Free transfer fees to other banks via SKN and/or RTGS, free cheque/clearing deposit fees, and free cheque book and giro slip purchase fees, with details as follows:

Currently:

• *Fee waiver applied directly at the time of transaction.
• **Fee waiver applied via a refund mechanism on the 10th of the following month, based on the previous month's average balance.

Effective on 01 October 2026

• *Fee waiver applied directly at the time of transaction.
• **Fee waiver applied via a refund mechanism on the 10th of the following month, based on the previous month's average balance.

*The indicative equivalent rate is derived from the customer’s profit-sharing ratio (nisbah) multiplied by the Gross Profit Distribution (GPD) for the current month and is not fixed.

The risk that coming with BISA iB Current Account is the fee and nisbah fluctuations that can be done anytime by the Bank and will be informed through branches, website or other media that is considered feasible by the Bank.    

• Showing authentic valid ID (ID card/driving license/passport);
• Showing an authentic and a copy of SIUP/NPWP/TDP/Business Certificate/other documents (for non-individual);
• Completing account opening form.
  

If there is any complain or unclear information, please call Hello Danamon at 1-500-900 or visit the nearest branch.

Simulation (Effective 1 October 2026)

Simulation free of transaction and Cheque/Giro book for balance average 100 million - < 500 million:

Simulation of profit sharing calculation Giro BISA Syariah iB for balance IDR 50.000.000.000 with tiering profit sharing ratio as follows :

Gross Profit Sharing:
(IDR 500 Million x 0.01 %)+(IDR 1.5 Billion x 0. 50 %)+(IDR 8 Billion x 0.75%)+(IDR 15 Billion x 1.00%)+(IDR 25 Billion x 2.50 %) / 365 = IDR 2,308,356.16

Tax 20% = IDR 2,30,356.16 x 20 % = IDR 461,671.23
Net profit sharing = IDR 2,308,356.16 – IDR 461,671.23 = IDR 1,846,684.92

More details on Giro BISA Syariah iB feature, click here