D-BANK PRO SERVICE
FREQUENTLY ASKED QUESTIONS (FAQ)
D-Bank PRO Service is a banking information and transaction service that
can be accessed by customers 24 (twenty four) hours a day and 7 (seven)
days a week through a mobile application on mobile phone/handphone or
website (https://www.dbank.co.id) on a computer/tablet connected to the
Internet.
Previously, D-Bank Services were available only for the mobile version.
On the other hand, customers can access the services available through
D-Bank PRO through either mobile application or website.
Mobile-based D-Bank PRO Services can be downloaded through Playstore or
App Store from mobile phones using Android or iOS systems respectively. To
use D-Bank PRO Services, the mobile phones’ operating systems should have
either iOS 11.4.1 or higher or Android 5.0.1 or higher.
In accordance with the Bank's provisions, the website-based D-Bank PRO
Services can be accessed using a web browser by visiting the website link
https://www.dbank.co.id . To use the website-based D-Bank PRO Services,
browser version should at least be any of the following: Google Chrome
70.0.3538, Mozilla Firefox 64.0.2, Safari 12, Internet Explorer 11.0.80,
MS Edge 41.16299.15.
Customers will only need to re-activate their account on the new
application/platform of D-Bank PRO Services. Once reactivated, customers
can continue to use the services and features of D-Bank PRO Services as
usual.
Customers can contact Hello Danamon via 1-500-090 or email:
hellodanamon@danamon.co.id
You can reset your password by contacting Hello Danamon 1-500-090 or by
using D-Bank PRO Services. Upon contacting Hello Danamon, a temporary
password, which will be valid only for 24 hours, will be sent via SMS to
the mobile phone number registered in the Danamon system. Then you can log
in through the mobile-based D-Bank PRO Services or web-based D-Bank PRO
Services using the temporary password. You will be prompted to change the
password after logging in. If you choose to use D-Bank PRO, you can access
the 'Forgot Password' menu on the login screen.
Contact Hello Danamon 1-500-090 to reset mPIN. Log in through the
mobile-based D-Bank PRO Service and verify the mobile number registered in
the Danamon system by sending an SMS according to the format provided.
Then create a new mPIN.
Contact Hello Danamon 1-500-090 or visit the nearest Danamon Branch to
change the mobile phone number. Customers can also change their
corresponding mobile phone numbers through D-Bank PRO by accessing the
"Profile" menu. Then go to the "Change Personal Data" sub-menu.
Development of D-Bank PRO Services prioritizes the security and safety of every customer's personal and financial information.
D-Bank PRO Service registration is a process that must be carried out by new users in order to use website-based D-Bank PRO Services and mobile-based D-Bank PRO Services. On the other hand, D-Bank PRO Service activation refers to the process that must be performed specifically by users who have previously registered in Danamon's e-channel services (Danamon Online Banking and/or D-Bank) in order to use the website-based D-Bank PRO Service and mobile-based D-Bank PRO Service.
For now, only local (Indonesian) providers/operators can be used when registering/activating D-Bank PRO. These include Telkomsel, XL Axiata, Indosat Ooredoo, Smartfren and Tri.
Customers can use and transact on the website-based and mobile-based D-Bank PRO Services immediately once the registration/activation process on the mobile-based D-Bank PRO Services is successful.
Customers must reactivate the new smartphone device by following the steps below:
Software Token is a function / feature available on mobile-based D-Bank PRO Services that generate Confidential Token Codes in the form of Challenge Response and One Time Password (OTP) for input on the website-based D-Bank PRO Service transaction screen. This authorizes the transaction in accordance with the instructions displayed on the website-based D-Bank PRO Service transaction screen.
Software Tokens are used to transact through the website-based D-Bank PRO Service (Internet banking).
Software Token will be automatically activated when the customer registers or activates the mobile-based D-Bank PRO Service Application on his/her mobile phone.
Software Token akan secara otomatis aktif ketika Nasabah melakukan Pendaftaran atau Aktivasi Aplikasi Layanan D-Bank PRO berbasis mobile pada telepon selular Nasabah.
Make sure the mobile phone number that has been registered on the Danamon system is the same active mobile phone number used. Changing the mobile phone number can be done through Hello Danamon or the nearest Danamon Branch.
The Software Token feature will not be visible to customers who have not registered/activated the mobile-based D-Bank PRO Service on their smartphones. If the customer has already registered/activated, the Software Token icon will be visible on the Login screen located at the bottom of the screen. For complete instructions, please refer to the D-Bank PRO Service Product Information page.
Yes, the Software Token generates Confidential Token Codes online so you
must have an active Internet connection on your mobile phone.
Customers must enter the mPIN that was created during registration / activation of the D-Bank PRO Service. Afterwards, the Software Token can generate APPLI 1 and APPLI 2 which will need to be entered by the customer when performing transactions on the website-based D-Bank PRO Service in accordance with the instructions indicated on its transaction screen.
APPLI 1 is a Confidential Token Code that can be generated from the Software Token and then entered on the website-based D-Bank PRO Service to continue the Banking Transaction. This applies for every website-based D-Bank PRO Service transaction that requires a Confidential Token Code. Examples of transactions on web-based D-Bank PRO Services that require APPLI 1 include transfers to registered destinations, payments to registered destinations and others.
APPLI 2 is a Confidential Token Code in the form of a challenge code that must be entered into the Software Token in accordance with instructions from the website-based D-Bank PRO Service. This is a system generated response code that must be entered on the website-based D-Bank PRO Service application to continue banking transactions requiring a Confidential Token Code. Examples of transactions on the website-based D-Bank PRO Service that require APPLI 2 refer to transfers to destinations that have not been registered, payments to destinations that have not been registered, and others.
For security reasons, the validity period of the APPLI 1/APPLI 2 Confidential Token Code is only 5 (five) minutes.
If the Software Token is locked/blocked due to three consecutive errors, the customer must contact Hello Danamon to reset the mPIN, and reactivate to create and activate a new mPIN and Software Token.
If you use the same smartphone, you can continue to use the D-Bank PRO
Service that has been previously registered but you are encouraged to
update / make data changes through the branch.
If the customer fails to notify the Bank of the change in mobile phone
number, the customer will not receive information regarding the status of
his/her Financial Transactions and information related to other D-Bank PRO
Services.
D-Bank PRO Service offers a variety of transactions to simplify and conveniently fulfill your needs. Customers can refer to the list of transactions on the Summary of Product Information (SPI) or on the D-Bank PRO Transaction Fee Page which can be accessed through the Danamon corporate website.
Transfers to Danamon accounts with the same currency can be performed at any time of the day, while transfers to Danamon accounts with different currencies can be performed during business days, from 00:00 WIB until 19:00 WIB.
Transactions can be performed during business days, from 09:00 WIB until -15:00 WIB.
It is only possible for currencies that correspond to the savings/current
account products available at Danamon (e.g. IDR, USD, SGD, AUD, NZD, EUR,
GBP and CNY).
Examples of allowed transactions: Transfer from USD to
USD account, transfer from USD to AUD account, transfer from IDR to USD
account with the same CIF or transfer from IDR to AUD account with the
same CIF.
Examples of transactions that are not allowed: Transfer
from IDR to USD account with different CIF, transfer from IDR to AUD
account with different CIF.
In accordance with Bank Indonesia regulations, the purchase of foreign
exchange against Rupiah by the customer to the Bank without an Underlying
Transaction can only be done up to a maximum value worth USD 25,000.00
(Twenty Five Thousand United States Dollars) or its equivalent, per month
per Customer.
