Program Adu Rate D-Bank PRO

GENERAL TERMS AND CONDITIONS OF
D-BANK PRO COMPETITIVE FX RATE PROGRAM

This General Terms and Conditions of D-Bank PRO Competitive FX Rate Program (“General Terms and Conditions”) is the terms and conditions that applies to the Customer that fulfilled the requirements to participate in the Program D-Bank PRO Competitive FX Rate Program (“Program”) held by PT Bank Danamon Indonesia Tbk (“Bank Danamon”).

The Customer hereby agree and bind itself to all provisions under this General Terms and Conditions as follows:

Program is from 5 February 2025 until 31 January 2026 (“Program Period”).

Customers who are entitled to participate in this Program are:

  1. Danamon Customer who has active savings account during the program period.
  2. Danamon Customer who have performed the transaction according to the General Terms and Conditions.
  3. Danamon Customer who has downloaded and registered to D-Bank PRO 
  4. The program is not valid for Danamon’ s employees
    Hereafter is called “Customer”
  1. It is mandatory for Customer to understand the characteristics, benefits, risks, fee, and other terms of General Term and Conditions of the Program by reading this Terms and Conditions.
  2. Bank Danamon has the right to reject or cancel the Customer’s participation in this Program if the Customer does not meet the General Terms and Conditions or there is any reason for such rejection or cancellation.
  3. The Customer is fully responsible for all risks of loss, demands, lawsuits, and/or claims regarding the Customer’s participation in this Program.
  4. The Customer is eligible to participate in this Program with the following conditions: 
    1. Customer doing different currency transaction Rupiah against foreign currency or vice versa (buy or sell) using D-Bank PRO application with minimum transaction of USD 1,000 (one thousand) or equivalent during trading hours from 9 AM to 3 PM WIB (Western Indonesian Time) (“Transaction”).
    2. If customer find more competitive exchange rate in other bank’s mobile application compared with D-Bank PRO, customer must send email to fx.dbankpro@danamon.co.id and must attached:
      1. The screenshot of FX transaction in D-Bank PRO which displays the date and time of the transaction and 
      2. The screenshot of FX transaction in other bank with minimum transaction USD 1 (one US dollar) or equivalent which displays the date and time of the transaction.
    3. Maximum time difference between FX Transaction in D-Bank PRO and other bank’s mobile application is 5 (five) minutes.
    4. After the email and attachment sent by customer to Danamon email stated in point B, related Danamon PIC will validate the transaction.
    5. If validation done and agreed by related Danamon’s PIC, Customer will get 5x rebate from bps difference per claim, with maximum amount IDR 1,000,000 (one million Rupiah) per claim (“Cashback”).
    6. Information regarding the validation result and amount of Cashback that will be received by the eligible customer, will be sent through email to the customer’s registered email address in the Bank which will be received by the customer a maximum of 14 (fourteen) working days after the claim email is received by the relevant Danamon’s PIC.
    7. 1 (one) Customer CIF (Customer Information File) is only entitled to get 1 (one) time cashback during the Program Period.
    8. Cashback quota is 240 (two hundred and forty) transactions during the Program Period (“Cashback Quota”) or 20 (twenty) transactions per month.  If there’s no Cashback Quota left prior the end of the program period, then Customer will not get the Cashback.
  5. By Customers doing foreign exchange transaction and/or remittance transaction in D-Bank PRO, customer is considered have read, understand, and agreed to join the Program and comply with General Terms and Conditions of the Program. 

The Customer who already fulfill the General Terms and Conditions is entitled to get the prize as follows:

  1. Cashback will be credited to Customer account that is used to do FX transaction in maximum 45 (forty five) days after customer get confirmation from Danamon related the PIC’s validation.
  2. If there’s a failure on Cashback credit which is caused by inactive customer account, blocked, or other conditions then Cashback will not be credited.
  3. Customer participation in this program is free of charge and cashback tax will be paid by Danamon.

Simulation of D-Bank PRO Competitive FX Rate Program:

CUSTOMER A ILLUSTRATION
On 1 November 2025, Customer A doing FX transaction buy USD from Rupiah in amount USD 3000 (three thousand) via D-Bank PRO at 14.00 with rate IDR 15,000 (fifteen thousand Rupiah). Then at 14.02 Customer doing USD 1 (one) FX Transaction via Bank XYZ mobile banking with rate IDR 14,990 (fourteen thousand nine hundred ninety Rupiah). Customer then send the email to Danamon Digital Banking and attach the transaction screenshot in D-Bank PRO and in Bank XYZ. After sent, PIC Danamon validated the rate and confirm the transaction.

  1. Customer is entitled to get the cashback rebate 5x with total (5 x 10 pips x 3,000) = IDR 150,000 (one hundred and fifty thousand Rupiah) for the FX transaction.
  2. Cashback will be credited to Customer IDR Account (Danamon LEBIH Rupiah or Danamon LEBIH PRO Rupiah) in 45 (forty-five) working days from March 2025 at the latest. 

