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Digital Channel

Detailed information on interest and transaction fees for OCBC Digital Channel

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Further Informations

Related information about Digital Channel

Limit transaction Online Banking OCBC

TYPES OF TRANSACTIONS LIMIT TRANSACTION
OCBC Intrabank Transfer
To own account Without Limitation
To other OCBC account IDR1.000.000.000/transaction
IDR1.000.000.000/day
Interbank Transfer**
Online IDR100,000,000/transaction
IDR200,000,000/day
BI FAST IDR250,000,000/transaction
IDR500,000,000/day
LLG/SKN IDR200,000,000/transaction
IDR200,000,000/day
RTGS IDR500,000,000/transaction
IDR500,000,000/day
Telegraphic Transfer The transaction limit is subject to the applicable threshold in accordance with Bank Indonesia regulations, as may be notified by the Bank from time to time.
And
IDR 1,400,000,000/day 
Forex Purchases (Online FX transactions or transfers funded from an IDR denominated account to foreign currency account) Subject to the applicable threshold in accordance with Bank Indonesia regulations, as notified by the Bank from time to time, and calculated based on the cumulative monthly transaction value of each transacting.
Payment Rp500.000.000/transaction
Rp500.000.000/day
Purchase Rp10.000.000/transaction
Rp10.000.000/day
QRIS TUNTAS (Withdrawal cash, Transfer, and Deposit cash)
Withdrawal Cash IDR10.000.000/transaction; or
IDR25.000.000/day
Transfer IDR10.000.000/transaction; or
IDR25.000.000/day
Deposit Cash IDR10.000.000/transaction; or
IDR25.000.000/day
QRIS Pay (MPM/CPM)
QRIS Pay (Domestic/Cross-border)

IDR10.000.000/transaction; or
IDR25.000.000/day*

*limit is a combination of Domestic QRIS, Crossborder & CPM transactions
 

Types of Funds Transfer to Other Banks:

  • Online is an inter-bank transfer in real time, so it goes directly to the recipient's account
  • LLG (Lalu Lintas Giro) is an inter-bank transfer mechanism by using clearing facility
  • RTGS or Real Time Gross Settlement is a real time inter-bank transfer mechanism, so it goes directly into the recipient's account
  • TT or Telegraphic Transfer adalah is transfer activity mechanism for overseas
  • BI FAST Transfer is the latest fund transfer service issued by Bank Indonesia to support real-time, efficient, safe and available payments 24 hours a day per week

Transaction Fee

Transaction Fee
Fund Transfer
    
Interbank Transfer (Online) IDR 6,500
Interbank Transfer (LLG / SKN) – IB / MB only IDR 2,000
Interbank Transfer (RTGS) – IB / MB only IDR 25,000
Interbank Transfer (BI FAST) IDR 2,500
Telegraphic Transfer    
> Telex Fee
 IDR 75,000
> Provision Fee
   Free of Charge
> Full Amount Fee
    
    - USD USD 25
    - EUR EUR 20
    - AUD AUD 30
    - GBP GBP 20
    - HKD HKD 300
    - SGD SGD 25
    - CNY CNY 200
    - CAD CAD 25
    - CHF CHF 15
    - NZD NZD 45
    - JPY JPY 5000

Notes:

  • The SKN/LLG Transfer Fee above already includes Bank Indonesia's fee of IDR1*,-/ fund transfer, based on PADG regulation No. 5 of 2024.
    SKN fund transfer instructions must be sent no later than 1 (one) hour after the Bank receives SKN fund transfer order from Sender Customer, and SKN funds must be forwarded to the Beneficiary Customer no later than 1 (one) hour after the SKN fund settlement instruction is received, based on PBI regulation No. 21/8/PBI/2019.
  • The RTGS Transfer Fees above already include Bank Indonesia's fees of: Time: 06:30 to 10:00 WIB = IDR 6,000* | Time: >10:00 to 14:00 WIB = IDR 15,000* | Time: >14:00 to cut-off = IDR 21,000*, based on PADG regulation No. 8 of 2024.
    RTGS fund transfer instructions must be sent no later than 1 (one) hour after the Bank receives RTGS fund transfer order from Sender Customer, and RTGS funds must be forwarded to the Beneficiary Customer no later than 1 (one) hour after the RTGS fund settlement instruction is received, based on PBI regulation No. 17/18/PBI/2015.
  • The BI-FAST Transfer Fee above already includes Bank Indonesia's fee of IDR19*,-/ fund transfer, based on PADG regulation No. 17 of 2023. BI-FAST system facilitates payment transactions anytime in real-time and is available 24 (twenty four) hours a day, 7 (seven) days a week (24/7), based on PADG regulation No. 17 of 2023.
*The costs do not include 11% VAT

