Open Nyala OCBC now and get reward up to IDR 940,000 + exclusive Disney & Marvel merchandise!

Register Nyala by visiting the nearest PT Bank OCBC NISP Tbk ("OCBC") branch or via OCBC mobile.

1. Choose total combined fund balance and get reward up to IDR 385,000

   Placement	Reward (Net)
   Minimum IDR 2,000,000	IDR 85,000
   Minimum IDR 25,000,000	IDR 185,000
   Minimum IDR 50,000,000	IDR 285,000
   Minimum IDR 200,000,000	IDR 385,000

2. Open new products* to get reward up to IDR 555,000 (max. 3 products)

   New Product Placement	Reward Cashback (Net)
   New product placement min. IDR 10 Miilion/ product	IDR 85,000 / Product
   New product placement min. IDR 100 Miilion/ product	IDR 185,000 / Product

   Notes:

   • The new product placement reward only applies to Customers who have met a minimum total combined balance IDR 25 Million or more from the first month since the Customer opened the account (New Customers) or joined the Nyala Start+ Program (Existing Customers).
   • Special rewards apply to RDN and Credit Card products as stated in the Product choice column.

   List of Eligble New Products*:

   No	Product	Information
   1	Time Deposit	Min. IDR10 Million, tenor min. 3 months
   2	Bonds	Min. IDR10 Million
   3	Mutual Fund (not included Mutual Fund Futures and Money Market Fund)	Min. IDR10 Million
   4	Customer Fund Account (RDN)	Min. IDR 2 Million. RDN product reward provided refers to only one type of reward, which is IDR 85,000.
   5	Credit Card	Credit Card with an active status up to the 3rdmonth since account opening. Credit Card product reward given is IDR 85,000.
   6	Gold Savings	Min. IDR10 Million. If the Customer meet the criteria in the first month, reward will be paid at theend of second month.

3. Open TAKA (Time Deposit Savings) and receive exclusive Disney & Marvel merchandise
   

   Product	Description	Reward
   TAKA Bunga, TAKA Flexi, TAKA Fixed Installment	Minimum target fund IDR 10,000,000, 12-month tenor Especially for TAKA Flexi: minimum monthly deposit IDR 834,000 for 12 months	Disney & Marvel tumbler

Terms and Conditions Nyala Start+ Program

1. The Program applies to:
   1. New Customers; OR
   2. Existing Customers who, as of 31 December 2025, have no active accounts, hold no other OCBC products except Credit Card, and have not participated in any Nyala acquisition program in 2025.
2. Customers must enter promo code “NEA26” during account opening (New Customers) or joining in this program (Existing Customers).
3. Customers must join Nyala Individual or Nyala Payroll services (not applicable for Nyala Business).
4. Exclusive Disney merchandise is valid only at selected OCBC branches. Click here to view the list.
5. All fund placements must be fresh funds (originating from other banks), not internal transfers within OCBC.
   Example: If a customer places IDR 2,000,000 consisting of IDR 1,000,000 from another bank and IDR 1,000,000 internal transfer, the customer is not eligible.
6. The fulfilment of Total Combined Balance requirement and program conditions will be assessed no later than the end of the second month after account opening (New Customers) or joining in this program (Existing Customers), based on the highest Total Combined Balane at each month-end.
   Example: If the Total Combined Balance requirement is met in the first month, the reward will be credited without waiting until the end of the second month.
7. The Total Combined Balance reward is not applied on a multiple basis.
   Example: If a customer places a Total Combined Balance of IDR 100,000,000, the reward will be IDR 285,000, based on the applicable tier of IDR 50,000,000.
8. New product placement requirements must be fulfilled no later than the end of the third month after account opening (New Customers) or joining this program (Existing Customers).
9. New products placement rewards apply only to Customers who meet the minimum Total Combined Balance of IDR 25,000,000 from the first month of account opening (New Customers) or after joining this program (Existing Customers, and are limited to a maximum of three (3) products.
10. The reward will be credited to the Custome’s active account (Tanda 360 Plus IDR or Mudarabah iB IDR) no later than the last working day of the fourth month after account opening (New Customers) or joining this program (Existing Customers).
    Example: If a customer opens an account in May 2026, the Total Combined Balance requirement will assessed until the end of June 2026, and new product placement will be assessed until the end of July 2026. The reward will be credited on 31 August 2026.
11. For the Gold Savings products, the reward will be credited in the form of Gold Savings balance, calculated on the prevailing market value at the time the reward is credited by OCBC.
12. The account must be active and not blocked/restricted for any reason at the time the reward is credited by OCBC. If the account is not active or is blocked at the time of reward payment, the payment will be made on the last working day of the following month.
13. Each customer is only eligible to participate in one new customer program.
14. This program cannot be combined with other new customer programs, except for Tanda Hadiah Extra Gimmick Disney and /or Young Nyala account opening Program.
15. OCBC reserves the right, at its sole discretion, to suspend or cancel the reward if there is any indication of fraud, irregularities, or violations of these Terms and Conditions, or if the participant is included in the OCBC fraud list.
16. For further information, please contact TANYA OCBC: 1500-999; Relationship Manager; International Call: +62-21-2503600; Email: tanya@ocbc.id; or visit the OCBC website.
17. These Program Terms and Conditions comply with the applicable laws and regulations, including those issued by the Financial Services Authority (OJK) and/or Bank Indonesia.
18. OCBC has the right and authority to modify, add, and/or reduce these Terms and Conditions of this Program with notification through media deemed appropriate by OCBC, subject to the applicable laws and regulations.
19. PT Bank OCBC NISP Tbk is licensed and supervised by the Indonesian Financial Services Authority (OJK) & Bank Indonesia and is a guaranteed member of Indonesia Deposit Insurance Corporation (LPS).