Program Aktivasi Foreign Currency (FCY) Danamon LEBIH PRO

The General Terms and Conditions of this Program are the terms and conditions for Customers participating in the Danamon LEBIH PRO FCY Activation Program (“Program”) organised by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

Customers hereby agree and bind themselves to all provisions of the General Terms and Conditions of this Program with the following terms and conditions:

This program runs from 16 September 2025 to 31 January 2026 ("Program Period").

This program is open to customers or prospective customers of Bank Danamon who meet the following criteria ("Customers"):

  1. Individuals who do not yet have a Danamon LEBIH PRO account; or
  2. Individuals who already have a Danamon LEBIH PRO savings account but have not had any foreign currency balance in their Danamon LEBIH PRO account for at least the last 3 (three) months before the Program Period started.
  1. Customers are required to read and understand the General Terms and Conditions of the Program.
  2. The Bank reserves the right to refuse or cancel a Customer's participation in this Program if the Customer does not meet the General Terms and Conditions of the Program.
  3. Customers are fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with their participation and/or cancellation of participation in this Program.
  4. Customers who do not yet have a Danamon LEBIH PRO account must first open a Danamon LEBIH PRO account.
  5. Customers are required to make purchases of 3 (three) different types of foreign currencies by making purchases through D-Bank PRO from their Danamon LEBIH PRO account in rupiah to foreign currency (“Foreign Exchange Transactions”). The terms and conditions for Foreign Exchange Transactions to receive a cashback reward (“Main Cashback”) are as follows:

    Tier

    Forex Transaction Terms and Conditions

    Main Cashback

    Tier 1

    Per currency transaction worth:

    • 650 to less than 10,500 (specifically for USD, EUR, GBP currencies)
    • 1,050 to less than 16,000 (specifically for AUD, SGD, CAD currencies)
    • 1,050 to less than 17,500 (specifically for NZD currency)
    • 5,000 to less than 80,000 (specifically for CNY and HKD currencies)
    • 100,000 to less than 1,550,000 (specifically for JPY currency)

    USD 9 maximum equivalent to IDR 150,000 (one hundred and fifty thousand rupiah)

    Tier 2

    Per currency transaction worth:

    • Minimum 10,500 (for USD, EUR, GBP currencies only)
    • Minimum 16,000 (for AUD, SGD, CAD currencies only)
    • Minimum 17,500 (for NZD currency only)
    • Minimum 80,000 (for CNY and HKD currencies only)
    • Minimum 1,550,000 (for JPY currency only)

     

    USD 150 maximum equivalent to IDR 2,500,000 (two million five hundred thousand rupiah).

     
  6. If the Customer maintains an average balance in their Danamon LEBIH PRO account until the end of the second month after the date of the Foreign Exchange Transaction, the Customer is entitled to receive an additional cashback ("Additional Cashback") under the following conditions:

    Tier

    Maintain an average balance of 3 currencies in Danamon LEBIH PRO account

    Additional Cashback

    Tier 1

    At least equivalent to the previous transaction per currency or at least equivalent to IDR 10,000,000 per currency.

    IDR 75,000

    Tier 2

    Equivalent to the nominal value of the previous Foreign Exchange Transaction (see point III.5) or a minimum equivalent of IDR 169,000,000 per currency.

    IDR 750,000
  7. Foreign exchange transactions must be conducted on the same Danamon LEBIH PRO account.
  8. Foreign exchange transactions must be conducted in the same month.
  9. Foreign exchange transactions to obtain Main Cashback and/or Additional Cashback ("Cashback") are not cumulative.
  10. Specifically for Customers who have just opened a Danamon LEBIH PRO account during the Program Period, foreign exchange transactions must be conducted in the same month as the month in which the account was opened.
  11. By conducting Foreign Exchange Transactions and/or maintaining an average balance in accordance with the General Terms and Conditions of the Program, the Customer is deemed to have read, understood, and agreed to participate in the Program and to be subject to the General Terms and Conditions of this Program. Such transactions constitute valid proof of the Customer's participation in the Program and the Customer's agreement to be subject to the General Terms and Conditions of the Program.
  1. Each Customer is only entitled to receive the Main Cashback and/or Additional Cashback a maximum of 1 (one) time during the Program Period and cannot be combined with other programs.
  2. For Customers who are entitled to receive the Main Cashback, the Main Cashback will be credited to the Danamon LEBIH PRO account in USD used for Foreign Exchange Transactions, as stated in point III, item 5 above, no later than 30 (thirty) working days after the last date of the month in which the Customer conducted the Foreign Exchange Transaction.
  3. For Customers who are entitled to Additional Cashback, the Additional Cashback will be credited to the Danamon LEBIH PRO account used for Foreign Exchange Transactions (IDR currency), as stated in point III, item 6 above, no later than 30 (thirty) working days after the last date of the month following the month of the Foreign Exchange Transaction made by the Customer.
  4. In the event that the Customer's account is inactive/blocked or other conditions prevent the crediting of Cashback, the Customer hereby acknowledges and agrees that the Cashback cannot be provided.
  5. Participation in this Program is free of charge.
  6. The Customer is fully responsible for any tax obligations (if any) on the Cashback received in accordance with the tax regulations applicable in Indonesia from time to time.