Transaction Limit Online Banking OCBC

TYPES OF TRANSACTIONS LIMIT TRANSACTION
OCBC Intrabank Transfer
To own account Without Limitation
To other OCBC account IDR1.000.000.000/transaction
IDR1.000.000.000/day
Interbank Transfer**
Online IDR100,000,000/transaction
IDR200,000,000/day
BI FAST IDR250,000,000/transaction
IDR500,000,000/day
LLG/SKN IDR200,000,000/transaction
IDR200,000,000/day
RTGS IDR500,000,000/transaction
IDR500,000,000/day
Telegraphic Transfer The transaction limit is subject to the applicable threshold in accordance with Bank Indonesia regulations, as may be notified by the Bank from time to time.
And
IDR 1,400,000,000/day 
Forex Purchases (Online FX transactions or transfers funded from an IDR denominated account to foreign currency account) Subject to the applicable threshold in accordance with Bank Indonesia regulations, as notified by the Bank from time to time, and calculated based on the cumulative monthly transaction value of each transacting.
Payment IDR500,000,000/transaction
IDR500,000,000/day
Purchase IDR10,000,000/transaction
IDR10,000,000/day
 

Types of Funds Transfer to Other Banks:

  • Online is an inter-bank transfer in real time, so it goes directly to the recipient's account
  • LLG (Lalu Lintas Giro) is an inter-bank transfer mechanism by using clearing facility
  • RTGS or Real Time Gross Settlement is a real time inter-bank transfer mechanism, so it goes directly into the recipient's account
  • TT or Telegraphic Transfer adalah is transfer activity mechanism for overseas
  • BI FAST Transfer is the latest fund transfer service issued by Bank Indonesia to support real-time, efficient, safe and available payments 24 hours a day per week
Type of Transactions Standard Fee Premier Banking Fee Nyala Fee Nyala Individu Fee Nyala Business Fee
Transfer Rupiah LLG/SKN via IB / MB 2.000 Free Free 10X /month Free 50X /month Free 50X /month
RTGS via IB / MB 25.000 Free 10x Per bulan gabungan transaksi melalui IBMB / Cabang 25.000 25.000 Free 50X/month
Online via ATM / IB / MB 6.500 Free Free 10X /month Free 50X /month Free 50X /month
BI FAST via IB / MB 2.500 Free Free Free Free
Forex Transfer Telex via IB / MB 75.000 Free 1x /month 75.000 75.000 75.000
Provisi via IB / MB Free Free Free Free Free
Full Amount Fee USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 20, NZD 45, & JPY: Amount ≤ JPY 40 million : JPY 4.500. Amount > JPY 40 million : JPY 4.500 + 0.05% from its advantages USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 20, NZD 45, dan JPY: Nominal ≤ JPY 40 juta : JPY 4.500. Nominal > JPY 40 juta : JPY 4.500 + 0.05% dari kelebihannya* Bebas biaya hanya berlaku untuk transaksi melalui One Mobile, 1x per bulan. USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 20, NZD 45, & JPY: Amount ≤ JPY 40 million : JPY 4.500. Amount > JPY 40 million : JPY 4.500 + 0.05% from its advantages USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 20, NZD 45, & JPY: Amount ≤ JPY 40 million : JPY 4.500. Amount > JPY 40 million : JPY 4.500 + 0.05% from its advantages USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 20, NZD 45, & JPY: Amount ≤ JPY 40 million : JPY 4.500. Amount > JPY 40 million : JPY 4.500 + 0.05% from its advantages
Debit Prima/BCA Free Free Free Free Free

