Giro Syariah iB Wadiah

Product Information

Giro Syariah iB Wadiah is a Sharia-compliant current account product based on the Wadiah contract, offering various convenient transaction features

Contract
Wadiah (Safekeeping)

Benefit

  1. Free of Administration Monthly Fee
    No monthly administration fee is charged to the customer.
  2. Modern Transaction Features
    Enjoy seamless transactions through Mobile Banking and Internet Banking (D-Bank PRO), Danamon SMS, ATMs, and Hello Danamon—anytime, anywhere
  3. Compliant with Sharia Principles
    Your funds are managed in accordance with Sharia principles

Features

Giro Syariah iB Wadiah Main Features
Customer Criteria Nasabah Non Individual
Transaction Reporting Media  
  1. E-Statement.
  2. Printed Statement, ( vailable only for selected customers who meet the Bank’s eligibility criteria)
Minimum Initial Deposit IDR 100,000
Held Balance IDR 0
Minimum average balance required to avoid administration fees IDR 0
Joint Account Joint account “OR” and / or joint account “AND”
Debit Card / Danamon ATM No Debit Card/ATM facilities are provided
E-Channel Facilities   Non‑individual customers may conduct transactions only through teller services at Bank branches
Daily Purchase Transaction Limit  
Debit Card Type EDC Payment Limit Default Debit Online Limit
Regular Mercusuar IDR 50,000,000 IDR 10,000,000
Ultimate IDR 75,000,000 IDR 10,000,000
Privilege IDR 100,000,000 IDR 10,000,000
GPN IDR 50,000,000 -
Hajj IDR 50,000,000 IDR 10,000,000
 
Daily Withdrawal Limit on ATM
Debit Card Type Limit
Danamon Privilege IDR 15,000,000
Danamon Optimal IDR 10,000,000
Danamon Reguler IDR 10,000,000
Danamon GPN IDR 10,000,000
Danamon Hajj IDR 10,000,000
Danamon Youth IDR 1,000,000
Danamon Junior IDR1.000.000
 
E-Channel Daily Transfer Limit ATM
Debit Card Type Overbooking Other Bank Transfer
Danamon Privilege IDR 200,000,000 IDR 25,000,000
Danamon Optimal IDR 200,000,000 IDR 25,00,000
Danamon Reguler IDR 200,000,000 Rp25.000.000
Danamon GPN Rp200.000.000 Rp25.000.000
Danamon Hajj Rp200.000.000 Rp25.000.000
Danamon Youth Rp1.000.000 Rp1.000.000
Danamon Junior Rp1.000.000 Rp1.000.000
  Mobile Banking (D-Bank PRO) Transfer between Danamon accounts (overbooking)
Transaction Type Minimum Limit Maximum Limit
Overbooking Danamon
(same currency) 		IDR 1 IDR 2,000,000,000
Overbooking Danamon
(different currency) 		IDR 1,700,000 IDR 2,000,000,000
  Transfer to Other Bank
Transaction Type Minimum Limit Maximum Limit
per transaction 		Maximum Limit Per Day
SKN/LLG IDR 10,000 IDR 500,000,000 IDR 1,000,000,000
RTGS More than
IDR 100.000.000 		IDR 500,000,000 IDR 1,000,000,000
BI-FAST IDR 10,000 IDR 250,000,000 IDR 1,000,000,000
Inter-Bank Transfer (IBFT – Online Transfer) IDR 10,000 IDR 100,000,000 IDR 200,000,000.
 

Risk

  1. Any costs that arise due to the Customer’s carelessness or negligence will be the Customer’s responsibility.
  2. Your savings are not covered by LPS (Deposit Insurance Corporation) if your total balance with a single bank exceeds IDR 2 billion.
  3. Misuse of e‑channels, PINs, debit cards, or passbooks may result in the loss of funds in your account.
  4. Other risks may apply as outlined in the General Terms and Conditions of Sharia Banking Accounts and Services

Fees

COSTS
Monthly Administration Fee Free
Monthly Debit/ATM Fee  
  • Virtual Debit Card
 Free
  • Physical Debit Card
 Free
Debit Card/ATM application fee via the D‑Bank PRO app :  
  • Virtual Debit Card
 Free
  • Physical Debit Card
  		Free of charge until 30 June 2026, exclusive for customers who maintain a minimum balance of IDR 100,000. If the balance falls below IDR 100,000, customers will not be able to request a physical Debit Card
Stamp Duty Fee IDR 10,000
Debit Card/ATM Replacement Fee at Branches:  
  • Card retained by the ATM machine
 Only a stamp duty fee of IDR 10,000 applies
  • Lost / Stolen
  		IDR 25,000 plus a stamp duty fee of IDR 10,000
  • Damaged card or incorrect PIN
 IDR 25,000
  • Expired card
 Free
Debit Card Replacement Fee via the D‑Bank PRO App :  
Expired card Free
Transaction Report Printing Fee (per sheet): Effective 16 June 2025 IDR 100,000 + IDR 5,000 per sheet
Minimum balance required to avoid additional administrative fees. Note: The minimum balance is calculated based on the customer’s average monthly account balance IDR 0  
Additional administrative fees will be charged if the balance falls below the minimum IDR 0
Dormant fee IDR 0
Close Account   IDR 50,000  
e-Statement fee Free
Printed Statement).   IDR 100,000 per month (effective 15 March 2025)
ATM Usage    
  • Balance check in Danamon ATM
 Free
  • Cash withdrawal in Danamon ATM
Free
  • Balance check in ATM Bersama, ALTO & Prima
 IDR 4,000
  • Cash withdrawal in ATM Bersama, ALTO & Prima
7,500
  • Cash withdrawal using ATM Cirrus
 IDR 25,000
D-Bank PRO usage  
Transfer  
  • SKN transfer
IDR 2,900
  • RTGS transfer
IDR 20,000
  • Online transfer (ATM Bersama/ ALTO/ PRIMA)
IDR 7,500  
  • Transfer BI-FAST (D-Bank PRO) /
  		IDR 2,500
Auto debit   Customers who use the auto-debit service will receive an administrative fee waiver for monthly bill payments for PLN, Telkom, and/or PAM processed through the Bank’s auto-debit facility, subject to an account debit authorization signed by the customer.

Requirements and Procedures

Applications for opening a Giro Syariah iB Wadiah account may be submitted by customers through the Bank’s branch offices or digitally, subject to the terms and requirements set by the Bank.

  1. Account opening via branch: Customers are required to complete and sign the Customer Data and Account Opening Form.
  2. Account opening via digital channels: Customers are required to complete and fulfil the requirements in accordance with the steps provided during the digital account opening process.
  3. Customers are required to submit the required documents, including but not limited to:
    • A copy of a valid identification document (ID Card/Driver’s License/Passport).
    • A copy of the Tax Identification Number (NPWP).
    • Other documents as required by the Bank.
  4. Customers may submit inquiries and/or complaints regarding banking products and/or services verbally and/or in writing through: Bank Danamon branch offices; Hello Danamon Call Center: 1-500-090, or email: hellodanamon@danamon.co.id.

Other Information

To view complete information on the features of Giro Syariah iB Wadiah, please click here.

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