SIMULATION 1

Customer A conducted a foreign exchange transaction (purchase of 3 foreign currencies to a Danamon LEBIH PRO account), amounting to:

  • USD 650, on 16 September 2025.
  • SGD 1,050, on 17 September 2025.
  • CNY 5,000, on 22 September 2025.

Customer A's foreign exchange transactions fall into Tier 1, so Customer A will receive a Main Cashback worth a maximum of USD 9, equivalent to IDR 150,000.

 

At the time of the Main Cashback credit, the IDR to USD exchange rate is IDR 16,500, so USD 9 x IDR 16,500 = IDR 148,500 (less than IDR 150,000). Therefore, the Main Cashback amount to be paid is USD 9, which will be credited to the Danamon LEBIH PRO USD currency account.

 

Customer A has successfully maintained the average balance of each foreign currency purchased (USD, SGD, CNY) at the value of the Foreign Exchange Transaction amount until 31 October 2025 (the month following the Tier 1 Foreign Exchange Transaction month). Therefore, Customer A is entitled to receive an Additional Cashback of IDR 75,000, which will be credited to their Danamon LEBIH PRO account in rupiah.

 

SIMULATION 2

Customer B conducted a foreign exchange transaction (purchase of 3 foreign currencies to a Danamon LEBIH PRO account) with a value of:

  • JPY 1,550,000, on 17 September 2025.
  • AUD 16,000, on 18 September 2025.
  • HKD 80,000, on 18 September 2025

Customer B's foreign exchange transaction falls under Tier 2, so Customer B will receive a Main Cashback worth USD 150, equivalent to a maximum of IDR 2,500,000.

 

At the time of crediting the Main Cashback, the IDR to USD exchange rate is IDR 17,000, so USD 150 x IDR 17,000 = IDR 2,550,000 (more than IDR 2,500,000). In this case, the Main Cashback amount to be paid to Customer B is equivalent to IDR 2,500,000, which is USD 147.06, and will be credited to the Danamon LEBIH PRO USD currency account.

 

Customer B has successfully maintained the average balance of each foreign currency purchased (JPY, AUD, HKD) at the value of the Foreign Exchange Transaction amount until 31 October 2025 (the month following the Tier 2 Foreign Exchange Transaction month). Therefore, Customer B is entitled to receive an Additional Cashback of IDR 750,000, which will be credited to their Danamon LEBIH PRO account in Indonesian Rupiah.

 

SIMULATION 3

Customer E conducted a transaction (purchase of 3 foreign currencies to a Danamon LEBIH PRO account) with a value of:

  • USD 600, on 10 November 2025.
  • AUD 10,50, on 11 November 2025.
  • HKD 5,000, on 12 November 2025.

For Foreign Exchange Transactions conducted by Customer E, only two currencies meet the requirements for Tier 1 Foreign Exchange Transactions, so Customer E is not eligible for the Main Cashback.

Since Customer E is not eligible for the Main Cashback, Customer E is also not entitled to receive the Additional Cashback.

 


AVERAGE BALANCE CALCULATION SIMULATION

Customer F conducts a Foreign Exchange Transaction (purchase of 3 foreign currencies to a Danamon LEBIH PRO account), amounting to:

  • USD 650, on 1 October 2025.
  • EUR 650, on 5 October 2025.
  • GBP 650, on 8 October 2025.

 

The balance of each foreign currency remain unchanged every day until 30 November 2025:

  • Average balance for October 2025:

    - USD 650 x 31 days (1–31 October 2025) = USD 20,150, divided by 31 days = USD 650 (exchange rate of IDR 16,500 = equivalent to IDR 10,725,000).

    - EUR 650 x 27 days (5–31 October 2025) = EUR 17,550, divided by 31 days = EUR 566 (exchange rate of IDR 19,500 = equivalent to IDR 11,037,000).

    GBP 650 x 24 days (10 – 31 October 2025) = GBP 15,600, divided by 31 days = GBP 503 (exchange rate Rp22,500 = eq. IDR 11,317,500).

