PRODUCT INFORMATION SUMMARY
DANAMON LEBIH PRO


The benefits of opening Danamon LEBIH PRO accounts:

  1. Twelve Currencies on One Account
    Upon account opening of Danamon LEBIH PRO, Customer can enjoy benefit of having account with 12 (twelve) currencies (or other currencies as amended and determined by the Bank from time to time) in one account. Transfer or receiving fund easily in one account with competitive foreign currency interest rate. 

  2. Foreign Currency Transaction Easily With D-Bank PRO
    Enjoy performing foreign currency transaction in easy way with one account using “FX Transaction” feature on D-Bank PRO.

  3. Free Transaction Fee
    Customer will not be charged for the first 99 (ninety-nine) transactions cash withdrawal on network ATM Bersama, ALTO, Prima, and transfer via BI-FAST for 99 (ninety-nine) times quota per month using D-Bank PRO if the balance before transaction is minimum IDR5,000,000.00 (five million rupiah). 

  4. Latest Transaction Features
    Customer is able to enjoy a convenience of banking transactions experience with our latest transaction features, including mobile banking and internet banking (D-Bank PRO), Danamon SMS, ATM, and Hello Danamon.

Fitur Rekening Danamon LEBIH PRO / Danamon LEBIH PRO Account Features

Kriteria Nasabah

Customer Criteria

Nasabah Perorangan / Individual Customer

Mata uang dalam satu rekening

Currency on one account

  • Indonesian Rupiah (IDR) (mata uang dasar/base currency)
  • US Dollar (USD)
  • Japanese Yen (JPY)
  • Chinese Yuan (CNY)
  • New Zealand Dollar (NZD)
  • Australian Dollar (AUD)
  • Singapore Dollar (SGD)
  • Euro (EUR)
  • British Poundsterling (GBP)
  • Hong Kong Dollar (HKD)
  • Canadian Dollar (CAD
  • Saudi Arabian Riyal (SAR)

 

Media Pelaporan Transaksi

Transaction Report Media

  • E-Statement
  • Printed Statement, hanya untuk Nasabah yang ter-whitelist untuk mendapatkan Printed Statement.

Printed Statement, only for Whitelisted Customer who get a printed statement.

Setoran awal minimum

Minimum initial deposit

Setoran awal dapat dilakukan ke salah satu mata uang dengan minimum nominal setoran awal berikut di mata uang yang dipilih nasabah/

Initial deposit can be performed on one of the following currencies with minimum initial deposit as per following on the chosen currency:

 

Mata uang/Currency

Minimum Setoran awal/ Minimum initial deposit

IDR

IDR 250.000

USD

USD 25

AUD

AUD 25

NZD

NZD 25

SGD

SGD 25

GBP

GBP 25

EUR

EUR 25

JPY

JPY 2.500

CNY

CNY 250

HKD

HKD 250

CAD

CAD 25

SAR

SAR 25

Saldo ditahan

Blocked fund
  • Rupiah: Rp50.000,00
  • Mata uang lainnya: Tanpa saldo ditahan. / Other currencies: No blocked fund.

Minimum saldo rata-rata yang harus dijaga untuk menghindari penalti (Rp20.000,00)

Minimum average balance to avoid penalty (IDR20,000.00)

  • Rupiah (IDR): Rp5.000.000,00; tidak termasuk mata uang lainnya; dan/

    excluding other currency/ and .

  • Mata uang lainnya: tanpa minimum saldo. / Other currencies: no minimum balance.

Suku bunga

Interest rate

  • Suku bunga Danamon LEBIH PRO untuk tiap mata uang dapat diakses oleh Nasabah pada media komunikasi yang tersedia pada Bank, termasuk namun tidak terbatas pada website resmi Bank. / The interest rates update of Danamon LEBIH PRO for every currency can be accessed by the Customer on communication media available at Bank, including but not limited to the official website of Bank.
  • Bunga Danamon LEBIH PRO diperhitungkan berdasarkan saldo harian dan akan dibukukan ke rekening Danamon LEBIH PRO yang bersangkutan setelah dikurangi pajak pada akhir bulan sesuai peraturan perundangan yang berlaku. / The interest rates of Danamon LEBIH PRO is calculated based on daily balance and booked into customers account after being reduced by tax at the end of the month, according to the prevailing regulations.

