I opened a bank account with OCBC in Bali, Ubud earlier this year. They gave me a personal account and sold me on a business account, then additionally sold me healthcare, in which they told me would be an 'investment' and I could withdraw my money at any point whenever I decide. The total amount to be paid up front was 30 million IDR. Now after some months of terrible service, frustrations, lack of communication and errors on all apps and services, I have decided to close my accounts and have now been informed I cannot receive a refund of my money already invested, total 15 million IDR around 765 GBP!! The bank manager does not reply to anything, the customer service has no information and no apps work. I cannot access my money, or 'investment' and the level of service is appalling. I have never know n anything like it. Resolution: I would like a full refund of my 15 million IDR as soon as possible. I have not made one claim, and I have nothing but trouble and stress since opening this account. My client number is: Personal - [protected] Business - Name : PT Beluna Coworking Bali No account : 160.8000.14344