal code with address and hours.
- **ATMs** — Find OCBC ATM locations near a point with addresses and operating notes.
- **Credit Cards** — Recommend OCBC credit card products based on lifestyle and spending input.
- **Foreign Exchange** — Retrieve current retail FX rates for major currency pairs.

## Why Jentic

- **Setup:** Wiring the OCBC Open API Platform by hand means holding an OCBC API key, placing it in the Authorization header on every call against api.ocbc.com, and coding your own retry and rate-limit handling. Through Jentic you install once, import the OCBC Open API Platform from the API Directory, store the key once, and your agent calls it.
- **Permission scoping:** This surface is read-only reference lookups, so scope it by operation: limit the agent to the operations it needs, such as branch, ATM, FX rate, or card recommendation lookups, and leave the rest out. You choose which operations it may call, so nothing beyond the allowed lookups runs.
- **Credential handling:** Your OCBC API key is stored once, encrypted, by your own Jentic One instance and injected into the Authorization header at execution time. It never enters the agent's prompt, logs, or context.
- **Discovery method:** Agents search Jentic by intent such as 'find an OCBC ATM near a coordinate', and Jentic returns the matching OCBC operation with its input schema so the agent calls the right endpoint without reading the OCBC docs.

## Related APIs

- **Plaid API** — Account-linking and transaction data across thousands of banks
- **TrueLayer API** — Open banking access to accounts and payments in Europe and the UK
- **OpenWeatherMap API** — Geocoded weather data by coordinates

## FAQ

### What authentication does the OCBC Open API use?

All four endpoints require an API key supplied in the Authorization header. Jentic stores the key encrypted in its vault and injects it at execution time so the raw secret never enters the agent's prompt or logs.

### Can I look up an OCBC branch by postal code with this API?

Yes. The /branches endpoint accepts location parameters and returns branches with their address, coordinates, and opening hours. Pair it with /atms when you need both branch and ATM coverage in the same view.

### What are the rate limits for the OCBC Open API?

OCBC does not publish a hard rate limit in the spec, but the platform is intended for app integrators rather than bulk crawls. Cache branch and ATM data - they change infrequently - and treat the FX endpoint as the only one worth polling intraday.

### How do I get OCBC FX rates through Jentic?

Search Jentic for 'get OCBC foreign exchange rates', load the schema for /exchange-rates, then execute. With pip install jentic the call is await client.search(...), await client.load(...), await client.execute(...) inside an asyncio.run wrapper.

### Does this API support transactions or account access?

No. Connect2OCBC's public surface here is read-only and limited to branches, ATMs, credit card recommendations, and FX rates. Account, payment, and transfer APIs are part of OCBC's authenticated open banking program and are not exposed in this spec.

### Are credit card recommendations real product offers?

The `/credit-cards/recommendations` endpoint returns OCBC product suggestions based on the criteria you supply, but they are marketing recommendations, not pre-approved offers. Customers still need to apply through OCBC's standard channels.

### Can I limit what my agent is allowed to do with the OCBC Open API Platform?

Yes. Because your Jentic One instance is self-hosted, you set the rules that decide which operations and credentials your agent may use. This surface is read-only reference lookups, so you can scope the agent to just the calls it needs, such as branch and ATM lookups on /branches and /atms, FX rates on /exchange-rates, or card suggestions on `/credit-cards/recommendations`, and leave the rest out. Only the operations you allow will run, and your OCBC API key is injected at execution time rather than exposed to the agent.