The foreign exchange purchase limit against Rupiah without Underlying Transaction takes into account all foreign exchange purchase transactions against the Rupiah performed by the customer across all Bank channels. Once the customer has reached the maximum limit of foreign exchange purchases against the Rupiah, then he/she can perform foreign exchange purchases against the Rupiah through the branch by following the provisions regarding foreign exchange transactions against the Rupiah, which include attaching the Underlying Transaction.
No, only current transactions can be performed for transfers in different currencies to Danamon accounts, and forex transfers to other bank accounts.
For details on nominal limits for transactions through D-Bank PRO Services, you may refer to the Summary of Product Information (SPI) or the D-Bank PRO Transaction Fee Page which customers can access through Danamon corporate website.
For details on nominal limits for transactions through D-Bank PRO
Services, you may refer to the Summary of Product Information (SPI) or the
D-Bank PRO Transaction Fee Page which customers can access through Danamon
corporate website.
Customers can register using a joint account, classified as either "joint
or" or "joint and".
Customers with "joint or" accounts can perform financial and non-financial transactions through D-Bank PRO Services just like other savings accounts (CASA), but customers with "and" accounts cannot perform financial transactions through D-Bank PRO Services.
Customers cannot use D-Bank PRO Services if their Debit/ATM Card is blocked. Customers must visit the nearest branch to unblock the blocked Debit/ATM Card to resume using D-Bank PRO Services.
Customers are not allowed to use the following six special characters in
any type of transaction data " ´ ; < > –
These characters are not permitted to ensure protection of D-Bank PRO Services from threats by irresponsible or unauthorized parties.
The transfer options available on D-Bank PRO Services are Online transfer (ATM Bersama/ALTO/PRIMA), SKN, RTGS and BI Fast.
SKN and RTGS transactions can be performed during operational hours established by Bank Indonesia. Transactions sent outside operating hours or on holidays will be processed and debited on the next business day.
No, Online transfer services (ATM Bersama/ALTO/Prima) and BI Fast are available 24 (twenty-four) hours a day and 7 (seven) days a week.
With online transfer services (ATM Bersama/ALTO/Prima), recipients will immediately receive funds in their accounts and the recipient’s name will be displayed to confirm transfers prior to every transaction.
To confirm whether the transaction has been successful or not, the Customer can check through the Customer's account statement on D-Bank PRO Service or the Customer can contact Hello Danamon.
Every time a financial transaction is performed through D-Bank PRO Services, the customer will receive a reference number. Customers can print/save the proof of reference number.
D-Cash is a Cardless Cash Withdrawal feature at Danamon ATM machines
marked or labelled with the D-Cash sign and Indomaret*. To do this,
customer needs to first make a reservation on the website-based D-Bank PRO
Service and/or mobile-based D-Bank PRO Service.
*Indomaret is currently Bank Danamon’s partner merchant for D-Cash Cardless Cash Withdrawal. There will be more partner merchants offering cardless cash withdrawals soon. Customers can perform cash withdrawals via the merchant whose name appears in the 'Withdrawal Type' option.
BI Fast is the process of transferring funds from a customer's account at Bank Danamon to another bank’s customer who is listed as a BI Fast participant. The process is done using an account number, mobile phone number or e-mail address that has been linked to the account number and registered at another bank in Rupiah currency, where funds are immediately received into the recipient's account.
The features of BI Fast that are available on the D-Bank PRO Service include:
Customers can see the list of BI Fast Proxies registered at Bank Danamon and other banks, view the list of mobile phone numbers and/or e-mails as BI Fast Proxies, change the registered account number in BI Fast Proxy, delete or unregister BI Fast Proxy, and port BI Fast Proxy from other banks.
Proxy is an alias for a customer's account number which is linked to a mobile phone number or e-mail address.
Yes. The BI Fast Proxy information registered at other banks can also be displayed if the other bank's Proxy is registered for the same Customer Identity File as the one registered in the Bank Danamon system. The Customer Identity File refers to the CIF indicated on the KTP or Temporary KTP, Passport and KITAS.
BI Fast Proxy Register is the process of enrolling the customer's mobile phone number and/or e-mail address registered in the Bank Danamon system as an alias for the customer's account number at Bank Danamon.
A customer's account that is linked to Proxy BI Fast will be able to receive fund transfers from other banks through BI Fast service.
The Customer can update his/her data first by contacting Hello Danamon (1-500-090 or hellodanamon@danamon.co.id) or visiting the nearest Bank Danamon Branch.
One Proxy (mobile phone number or e-mail address) of the customer can only be linked to one Bank Danamon account number, but one Bank Danamon account number can be linked to one or more Customer Proxies (mobile phone numbers and e-mail addresses), as shown in the following diagram.
Change Proxy BI Fast is the process of changing the account number linked to the Proxy cellphone number and/or e-mail address registered at Bank Danamon.
No. Changes to the mobile number and/or e-mail address can only be made through Hello Danamon (1-500-090 or hellodanamon@danamon.co.id) or through a Bank Danamon Branch.
The Delete/Unreg Proxy BI Fast is the process of erasing the Proxy mobile number and/or e-mail address registered at Bank Danamon.
The customer's Proxy will no longer be stored in the BI Fast system and cannot be the destination of fund transfers from other banks made through the BI Fast service.
Yes, the customer can re-register the Proxy mobile phone number and/or e-mail address that has previously been deleted/unregistered.
BI Fast Proxy Porting is the process of transferring Proxies registered at other banks to Bank Danamon.
The following are the requirements for porting another bank's Proxy to Bank Danamon:
Yes, Bank Danamon will send an e-mail notification to the customer's e-mail address registered at Bank Danamon for successful BI Fast Proxy List, Change BI Fast Proxy, Delete/Unreg BI Fast Proxy and Porting BI Fast transactions. In addition, push notifications can be viewed on the customer's device and on the D-Bank PRO Service.
No, you do not need to register your mobile number and/or e-mail address as BI Fast Proxy to transfer funds to other banks through BI Fast service.
No, the BI Fast service only applies to fund transfers to other banks that are BI Fast participants.
Customers can view the transaction history of BI Fast transfer transactions that have been performed on the 'Transaction History' menu which is found in the D-Bank PRO Service. In addition, an e-mail notification will be sent to the customer's e-mail address registered with Bank Danamon for BI Fast transfer transactions. In addition, push notifications that can also be seen on the customer's device and on the D-Bank PRO Service.
For details on the nominal limit for transactions through the D-Bank PRO Service, please refer to the Summary of Product Information (SPI) or the D-Bank PRO Transaction Fee Page which the customer can access through the Danamon corporate website.
For details on the nominal limit for transactions through the D-Bank PRO Service, please refer to the Summary of Product Information (SPI) or the D-Bank PRO Transaction Fee Page which the customer can access through the Danamon corporate website.
At present, the Debit Card features available in the D-Bank PRO Service include:
Customers can only link a maximum of 15 accounts into a single (one) debit card (including the main/principal account).
The main (principal) account is the account used as a source of funds for transactions performed via EDC and e-commerce (online debit).
Customers who can perform debit card activation on D-Bank PRO are those who already have a D-Bank PRO User ID and password, and have a debit card with 'Inactive' status.
For debit cards taken at Danamon branches, debit card activation will be
carried out by officers at the branch. For debit cards sent to your
address, then
Debit card activation can be done via D-Bank PRO
At present, the Credit Card features available in the D-Bank PRO Service include:
Yes, a Credit Card that has been previously registered as a D-Bank PRO User ID can be linked to another D-Bank PRO User ID. After the Credit Card link process is confirmed successful, the D-Bank PRO User ID previously registered using a Credit Card will be automatically deactivated.
