• 9 Currency Choices. 

  Choices for placement in Rupiah and 8 foreign currencies (USD, AUD, SGD, EUR, CNY, GBP, JPY, NZD) with more than 21 currency pairing alternatives.  

• Higher Potential Return

  Offers higher returns over conventional foreign currency time deposit.  

• Flexibility

  Flexibility to choose the currency pair and establish an agreed target rate (strike price) at the placement date.  

• Defined Rate of Return

  With a return on the principal value of the investment denominated in or alternative currency as per the exchange rate performance of the underlying currency at the date and time of determination.  

• Short-term Investment Alternative

  Starting from 1 (one) week.

• European Style Type

  The determination of the placement result is determined on the date and time of determination.  

1. Illustration for DCI Foreign Currency – Rupiah:

   Customer join DCI with below details:
   DCI Placement: USD 100,000
   Base Currency: USD
   Alternative Currency: IDR
   Spot USD/IDR at Transaction Date: 14,850
   Strike Price: 14,890
   Tenor: 1 month (=32 days)
   Rate of Return: 3% gross per annum
   Tax: 20%

   

   Scenario A
   On the fixing date and time, Spot USD/IDR 14,870 → spot at fixing date and time does not reach strike price, then Customer will receive principal and return in USD.

   

   Customer Earnings:
   Placement Amount + ((Placement Amount x Payout Amount x (Tenor/365)) – Tax 20%)
   = USD 100,000 + ((USD 100,000 x 3% x (32/365)) – Tax 20%)
   = USD 100,210.41 net

   Scenario B
   On the fixing date and time, Spot USD/IDR 14,935 → spot at fixing date and time reach strike price, then Customer will receive principal and return in IDR.

   

   Customer Earnings:
   Placement Amount + ((Placement Amount x Payout Amount x (Tenor/365)) – Tax 20%)
   = USD 100,000 + ((USD 100,000 x 3% x (32/365)) – Tax 20%)
   = USD 100,210.41 net
   = USD 100,210.41 x 14,890 = IDR 1,492,133,004.90 net
   
   If the Customer in Scenario B directly sell the DCI result back to the original currency (USD), they will receive USD equivalent to: IDR 1,492,133,004.90 / 14,935 = USD 99,908.47




2. Illustration for DCI Foreign Currency – Foreign Currency:

   Customer join DCI with below details:
   DCI Placement: AUD 100,000
   Base Currency: AUD
   Alternative Currency: USD
   Spot AUD/USD at Transaction Date: 0.6280/0.6287
   Strike Price: 0.6380
   Tenor: 1 month (=30 days)
   Rate of Return: 3% gross per annum
   Tax: 20%

   

   Scenario A
   On the fixing date and time, Spot AUD/USD 0.6250 → spot at fixing date and time does not reach strike price, then Customer will receive principal and return in AUD.

   

   Customer Earnings:
   Placement Amount + ((Placement Amount x Payout Amount x (Tenor/365)) – Tax 20%)
   = AUD 100,000 + ((AUD 100,000 x 3% x (30/365)) – Tax 20%)
   = AUD 100,197.26 net

   Scenario B
   On the fixing date and time, Spot AUD/USD 0.6400 → spot at fixing date and time does reach strike price, then Customer will receive principal and return in USD.

   

   Customer Earnings:
   Placement Amount + ((Placement Amount x Payout Amount x (Tenor/365)) – Tax 20%)
   = AUD 100,000 + ((AUD 100,000 x 3% x (30/365)) – Tax 20%)
   = AUD 100,197.26 net
   = USD 100,197.26 x 0.6380 = USD 63,925.85
   
   If the Customer in Scenario B directly sell the DCI result back to the original currency (AUD), they will receive USD equivalent to: USD 63,925.85 / 0.6400 = AUD 99,884.14

*Changes to the General Terms and Conditions of Dual Currency Investment (Effective September 1, 2025). Click here to view the latest Terms and Conditions.