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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 Transaksi Online Banking OCBC

JENIS TRANSAKSI MATA UANG
IDR Valas
Transfer Dana Sesama OCBC
ke Rekening Sendiri IDR 2,000,000,000 USD 100,000 (ekuivalen)  / Bulan*
ke Rekening OCBC lain IDR 1,000,000,000 USD 100,000 (ekuivalen) / Bulan*
Transfer Dana ke Bank Lain        
Online IDR 200,000,000/hari
100,000,000/transaksi		    
BI FAST IDR 1,000,000,000/hari
250,000,000/transaksi		    
LLG IDR 200,000,000/transaksi
1,000,000,000/hari		 N/A
RTGS IDR 1,000,000,000/transaksi
1,000,000,000/hari		    
Telegraphic Transfer     USD 100,000 (ekuivalen) / Bulan*
QRIS dan QR Crossborder
Pembayaran Metode Limit Per Transaksi
MPM (Merchant Presented Mode) Rp,10.000.000
Antarnegara (QR Cross Border)
QRIS TUNTAS
 IDR Valas
Transfer IDR 10.000.000/transaksi
IDR 25.000.000/hari		 N/A
Tarik Tunai IDR 10.000.000/transaksi
IDR 25.000.000/hari		 N/A
Setor Tunai IDR 10.000.000/transaksi
IDR 25.000.000/hari		 N/A
QRIS Bayar (MPM) IDR 10.000.000/transaksi
IDR 25.000.000/hari		 N/A
QRIS Bayar (Antarnegara/Cross-border)
Pembayaran IDR 500,000,000 N/A
         
Pembelian IDR 10,000,000 N/A

 

* Limit transaksi per bulan


Jenis-jenis Transfer Dana ke Bank Lain:

  • Online adalah transfer antar bank secara real time, sehingga langsung masuk ke dalam rekening penerima
  • LLG adalah Lalu Lintas Giro merupakan mekanisme transfer antar bank dengan menggunakan fasilitas kliring
  • RTGS adalah Real Time Gross Settlement merupakan mekanisme transfer antar bank secara real time, sehingga langsung masuk ke dalam rekening penerima
  • TT adalah Telegraphic Transfer merupakan mekanisme transfer dana keluar negeri
  • Transfer BI FAST adalah layanan pemindahan dana terbaru yang dikeluarkan oleh Bank Indonesia untuk mendukung pembayaran secara real-time, efisien, aman dan selalu ada 24 jam setiap hari per minggunya.

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
  • 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
  • The BI-FAST Transfer Fee above already includes Bank Indonesia's fee of IDR19*,-/ fund transfer, based on PADG regulation No. 17 of 2023
*The costs do not include 11% VAT

Transaction Limit Online Banking OCBC

TYPES OF TRANSACTION CURRENCY
IDR Valas
OCBC Intrabank Transfer    
To own account
 IDR 2,000,000,000 USD 100,000 (equivalent) / Month*
To other OCBC account IDR 1,000,000,000 USD 100,000 (equivalent) / Month*
Interbank Transfer        
Online IDR 200,000,000/day
100,000,000/transaction		    
BI FAST IDR 1,000,000,000/day
250,000,000/transaction		    
LLG IDR 200,000,000/transaction
1,000,000,000/day		 N/A
RTGS IDR 1,000,000,000/transaction
1,000,000,000/day		    
Telegraphic Transfer     USD 100,000 (equivalent) / Month*
         
Payment IDR 500,000,000 N/A
         
Purchase IDR 10,000,000 N/A

 

* Monthly transaction limit


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 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
Jenis Transaksi Biaya Tarif Normal Biaya Nasabah Premier Biaya Nyala Biaya Nyala Individu Biaya Nyala Bisnis
Transfer Rupiah LLG/SKN melalui IB / MB 2.000 Free Free 10X per bulan Free 50X per bulan Free 50X per bulan
RTGS melalui IB / MB 25.000 Free 10x Per bulan gabungan transaksi melalui IBMB / Cabang 25.000 25.000 Free 50X per bulan
Online melalui ATM / IB / MB 6.500 Free Free 10X per bulan Free 50X per bulan Free 50X per bulan
BI FAST melalui IB / MB 2.500 Free Free Free Free
Transfer Valas Telex melalui IB / MB 75.000 Free 1x per bulan 75.000 75.000 75.000
Provisi melalui IB / MB Free Free Free Free Free
Biaya Full Amount 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 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, 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 20, 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 20, 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 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
  • 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
  • The BI-FAST Transfer Fee above already includes Bank Indonesia's fee of IDR19*,-/ fund transfer, based on PADG regulation No. 17 of 2023
*The costs do not include 11% VAT

