Business Activities and License


According to the most recent CIMB Niaga Articles of Association, CIMB Niaga was established with the goal and objective of carrying out business activities in the Commercial Banking sector, as stated in Deed No. 14 dated 8 April 2022, made before Ashoya Ratam, S.H., M.Kn., Notary in the Administrative City of South Jakarta. To achieve these goals and objectives, CIMB Niaga may engage in the following main and supporting business activities:


  1. Collect funds from the public in the form of deposits, namely current accounts, time deposits, certificates of deposits, saving accounts, and/or other equivalent forms, both in Rupiah and foreign currencies;
  2. Provide loans, either long-term, medium-term, or short-term, or loans in other forms that are commonly provided in the banking sector, both in Rupiah and foreign currencies;
  3. Issue acknowledgment of indebtedness (debt instruments);
  4. Purchase, sell, or collateralize at its own risk or for the interest and as per instruction of its customers:
    1. Commercial bill of exchange including those accepted by banks with validity periods no longer than the customary commercial instruments;
    2. Acknowledgment of indebtedness and other commercial papers with validity periods no longer than the customary commercial instruments;
    3. State treasury notes and government guarantee instruments;
    4. Bank Indonesia Certificates (SBI);
    5. Bonds;
    6. Promissory notes valid up to 1 (one) year pursuant to prevailing laws and regulations;
    7. Other commercial instruments valid up to 1 (one) year, pursuant to prevailing laws and regulations.
  5. Transfer funds in the interests of both the bank and its customers;
  6. Place funds in, borrow from, or lend to other banks using notes, telecommunication devices, sight drafts, checks, or any other means;
  7. Accept payments from commercial paper and perform calculations with or among third parties;
  8. Provide safe deposit boxes to store valuable goods and commercial papers;
  9. Perform custodian activities for the interest of other parties based on an agreement;
  10. Place funds from a customer to another customer in the form of commercial papers not listed on stock exchanges;
  11. Perform factoring activities, credit card business, and trusteeship activities;
  12. Perform activities in foreign exchange in compliance with the provisions stipulated by Bank Indonesia and Financial Services Authority (OJK);
  13. Perform sharia-compliant banking activities in compliance with the provisions stipulated by Bank Indonesia and Financial Services Authority (OJK);
  14. Perform marketing agency activities for nonbanking products such as insurance, mutual funds, government bonds, or others pursuant to regulations.


  1. Purchase through auctions or by other means, collateral either wholly or partially in terms of the debtors default on their obligations to the Bank, under the condition that the purchased collateral is required to be immediately disbursed;
  2. Perform capital investment in a bank or other financial institution, such as leasing, joint venture, consumer financing, securities or insurance companies or in a clearing and guarantee institution, and settlement and custodian institutions in accordance with Bank Indonesia and OJK regulations;
  3. Perform temporary capital investments to manage the consequences of default, or sharia-based financing default, under the condition that the investment shall be withdrawn in compliance with Bank Indonesia and/or OJK regulations;
  4. Act as pension fund founder and pension fund manager pursuant to the laws and regulations concerning pension funds;
  5. Perform other supporting activities to sustain the Bank’s main business activities as commonly performed by a bank as long as they do not contravene any laws and regulations.


Up to the fiscal year ended 31 December 2023, CIMB Niaga has carried out all of its business activities in accordance with the guidelines stipulated in the Bank’s most recent Articles of Association.



 CIMB Junior

 Indie Account

 OCTO Savers

 Xtra Savers

 Xtra Savers Manfaat

 Tabungan Investor


 Tabungan SimPel (Student Savings)

 Xtra Pandai

 GOAL Savers

 Time Deposit

 Giro Usaha

 Giro (Individual/Corporate)


 Tabungan iB Pahala Wadiah/Mudharabah

 Tabungan iB Xtra

 Tabungan iB Payroll Wadiah/Mudharabah

 Tabungan Investor iB

 Xtra Savers iB

 Xtra Savers iB Valas

 Deposito iB IDR/USD iB

 Goal Savers iB

 Giro iB Wadiah

 Giro Usaha Mudharabah iB (Individual/Corporate)

 Giro iB Mudharabah (Individual/Corporate)



 Auto Loan Joint Financing

 Consumer loan products with cash and securities as collateral (Personal Credit Line)

 Xtra Dana (Personal Loan)

 Credit Card

 Corporate Credit Card

 Xtra Kasbon

 OCTO Loan


 Mudharabah Muqayyadah

 Mortgage iB

 Indirect Auto Financing iB

 Xtra Dana iB (Personal Financing iB)

 Sharia Credit Card


 Contact Center CIMB Niaga: 14041/+6221-29978888 (from overseas)

 Preferred Assistant 1500800

 Contact Center BizChannel@CIMB: 14042

 Preferred Assistant

 Debit Card

 Automatic Teller Machine (ATM)

 Cash Recycling Machine (CRM)

 Multi-Denom Machine (MDM)

 Electronic Data Capture (EDC)

 OCTO Merchant

 Payment Gateway (PG)

 QRIS (Static and Dynamic)

 OCTO Clicks

 OCTO Mobile


 BizChannel@CIMB Mobile

 Account Balance Consolidation

  API (Application Programming Interface) – SNAP (Standar Nasional Open API Pembayaran)