Rekening gabungan

Joint account

Rekening Gabungan “ATAU” dan/atau Rekening Gabungan “DAN”. / In the form of Joint Account “OR” and/or Joint Account “AND”.

Fitur Kartu Debit/ATM Danamon

ATM Danamon/Debit Card Feature

Fitur Kartu Debit/ATM Danamon berlaku mata uang yang ada dalam Tabungan Danamon LEBIH PRO. / ATM Danamon/Debit Card feature is applicable all currencies in Danamon LEBIH PRO saving.

Fasilitas E-Channel

E-Channel Facilities

Transaksi melalui D-Bank PRO dapat dilakukan untuk semua mata uang. Transaksi melalui Danamon SMS, ATM dan Hello Danamon hanya dapat dilakukan untuk seluruh mata uang. / Transaction via D-Bank PRO is applicable for all currencies. Transaction via Danamon SMS, ATM and Hello Danamon is applicable for all currencies.

Danamon Debit/ATM Card Facility

Specifically for Customer who have a Danamon LEBIH PRO account before the Danamon LEBIH PRO Debit Card was introduced to Customers, the Danamon LEBIH PRO account can be connected as a Main Account with a maximum of 4 Debit/ATM Cards consisting of:

  1. 1 Mastercard Debit/ATM Card (Non-Danamon Lebih PRO Debit Card).
  2. 1 GPN Debit/ATM Card.
  3. 1 Danamon Lebih PRO Debit/ATM Card.
  4. 1 Danamon Virtual Debit Card.

Danamon ATM/Debit Card can only be given to individual Customer. Customer can have a Physical Debit Card and Virtual Debit Card connected to Danamon LEBIH PRO Savings.

Danamon Virtual Debit Card is a debit card in virtual (non-physical) form issued by the Bank at the request of the Customer via the D-Bank PRO application. Debit card data information (card number, CVV, and card expiration date) can be seen in the D-Bank PRO application.

Danamon Virtual Debit Card can be used to condut online or e-commerce debit transactions and is a separate product from the Physical Debit Card.

Physical Debit Card/ATM Danamon can be used for transactions at:

  1. Automatic Teller Machines (ATM) of Bank, ATM Bersama, ALTO, Prima, and any other ATMs bearing the Maestro or Cirrus.
  2. Bank Cash Recycle Machine (CRM).
  3. Merchants that utilize Electronic Data Capture (EDC) machines bearing the Maestro, Mastercard and Mastercard Electronic logo.

Especially for Danamon LEBIH PRO Savings owners, Customer can have a Danamon LEBIH PRO Debit Card which allows spending transactions abroad without being subject to exchange rate conversion and directly debiting foreign currency accounts for currency exist in Danamon LEBIH PRO Savings.

Things that need to be considered when Customer make transactions with Danamon Debit/ATM Cards:

  1. Customer must change the PIN given by Bank before using the card for its first transaction;
  2. The Debit/ATM Card and PIN can be used  solely by the Customer and cannot be transferred/lend to other party;
  3. Change PIN periodically, avoid PIN that can be guesseasilly such as birth or wedding date or sequential number;
  4. Make sure that there is sufficient fund/ balance to perform transactions such as cash withdrawal, over-booking, transfer, bill payment, purchase etc;
  5. Entering the wrong PIN for 3 times in a row on the same day will cause the card to be blocked;
  6. Do not inform PIN to other party sue to its private and confidential nature;
  7. Do not write your PIN on the Debit/ATM Card;
  8. Ask  the mechant before performing any debit transaction on whether any additional fees will be charged;
  9. Ensure that PIN being input is not seen by other party while using the Debit/ATM Card at Merchant;
  10. Ensure that Debit/ATM Card is swiped only one time at merchant’s EDC. Please check the nominal stated upon your confirmation.
  11. Keep your transaction slip from any merchant until the transaction is settled.
  12. If the Debit/ATM Card is lost/stuck, immediately contact Hello Danamon 1-500-090 to block your card.