Transaction Fee

Transaction Normal Fee Premier Fee Nyala Fee Nyala Individu Fee Nyala Bisnis Fee
Bill Payment            
PLN Pascabayar
 IDR 2,000 Free 2.000 Free 50X per month 2.000
Telkom / Indihome
 IDR 2,500 2.500 2.500
Rumah Zakat
 IDR 3,000 3.000 3.000
Credit Card (kecuali DBS ex-ANZ, Citibank, Danamon, Permata)
 IDR 2,500 2.500 2.500
Pajak DKI
 IDR 5,000 5.000 5.000
PDAM
 IDR 2,500 2.500 2.500
PDAM Kota Tangerang
 IDR 3,000 3.000 3.000
Top Up Go-Pay
 IDR 2,000 2,000 2,000
     
Credit Top Up Purchase        
PLN Prabayar (Token)
 IDR 2,000 Free 2,000 2,000
Telkomsel
 IDR 1,500 1,500 1,500
XL
 IDR 1,500 1,500 1,500
Indosat
 IDR

1,500

1,500

1,500

*if not stated in the Table of Fees above, other payments & purchases are free of charge

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

Transact via OCBC Business (web & mobile version) Giro Umum/Multicurrency Giro Business Smart Giro Business Signature
Balance Information Free
IDR Transfer LLG/SKN 2.000 2.000 1.000
RTGS • ≤ jam 14.00 = 25.000
• > jam 14.00 = 30.000 		• ≤ jam 14.00 = 22.500
• > jam 14.00 = 28.000
BI-FAST 2.500 2.500 2.500
Online 6.500 6.500 6.500
FCY Transfer Telex Giro Umum: 50.000
Multicurrency: 100.000		 100.000 75.000
Provisi Giro Umum: 0.125% from amount (min ekuiv USD 10, max USD 150)
Giro Multicurrency: Free 		Free Free
Full Amount AUD 30, CAD 25, CHF 15*, EUR 20, GBP 20, HKD 300, JPY 5.000 (until the transfer amount JPY 40 mio) + 0,05% from the remaining transfer amount (0,05% x (nominal transfer – JPY 40 mio), NZD 45, SGD 25, USD 25, CNH/CNY 200
*Effective 8 May, the full amount CHF fee changes to CHF 20
Purchase PLN Prepaid 3.000 3.000 3.000
Telkomsel, XL, Indosat 1.500 1.500 1.500
Tri 500 500 500
Data Packages Telkomsel 1.500 1.500 1.500
Indosat 1.500 1.500 1.500
Bill Payment PLN Postpaid 3.000 3.000 3.000
Telkom/Indihome/Transvision 2.500 2.500 2.500
Telkomsel Kartu Halo 2.500 2.500 2.500
PDAM 2.500 2.500 2.500
PDAM Kota Tangerang 3.000 3.000 3.000
PT AETRA Air Tangerang 3.000 3.000 3.000
PDAM Kota Semarang 4.000 4.000 4.000
Rumah Zakat 3.000 3.000 3.000
Kartu Kredit 2.500 2.500 2.500
Pajak DKI 5.000 5.000 5.000
PBB 5.000 5.000 5.000
Top Up GOPAY 2.000 2.000 2.000
Top Up OVO 1.500 (will be deducted from Top Up amount) 1.500 (will be deducted from Top Up amount) 1.500 (will be deducted from Top Up amount)
Top Up ShopeePay/Link Aja/Dana 1.000 1.000 1.000
BPJS Kesehatan 2.500 2.500 2.500
BPJS TK - PU 3.500 3.500 3.500

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.