Information on the Implementation of Stamp Duty on Mutual Fund Transaction Confirmation Documents– Effective 1 August 2022

Refers to the following regulation:

  • Law No. 10 of 2020 concerning Stamp Duty (“Stamp Duty Law”);
  • Government Regulation (“PP”) No. 3 of 2022 concerning the Provision of Exemption and Imposition of Stamp Duty Facilities;
  • Regulation of the Minister of Finance (“PMK”) Numbers 133 and 134 of 2021 concerning Stamp Duty; and
  • Letter from the Directorate General of Taxes Number S-143/PBM/PJ/2022 dated February 22, 2022 regarding Letter of Determination of KSEI as Stamp Duty Collector since March 1, 2022

in which it is stated that there is a stamp duty fee on the confirmation document of the Mutual Fund transaction. The stamp duty fee applies to the total accumulated value of Mutual Fund transactions above IDR10 million per day at all Mutual Fund Selling Agents (APERD).

The Customer as the Participation Unit Holder (“PUP”)/Investor to bear the stamp duty fee for this Mutual Fund transaction confirmation document. The application of stamp duty fees to the Customer will be implemented for Mutual Fund transactions starting on August 1, 2022 and the debiting of stamp duty fees will be carried out starting September 2022.

The calculation of the stamp duty fee is calculated proportionally by KSEI as the collector appointed by the Directorate General of Taxes based on the number of consolidated transactions of all APERDs carried out by the Mutual Fund PUP on a daily basis, a maximum of IDR10,000 per day.

The types of transactions subject to stamp duty include Subscription, Redemption, Switch-in, Switch-out, Reinvestment, Liquidation, Unit Adjustment and/or other types of transactions as determined by the Financial Services Authority (OJK).

Mutual Fund transaction confirmation documents must be sent to all Customers who make transactions without exception.



Information on the Implementation of Stamp Duty on Bond Transaction Confirmation Documents– Effective 1 August 2022

Refers to the following regulation:

  • Government Regulation (“PP”) No. 3 of 2022 concerning the Provision of Exemption and Imposition of Stamp Duty Facilities;
  • Regulation of the Minister of Finance (“PMK”) Numbers 133 and 134 of 2021 concerning Stamp Duty;

in which it is stated that there is a stamp duty fee on the confirmation document of the Secondary Bond transaction of the value Bond transactions above IDR 10 million per day.

The Customer as the Investor to bear the stamp duty fee for this Bond transaction confirmation document. The application of stamp duty fees to the Customer will be implemented for Bond transactions starting on August 1, 2022 and the debiting of stamp duty fees will be carried out starting September 2022.

The types of transactions subject to stamp duty include Subscription and Redemption and/or other types of transactions at the Bond trading confirmation. 

Secondary Bonds transaction confirmation documents must be sent to all Customers who make transactions without exception.

 

Fees

 
Fund Transfer Real Time Online (RTOL), SKN dan RTGS from digibank App

(digibank balance 0 - IDR 999,999)
RTOL fees: IDR5.000,-
SKN fees: IDR2.900,-
RTGS fees: IDR 20.000,-

(digibank balance ≥ IDR 1,000,000)
Free

 

Start from 23 July 2022

(digibank balance 0 - IDR 4.999.999)
RTOL fees: IDR5.000,-
SKN fees: IDR2.900,-
RTGS fees: IDR 20.000,-

(digibank balance ≥ IDR 5,000,000)
Free



Digibank balance is calculated from daily average balance on all digibank products (savings, term deposits, maxi saver and e-SBN) in the month before


Real Time Online via ATM IDR6,500
BI-Fast from digibank app Free within the promo period until 31 October 2022

Start from 1 November 2022
(digibank balance 0 - IDR 4.999.999)
BI-Fast fees: IDR2.500,-

(digibank balance ≥ IDR 5,000,000)
Free
Cash withdrawal/ balance inquiry Via ALTO/ ATM Bersama/ PRIMA/Visa/PLUS Network Cash Withdrawal Fees: FREE for the first 5 (five) transactions each month and IDR 7.500,- for every transaction afterwards

