All the banks in Punggol that we could find are in one building: Waterway Point, beside Punggol MRT and LRT. POSB, OCBC, UOB, Bank of China and ICBC have branches there, and Maybank is listed too (check live). For cash outside banking hours, use an ATM. Citibank has no branch or ATM in Punggol.

That makes banking one of the easier errands in town. One trip, one mall, and usually one queue number sent to your phone.

This page is part of eduKate Punggol’s Essential Information for Punggol, our quick answers and where-to-go lists for everyday life in Punggol. It covers each bank branch and its hours, where the ATMs are, how to join a queue before you leave home, and what to do about coins, closures and lost cards.

Quick answer

• Where: Waterway Point, 83 Punggol Central, Singapore 828761, beside Punggol MRT/LRT station.
• Branches: POSB, OCBC (#01-13), UOB, Bank of China (#01-16) and ICBC (#01-15A). Maybank is listed at the mall too (check live).
• Shortest hours: OCBC Waterway Point opens Monday to Friday 11am–6pm and Saturday 11am–1.30pm only, and closes on Sundays.
• Temporary closures: banks sometimes close early or shut for a day around festivals and company events, so check the bank’s official notices page before you go.
• Queue from home: POSB by SMS to 83184384, UOB by SMS to 77588, OCBC through Easy Q in the OCBC app.
• No Citibank: the nearest Citibank ATM is at The Seletar Mall in Sengkang.

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Banks in Punggol and Where to Find Them

We found no bank branch at Oasis Terraces, Punggol Plaza, Northshore Plaza or Punggol Coast Mall, and HDB’s shop directories for Oasis Terraces and Punggol Plaza list no banks. For a counter, Waterway Point is the place. For ATMs, you have more choice.

Bank or ATM	Where	Hours (checked October 2026)	Good to know
POSB Waterway Point Branch	Waterway Point, 83 Punggol Central, S828761. Listed as #B2-09 on third-party sites (check live).	Check live on the DBS locator.	Join the queue by texting “Q” to 83184384.
OCBC Waterway Point Branch	83 Punggol Central, #01-13, Waterway Point, S828761.	Mon–Fri 11am–6pm. Sat 11am–1.30pm. Sun closed.	Easy Q in the OCBC app. Tel +65 6363 3333.
UOB Waterway Point Branch	Waterway Point, 83 Punggol Central, S828761 (unit: check live).	Check live on UOB’s Branch Locator.	Queue by SMS “Q Waterway Point” to 77588, or in the UOB TMRW app.
Bank of China, Punggol Sub-Branch	83 Punggol Central, #01-16, Waterway Point, S828761.	Mon–Fri 10.30am–6pm (to 7pm for loans, investments and insurance). Sat 10.30am–4pm. Closed Sun and public holidays.	Has an ATM on the atm5 network. Tel 1800 66 95566.
ICBC, Punggol Sub-Branch	83 Punggol Central, #01-15A, Waterway Point, S828761.	Mon–Fri 11am–7pm. Sat 11am–4.30pm (from ICBC’s 2022 notice, check live).	No ATM at this branch since August 2021.
Maybank, Waterway Point	Listed at #01-12 on a mall directory (check live).	Check live.	We could not confirm whether this is a full branch, so call ahead.
ATMs at Punggol Plaza	168 Punggol Field, S820168, in front of Coral Edge LRT.	Follow mall hours (check live).	Listings show two POSB ATMs and a cash deposit machine on Level 3, and UOB and OCBC ATMs on Level 1 (check live).
POSB/DBS ATMs around the estate	Listed at 70 Punggol Central (Punggol MRT), NTUC at Blk 308C Punggol Walk, Blk 612 Punggol Drive, Blk 261A Punggol Way, Blk 198 Punggol Field and SPC at 100 Punggol Central (check live).	Access varies by location.	Confirm the nearest working machine on the DBS locator or app.
Citibank (nearest)	ATM: The Seletar Mall, 33 Sengkang West Avenue, #B2-K8. Cash deposit machine: Compass One, 1 Sengkang Square, #01-K4.	Check live.	No Citibank branch or ATM in Punggol, per Citibank’s branch list.