CUSTOMER B ILLUSTRATION
On 1 November 2025, Customer B doing FX transaction buy USD from Rupiah in amount USD 5000 (five thousand) via D-Bank PRO at 11.00 with rate IDR 15,000 (fifteen thousand Rupiah). Then at 11.03 customer doing USD 1 (one) FX Transaction via Bank XYZ mobile banking with rate IDR14,975 (fourteen thousand nine hundred seventy-five Rupiah). Customer then send the email to Danamon Digital Banking and attach the transaction screenshot in D-Bank PRO and in Bank XYZ. After sent, PIC Danamon validated the rate and confirm the transaction.

  1. Customer is entitled to get the cashback rebate 5x with total (5 x 25 pips x 5,000) = IDR 625,000 (six hundred and twenty-five thousand Rupiah) for the FX transaction.
  2. Cashback will be credited to Customer IDR Account (Danamon LEBIH Rupiah or Danamon LEBIH PRO Rupiah) in 45 (forty-five) working days from March 2025 at the latest.

CUSTOMER C ILLUSTRATION – passing the time limit
On 15 November 2025, Customer C doing FX transaction buy USD from Rupiah in amount USD 2000 (two thousand) via D-Bank PRO at 14.00 with rate IDR 15,000 (fifteen thousand Rupiah). Then at 14.15 customer doing USD 1 (one) FX Transaction via Bank XYZ mobile banking with rate IDR 14,990 (fourteen thousand nine hundred and ninety Rupiah). Customer then send the email to Danamon Digital Banking and attach the transaction screenshot in D-Bank PRO and in Bank XYZ.

  1. Customer is not entitled to get the cashback rebate.

CUSTOMER D ILLUSTRATION – doing FX Transaction Over the Counter
On 15 November 2025, Customer D doing FX transaction buy USD from Rupiah in amount USD 8000 (eight thousand) via D-Bank PRO at 15.00 with rate IDR 14,500 (fourteen thousand and five hundred Rupiah). Then at 14.15 customer doing USD 1000 (one thousand) FX Transaction via over the counter at Bank XYZ with rate IDR 14,490 (fourteen thousand four hundred and ninety Rupiah). Customer then send the email to Danamon Digital Banking and attach the transaction screenshot in D-Bank PRO and in Bank XYZ.

  1. Customer is not entitled to get the cashback rebate.

CUSTOMER E ILLUSTRATION – transaction below minimum requirement
On 10 February 2025, Customer D doing FX transaction buy USD from Rupiah in amount USD 500 (five hundred) via D-Bank PRO at 11.00 with rate IDR 15,000 (fifteen thousand Rupiah). Then at 11.03 customer doing USD 1 (one) FX Transaction via over the counter at Bank XYZ with rate IDR 14,490 (fourteen thousand four hundred and ninety Rupiah). Customer then send the email to Danamon Digital Banking and attach the transaction screenshot in D-Bank PRO and in Bank XYZ.

  1. Customer is not entitled to get the cashback rebate.

  

  1. The Customer can submit complaint regarding Bank Danamon’s product/services both verbally or written through nearest Bank Danamon branch offices or Hello Danamon (1-500-090) or through email in hellodanamon@danamon.co.id.
  2. The procedure regarding Customer Complaint service can be accessed through website website https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah. 
  1. Other terms and conditions related with product and/or banking services, as long as they are not regulated differently in this General Terms and Conditions are remain valid and binding on the Customers and become the inseparable part of the General Terms and Conditions of the program. 
  2. This General Terms and Conditions is an integral part of the “General Terms and Conditions for PT Bank Danamon Indonesia Tbk Accounts and Banking Services”, "General Terms and Conditions of Investment Product”, and “General Terms and Conditions of D-Bank PRO Services”. 
  3. The Customer hereby agrees and admits that Bank Danamon has the right to fix/change/complete this General Terms and Conditions from time to time. Every change/additional point/update of this General Terms and Conditions will be informed through communication media available at Bank Danamon. In terms of benefit change, risk, fee, terms and conditions according to this General Terms and Conditions, Customer has the right to raise an objection in written to Bank Danamon in 30 (thirty) working days after such change beinginformed by Bank Danamon through Bank Danamon communication media. Customer agrees that Customer is deemed to agree for that changes if the Customer did not submit the complaint during that time period. If the Customer disagree on such changes, then the Customer has the right to cancel the Customer’s participation in the Program by completing all Customer’s obligation to Bank Danamon (if any).
  4. The Customer represents that there is no transaction indicated to money laundering crime and/or other prohibited transactions according to the applicable law and regulations in Indonesia.
  5. If there is a report regarding scam, fraud indication, and irregular transaction, then Bank Danamon has absolut authority to cancel the transaction, cancel the participation in the Program, and cancel the cashback for the concerned Customer.
  6. This General Terms and Conditions has been adapted to the provisions of laws and regulations, including the provisions of OJK (Otoritas Jasa Keuangan) regulations
  7. Bank Danamon is licensed and supervised by Otoritas Jasa Keuangan and a member of Lembaga Penjamin Simpanan.
  8. This General Terms and Conditions is made in bilingual (in Bahasa Indonesia and English language version). In the event there is different meaning or interpretation between those versions, the Bahasa Indonesia version shall prevail. 
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WARNING

Be careful of scams. Please ensure that the Customer is extra careful and not deceived by people acting on behalf of Bank Danamon by promising prizes. All forms of fraud or other acts committed by other/third parties associated with this Program is beyond the authority of Bank Danamon.

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