FX Transaction Flash Rate

The Program is valid on 25 November 2025 (“Program Period”).

This program is intended for customers who already have a foreign currency account/Danamon Lebih PRO account and have D-Bank PRO, hereinafter referred to as "Customers".

1. Customers are required to read, understand and comprehend the characteristics, benefits, risks, costs and other provisions of the Program and agree to the General Terms and Conditions of the Program.
2. Bank Danamon has the right to reject or cancel a Customer's participation in this Program if the Customer does not fulfill the General Terms and Conditions of the Program.
3. The Customer is fully responsible for all risks of loss, demands, lawsuits, and/or claims in connection with the Customer's participation and/or cancellation of participation in this Program.
4. A certain exchange rate for a certain period of time (“Flash Rate”) applies to Japanese Yen (JPY) purchase transactions from Rupiah (IDR) in the D-Bank PRO application.
5. To obtain the Flash Rate, Customers are required to conduct foreign exchange transactions (FX Online) in the D-Bank PRO application on the specified date and time which will be informed to Customers via email communication channels, the Danamon Corporate Website, and/or notifications in D-Bank PRO (“Transactions”).
6. The transaction volume limit with Flash Rate per Customer is JPY 775,000 (seven hundred and seventy-five thousand Japanese Yen) during the Program Period (“Transaction Quota”).
7. If the Transaction Quota has run out, the Customer cannot make transactions with the Flash Rate even though the Program Period has not ended.
8. By the Customer carrying out a Transaction in accordance with the General Terms and Conditions of the Program, the Customer is deemed to have read, understood and agreed to participate in the Program and be subject to the Terms and Conditions of this Program. The Transaction constitutes valid evidence of the Customer's participation in the Program and the Customer's agreement to be subject to the General Terms and Conditions of the Program.

1. Customers can directly make foreign exchange transactions with Flash Rates during the specified program period via D-Bank PRO.
2. In the event that the Customer's account is inactive, blocked or there are other conditions that prevent foreign exchange transactions from being carried out, the Customer hereby acknowledges and agrees that the Customer cannot carry out foreign exchange transactions at D-Bank PRO.
3. Customer participation in this program is free of charge.
4. Customers are fully responsible for tax obligations (if any) in accordance with the tax provisions appicable in Indonesia from time to time.

The simulation of the implementation of 'Flash Rate' is as follows:

• SCENARIO 1:
  Customers successfully do FX Transaction with the 'Flash Rate'.
  • A customer transacting foreign exchange at D-Bank PRO buys US Dollars from Rupiah amounting to USD 1,000 on Monday/17 November 2025; the exchange rate obtained is the ’Flash Rate’.
• SCENARIO 2:
  The customer was unable to successfully do FX Transaction with the 'Flash Rate' because the transaction amount exceeded the transaction quota.
  • A customer transacting foreign exchange at D-Bank PRO bought US Dollars from Rupiah for USD 5,500 on Monday/17 November 2025; the transaction could not be executed because the transaction nominal exceeded the transaction quota per customer.
• SCENARIO 3:
  The customer was unable to successfully do FX Transaction with the 'Flash Rate' because the transaction time was not within the program period.
  • A customer transacting foreign exchange at D-Bank PRO buys US Dollars from Rupiah in the amount of USD 1,000 on Tuesday/18 November 2025; the exchange rate obtained is not the Flash Rate, but the prevailing exchange rate at the transaction time.
• SCENARIO 4:
  Customers cannot do FX transactions with the 'Flash Rate' because the currency being transacted is not the currency specified for the 'Flash Rate'.
  • A customer transacting in foreign exchange at D-Bank PRO buys Japanese Yen from Rupiah amounting to JPY 10,000 on Monday/17 November 2025; the exchange rate obtained is not the 'Flash Rate' because Japanese Yen is not the currency specified for the 'Flash Rate', however the customer can still transact at the exchange rate determined by the bank at that time.

1. Customers can submit complaints about banking products/services verbally or in writing through the nearest Bank Danamon branch office or Hello Danamon (1-500-090) or via e-mail at hellodanamon@danamon.co.id.
   
2. Procedures regarding Customer Complaints services can be accessed via the website https://www.danamon.co.id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.
   

1. The General Terms and Conditions of this Program are an inseparable part of the "General Terms and Conditions for Bank Danamon Accounts and Banking Services", "General Terms and Conditions for Foreign Currency Purchase and Sale Transactions Through D-Bank PRO", and "General Terms and Conditions of D-Bank PRO". In the event of any difference or conflict between these provisions and the General Terms and Conditions of the Program, the General Terms and Conditions of the Program shall prevail.
2. The Customer hereby agrees and acknowledges that Bank Danamon has the right to improve/change/complete the General Terms and Conditions of this Program from time to time. Any changes/additions/updates to the General Terms and Conditions of this Program can 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 notification of the changes made 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 the Program participation by first completing all the Customer's obligations to Bank Danamon (if any).
3. The Customer declares that there are no and will not be any transactions that are suspected of being money laundering crimes and/or other transactions that are not permitted based on the laws and regulations in force in Indonesia.
4. If there are indications of fraud, cheating, and/or transaction irregularities, unusual transactions, money laundering crimes and/or actions that are not in accordance with laws and regulations, then Bank Danamon has the right to cancel transactions, cancel participation in the Program, or cancel the provision of cashback to the Customer concerned. Customers are still required to pay off all obligations to Bank Danamon.
5. If there is a provision in the General Terms and Conditions of this Program which due to a Government or court decision is prohibited or cannot be implemented or becomes invalid or is declared null and void by law, this does not affect the validity of the other provisions in the General Terms and Conditions of this Program, and the other provisions remain valid and binding and can be implemented as determined in the General Terms and Conditions of this Program.
6. If any irregularities are found regarding this Program or if it is felt that fraud has occurred, Customers are advised to immediately report this via Hello Danamon.
7. The titles and terms used in the General Terms and Conditions of this Program are solely intended to facilitate understanding of the contents of the General Terms and Conditions of this Program.
8. General Terms and Conditions This program has been adjusted to the provisions of laws and regulations, including the provisions of the Financial Services Authority regulations.
9. Bank Danamon is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI) and is a participant in the Deposit Insurance Corporation (LPS) guarantee.
10. These General Terms and Conditions are made in two languages (Indonesian and English). In the event of any difference in meaning or interpretation between the two, the Indonesian version will apply.

Customers must be wary of fraud committed by individuals claiming to represent the Bank and promising prizes in any form. Any fraud or other criminal activity committed by third parties associated with or acting on behalf of Bank Danamon or this Program is beyond Bank Danamon's responsibility.