Program Top It Up - Gift Special SSO

The program is valid from 04 August 2026 – 31 December 2026 (“Program Period”).

This program is open to Danamon’s individual customers who meet the following criteria ("Customers") who have Danamon LEBIH PRO/Danamon LEBIH PRO iB savings account.

1. Every Customer participating in this Program must first register by completing and signing the Program Participation Form.
2. Customers must ensure that they have updated their data, including but not limited to their address, telephone number and email address.
3. Customers must read and understand the General Terms and Conditions of the Program.
4. Bank Danamon 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.
5. 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.
6. The Program is valid for Customers who have completed the Form, deposited funds, hold funds and/or opened an account as stipulated in the General Terms and Conditions of the Program.
7. Customers who have placed funds on hold will receive a prize in accordance with the terms set out in the table in section III.8 (“Grand Prize”).
8. Customers may place funds on hold in their accounts with Bank Danamon, in accordance with the following scheme:
   1. The SSO IDR Regular Scheme is as follows:
      1. Customers must deposit fresh funds into their Danamon LEBIH PRO/Danamon LEBIH PRO iB account using funds transferred to the Customer’s account designated for participation in this program, which originate from another bank account (“Fresh Fund Deposit”).
      2. The Fresh Fund Deposit must be made no later than 7 (seven) calendar days before the funds are held.
      3. The customer’s funds must be held in accordance with the amounts listed below on the same day the customer joins this Program:

         Hold Funds Amount	Tenor	Reward	Penalty Fee
         IDR25,000,000	3 months	Cashback of IDR 150,000.00 (for Danamon LEBIH PRO); or a MAP e-voucher worth IDR 150,000 (for Danamon LEBIH PRO iB)	IDR200,000
         IDR50,000,000		Cashback of IDR 350,000.00 (for Danamon LEBIH PRO) or MAP e-Voucher worth IDR 350,000 (for Danamon LEBIH PRO iB)	IDR450,000

   2. SSO USD Regular Scheme:
      1. Specifically for the Regular SSO USD Scheme, customers may invest using funds already mainteined in their IDR -denominated in Bank Danamon account, which are converted into USD through a foreign exchange transaction via D-Bank PRO, or USD -denominated funds available in the Danamon LEBIH PRO/Danamon LEBIH PRO iB accounts.
      2. The customer’s funds must be held in accordance with the amounts listed below on the same day the customer joins this Program:

         Hold Funds Amount	Tenor	Reward	Penalty Fee
         USD 2,000	3 months	Cashback of IDR 150,000 (for Danamon LEBIH PRO); or a MAP e-voucher worth IDR 150,000 (for Danamon LEBIH PRO iB)	IDR200,000
         USD 4,000		Cashback of IDR 350,000 (for Danamon LEBIH PRO) or MAP e-voucher worth IDR 350,000 (for Danamon LEBIH PRO iB)	IDR450,000

9. Customers may participate in this Program more than once during the Program Period.
10. Customers will continue to receive interest (conventional) or profit sharing (sharia) in accordance with applicable regulations.
11. The first 100 (one hundred) customers who join the Regular SSO USD Scheme in accordance with the general terms and conditions of the Program and carry out foreign exchange transactions through a Danamon LEBIH PRO/Danamon LEBIH PRO iB Savings Account during the Program Period will receive an additional reward in the form of a cashback (“Additional Reward”), with the following details:

    Participation in the Program Scheme	(+) Add on Foreign Exchange Transaction*)	Additional Reward Amount
    Regular scheme SSO USD	Min IDR25,000,000	IDR100,000

    Foreign Exchange Transaction requirements:

    1. Foreign exchange purchases must be conducted through the D-Bank PRO application using IDR -denominated funds as the source of funds
    2. The foreign exchange purchases must be executed on the same day as the Customer’s USD fund placement.
    3. Each customers shall be eligible to receive the Additional Reward a maximum of 1 (one) time during the Program Period. The Additional Reward is non-cumulative and shall not apply on a multiple-award basis.
12. Customers may cancel their participation and unhold their funds in this Program by visiting the Bank Danamon branch where they registered for the Program.
13. Customers who cancel their participation in the Program will be charged a Penalty Fee/Prize Replacement Fee as shown at point III.10 by Bank Danamon debiting the Bank Danamon account in the Customer's name.

