Savings that can only be withdrawn at a certain time based on the contract

Smaller Installment 

Buying a home is not longer a burden

Low Down Payment

Own a house faster with a down payment start from 5% for the 1st house

Tenor of up to 25 years

Choose a term of up to 25 years

Other Advantages


Saving Safely

Deposits are safe because it can only be disbursed the account holder

    Terms & Condition

    Nisbah & Biaya


  • Customer 17 years old or married (for individuals)
  • Fill out the Opening Form
  • Have a KTP and NPWP card
  • For Indonesian Citizens and Foreign Citizens
  • Minimum initial deposit of IDR 8 Million

Company Customers:

Company Identity
  • NPWP / Reference / SK Minister of Cooperatives (for cooperatives)
  • Deed of Establishment, Deed of Amendment (if any)
  • SK Menkumham (PT, Foundation, PMA), Domicile Decree / SITU,
  • SIUP, TDP (TDY for Foundations), Covernote Notary
  • District Court Registration (for CV and Firm)
  • BKPM Approval Letter (for PMA)
  • Permit from the competent authority (for the Foundation)
Changes to the Provisions for Profit Sharing Payment for Closing iB Deposits before Maturity:
Bank OCBC's Sharia Business Unit applies changes to the provisions on the withdrawal of iB Deposits before they break due. The provisions in question are as follows:
  1. Customers who close iB Deposits before maturity (break) are not given profit sharing in the current month for the placement of the iB Deposits. This provision applies to the placement and extension of iB Deposits since May 13, 2019.
  2. Additional General Terms & Conditions regarding product rules in point 1 must be signed by the Customer when opening an iB Deposit account.
  3. Changes to the terms and conditions charged for withdrawing iB deposits before maturity, which are as follows:
    • For IDR iB Deposits:
      Withdrawing IDR iB Deposits before maturity is subject to a fee of IDR 100 thousand for each nominal multiple of IDR 10 million
    • For iB USD Deposits:
      Withdrawals of iB USD Deposits before maturity are subject to a fee of USD 10 for each nominal multiple of USD 1 thousand
    • Changes to the terms and conditions for withdrawing the iB Deposit before maturity, both in IDR and US Dollar, will take effect on July 17, 2019.
  4. The above provisions apply to opening iB Deposit accounts, both through Sharia Branch Offices and Sharia Service Offices, as well as opening iB Deposit accounts through the Internet / Mobile Banking Bank OCBC.

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Tanya OCBC

Written agreement between the Bank and other parties that contains the rights and obligations of each party in accordance with Sharia Principles.

The principles of Islamic law in banking activities are based on fatwas issued by institutions that have the authority to determine fatwas in the field of sharia.

The distribution of profit of Bank Syariah to the Deposit Customers is based on the agreed ratio every month. Revenue sharing depends on the amount and duration of deposits and bank income for the period. The amount of profit sharing is calculated based on bank revenue so that the customer must obtain profit sharing and not lose the principal savings.

The board is tasked with giving advice and advice to the Directors and overseeing the activities of the Sharia Business Unit to be in accordance with Sharia Principles.

Transaction of fund investment from the owner of the fund (shahibul mal) to the fund manager (mudharib) to carry out certain business activities in accordance with Sharia Principles, with the distribution of results of business between the two parties based on a mutually agreed ratio.

Funds or goods deposit transaction from the owner to the depositor of funds with an obligation for the depositing party to return the funds or goods deposited at any time or in accordance with the agreement.

Buying and selling transactions of goods at the acquisition price plus the margin agreed upon by the parties, where the seller informs the buyer in advance of the acquisition price.

Agreement of representation between one party to another. Wakalah is usually applied for making Letter of Credit, for purchasing goods abroad (L/C Import) or forwarding requests

Collaboration between two or more parties having funds and/or goods to carry out certain businesses in accordance with Sharia Principles by sharing the results of operations in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio.

Collaboration between two or more owners of funds and/or goods to carry out certain businesses in accordance with Sharia Principles with the distribution of operating results in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio, then one party gradually buys the other party's capital ownership, so that at the end of the cooperation period one party has the entire capital (100%).

The amount of profit agreed between the Bank and the Customer for financing transactions with a sale and purchase agreement (murabahah). Financing margins are fixed (fixed) unchanged throughout the term of the financing.

Share of profit sharing between the Bank and the Customer of funding and financing transactions with profit sharing agreements (mudharabah and musyarakah).

Lease transactions of goods and/or services between the owner of the object for lease, including ownership of the right to use the object for rent and the lessee to get compensation for the leased object.

Borrowing transactions without compensation for the obligations of borrowing party to repay the loan principal in one lump sum or installments within a certain period.

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