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Interest Rates

Information about Interest rates

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    Suku Bunga Deposito Berjangka

    Prime Lending Rate

    Simpanan - Tabungan

    Tanda 360

    Tanda 360 Plus

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    OCBC NISP Simpel

    Rekening Dana Nasabah

    Tanda Harian

    Tanda Payroll

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    TabunganKu

    Savings - Saving Plan

    Taka Angsuran Tetap

    Taka Bunga

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    Simpanan - Deposito

    Deposito IDR

    Deposito Valas

Regular Interest Rate
Period of Time( Month )
Nominal placement 1 >1-3 >3-6 >6-12
Minimum IDR 8 Million 3.00% 3.00% 3.25% 3.25%

Mobile/ Internet Banking Interest Rate:

Interest Rate (% p.a)
Nominal Placement 14 Days 1 Month 3 Months 6 Months 12 Months
≥ IDR 1 Million - < IDR 500 Million 2,00% 3.75% 4.00% 4.25% 4.25%
≥ IDR 500 Million - ≤IDR 2 Billion 2,00% 3.75% 4.00% 4.25% 4.25%
> IDR 2 Billion - ≤ IDR10 Billion 2,00% 4,25% 4,25% 4,50% 4,75%

* The interest rate is subject to change anytime
* Effective November 30, 2023

Interest Rates Mobile/ Internet Banking 

Currencies Nominal Placement Period
1 Month 3 Month 6 Month 12 Month
USD - (Tetap) ≥ 1,000 - ≤ 10Thousand 2.00% 2.25% 2.50% 2.75%
≥ 10 Th - ≤ 200 Th 2.00% 2.25% 2.50% 2.75%
> 200 Th - ≤ 1Mio 3.00% 3.25% 3.50% 3.75%
SGD - (Berubah) ≥ 1,000 - ≤ 100 Th 1.25% 1.50% 1.75% 2.00%
AUD (Tetap) ≥ 1,000 - ≤ 100 Th 0.00% 0.00% 0.00% 0.00%
CNH (Tetap) ≥ 5,000 - 200 Th 0.15% 0.45% 0.75% 0.75%
≥ 200,000 - ≤ 500 Th 0.20% 0.50% 1.00% 1.00%

Interest Rates

Deposits USD Interest Rate

 

Currencies Nominal Placement Period
1 Month 3 Months 6 Months 12 Months
USD - (Berubah) ≥ 1,000 1.00% 1.00% 1.25% 1.25%
SGD (Tetap) ≥1,000 0.25% 0.25% 0.25% 0.25%
GBP (Tetap) ≥2,000 0.00% 0.00% 0.00% 0.00%
AUD (Tetap) ≥2,000 0.00% 0.00% 0.00% 0.00%
CNH (Tetap) ≥5,000 - < 50,000 0.10% 0.40% 0.50% 0.50%
≥50,000 0.10% 0.40% 0.75% 0.75%
EUR (Tetap) ≥2,500 0.00% 0.00% 0.00% 0.00%
JPY (Tetap) ≥100,000 0.00% 0.00% 0.00% 0.00%
NZD (Tetap) ≥2,000 0.10% 0.10% 0.10% 0.10%

*The interest rate is subject to change anytime
*Effective November 30, 2023

 

Quantitative Disclosure

Data Period: November 2024 Non-Micro & Non-SME Loans Micro & SME Loans KPR/ KPA NonKPR/ Non KPA
Corporate Retail Medium Small Micro
Cost of Fund (HPDK) 4.32% 4.32% 4.32% 4.32% 4.32% 4.32% 4.32%
Overhead Cost 2.59% 3.99% 3.99% 3.99% 7.78% 3.53% 11.22%
Profit Margin 1.34% 0.69% 0.69% 0.69% 2.40% 0.15% 1.96%
Prime Lending Rate (SBDK)
(HPDK+Overhead+Margin)		 8.25% 9.00% 9.00% 9.00% 14.50% 8.00% 17.50%

Qualitative Disclosure

Category Definition of Credit Category Indicator/Criteria of Credit Category
Corporate Loans to Business Entities that meet the criteria of Corporate segment in OCBC. Credit facility above IDR 25 Billion
Retail Loans given to Business Entities or Individual that meet the criteria of Retail segment in OCBC. Credit facility up to IDR 25 Billion

