Tabungan Emas

Digital gold savings with physical gold guaranteed 100% for a safer and more stable investment.

Affordable

Saving gold starts from IDR 10,000

Safe

Physical gold guaranteed 100% by Pegadaian

Easy

Buy and sell gold online at OCBC mobile

Other Advantages

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Stable

Protected from inflation and deflation

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Low Risk

Has no depreciation value in the long term

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Printable

Gold can be printed into gold bars at Pegadaian

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Get gold balance of up to IDR 250K.

More info click: web.ocbc.id/bonusemas 

    Other Information

    Product

    Registration Method

    Product Information Summary

    Terms and Conditions

  • Gold Savings are Sharia-based products and services that enable customers to carry out gold investment activities digitally through the OCBC mobile.
  • Affordable gold savings starting from IDR 10,000.
  • The Gold Savings balance is reflected in the grammatical form of gold and the rupiah value.
  • Gold Savings is safe for investment because physical gold is 100% guaranteed at Pegadaian.
  • Buy and sell gold at competitive prices.
  • Sales Channel : OCBC mobile
  • How to Apply : Account Opening via OCBC mobile
  • Initial Deposit: Minimum IDR 10,000 / Maximum 10 grams
  • Services provided:
    • Registration and Purchase of Gold
    • Gold Topup
    • Sell Gold
    • Gold Transaction Status
  • Terms of top up : Min. IDR 10,000 / Max. 100 grams (per day) or Max IDR 50,000,000 (per transaction)
  • Minimum sales: 0.01 grams
  • Custody Fee (annual): Free First Year | Eqv. Rp. 30,000 the second year, etc.
  • Book Printing Fee: IDR 10,000 (at Pegadaian Outlets)
  • Account Closing Fee: IDR 30,000 (at Pegadaian Outlets)
  • Print Gold: Minimum 1 gram | Maximum 100 grams
  • Sedimentation Balance: 0.05 grams
  1. Customers who wish to have a Gold Savings service must first have:
    1. Bank OCBC's account in Rupiah, as a relationship account ("Relations Account").
    2. OCBC mobile.
  2. KYC process

    For data purposes by the Pegadaian, at the time of registration and for the first time transaction, the Customer is required to verify the Customer’s data with the following steps:

    1. E-KTP
      Upload E-KTP, Input NIK, full name, biological mother's name, place of birth, date of birth, gender, and address.
    2. Selfie photo + E-KTP
      Upload a selfie photo with an E-KTP
    3. Selection of Pegadaian Outlets
      Customers are required to choose Pegadaian Outlets to collect passbooks and physical gold if the customer wants to print a passbook or print physical gold. This Pegadaian Outlet selection is permanent and cannot be changed at a later date unless otherwise determined by the Pegadaian.

Tabungan Emas

Product Information Summary
Product Information Summary

Product Information Summary

Tabungan Emas Terms and Conditions
Tabungan Emas Terms and Conditions

Tabungan Emas Terms and Conditions

Tabungan Emas

OCBC Tabungan Emas Terms and Conditions
OCBC Tabungan Emas Terms and Conditions

OCBC Tabungan Emas Terms and Conditions

Pegadaian Tabungan Emas Terms and Conditions
Pegadaian Tabungan Emas Terms and Conditions

Pegadaian Tabungan Emas Terms and Conditions

Tanya OCBC

Gold Savings is a service owned by Pegadaian that is in the OCBC mobile application through a collaboration between Bank OCBC and Pegadaian which allows customers to carry out gold investment activities electronically through the OCBC mobile application.

Until now, there are several features that can be used by the Customer, namely:

  1. Registration
  2. Initial Deposit Transactions (Purchases on the first day) and Buy Gold
  3. Gold Selling Transactions
  4. Gold Transaction Status
  5. History of Gold Selling Prices and Buying Prices

  1. Customers who can use the Gold Savings service are existing customers of Bank OCBC who have relation accounts in Rupiah, both Sharia accounts and Conventional Bank OCBC
  2. Have registered on the buy menu when the customer first transacted at the Gold Savings contained in the OCBC mobile application.

Related to point 1 above, for customers who use multicurrency accounts (Tanda 360 Plus and Tanda 360 Plus Employees), only Rupiah accounts can be used for transactions on the Gold Savings service.