The Credit Card Summary will be displayed once the Customer has successfully performed the Credit Card Link process on the D-Bank PRO Service. Credit Card Summary can be accessed in 2 (two) ways, notably:
or
The feature to view the recent Credit Card transaction on the D-Bank PRO Service allows holders of Credit Cards to view all outstanding transactions on their Credit Card account..
Saat ini fitur Aktivasi Kartu Kredit sudah dapat diakses oleh Nasabah melalui Layanan D-Bank PRO melalui tombol ‘Aktivasi Sekarang’
Currently, the Credit Card Activation feature can be accessed by customers via the D-Bank PRO Service, specifically the 'Activate Now' button.
Credit Card Link is an existing feature on the D-Bank PRO Service which allows holders of Credit Cards to link their respective Credit Cards to his/her D-bank PRO account..
This feature can be accessed via the existing 'Profile' menu. Selecting the 'Link to Amex Credit Card/Charge Card' sub-menu. After successfully linking the Credit Card, the customer's Credit Card account will appear on the existing 'Account' menu page.
Holders of Credit Cards can view the summary of the Credit Cards owned in the existing 'Account' menu, under the 'All' or 'Credit Card' categories.
The Principal Credit Card homepage is a new page on the D-Bank PRO Service which contains summarized information about the Principal Credit Card, as well as widgets to access other Credit Card features.
This homepage can be accessed via the existing 'Account' menu of the 'Credit Card' or 'All' categories. If the customer selects a new or active Credit Card account in the 'Account' menu, he/she will be able to access the Principal Credit Card homepage for the Credit Card account.
The Supplementary Credit Card homepage is a new page on the D-Bank PRO Service which contains summarized information regarding the Supplementary Credit Card/s.
This homepage can be accessed via the new Principal Credit Card ‘homepage’ (for details of this new feature, refer to section “6.1.3 Principal Credit Card homepage”). On the Principal Credit Card homepage, holders of Supplementary Credit Cards can choose to view their Supplementary Card information.
This new Credit Card activation feature in the D-Bank PRO Service enables new and existing credit cardholders to activate their respective principal and supplementary credit cards. This activation feature is applicable for a new card, a replacement card, or a renewed card.
This feature can be accessed in 2 (two) ways, particularly:
In the existing 'Account' menu, go to the 'Credit Card' or 'All' category,. Then activate the principal credit card by pressing the activation button on an inactive credit card account.
On the Principal/Supplementary Credit Card homepage (for details of this new feature, refer to the sections “6.1.3 Principal Credit Card homepage” and “6.1.4 Supplementary Credit Card homepage”), an activation button will be displayed on inactive cards. Holders of Credit Cards can press the activation button to activate their respective Credit Cards.
The new Credit Card Change PIN feature in the D-Bank PRO service allows holders of Credit Cards to change the PIN of their respective Principal or Supplementary Credit Cards.
This feature can be accessed via the 'Manage Cards' menu, which is located at the top of the Principal Credit Card homepage (for details of this new feature, refer to the section "6.1.3 Principal Credit Card Homepage"). On the 'Manage Card' page, press the 'Change PIN' button. Holders of Credit Cards can choose the card, whose PIN will be changed, according to the number and type of card displayed. Once the cardholder successfully changes the PIN via the D-Bank PRO Service, the PIN registered in the system will automatically be changed. Cardholders will also receive notifications regarding the successful transaction in the form of a push notification on the D-Bank PRO application, SMS and e-mail.
The Credit Card e-Statement feature in the D-Bank PRO Service allows holders of Credit Cards to view and download the e-statement (billing statement) of their respective Credit Card accounts.
The e-Statement Registration is a feature of the D-Bank PRO Service which allows holders of Credit Cards, who previously received printed and delvered credit card bills (billing statements), to register their Credit Card bills as an e-Statement (Electronic Statement) format. Once the cardholder registers his/her e-mail in the e-Statement Registration feature, the Credit Card e-Statement will be sent to the registered e-mail address.
The Additional Principal Credit Card (Add-On) request feature in the D-Bank Pro Service allows holders of Credit Cards to request for Credit Card products which he/she does not yet have/own.
This Additional Principal Credit Card request feature can be accessed in 2 (two) ways, notably:
In the 'Credit Card' category of the existing 'Account' menu, customers can submit a request for a new Additional Principal Credit Card by pressing '+ Apply for a New Card' button.
On the Principal/Supplementary Credit Card homepage (for details of this new feature, refer to section "6.1.3 Principal Credit Card Homepage"), cardholders can submit a request for an Additional Principal Credit Card via the '+ Apply for a New Card' widget.
The Supplementary Credit Card request feature of the D-Bank Pro Service allows holders of Credit Cards to request Credit Cards that can be used by his/her family member/s.
This Supplementary Credit Card Request feature can be accessed through the Principal/Supplementary Credit Card homepage (for details of this new feature, refer to section “6.1.3 Principal Credit Card homepage”). Cardholders can request a Supplementary Credit Card via the 'Supplementary Card' widget.
The Money Transfer request feature of the D-Bank Pro Service allows the holder of a Credit Card to withdraw part of its Principal Credit Card balance to his/her savings account, which can be either a savings account at Bank Danamon or in another bank.
This Money Transfer request feature can be accessed via the Principal/Supplementary Credit Card homepage (for details of this new feature, refer to section “6.1.3 Principal Credit Card Homepage”). Cardholders can submit Money Transfer requests via the 'Money Transfer' widget.
The new Autopay Registration feature on the D-Bank PRO Service allows the holder of a Credit Card to register one of his/her savings accounts to automatically make payments on his/her chosen Credit Card bill. Customers can choose to register Autopay to settle the entire cost of the bill or minimum required payment.
This Autopay request feature can be accessed through the Principal Credit Card homepage. Customers can register for Autopay via the 'Autopay' widget.
The Autopay Summary feature on the D-Bank PRO Service allows holders of Credit Cards to view details of their Autopay status which is already effective. Cardholders can make changes to the payment amount if desired.
This Autopay Summary feature can be accessed via the Principal Credit Card homepage, where the 'Autopay' widget is located. Autopay’s detailed information to be displayed includes card number, savings account automatic payments and payment amount (minimum or full payment).
The new Credit Card Blocking feature on the D-Bank PRO Service allows holders of Credit Cards to temporarily block their Credit Cards. After successfully using this feature via the D-Bank PRO Service, the card will automatically be blocked in the system.
The Credit Protection is a feature of the D-Bank PRO Service that enables holders of Credit Cards to obtain protection/insurance for their Credit Card bills. This is useful particularly in case of the cardholder’s untimely demise, total temporary incapacity, total permanent incapacity, or critical illness. This Credit Protection will be applied to Credit Card holders in the next billing period after the Customer successfully registers via the D-Bank PRO Service. This feature will be available in D-Bank PRO in the near future.
My Own Installment (MOI) is a new feature on the D-Bank PRO Service which allows holders of Credit Cards to make changes or convert their payment transactions and/or Credit Card bills into installments.
In My Own Installment (MOI) Transaction, customers can change or convert their Credit Card payment transactions into installments. On the other hand, for the My Own Installment (MOI) Statement, customers can change (convert) their Credit Card bills into installments.