Notes:

  1. SBDK above is used as a basis for determining the credit interest rate that will be charged by the Bank to Customers.
  2. SBDK is determined by Bank based on various factors. including the reference interest rate set by regulators. cost of funds. overhead costs. profit margins. and economic conditions.
  3. SBDK above does not include the calculation of the estimated risk premium component of which depends on the Bank's risk assessment for each debtor or group of debtors.
  4. SBDK for consumer loan other than Housing Loan (non- KPR) does not include for Credit Card and Unsecured Loan (KTA).

The prime lending rate above is effective 26 November 2024 until there are changes and further information.

Historical Prime Lending Rate (SBDK)
Historical Prime Lending Rate (SBDK)

Historical Prime Lending Rate (SBDK)

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Interest rate

Tiering Rate
 < Rp10 Million 0.00% p.a
Rp10 Million < Rp100 Million 0.25% p.a
Rp100 Million < Rp500 Million 1.00% p.a
 Rp500 Million < Rp1 Billion  1.50% p.a
 Rp1 Billion < Rp2.5 Billion  2.00% p.a
 ≥ Rp2.5 Billion 2.25% p.a

 

Interest Rate Information

Level Interest Rate
< SGD 100 0.00% p.a
SGD > 200 0.00% p.a
IDR
< IDR 10 mio 0,00%
IDR 10 mio s/d < IDR 100 mio 0,00%
IDR 100 mio s/d < IDR 500 mio 0,00%
IDR 500 mio s/d < IDR 1 bio 0,00%
IDR 1 bio s/d < IDR 2,5 bio 0,00%
> IDR. 2,5 bio 0,00%
Interest
IDR
0 < IDR 1 mio 0.00%
IDR 1 mio - < IDR 5 mio 0.75%
IDR 5 mio - < IDR 100 mio 1.00%
IDR 100 mio - < IDR 1 Bio 1.00%
≥ 1 Bio 1.50%
USD
USD
0 - < USD 100 0.00%
USD 100 - < USD 1,000 0.10%
USD 1.000 - < USD 100.000 0.15%
≥ USD 100.000 0.20%
SGD
< SGD 200 0.00%
≥ SGD 200 0.00%
IDR
< IDR 10 mio 0,00%
IDR 10 mio s/d < IDR 100 mio 0,15%
IDR 100 mio s/d < IDR 500 mio 0,15%
IDR 500 mio s/d < IDR 1 bio 0,25%
IDR 1 bio s/d < IDR 2,5 bio 0,50%
> IDR 2,5 bio 0,75%

 

Fee & Charges
Currency IDR
Proof of Account Mutation Statement / E-Statement
Initial Deposit IDR 1,000,000
Monthly Average Minimum Balance IDR 100 mio
Fee Belows the Averange Minimum Balance IDR 0 s/d < IDR 200,000 = IDR 20,000
IDR 200,000 s/d < IDR 100 mio = IDR 10,000
Monthly Admin Fee IDR 12.500
Closing fee IDR 100,000
Dormant Fee IDR 15.000/ Month

*For Information about product Tanda Harian, Tanda Reguler & Tanda USD does not apply to new customers. This information only valid for customers who already have the product.

Interest Rate
< IDR 10 mio 0,00%
IDR 10 mio s/d < IDR 50 mio 0,05%
IDR 50 mio s/d < IDR 1 bio 0,10%
≥ IDR 1 bio 0,50%

*For Information about product Tanda Harian, Tanda Reguler & Tanda USD does not apply to new customers. This information only valid for customers who already have the product.

Interest Rate
< IDR 10 mio 0,00%
IDR 10 mio s/d < IDR 50 mio 0,05%
IDR 50 mio s/d < IDR 1 bio 0,10%
≥ IDR 1 bio 0,50%

 

Fee & Charges
Currency IDR
Proof of Account Mutation Statement / E-Statement
Initial Deposit IDR 200,000
Minimum Average Balance (monthly) IDR 200,000
S/C for below minimum average balance (monthly) IDR 10,000
Admin Fee (monthly) IDR 12.500
Closing Fee IDR 50,000
Dormant Fee IDR 15.000/Month

*For Information about product Tanda Harian, Tanda Reguler & Tanda USD does not apply to new customers. This information only valid for customers who already have the product.

