Informasi lengkap bunga dan biaya transaksi untuk produk Simpanan Individu OCBC

Informasi pada link berikut: https://www.ocbc.id/id/individu/simpanan/tabungan/tanda360-plus

Effective from 1 March 2023, there are changes in features, service, benefit, and fees with details as follows:

No.	Product Name
No.	Valid until 28 February 2023	Effective from 1 March 2023
1.	Tanda 360	Tanda 360
2.	Tanda Silver
3.	Tabungan Harian
4.	Tabungan Bisnis
5.	Tanda Senior
6.	Tanda Co Branding
7.	Tanda Wulan
8.	Tanda Gold
9.	Tanda Reguler
10.	Tabungan Tanda
11.	Tabungan Bundling (IDR)
12.	E-One Saving
13.	Tanda Bundling Valas (IDR)
14.	Tanda 360 Komunitas^*

^*Effective per 1 March 2023, Tanda 360 Komunitas porduct will be used specifically for payroll and community accounts. For Tanda 360 Komunitas account (Non Payroll and Non Komunitas) will be adjusted to Produk Tanda 360. More details:

Terms & Conditions: Click here
Product Information Summary: Click here

The following are the interest rate apply to Tanda 360 Product:

Interest Rate (% p.a)
< IDR 10 mio	0,00%
IDR 10 mio - < IDR 50 mio	0,05%
IDR 50 mio - < IDR 1 bil	0,10%
≥ IDR 1 bil	0,50%

Interest rate can change at any time according to he provisions in force at bank OCBC
Method of calculating multilevel daily interest payments

The following are term of features, services and fees for Tanda 360 Product:

Conditions		TANDA 360
Currency		IDR
Account Statement		Passbook/ E-Statement/ Statement
Initial Deposit		IDR 200.000
Admin Fee (monthly)	Passbook	IDR 5.000
Admin Fee (monthly)	E-Statement/ Statement	Free
Minimum Average Balance (monthly)		IDR 10.000.000
S/C for below minimum average balance (monthly)		IDR 12.500
Closing Fee		IDR 100.000
Dormant Account fee (monthly)		IDR 15.000
Inactive Account fee (monthly) (Effective May 8 2026)		IDR 15.000
Printed Statement Fee		IDR 20.000/month

No.	Product Name
No.	Valid until 28 February 2023	Effective from 1 March 2023
1.	Tanda 7	Tanda Premium

Effective from 1 March 2023, Tanda 7 product will be adjusted to Tanda Premium product. More details click here

No.	Product Name
No.	Valid until 28 February 2023	Effective from 1 March 2023
1.	E-One Transaction	Tanda 360 Plus
2.	Tanda 360 @ Work	Tanda 360 Plus

Effective from 1 March 2023, E-One Transaction and Tanda 360 @Work product will be adjusted to Tanda 360 Plus. More details click here

Informasi pada link berikut: https://www.ocbc.id/id/individu/simpanan/tabungan/tanda-premium

Regulations

Currency	SGD
Initial Deposit	SGD 500
Min. Monthly Balance	SGD 20
Monthly Administration Fees	No Fee
Closing Fee	SGD 20
Minimum Balance Fee	SGD 2
ATM Card	Yes
Dormant Fee	SGD 2 / month

Product Features

Your Tanda Valas SGD ATM Card can be used for:

Cash Withdrawal in SGD currency from OCBC Singapore ATMs (free withdrawal fee).

