Danamon LEBIH PRO iB

Danamon LEBIH PRO iB is a saving account dedicated for you to easily manage funds with 9 currencies in one account, based on sharia principles, provided by PT Bank Danamon Indonesia Tbk (”Bank Danamon”).


Contract

Wadiah (Safekeeping)


Benefits

  1. Nine Currencies in one account
    Easily manage 9 currencies in one account. Transfer and receive funds easily via D-Bank PRO.
  2. Free Transaction Fee
    Enjoy the simplicity of buying and selling foreign currencies in one account via D-Bank PRO.
  3. Bebas Biaya Transaksi
    Nasabah akan mendapatkan keuntungan bebas biaya transaksi tarik tunai di jaringan ATM Bersama, ALTO, Prima sebanyak 99 (sembilan puluh sembilan) kali per bulan, dan transfer melalui BI Fast sebanyak 99 (sembilan puluh sembilan) kali per bulan dengan menjaga saldo sebelum transaksi minimal Rp5.000.000 (lima juta rupiah)
  4. Most Updates Transaction Features
    Enjoy various services offered in your finger tips via mobile banking dan internet banking (D-Bank PRO), Danamon SMS, ATM and Hello Danamon wherever you are, whenever you are.

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)

 

Transaction Report Media

  • e-Statement
  • Paper 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

 

 

Blocked fund

  • Rupiah: Rp50,000
  • Other currencies: No blocked fund.

Minimum average balance to avoid penalty/ administrative costs (IDR 17,000)

  • Rupiah: Rp5,000,000
  • Other currencies: no minimum balance.

Joint account

In the form of “OR” and/or “AND”.

ATM/Debit Card Feature

ATM/Debit Card feature is only applicable for Rupiah currency

E-Channel Facilities

Transaction via D-Bank Pro is applicable for all currencies. Transaction via Danamon SMS, ATM and Hello Danamon only applicable of Rupiah currency.


Bank Danamon Debit/ATM Card Facilities

Bank Danamon Debit/ATM Card can only be given to individual customer.

Bank Danamon Debit/ATM Card 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.
  4. Call center Hello Danamon 1-500-090

Danamon Debit/ATM Card Transaction Guidelines:

  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 your Debit/ATM Card has been signed on the back side of the card.
  5. Make sure that your balance is enough to perform transactions such as cash withdrawal, posting, transfer, bill payment etc.
  6. Entering the wrong PIN for 3 times in a row in the same day will cause the card to be blocked
  7. Your PIN is private and confidential, not to be shared with/informed to anyone.
  8. Do not write your PIN on the Debit/ATM Card.
  9. Before any debit transaction at a merchant, ask beforehand if the mechant is charging any additional fees.
  10. Ensure that no one sees your PIN when using the Debit/ATM Card at a merchant.
  11. On a transaction, your Debit/ATM Card should only swiped once at merchant’s EDC. Please check the nominal stated upon your confirmation.
  12. Keep your transaction slip from any merchant until the transaction is guaranteed from any issue.
  13. If the Debit/ATM Card is lost/stuck, immediately contact Hello Danamon 1-500-090 to block your card.

Risk

Exhange Rate Changes.

Cost

No

Feature

Amount

1

Monthly Admin Fee

Free

2

Monthly ATM Fee

Free

3

New Debit/ATM Card (when opening account)

Free

4

Debit/ATM Card replacement fee :

 

 
  • Stuck in ATM

Rp10,000 (for stamp duty)

 
  • Lost/stolen

Rp25,000 + Rp10,000 (for stamp duty)

 
  • Broken/wrong PIN

Rp25,000

5

Transaction report print fee/ sheet:

 

 
  • The current month and up to 2 past months

Rp5,000

 
  • More than 2 months

Rp10,000

6

Minimum average balance to avoid penalty/cost administrative

Rupiah: Rp5,000,000

Other currencies: not applicable

7

Penalty/cost administrative for going below the minimum average balance

Rupiah: Rp17,000

Other currencies: not applicable

8

Dormant Fee

Rupiah: Rp20,000

Other currencies: not applicable

9

Minimum average balance dormant account to avoid penalty

Rupiah: 0

Other currencies: not applicable

10

Penalty/cost administrative for dormant account going below the minimum balance

Rupiah: Rp20,000

Other currencies: not applicable

11

Closing an account

Rupiah: Rp50,000

Other currencies: not applicable

12

(Paper Statement)

Monthly statement fee

Rupiah: Rp10,000

Other currencies: not applicable

13

Electronic Statement

Free

14

ATM usage

 

 
  • Balance check at ATM Danamon

Free

 
  • Cash withdrawal at ATM Danamon

Free

 
  • Balance Inquiry at ATM Bersama, ALTO and Prima

Rp4,000

 
  • Cash withdrawal at ATM Bersama, Prima, and Alto

Rp7,500 (Free 99 times per month if balance before transaction ≥ Rp5,000,000)

 
  • Cash withdrawal at ATM Cirrus

Rp25,000

15

D-Bank PRO usage

 

 
  • Transfer

 

 

-     SKN Transfer

Rp2,900

 

-    RTGS Transfer

Rp20,000

 

-    Online Transfer (ATM Bersama / ALTO / PRIMA)

Rp7,500

 

  • BI Fast Transfer

 

Rp2,500 (Free 99 times per month if balance before transaction ≥ Rp5.000.000)


Simulation

Average Balance Calculation for Danamon LEBIH PRO iB

Calculation

Amount

Account Balance:

-Date 16 June

= Rp0

-Date 17-22 June

= Rp250,000

-Date 23-29 June

= Rp10,000,000

-Date 30-31 June,1-4 July

= Rp50,000,000

-Date 5-9 July

= Rp68,000,000

-Date 10-13 July

= Rp43,000,000

-Date 14-15 July

= Rp31,000,000

 

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

 

 

 

 

 

 

Rp30,500,000

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

 

 

If Customer Balance Below the Minimum Balance

 

Account Balance:

-Date 16-19

= Rp250,000

-Date 20-25

= Rp100,000

-Date 26

= Rp1,000,000

-Date 27-31,1-3

= Rp200,000

-Date 4-7

= Rp150,000

-Date 8-15

= Rp50,000

 

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

 

 

 

 

 

 

 

 

 

 

 

Rp167,742

 

(<IDR 5,000,000.00

: will be penalized: Rp17,000)

Notes:

  • Penalty/cost administrative for average balance below minimum is only applicable for Rupiah currency, for other currency is not applicable.

Terms and Procedures

Danamon LEBIH PRO/ Danamon LEBIH PRO iB account opening request can be done by customers at Bank Danamon branch offices by fulfilling terms/conditions set by Bank Danamon as follow:

  • The customer fills in and signs the Customer Data and Account Registration Form
  • Customers submit the required documents:
    1. Valid ID (KTP/ Driving License/ Passport) copy.
    2. 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.

Additional Information :

Other information regarding cost, benefit and risks can be accessed through the Bank’s official website at https://www.danamon.co.id/id