FAQ

digibank KTA is an instant credit solution that gives you the ease to get unsecured loan, with fixed installments and payment tenor from 6, 12, 18 and 36 months

To apply digibank KTA, you have to comply with the requirements below:

1. Have electronic ID
2. Age from 21 to 60 years old (by the time loan period ends)
3. Domiciled at Jabodetabek, Bandung, Semarang or Surabaya
4. Minimum salary IDR3,000,000 per month


No other documents needed, except electronic ID (e-KTP)

The credit limit starts from IDR 3,000,000 to IDR 80,000,000.

You can login to digibank by DBS App and select Personal Loan from the main menu.

Yes. You should put your name exactly as stated in your electronic ID when applying for digibank KTA for easier profile checking.

digibank KTA application process will be done digitally with instant approval for your convenience, that’s why we urge you to download digibank by DBS App.

digibank KTA submission process will be done through a secured web and/or digibank by DBS App, so you will not be contacted by phone, except during biometric verification (with digibank agent).

You will find out if you are eligible or not, instantly. Make sure you complete every required field during your application, including the biometric verification process with a digibank agent. If the biometric verication is successful, we will disburse your fund instantly to your digibank savings account.

The installment payment due date is based on the date your loan is disbursed. You can find the installment payment due date in your digibank by DBS App and in the Credit Agreement which you receive through your e-mail address.

digibank KTA instalment payment can be done through autodebit from your digibank Savings on the due date. To enable the autodebit, make sure you have sufficient balance in your digibank Savings account at least one day before due date.

  1. You can top up you balance via Bank transfer, either from the counter, ATM or internet/mobile banking.
  2. Choose PT BANK DBS INDONESIA (bank code: 046)
  3. Enter your digibank Savings account by clicking 'Lihat Rekening' in the digibank by DBS App main menu.
  4. Follow next instruction from the bank.
  5. Check your balance in digibank by DBS App main page to make sure your digibank Savings balance have been topped up.

Yes, there are 2 ways to pay your digibank KTA bills:
  1. Via ATM Bersama / ATM Prima:
    • Choose ""Transfer / Pemindahbukuan""
    • Enter Bank Code + Account Number: 046 + your digibank KTA account number
    • Follow the next instructions.
  2. Via SKN at the nearest DBS branch, your destination account number is your digibank KTA loan account number. You can find your digibank KTA loan account number in your digibank by DBS App or in the Credit Agreement that have been sent through to you via email.

First, make sure you have balance in your digibank account. The bank will still debit from your account even if your balance is insufficient. But if your balance is insufficient and and you are unable to make full repayments as soon as possible, this can affect your credit quality and credit collectibility status at the Financial Services Authority (OJK).

At the mean time loan payments can only be done through autodebit feature via your digibank Savings or through transfers (SKN) at the nearest DBS branch.

You can check your payment status in the Personal Loan page in your digibank by DBS App and check the Personal Loan transaction history.

digibank KTA will send billing reminder by e-mail and SMS to remind you of the future payment schedule.

Autodebit will be done on the previous business day, for example:

the due date of January 25 falls on Saturday, then the autodebit will be effective on January 24 on Friday.

You have a maximum of 30 days from the transaction date to pay the bill. If you fail to pay, you will be charged a late fee that will be billed on the next month's bill. This can affect credit quality and credit collectibility status at the Financial Services Authority (OJK).

You have a maximum of 30 days from the transaction date to pay the bill. If you fail to pay, you will be charged a late fee that will be billed on the next month's bill. This can affect your credit quality and credit collectibility status at the Financial Services Authority (OJK).

Late fees start from IDR 150,000 depending on the principal amount of the loan and you can find the information on the Credit Agreement for digibank KTA. You can see the details of fees through this link. Late fees will be billed in the following month's installments.

If you have received funds from the KTA loan, you can pay off your loan early by contacting the DBSI Customer Center at 0804 1500 327 or +62 21 298 52888 from outside Indonesia, and you will be charged a cancellation fee of 8% of the loan amount.

DBS will inform you about the status of your digibank KTA application via SMS and e-mail.

digibank KTA is an Unsecured Loan that you can get by registering thru digibank by DBS Appwith an instan approval.

While Dana Bantuan Sahabat is an Unsecured Loan by DBS Indonesia that you can get by registering thru regular process (besides digibank by DBS App)

Clikck here for more info

1. What is the number of the ongoing installment?
2. How much is the amount of my installments per month?
3. When is my loan settlement date?
4. Where can I review the digibank KTA transaction history?
5. How much is the interest on my digibank KTA installment?

You can get these informations through the digibank by DBS App. Select "Personal Loan" to get details about:

1. Number of ongoing installment, you can see the information in point A in the illustration below.
2. The amount of your monthly installments, you can see the information in point B in the illustration below.
3. Your loan settlement date can be found in point C in the illustration below.
4. Your transaction history can be found in point D in the illustration below.
5. Interest on your loan instalment can be found in point E in the illustration below.

We will send the settlement letter through your e-mail no later than 1 week after you have settled all your digibank KTA instalment.

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