IDR
< USD 100 0,00%
USD 100 s/d < USD 1,000 0,05%
USD 1,000 s/d < USD 100,000 0,15%
≥= USD 100,000 0,2%

 

Fee & Charges
Currency USD
Proof of Account Mutation Statement / E-Statement
Minimum Average Balance (monthly) USD 10
S/C for below minimum average balance (monthly) USD 1
Admin Fee (monthly) Free
Closing Fee USD 10
Dormant Fee USD 1/Bulan

*For Information about product Tanda Harian, Tanda Reguler & Tanda USD does not apply to new customers. This information only valid for customers who already have the product.

Total Savings : (IDR)

Tiering Rate
< Rp5 million  0.15% p.a
> Rp5million 0.30% p.a

USD

Tiering Rate
< USD 100 0.00% p.a
USD 100 - USD 1000 0.15% p.a
 > USD 1000  0.15%p.a

SGD

Tiering Rate
< SGD 500 0.00% p.a
> SGD 500 0.00% p.a

 

Interest rate

Tiering Rate
< IDR 500 thousand 0% per year
IDR 500 thousand - IDR 1 million  0.25% per year
> IDR 1 Million.  1% per year 


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Regular Interest Rate
  Period of Time( Month )
Nominal placement 1 >1-3 >3-6 >6-12
Minimum IDR 8 Million  3.00%  3.00%  3.25%  3.25%

Mobile/ Internet Banking Interest Rate:

  Interest Rate (% p.a)
Nominal Placement 14 Days** 1 Month 3 Months 6 Months 12 Months
≥ IDR 1 Million - < IDR 500 Million 2,00% 3.75% 4.00% 4.25% 4.25%
≥ IDR 500 Million - ≤ IDR 2 Billion 2,00% 3.75% 4.00% 4.25% 4.25%
> IDR 2 Billion  - ≤ IDR10 Billion 2,00% 4,25% 4,25% 4,50% 4,75%

* The interest rate is subject to change anytime
* Effective November 30, 2023

** Spesial for tenor of 14 days, min. plavement of IDR5 million

 

Interest Rates Mobile/ Internet Banking 

Currencies Nominal Placement Period
1 Month 3 Month 6 Month 12 Month
USD (Tetap) ≥ 1,000 - ≤ 10Thousand 2.00% 2.25% 2.50% 2.75%
≥ 10 Th - ≤ 200 Th 2.00% 2.25% 2.50% 2.75%
> 200 Th - ≤ 1Mio 3.00% 3.25% 3.50% 3.75%
SGD (Berubah) ≥ 1,000 - ≤ 100 Th 1.25% 1.50% 1.50% 1.25%
AUD (Tetap) ≥ 1,000 - ≤ 100 Th 0.00% 0.00% 0.00% 0.00%
CNH (Berubah) ≥ 5,000 - 200 Th 0.15% 0.25% 0.35% 0.35%
≥ 200,000 - ≤ 500 Th 0.20% 0.35% 0.50% 0.50%

Interest Rates

Deposits USD Interest Rate

 

Currencies Nominal Placement Period
1 Month 3 Months 6 Months 12 Months
USD ≥ 1,000 1.00% 1.00% 1.25% 1.25%
SGD (Tetap) ≥1,000 0.25% 0.25% 0.25% 0.25%
GBP (Tetap) ≥2,000 0.00% 0.00% 0.00% 0.00%
AUD (Tetap) ≥2,000 0.00% 0.00% 0.00% 0.00%
CNH (Tetap) ≥5,000 - < 50,000 0.10% 0.40% 0.50% 0.50%
≥50,000 0.10% 0.40% 0.75% 0.75%
EUR (Tetap) ≥2,500 0.00% 0.00% 0.00% 0.00%
JPY (Tetap) ≥100,000 0.00% 0.00% 0.00% 0.00%
NZD (Tetap) ≥2,000 0.10% 0.10% 0.10% 0.10%

*The interest rate is subject to change anytime
*Effective November 30, 2023

More information click here

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