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At a Glance
Apply anytime 24 hours a day
Hassle-free registration, apply online 24 hours a day
Approval only in 60 seconds
High loan limit up to IDR 200 Million
Competitive interest from 0.99% per month
Watch How You Can Apply digibank KTA Instan
Requirement, Interest Rates and FeesLoan Requirements
- Own e-KTP (ID Card)
- Indonesian Citizen (WNI) with a minimum age of 21 years old and a maximum of 60 years old at the at the time of settlement.
- Domicile/work in Jabodetabek, Bandung, Semarang or Surabaya.
- Minimum gross income of IDR 3,000,000 per month
- Profession as an employee (minimum 1 year), professional (minimum 2 years) or self-employed (minimum 2 years).
Interest Rates and Fees
Interest Rate (Flat per month)*
0.95% - 3.29%
Admin Fee **
Rp200,000 - Rp399,000
1st Year Fee **
1.75% of total loan amount
2nd Year Fee and onwards ***
Rp150,000 – Rp250,000 or 6% (whichever higher)
Early Repayment Fee
Stamp Duty Fee **
* Interest rate is indicative per month. The calculation of real interest rate depends on principal amount, annual effective interest rate and loan tenor (in month) as listed on Welcome Letter digibank Personal Loan Facility has been approved.
** Fees will be deducted one time from total loan amount that has been approved by PT Bank DBS Indonesia.
*** Will be charged on installment of 13th and/or 25th and/or onwards.
Interest Rate Illustration
Terms and Conditions of digibank KTA Instan
Calculate your monthly repayment amount
How to Pay Your Monthly Instalment
- Top up your digibank Savings account through inter-bank transfer
- Select beneficiary bank PT Bank DBS Indonesia or type in bank code 046.
- Type in digibank Savings beneficiary account number and follow the next instructions.
- To view your digibank Savings account, click “View Account” in the main page of digibank by DBS App.
Through ATM Bersama / Prima Networks:
- Select “Transfer” and type in Bank Code followed by your digibank KTA Instan loan account number.
046 + digibank KTA Instan account number
- Follow the next instructions
Fill in your personal information and click “Lanjut", then you will receive text messages with an OTP code (one-time password).
Enter your OTP code in the screen above
Fill in your work and home information, then click “Lanjut".
On the screen above, digibank is checking your profile and will give your personal loan approval in 60 seconds. Just have to wait for a while, and don't close or refresh this page
If your loan application is approved, you can immediately select the loan amount and tenure on this page and click “Ajukan Pinjaman" and confirm your loan details again on the next page.
If your loan application is not approved, you will get a notification directly.
After that, you must create a username and password on the page above and click “Lanjut".
Next, download the digibank by DBS App on the App Store or Google Playstore.
Open the digibank by DBS App and login using the username and password that you created on the previous page
Complete your data in the digibank by DBS App and click “Setuju" on the Terms and Conditions. After that, select “Bertemu Agen" and click “Buat Schedule" to verify biometrics.
The biometric verification process is very quickly, you only need to put the index fingerprint on the biometric machine agent.
After completing biometric verification, your loan will immediately be disbursed to the digibank savings account.
Your complete loan details information can be accessed anytime at the digibank by DBS App main menu