Balance inquiry : IDR 4.000,-


 Via ATM DBS  Free
Debit Card transaction using EDC/ POS   Free
Debit Card transaction in e-commerce   Free
New Debit Card issuance   Rp50,000,- for second Debit Card replacement request onwards start from 6 April 2020

 

 

Biller Existing

 
Category digibank menu BILLER/MERCHANT

Normal Charge
until 31 Mei 2019

Pulsa Ponsel Prabayar Isi Ulang Telkomsel Pre Paid IDR1,000,-
PLN Prabayar PLN  IDR2,750,-
Transportasi Online GO-PAY IDR2,000,-
Tagihan Ponsel Pembayaran Telkomsel Post Paid IDR1,000,-
Layanan Umum Telkom PSTN IDR1,050,-
 

Bayar & Beli Billers

 
Category digibank menu BILLER/MERCHANT Charge 
until 31 Mei 2019
 Additional info
Sinema Card Voucher XXI-MTIX IDR5,000,-  
Voucher Game Steam 0  

Price may vary according to voucher denomination

iTunes US 0  
Gemscool 0  

Price may vary according to voucher denomination

MOGPlay 0  

Price may vary according to voucher denomination

Garena 0  

Price may vary according to voucher denomination

Mobile Payment Payment Telkomsel Post Paid IDR1,000,-  
TV Kabel Orange TV 0  
MNC Play Media 0  
Insurance BPJS Kesehatan ID2,500,-  
Layanan Umum PLN Taglis  ID2,750,-*  
PLN Non Taglis ID5,000,-*  
 

Limit

 
    Minimum per transaction Maximum per transaction Maximum per day
Transfer to DBS Account via digibank App Other Customer’s DBS account  IDR 1 IDR 100,000,000 IDR 500,000,000
Customer’s Own DBS Account IDR 1 No Limit No Limit
Transfer to DBS Account via ATM Other Customer’s DBS account      IDR 50,000,000
Customer’s Own DBS Account     No Limit
Transfer to other bank's account via digibank App Real Time Online IDR 10,000 IDR 50,000,000 IDR 100,000,000
BI-FAST IDR 10.000 IDR 100.000.000 IDR 250.000.000
SKN IDR 10,000 IDR 200,000,000 IDR 500,000,000
RTGS IDR 100,000,001 IDR 200,000,000 IDR 500,000,000
Transfer to other bank's account via ATM Real Time Online     IDR 50,000,000
Cash withdrawal digibank Debit Card can be utilized in all ATMs with ATM Bersama, ALTO, PRIMA and VISA/PLUS logo     IDR 15.000.000 per day
digibank Debit Card transaction in EDC/ POS       IDR 25,000,000
Debit Card transaction in e-commerce/Online Shopping Transaction       IDR 25,000,000
Total
        Maximum per day
Total transaction on digibank by DBS App       IDR 500,000,000
 

Bill Payment and Top up

 
    Maximum per transaction Total transaction per day Maximum per day
Bill Payment Ponsel Pascabayar, TV Berlangganan, Kartu Kredit, Utilitas, dll IDR 50,000,000 20 Follow the total transaction limit on digibank by DBS App
Voucher Top Up Ponsel Prabayar, Listrik Prabayar, Uang Elektronik, dll IDR 1,000,000 10 Follow the total transaction limit on digibank by DBS App
 

Fixed Deposit

IDR 1.000.000 -< IDR 4.999.999 3.00% 3.25% 3.25% 3.50% 3.50%
IDR 5.000.000 -< IDR 9.999.999 3.00% 3.25% 3.25% 3.50% 3.50%
IDR 10.000.000 -< IDR 19.999.999 3.00% 3.25% 3.25% 3.50% 3.50%
IDR 20,000.000 -< IDR 49.999.999 3.00% 3.25% 3.50% 3.50% 3.50%
IDR 50.000.000 -< IDR 99.999.999 3.25% 3.50% 3.50% 3.50% 3.50%
IDR 100.000.000 -< IDR 249.999.999 3.25% 3.50% 3.50% 3.50% 3.50%
IDR 250.000.000 -< IDR 399.999.999 3.25% 3.50% 3.50% 3.50% 3.50%
IDR 400.000.000 -< IDR 499.999.999 3.25% 3.50% 3.50% 3.50% 3.50%
IDR 500.000.000 -< IDR 99.999.999.999.999 3.25% 3.50% 3.50% 3.50% 3.50%

