OCBC API

Ease of Financial Transaction Instructions

Grow your digital business ecosystem without switching platforms.

Diverse Solutions

Comprehensive banking services such as business fund management, payments, and collections.

Reliable and Fully Supported

99.5% SLA uptime with business and technical support available through multiple channels.​

Competitive Pricing​

Various packages and pricing options available.​

    What and Why OCBC API?

    Partner Use Case

    API Services

    Fees and Transaction Limits​

    Transaction Flow​

What is OCBC API?

OCBC API is a digital channel that utilizes Application Programming Interface (API) technology to support your business ecosystem.

Integration with OCBC API can help your business processes in making payments, fund transfers, transaction information, and real-time account monitoring.


Why OCBC API?

  • OCBC API supports your business ecosystem by enhancing user experience in transactions and improving process efficiency.
  • OCBC API is also supported by OCBC Business Internet Banking to help you manage your transactions.

Investment

As an investment platform business owner, we understand that you need to stay ahead in the market and provide users with timely, data-driven, and reliable services. Our APIs are designed to support your platform with the features you need to achieve this. RDN/RDL API offers secure and user-tailored account management solutions. Virtual Account API simplifies fund collection processes. Fund Transfer API enables fast and secure money transfers — crucial for investment platforms. Maintaining user information is essential for transparency and trust. Credit Debit Notification API ensures your users receive instant alerts for every transaction.


Remittance

Ensuring fast, safe, and seamless money transfers is crucial for the remittance industry. With our comprehensive solutions, we help you maintain transparency, security, customer satisfaction, and competitiveness in the market. Using the History List API, you can store detailed records of all transactions. You can also verify recipient accounts using the Beneficiary Inquiry API to reduce errors and increase customer trust. Our Fund Transfer API facilitates fast and secure fund transfers, ensuring money reaches its destination quickly. The Virtual Account API offers efficient fund collection, improving user experience and operational efficiency.


Fintech

In the fast-paced fintech landscape, staying ahead requires innovative solutions. Our APIs are designed to empower your platform with the tools needed to deliver comprehensive financial services. With the Onboarding API, the customer onboarding process becomes simplified, ensuring a hassle-free experience. In addition, our Account Binding API facilitates secure account linking to improve service integration. We enable fast and secure money transfers and smooth transactions using the Fund Transfer API. Your users can also check their balances in real time through the Balance Inquiry API.


Corporate

For corporations that manage daily transactions, OCBC API can support your operations by minimizing or eliminating manual processes through direct integration between your system and OCBC API. It also offers various transfer options such as BI- FAST, Online Transfer, SKN/LLG, RTGS, and Internal Fund Transfer. To manage transactions, you can use the Transaction Status API and view overall account movements through the History List API.

OCBC Solutions for Your Business Needs

Fintech

Comprehensive solutions for investment activities for securities company platforms or peer-to-peer lending fintechs.

Account Opening

  • Customer Fund Account Opening
  • Lender Fund Account Opening

Real-Time Transactions

  • Debit and credit notifications in real time.

Easy Payment Acceptance

  • Fund transfers without switching platforms
  • Virtual accounts for transaction reconciliation.

Banking As A Service

A solution to integrate digital banking features into your platform with complete functionality.

  • Integrated account opening
  • KYC process without visiting a branch
  • Linking user accounts with bank accounts
  • Fund transfers without switching platforms
  • Easy cash withdrawals using a debit card

Fund Management

Monitor and manage your accounts without switching platforms.

  • Check recipient account status
  • Balance information
  • IDR fund transfer – Transfer within OCBC or to other banks via SKN, RTGS, online transfer, BI-FAST
  • FCY fund transfer – Intrabank transfer and Telegraphic Transfer
  • History list – to view account transaction history

Collection

Make business operations more efficient with easier payment reconciliation.

  • Insert, update, and delete virtual accounts
  • Virtual account payment status updated in real time
  • Get member virtual account

Transaction Limits Follow OCBC Business Transaction Limits

Transactions via OCBC Business (web & mobile version) General/Multicurrency Account Business Smart Account Business Signature Account
Balance Inquiry   Free of Charge    
Rupiah Transfer LLG/SKN 2.000 2.000 1.000
RTGS
  • ≤ jam 14.00 = 25.000
  • > jam 14.00 = 30.000
 
  • ≤ jam 14.00 = 22.500
  • > jam 14.00 = 28.000
BI-FAST 2.500 2.500 2.500
Online 6.500 6.500 6.500
Foreign Currency Transfer Telex General Account: 50.000
Multicurrency: 100.000
100.000 75.000
Provision Fee General Account: 0.125% of nominal amount (min. equivalent to USD 10, max. USD 150)
Multicurrency: Free of Charge
Free of Charge Free of Charge
Full Amount Fee AUD 30, CAD 25, CHF 15*, EUR 20, GBP 20, HKD 300, JPY 5,000 (up to transfer amount JPY 40 million) + 0.05% of the remaining transfer amount (transfer amount above JPY 40 million), NZD 45, SGD 25, USD 25, CNH/CNY 200
*Effective May 8, full amount fee for CHF changes to CHF 20

Several transaction flows you can choose when using OCBC API

Tanya OCBC NISP

OCBC Connect adopts the SNAP standard for all its API services, which include:

  1. Architecture Type
  2. Data Format
  3. Character Encoding
  4. HTTPS Method
  5. Header Structure Components – Access Token (Business to Business (B2B) and Business to Business to Consumer (B2B2C))
  6. Header Structure Components – Transaction (B2B and B2B2C)
  7. Server Authentication Method Components
  8. Client Authentication Method Components
  9. Encryption Standard Components
  10. Secured Channel Communication Components
  11. URI Path Standardization Components
  12. Business Continuity Plan Standardization Components (Reliability, Availability, and Scalability)
  13. Other Security Standardization Components

According to Bank Indonesia’s regulations, Open API has been standardized using SNAP, and OCBC Connect follows the SNAP standard, which simplifies the integration process. Some adjustments are still required due to differences in data for each transaction type.

The pricing scheme for OCBC Connect generally uses either a subscription fee or a per-hit fee model, where we can offer competitive pricing to support your business needs.

Currently, detailed information about API services (Technical Documents) will be shared with you after the OCBC sales team receives the signed NDA document.

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Facilitate business transactions anytime, anywhere with OCBC Business

Facilitate business transactions
anytime, anywhere with OCBC Business

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