  • API Balance Inquiry
  • API Transaction History List
  • API Transaction Status
  • APi Account Binding
  • API Intrabank Transfer
  • API Interbank Transfer (BI Fast/GPN)
  • API Intrabank to Virtual Account
  • API Virtual Account
  • API Direct Debit (Octocash)
  • API QRIS MPM Acquiring
  • API QRIS CPM Acquiring


  • API Bill Payment
  • API Online Credit Card Payment
  • API QRIS Cash OutAPI TD Inquiry
  • API RDN (Rekening Dana Nasabah)
  • API RDL (Rekening Dana Lender)
  • API ATM/Branch Locator
  • API Calculator
  • API Referal
  • API Bank Product Information

 Bulk Payment




 e-Statement & e-Combine Statement

 e-Tax Payment

 Fax Statement

 OCTO Pay (e-Money)

 Video Banking

 Digital Lounge

 Domestic and International Transfers

 Cardless Cash Withdrawals and Deposits

 Bills Payment & Top Up (Phone Credit, Internet/Data, PLN and e-Wallet)

 Virtual Card Number (VCN)

 Account Opening (Rupiah and foreign exchange), Credit Cards, Mutual Funds, Bonds, Insurance and Time Deposits Online

 Bulk Transactions & Scheduled Transactions

 Financial Check-Up: See Total Fund Placement, and Outgoing/Incoming Money Flows

 Pay with OCTO Mobile by scanning QR and Scan QRIS

 Foreign Exchange Transactions to Own Accounts at Competitive Rates

 Travel Concierge: Buy Airline Tickets Through the Mobile Banking Application

 Buy Games Vouchers

 Checks and Points Xtra Transactions (Loyalty Points)

 Cash Plus facility via OCTO Mobile/Clicks

 Installment facility via OCTO Mobile/Clicks

 Credit Protector registration facility via OCTO Mobile

 OCTO Cash

 OCTO Card (Digital Credit Card)


 Visa Direct Credit Card Bill Payment


 Working Capital Loan

 Investment Loan

 Syndicated Loan

 Partnership (Linkage Program)

 Trustee & Agency Services

 Custodian Services

 Payment Bank

 Investor’s Fund Account Administrator Bank


 Value Chain - Distributor/Dealer Financing

 Value Chain - Supplier Community Finance


 Bid Bond

 Performance Bond

 Retention Bond

 Payment Bond

 Maintenance Bond

 Custom Bond

 Advance Payment Bond

 Counter Guarantee

 Shipping Guarantee

 Standby Letter of Credit

 Issuance of Letter of Credit - Sight and Usance

 Issuance of Domestic Letters of Credit (SKBDN) – Sight and Usance

 Inward Documentary Collection-D/P and D/A

 Usance Payable At Sight/Usance (UPAS/UPAU)

 Post Import Financing/Trust receipt

 Import Tax - PIB/PIBT

 LC Advising of Export Letter of Credit/SKBDN

 Transfer Letter of Credit

 SKBDN Negotiation/Discounting with Facilities

 SKBDN Negotiation/Discounting without Facilities

 Negotiation/Discounting on Export Letter of Credit with Facility

 Negotiation/Discounting on Export Letter of Credit without Facility

 Outward Documentary Collection-D/P and D/A

 Pre-Shipment Financing

 Trade Loan Account Receivable

 Trade Loan Account Payable

 Confirmation Letter of Credit



 Risk Participation

 Bank Notes

 FX Today/Tom/Spot

 FX Forward

 FX Swap

 Par Forward

 Domestic Non Deliverable Forward


 Appointed Cross Currency Dealer

 FX Option

 Call Spread Option

 Interest Rate Swap

 Cross Currency Swap

 Interest Rate Option

 Bond Investment

 Repo/Reverse Repo

 Bond Forward Casa

 Bond Link Investment

 Market Linked Deposit

 SWAP Depo

 Strike Currency

 Call Money

 Negotiable Certificate of Deposit

 Forward Goal Saver

 Bank Indonesia Rupiah Securities (SRBI)

 Bank Indonesia Foreign Exchange Securities (SVBI)

 Bank Indonesia Foreign Currency Sukuk (SUVBI)

 Sustainability Linked Loan/Financing

 Sustainable Financing


 Working Capital Financing iB and USD Working Capital iB

 Investment Financing iB and USD Investment iB

 Current Account Financing (PRK) iB

 FX Today/Tom/Spot

 Sharia Hedging

 Bank Notes

 Buying and Selling Sukuk

 Issuance of Sukuk Mudharabah

 Maintenance Bond iB

 Tender or Bid Bond iB

 Performance Bond iB

 Retention Bond iB

 Payment Bond iB

 Advance Payment Bond iB

 Custom Bond iB

 Counter Guarantee iB

 Shipping Guarantee iB

 Standby Letter of Credit iB

 Issuance of Letter of Credit iB – Sight and Usance

 Issuance of SKBDN iB (Domestic Letter of Credit)

 Post Import Financing/TR iB

 Continuation/Transfer of Export Letter of Credit iB

 Export LC Financing iB or SKBDN with Facilities iB

 Export LC Financing iB or SKBDN without Facilities iB

 Outward/Inward Documentary Collections D/P iB and D/A iB

 Account Receivable Financing iB

 Account Payable Financing iB

 Pre-Shipment Financing iB - Salam

 Supply Chain Financing iB


 Bank Draft

 Special Funds Transfer

 Safe Deposit Box

 Preferred Collection Services

 Cash Mobile

 Cash Pick Up

 Corporate Credit Card

 Cash Sweeping

 Virtual Account