Deposit

CCY

 

Interest Rate

Tiering Amount (parameterized)

1M

3M

6M

9M

12M

USD

100 - < 5,000

0.30%

0.40%

0.40%

0.40%

0.40%

USD

5,000 - < 10,000

0.40%

0.50%

0.50%

0.50%

0.50%

USD

10,000 - < 20,000

0.40%

0.50%

0.50%

0.50%

0.50%

USD

20,000 - < 50,000

0.50%

0.50%

0.50%

0.50%

0.50%

USD

50,000 - < 100,000

0.50%

0.50%

0.50%

0.50%

0.50%

USD

≥ 100,000

0.50%

0.55%

0.55%

0.55%

0.60%

SGD

100 - < 5,000

0.00%

0.00%

0.00%

0.00%

0.00%

SGD

5,000 - < 10,000

0.05%

0.10%

0.10%

0.15%

0.15%

SGD

10,000 - < 20,000

0.05%

0.10%

0.10%

0.15%

0.15%

SGD

20,000 - < 50,000

0.05%

0.10%

0.10%

0.15%

0.15%

SGD

50,000 - < 100,000

0.05%

0.10%

0.15%

0.15%

0.15%

SGD

≥ 100,000

0.05%

0.10%

0.15%

0.15%

0.20%

JPY

10,000 - < 500,000

0.00%

0.00%

0.00%

0.00%

0.00%

JPY

500,000 - < 1,000,000

0.00%

0.00%

0.00%

0.00%

0.00%

JPY

1,000,000 - < 2,000,000

0.00%

0.00%

0.00%

0.00%

0.00%

JPY

2,000,000 - < 5,000,000

0.00%

0.00%

0.00%

0.00%

0.00%

JPY

5,000,000 - < 10,000,000

0.00%

0.00%

0.00%

0.00%

0.00%

JPY

≥ 10,000,000

0.00%

0.00%

0.00%

0.00%

0.00%

AUD

100 - < 5,000

0.00%

0.00%

0.00%

0.00%

0.00%

AUD

5,000 - < 10,000

0.00%

0.00%

0.00%

0.05%

0.05%

AUD

10,000 - < 20,000

0.00%

0.00%

0.00%

0.05%

0.05%

AUD

20,000 - < 50,000

0.05%

0.05%

0.05%

0.05%

0.05%

AUD

50,000 - < 100,000

0.05%

0.05%

0.05%

0.05%

0.05%

AUD

≥ 100,000

0.10%

0.10%

0.10%

0.10%

0.10%

NZD

100 - < 5,000

0.00%

0.00%

0.00%

0.00%

0.00%

NZD

5,000 - < 10,000

0.00%

0.00%

0.00%

0.05%

0.05%

NZD

10,000 - < 20,000

0.00%

0.00%

0.00%

0.05%

0.05%

NZD

20,000 - < 50,000

0.05%

0.05%

0.05%

0.05%

0.05%

NZD

50,000 - < 100,000

0.05%

0.05%

0.05%

0.05%

0.05%

NZD

≥ 100,000

0.10%

0.10%

0.10%

0.10%

0.10%

GBP

100 - < 5,000

0.00%

0.00%

0.00%

0.00%

0.00%

GBP

5,000 - < 10,000

0.00%

0.00%

0.00%

0.00%

0.00%

GBP

10,000 - < 20,000

0.00%

0.00%

0.00%

0.00%

0.00%

GBP

20,000 - < 50,000

0.00%

0.00%

0.00%

0.00%

0.00%

GBP

50,000 - < 100,000

0.00%

0.00%

0.00%

0.00%

0.00%

GBP

≥ 100,000

0.00%

0.00%

0.00%

0.00%

0.00%

EUR

100 - < 5,000

0.00%

0.00%

0.00%

0.00%

0.00%

EUR

5,000 - < 10,000