Interest Rate Information

Level	Interest Rate
< SGD 100	0.00% p.a
SGD > 200	0.00% p.a

Informasi pada link berikut: https://www.ocbc.id/id/individu/simpanan/tabungan/tanda-junior

Informasi pada link berikut: https://www.ocbc.id/id/individu/simpanan/tabungan/tabunganku

Informasi pada link berikut: https://www.ocbc.id/id/individu/simpanan/tabungan/ocbc-simpel

TAKA Interest Rate
Effective November 14^th, 2022

Product	Interest Rate (p.a) s/d 13 Nov 2022	Interest Rate (p.a) eff. 14 Nov 2022
Open TAKA via Branch
TAKA - IDR	2,75%	2,75%
TAKA - USD	0,25%	2,00%
TAKA - SGD	0,01%	0.01%
Open TAKA via OCBC mobile/ Internet Banking
TAKA - IDR	3,75%	3,15%

Rates & Fees
Tutup rekening sebelum jatuh tempo : Rp 100 ribu

Interest Rate of Taka Hadiah

Applied from December 17th 2020

Program	Branch	Online
Taka Hadiah	0.50% per year	0.50% per year

Fees and Rates
Tutup rekening sebelum jatuh tempo : Rp 100 ribu+Pinalti Hadiah

Suku Bunga Taka
Berlaku mulai 14 November 2022

Produk	Suku Bunga (p.a) s/d 13 Nov 2022	Suku Bunga (p.a) eff. 14 Nov 2022
TAKA Bunga Pasti dengan Target Dana ≥ IDR 10 Juta
Pembukaan TAKA Melalu Cabang
Fixed 1 tahun
Fixed 1 tahun	2.75%	3.25%
Fixed 2 tahun	2.75%	3.75%
Fixed 3 tahun	2.75%	4.25%
Pembukaan TAKA Melalu OCBC mobile / Internet Banking
Fixed 1 tahun
Fixed 1 tahun	3.25%	3.75%
Fixed 2 tahun	3.25%	4.25%
Fixed 3 tahun	3.25%	4.75%

Tarif dan Biaya
Cabang	Online
Tutup rekening sebelum jatuh tempo: Rp100 ribu	Tutup rekening sebelum jatuh tempo: Rp100 ribu

All interest rate in the form of p.a

COUNTER RATE IDR - BRANCH

Currencies	Nominal Placement	Period (month)
Currencies	Nominal Placement	1	>1 - 3	>3 - 6	>6 - 12
IDR	Minimum 8 Juta	2.75%	2.75%	2.75%	2.75%

COUNTER RATE IDR – ONLINE (OCBC mobile & Internet Banking)

Currencies	Nominal Placement	Period
Currencies	Nominal Placement	14 Days*	1 Month	3 Months	6 Months	12 Months
IDR	≥ 1 Juta - < 500 Juta	2.00%	3.00%	3.25%	3.25%	3.25%
	≥ 500 Juta - ≤ 2 Miliar	2.00%	3.00%	3.25%	3.25%	3.25%
	> 2 Miliar - ≤ 10 Miliar	2.00%	3.25%	3.50%	3.50%	3.50%

*) For 14-day Time Deposit placement. min. placement is IDR 5 mio.
Rates are subject to change without prior notice to customers

Counter Rate Valas - Branch

Currencies	Nominal Placement	Period (month)
Currencies	Nominal Placement	1	>1 - 3	>3 - 6	>6 - 12
USD	≥ 1.000	1.00%	1.00%	1.00%	1.00%
SGD	≥ 1.000	0.25%	0.25%	0.25%	0.25%
GBP	≥ 2.000	0.00%	0.00%	0.00%	0.00%
AUD	≥ 2.000	0.00%	0.00%	0.00%	0.00%
CNH	≥ 5.000 - < 50.000	0.10%	0.25%	0.25%	0.25%
CNH	≥ 50.000	0.10%	0.25%	0.25%	0.25%
EUR	≥ 2.500	0.00%	0.00%	0.00%	0.00%
JPY	≥ 100.000	0.00%	0.00%	0.00%	0.00%
NZD	≥ 2.000	0.10%	0.10%	0.10%	0.10%

Counter Rate Valas - Online (OCBC Mobile dan Internet Banking)