Note:

* Ketentuan Biaya penarikan mata uang rupiah di counter teller Tidak berlaku untuk Tabunganku, Tanda Junior, Multicurrency, GIRO, Business Smart, Business Signature, Tanda Payroll, Simpel , Tabungan syariah dan apabila mesin ATM OCBC NISP Off-line. Biaya Tarik Tunai diberlakukan untuk transaksi penarikan tunai lebih kecil atau sama dengan Rp5.000.000

Notes:

  • The SKN/LLG Transfer Fee above already includes Bank Indonesia's fee of IDR1*,-/ fund transfer, based on PADG regulation No. 5 of 2024.
    SKN fund transfer instructions must be sent no later than 1 (one) hour after the Bank receives SKN fund transfer order from Sender Customer, and SKN funds must be forwarded to the Beneficiary Customer no later than 1 (one) hour after the SKN fund settlement instruction is received, based on PBI regulation No. 21/8/PBI/2019.
  • The RTGS Transfer Fees above already include Bank Indonesia's fees of: Time: 06:30 to 10:00 WIB = IDR 6,000* | Time: >10:00 to 14:00 WIB = IDR 15,000* | Time: >14:00 to cut-off = IDR 21,000*, based on PADG regulation No. 8 of 2024.
    RTGS fund transfer instructions must be sent no later than 1 (one) hour after the Bank receives RTGS fund transfer order from Sender Customer, and RTGS funds must be forwarded to the Beneficiary Customer no later than 1 (one) hour after the RTGS fund settlement instruction is received, based on PBI regulation No. 17/18/PBI/2015.
  • The BI-FAST Transfer Fee above already includes Bank Indonesia's fee of IDR19*,-/ fund transfer, based on PADG regulation No. 17 of 2023. BI-FAST system facilitates payment transactions anytime in real-time and is available 24 (twenty four) hours a day, 7 (seven) days a week (24/7), based on PADG regulation No. 17 of 2023.
*The costs do not include 11% VAT
Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Cek Saldo ATM Bersama/Prima
4.500 Free 4.500 4.500 4.500
Penarikan Tunai Rupiah ATM OCBC            
 Free Free Free Free Free
ATM Bersama/Prima 8.000 Free Free 10X per bulan Free 50X per bulan Free 50X per bulan
Penarikan Tunai Valas ATM OCBC Bank Singapura 10.000 Free Free 10X per bulan Free 50X per bulan Free 50X per bulan
ATM BankCard Malaysia / MEPS 15.000 Free 15.000 15.000 15.000
ATM Visa / Mastercard 30.000 Free 30.000 30.000 30.000
Gagal Transaksi ATM Bersama / Prima 4.000 4.000 4.000 4.000 4.000
Transfer Rupiah Online melalui ATM 6.500 Free Free 10X per bulan Free 50X per bulan Free 50X per bulan
Transfer Valas Biaya Full Amount USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 15, NZD 45, dan JPY: Nominal ≤ JPY 40 juta : JPY 4.500. Nominal > JPY 40 juta : JPY 4.500 + 0.05% dari kelebihannya USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 15, NZD 45, dan JPY: Nominal ≤ JPY 40 juta : JPY 4.500. Nominal > JPY 40 juta : JPY 4.500 + 0.05% dari kelebihannya USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 15, NZD 45, dan JPY: Nominal ≤ JPY 40 juta : JPY 4.500. Nominal > JPY 40 juta : JPY 4.500 + 0.05% dari kelebihannya USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 15, NZD 45, dan JPY: Nominal ≤ JPY 40 juta : JPY 4.500. Nominal > JPY 40 juta : JPY 4.500 + 0.05% dari kelebihannya USD 25, EUR 20, AUD 30, GBP 15, HKD 300, SGD 25, CNY 200, CAD 25, CHF 15, NZD 45, dan JPY: Nominal ≤ JPY 40 juta : JPY 4.500. Nominal > JPY 40 juta : JPY 4.500 + 0.05% dari kelebihannya
Debit Prima/BCA
Free Free Free Free Free

