OPENING A BANK ACCOUNT

Mastercard Global Currency Debit Card (physical and virtual)

This card is not available for citizens of Ukraine and Russia. It is available for citizens of Belarus and other countries, regardless of visa type.

Supported currencies (12):

IDR, USD, JPY, CNY, NZD, AUD, SGD, EUR, GBP, HKD, CAD, SAR.

The transaction currency (withdrawals/payments) automatically matches the country of use. The card works worldwide without converting to IDR.

Personalized card: available upon request at the branch (production time: 7–10 business days).

Monthly service fee: 0 IDR (no regular charges).

Account closure fee: 100,000 IDR.

Dormant account fee: 15,000 IDR/month if there are no transactions.

Initial deposit:

No large minimum balance required — simply open the account and maintain a minimum balance of 1,000,000 IDR/month for free service, or 500,000 IDR if you are fine with paid maintenance.

Free operations (up to 30 transactions per month):

• Cash withdrawals at OCBC NISP, Prima, Bersama, and OCBC Singapore ATMs
• Interbank transfers (LLG/IBFT)
• In-store purchases (Visa/Mastercard/GPN debit)

Transaction limits (per day):

• ATM withdrawals: up to 10,000,000 IDR
• Transfers to other banks (IBFT/LLG): up to 25,000,000 IDR
• Internal transfers within Danamon (overbooking): up to 200,000,000 IDR
• POS payments (EDC terminals): up to 50,000,000 IDR
• Online payments (e-commerce): up to 10,000,000 IDR
• Bill payments (utilities): up to 200,000,000 IDR

Mastercard Global Wallet Debit Card

(Tanda 360 Plus Digital product) — a multi-currency account with a full range of modern banking services.

• The card is available to holders of any visa type.
• The bank approves applications regardless of the applicant’s citizenship.

The account supports 12 currencies:

IDR (primary), USD, SGD, HKD, EUR, JPY, AUD, GBP, CAD, CHF, NZD, and CNH.

The card automatically charges the local currency of the country you're spending in, with no conversion from the account.

Upon account opening, a non-personalized card is issued.

A personalized card can be requested at any branch (production time: 7–10 business days, no fee).

• Initial deposit & balance requirements:Initial deposit: 50,000,000 IDR
• Immediately after account opening, you can withdraw 25,000,000 IDR
• The remaining 25,000,000 IDR must stay in the account for 3 months
• After 3 months, the minimum monthly average balance is 1,000,000 IDR
• Fee for not meeting the minimum balance: 12,500 IDR/month
• Account closure fee: 100,000 IDR
• No administrative fee if balance requirements are met
• Free transactions (up to 30 per month):Cash withdrawals from OCBC NISP, Prima, Bersama, and OCBC Singapore ATMs — free if at least 1,000,000 IDR remains in the account after each transaction
• Interbank transfers (LLG/Online) — free under the same condition
• Card purchases (debit) in stores — free at any merchant with Visa, Mastercard, Debit BCA, or GPN logo.

Maybank Indonesia Debit Card

Issued under the Mastercard network and linked to your Rupiah Savings Account.

• Available to citizens of all countries, except Russian citizens (temporarily restricted).
• Applicants must hold a D12 visa or KITAS.
• The card is non-personalized by default, but you can request a personalized version free of charge at any Maybank branch (processing time: 7–10 business days).
• Account & Balance Requirements:No account opening fee, but a minimum initial deposit of 10,000,000 IDR is required.
• You can immediately withdraw 9,000,000 IDR after opening the account.
• The card is free of monthly fees as long as your average monthly balance stays above 100,000 IDR.
• If the balance falls below this, a monthly fee of 20,000 IDR is charged.
• Usage & International Transactions:The card works worldwide on the Mastercard network.
• Cash withdrawals abroad: 26,000 IDR or 2.50 USD per transaction.
• Balance inquiry abroad: 4,000 IDR or 0.35 USD.
• Currency conversion fees are borne by the customer.
• Multi-Currency Option (Super Valas Account):In addition to your IDR account, you can open a Super Valas multi-currency account in:
• USD, SGD, EUR, AUD, JPY, and CNH.
• Minimum deposit to open: 250 USD (or equivalent).
• Monthly maintenance is free if the average balance is at least 500 USD; otherwise, the fee is 1 USD/month.
• Transaction Limits (per day):ATM withdrawals: up to 10,000,000 IDR
• POS and online payments: up to 10,000,000 IDR
• Interbank transfers via ATM: up to 25,000,000 IDR
• Internal Maybank transfers: up to 50,000,000 IDR
• Online banking transfers (RTOL & BI-FAST): up to 200,000,000 IDR.

PermataME (Permata Debit Plus) – Visa

The most popular and convenient card for expats.

• Available for all foreigners holding a KITAS visa
• Minimum initial deposit when opening at a branch: 1,000,000 IDR
• Account & Currency Options:One main account in IDR, with the option to open up to 12 foreign currency sub-accounts (USD, SGD, EUR, AUD, JPY, CNH, etc.)
• Minimum deposit for a multi-currency sub-account: 100 USD
• Monthly fee for multi-currency account:
• – 17,500 IDR if average balance < 5,000,000 IDR
• – Free if average balance ≥ 5,000,000 IDR
• Fees & Maintenance:Monthly account maintenance fee: 0 IDR
• SMS notifications (PermataSMS Navigator):
• – Free for the first 2 months
• – 12,000 IDR/month afterward
• Card replacement fee: 25,000 IDR
• Account closure fee: Free
• ATM Access & Withdrawals:Part of PermataATM, ATM Bersama, ALTO, PRIMA, and Visa/PLUS networks — cash withdrawals are free
• Withdrawals at other banks’ ATMs:
• – Free for up to 30 transactions/month if balance ≥ 1,000,000 IDR
• – After limit: 7,500 IDR per IDR withdrawal, 25,000 IDR per foreign withdrawal
• Transfers via PermataMobile X:BI-FAST: Free
• Online: 7,500 IDR
• SKN/LLG: 2,900 IDR
• RTGS: 25,000 IDR
• Transfer Limits (per day):To other Permata accounts: up to 500,000,000 IDR
• To other banks via BI-FAST: up to 250,000,000 IDR
• Real-Time Online (RTOL): up to 50,000,000 IDR
• Clearing (LLG) and RTGS: up to 500,000,000 IDR
• ATM Withdrawal Limit:Up to 20,000,000 IDR/day, with a maximum of 10 transactions per day.