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Savings with Sharia principles are managed based on the Wadiah contract

High Points Reward

Save more get higher points

Many Prize Choices

Keep saving, gifts keep coming

Simple Requirement

Only register with KTP and initial deposit

Other Advantages


No Admin Fee

Saving without worrying about a reduced balance


Point and Super Reward Point

Get special prizes by exchanging reward points and super reward points


Easy Cash Withdrawal

Cash withdrawal at any time through the available ATM machines


Easy Access Transaction Info

Access transaction info via Internet & Mobile Banking, SMS and Email


Easy Transaction

Transactions easily via e-channel or internet banking


Managed with Sharia Principle

Funds are managed with sharia principles with a wadiah contract


Pay Zakat Based On Sharia

Make zakat, infaq, and alms payments according to sharia

    Terms & Condition

    Benefit & Fees


    Other information

    Product Information Summary

Individual Terms

  • 17 years old or married (for individuals)
  • Have a KTP and NPWP card
  • For Indonesian Citizens and Foreign Citizens
  • Minimum initial deposit IDR 250,000,-

Non-Individual Requirements

  • NPWP, SK Minister of Cooperatives (for cooperatives)
  • Deed of Establishment, Deed of Amendment (if any)
  • SK Menkumham (PT, Foundation, PMA), Domicile Decree / SITU,
  • SIUP, TDP (TDY for Foundations), Covernote Notary
  • District Court Registration (for CV and Firm)
  • BKPM Approval Letter (for PMA)
  • Permits from authorized agencies (for foundations)

Wadi'ah Bonus:

Cost :
  • Monthly administration fee: IDR 0.-
  • Costs below the minimum balance: IDR 10 thousand
  • Account closing fee: IDR 100 thousand
ATM, IB and MB cards

Call OCBC NISP: 1500-999
Email: callcenter@ocbcnisp.com

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Written agreement between the Bank and other parties that contains the rights and obligations of each party in accordance with Sharia Principles.

The principles of Islamic law in banking activities are based on fatwas issued by institutions that have the authority to determine fatwas in the field of sharia.

The distribution of profit of Bank Syariah to the Deposit Customers is based on the agreed ratio every month. Revenue sharing depends on the amount and duration of deposits and bank income for the period. The amount of profit sharing is calculated based on bank revenue so that the customer must obtain profit sharing and not lose the principal savings.

The board is tasked with giving advice and advice to the Directors and overseeing the activities of the Sharia Business Unit to be in accordance with Sharia Principles.

Transaction of fund investment from the owner of the fund (shahibul mal) to the fund manager (mudharib) to carry out certain business activities in accordance with Sharia Principles, with the distribution of results of business between the two parties based on a mutually agreed ratio.

Funds or goods deposit transaction from the owner to the depositor of funds with an obligation for the depositing party to return the funds or goods deposited at any time or in accordance with the agreement.

Buying and selling transactions of goods at the acquisition price plus the margin agreed upon by the parties, where the seller informs the buyer in advance of the acquisition price.

Agreement of representation between one party to another. Wakalah is usually applied for making Letter of Credit, for purchasing goods abroad (L/C Import) or forwarding requests

Collaboration between two or more parties having funds and/or goods to carry out certain businesses in accordance with Sharia Principles by sharing the results of operations in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio.

Collaboration between two or more owners of funds and/or goods to carry out certain businesses in accordance with Sharia Principles with the distribution of operating results in accordance with the amount of capital ownership of each party or based on a mutually agreed ratio, then one party gradually buys the other party's capital ownership, so that at the end of the cooperation period one party has the entire capital (100%).

The amount of profit agreed between the Bank and the Customer for financing transactions with a sale and purchase agreement (murabahah). Financing margins are fixed (fixed) unchanged throughout the term of the financing.

Share of profit sharing between the Bank and the Customer of funding and financing transactions with profit sharing agreements (mudharabah and musyarakah).

Lease transactions of goods and/or services between the owner of the object for lease, including ownership of the right to use the object for rent and the lessee to get compensation for the leased object.

Borrowing transactions without compensation for the obligations of borrowing party to repay the loan principal in one lump sum or installments within a certain period.

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Savings with Sharia principles are managed based on the Wadiah contract

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