  • Average balance for November 2025

    - USD 650 x 30 days = USD 19,500, divided by 30 days = USD 650 (exchange rate of IDR 16,300 = equivalent to IDR 10,595,000).

    - EUR 650 x 30 days = EUR 19,500, divided by 30 days = EUR 650 (exchange rate of IDR 19,300 = equivalent to IDR 12,545,000).

    - GBP 650 x 30 days = GBP 19,500, divided by 30 days = GBP 650 (exchange rate of IDR 22,300 = equivalent to IDR 14,495,000).

  • Average balance for October – November 2025:

    - (equivalent to IDR 10,725,000.00 + equivalent to IDR 10,595,000)/2 = IDR 10,660,000.

    - (eq. IDR 11,037,000.00 + eq. IDR 2,545,000)/2 = IDR 11,791,000.

    - (eq. IDR 11,317,500.00 + eq. IDR 14,495,000)/2 = IDR 12,906,250.

     

    Foreign currency conversion calculations to Rupiah use the exchange rate of IDR recorded in the Bank Danamon system.

  1. Customers may submit complaints regarding banking products/services either verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via email at hellodanamon@danamon.co.id.
  2. For complete procedures and mechanisms regarding customer complaint services, please refer to Bank Danamon's official website, which can be accessed at the following link: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
  1. General Terms and Conditions of this Program constitutes an integral part of the “General Terms and Conditions for Accounts and Banking Services”, “General Terms and Conditions for D-Bank PRO” and “General Terms and Conditions for Danamon LEBIH PRO Savings”. These terms and conditions remain valid unless otherwise stipulated in the General Terms and Conditions of this Program. In the event of any discrepancy or conflict between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
  2. Customers hereby agree and acknowledge that Bank Danamon reserves the right to amend/change/supplement the General Terms and Conditions of this Program from time to time. Any changes/additions/updates to the General Terms and Conditions of this Program will be notified through the communication media available at Bank Danamon. In the event of changes to the benefits, risks, costs, terms and conditions based on the General Terms and Conditions of this Program, the Customer shall be entitled to submit a written objection to Bank Danamon within 30 (thirty) working days from the date of notification of such changes by Bank Danamon through Bank Danamon's communication media. The Customer agrees that the Customer is deemed to have agreed to the changes if the Customer does not submit an objection within that period. If the Customer does not agree to the changes, the Customer has the right to cancel their participation in the Program by first settling all of the Customer's obligations to Bank Danamon (if any).
  3. If any provision in the General Terms and Conditions of this Program is prohibited or cannot be implemented or becomes invalid or is declared null and void by a government or court ruling, this shall not affect the validity of other provisions in the General Terms and Conditions of this Program, and the other provisions shall remain valid and binding and can be implemented as stipulated in the General Terms and Conditions of this Program.
  4. The Customer declares that there are no and will be no transactions that indicate money laundering and/or other transactions that are not permitted under the applicable laws and regulations in Indonesia.
  5. If there are indications of fraud, cheating, transaction irregularities, unusual transactions, money laundering and/or actions that are not in accordance with laws and regulations, Bank Danamon reserves the right to cancel the transaction, cancel participation in the Programme, and/or the awarding of rewards to the Customer concerned. The Customer remains obligated to settle all obligations to Bank Danamon (if any).
  6. Customers agree that funds placed in savings accounts with interest rates/returns above the maximum guarantee rate set by the Indonesia Deposit Insurance Corporation are (LPS) not guaranteed by the Indonesia Deposit Insurance Corporation (LPS). Rewards received by Customers are also calculated as a component of the maximum guarantee interest rate. Customers can find out about changes to the maximum guarantee interest rate through Bank Danamon branches or through Hello Danamon.
  7. The General Terms and Conditions of this Program have been adjusted to comply with the provisions of laws and regulations, including the provisions of the Financial Services Authority (OJK) and the provisions on guaranteed interest rates based on the regulations of the Indonesia Deposit Insurance Corporation (LPS).
  8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia and is a participant in the Indonesia Deposit Insurance Corporation (LPS).

 

WARNING

  1. Customers must be cautious of fraud committed by individuals acting on behalf of Bank Danamon by promising gifts of any kind. Any fraud or other criminal acts committed by other parties/third parties associated with or acting on behalf of the Program or Bank Danamon are beyond the authority of Bank Danamon.
  2. Passwords/M-PINs/T-PINs/OTPs are confidential. Be wary of fraud attempts by individuals claiming to be Bank Danamon employees via telephone, fax, email, and/or other means of communication who ask for personal data, including passwords/M-PINs/T-PINs/OTPs. Bank Danamon employees will not ask for or inquire about customers' passwords/M-PINs/T-PINs/OTPs.
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