OCBC eStatement PDF Password Format (2026)

Commonly reported as the last 4 characters of your NRIC or passport number followed by your date of birth as DDMmmYY (11 characters, case-sensitive); OCBC stopped emailing documents from 30 June 2026.

OCBC's emailed eStatements have commonly been reported to open with the last 4 characters of your NRIC or passport number followed by your date of birth as DDMmmYY, for example 345D21Feb88. We could not confirm this on OCBC's current website. As of October 2026, OCBC says it no longer emails electronic documents. From 30 June 2026 you view them in the OCBC app or Internet Banking instead.

The password format

This format is widely reported, and earlier versions of OCBC's help pages are said to have described it. OCBC's current pages don't state it, so treat it as likely, not confirmed:

• Last 4 characters of your NRIC or passport number, including the letter at the end
• Date of birth as DDMmmYY: two-digit day, three-letter month with a capital first letter, two-digit year

That makes 11 characters, and the password is reported to be case-sensitive. The example usually quoted is NRIC S1234567A, born 8 August 1988, which gives 567A08Aug88. OCBC also let customers set their own documents password (see OCBC's change documents password guide). That password was reported to be 8 to 16 alphanumeric characters, shared by statements and letters.

OCBC no longer emails statements

OCBC's Documents help page says that from 30 June 2026, electronic documents are viewed in the OCBC app and Internet Banking and are no longer sent by email. OCBC still emails you, or sends a push notification, when a new eStatement or eLetter is ready. Paper documents still go to your mailing address.

So the password matters mainly for older PDFs already in your inbox or saved on your device. For anything new, log in and download it there.

Worked example

Lim Hui Ling (made-up) has NRIC S8812345D and was born on 21 February 1988.

• Last 4 characters of NRIC: 345D
• Date of birth as DDMmmYY: 21Feb88

Likely password: 345D21Feb88.

If the password doesn't work

• Check capitals. The NRIC letter is a capital. In the month, only the first letter is a capital: Feb, not FEB.
• Did you set your own password? If you ever changed your documents password, the default no longer applies. Reportedly, older documents still need the password that was active when they were sent.
• Passport holders. Use the last 4 characters of the passport number OCBC has on record. That may be an older passport.
• Read the original email. It normally states the password format.
• Download it again. The simplest fix is to log in to the OCBC app or Internet Banking and download the same statement there.

Removing the password so you don't have to type it again

Once the statement opens, you can keep an unlocked copy so you are not typing the password every month. On iPhone, iPad or Mac, UnKey does this offline: you enter the password you already know, and it saves a copy without the password on your device. Nothing is uploaded. You can also do the same with Preview on a Mac or the "print to PDF" option in most PDF readers. Store the unlocked copy somewhere private, because anyone who gets hold of it can read it.

Questions

Sources

• OCBC – Documents (Help and Support)
• OCBC – How to change Documents password

Formats can change. If a password doesn't work, check the email the document came with or contact the issuer. UnKey isn't affiliated with any bank, employer or authority named here.