Pocket

Monthly account fees are waived for users maintaining an average balance above 1 million rupiah; below that threshold, the monthly fee is 10,000 rupiah. Intra-OCBC transfers and BI FAST transfers are free, while transfers to other banks cost 6,500 rupiah. Top-ups from non-OCBC banks also cost 6,500 rupiah. Both debit-card issuance and monthly card maintenance carry no fees.

Pocket integrates with OCBC's ATM network, offers Mastercard debit cards, and participates in the national GPN QRIS system. Its transfer capabilities leverage the BI FAST rail, suggesting a direct or partnered connection to Indonesia's central bank clearing infrastructure.

Yes. The platform explicitly permits users under 18 to hold accounts, a feature that differentiates it from many digital banks requiring customers to be of legal age. This expands Pocket's addressable market to entire family units, including children, for early financial literacy and allowance management.

Pocket's integration with OCBC is visible in its ATM access and free internal transfers to OCBC accounts, but the exact nature of the relationship — whether a partnership, sponsorship, or subsidiary arrangement — is not publicly disclosed in the platform's current materials.

Onboarding requires only a mobile phone number, eliminating documentation friction common in Indonesian financial services. This positions the app for rapid adoption among users who may lack traditional KYC documents but possess a mobile device.