Danamon LEBIH PRO iB

Danamon LEBIH PRO iB is saving PROduct from PT Bank Danamon Indonesia Tbk (“Bank Danamon”) based on sharia principle for individual customers, which has some benefits, including 12 (tweleve) currencies in one account and also free transaction fee.

Contract
Wadiah


The benefits of opening Danamon LEBIH PRO iB :

  1. Twelve Currencies on One Account
    Upon account opening of Danamon LEBIH PRO iB with Multicurrency, Customer can enjoy benefit of having account with 12 (twelve) currencies in one account. Transfer or receiving fund easily in one account with competitive rate.
  2. Foreign Currency Transaction Easily With D-Bank PRO
    Enjoy performing foreign currency transaction in easy way with one account using “FX Transaction” feature on D-Bank PRO.
  3. Free Transaction Fee 99x
    Customers with a minimum balance of Rp5,000,000 (five million rupiah) prior to the transaction, will get benefits of free of charge for the first 99 (ninety-nine) transactions of cash withdrawal on network ATM Bersama, ALTO, Prima, and transfer via BI-FAST for 99 (ninety-nine) times quota per month using D-Bank PRO.
  4. Latest Transaction Features
    Customer is able to enjoy a convenience of banking transactions experience with our latest transaction features, including mobile banking and internet banking (D-Bank PRO), Danamon SMS, ATM, and Hello Danamon to enhance their convenience in conducting transactions anywhere and anytime.

Danamon LEBIH PRO iB Account Features


Customer Criteria

Individual customer

Currency on one account
  • Indonesian Rupiah  (IDR) (base currency)
  • US Dollar (USD)
  • Japanese Yen (JPY)
  • Chinese Yuan (CNY)
  • New Zealand Dollar (NZD)
  • Australian Dollar (AUD)
  • Singapore Dollar (SGD)
  • Euro (EUR)
  • British Poundsterling (GBP)
  • Hong Kong Dollar (HKD)
  • Canadian Dollar (CAD)
  • Saudi Arabian Riyal (SAR)

 

Transaction Report Media
  • e-Statement
  • Printed Statement, hanya untuk Nasabah yang melakukan registrasi untuk mendapatkan Printed Statement. Printed Statement, only for Customer who register to get a printed statement.

Minimum initial deposit

Initial deposit can be performed on one of the following currency with minimum initial deposit as per following on choosed currency:

Currency

Initial Deposit Amount

IDR

IDR 250,000

USD

USD 25

AUD

AUD 25

NZD

NZD 25

SGD

SDG 25

GBP

GBP 25

EUR

EUR 25

JPY

JPY 2,500

CNY

CNY 250

HKD

HKD 250

CAD

CAD 25

SAR

SAR 25

 

 

Blocked fund
  • IDR 50,000
  • Other currencies: No blocked fund.

Minimum average balance to avoid administrative costs (IDR 20.000,00)
  • IDR 5,000,000
  • Other currencies: no minimum balance.

Joint account

In the form of Joint Account “OR” and/or Joint Account “AND”.

PROfit Sharing

Customers do not receive PROfit sharing for PROducts with Wadiah contracts

ATM/Debit Card Feature

ATM Danamon/Debit Card feature is applicable all currencies in Danamon LEBIH PRO saving

E-Channel Facilities

Transaction via D-Bank PRO is applicable for all currencies. Transaction via Danamon SMS, ATM and Hello Danamon is applicable for all currencies.

Danamon Debit/ATM Card Facility

Specifically for Customer who have a Danamon LEBIH PRO iB account before the Danamon LEBIH PRO Debit Card was introduced to Customers, the Danamon LEBIH PRO iB account can be connected as a Main Account with a maximum of 4 Debit/ATM Cards consisting of:

  1. 1 Mastercard Debit/ATM Card (Non-Danamon LEBIH PRO Debit Card).
  2. 1 GPN Debit/ATM Card.
  3. 1 Danamon LEBIH PRO Debit/ATM Card.
  4. 1 Danamon Virtual Debit Card.

Danamon ATM/Debit Card can only be given to individual Customer. Customer can have a Physical Debit Card and Virtual Debit Card connected to Danamon LEBIH PRO iB Savings.

Danamon Virtual Debit Card is a debit card in virtual (non-physical) form issued by the Bank at the request of the Customer via the D-Bank PRO application. Debit card data information (card number, CVV, and card expiration date) can be seen in the D-Bank PRO application.

Danamon Virtual Debit Card can be used to condut online or e-commerce debit transactions and is a separate PROduct from the Physical Debit Card.

