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:
Registration
Initial Deposit Transactions (Purchases on the first day) and Buy Gold
Gold Selling Transactions
Gold Transaction Status
History of Gold Selling Prices and Buying Prices
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
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:
Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
From the Dashboard menu, click Investment Menu
Choose Gold Savings
Click Start
Click the Buy button to register for Gold Savings
Click Verify Now
Select e-KTP
Photo of e-KTP in a well-lit place and adjust it to the frame
Complete the requested data according to your e-KTP data. After that, click I Agree and Click Save
Then, select Selfie + e-KTP
Take a selfie with your e-KTP in a well-lit place and adjust it to the frame
Choose a Pegadaian Branch Office
Choose a Pegadaian to print gold
Click Next
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
Click one by one the Terms & Conditions that must be read and agreed
Click I Have Read & Agree. Please download the file by clicking the Download File button
Click Continue when you have read all the Terms & Conditions
Enter the Transaction PIN
E-KTP successfully entered and is being verified
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:
Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
From the Dashboard menu, click Investment Menu
Choose Gold Savings
Click Get Started
Click the Buy button to make a purchase
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.
Select the account used to buy gold
Click Confirm
Click I've Read & Agree. Please download the file by clicking the Download File button
Enter the Transaction PIN
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:
Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
From the Dashboard menu, click Investment Menu
Choose Gold Savings
Click Get Started
Click the Sell button to make a sale
Input Nominal Gold that you want to sell, can be input in the form of IDR or grams of gold. Click the Sell button
Select the account that is used to accommodate the proceeds from the sale of gold
Click Confirm
Click I've Read & Agree. Please download the file by clicking the Download File button
Enter the Transaction PIN
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
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:
Minimum Purchase per transaction: 0.01 grams
Maximum purchase per transaction: 20 grams
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:
Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
From the Dashboard menu, click Investment Menu
Choose Gold Savings
Click Start
On the Dashboard page, click the Gold Transaction Status menu
Customers can filter each Status: Completed, In Process, Buy Gold, Sell Gold.
Customers can also view receipt details by clicking on one of the gold transaction statuses
Yes, with the following steps:
Make sure the customer has updated the OCBC mobile application via the Playstore or Appstore to the latest version.
From the Dashboard menu, click Investment Menu
Choose Gold Savings
Click Start
On the Gold Savings Dashboard, there is a Gold Price Details table, click See More to see more details
Customers can see gold prices on a daily, monthly or annual basis
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