Currencies	Nominal Placement	Period
Currencies	Nominal Placement	1 Month	3 Months	6 Months	12 Months
USD	≥ 1.000 - < 10,000	2.00%	2.00%	1.75%	1.75%
	≥ 10,000 - ≤ 200,000	2.00%	2.00%	1.75%	1.75%
	> 200,000 - ≤ 1,000,000	2.50%	2.50%	2.25%	2.25%
SGD	≥ 1.000 - ≤ 100,000	0.50%	0.50%	0.50%	0.50%
AUD	≥ 1.000 - ≤ 100,000	0.00%	0.00%	0.00%	0.00%
CNH	≥ 5.000 - < 200,000	0.15%	0.25%	0.35%	0.35%
CNH	≥ 200,000 - ≤ 500,000	0.15%	0.25%	0.35%	0.35%

All Rates are in Forms of Per Annum/p.a.
Rates are subject to change without prior notice to customers

Setoran Antar Cabang OCBC NISP

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Untuk Rekening Rupiah	Free	Free	Free	Free	Free
Untuk Rekening Valas USD & non USD/td>	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT

Pindah Buku

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Pindah buku dengan mata uang yang sama	Free	Free	Free	Free	Free
Pindah buku dengan mata uang berbeda	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT	Kurs Jual TT

Setoran warkat Bank OCBC NISP

a. Biaya Kliring dan Intercity

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Biaya Setoran warkat kliring	2,000 / warkat	2,000 / warkat	2,000 / warkat	2,000 / warkat	Free 50x per bulan
Biaya Setoran warkat kliring + Intercity	2000 + 0	2000 + 0	2000 + 0	2000 + 0	2000 + 0
Biaya tolakan kliring	125.000	125.000	125.000	125.000	125.000
Biaya pemrosesan warkat dengan nominal diatas Rp.500juta (dibebankan kepada nasabah penerbit warkat) termasuk biaya RTGS ke bank penerima / penagih warkat	125.000	125.000	125.000	125.000	125.000

b. Setoran warkat Inkaso

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Biaya Setoran warkat inkaso Ke luar kota yang terdapat Cabang OCBC NISP + biaya kliring	10.000,-/ warkat + IDR 2.000,-/warkat	10.000,-/ warkat + IDR 2.000,-/warkat	10.000,-/ warkat + IDR 2.000,-/warkat	10.000,-/ warkat + IDR 2.000,-/warkat	F10.000,-/ warkat + IDR 2.000,-/warkat
Biaya Setoran warkat inkaso Ke luar kota yang tidak terdapat Cabang OCBC NISP + biaya kliring + biaya Bank Perantara	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat	10.000,-/ warkat + IDR 2.000/ warkat + Biaya Bank Perantara / warkat

Effective June 5, 2023, the limit for Bank Notes transactions applies on the following link

Jenis Transaksi		Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Untuk Rekening Rupiah		Kurs Beli TT	Kurs Beli TT	Kurs Beli TT	Kurs Beli TT	Kurs Beli TT
Untuk Rekening Valas dengan mata uang : USD,SGD, EUR, AUD, GBP, JPY, CNH, HKD	setara USD 50.000 per hari per rekening	Free	Free	Free	Free	Free
	Di atas batas harian	Free	Free	Free	Free	Free
Setoran Bank Notes Denominasi	USD ≤ 50	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya
Setoran Bank Notes Denominasi	SGD ≤ 20	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya	Provisi 1% dari total nominal pecahan yang dikenakan biaya
Setoran Uang Kertas Asing USD CAP		Provisi 1% dari total nominal	Provisi 1% dari total nominal	Provisi 1% dari total nominal	Provisi 1% dari total nominal	Provisi 1% dari total nominal

Pindah Buku

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Pindah buku dengan mata uang yang sama	Bebas	Bebas	Bebas	Bebas	Bebas
Pindah buku dengan mata uang berbeda	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT
Pindah buku antar mata uang yang berbeda dalam rekening Multicurrency	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT	Kurs Beli dan Jual TT