Risk

  1. Risk of interest rate.
  2. Exhange Rate Changes.
  3. The risk of costs arising from customer's negligence will be borne by the customer
  4. Other risks as stipulated in General Terms and Conditions for Accounts and Banking Services

Biaya/ Cost

No

Fitur/ Feature

Nominal

1

Biaya administrasi bulanan

Monthly Admin Fee

Bebas Biaya

Free

2

Biaya Kartu Debit/ATM bulanan

Monthly ATM/Debit Card Fee

 
  • Kartu debit vitual

Bebas Biaya

Free

 
  • Kartu debit fisik

Bebas Biaya

Free

3

Permohonan Kartu Debit di aplikasi D-Bank PRO

bagi untuk:

 

 
  • Kartu Virtual

Bebas Biaya

Free

 
  • Kartu Debit Fisik

Bebas biaya(*)

Minimal saldo untuk melakukan request

kartu fisik Rp500.000,00

 

(*) Periode s.d Juni 2025

4

Biaya penggantian Kartu Debit/ATM di cabang:

Debit/ATM Card replacement fee at Branch:

 

  • Ditelan mesin ATM

Stuck in ATM

Gratis + Rp10.000,00 (biaya materai)

Free + IDR10,000.00 (stamp duty)

  • Kartu Debit/ATM hilang/ dicuri

Lost/stolen

Rp25.000,00 + Rp10.000,00 (biaya materai)

Rp25,000.00 + Rp10,000.00 (stamp duty)

  • Rusak atau salah PIN

Broken/wrong PIN

Rp25.000,00

Rp25,000.00

 
  • Kartu kedaluwarsa

Expired Cards

Bebas Biaya

Free

5

Biaya penggantian Kartu Debit di D-Bank PRO:

 

 
  • Kartu kedaluwarsa

Expired Cards

Bebas Biaya

Free

6

Biaya cetak laporan transaksi/ lembar:

Transaction report print fee/ sheet:

 

  • Bulan berjalan dan sampai 2 bulan terakhir

The current month and up to 2 past months

Rp5.000,00


  • Lebih dari 2 bulan

More than 2 months

Rp10.000,00

7

Minimum saldo yang harus dijaga

Minimum balance to avoid penalty

Rupiah: Rp5.000.000,00

Mata uang lainnya: Tidak Berlaku. /

Other currencies: not applicable

8

Penalti dibawah saldo minimum

Penalty for going below the minimum balance

Rupiah: Rp20.000,00

Mata uang lainnya: Tidak Berlaku. /

Other currencies: not applicable

9

Biaya Dormant

Dormant Fee

Rupiah: Rp20.000,00

Mata uang lainnya: Tidak Berlaku. /

Other currencies: not applicable

10

Penutupan Rekening

Closing an account

Rupiah: Rp50.000,00

Mata uang lainnya: Tidak Berlaku. /

Other currencies: not applicable

11

Biaya laporan rekening elektronik (e-Statement)

Electronic Statement

Bebas Biaya

Free

12

Biaya rekening koran cetak (Printed Statement).

 

Monthly printed statement fee.

 

 

 

Rp25.000,00 (dua puluh lima ribu rupiah) perbulan

13

Penggunaan mesin ATM

ATM usage

 

  • Cek Saldo di ATM Danamon

Balance check at ATM Danamon

Bebas Biaya

Free

  • Tarik Tunai di ATM Danamon

Cash withdrawal at ATM Danamon

Bebas Biaya

Free

  • Cek saldo di ATM Bersama, ALTO & Prima

Balance Inquiry at ATM Bersama, ALTO & Prima

Rp4.000,00

  • Tarik tunai di ATM Bersama, ALTO & Prima

Cash withdrawal at ATM Bersama, ALTO & Prima

Rp7.500,00 (Bebas Biaya

untuk 99 kali per bulan jika Saldo sebelum

transaksi≥ Rp5.000.000,00)

IDR 7,500.00 (Free 99 times per month if

balance before transaction ≥ IDR

5,000,000.00)

 
  • Cek saldo menggunakan Kartu Debit Danamon

    LEBIH PRO di ATM Luar Negeri Berlogo Mastercard,

    Cirrus, dan Maestro

  • Balance inquiry using Danamon LEBIH PRO

Debit Card at Overseas ATM with Cirrus, Mastercard

and Maestro Logo

Biaya dalam mata uang sumber dana

rekening Danamon LEBIH PRO yang sama

dengan mata uang negara transaksi / Fees

in Danamon LEBIH PRO currencies for same

transaction country currency

Mata uang/
Currency

Biaya Tarik Tunai/

Cash Withdrawal Fee

AUD

1

CNY

5

EUR

1

GBP

1

JPY

50

NZD

1

SGD

1

USD

1

HKD

5

CAD

1

SAR

1

Transaksi dengan mata uang negara

transaksi di luar mata uang Danamon LEBIH

PRO di atas akan dikenakan biaya sebesar

IDR 4.000 / Fees in transaction country

currency other than above Danamon LEBIH

PRO currencies will be charged IDR 4.000.