Hours checked October 2026 — confirm on the official page before you go: OCBC notices, Bank of China branches and ICBC Punggol notice. Older listings still show OCBC Waterway Point open to 7pm, but OCBC’s notice says the hours changed on 1 October 2025. The nearest other OCBC branches are at Compass One (#02-04) and Hougang Mall (#01-03); check their hours on OCBC’s site.

Which Bank Option Fits Your Errand

You only need cash

Skip the counter. OCBC says its customers can use more than 1,000 OCBC and UOB ATMs islandwide, and its app lets you withdraw cash at OCBC ATMs by scanning a QR code, with no card. Bank of China debit cardholders can withdraw for free at any atm5-network ATM. DBS/POSB ATMs give S$10 and S$50 notes everywhere, with S$2, S$5 and S$100 at selected machines.

You need a person at a counter

Get your queue number first, then walk over. POSB, UOB and OCBC all let you join the queue remotely, which turns a long wait into a coffee nearby. On weekdays, ICBC is listed until 7pm in its 2022 notice (check live), and Bank of China stays open until 7pm for loans, investments and insurance.

It is Saturday

Go early. OCBC Waterway Point closes at 1.30pm on Saturdays. Bank of China is open until 4pm, and ICBC until 4.30pm according to its 2022 notice (check live). On Sundays, OCBC and Bank of China are closed.

You have a jar of coins

Use a machine. DBS/POSB Coin Deposit Machines are free and take 1-cent to S$1 coins from the Floral and Third Series. The counter route is slower and costs more (see costs below). OCBC says coin deposits at OCBC ATMs carry no service charge. Find a coin-taking machine on your bank’s locator before you carry a heavy jar across town.

You need to change your address or replace a debit card

DBS/POSB says its Video Teller Machines handle non-cash services such as address changes and debit card issuance 24/7. Check the DBS locator for one near you.

How to Make a Bank Visit in Punggol Quick

1. Check whether the app can do it. At OCBC, cheque book requests, cheque status enquiries and stop-payment requests have been app-only since 1 June 2025. Since 1 September 2026, OCBC branch counters no longer accept credit card bill payments; pay by app, Internet Banking, ATM or GIRO.
2. Check today’s hours. Look at the bank’s official notices page for temporary closures and early closing, especially around festivals and public holidays.
3. Join the queue remotely. For POSB, text “Q” to 83184384, reply with the service number, and wait for the SMS telling you your turn is near. For UOB, use Branch Q in the TMRW app (More > Branch Q), “Get Q number” on the Branch Locator, or SMS “Q Waterway Point” to 77588. For OCBC, use Easy Q in the OCBC app.
4. Pack what the task needs. Bring your NRIC or passport, your bank card, and any letter, form or cheque the bank asked for.
5. Time your walk. If you live near the MRT, you can wait at home until the “your turn is near” SMS arrives.
6. Check before you leave the counter. Read the receipt or confirmation, and ask for a reference number if the request will take days.

One warning from DBS: queue numbers can stop being issued early on busy days. If you need something done today, join the queue in the morning rather than an hour before closing.

What You Can Do at the ATM

DBS lists these self-service options at DBS/POSB machines:

• Cash withdrawal, up to a S$9,000 daily cap.
• Cash deposit. Card-less deposits are capped at S$20,000 per transaction and S$50,000 a day; with a card, the cap is S$200,000 a day.
• Notes exchange, bill payments and fund transfers.
• Instant passbook updates.

DBS describes self-service banking as available “24 hours a day”, but it also says ATM access varies by location. Machines inside malls follow the mall’s opening hours, so a late-night withdrawal is easier at a machine you know is reachable after closing.

Costs and Fees Worth Knowing

• Coins at a DBS/POSB counter: S$1.80 per 100 coins or part thereof, as published in October 2026. Counter deposits are accepted only on Tuesdays and Thursdays, 8.30am to 11.30am, and the coins must be sorted by denomination. The fee is waived at Coin Deposit Machines.
• Child Development Account holders: DBS says the coin fee is waived for POSB CDA holders, but the wording is unclear for counter deposits, so check live.
• Sharing ATMs: OCBC customers can use UOB ATMs as well as OCBC’s own, and Bank of China debit cards withdraw free on the atm5 network.