For Giro Account & Multi Currency Foreign Exchange withdrawals in USD, SGD, EUR, AUD, GBP, JPY, CNH

Transaction Type	Normal Fee Rate	Fee for Premier Customer	Fee for Nyala	Fee for Nyala Individu	Fee for Nyala Business
Equivalent USD 2,500 per month per account	Free	Free	Free	Free	Free
Above the month limit	Provisi 0.5%	Provisi 0.5%	Provisi 0.5%	Provisi 0.5%	Provisi 0.5%

For Saving Account with foreign currency withdrawals in USD, SGD, EUR, AUD, GBP, JPY, CNH

Transaction Type	Normal Fee Rate	Fee Rate for Nyala Customer /Nyala Business	Fee for Premier Customer	Fee for Private Customer
Equivalent USD 2,500 per day or Equivalent USD 25,000/month	Free	Free	Free	Free
Equivalent USD 5,000 per day or Equivalent 50,000/month	Provisi 0,50%	Provisi 0,50%	Free	Free
Equivalent USD 10,000 per day or Equivalent 100,000/month	Provisi 0,50%	Provisi 0,50%	Provisi 0,50%	Free
Above nominal	Provisi 0,50%	Provisi 0,50%	Provisi 0,50%	Provisi 0,50%

PENARIKAN TUNAI Rupiah

Jenis Transaksi	Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Nominal Penarikan < Rp. 5 Juta*	10.000	10.000	10.000	10.000	10.000
Nominal Penarikan > Rp. 5 Juta	Free	Free	Free	Free	Free

Transfer to other bank

Type of Transactions	Standard Fee	Premier Banking Fee	Nyala Fee	Nyala Individu Fee	Nyala Business Fee
LLG/SKN	2.900	2.900	2.900	2.900	2.900
RTGS	2.900	Free of charge up to 10x per month via OCBC mobile, according to balance tier	30.000	30.000	30.000
BI-FAST	2.500	Free of change	Free of change with no limits, according to level Nyala

Notes

The SKN/LLG Transfer Fee above already includes Bank Indonesia's fee of IDR1*,-/ fund transfer, based on PADG regulation No. 5 of 2024
The RTGS Transfer Fees above already include Bank Indonesia's fees of: Time: 06:30 to 10:00 WIB = IDR 6,000* | Time: >10:00 to 14:00 WIB = IDR 15,000* | Time: >14:00 to cut-off = IDR 21,000*, based on PADG regulation No. 8 of 2024
The BI-FAST Transfer Fee above already includes Bank Indonesia's fee of IDR19*,-/ fund transfer, based on PADG regulation No. 17 of 2023

^*The costs do not include 11% VAT
^**based on the quota that is reset every 3rd of each month