Note:

* Ketentuan Biaya penarikan mata uang rupiah di counter teller Tidak berlaku untuk Tabunganku, Tanda Junior, Multicurrency, GIRO, Business Smart, Business Signature, Tanda Payroll, Simpel , Tabungan syariah dan apabila mesin ATM OCBC Off-line. Biaya Tarik Tunai diberlakukan untuk transaksi penarikan tunai lebih kecil atau sama dengan Rp5.000.000

Transactions via OCBC Business (web & mobile version) Giro Umum/Multicurrency Giro Business Smart Giro Business Signature
Check Balance Free
IDR Transfer Online Transfer IDR 6.500 IDR 6.500 IDR 6.500
SKN/LLG IDR 2.000 IDR 2.000 IDR 1.000
RTGS • ≤ 14.00 = IDR 25.000
• > 14.00 = IDR 30.000		 • ≤ 14.00 = IDR 25.000
• > 14.00 = IDR 30.000		 • ≤ 14.00 = IDR 22.500
• > 14.00 = IDR 28.000
BI-FAST IDR 2.500
Foreign Currencies Transfer OCBC World Transfer (Outgoing Telegraphic Transfer) Provision Fee Specifically for Giro and Tabungan accounts that do not involve buying and selling foreign currencies: 0,125% with minimum and maximum limits:
 
Minimum Limit Maximum Limit
AUD 12 AUD 180
CAD 12 CAD 180
CHF 12 CHF 180
CNH 64 CNH 960
EUR 7 EUR 105
GBP 5 GBP 75
HKD 70 HKD 1050
JPY 1000 JPY 15000
SGD 15 SGD 225
NZD 18 NZD 270
USD 10 USD 150
AED 40 AED 600
THB 350 THB 5250
KRW 14000 KRW 210000
SAR 35 SAR 550

Note: CNH, NZD, AED, THB, KRW &SAR currencies are only available for Tabungan (Savings product)

Giro Multicurrency: Free

 Free Free
Telex Fee Giro Umum: IDR 50.000
Giro Multicurrency: IDR 100.000		 IDR 100.000 IDR 75.000
Full Amount Fee AUD 30, CAD 25, CHF 20, EUR 20, GBP 20, HKD 300, JPY 5.000 (up to transfer nominal of JPY 40 mio) + 0,05% of the remaining transfer nominal (0,05% x (transfer nominal – JPY 40 mio), NZD 45, SGD 25, USD 25, CNH 200, AED 100, THB 800, KRW 35.000, SAR 100
Incoming Telegraphic Transfer Shared Fee AUD 6, CAD 6, CHF 6, EUR 3,5, GBP 2,5, HKD 35, JPY 500, NZD 9, SGD 7,5, USD 5, CNH 32, AED 20, THB 175, KRW 7000, SAR 20
OCBC Network Transfer
  • SGD 15
  • HKD 100
OCBC Business Transaction Data Restore Request IDR 150.000

Notes:

  1. The SKN/LLG fee above already includes Bank Indonesia’s fee of IDR1,-*/ fund transfer, in accordance with the provisions of PADG No. 5 of 2024.
    SKN fund transfer instruction must be sent no later than 1 (one) hour from the time the Bank receives the SKN fund transfer order from the Sending Customer, and the forwarding of SKN funds to the Recipient Customer must be completed no later than 1 (one) hour after the SKN fund settlement instructions are received, in accordance with the provisions of PBI No. 21/8/PBI/2019.
  2. The RTGS fee above already includes Bank Indonesia’s fee of Time: 06.30 to 10.00 WIB = IDR6.000,-* | Time: > 10.00 to 14.00 WIB = IDR 15.000,-* | Time: 14.00 s.d. cut off = Rp21.000,-*, in accordance with the provisions of PADG No. 8 of 2024.
    RTGS fund transfer instruction must be sent no later than 1 (one) hour from the time the Bank receives the RTGS fund transfer order from the Sending Customer, and the forwarding of RTGS funds to the Recipient Customer must be completed no later than 1 (one) hour after the RTGS fund settlement instructions are received, in accordance with the provisions of PBI No.17/18 /PBI/2015.
  3. The BI-FAST fee above already includes Bank Indonesia’s fee of IDR9,-*/ fund transfer, in accordance with the provisions of PADG No. 17 of 2023.
    The BI-FAST system facilitates payment transactions anytime in real-time and is available for 24 (twenty-four) hours a day and 7 (seven) days a week (24/7), based on the provisions of PADG No. 17 of 2023.