Neighbour’s Tips for Banking in Punggol

• Queue from the bus. Send the POSB or UOB SMS as you leave home. By the time you reach Waterway Point, you may already be near the front.
• Remember Level 1. OCBC (#01-13), ICBC (#01-15A) and Bank of China (#01-16) are all on Level 1, and Maybank is listed at #01-12 (check live), so one Level 1 loop covers several banks.
• Mind OCBC’s Saturday half-day. At 1.30pm the shutters come down. OCBC also closes early on festive eves; on Chinese New Year’s Eve 2026 it closed at 1pm.
• Use Punggol Plaza for a quick withdrawal. If you live near Coral Edge, its ATMs save the trip to the MRT (check live).
• Do not walk a coin jar to the counter. Sort it at home or use a Coin Deposit Machine. The counter charges a fee and opens for coins only two mornings a week.
• Help a senior set up the queue SMS. Save 83184384 in their phone as “POSB Queue”. It saves a long standing wait.

If Your Card Is Lost or Something Looks Wrong

• Lost or stolen card: lock or block it in your bank’s app, then call the bank on the number printed on your card or shown in the official app. Never use a number sent to you in an SMS or chat message.
• Money gone from your account: act fast. Our guide on what to do in the first hour after losing money to a scam lists the steps in order.
• Not sure a call or message is real: check it with ScamShield on 1799. See our ScamShield 1799 guide.
• OCBC phone line: +65 6363 3333.
• Danger to you or someone else: call the Police on 999.

Frequently Asked Questions

Which banks have a branch in Punggol?

POSB, OCBC, UOB, Bank of China and ICBC have branches at Waterway Point. Maybank is listed at the mall on a third-party directory, so check live. We found no bank branch at the other Punggol malls.

Is any bank in Punggol open on Sunday?

Not among the branches we could confirm. OCBC and Bank of China are closed on Sundays, and ICBC’s notice lists weekday and Saturday hours only. Third-party listings show Sunday hours for UOB and Maybank, but we could not confirm them with the banks, so check live before you go.

Can I pay my OCBC credit card bill at the Waterway Point branch?

No. From 1 September 2026, OCBC stopped accepting credit card bill payments at branch counters and Premier Centres. Pay through the OCBC app, Internet Banking, an ATM or GIRO.

Is there a Citibank ATM in Punggol?

No. Citibank’s list shows its nearest ATM at The Seletar Mall (#B2-K8) and its nearest cash deposit machine at Compass One (#01-K4), both in Sengkang.

Where can I deposit coins in Punggol?

Use a DBS/POSB Coin Deposit Machine, which is free, or an OCBC ATM that takes coins, which OCBC says carries no service charge. Check each bank’s locator for the nearest machine. Over-the-counter coin deposits at DBS/POSB cost S$1.80 per 100 coins.

Does ICBC Punggol have an ATM?

No. ICBC withdrew the ATM service at its Punggol branch from 20 August 2021, when the branch moved within Waterway Point. The branch itself reopened at #01-15A in November 2022.

More Help on eduKate Punggol

• Everyday Errands in Punggol: post office, AXS, keys, laundry and the banking basics in one place.
• Oasis Terraces or Waterway Point? Which mall suits which family errand.
• Lost money to a scam? The first-hour steps for Punggol residents.
• ScamShield 1799: check suspicious calls and messages.
• The Complete Punggol Guide
• Official: DBS/POSB SMS Q · OCBC branches and ATMs · UOB queue number

Banking in Punggol, Kept Simple

Remember one building and three habits. Waterway Point is where the branches are. Check the hours, join the queue from home, and use the app or an ATM whenever the counter is not truly needed. Your Saturday afternoon will thank you.

And if your family is also looking for calm, small-group English, Mathematics or Science, eduKate Punggol teaches classes of three in Punggol. Come find out more: Book a consultation · Chat on WhatsApp

eduKate Punggol
Small-group English, Mathematics and Science
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By appointment · +65 8823 1234

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Checked October 2026. Addresses, opening hours, fees and rules change, so please confirm with the official source before you go.