DBS KTA

Announcement

DBS Indonesia Strengthens Focus on Wealth Management

DBS Indonesia is sharpening its strategic focus and accelerating a multi-year plan to grow its Wealth Management business in Indonesia.

Effective 1 August 2026, DBS Indonesia will no longer offer new personal loans [Unsecured Loan (KTA)] to customers in the market. Existing personal loan (KTA) customers will continue to be serviced as usual.

The move reflects the bank’s strong growth momentum in the wealth segment and long-term opportunities to help its clients better manage their wealth.

If you have further queries, you may contact DBSI Customer Centre at 08041500327 / +622129852888 (from overseas).

DBS KTADBS KTA is a bank loan provided to borrowers without requiring any collateral or guarantee. The KTA can be used for various purposes, including education costs, lifestyle, hobbies, home renovation, business capital, and other needs.

DBS KTA Fees

Annual Fees:

Year 1*: 1,95% of the approved DBS KTA amount
Year 2**: IDR115,000 per year

Administration Fee*: IDR399,000

Loan Disbursement Transfer Fee*: IDR30,000

Late Payment Fee: minimum IDR250,000 or 6% of monthly installment per occurrence

Stamp Duty***: IDR10,000

Early Repayment Fee: 8% of remaining loan and other charges

Cancellation Fee: 8% of remaining loan and other charges

Cheque/Giro/Direct Debit Rejection Fee: IDR50,000 per rejection

Overpayment Refund Fee: IDR30,000

Overpayment Administration Fee****: IDR100,000

Service Fee*****: IDR10,000

* Fee is deducted once upfront from the total loan amount approved by the Bank.** Added to the 13th and/or 25th installment payment and onwards.*** Applicable for KTA disbursements above IDR5,000,000.**** Fee is deducted monthly for closed DBS KTA accounts with overpayments.***** Service fee is added directly to each monthly installment.

DBS KTA interest

How to pay DBS KTA loan installments?

Here are the ways to pay your DBS KTA through several available methods:

Bank Transfer via Mobile Banking (Method: BIFAST or RTOL)

Log in to your mobile banking application.
Select "Interbank Transfer."
Select "Bank DBS Indonesia."
Enter your 10-digit DBS KTA Loan Account number (Example: 78XXXXXXXX).
Enter the payment amount (according to your bill amount).
Enter PIN/password.
Transfer successful.

Bank Transfer via ATM

Insert ATM Card.
Enter PIN.
Select "Transfer" menu.
Select "Interbank Transfer."
Enter Bank DBS Indonesia code (046) followed by your 10-digit DBS KTA loan account number (Example: 046+78XXXXXXXX).
Enter the transfer amount (according to your bill amount).
Enter ATM PIN.
Transaction complete.

Via Payment Menu in Mobile Banking – Partner Banks

Log in to your mobile banking application.
Select "Pay" or "Payment" menu.
Select "Credit Payment" menu.
Select "Bank DBS Indonesia."
Enter your 10-digit DBS KTA Loan Account Number.
Enter the payment amount (according to your bill amount).
Enter PIN.

Via Indomaret Outlet

State your DBS digibank savings account number or DBS KTA Loan Account Number to the Indomaret cashier.
Confirm your DBS digibank savings account number or DBS KTA Loan Account Number and ensure the billed amount is correct.
Make payment with cash or debit card.
Keep the receipt provided by the cashier as proof of DBS KTA payment.
Payments can be made at all Indomaret outlets in Indonesia and will be processed within a minimum of 3 (three) working days.

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