Physical Debit Card/ATM Danamon can be used for transactions at:

  1. Automatic Teller Machines (ATM) of Bank Danamon, ATM Bersama, ALTO, Prima, and any other ATMs bearing the Maestro or Cirrus.
  2. Bank Danamon Cash Deposit Machine (CDM).
  3. Merchants that utilize Electronic Data Capture (EDC) machines bearing the Maestro, Mastercard and Mastercard Electronic logo.

Especially for Danamon LEBIH PRO iB owners, Customer can have a Danamon LEBIH PRO Debit Card which allows spending transactions abroad without being subject to exchange rate conversion and directly debiting foreign currency accounts for currency exist in Danamon LEBIH PRO iB.

Things that need to be considered when Customer make transactions with Danamon Debit/ATM Cards:

  1. Customers must change the PIN given by Bank Danamon before using the card for its first transaction
  2. The Debit/ATM Card and PIN can only be used by the customer alone and cannot be borrowed to anybody else.
  3. Change your PIN periodically, avoid PIN codes that are easy to guess like birth and wedding dates
  4. Make sure that there is sufficient fund/ balance to perform transactions such as cash withdrawal, over-booking, transfer, bill payment, purchase etc;
  5. Entering the wrong PIN for 3 times in a row in the same day will cause the card to be blocked;
  6. Do not inform PIN to other party sue to its private and confidential nature;
  7. Do not write your PIN on the Debit/ATM Card.
  8. Ask the mechant before performing any debit transaction on whether any additional fees will be charged;
  9. Ensure that PIN being input is not seen by other party while using the Debit/ATM Card at Merchant;
  10. Ensure that Debit/ATM Card is swiped only one time at merchant’s EDC. Please check the nominal stated upon your confirmation.
  11. Keep your transaction slip from any merchant until the transaction is settled.
  12. If the Debit/ATM Card is lost/stuck, immediately contact Hello Danamon 1-500-090 to block your card.

Risk

  1. Exhange Rate Changes
  2. The risk of costs arising from customer's negligence will be borne by the customer
  3. Other risks as stipulated in General Terms and Conditions for Sharia Accounts and Banking Services

Cost

No

Feature

Amount

1

Monthly Admin Fee

Free

2

Monthly ATM/Debit Card Fee

 

 

Virtual Debit Card

Free

 

Physical Debit Card

Free

3

Debit Card Request via D-Bank PRO:

 

 

Virtual Debit Card

Free

 

Physical Debit Card

No fee applies until June 2025, exclusively to Customers who maintain a minimum balance of Rp100,000.00 in their Danamon LEBIH PRO iB account in Indonesian rupiah.

If the balance below Rp100,000.00 Customer can’t request Physical Debit Card.

4

Debit/ATM Card replacement fee at Branch:

 
 
  • Stuck in ATM

Only a stamp duty fee of Rp10,000.00 applies.
 
  • Lost/stolen

IDR 25,000 + IDR 10,000 (stamp duty)
 
  • Broken/wrong PIN

IDR 25,000
 
  • Expired Cards

Free

5

Replacement Debit Card via D-Bank PRO:

 
 
  • Expired Cards

Free

6

Transaction report print fee/ sheet:

 
 
  • The current month and up to 2 past months

IDR 5,000
 
  • More than 2 months

IDR 10,000

7

Minimum balance to avoid penalty

IDR 5,000,000

Other currencies: not applicable

8

Administration fee for going below the minimum balance

IDR 20,000

Other currencies: not applicable

9

Dormant Fee

IDR 20,000

Other currencies: not applicable

10

Closing an account

IDR 50,000

Other currencies: not applicable

11

Electronic Statement

Free

12

Monthly printed statement fee

IDR 25,000 (twenty five thousand rupiah) per month

13

ATM usage

 
 
  • Balance check at ATM Danamon

Free
 
  • Cash withdrawal at ATM Danamon

Free
 
  • Balance Inquiry at ATM Bersama, ALTO and Prima

IDR 4,000

 
  • Cash withdrawal at ATM Bersama, Prima, and Alto

IDR 7,500 (Free 99 times per month if balance before transaction ≥ IDR 5,000,000)
 
  • Balance inquiry using Danamon LEBIH PRO Debit Card at Overseas ATM with Cirrus, Mastercard and Maestro Logo

Fees in Danamon LEBIH PRO iB currencies for same transaction country currency

Currency

Cash Withdrawal Fee

AUD

1

CNY

5

EUR

1

GBP

1

JPY

50

NZD

1

SGD

1

USD

1

HKD

5

CAD

1

SAR

1

Fees in transaction country currency other than above Danamon LEBIH PRO iB currencies will be charged IDR 4,000.
 