*Costs excluding 11% VAT

 

SMS Banking USSD

Bank Fees
Online Transfer IDR 6.500
Purchase of Top-up Credit
•Telkomsel IDR 1.500
•XL IDR 1.500
•Indosat IDR 1.500
Purchase Data Package
•Indosat IDR 1.000
OCBC ATM cash withdrawal IDR 0
Telco Services Rates (IDR)
Indosat OOredoo Hutchison SMS Banking MT Pull MO = 600 2.100
MT Push MT = 1.500 1.500
USSD 2.100
XL SMS Banking MT Pull MO = 444 1110
MT Push MT = 666 666
USSD Financial 666
Non Financial 1.443
Telkomsel SMS Banking & USSD MO 520
MT Non Financial (Postpaid) 1.000
MT Non Financal(Prepaid) 1.000
MT Financial 1.500
Smartfren SMS Banking MT Pull MO = 333 999
  • This fee is rate changed by the telco provider as of December 2024.
  • SMS costs are charged to Customer
  • MT PULL = for example a Customer activated a card, etc. and then gets a reply
  • MT PUSH = when Customer get a reply SMS

**Note:
the above fees are account fees, and are different from the SMS Banking/USSD rates charged by each provider.

Digital Channel Transaction Fees

Biller Administrative Fee
Top Up E-wallet
Go-Pay 2.000
ShopeePay 1.000
LinkAja 1.000
Dana 1.000
Ovo** 2.000
Payment
PLN Tagihan Listrik 3.000
PLN Non Tagihan Listrik 3.000
Telkom/Speedy/Indihome 2.500
Transvision Pascabayar 2.500
Telkomsel Kartu Halo 3.000
BPJS Kesehatan 2.500
BPJS TK - PU 3.500
PDAM Kota Bogor 2.500
PDAM Kota Semarang 4.000
PDAM Kota Surabaya 2.500
PDAM Kota Denpasar 2.500
PDAM Kota Banjarmasin 2.500
PDAM Kota Mataram 2.500
PDAM Kota Tangerang 3.000
PT AETRA Air Tangerang 3.000
PDAM Kab Bandung 3.000
PDAM Kab Bekasi 3.000
PDAM Kab Bogor 3.000
PAM Jaya 2.500
PDAM Kota Bandung 2.500
PDAM Kota Depok 2.500
PAM Kota Batam 2.500
Rumah Zakat 3.000
Kartu Kredit Lainnya 2.500
Pajak DKI Jakarta 5.000
PBB DKI Jakarta 5.000
PBB Kab Semarang 5.000
PBB Kab Kebumen 5.000
PBB Kab Magelang 5.000
PBB Kab Pekalongan 5.000
PBB Kota Banjarmasin 5.000
PBB Kota Medan 5.000
Mobile top up purchase
PLN Prepaid 3.000
Telkomsel 1.500
XL 1.500
Indosat 1.500
Tri 1.500
Smartfren 1.000
Data Package
Telkomsel 1.500
Indosat 1.000

QRIS Tuntas Administrative Fee
Transfer
Transaksi > IDR 100,000 2.500
Transaksi <= IDR 100,000 2.000
Tarik Tunai 6.500
Setor Tunai 5.000
Transfer Online
Transfer 6.500

*Transactions not listed in the table above, including other payments and purchases, are free of charge

*Certain payment and purchase services may not be available across all channels. Please check availability on the channel you are using.

**Deducated from the top up amount