The new Credit Card Installment Info feature on the D-Bank PRO Service enables Credit Card Customers to view and monitor installments regarding payment transaction changes (conversions) that have been made through My Own Installment (MOI) feature.
The new Bill Registration feature in the D-Bank PRO Service enables cardholders to register their own Credit Card/s to automatically perform selected bill payment transaction/s based on the categories of available service providers.
The new Registered Bill Summary feature in the D-Bank PRO Service enables holders of Credit Cards to view details of their registered bills.
The new Points Exchange feature on the D-Bank PRO Service allows holders of Credit Cards to exchange or redeem their collected points. It also enables cardholders to view the history of their last points exchange/redemption.
The Danamon Paylight Card, which is a Danamon Credit Card product with a low limit, takes the form of a Virtual Credit Card. To avail of a Danamon Paylight Card, customers can register via Digital Onboarding.
The features that can be accessed include:
The Card Subscription Package Promo refers to the feature wherein Customers can purchase/subscribe to various packages offered. This benefits participating Customers in terms of special promotions and personalized card displays.
Through the change card appearance feature, cardholders can personalize the appearance of their card’s display on the homepage.
Danamon Save Plus savings helps you manage your finances for various needs, both in terms of monthly expenses and long-term planning needs.
Only a savings and current account (CASA) type can be used to open D-Save Plus.
The initial deposit for Danamon Save Plus is worth IDR 100,000 .
The features found in Danamon Save Plus pertain to top-up Danamon Save Plus balance, change plans and view Danamon Save Plus transaction history. For detailed provisions regarding Danamon Save Plus, access the Danamon Save Plus product page at https://www.danamon.co.id .
Time deposits that have been placed can be changed by accessing the time deposit change menu
A savings and current account (CASA) can be used to open a time deposit account.
D-Bank PRO offers a well selected variety of savings products offering various benefits. Apart from Rupiah savings, customers can also open foreign currency savings. The savings products offered include:
Customers can open a savings account via the "Transaction" menu. In the Open Savings menu, choose your desired savings product based on your needs and preference.
An iB USD Savings Account can only be accessed and opened during weekdays, from 09:00 until 15:00 WIB.
The QRIS-based contactless payment refers to a method of payment, specifically by scanning the merchant’s available barcode/QRIS Code or uploading a photo of the barcode/QRIS Code available in the device gallery. The Bank can process payments for Barcodes/QR Codes that follow regulations of the National Implementation Standards of Quick Response Code for Payments. Currently, the QRIS-based contactless payment menu is only available on the D-Bank PRO Mobile application.
The types of accounts that can be used to make QRIS-based contactless payments are applcable for savings and current accounts (CASA).
The QRIS payment with Credit Card is a QRIS-based payment feature using the credit card as payment source. With this feature, customers can choose his/her credit card, instead of other funds such as savings, as the source of funds.
Adira Payment refer to one of the options on the 'Insurance' menu provided by Danamon. This option can be used to pay for Adira Insurance.
The type of account that can be used to perform Adira payments is a savings and current account (CASA).
No time limit. Adira payment transaction services can be performed and processed 24 (twenty-four) hours a day and 7 (seven) days a week.
Telkomsel Internet Data Package Top-up refers to one of the options on the 'Internet Data Package' menu provided by Danamon. This option can be used to top-up Telkomsel Internet Data Packages.
The type of account that can be used to top-up Telkomsel Internet Data Packages is a savings and current account (CASA).
No time limit. You can avail of the Telkomsel Internet Data Package top-up service any time (24 hours) and any day (7 days a week).
Through the D-Bank PRO Service’s Message/Information feature, customers can review a summary of their financial and non-financial transactions that have been performed on the D-Bank PRO Service.
Biometric Login is a login process that uses customer identity verification. This process may involve scanning fingerprint or analyzing facial features (facial recognition/Face ID).
Customers can change Biometric Login settings in the Profile menu. The changes in the settings include enable/disable Biometric Login and resetting Biometric Login.
The Bulk Transfer feature allows customers to perform online bulk fund transfers between Danamon accounts.
The types of accounts that can be used for Bulk Transfers are current and savings accounts (CASA).
There is no time limit. Bulk Transfer services are provided anytime (24 hours a day) and any day (7 days a week).
As one of the features provided by Danamon, the e-Commerce Payment Transactions make it easier for customers to pay for their online shopping on various merchant websites.
The types of accounts that can be used for e-Commerce Payment Transactions are current and savings accounts (CASA).
No time limit. Customers cann avail of the e-Commerce Payment Transaction services any time (24 hours a day) and any day (7 days a week).
With the Profile Menu, customers can manage their respective Profiles according to their needs.
Every time a customer changes data in the Settings menu via the D-Bank PRO Service, he/she will receive proof of change through a reference number. Customers can opt to either print or save this reference number as proof.
D-Bank PRO offers a wide selection of savings products with various beneficial options. Apart from Rupiah savings, the products also accept foreign currency savings. The savings products offered include:
You can open savings account via the "Transactions" menu. Then under the ‘Open Savings’ sub-menu, choose the desired and preferred savings product.
Opening a foreign currency savings account can only be performed on weekdays, from 09:00 until 15:00 WIB.
To view the account opening status, access the “Open Savings” and view account opening status. In addition, your e-mail address, which was registered in the Bank system, will receive a notification regarding the status of the account opening.
The delivery of Danamon Debit/ATM card takes a maximum of 14 working days.
The delivery of Danamon Debit/ATM card takes a maximum of 14 working days.
You can request and claim the Danamon Debit Card at your nearest Danamon branch. You will not be charged if you claim your Danamon Debit Card after 14 working days from the date of request. Beyond these conditions stated, you will be charged a Danamon Debit Card fee amounting to IDR 25,000, along with the fee for the documentary stamp worth IDR 10,000- .
For ATM/Debit Cards claimed from Danamon branches, the assigned branch officer will perform the activation of the ATM/Debit Card. On the other hand, for the ATM/Debit Card sent to your address, you can activate the ATM/Debit Card via D-Bank PRO by entering the requested data, including MPIN or APPLI 1 for confirmation.
You can activate the card by opening the profile menu. Then select the ATM/Debit Card Activation menu.
Creating an ATM/Debit Card PIN can be done upon activating the ATM/Debit
Card on the D-Bank PRO application. This ATM/Debit Card PIN automatically
becomes your TPIN
(Telephone PIN).
The Sharia iB Savings Plan (TPS Account) is a product that complies with Sharia principles for managing finances when planning various needs and purposes. These may include saving for Hajj and Umrah religious pilgrimages, children's education, downpayment for home purchase, and other similar needs in accordance with Sharia principles.
An App User who opens a TPS Account via the D-Bank PRO Application refers to any individual who already has an existing active savings account at Bank Danamon. Opening a TPS Account via D-Bank PRO is intended for savings purposes, including planning for Hajj.
The type of account that can be used to open a Sharia Savings Plan Account is a current or savings account in Rupiah currency.
The required initial deposit for Sharia Savings Plan is worth IDR 10,000 .
Customers can save for a minimum of 3 months up to a maximum of 20 years.
No, the Sharia Savings Plan can only be used for routine savings.
Customers can choose daily, weekly or monthly routine deposit period with a minimum regular deposit, as follows:
a. Daly minimum Rp 5.000
b. Weekly minimum Rp 50.000
c. Monthly minimum Rp 100.000
Customers can change plan details, such as target completion date,
transfer amount,
transfer period and the target amount to be completed via D-Bank PRO. To
change plan details, customers can go to the Savings Plan account details
and select the “Edit Plan” option.