  • Cash withdrawal using Danamon LEBIH PRO Debit Card at Overseas ATM with Cirrus, Mastercard and Maestro Logo

Fees in Danamon LEBIH PRO iB currencies for same transaction country currency

Currency

Cash Withdrawal Fee

AUD

3

CNY

15

EUR

3

GBP

3

JPY

250

NZD

3

SGD

3

USD

3

HKD

15

CAD

3

SAR

6

Fees in transaction country currency other than above Danamon LEBIH PRO iB currencies will be charged IDR 25,000.

14

D-Bank PRO usage

 
 
  • Transfer

 
 

-     SKN Transfer

IDR 2,900
 

-    RTGS Transfer

IDR 20,000

 

-    Online Transfer (ATM Bersama / ALTO / PRIMA)

IDR 7,500

 

-    BI-FAST Transfer (D-Bank PRO)

IDR 2,500 (Free 99 times per month if balance before transaction ≥ IDR 5.000.000)

15

Autodebit

For autodebit, Customer will get free administration fee for monthly bill payment for PLN, Telkom and/or PAM monthly bill payments conducted using the autodebit of Bank (conducted according to the power of attorney on account debiting signed by the Customer).

Simulation

Average Balance Calculation for Danamon LEBIH PRO iB

Calculation

Amount

Account Balance:

-Date 16 June

= IDR 0

-Date 17-22 June

= IDR 250,000

-Date 23-29 June

= IDR 10,000,000

-Date 30-31 June,1-4 July

= IDR 50,000,000

-Date 5-9 July

= IDR 68,000,000

-Date 10-13 July

= IDR 43,000,000

-Date 14-15 July

= IDR 31,000,000

 

Monthly Average Balance:

Balance Amount

No of Days

 

Balance Amount

250,000

x6

=

1,500,000

10.000,000

x7

=

70,000,000

50.000,000

x6

=

300,000,000

68.000,000

x5

=

340,000,000

43.000,000

X4

=

172,000,000

31.000,000

X2

=

62,000,000

 

Total

=

945,500,000

Monthly average balance

=

30,500.000

 

IDR 30,500,000

(≥IDR5,000,000.00 : no penalty/cost administrative)

If Customer Balance Below the Minimum Balance

 

Account Balance:

-Date 16-19

= IDR 250,000

-Date 20-25

= IDR 100,000

-Date 26

= IDR 1,000,000

-Date 27-31,1-3

= IDR 200,000

-Date 4-7

= IDR 150,000

-Date 8-15

= IDR 50,000

 

Saldo rata-rata bulanan/ Monthly Average Balance:

Balance Amount

No of Days

 

Balance Amount

250,000

X4

=

1,000,000

100,000

X6

=

600,000

1,000,000

X1

=

1,000,000

200,000

X8

=

1,600,000

150,000

X4

=

600,000

50,000

X8

=

400,000

 

Total

=

5,200,000

Saldo Rata-Rata Bulanan

=

167,742

 

IDR 167,742

 

(≤ IDR 5,000,000.00 : will be penalized: IDR 17,000)

Catatan/Notes:

  • Admin fee for average balance below minimum is only applicable for Rupiah currency, for other currency is not applicable.

Terms and PROcedures

Danamon LEBIH PRO iB account opening application can be applied by Customer at the Bank branch office(s) by fulfilling terms/conditions set by the Bank.

  • Account opening via branch: the Customer fills in and signs the Customer Data and Account Registration Form.
  • Account opening via D-Bank PRO: the Customer must fill in and complete requirement as per steps required during account opening.
  • Customers submit the required documents:
    1. Valid ID (KTP/ Driving License/ Passport) copy.
    2. NPWP copy
    3. Other documents that required by Bank Danamon.

Important Notes:

  1. Bank has the right to reject application of PROduct or servicesfrom customer if they do not meet applicable requirement and regulations.
  2. Client need to read accordingly this PROduct Information Summary and has the right to ask to Bank Staff any information related to this PROduct Information Summary document.
  3. The terms and conditions of this PROduct are stipulated in the general terms and conditions of the relevant PROduct.
  4. The Bank is required to inform any changes to the benefits, costs, risks, terms and conditions of this PROduct by letter or through other means in accordance with the applicable terms and conditions. The notification will be informed 30 (thirty) working days before the changes become effective.
  5. Other information regarding costs, benefits, and risks can be accessed through the Danamon website bdi.co.id/dlPROib.

24-Hour Services/Complaints

Hello Danamon 1-500-090