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SHORT SUMMARY
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Product Explanation
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TabunganKu is a kind of saving for individual customer with easy requirements and affordable, which the withdrawal may be performed any time as according to the applied conditions of Bank Danamon.
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BENEFIT
The Benefits earned by the Customer for opening TabunganKu:
- Affordable saving, that is a saving with a low initial deposit and free of monthly administration fee.
- May be used as a transaction medium for banking necessity.
- Cash Pick Up service is available
BASIC FEATURES
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Basic Feature
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Details
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Currency
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Rupiah
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Customer Criteria
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Individual, Indonesian Citizen including student under 17 years by attaching Student Card or School References (if the Customer does not have Student Card) which is completed with identity document and parents’ approval letter or other party responsible of the student
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Minimum initial deposit
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IDR 20.000,-
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Next deposit minimum
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IDR 10.000,-
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Minimum withdrawal in counter Teller
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IDR 100.000,-
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Minimum retained balance
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IDR 20.000,-
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Dormant account penalty
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IDR 2.000,- per month
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Joint Account
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Not allowed
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FEES
Basic Feature Fees:
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Basic Feature
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Fee
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Monthly Administration Fee
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Not charged
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Book Changing Fee
Ended Book
Lost/Damaged Book
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IDR 5.000,-
IDR 15.000,-
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Account Mutation Print Fee (per sheet)
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IDR 2.000,-
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Hello Danamon Fee
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Not charged
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Account Closing Fee
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IDR 20.000,-
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INTEREST RATE
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Balance
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Interest Rate per Year
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≤ Rp. 500.000
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0,00%
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> Rp. 500.000 -Rp. 1.000.000
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0,25%
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> Rp. 1.000.000
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1,00%
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Interest rate calculation method: daily balance, not progressive
Simulation of Deposit Interest Calculation :
Account Balance:
Date: 1- 4 Maret.............................. IDR 1,000,000,-
Date: 5-16 Maret............................. IDR 6,000,000,-
Date: 17-19 Maret........................... IDR 300,000,-
Date: 20-27 Maret........................... IDR 3,000,000,-
Date: 28-31 Maret........................... IDR 6,000,000,-
Interest rate calculation:
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Date: 1- 4 Maret (4 days)
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:
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1.000.000 x 0,25% x 4
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= Rp
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27,40
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365
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Date: 5-16 Maret(12 days)
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:
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6.000.000 x 1,00% x 12
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= Rp
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1.972,60
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365
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Date: 17-19 Maret (3 days)
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:
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300.000 x 0,00% x 3
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= Rp
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-
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365
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Date: 20-27 Maret (8 days)
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:
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3.000.000 x 1,00% x 8
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= Rp
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657,53
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365
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Date: 28-31 Maret (4 days)
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:
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6.000.000 x 1,00% x 4
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= Rp
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657,53
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365
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Total Bunga
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= Rp
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3.315,07
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Disclaimer:
- Interest calculation above is only a simulation. For the real calculation will be calculated automatically using a system which can be seen on the Customer account book.
- Especially for a saving with the nominal of above IDR 7,500,000, it will be charged for 20% tax.
- Interest rate will be credited to the Customer account monthly.
REQUIREMENTS AND PROCEDURES
- The Customer will provide the required document by the bank for account opening such as: ID card/driving license/passport.
- The Customer reads and understands “Terms and Conditions of Account and Service of PT Bank Danamon Indonesia, Tbk.”
- The Customer fills and signs application form of opening TabunganKu account.
- When the account is on dormant status, then the Customer may not be able to perform transaction on teller/counter. Due to that, it is recommended for the Customer to keep the account not dormant by transacting at least once in 6 months in counter/teller.
- Dormant account activation can be done if the Customer come to DSP unit and performing top up and signing account activation form.
- For dormant account will be charged on penalty according to the regulation applied.
- To get Cash Pick Up service, the Customer has to fill in the form of Cash Pick Up application.
OTHERS
For further information, the Customer may call Danamon Saving and Loan Unit.
