Has your child turned 17? It’s time for them to have their own Nyala account! Both parent and child can receive rewards of IDR 185,000!

Parents (Referrer) will receive rewards if the child opens a Nyala account and places funds in accordance with the following scheme: 

¹The IDR 250,000 fund placement scheme applies only to referrals conducted digitally via OCBC mobile without a staff code. 

Program Terms and Conditions for Referrer:

1. The Program applies to parents who are OCBC Customers or Employees who successfully invite their child to open an OCBC account and join the Nyala OCBC using a referral code available on the Referrer’s OCBC mobile. This program does not apply to parents who are OCBC employees or outsource employees in seller roles (bank personnel responsible for sales and service activities in achieving the Bank’s targets) or Branch Operations roles (bank personnel responsible for processing and monitoring customer transactions).
2. Terms for parents as Referrer:
   1. The Referrer must already be registered with OCBC Nyala service.
   2. The Referrer may refer a maximum of fifteen (15) Referees per year.
   3. The Referrer may participate in the Program through Digital (OCBC Mobile): click here for the guidelines.
      The Referrer is entitled to receive the reward if the Referee enters the referral code during the account opening process.
   4. The reward will be calculated after the Referee places fund in accordance with the applicable program scheme, 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, 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 Referee 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 child as Referee:
   1. The Referee must open an account-based trough Digital (OCBC Mobile): click here for the guidelines. The Referee must enter the Referrer’s referral code in the ‘Referral Code’ section during the account opening process.
   2. The Referee must place funds as fresh funds, either through transfers from another bank or cash deposits at an OCBC Branch.
   3. 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 July 2026 and places an initial deposit of IDR 100,000, followed by an additional deposit of IDR 27,000,000 on 20 August 2026 which is maintained until 31 August 2026, the Referrer will be eligible to receive the reward based on the minimum Total Combined Balance scheme 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. Placement in the Tanda Hadiah reward (Cashback / Exclusive Gifts) must be made with a minimum tenor of three (3) months, and the fund placement must comply with the applicable program scheme as stated in the table above. The Tanda Hadiah product must be opened in the same month as the fund placement. If the Tanda Hadiah product is opened in a different month from the fund placement scheme, the Referrer will receive rewards based on the Total Combined Balance scheme.

   Example: If the Referee opens an account on 25 June 2026 and places funds of IDR 50,000,000, the opens a Tanda Hadiah product of IDR 30,000,000 with a 3-month tenor on 27 June 2026, the Referrer will receive a reward of IDR 275,000. However, if the Tanda Hadiah placement is made on 3 July 2026, the Referrer will receive a reward of IDR 185,000.

Program’s General Terms and Conditions:

1. 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.
2. 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.
3. 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.
4. 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.
5. 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).

Child (Referee) will receive rewards if the open a Nyala account at the nearest OCBC branch or via OCBC mobile, and place funds in accordance with following scheme:

1. Choose your Total Combined Balance placement and earn rewards up to IDR 385,000

   Total Combined Balance	Reward (Net)
   Minimum IDR 2 million - <IDR 25 million	IDR 85,000
   Minimum IDR 25 million - <IDR 50 million	IDR 185,000
   Minimum IDR 50 million - < IDR 200 million	IDR 285,000
   Minimum IDR 200 million	IDR 385,000



2. Open new products* to get reward up to IDR 555,000 (max. 3 products)

   New Product Placement	Reward (Net)
   Minimum IDR 10,000,000 per product	IDR 85,000 / Product
   Minimum IDR 100,000,000 per product	IDR 185,000 / Product

   Notes:

   1. The new product placement reward only applies to customers who have fulfilled a minimum Total Combined Balance of IDR 25,000,000 from the first month of account opening under the Nyala Start+ Program.
   2. Rewards apply specifically to RDN and Credit Card products as stated in the product selection section.