 

  • Tarik tunai menggunakan Kartu Debit Danamon

LEBIH PRO di ATM Luar Negeri Berlogo Mastercard,

Cirrus, dan Maestro

Cash withdrawal using Danamon LEBIH PRO

Debit Card at Overseas ATM with Cirrus,

Mastercard and Maestro Logo

Biaya dalam mata uang sumber dana

rekening Danamon LEBIH PRO yang sama

dengan mata uang negara transaksi / Fees

in Danamon LEBIH PRO currencies for same

transaction country currency

Mata uang/
Currency

Biaya Tarik Tunai/

Cash Withdrawal Fee

AUD

3

CNY

15

EUR

3

GBP

3

JPY

250

NZD

3

SGD

3

USD

3

HKD

15

CAD

3

SAR

6

Transaksi dengan mata uang negara

transaksi di luar mata uang Danamon LEBIH

PRO di atas akan dikenakan biaya sebesar

IDR 25.000 / Fees in transaction country

currency other than above Danamon LEBIH

PRO currencies will be charged IDR 25.000.

 

14

Penggunaan D-Bank PRO

D-Bank PRO usage

 

  • Transfer

 

- Transfer SKN / SKN Transfer

Rp2.900,00

- Transfer RTGS / RTGS Transfer

Rp20.000,00


- Transfer Online (ATM Bersama/ALTO/PRIMA)

Online Transfer (ATM Bersama / ALTO / PRIMA)

Rp7.500,00

 
  • Transfer BI-FAST / BI-FAST Transfer (D-Bank

PRO)

Rp2.500,00 (Bebas Biaya untuk 99 kali per

bulan jika Saldo sebelum transaksi ≥

Rp5.000.000,00)

 

IDR 2,500 (Free 99 times per month if

balance before transaction ≥

IDR5,000,000.00)

15

Autodebit

Untuk layanan autodebit, Nasabah akan

mendapatkan bebas biaya administrasi

untuk pembayaran tagihan bulanan PLN,

Telkom, dan/atau PAM yang dilakukan

melalui autodebit Bank (yang dilakukan

berdasarkan surat kuasa pendebitan

rekening yang ditandatangani oleh

Nasabah).

 

For autodebit, Customer will get free

administration fee for monthly bill payment

for PLN, Telkom and/or PAM monthly bill

payments conducted using the autodebit of

Bank (conducted according to the power of

attorney on account debiting signed by the

Customer).

Simulasi 

  1. Perhitungan Bunga Rekening

    Perhitungan Bunga Bulanan

    Monthly Interest Calculation

    Nominal

    Amount

    Saldo Rekening Rupiah/ Rupiah Account Balance:

    -Tanggal/ Date 1

    = Rp0

    -Tanggal/ Date 2-7

    = Rp250.000

    -Tanggal/ Date 8-14

    = Rp10.000.000

    -Tanggal/ Date 15-20

    = Rp50.000.000

    -Tanggal/ Date 21-25

    = Rp68.000.000

    -Tanggal/ Date 26-29

    = Rp43.000.000

    -Tanggal/ Date 30-31

    = Rp31.000.000

     

    Saldo rata-rata bulanan/ Monthly Average Balance:

    Jumlah Dana

    Balance Amount

    Jumlah Hari

    No of Days

     

    Total Dana

    Balance Amount

    250.000

    x6

    =

    1.500.000

    10.000.000

    x7

    =

    70.000.000

    50.000.000

    x6

    =

    300.000.000

    68.000.000

    x5

    =

    340.000.000

    43.000.000

    X4

    =

    172.000.000

    31.000.000

    X2

    =

    62.000.000

     

    Total

    =

    945.500.000

    Saldo Rata-Rata Bulanan

    =

    30.500.000

     

     

     

     

     

    Bunga untuk saldo dibawah Rp50Juta = 0.10% (Gross)

    Interest Rate for Balance below Rp50Mio = 0.10% (Gross)

    Rp30.500,00

    Pajak 20%: Rp30.500,00 x 20%

    Tax 20%: Rp30.500,00 x 20%

    Rp6.100,00

    Bunga (net): Rp30.500,00 – Rp6.100

    Rate (net): Rp30.500,00 – Rp6.100

    Rp24.400,00

    Catatan/Notes:

