Further Information

Tanda Junior Savings is a savings account designed for children aged 14 days to under 17 years old, under the supervision of their parent or legal guardian.

This account can be opened by:

New customers who do not yet have an account with OCBC (NTB)
Existing customers who already have an account with OCBC (ETB)

1. For New Customers (NTB):
   • Branch
   • Digital Channels: OCBC mobile & OCBC Website (https://onboarding.ocbc.id/product/tanda-junior)
2. For Existing Customers (ETB):
   • Branch
   • Digital Channel (OCBC mobile)

1. Account Opening via Branch:
   • Parent/Guardian ID Card (KTP) for Indonesian citizens
   • KITAS/KITAP/Passport for foreign parents/guardians
   • Family Card (mandatory) or Birth Certificate and Child Identity Card (KIA) (mandatory)
   • Legal guardianship letter from the court (required if not a biological child)
2. Account Opening via Digital Channels (OCBC mobile & Web Onboarding):
   1. New Customers:

      Parent’s ID Card (KTP) — only biological parents who are Indonesian citizens are eligible
      Family Card (mandatory)

   2. Existing Customers:

      Family Card (mandatory)

No, Tanda Junior is a single-currency account (one currency per account).

1. Via Branch: Customers can choose from 3 currencies: IDR, SGD, and USD.
2. Via Digital Channels: Only available in IDR.

• Low initial deposit
• No monthly administration fee (or subject to applicable service terms)
• Free ATM/Debit card annual fee
• Free insurance protection (only applicable for IDR accounts opened via Branch)

The name displayed on the account and ATM/Debit card will be the child’s name.

Yes, parents can open one Tanda Junior account for each child, as long as the child meets the age requirements set by the Bank.

A maximum of 2 accounts can be opened for the same child:

One account linked to the mother’s CIF
One account linked to the father’s CIF

Tanda Junior can be used as a related account for TAKA and Deposits under the parent’s name.

• IDR (Branch/ Digital)
• USD (Branch)
• SGD (Branch)

• IDR (Branch/ Digital): IDR 50.000,-
• USD (Branch): USD 5
• SGD (Branch): SGD 5

• IDR (Branch & Digital): Free*
  (*If additional services are applied, fees will follow the applicable service terms.)
• USD (Branch): Free*
  (*If additional services are applied, fees will follow the applicable service terms.)
• SGD (Branch): Free*
  (*If additional services are applied, fees will follow the applicable service terms.)

• IDR (Branch & Digital): IDR 50.000,-
• USD (Branch): USD 5
• SGD (Branch): SGD 5

• IDR (Branch & Digital): IDR 50.000,-
• USD (Branch): USD 5
• SGD (Branch): SGD 5

• IDR (Branch & Digital): IDR 15.000,-
• USD (Branch): USD 1
• SGD (Branch): SGD 2

• IDR (Branch & Digital): IDR 50.000,-
• USD (Branch): USD 5
• SGD (Branch): SGD 5

• IDR (Branch & Digital): Free
• USD (Branch): Free
• SGD (Branch): Free

• IDR (Branch & Digital): Passbook (Branch) + ATM/Debit Card and Mobile Banking (for IDR)
• USD (Branch): Passbook
• SGD (Branch): Passbook

Account opening via Branch: Insurance benefits are available.
Account opening via Digital Channels: No insurance benefits are provided.

IDR 1.000.000,- (Applicable di ATM OCBC, Prima, Bersama, OCBC Singapore, BankCard Malaysia)

IDR 1,000,000,-(Applicable on Prima & Bersama networks)

IDR 1.000.000,- (Applicable for transfers between OCBC account)

IDR 1,000,000,-(Applicable on Prima & Bersama networks)

IDR 1,000,000,-(Applicable at OCBC ATMs)

• Insurance protection is free of charge (no premium required).
• Insurance benefits apply only to IDR Tanda Junior accounts opened via Branch.
• Not applicable for accounts opened via Digital Channels or for USD/SGD accounts.
• Coverage includes:
  • Daily hospitalization insurance for the child
  • Life insurance for the parent

Child (insured): 14 days to 17 years old (coverage valid until the child turns 17)

Parent (insured): 20 to 59 years old (coverage valid until the parent turns 60) (Age is calculated based on last birthday)

The insurance coverage remains valid as long as:

• The Tanda Junior account is active, and
• The insured meets the applicable age requirements in accordance with the Bank’s policy.

1. Customers are required to notify the Insurance Company in the event of a claim, in accordance with the Policy terms, by completing the claim form provided by the Insurance Company and submitting all required supporting documents through the Bank.
2. The claim submission period for each insurance benefit is 60 (sixty) calendar days from:
   1. The completion of hospitalization (for the insured child), or
   2. The occurrence of death (for the insured parent).
3. Claims submitted after this period will be considered expired and will not be processed.
4. The Insurance Company will process and pay approved claims no later than 14 (fourteen) working days after approval.
5. The Insurance Company reserves the right to request additional supporting documents if necessary.
6. The Insurance Company has the right to conduct investigations on submitted claims. The Policyholder and/or insured must provide original documents and any required information upon request.

1. Original Hospital/Clinic Claim Form, duly completed by the Policyholder or Participant (form available on the OCBC website)
2. Certified copy of hospital receipts along with detailed billing
3. Medical certificate completed by the attending doctor (original or certified copy)
4. Copy of identification documents (ID card, passport, Family Card, or other valid documents) of the Policyholder and/or Participant and/or beneficiary
5. Any additional documents required by the insurer

1. Death claim form issued by the insurer (available on the OCBC website), duly completed by the beneficiary
2. Copy of identification documents of the insured parent and beneficiary/heirs
3. Death certificate (original or certified copy). If death occurs overseas, it must be issued by an authorized institution (at minimum, the Indonesian Consulate General)
4. Medical certificate stating the cause of death (original or certified copy)
5. Police report or accident report if death is due to an accident (original or certified copy)

All claim documents can be submitted through the nearest OCBC branch.

These can be accessed via the official OCBC website:

https://www.ocbc.id/id/individu/simpanan/tabungan/tanda-junior

The parent (CIF holder), with or without the child, must visit an OCBC branch to close the Tanda Junior account. The child can then open a new account independently as an adult customer.

Yes, the account can still be used. However, all limits and benefits will continue to follow the Tanda Junior account terms (with limited features).

No, the account must be closed if the parent passes away.

Yes, but it must be opened under a different CIF. For example, if the first account is linked to the father’s CIF, the second account can be linked to the mother’s CIF.