1. The Grand Prize will be awarded within a maximum period of 20 (twenty) working days from the date the Customer's funds are blocked and/or declared to have fulfilled all the General Terms and Conditions of the Program to the Danamon LEBIH PRO/Danamon LEBIH PRO iB account participating in the program. Information regarding the status of fulfilment of the General Terms and Conditions of the Program can be obtained at the latest at the end of the following month through the Bank Danamon branch office where the Customer participates in this Program.
2. Specifically for prizes in the form of cashback, they will be credited to the Danamon LEBIH PRO account participating in the Program.
3. Specifically for prizes in the form of e-vouchers, these will be given to customers via email or WhatsApp Blast from the mobile phone number registered in the Bank Danamon system.
4. Prize tax is borne by Bank Danamon. All matters relating to the calculation and reporting of tax on prizes received by customers are entirely the responsibility of the customer (self assessment basis).
5. Danamon Bank is not the guarantor of the prizes obtained by customers under this Program; therefore, any complaints regarding the quality of the prizes must be directed to the prize manufacturer.

1. The Customer hereby authorises Bank Danamon to: (i) block and unblock funds in accordance with the Cancellation Form and the General Terms and Conditions of the Program; and/or (ii) debit the Customer's account at Bank Danamon for the payment of Penalty Fees if the Customer cancels the Program or fails to comply with the General Terms and Conditions of the Program.
2. The authorisation granted by the Customer in the General Terms and Conditions of the Program is granted to the Bank with the right of substitution and as long as the Customer's obligations to the Bank have not been fully fulfilled, such authorisations cannot be revoked or terminated for any reason, including but not limited to the reasons stated in Article 1813 (termination of authority: by the revocation of the authority by the principal; by notification of termination of authority by the principal; by the death, incapacity or bankruptcy of the principal or the agent), 1814 (the principal may revoke the authority whenever he/she so desires, and if there are grounds for doing so, compel the attorney to return the power of attorney held by him) and 1816 (the appointment of a new attorney to carry out the same business shall result in the revocation of the first power of attorney, effective from the date of notification of the appointment to the latter) The Civil Code and these powers are an integral part of the General Terms and Conditions of this Program.

1. Customers will not receive a Reward if their participation in the Program does not comply with the applicable Program Terms and Conditions.
2. If a Customer receives a Reward in the form of an e-voucher but does not use it by the end of its validity period, that e-voucher Reward shall be deemed forfeited and cannot be reclaimed on any grounds.
3. Customers shall not be entitled to receive Additional Rewards if the quota for Additional Rewards under the Program has been met.

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. The complaint handling procedure can be accessed via the website: https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. This Program forms an integral part of the "General Terms and Conditions for banking account and services of PT Bank Danamon Indonesia Tbk“, “General Terms and Conditions for Sharia banking account and services of PT Bank Danamon Indonesia Tbk”, “General Terms and Conditions of Danamon LEBIH PRO account”, “General Terms and Conditions of Danamon LEBIH PRO iB account”, and/or other relevant banking product and service terms and conditions. In case of any difference or contradiction between these documents and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall apply
2. The General Terms and Conditions of this Program form an integral part of the General Terms and Conditions of Accounts and Banking Services and the General Terms and Conditions of Sharia Accounts and Banking Services issued by Bank Danamon. These terms and conditions remain in force unless otherwise stipulated in the General Terms and Conditions of this Program.
3. The Customer hereby agrees and acknowledges that Bank Danamon reserves the right to amend/change/supplement the General Terms and Conditions of the Program from time to time. Any changes/additions/updates to the General Terms and Conditions of the 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 has the right 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).
4. The customer understands that, for certain changes in accordance with the provisions of the applicable laws and regulations, the Notice Period for such changes may be waived.
5. 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.
6. 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 Program, and/or the awarding of rewards to the Customer concerned. Customers remain obligated to settle all their obligations to Bank Danamon (if any).
7. 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 decision, 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.
8. The Customer agrees that the placement of funds in a savings account with a return above the maximum interest rate guaranteed by the Deposit Insurance Corporation is not guaranteed by the Deposit Insurance Corporation. The prize received by the Customer is also calculated as a component of the maximum guaranteed interest rate. The Customer can find out about changes to the maximum guaranteed interest rate through a Bank Danamon branch office or through Hello Danamon.
9. The headings and terms used in these General Terms and Conditions are intended solely to facilitate understanding of the content of these General Terms and Conditions.
10. 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).
11. 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).

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/third parties associated with or acting on behalf of Bank Danamon or the Program are beyond the authority of Bank Danamon.