A customer can top-up his/her balance without affecting the existing pre-determined transfer schedule. You can do this by selecting the "Top Up" option on the Sharia Savings Plan details.
Once you have reached your target, you can close the Sharia Savings Plan through D-Bank Pro by selecting the option to open a Hajj Pilgrimage Savings Account. You will then be directed to the Hajj registration process.
Customers can close Sharia Savings Plan only through D-Bank PRO. To close the account, select the 'Close Plan' option on the Sharia Savings Plan details.
If funds are insufficient, Bank Danamon will not execute the funds transfer process from the Source Account to the TPS Account. In the next debit period, the Bank will execute the process of debiting funds from the Source Account according to the customer’s chosen nominal value, and this debit will not be accumulated with the nominal amount that failed to be debited during the previous debit period.
No, the account closure process can only be performed by the Customer via D-Bank Pro.
No, the customer will not get a Debit Card.
i. If the transaction is successfully authorized before the timer runs out, then the indicated exchange rate will be the rate used for foreign exchange transfer transactions. Although exchange rates may vary, the exchange rate used will therefore not change when funds are transferred.
ii. If the timer, however, runs out before the transaction authorization is successful, the applicable exchange rate may possibly change. In this case, the customer needs to re-authorize the transaction.
For information on transfer fees to other banks, please access the website link https://www.danamon.co.id/id/Bisnis/CashManagement/Payment-Service/Domestic-Transfer-and-Remittance.
If a foreign exchange transfer to either a local bank or international bank account fails during processing, the bank will return the processed funds to the customer's account in accordance with applicable regulations.
The daily foreign exchange transfer limit on the D-Bank PRO Service amounts to IDR 2,000,000,000 or its equivalent in other currencies (calculated using the applicable exchange rate during Foreign Exchange Transaction Service Hours). Calculation of the daily foreign exchange transfer limit takes into consideration accumulation of other transfer transactions performed on the Bank’s other electronic channels.
A customer has a monthly foreign exchange transfer limit from a Rupiah account via the D-Bank PRO Service worth a maximum of USD 100,000 or its equivalent. If the transaction exceeds the monthly foreign exchange transfer limit, the transaction will not be processed. Calculation of the monthly foreign exchange transfer limit from a Rupiah account takes into consideration accumulated value of other transactions performed in the Bank’s branches and other channels.
Foreign exchange transfer transactions that exceed USD 100,000 or its equivalent cannot be performed via D-Bank PRO Services. In such cases, customers should proceed to the nearest Bank Danamon branch to perform or continue foreign exchange transfer transactions worth more than USD 100,000 and submit supporting documents (underlying transactions).
By using FX Live Rate, transactions can be performed using a more competitive conversion rate. For instance, if a customer uses the Counter Rate to perform a USD to IDR foreign exchange transfer, the conversion rate that will be used is USD 1 : IDR 15,156. On the other hand, if a customer avails of the FX Live Rate, then the conversion rate shall be USD 1 : IDR 15,348.
The transaction time is from 09:00 until 15:00 because the conversion rate that will be used represents a near real-time conversion rate wherein the rate referred to adjusts according to currency fluctuations or movements in the financial market. Therefore, the FX Live conversion rate is only available when the market is open, specifically from 09:00 until 15:00.
Foreign exchange transfers using a similar currency can still be performed accordingly, particularly 24 hours a day and 7 days a week. If a customer needs to perform a foreign exchange transfer outside or beyond trading hours, the transaction can still be executed by performing a foreign exchange transfer in the same currency (for example, USD into USD or SGD into SGD).
When using FX Live Rate, the conversion rate’s special value will be valid only for 15 seconds starting from the time that the customer continues the transaction on the confirmation page. If the customer fails to accomplish or fulfill the transaction within 15 seconds, the system will automatically update the conversion rate which the customer can use for his/her current transaction.
There are no additional fees. The customer's fund source account will only be debited based on the Equivalent Amount stated on the confirmation page.
D-Bank PRO Services can perform transactions involving 9 (nine) foreign currencies, notably USD, AUD, SGD, EUR, JPY, CNY, GBP, NZD and CHF.
The same currency foreign exchange transfer service between bank customer accounts at D-Bank PRO is available any time (24 hours) and any day (7 days a week).
Currently, customers can only perform foreign exchange transfers using a fund source account with a foreign currency.
Foreign exchange transactions that have been authenticated via D-Bank PRO Services cannot be cancelled.
To check the status of foreign exchange transfers, go to the Transaction History menu. Then, select "Forex Transactions" in the Transaction Type field. Aside from this, you can also check the transfer confirmation status by reviewing the notifications sent to your registered e-mail.
If a foreign exchange transfer to either a local bank or an international bank account fails, the Bank will return the processed funds to the customer's account, in accordance with applicable regulations.
The daily foreign exchange transfer limit on the D-Bank PRO Service amounts to IDR 2,000,000,000 or its equivalent in other currencies (calculated using the applicable and prevailing exchange rate during Foreign Exchange Transaction service hours). The calculation of the daily foreign exchange transfer limit takes into consideration accumulated transfer transactions performed through other electronic channels at the Bank.
Foregn exchange transactions with other banks (local or international) can use a Rupiah account as the source of funds. Particularly for local banking purposes, the use of Rupiah as a fund source account can only be done based on the condition that the sender and recipient are the same person (identical).
Foreign exchange transfer services to other bank accounts (local or international) via D-Bank PRO are available from 09:00 until 15:00.
i. If the transaction authorization is successfully executed before the timer runs out, then that corresponding exchange rate will be used for the foreign exchange transfer transaction. As such, the exchange rate used will not change when funds are sent, even though exchange rates may vary,
ii. On the other hand, if the timer runs out before the transaction authorization is successful, the customer needs to re-authorize the transaction because the applicable exchange rate may change.
To perform a foreign exchange transfer transaction to a local bank or an international bank account, please select the "Transfer" menu on the D-Bank PRO Services homepage. Then select “Forex Transfer” and accomplish the transaction instruction information on the ‘Fill In’ screen.
The SWIFT code, which is a standard format used when making international transfers between banks and financial institutions, identifies particular banks that are members of the Society for Worldwide Interbank Financial Telecommunication (SWIFT). The SWIFT code, which is also known as Bank Identifier Code (BIC), consists of a set of 8 or 11 digits that represents a particular bank.
If the customer does not know the SWIFT code of the Receiving Bank, he/she can search for the name of the Receiving Bank by clicking "Search Bank Name" on the D-Bank PRO Service when filling in the transfer recipient details. Then, select the destination country and bank name. The SWIFT code will appear automatically.
Currently, customers can only perform foreign currency transfers abroad using a fund source account with a foreign currency.
Transfers to Bank of Ayudhya (Krungsri) accounts are subject to more competitive transfer fees and special fixed rates. Customers can select the Destination Bank "Bank Krungsri" on the D-Bank PRO Service.
Transactions that have been authenticated by D-Bank PRO Services cannot be cancelled.
Customers can check the status of foreign exchange transfers through the app’s Transaction History menu. Select "Forex Transactions" in the Transaction Type field. In addition, customers can check the transfer transaction status from the notifications which were sent to the registered e-mail address.
If a foreign exchange transfer to either a local bank or international bank account fails, the Bank will return the processed funds to the customer's account in accordance with applicable regulations.