    1. Simulasi hanya untuk mata uang Rupiah. Untuk mata uang lainnya berlaku perhitungan dengan suku bunga sesuai mata uang.
      Simulation is only for Rupiah currency. For other currency, calculation with interest rates according to respective currency is applied.
    2. Tingkat suku bunga dapat berubah dengan pemberitahuan sebelumnya kepada nasabah.
      Interets rate can change with prior notification to the customer.
  2. Perhitungan Saldo Rata-rata mata uang Rupiah/ Rupiah Average Balance Calculation

Perhitungan Saldo Rata-rata

Nominal

Dana Nasabah

Saldo Rekening/ Account Balance:

-Tanggal/ Date 16 Juni

= Rp0

-Tanggal/ Date 17-22 Juni

= Rp250.000

-Tanggal/ Date 23-29 Juni

= Rp10.000.000

-Tanggal/ Date 30-31 Juni,1-4 Juli

= Rp50.000.000

-Tanggal/ Date 5-9 Juli

= Rp68.000.000

-Tanggal/ Date 10-13 Juli

= Rp43.000.000

-Tanggal/ Date 14-15 Juli

= Rp31.000.000

 

Saldo rata-rata bulanan/ Monthly Average Balance:

Jumlah Dana

Balance Amount

Jumlah Hari

No of Days

 

Total Dana

Balance Amount

250.000

x6

=

1.500.000

10.000.000

x7

=

70.000.000

50.000.000

x6

=

300.000.000

68.000.000

x5

=

340.000.000

43.000.000

X4

=

172.000.000

31.000.000

X2

=

62.000.000

 

Total

=

945.500.000

Saldo Rata-Rata Bulanan

=

30.500.000

 

 

 

 

 

Rp30.500.000

( ≥ Rp5.000.000 : tidak kena penalti)

(≥IDR5,000,000.00 : no penalty)

 

 

 

Perhitungan Saldo Rata-rata

Nominal

Saldo Nasabah Dibawah Saldo Minimum

If Customer Balance Below the Minimum Balance

 

Saldo Rekening/ Account Balance:

-Tanggal/ Date 16-19

= Rp250.000

-Tanggal/ Date 20-25

= Rp100.000

-Tanggal/ Date 26

= Rp1.000.000

-Tanggal/ Date 27-31,1-3

= Rp200.000

-Tanggal/ Date 4-7

= Rp150.000

-Tanggal/ Date 8-15

= Rp50.000

 

Saldo rata-rata bulanan/ Monthly Average Balance:

Jumlah Dana

Balance Amount

Jumlah Hari

No of Days

 

Total Dana

Balance Amount

250.000

X4

=

1.000.000

100.000

X6

=

600.000

1.000.000

X1

=

1.000.000

200.000

X8

=

1.600.000

150.000

X4

=

600.000

50.000

X8

=

400.000

 

Total

=

5.200.000

Saldo Rata-Rata Bulanan

=

167.742

 

 

Rp167.742

 

(Biaya Penalti karena Saldo rata-rata < Rp5.000.000: Rp20.000)

(<IDR 5,000,000.00

: will be penalized: Rp20.000)

Catatan/Notes:

  1. Biaya admin untuk saldo di bawah rata-rata hanya berlaku untuk mata uang Rupiah, untuk mata uang lainnya tidak berlaku.
    Admin fee for average balance below minimum is only applicable for Rupiah currency, for other currency is not applicable.

Terms and Procedures

Danamon LEBIH PRO  account opening application can be applied by Customer at the Bank branch office(s) and via D-Bank PRO by fulfilling terms/conditions set by the Bank. 

Important Notes:

  1. The Bank has the right to reject application of product or service from Customer if Customer do not meet applicable requirement and  regulations.
  2. Customer must read carefully this Product Information Summary and Customer is entitled to ask query to the Bank staff on information related to this Product Information Summary document.
  3. The terms and conditions of this product are stipulated in the general terms and conditions of the relevant product.
  4. The Bank is required to inform any changes to the benefits, costs, risks, terms and conditions of this Product by letter or through other means in accordance with the applicable terms and conditions. The notification will be informed 30 days before the changes become effective. 
  5. Other information regarding costs, benefits, and risks can be accessed through the Danamon website www.danamon.co.id.