Forward Linked Deposit

Forex investment solutions with competitive interest rate

Competitive Returns

Returns are higher than conventional deposits

Short Term

The period starts from 1 week

100% Principal Protection

Safer investment with principal placement protection at maturity date

Other Advantages


12 Currency Options

Choose a currency according to investment needs

    Terms and Conditions

    Interest and Fee

    Other Information


    Product Information Summary

Terms and Condition
1. For 1st transaction, customer must receive, understand and submit the following documents:
 • Call Report (of the meeting between customer and RM)
 • Risk Profile Questionnaire
 • Term and Condition of FLD Product
 • Product Highlight Sheet FLD
2. For next placement, customer will only receive Indicative Term sheet and only require fulfilling the FDL placement form
3. Currency of FLD placement can only be done accordingly to the currency available at Bank OCBC NISP
4. IDR currency is not allowed for FLD placement
5. Minimum placements:
 • 10.000 (EUR, GBP, AUD, NZD, CHF, CAD, SGD)
 • 100.000 (CNH)
 • 1.000.000 (JPY)

Our Partner

The rate of return paid is fixed in accordance with the agreement in the transaction contract and is paid when due


1. There is no placement fee for this product.

2. Costs due to Early Termination if it occurs. Basically, FLD disbursement before maturity is not allowed. If FLD disbursement before maturity upon Customer's request cannot be avoided, the Customer is obliged to provide compensation to the Bank for any losses, costs, bills and or expenses that may occur as a result of the accelerated disbursement, including funding costs and losses or costs incurred as as a result of termination and remaking of related trading positions in full and will pay administrative fees and other claims that may be charged to the Bank (all hereinafter referred to as "Termination Fees Before Time")

Other Information
I. Product Description
Forward Linked Deposit (FLD) is a short-term investment instrument (Structured Product) in the form of a combination of time deposits and foreign exchange swap instruments

II. Product Simulation

• On transaction date, customer must provide Good Fund
• On Placement date, customer’s fund in placement currency (FLD currency) will be switch to FLD Counter Currency (pair currency) using an exchange rate agreed at the beginning of the transaction in accordance with the placement date of the currency
• Customer’s fund in the FLD Counter Currency will be placed as time deposits during the contract period agreed upon
• On maturity date, principal and interest in FLD Counter Currency will be switch back to placement currency (FLD Currency) using an agreed exchange rate for Foreign Exchange Forward transaction in the beginning of transaction
Example of FLD Transaction:

FLD Currency AUD
FLD Counter Currency USD
Tenor 1 month (31 days)
Nominal AUD 100,000
Spot Rate 0.7100
FLD interest 1.75%
Transaction Date 12 Feb 2020
Placement Date 14 Feb 2020
Maturity date 16 Mar 2020

On maturity date, customer will receive:
 = AUD 100,000 + (100,000 x 1.75% x 31/365)
 = AUD 100,148.63 gross
 = AUD 100,118.90 (nett)

III. Risk of Product and Other Information
1. Liquidity Risk
FLD cannot be disbursed before maturity. If the disbursement happens before the maturity, Bank will not guarantee the principal return of 100%
2. FLD cannot be rolled over, so each placement is a new placement; and
3. FLD cannot be used as a credit guarantee

IV. Facility / Channel
Transactions can be done at all Bank OCBC NISP branch offices

V. Complaint Procedure
Customers can submit complaints related to products through:
 1. Call OCBC NISP di 1500 – 999 (domestic call) atau 021-26506300 (overseas call)
 2. Contact Relationship Manager (RM)
 3. Email to
 4. Click

1. You hereby acknowledge that you have read, received explanation and understood the product and/or service as specified in this Summary of Product and/or Service Information (“Summary”) and have informed, understood and accepted any consequences of product and/or service including all inherent benefits, risks and costs.

2. This Summary is intended only as an information and does not aim to be a basis for investment decisions. Past performance is not an indication of future performance. Any proposal documents for investment related products, must be studied further. Any projections, opinions or other statistical facts displayed in this information are only an indication and are not guaranteed in any form. You must determine your own decisions in accordance with the needs and investment strategies by considering legal, tax and accounting issues. Based on good intentions and moral responsibility, Bank OCBC NISP and each of its employees are not responsible for any direct or indirect losses, or as a consequence arising from the use of and dependence on this information in an investment decision.

3. Bank OCBC NISP reserves the right to reject your product and/or service application if it does not fulfil the requirements and the application of laws and regulations.

4. You have to carefully read this Summary and contact Bank OCBC NISP if there are further queries in respect of the product and/or service contained in this Summary.

5. This Summary has been adjusted to be in accordance with the provisions of regulations including the regulations of Financial Service Authority.

This Summary is made in English and Bahasa Indonesia, and in the event of inconsistency between the version, Bahasa Indonesia shall prevail.

PT Bank OCBC NISP Tbk terdaftar dan diawasi oleh OJK dan merupakan peserta penjamin LPS


List of OCBC NISP Awards in keeping the quality and trust for the Customer

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Berinvestasi dengan Forward Linked Deposit

Popular questions about Forward Linked Deposit

FLD is a short-term investment instrument (Structured Product) in the form of a combination of time deposits and foreign exchange swap instruments

100% principal protected with a relatively short period of placement and more competitive returns

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