Further Informations

Program Terms & Conditions

1. The program applies to all OCBC Customers and Employees who successfully invite their family members or friends to open an OCBC account and join Nyala OCBC using a referral code. This program does not apply to OCBC employees working in Seller functions or Branch Operations.
2. Terms for the Referrer:
   1. The Referrer must already be registered with OCBC Nyala or OCBC Premier Banking services.
   2. The Referrer may refer a maximum of fifteen (15) Referees per year.
   3. The Referrer may participate in the Program through one of the following options:
      • Digital Channel (OCBC mobile): click here for the guidelines.

        The Referrer will be eligible to receive a reward if the Referee enters the referral code when opening the account.

      • OCBC Branch Office:

        The Referrer must submit the Referee’s information (name and phone number) through the Internet Banking website (click here) maximum one (1) month after the Referee opens an account.

        If there is any discrepancy between the data submitted by the Referrer and the Referee through Internet Banking, the Referrer will not be eligible to receive the reward.

   4. The reward will be calculated after the Referee places funds according to the applicable program scheme, maximum the end of the following month after the Referee opens the account.

      Example: If the Referee opens an account on 18 April 2026, the fund placement must be completed maximum 31 May 2026. The reward calculation will be based on the Total Combined Balance as of 31 May 2026.

   5. The Referrer’s account must remain active and not blocked for any reason at the time the reward is credited by OCBC.
   6. The reward will be credited to the Referrer’s Tanda 360 Plus IDR account no later than the 30th or 31st of the following month after all program Terms and Conditions have been fulfilled.
   7. The Referrer represents and warrants that it has obtained the consent of the Referral for (i) its personal data to be provided to OCBC and (ii) to be contacted by OCBC for participation in the Program. Referrer guarantees to release OCBC from all risks, demands, lawsuits and other legal remedies against OCBC related to or arising from the disclosure of the Referral personal data to OCBC.
3. Terms for the Referee:
   1. The Referee must open an account through either Digital Channel (OCBC mobile) or OCBC Branch Office.
   2. The Referee must open an account based on the selected option:
      • Through Digital Channel (OCBC mobile): click here for the guideliness (required to enter the Referrer’s referral code in the ‘Referral Code’ section during the account opening process).
      • Through OCBC Branch Office. The phone number submitted by the Referrer through Internet Banking must be the same as the phone number registered in the OCBC system when the Referee opens the account.
   3. The Referee must place funds as fresh funds, either through transfers from another bank or cash deposits at an OCBC Branch.
   4. The value of the Referee’s fund placement will be calculated based on the Total Combined Balance no later than the end of the following month after the Referee opens the account.

   Example: If the Referee opens an account on 18 April 2026 and places initial deposit of IDR 100,000 then makes an additional top-up of IDR 27,000,000 on 20 May 2026 and maintains the balance until 31 May 2026, the Referrer will receive the reward based on the scheme for a minimum total combined balance of IDR 25,000,000.  

4. The IDR 250,000 placement scheme applies only to referrals conducted digitally via OCBC mobile without a staff code.
5. Rewards will be deemed valid only if both the Referrer and the Referee have fulfilled all Program Terms and Conditions.
6. Additional rewards apply only if the Referee opens a Tanda Hold product with a minimum tenor of three (3) months and places funds in accordance with the applicable program scheme. The Tanda Hold account must be opened within the same month as the fund placement. If the Tanda Hold account is opened in a different month from the fund placement scheme, the additional reward will not be granted.

   Example: If the Referee opens an account on 25 June 2026 and places IDR 50,000,000, then opens a Tanda Hold account of IDR 30,000,000 with a 3-month tenor on 27 June 2026, the Referrer will receive the total reward based on the minimum combined balance scheme of IDR 25,000,000 plus the additional Tanda Hold reward.

7. 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.
8. 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.
9. 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.
10. 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.
11. 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).

The Referee can participate in Nyala New Customers Program, allowing the Referee to receive rewards of up to hundreds of thousands of rupiah.

Please ensure that the Referrer’s referral code is followed by ”x NEA26”.

Example: A1B2C3D x NEA26Visit this link to complete information regarding the Nyala New Customer Program: click here

Steps for the Referrer via OCBC mobile

• Login to OCBC mobile On the Dashboard page, click “All Menu”
• On “Daily Transaction” section, choose “Refer a Friend”
• Click the copy button on the Unique Referral Code and share through the app of your choice.
• After the code is successfully copied, a notification will appear saying Referral Code copied successfully.
• Customers can also share a link to download OCBC Mobile app by clicking “Invite My Friend”.
• Then notification will appear saying Invitation has been Sent, click OK.
• Referrals who are sent the Link REQUIRED to enter the Referral Code.

Steps for the Referrer via Internet Banking

• Login to internet banking
• Choose Layanan Nasabah
• Select Refer a Friend
• Select referrer’s account number
• Input referral data (name and phone number)
• Data successfully stored

Steps for the referral via OCBC mobile

• Click on the link shared by the Referrer.
• The link will direct you to download the OCBC mobile, proceed with downloading OCBC Mobile.
• After downloading OCBC mobile, click on the Register button.
• Click on the button that says Belum Punya Rekening OCBC.
• Choose Buka Layanan Nyala by OCBC.
• The referral MUST enter the Referral Code that has been sent by your referee so they can receive the Refer a Friend program reward.
• The Bank Officer Code is optional and is to be filled if the account opening is assisted by a Seller.
• After entering the Referral Code in the column, a list of Program Codes that the Referral can also follow will appear along with the entered Referral Code.
• Select the Promo Code you want to use.
• Then click Pakai.
• After the Promo Code and Referral Code are filled in, enter the Bank Officer Code (Optional), then click Check to validate that the sales code is correct.
• Choose the type of NYALA Service that suits your needs, then click Ajukan.

• [Q]As a referrer, when can I expect to receive the referral reward?
  [A]: You can expect to receive your reward up to two months since the referral receiver joins Nyala and opens an account.
• [Q]As a Premier Banking customer, am I allowed to refer a friend to join as a Nyala customer?
  [A]: Yes.
• [Q]If I make a cross-segment referral, which reward will I be eligible for?
  [A]: The reward that the referrer will receive is in accordance with the segment and AUM of the referral recipient.
• [Q]As a Nyala customer, can I refer friends through a branch office?
  [A]: Yes, as long as the referral is also made through internet banking.
• [Q]If I refer a friend who already has an OCBC account, will I still qualify for the reward?
  [A]: No, because the Refer a Friend program is only valid if the referral recipient is not an existing OCBC customer.
• [Q]When will this program take place?
  [A]: 1 April - 30 April 2026.
• [Q]Why is the reward I received, calculated differently from what is listed in the program scheme table?
  [A]: in the program eligibility calculation, there is a mandatory validation for fresh fund with the following calculation
  • If the fresh fund amount is smaller than the AUM amount, then tiering reward will be paid based on the fresh fund amont
  • If the fresh fund amount is greater than the AUM amount, then tiering reward will be paid based on the AUM amount