Further Information

1. Easy and secure transactions through OCBC mobile

   Get the ease and convenience of transactions ranging from checking balances, transfers, paying bills to investing in 1 application.
   
   OCBC mobile is a banking app that does all your banking transactions.

   • Daily transactions:

     Check balances, transfer between banks, pay for groceries with QR Pay, buy credit, data packages, pay electricity bills, credit card in payment & purchase feature, Top Up GoPay, OVO, Shopee Pay, Dana, LinkAja.

   • Loans:

     Online unsecured loan, apply increase in credit card limit, and convert your transactions into installments.

   • Investments:

     Create SID/Investment number & know your own risk profile without having to come to the branch, investment starts from Rp. 100,000/day.
     Bundle up to 3 Mutual Fund products and check investment performance, save and buy and sell multiple foreign currencies online at competitive rates.

2. Free transaction fees

   Effective April 1, 2026, a new Nyala Payroll benefit scheme will be implemented. For complete information, please click here.

   LEVEL NYALA	Average Asset Under Management (AUM) (per month)	Transaction Fee Benefits (Monthly Quota)				Service Fee (Per Month)
   		BI - FAST Transfer	Bank Transfer	Payment/Purchase	Cash Withdrawals
   BASIC	<IDR200.000	10x	-	3x	3x	IDR 5,000
   FIT	IDR200.000 -<IDR25 mio	150x	5x	5x	5x
   PRO	IDR25 mio -<IDR50 mio	150x	20x	20x	20x
   MASTER	≥IDR50 mio	150x	30x	30x	30x

   Information:

   • Withdraw cash at ATM Network Prima, ATM Bersama and OCBC Singapore (applies to OCBC ATM cards with the Mastercard logo).
   • Purchase and Payment Transactions via ATM/OCBC Internet Banking/OCBC mobile.
   • Inter-bank transfers via OCBC Internet Banking/OCBC mobile/OCBC Business using the Online Transfer method.
   • Inter-bank transfers using the BI-FAST method via OCBC mobile.
   • Nyala Service Fee is charged if the average combined balance is less than IDR200,000 (Two Hundred Thousand Rupiah). Other fees that apply at the Savings and Current Account product level such as Monthly Administration Fees and/or Fall Below Fees (under the required minimum balance fees) are no longer applicable for customers with Nyala services.

   Nyala Payroll provides various benefits that can be enjoyed by Customer based on the Total Relationship Balance which includes funds placed on savings, current accounts, time deposits, term savings (TAKA), and Wealth Management products.

3. 0% installment and up to 36 months tenor with OCBC credit card

   Apply for an OCBC credit card and control your cashflow by converting bills into up to 36X intallments.

4. Easy apply emergency loan through On Cash Loan (KTA)

   Unsecured loan up to Rp 200 million, fast and easy procession with low interest rates and loan terms of up to 48 months.

5. Easy to own your dream house & car through HOP & COP loans

   Enjoy the convenience of getting a Car Ownership Program (COP) and Home Ownership Program (HOP) with competitive interest rates, credit tenor of up to 5 years (COP) & 25 years (HOP) and free administration fees, appraisal, credit agreement (un-notarill) (T&C applies).

6. Easy investment from IDR10,000

   Create SID/Investment number & know your risk profile without having to come to the branch, Invest from IDR10,000 & Bundle up to 3 Mutual Fund products and check investment performance, save and buy and sell 11 foreign currencies online at competitive rates.

7. Exclusive offers for management & executives

   One tier up program for management and executives to enjoy various benefits and facilities available from medical check up to airport pick up that can support the lifestyle and quality of life of OCBC customers.

8. Enjoy poinseru and redeem with attractive prizes

   Collect Poinseru every month and redeem exciting rewards, from e-wallet vouchers, airline miles, and electronic gadgets. Earn points by:
   1. Making transactions with QRIS, Debit Card, Credit Card, or monthly bill payments
   2. Maintaining your monthly savings balance
   3. Opening TAKA and/or monthly mutual fund products
   4. For more information, click here

Nyala Payroll

Nyala Payroll