Terms & Conditions of the Promotion:

1. You can invite friends to BNC neobank using an invitation link or referral code.
    

2. Rewards you can receive are as follows:
    

• Rp 5,000: After the friend you invited successfully opens a BNC account and logs in at least once to the neobank app, you’ll receive Rp 5,000 in cash rewards.
   
• Rp 30,000:
   
  • Cash reward for deposit opening.
     
  • If your friend opens a WOW deposit, you'll instantly receive the reward.
     
  • If they open a FLEXI deposit, the reward will be credited 7 days after deposit placement.
     
  • If the FLEXI deposit is withdrawn before the effective reward date, the reward will be invalid.
     

3. After receiving the cash reward, it can be withdrawn to your savings account.
    

Additional Information:

(1) The reward withdrawal period to a savings account at neobank is valid for 30 days. You can withdraw your cash reward via the Neo Rewards menu. Expired rewards cannot be claimed.

(2) Each successful valid referral only earns 1 reward for account creation and 1 reward for deposit opening.

(3) Each user can receive a maximum of 15 referral rewards per month.

(4) This promotion has a limited reward quota. If the quota is used up, the promotion will end early.

(5) BNC neobank reserves the right to modify or terminate the promotion at any time without prior notice, including changes to systems, policies, or operational rules. BNC also reserves the right to disqualify users who violate the rules.

(6) For further questions, please contact BNC Customer Service at 1500-199.

(7) This promotion is not affiliated with Apple Inc