Growing up means growing smart! Let your kid start with Nyala!

Growing up means growing smart! Let your kid start with Nyala! Get total cashback up to IDR1 Million for parent & kid

Parents are referred to receive reward up to IDR 180K !

Terms and Conditions Refer A Friend Program

• The program does not apply to OCBC Bank Staff with Seller or Operations functions at branches.
• Terms of the Referrer and Referral:
  

  Terms of Referrer

  Terms of Referral

  Referrer is required to share referral code to the Referee by selecting one of the channels below to participate in Refer a Friend program: If via OCBC mobile, then share referral code to the Referral; or If via internet banking, then Referrer is required to fill in the Referral of name and phone number (max data filling 1 month after opening account) If there is a discrepancey in data between Referrer entered via Internet Banking, the Referrer is not eligible to receive the reward. Referrer is must have joined Nyala/Premier Banking services. Participant negligence in entering referral code causes reward to not be credited. Refer a Friend reward will be calculated after the Referral place fund in acordance with the program scheme table above max. 1 month after Referral open an account. Refereer account must be in active and not blocked/restricted for whatsoever reasons at the time the payment of the program reward is made by the Bank. Rewards will be credited no later than 4th week of the following month to Referrer Tanda 360 Plus IDR account after the above requiredments are met. Referrer represents and warrants that it has obtained the consent of the Referral for its personal data to be provided to OCBC for participation in the program and to be contacted by OCBC, and 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.

  Referral is required to open account via OCBC mobile or branch. Referral is required to fill in the referral code based on the channel used and joined Nyala service: If via OCBC mobile, then fill in the referral code in the referral code field; or If via Branch, make sure the phone number entered by Referrer in Internet Banking is the same as the one entered in Bank system when the Referral open an account. The Referral is required to place funds no later than the end of the following month from the month of account opening. The value of Referral fund placement calculated is the total balance of the combined funds.



• The Referrer will only recive max reward 5 Customers Referral per year..
• Reward is only valid if the referrer and the referee have met the terms and conditions of the program.
• OCBC at its discretion and consideration, has the right to suspend or cancel the reward if there is an indication of fraud, impropriety or violation of these terms and conditions or is included in the Bank's fraud list.
• For further information, contact Tanya ICBC 1500-999 or visit the OCBC website at www.ocbc.id
• The Terms and Conditions of this Program have been adjusted in accordance with the provisions of statutory regulations, including the regulations of the Financial Services Authority (OJK).
• OCBC has the right and authority to modify, add, and/or reduce these Terms and Conditions with notification through media deemed appropriate by the bank, considering the legal regulations and legislation in force.

A child who has grown up can get a reward of up to IDR 1,028 Million

Register Nyala by visiting the nearest PT Bank OCBC NISP Tbk (”OCBC”) branch or via OCBC mobile.

1. Choose total combined fund balance to get reward up to IDR 380,000
   

   Placement	Reward Cashback (Net)
   Minimum Total Combined fund balance IDR 2 Million	IDR 80.000
   Minimum Total Combined fund balance IDR 25 Million	IDR 180.000
   Minimum Total Combined fund balance IDR 50 Million	IDR 280.000
   Minimum Total Combined fund balance IDR 200 Million	IDR 380.000



2. Open new product* to get reward up to IDR 540,000 (max. 3 products)
   

   Placement	Reward Cashback (Net)
   New product placement min. IDR 10 Miilion	IDR 80.000 / Product
   New product placement min. IDR 10 Miilion	IDR 180.000 / Product

   
   

   *Reward for new product only applicable for minimum total combined fund IDR 25 Million

   
   

   Choice of products included in the Nyala Banyak Cuan Program (“Program”):

   No	Product	Information
   1	Time Deposit	Min. IDR 10 million tenor min. 3 months
   2	Current Account	Average daily balance min. IDR10 Million. Average daily balance min. IDR10 Million. If the Customer meet the criteria in the first month, reward will be paid at the end of second month.
   3	Bonds	Min. IDR 10 million
   4	Mutual Fund (not included Mutual Fund Futures and Money Market Fund)	Min. IDR 10 million
   5	RDN	Min. IDR 5 million
   6	Nyala Credit Card	Nyala Credit Card with an active status up to the 3rd month since account opening
   7	Gold Savings	Min. IDR 10 million If the Customer meet the criteria in the first month, reward will be paid at the end of second month.



3. Make transaction via OCBC mobile and OCBC Debit Card, get reward up to IDR 36,000/month**
   

   Type of Transaction	Reward (not applied to multiples)
   Transaction with OCBC Debit Card min. IDR 100K (transaction on merchant online / offline)	IDR 18.000
   Top Up and Pay via OCBC mobile min. IDR 100K (not included top up e-money)	IDR 18.000

   
   

   ** Reward for transaction only applicable for minimum total fund IDR 25 Million and valid for 3 months form the account opening month.

Terms & Conditions Nyala Banyak Cuan Program:

1. Valid for:
• New Customers, OR
• Existing Customers provided that as of December 31, 2024, all OCBC accounts have been closed, and they do not hold any other products except for OCBC Credit Cards.
2. Customers must enter NEA25 promo code.while open an account.
3. Customer must registered Nyala or Nyala Payroll services (not applicable for Nyala Bisnis).
4. Funds and product placement must originate from other bank (Fresh Funds) and cannot be transferred from other OCBC accounts.
   Example: Customer join with total combined fund balance IDR 2 Million and fund placement IDR 1 Million from other bank and overbooking IDR 1 Million. Therefore, Customer is not eligible because the funds are not fresh funds.
5. Fulfillment of general requirements including promo code, fresh fund and total combined fund balance must be performed at the latest within the end of 2nd month since account opening
   Example: If the first month Customer has fulfilled the requirements for the Total Combined Balance, then Total Combined Balance reward will be paid immediately without waiting for the end of the second month.
6. Reward for total combined fund balance placement does not apply to multiples.
7. Fulfilment of new product placement requirement must be performed at the latest within the end of the 3rd month since account opening, max 3 products.
8. Reward for new product placement is only valid for total combined fund balance min. IDR 25 Million and applies to max. products.
9. Fulfilment of transaction requirement can be done until at the end of the 3rd month since account opening and only applies for min. total combined fund balance IDR 25 Million during transaction month
10. The Program Reward (cashback) will be credited to the customer’s account no later than the 4th week of the third month after account opening with the following crediting details.
    Specifically for the Gold Savings product, product rewards will be credited in the form of a Gold Savings balance.
    
    Example: If a customer opens an account in October 2025, the fulfilment of total combined fund balance must be performed within the end of November 2025 and new product placement must be performed within the end of December 2025. Cashback will be credited within the 4th week of January 2026.
11. Customers must ensure that the account is active and not blocked/restricted for any reasons at the time the payment of the program reward is credited by the Bank. If at the of reward payment the account status is not active or is blocked, the payment will be made in the 4th week of the following month.
12. Each Customer is allowed only 1 (one) New Customer program.
13. This program cannot be combined with other new customer programs.
14. OCBC has the right to not processing/cancelling the provision of cashback to Customers who, based on OCBC’s assessment, are indicated to have committed fraud on account opening and/or included in OCBC’s fraud list.
15. For further information, contact Tanya ICBC 1500-999 or visit the OCBC website at www.ocbc.id
16. The Terms and Conditions of this Program have been adjusted in accordance with the provisions of statutory regulations, including the regulations of the Financial Services Authority (OJK).
17. OCBC has the right and authority to modify, add, and/or reduce these Terms and Conditions with notification through media deemed appropriate by the bank, considering the legal regulations and legislation in force.

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)