For more information and details on transfer fees to other banks, please access https://www.danamon.co.id/-/media/ALL-CONTENT-PERSONAL-BANKING/PDF-DLL/D-Bank-PRO/RIP-TNC-FAQ /v2/DBank-Product-Service-Information Summary-PROv111.pdf?la=en&hash=D36707E20D86FCFACC0F21AFC43EEB9A802FDAB8
D-Bank PRO Services can process transactions in 9 (nine) foreign currencies, notably USD, AUD, SGD, EUR, JPY, CNY, GBP, NZD and CHF.
Foreign exchange transaction services at D-Bank PRO are available from 09:00 until 15:00.
The prevailing exchange rate, which was indicated on the Confirmation Page when the transaction was authorized, will be when performing a foreign currency transaction. On the Confirmation Page, take note of the timer which is located on the right side of the "Conversion Rate".
i. If the transaction authorization is successfully executed before the timer runs out, then that corresponding exchange rate will be used for the foreign exchange transfer transaction. As such, the exchange rate used will not change when funds are sent, even though exchange rates may vary,
ii. On the other hand, if the timer runs out before the transaction authorization is successful, the customer needs to re-authorize the transaction because the applicable exchange rate may change.
The currency value (exchange rate) on the D-Bank PRO Service is more competitive than the exchange rate at the Bank Danamon branches.
Currency exchange rates are available in the "Forex Transactions" menu on the D-Bank PRO Service. To view all currency exchange rates, follow the steps below:
a. press "Forex Transactions" on the D-Bank PRO homepage;
b. press "Continue" to agree to the Terms & Conditions for Foreign Exchange Transactions via D-Bank PRO Services; and
c. press “View FX Rates”, then the prevailing exchange rates for the 8 (eight) currencies will be displayed on the screen.
To view updated exchange rates, which fluctuate and can change at any time, press the "Refresh" button.
Foreign exchange purchase and sale transactions can be done through the personal account.
a. Press the "Forex Transactions" menu on the D-Bank PRO Services homepage.
b. Press "Continue" to agree to the Terms & Conditions for Foreign Exchange Transactions via D-Bank PRO Services. The Terms & Conditions for Foreign Exchange Transactions only need to be approved upon entering the "Forex Transaction" menu, or when there is an update to the Terms & Conditions.
c. After agreeing to the Terms & Conditions of Foreign Exchange Transactions, customers can perform any of the following:
i. Select the currency which is intended to be sold/purchased in the "Customer Sell" and "Customer Buy" fields. The indicative rate of the selected currency will be displayed. Customers can continue filling in transaction instructions by pressing "Continue"; or
ii. Press "View FX Rates" first to view the applicable currency rates during the FX Transaction service hours at Bank Danamon. Then, click the arrow, which is located on the right side of the currency, based on your selection to continue filling in the transaction instructions.
By using FX Live Rate, transactions can be performed using a more competitive conversion rate. For instance, if a customer uses the Counter Rate to perform a USD to IDR foreign exchange transfer, the conversion rate that will be used is USD 1 : IDR 15,156. On the other hand, if a customer avails of the FX Live Rate, then the conversion rate shall be USD 1 : IDR 15,345.
A customer has a monthly foreign exchange transaction limit from a Rupiah account via the D-Bank PRO Service worth a maximum of USD 100,000 or its equivalent. If the transaction exceeds the monthly foreign exchange transaction limit, the transaction will not be processed. Calculation of the monthly foreign exchange transaction limit from a Rupiah account takes into consideration accumulated value of other transactions performed in the Bank’s branches and other channels.
The daily foreign exchange transaction limit on the D-Bank PRO Service amounts to IDR 2,000,000,000 or its equivalent in other currencies (calculated using the applicable exchange rate during Foreign Exchange Transaction Service Hours). Calculation of the daily foreign exchange transaction limit takes into consideration accumulation of other transactions performed on the Bank’s other electronic channels.
Foreign exchange transactions using a Rupiah fund source account that exceed USD 100,000 or its equivalent cannot be performed via D-Bank PRO Services. In such cases, customers should proceed to the nearest Bank Danamon branch to perform or continue foreign exchange transactions worth more than USD 100,000 and submit supporting documents (underlying transactions).
The D-Bank PRO Service’s bank notes order feature consists of 5 (five) currencies, notably USD, SGD, AUD, EUR and JPY.
Currently, ordering bank notes via D-Bank PRO is only available at certain branches. When a customer performs transactions in his/her selected currency, the branch options will be displayed on the D-Bank PRO.
Currently, customers can only order bank notes according to the source currency of their account. For example, if a customer intends to order and collect USD bank notes, he/she should already have a USD account at Bank Danamon and ensure that there are sufficient funds available in the USD account for the nominal amount ordered (along with the corresponding transaction fees). The transaction cannot be processed if the customer does not have an account in the currency ordered or if there are insufficient funds in the account.
Currency denominations depend on the availability of foreign currency at the branch. Therefore, customers cannot choose the denomination of foreign currency ordered through D-Bank PRO Services.
For bank notes ordered between 06:00 WIB – 11:00 WIB, customers can choose the date to collect the bank notes at the branch. It can as soon as the succeeding working day (minimum next working day) and up to a maximum of five working days from the time the bank notes were ordered.
For bank notes ordered between 11:01 WIB – 18:00 WIB, customers can
choose the date to collect the bank notes at the branch. It can be as soon
as two working days later (after 2 days minimum) and up to a maximum of
five working days from the time the bank notes were ordered.
Claiming of bank notes can be done any time between 12:00 and 15:00 local time.
The table below indicates the corresponding prevailing fees charged for withdrawing bank notes.
|
Administration Fees for Ordering Bank Notes |
|||
|
Non-Affluent Segment |
Affluent Segment |
||
|
From Foreign Currency account Non-USD |
From USD currency account |
From Foreign Currency account Non-USD |
From USD currency account |
|
Administration fee 0.25% |
Accumulated total up to USD 5,000/day/account: free-of-charge
Additional administration fee of 0.25% from the total excess above USD 5,000/day/account |
Administration fee 0.25% |
Accumulated total up to USD 10,000/day/account: free-of-charge
Additional administration fee of 0.25% from the total excess above USD 10,000/day/account |
No, the bank notes orders that have been placed cannot be canceled via the D-Bank PRO Service. In order to cancel, please contact the selected Bank Danamon branch so that customer funds, which have been blocked for ordering bank notes, will be returned to the account. In this regard, the funds to be returned to the Customer's account refer to the number of bank notes ordered and the corresponding bank note withdrawal fee that the Customer has paid (if any) minus any applicable penalty fees.
Customers can only collect bank notes that have been ordered on the date selected for collecting bank notes at the branch. If the bank notes are unclaimed by the end of the collection date, the branch will charge the corresponding penalty fee and return the funds to the customer's account.
The penalty fee for canceling the collection of bank notes is 0.5% of the nominal amount of the bank notes ordered, with a minimum equivalent worth Rp 50,000.
No, someone else cannot collect the bank notes. Currently, collection of bank notes must be carried out by the customer concerned.
If the scheduled bank notes collection date falls on a banking holiday set by Bank Indonesia/government, the customer can collect the bank notes on the succeeding working day. For example: the date for collecting bank notes selected when placing an order via D-Bank PRO is 6 September 2021, but that day is a designated public holiday by Bank Indonesia/government; then the collection of bank notes should be performed on the following working day, specifically 7 September 2021.
The D-Bank PRO Service provides major important news bulletins concerning economics, business and other vital financial market data such as the stock market, bonds and Foreign Exchange Rates in the "Market Insight" menu.