0.00%

0.00%

0.00%

0.00%

0.00%

EUR

10,000 - < 20,000

0.00%

0.00%

0.00%

0.00%

0.00%

EUR

20,000 - < 50,000

0.00%

0.00%

0.00%

0.00%

0.00%

EUR

50,000 - < 100,000

0.00%

0.00%

0.00%

0.00%

0.00%

EUR

≥ 100,000

0.00%

0.00%

0.00%

0.00%

0.00%

CHF

100 - < 5,000

0.00%

0.00%

0.00%

0.00%

0.00%

CHF

5,000 - < 10,000

0.00%

0.00%

0.00%

0.00%

0.00%

CHF

10,000 - < 20,000

0.00%

0.00%

0.00%

0.00%

0.00%

CHF

20,000 - < 50,000

0.00%

0.00%

0.00%

0.00%

0.00%

CHF

50,000 - < 100,000

0.00%

0.00%

0.00%

0.00%

0.00%

CHF

≥ 100,000

0.00%

0.00%

0.00%

0.00%

0.00%

CNH

1000 - < 50,000

0.00%

0.00%

0.00%

0.00%

0.00%

CNH

50,000 - < 100,000

0.10%

0.50%

0.50%

0.50%

0.60%

CNH

100,000 - < 200,000

0.10%

0.50%

0.50%

0.50%

0.60%

CNH

200,000 - < 500,000

0.20%

0.60%

0.60%

0.60%

0.70%

CNH

500,000 - < 1,000,000

0.20%

0.60%

0.60%

0.60%

0.70%

CNH

≥ 1,000,000

0.20%

0.60%

0.60%

0.60%

0.70%

CAD

100 - < 5,000

0.00%

0.00%

0.00%

0.00%

0.00%

CAD

5,000 - < 10,000

0.00%

0.00%

0.00%

0.00%

0.00%

CAD

10,000 - < 20,000

0.00%

0.00%

0.00%

0.00%

0.00%

CAD

20,000 - < 50,000

0.00%

0.00%

0.05%

0.05%

0.05%

CAD

50,000 - < 100,000

0.00%

0.00%

0.05%

0.05%

0.10%

CAD

≥ 100,000

0.00%

0.00%

0.05%

0.05%

0.10%

HKD

1000 - < 50,000

0.10%

0.10%

0.10%

0.10%

0.10%

HKD

50,000 - < 100,000

0.10%

0.10%

0.10%

0.10%

0.10%

HKD

100,000 - < 200,000

0.10%

0.10%

0.10%

0.10%

0.10%

HKD

200,000 - < 500,000

0.10%

0.10%

0.15%

0.15%

0.15%

HKD

500,000 - < 1,000,000

0.10%

0.10%

0.15%

0.15%

0.20%

HKD

≥ 1,000,000

0.10%

0.10%

0.15%

0.15%

0.20%

&nbsp;

digibank Saving

 
Product Interest Rate
digibank saving interest rate 0.25% p.a for balance 0 - IDR 99,999,999

0.5% p.a for balance ≥ IDR 100,000,000


*As of 28 April 2022, digibank Saving interest rate will be changed to 0%.
&nbsp;

Maxi Saving

Product

Interest Rate
(For digibank segment)

Tabungan Maxi

3% p.a.

&nbsp;

Forex Account

Currency

Balance

Interest Rate

USD

0=<250,000

0.10% p.a.

>=250,000

0.25% p.a.
SGD, AUD, NZD, CNH

>0

 0.10% p.a.
EUR, GBP, JPY, HKD, CAD, CHF, IDR  

>0

 0.00% p.a.

*Interest calculation is using progressive method