   List of Eligble New Products*:

   No	Product	Description
   1	Time Deposit Special Deposit Rate of up to 5.88% p.a (IDR) *T&C applied	A minimum of IDR 100 million for a 3-month term will receive a reward of IDR 185,000, while a minimum deposit of IDR 10 million for a 3-month term will receive a Toy Story DIY Patch Tote Bag.
   2	Bonds	Minimum IDR 10,000,000
   3	Mutual Funds (exclude Mutual Fund Futures and Money Market Fund)	Minimum IDR 10,000,000
   4	Customer Fund Account (RDN)	Minimum IDR 2,000,000 Reward for RDN is fixed at IDR 85,000
   5	Credit Card	Credit card must remain active for at least 3 months since account opening.  Reward for Credit Card is IDR 85,000.
   6	Gold Savings	Minimum IDR 10,000,000 If the customer fulfils the requirements in the first month, the reward will be paid at the end of the second month.
   7	TAKA (TAKA Bunga/TAKA Flexi/TAKA Fix Installment)	Minimum target fund IDR 10,000,000, 12-month tenor: reward IDR 85,000 Minimum target fund IDR 10,000,000, 12-month tenor: reward IDR 185,000
   8	Tanda Hold (Cashback / Exclusive Gifts)	Minimum IDR 10,000,000, 3-month tenor: reward IDR 85,000 Minimum IDR 100,000,000, 3-month tenor: reward IDR 185,000



3. Open Time Deposit receive exclusive Toy Story DIY Patch Tote Bag:

   Product	Description
   Time Deposit minimum IDR 10 million, minimum 3-months tenor Special Deposit Rate of up to 5.88% p.a (IDR) *T&C applied	Toy Story DIY Patch Tote Bag

Terms and Conditions for Referee:

1. The Program applies to:
   1. New Customers; OR
   2. Existing Customers who, as of 31 December 2025, have no active accounts, hold no other OCBC products except Credit Card, and have not participated in any Nyala acquisition program in 2025.
2. Customers must enter promo code “NEA26” during account opening (New Customers) or joining in this program (Existing Customers).
3. Customers must join Nyala Individual or Nyala Payroll services (not applicable for Nyala Business).
4. All fund placements must be fresh funds (originating from other banks), not internal transfers within OCBC.
   Example: If a customer places IDR 2,000,000 consisting of IDR 1,000,000 from another bank and IDR 1,000,000 internal transfer, the customer is not eligible.
5. The fulfilment of Total Combined Balance requirement and program conditions will be assessed no later than the end of the second month after account opening (New Customers) or joining in this program (Existing Customers), based on the highest Total Combined Balane at each month-end.
   Example: If the Total Combined Balance requirement is met in the first month, the reward will be credited without waiting until the end of the second month.
6. The Total Combined Balance reward is not applied on a multiple basis.
   Example: If a customer places a Total Combined Balance of IDR 100,000,000, the reward will be IDR 285,000, based on the applicable tier of IDR 50,000,000.
7. New product placement requirements must be fulfilled no later than the end of the third month after account opening (New Customers) or joining this program (Existing Customers).
8. New products placement rewards apply only to Customers who meet the minimum Total Combined Balance of IDR 25,000,000 from the first month of account opening (New Customers) or after joining this program (Existing Customers and are limited to a maximum of three (3) products.
9. Toy Story DIY Patch Tote Bag is available at all OCBC branches for account openings assisted by branch staff (while stocks last).
10. Special Deposit Rate of up to 5.88% p.a (IDR) only available on OCBC mobile with minimum IDR 10 million, minimum 3-months or 6-months. Applicable only to customers opening a time deposit at OCBC for the first time. 
11. The reward will be credited to the Customers active account (Tanda 360 Plus IDR or Mudarabah iB IDR) no later than the last working day of the fourth month after account opening (New Customers) or joining this program (Existing Customers).
    Example: If a customer opens an account in May 2026, the Total Combined Balance requirement will assessed until the end of June 2026, and new product placement will be assessed until the end of July 2026. The reward will be credited on 31 August 2026.  
12. For the Gold Savings products, the reward will be credited in the form of Gold Savings balance, calculated on the prevailing market value at the time the reward is credited by OCBC.
13. The account must be active and not blocked/restricted for any reason at the time the reward is credited by OCBC. If the account is not active or is blocked at the time of reward payment, the payment will be made on the last working day of the following month.
14. Each customer is only eligible to participate in one new customer program.
15. This program cannot be combined with other new customer programs, except for Tanda Hadiah Extra Gimmick Disney and /or Young Nyala account opening Program. 

Program’s General Terms and Conditions:

1. 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.
2. 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.
3. 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.
4. 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.
5. 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).