Jenis Transaksi		Biaya Tarif Normal	Biaya Nasabah Premier	Biaya Nyala	Biaya Nyala Individu	Biaya Nyala Bisnis
Biaya TELEX/SWIFT	Giro Umum	50.000	50.000	50.000	50.000	50.000
	Tabungan	50.000	Free 1x Per bulan (Tabungan dan Tabungan Multicurrency	50.000	50.000	50.000
	Multicurrency	100.000	100.000	100.000	100.000	100.000
Biaya Provisi	Giro Umum tidak melibatkan Valas	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara
	Tabungan tidak melibatkan Valas	0.125% (min USD 10 – maks USD 150) atau setara	Free 1x Per bulan (Tabungan dan Tabungan Multicurrency) *berlaku hanya untuk transaksi melalui One Mobile, 1x per bulan.	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara	0.125% (min USD 10 – maks USD 150) atau setara
	Giro Umum dan Tabungan melibatkan Valas	Free	Free	Free	Free	Free
	Multicurrency	Free	Free	Free	Free	Free
Biaya Full Amount sampai dengan Bank Koresponden Penerima*)	USD	25	25	25	25	25
	EUR	20	20	20	20	20
	AUD	30	30	30	30	30
	GBP	20	20	20	20	20
	HKD	300	300	300	300	300
	SGD	25	25	25	25	25
	CNY/CNH	200	200	200	200	200
	CAD	25	25	25	25	25
	CHF *CHF= 20 (Efektif 8 Mei)	15	15	15	15	15
	NZD	45	45	45	45	45
	JPY
	Transfer dana ≤ JPY 40 mio	5.000	5.000	5.000	5.000	5.000
	Transfer dana > JPY 40 mio	5.000,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)	5.000,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)	5.000,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)	5.000,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)	5.000,- (sampai nominal transfer JPY 40 mio) + 0,05% dari sisa nominal transfer (0,05% x (nominal transfer – JPY 40 mio)
Biaya Incoming Transfer	Full Amount/OUR	Free	Free	Free	Free	Free
	Beneficiary (BEN)/Sharing (SHA)
	USD	USD 5	USD 5	USD 5	USD 5	USD 5
	EUR	EUR 3,5	EUR 3,5	EUR 3,5	EUR 3,5	EUR 3,5
	AUD	AUD 6	AUD 6	AUD 6	AUD 6	AUD 6
	GBP	GBP 2,5	GBP 2,5	GBP 2,5	GBP 2,5	GBP 2,5
	HKD	HKD 35	HKD 35	HKD 35	HKD 35	HKD 35
	SGD	SGD 7,5	SGD 7,5	SGD 7,5	SGD 7,5	SGD 7,5
	CNY	CNY 32	CNY 32	CNY 32	CNY 32	CNY 32
	CAD	CAD 6	CAD 6	CAD 6	CAD 6	CAD 6
	CHF	CHF 6	CHF 6	CHF 6	CHF 6	CHF 6
	NZD	NZD 9	NZD 9	NZD 9	NZD 9	NZD 9

Effective 23 September 2024

Transaction Type		Normal Fee Rate	Fee for Premium Customer	Fee for Nyala	Fee for Nyala Business
Monthly Card Administration Fee		10.000	10.000	10.000	10.000
Applying for a new ATM card under a name		Free	Free	Free	Free
Replacing a lost or damaged ATM card		40.000	40.000	40.000	40.000
Replacing a lost, expired, or damaged savings book		40.000	40.000	40.000	40.000
Replacing a lost or damaged special design ATM card		75.000	75.000	75.000	75.000
Purchasing a checkbook		100.000	100.000	100.000	100.000
Request fora transaction receipt copy	<= 3 months	5.000	5.000	5.000	5.000
	>3 months	10.000	10.000	10.000	10.000
	<= 6 months	5.000	5.000	5.000	5.000
Request for a bank statement for a specific month	>6-12 months	15.000	15.000	15.000	15.000
Request for a bank statement for a specific month	>12 months	25.000	25.000	25.000	25.000
Issuance of a Bank Support Letter		150.000	150.000	150.000	150.000
Issuance of an Audit Confirmation Letter		100.000	100.000	100.000	100.000
Issuance of a Bank Reference Letter		50.000	50.000	50.000	50.000
Annual Rental Fee for a Safe Deposit Box	Large type	1.500.000+ PPN 11%	1.500.000+ PPN 11%	1.500.000+ PPN 11%	1.500.000+ PPN 11%
	Medium type	1.000.000+ PPN 11%	1.000.000+ PPN 11%	1.000.000+ PPN 11%	1.000.000+ PPN 11%
	Small Type	600.000+ PPN 11%	600.000+ PPN 11%	600.000+ PPN 11%	600.000+ PPN 11%
	Key Guarantee	1.000.000	1.000.000	1.000.000	1.000.000
Token Internet Banking	Purchasing a New Token/Lost Token	200.000	200.000	200.000	200.000
Token Internet Banking	Damaged token and flat battery	Free	Free	Free	Free
Service Charge		N/A	150.000	10.000	50.000
Printed Consolidated Report			25,000

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