Join Nyala Bisnis, and get interest rate up to 5% per year!

Manage business funds with Nyala Bisnis and get interest rate up to 5% per year!

Terms and Conditions of getting Bonus Interest:

1. Program period 1 September 2023 - 31 December 2024
2. Bonus Interest applies to Individual Customers of OCBC who participate in Nyala Bisnis services.
3. Banking activities that get Bonus Interest are as follows:

   No	Activity	Activity Detail		Bonus Interest (% per year)
   1.	Spend	Transaction via OCBC mobile application: Pay & Buy; Top Up e-Wallet (Top Up E-Money); scan QRIS Debit Card Transaction: via EDC or virtual debit card (VDC). Total accumulated transaction points a) & b) minimum 6 times in 1 month. Valid for debit fund source account (Savings/Current Account) in 1 (one) Customer's CIF.	6 (six) times per month	1.50%
   2.	Growth	Details of the calculation of the average balance growth of Savings: Increase the growth of the average savings balance per month in 1 (one) CIF Customer. The balance position for the basis of calculation (baseline) is the total savings balance in 1 (one) Customer CIF on June 30, 2024. All Savings balances that are calculated are conventional Savings in IDR and accounts in active status (for multicurrency accounts only IDR balances are calculated). Excludes TAKA (of any type) and retained balance/on-hold balance. Details of bonus interest: Growth of the average balance of savings per multiple of IDR 25 million (twenty five million rupiah) gets an interest bonus of 0.75% per year (maximum interest bonus of 3.00% per year).	Minimum total growth of average Savings balance IDR 25 million per month	0.75% up to max. 3,00%
   3.	Merchant EDC dan/atau QRIS	Installation of EDC and/or QRIS (for new Customers who do not yet have EDC and/or QRIS cooperation with the Bank) Using EDC and/or QRIS Bank Services, with total accumulated transactions in 1 (one) month of IDR 50 million (fifty million rupiah). Holding fund account / settlement fund account through OCBC in the same 1 (one) Customer CIF.	Minimum total accumulated transactions IDR 50 million per month	1.50%
   4.	Booster	Special for Female Customers, who carry out at least 2 (two) out of 3 (three) activities get additional bonus interest.	-	0.50%

4. Terms of Savings Bonus Interest are as follows:
   1. Maximum Bonus Interest per month is a maximum of 5.00% per year. (If the Customer fulfills all transaction activities with a total bonus interest of >5.00% per year, it will be stamped / given max. 5.00% per year).
   2. The balance calculated for interest is the average balance in 1 (one) CIF of the Customer in a conventional Savings account (calculation of the average balance from the beginning of the month to the end of the month is a maximum of IDR 1,000,000,000 (if the average balance of the Customer is above IDR 1,000,000,000, the Interest Bonus will be given for the balance of the first IDR 1,000,000,000, with a divisor of the number of full days in the month of 30/31 days). Excludes TAKA (of any type) and retained balance/on-hold balance.
   3. If the Customer has more than 1 (one) Savings account in 1 (one) CIF of the Customer, then the account given bonus interest to 1 (account) with the highest average balance in that month.
5. Program is only valid for conventional savings excluding sharia savings / TAKA (any type), retained balance / held balance.
6. Customers still get savings interest (counter rate) from the Savings account according to the applicable counter interest rate provisions.
7. If the Customer stops or changes the Nyala Bisnis service, then the transaction made by the Customer in that month becomes ineligible (invalid) to get the Interest Bonus.
8. Crediting Bonus interest is done no later than the end of the following month (M+1).
   Example: Mrs. Reni conducts transaction activities according to the provisions during July 2024. Then Ms. Reni will get the Interest Bonus credited to her savings account maximum at the end of August 2024 (and so on).
9. Bonus Interest Calculation Simulation:
   Example 1
   CIF Customer Abxxxxx (Female) – Registered Nyala Bisnis Services
   Period (Aug 2023) : 31 days number of days in 1 month 

   Savings Account (exclude TAKA &; hold Balance	Average Balance 1-31 Aug 2023
   Account 1 : 123xxxxxxx	IDR 1.5 billion
   Account 2 : 456xxxxxxx	IDR 20 million

   Activity	Eligible	Detail	Additional Interest Indications	Bonus Interest*	Bonus Interest (Rp)
   1	Yes	7x Transaction via OCBC mobile	1,50%	5,00%(cap) (Note: Total Bonus Interest)	IDR 1 Billion x 5,00% x 31/365 = IDR 4.246.575 gross
   2	Yes	Top up savings balance: Total average growth in 1 month: IDR 85 Million	2,25% (0,75% x 3)
   3	Yes	Total accumulated EDC: IDR 70 million	1,50%
   4	Yes	Do 3 activities	0,50%

   ^*Average balance given additional interest, cap IDR 1,000,000,000
   ^**The maximum total additional interest that can be given to the Customer is a maximum of 5.00% p.a.

   Example 2
   CIF Customer CDxxxxxx (Male) – Registered Nyala Bisnis Service
   Period (Aug 2023) : 31 days Number of days in 1 month

   Savings Account (exclude TAKA &; hold Balance	Average Balance 1-31 Aug 2023
   Account 1 : 123xxxxxxx	IDR 100 million

   Activity	Eligible	Detail	Additional Interest Indications	Bonus Interest*	Bonus Interest (Rp )
   1	Yes	7x Transaction via OCBC mobile	1,50%	2,25%	IDR 100 million x 2,25% x 31/365 = IDR 191.096 gross
   2	Yes	Top up savings balance: Total average growth in 1 month: IDR 35 Million	0,75% (0,75% x 1)
   3	No	-	-
   4	No	Do 3 activities	-

   ^*Average balance given additional interest, cap IDR 1,000,000,000
   ^**The maximum total additional interest that can be given to the Customer is a maximum of 5.00% p.a.

10. The Bank, at its discretion, has the right to suspend or cancel the reward if there are indications of fraud, irregularities, or violations of these terms and conditions.
11. The Bank has the right and authority to change, add, and/or reduce these terms and conditions by notification through media deemed good by the Bank by taking into account the applicable laws and regulations.
12. For more information, please visit your nearest branch or contact TANYA OCBC 1500-999.