The Market Insight menu can be accessed through the following steps:
a. press the "Forex Transactions" menu on the homepage of D-Bank PRO Services;
b. press "Continue" to agree to the applicable Terms & Conditions for Foreign Exchange Transactions via the D-Bank PRO Service (applicable only for first-time access to the "Forex Transaction" menu);
c. then press "Market Insight" sub-menu, wherein customers can access daily, weekly and monthly news via the featured daily, weekly and monthly market recap; and
d. choose the date or month based on the article or news item to be viewed.
Yes, the articles featured in Market Insight can be downloaded via the D-Bank PRO Service.
To purchase Autocillin Insurance through D-Bank PRO Service, follow these steps:
Yes, all these information are available on D-Bank PRO. The Car Insurance page has information concerning Benefits, Terms and Conditions, and Claims. Documents pertaining to Product Information Summary, Terms and Conditions, and Claim Information can be downloaded and saved in PDF format by accessing any of the following links:
Information related to the Product Information Summary, which is in accordance with the submitted/uploaded insurance data, can be found on the Order Review page. Press the Information Summary of Product and Service Personal Version link, which can be either read or downloaded in PDF format.
The customer is required to update his/her data by visiting the nearest Bank Danamon Branch.
No, the application will not be immediately rejected. The Insurer will initially conduct a verification process. During working hours, the Insurer will contact the mobile phone number and e-mail address, which were registered in the Bank's system when applying for insurance, to complete the documents that failed to meet the requirements. If the required documents are not completed for more than 1x 24 hours, starting from the time that the Autocillin Insurance purchase transaction was sent through D-Bank PRO, the Autocillin Insurance application will be rejected.
There shall be no actual vehicle inspection. The Insurer validates and verifies the vehicle data that have been uploaded when filling in the insurance data in D-Bank PRO.
Yes, the fund source account can be chosen on the Review Order page in D-Bank PRO provided that the balance in the selected fund source account is sufficient to pay the total premium. If the available balance is insufficient to pay for the total premium, the Autocillin Insurance purchase process cannot continue.
The Insurance Policy will be sent once the insurance purchase application has been approved by the Insurer within 1 x 24 hours.
Yes, you will receive a notification, along with insurance documents (including e-policies), in the form of an e-mail sent by the Insurer.
Customers can view the status of their Autocillin Insurance purchase application on the "My Insurance" tab in the Insurance menu.
If there is a data input error after the insurance purchase transaction has been completed, customers can contact Zurich Care through 1500 456 to make changes. Any revisions or update to the data will not affect the calculation of premiums that have been paid.
No, the name of the Insured does not have to be the same as the name of the one who ordered or account owner/holder on the D-Bank PRO application. The account owner/holder can order vehicle insurance for anyone, based on his/her affinity, and perform premium payments using his/her account registered in the D-Bank PRO application.
To purchase a Motopro Insurance via D-Bank PRO, follow these steps:
Yes, all these information are available on D-Bank PRO. The Motorbike Insurance page has information concerning Benefits, Terms and Conditions, and Claims. Documents pertaining to Product Information Summary, Terms and Conditions, and Claim Information can be downloaded and saved in PDF format by pressing any of the following links:
Information related to the Product Information Summary, which is in accordance with the submitted/uploaded insurance data, can be found on the Order Review page. Press the Information Summary of Product and Service Personal Version link, which can be either read or downloaded in PDF format.
The customer is required to update his/her data by visiting the nearest Bank Danamon Branch.
Yes, you can still purchase Motopro Insurance by selecting the BASTK option when entering information/data regarding the vehicle ownership certificate.
No, the application will not be immediately rejected. The Insurer will initially conduct a verification process. During working hours, the Insurer will contact the mobile phone number and e-mail address, which were registered in the Bank's system when applying for insurance, to complete the documents that failed to meet the requirements. If the required documents are not completed for more than 1x 24 hours, starting from the time that the Motopro Insurance purchase transaction was sent through D-Bank PRO, the Motopro Insurance application will be rejected.
There shall be no actual vehicle inspection. The Insurer validates and verifies the vehicle data that have been uploaded when filling in the insurance data in D-Bank PRO.
Yes, the fund source account can be chosen on the Review Order page in D-Bank PRO provided that the balance in the selected fund source account is sufficient to pay the total premium. If the available balance is insufficient to pay for the total premium, the Motopro Insurance purchase process cannot continue.
The Insurance Policy will be sent once the insurance purchase application has been approved by the Insurer within 1 x 24 hours.
Yes, you will receive a notification, along with insurance documents (including e-policies), in the form of an e-mail sent by the Insurer.
Customers can view the status of their Motopro Insurance purchase application on the "My Insurance" tab in the Insurance menu.
If there is a data input error after the insurance purchase transaction has been completed, customers can contact Zurich Care through 1500 456 to make changes. Any revisions or update to the data will not affect the calculation of premiums that have been paid.
No, the name of the Insured does not have to be the same as the name of the one who ordered or account owner/holder on the D-Bank PRO application. The account owner/holder can order vehicle insurance for anyone, based on his/her affinity, and perform premium payments using his/her account registered in the D-Bank PRO application.
To purchase a Micro Insurance Plus Dengue Protect, follow these steps:
Yes, all these information are available on D-Bank PRO. The Micro Insurance Plus Dengue Protect page has information concerning Benefits, Terms and Conditions, and Claims. Documents pertaining to the Product Information Summary, Terms and Conditions, and Claim Information can be downloaded and saved in PDF format by accessing any of the following links:
Information related to the Product Information Summary, which is in accordance with the submitted/uploaded insurance data, can be found on the Order Review page. Press the Information Summary of Product and Service Personal Version link, which can be either read or downloaded in PDF format.
The customer is required to update his/her data by visiting the nearest Bank Danamon Branch.
There shall be no actual health check-up. The Insurers validates and verifies the health data that have been uploaded when filling in the insurance data in D-Bank PRO.
Yes, the fund source account can be chosen on the Review Order page in D-Bank PRO provided that the balance in the selected fund source account is sufficient to pay the total premium. If the available balance is insufficient to pay for the total premium, the Micro Insurance Plus Dengue Protect purchase process cannot continue.
The Insurance Policy will be sent once the insurance purchase application has been approved by the Insurer within 1 x 24 hours.
Yes, you will receive a notification, along with insurance documents (including e-policies), in the form of an e-mail sent by the Insurer.
Customers can view the status of their application for Micro Insurance Plus Dengue Protect purchase on the "My Insurance" tab in the Insurance menu.
To purchase a Micro Insurance Hospital Cash Plan 5 Diseases (HCP 5D), follow these steps:
Yes, all these information are available on D-Bank PRO. The Micro Insurance Hospital Cash Plan 5 Diseases (HCP 5D) page has information concerning Benefits, Terms and Conditions, and Claims. Documents pertaining to the Product Information Summary, Terms and Conditions, and Claim Information can be downloaded and saved in PDF format by accessing any of the following links:
Information related to the Product Information Summary, which is in accordance with the submitted/uploaded insurance data, can be found on the Order Review page. Press the Information Summary of Product and Service Personal Version link, which can be either read or downloaded in PDF format.
The customer is required to update his/her data by visiting the nearest Bank Danamon Branch.
There shall be no actual health check-up. The Insurers validates and verifies the health data that have been uploaded when filling in the insurance data in D-Bank PRO.
Yes, the fund source account can be chosen on the Review Order page in D-Bank PRO provided that the balance in the selected fund source account is sufficient to pay the total premium. If the available balance is insufficient to pay for the total premium, the Micro Insurance Hospital Cash Plan 5 Diseases (HCP 5D) purchase process cannot continue.