Yes, with the following steps:

  1. Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
  2. From the Dashboard menu, click Investment Menu
  3. Choose Gold Savings
  4. Click Start
  5. Click the Buy button to register for Gold Savings
  6. Click Verify Now
  7. Select e-KTP
  8. Photo of e-KTP in a well-lit place and adjust it to the frame
  9. Complete the requested data according to your e-KTP data. After that, click I Agree and Click Save
  10. Then, select Selfie + e-KTP
  11. Take a selfie with your e-KTP in a well-lit place and adjust it to the frame
  12. Choose a Pegadaian Branch Office
  13. Choose a Pegadaian to print gold
  14. Click Next
  15. Click Save if the data entered is correct. If you want to edit/view the selected data, please click the part you want to edit/view again
  16. Click one by one the Terms & Conditions that must be read and agreed
  17. Click I Have Read & Agree. Please download the file by clicking the Download File button
  18. Click Continue when you have read all the Terms & Conditions
  19. Enter the Transaction PIN
  20. E-KTP successfully entered and is being verified
  21. Wait up to 3 working days for verification:
    • If the data verification is successful, a push notification will appear on the cellphone and the customer can purchase gold
    • If data verification fails, a push notification will appear on the cellphone. The customer can re-verify with a flow similar to the initial registration again

Custody fees. For this fee, in the first year it is not charged by the Pegadaian. Fees will be charged for the following year in accordance with the rules that apply at Pegadaian

Yes, with the following steps:

  1. Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
  2. From the Dashboard menu, click Investment Menu
  3. Choose Gold Savings
  4. Click Get Started
  5. Click the Buy button to make a purchase
  6. Input the amount of gold you want to buy, you can input it in the form of IDR or grams of gold. Click the Buy button.
  7. Select the account used to buy gold
  8. Click Confirm
  9. Click I've Read & Agree. Please download the file by clicking the Download File button
  10. Enter the Transaction PIN
  11. The purchase was successful and a Success receipt, push notification, and inbox notification appeared

Yes, here is the minimum or maximum purchase limit for gold:

  • Minimum Initial Deposit: IDR 10,000
  • Maximum Initial Deposit (Accumulated Purchases on the First Day): 10 grams

To make purchases on the second day and beyond, follow the flow similar to that of Initial Deposit. The difference is only in the limit of buying gold transactions.

Yes, here is the minimum or maximum gold purchase limit on the second day and so on:

  • Minimum Purchase per transaction: IDR 10,000
  • Maximum Purchase per transaction: IDR 50,000,000
  • Maximum Purchase per day: 100 grams

Yes, with the following steps:

  1. Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
  2. From the Dashboard menu, click Investment Menu
  3. Choose Gold Savings
  4. Click Get Started
  5. Click the Sell button to make a sale
  6. Input Nominal Gold that you want to sell, can be input in the form of IDR or grams of gold. Click the Sell button
  7. Select the account that is used to accommodate the proceeds from the sale of gold
  8. Click Confirm
  9. Click I've Read & Agree. Please download the file by clicking the Download File button
  10. Enter the Transaction PIN
  11. The sale of gold was successful and a receipt in Processing appeared. NOTES: Funds from the sale of gold do not go directly to the account and require 1-3 days for the process of disbursing funds to the account
  12. If the funds from the sale have entered the customer's account within 1-3 working days, the receipt in Processing will automatically change to Success and the customer will also receive an inbox notification & push notification

Yes, here are the minimum or maximum gold purchase limits for the second time and so on:

  1. Minimum Purchase per transaction: 0.01 grams
  2. Maximum purchase per transaction: 20 grams
  3. Maximum purchase per day: 100 grams

Mandatory, equal to 0.05 grams of gold so that the account does not become dormant

Yes, with the following steps:

  1. Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
  2. From the Dashboard menu, click Investment Menu
  3. Choose Gold Savings
  4. Click Start
  5. On the Dashboard page, click the Gold Transaction Status menu
  6. Customers can filter each Status: Completed, In Process, Buy Gold, Sell Gold.
  7. Customers can also view receipt details by clicking on one of the gold transaction statuses

Yes, with the following steps:

  1. Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
  2. From the Dashboard menu, click Investment Menu
  3. Choose Gold Savings
  4. Click Start
  5. On the Gold Savings Dashboard, there is a Gold Price Details table, click See More to see more details
  6. Customers can see gold prices on a daily, monthly or annual basis
  7. Click View By Weight to view by weight. Customers can see Gold Prices by weight

Can. The customer can print gold by coming to the Pegadaian Outlet chosen by the customer

Yes, the minimum number of grams that can be printed is according to what is available at the Pegadaian

Can't

Gold in the Gold Savings product is not guaranteed by the Deposit Insurance Corporation (LPS) because it is not a bank product.

For the current OCBC mobile version, it still doesn't work

Customers can contact Bank OCBC through the Contact Center to find out data that is not appropriate

The customer re-registers
Customers can contact Bank OCBC through the Contact Center to find out data that is not appropriate

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