The Insurance Policy will be sent once the insurance purchase application has been approved by the Insurer within 1 x 24 hours.
Yes, you will receive a notification, along with insurance documents (including e-policies), in the form of an e-mail sent by the Insurer.
Customers can view the status of their application for Micro Insurance Hospital Cash Plan 5 Diseases (HCP 5D) purchase on the "My Insurance" tab in the Insurance menu.
The cardless cash withdrawal service at Indomaret refers to a cash withdrawal transaction service that originates from a customer’s Danamon Bank account and then performed without the need to bring his/her ATM/Debit card when withdrawing cash from the nearest Indomaret outlet. This service can be used by first reserving a token code in the D-Bank PRO application and then redeeming that token code at the Indomaret cashier.
Customers who have an active Danamon account with sufficient balance, as well as customers who already have a D-Bank PRO user and password.
The nominal amount available starts from a minimum of IDR 50,000 up to a maximum of IDR 1,000,000 per transaction.
The cardless cash withdrawal transaction limit at Indomaret is IDR 1,000,000 per transaction with an accumulated amount of IDR 5,000,000 per day (this takes into account the combined total cash withdrawal transactions via Bank Danamon ATMs).
Indomaret’s Cardless Cash Withdrawal transaction services are available from 07:00 WIB until 21:00 WIB, 7 days a week.
The applicable fee for Cardless Cash Withdrawal transactions at Indomaret amounts to IDR 5,000 per transaction.
Yes, customers can view the history of cardless cash withdrawal reservations
covering the last 3 months. The order of transactions starts from the most
recent transaction to the oldest transaction for the past 3 months.
The history status has 3 categories:
The Bill Collection feature makes it easier for customers to collect money from several parties simultaneously in one billing transaction. Once the customer issues an invoice, the billed party will receive an e-mail/push notification regarding the billing and can choose to either perform a payment or refuse payment. Intra-bank billing transactions via proxy input and interbank billing transactions refer to transactions via BI-Fast. This ensures that the entered account number, mobile phone number and/or e-mail address are connected to a bank account on the BI Fast network.
Customers can choose and include up to a maximum of 10 (ten) participants into one bill.
The expiration date for outgoing/incoming bills is 7 (seven) calendar days. Customers can view the respective expiration details of each bill on the ‘Bill a Friend’ tab for outgoing bills or ‘My Bill’ for incoming bills.
Outgoing/incoming money bills that have expired cannot be paid. Therefore, the billing status will have to be updated.
The details of billing payment status (amount paid, expiration date, plus the name and account number of the friend being billed) can be viewed on the ‘Bill a Friend’ tab.
Incoming bills can be viewed in the Money Bills menu from the ‘My Bills’ tab. Customers can also check notifications for incoming bills via e-mail or through push notification.
Customers will have the option of refusing to pay incoming bills by clicking the 'reject' button after viewing the details of the incoming bill. Customers will be asked to input mPIN as authorization/validation of rejection.
Currently, the banks that can accept requests to collect money are Bank Mandiri, Bank CIMB Niaga, BNI, BRI, BSI, BTN, DBS Indonesia, BPR Jabar Banten, BCA Digital, Bank Neo Commerce, Bank Permata, and Bank CIMB Niaga Sharia. There will be more banks added to this list in the future.
CThere is no fee for issuing outgoing bills. On the other hand, payment of incoming bills has a corresponding fee amounting to IDR 2,500 per transaction specifically for inter-bank and intra-bank (fellow Bank Danamon account) bills via proxy.
The transaction limit for collecting money and paying bills amounts to IDR 250,000,000 per transaction and IDR 1,000,000,000 per day (in accordance with the BI Fast transaction limit).
All Bill Collection features can only be accessed by Bank Danamon customers via D-Bank PRO application.
Upon pressing the Mutual Fund icon, the Portfolio page will be displayed. This page indicates the customer’s ownership of mutual fund products.
In addition, customers who already have a mutual fund portfolio or product/s can perform transactions (subscription, redemption and switching) via the Portfolio page.
This feature indicates the customer’s history of mutual fund transactions, detailing the following:
This feature displays a list of mutual fund products offered by Bank Danamon.
On the product list page, customers can perform purchase transactions (subscriptions) or access detailed product information.
Mutual fund transactions can be performed if the customer's investment profile is lower or equal to the product risk. A customer cannot continue transactions if the chosen product does not match his/her investment profile.
|
Customer Investment Profile |
Selected Product Risk Profile |
|
C1 (Conservative) |
Product with P1 Risk Rating |
|
C2 (Moderate) |
Product with P1 and P2 Risk Ratings |
|
C3 (Balanced) |
Product with P1, P2 and P3 Risk Ratings |
|
C4 (Growth) |
Product with P1, P2, P3 and P4 Risk Ratings |
|
C5 (Aggressive) |
Product with P1, P2, P3, P4 and P5 Risk Ratings |
Customers can input transactions any time (24 hours a day) whether during stock trading or non-trading days. For processing, transactions performed during trading days before 13:00 WIB will be processed using NAV (Net Asset Value) on that particular trading day. On the other hand, transactions performed during trading days after 13:00 WIB or during non-trading days will be processed using NAV on the next trading day.
Mutual fund transactions have minimum transactions in accordance with the provisions of each product.
Customers can check the status of mutual fund transactions by going to the History menu on the Mutual Fund icon.
In addition, customers can check transaction status via notifications sent to the registered e-mail, or from push notifications. Customers can also check transaction status via Transaction History on the Profile > Transaction History menu in D-Bank PRO.
This refers to transactions that were not successfully processed. If the
customer receives this notification, he/she needs to check the transaction
status on the Mutual Fund History page to ensure whether the transaction has
been recorded in the history.
If the transaction is not recorded in the Mutual Fund History, the customer
can re-enter the transaction.
Currently, the KPM Prima and MPL products at D-Bank PRO are organized by Adira Finance.
Currently, only D-Bank PRO account holders can apply for KPM Prima or MPL Adira Finance products on D-Bank PRO.
Customers can apply via the D-Bank PRO application by going to the app’s "Loan Products" feature on its homepage. The "Loan Products" menu can be found in the Main Transaction section.
For product requirements, refer to the terms and conditions of each product which can be viewed during the product selection and application process through D-Bank PRO’s "Loan Product" feature.
Yes, you can view detailed product information, along with the corresponding terms and conditions, when you select a product in the D-Bank PRO "Loan Products" feature.
The application process, including the Adira Finance KPM Prima or MPL product analysis procedure, shall remain the full authority of Adira Finance. Bank Danamon is not responsible for Adira Finance's decision regarding the KPM Prima or MPL credit application submitted by the Customer.
The limit via the D-Bank PRO app depends on the applicable conditions of each product, which are determined by Adira Finance.
Th customer can get in touch with the Adira Finance contact center by calling 1500511 (Ring Adira Finance) or via the official Adira Finance WhatsApp number 0811-8115-811.
Currently, the only ownership credit product available on the D-Bank PRO app refers to Car Ownership Credit.
Customers can update/revise their data via the Change Personal Data menu in D-Bank PRO.
Adira Finance MPL is a cash loan that uses a vehicle’s BPKB as collateral guarantee (motorcycle/car).
To claim collateral from Adira Finance MPL after the loan period, refer to the terms and conditions in this website link: https://www.adira.co.id/tanya_jawab .
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