digibank KTA Online

Approval within 60 seconds on the palm of your hand

Online 24 hours

24 Hours

Appoval 60 seconds

Approval in
60 Seconds

Without Physical document

Physical document

Manage The Loan Amount

Your Loan Amount

200 million

Up to
200 million

KTA cicilan hingga 32 bulan

Installments up
36 months



Appy KTA 
dapat voucher gratis 2.5juta


Terms & Conditions


How to Apply digibank KTA

  1. Click “Apply here” on this page and fill in your personal data completely.
    Pay attention to the URL address listed on your browser. Our official page always starts with https://secure.id.dbsdigibank.com/
  1. Wait for the approval in 60 seconds.
    Please do not close or move screens (website or app) so that the approval process goes smoothly.
  1. Select the loan amount and installments, then create a digibank account & password.
    Security tips: Create a password that is hard to guess and avoid using the same password on other applications.
  1. Fill in and complete your data. Then, arrange an appointment with our digibank agent for biometric verification.
    Keep your data confidential and do not allow other people to fill it for you!
  1. Your loan will immediately be disbursed to your digibank account
Please note that we never ask for any fee for opening a digibank account. If there is anything suspicious during the submission process, please report it to the DBSI Customer Center at 0804 1500 327.


Hitung cicilan pinjaman digibank



digibank KTA: What You Need to Know

What are the requirements for digibank KTA?

General Criteria

Employees and Entrepreneurs

Indonesian citizen between 21 – 55 years old


Minimum gross income per month

IDR 5,000,000

Minimum credit card limit (if any)

IDR 7,000,000

Minimum length of business/work

1 year (or 2 years of business if self-employed)

Minimum period of active credit card at another bank

have an active credit card for at least 1 year


Jabodetabek, Bandung, Surabaya, Semarang, Medan

Interest and Fee

Interest Fee (flat/month)*

0,88% - 3,29%

Admin Fee**

IDR 200,000 - IDR 399,000

1st year Fee **

1,75% of the loan amount

2nd year Fee Onwards ***

IDR 65,000

Late Fee

IDR 150,000 – IDR 250,000 or 6% from loan amount (whichever is higher)

Expedited Repayment Fee


Stamp Fee ****

IDR 10,000

Overpayment Refund Fee

IDR 150,000

Overpayment Administration Fee*****

IDR 100,000

Service Fee******

IDR 10,000


* Interest above is indicative interest per month. Interest calculation depends on the principal component of the loan, the interest rate per year and the installment period (in months) as stated in the Credit Agreement when the digibank Personal Loan Facility is approved.
** Fees will be deducted 1 (one) time in advance from the total loan approved by PT Bank DBS Indonesia.
*** Added to the payment of the 13th month installment and/or 25th month installment and/or so on.
**** Charged when applying for and disbursing KTA (above IDR 5,000,000 (five million Rupiah)).
***** Fees will be deducted every month for digibank KTA that is closed and has an overpayment
****** The service fee will be added directly to the monthly installments and will begin to be charged for approved loans as of 1 June 2021

What Is digibank KTA?

digibank KTA is an unsecured credit product issued by Bank DBS Indonesia through the digibank by DBS Application. In contrast to home or car ownership credit products that require collateral, the provision of a KTA digibank limit does not require any guarantees.

Things you can afford with digibank KTA

Once liquidated, digibank KTA can be used for any needs such as:

  • Renovate or fill a house
    digibank KTA can be used to purchase a variety of smart home and green living equipment, exterior and interior renovations, as well as the manufacture of custom-made furniture such as Scandinavian-themed beds and wardrobes, purchase home electronic devices such as refrigerators, washing machines, remodel the workspace at home and make rooms complete baby sleep
  • Traveling
    You can use digibank KTA for your domestic or international travel needs, ranging from the need to buy transportation tickets, to the cost of staying at certain penthouses. Travel costs include the preparation of warm or cold clothes, the cost of eating and drinking, sudden needs, buying souvenirs or souvenirs, or buying ride tickets for a special unforgettable experience.
  • Upgrade your business gadget or equipment
    Of course, digibank KTA will be very useful for developing your business and allowing you to work more productively. Starting from smartphones with the latest features, replacing old laptops with tablets that are more practical and faster, buying home theater or hobby equipment such as spinning machines, or sewing machines, or other equipment that can support your hobbies and passions.
  • Wedding
    The use of digibank KTA loan funds is very flexible, you can transfer them to pay the dowry fee, the cost of the headmaster, building rental, down payment or finalization of payments for dress, clothing and catering vendors, including financing the health tests of the bride and groom. Any need can be met with a KTA digibank loan.
  • Automotive modification
    You can use digibank KTA that has been liquidated to replace old or damaged car or motorcycle accessories, buy sound system equipment and change the interior to make it more comfortable, to modify antique cars for your passion.
Benefits of digibank KTA

Loan funds really help you to organize and manage finances because you can repay large amounts of expenses with fixed amounts that are affordable for you.

With an installment tenor of up to 36 months, you have enough time to manage your expenses and increase your income so that your wealth continues to grow.

The interest is relatively lower than other online loans, of course, it doesn't burden you in paying off the rest of the loan every month.

The digibank application will make it easier for you to monitor bills and installments at any time. Transaction history will be recorded automatically, and you can also easily see the next due date.

Auto-debit payments through the digibank application also make it very easy for you to manage your finances. You can more easily avoid late payments because you can transfer the payment a few days in advance, and the system will debit the amount according to the bill on the due date.

How long is digibank KTA application process?

digibank KTA confirms loan approval in just 60 seconds. If approved, you can view and set the loan amount and tenor you want yourself. For those of you who don't have a digibank account before, don't forget to arrange an appointment with a digibank agent for opening a digibank account. Withdrawals are made in real-time on the same day that you have completed opening a disbursement account. Very fast, isn't it?

digibank KTA approval in 60 seconds


testimoni digibank kta

“Terimakasih kpd digibank sy telah di acc pengajuan KTA sy dan hari ini sdh cair uangnya padahal hari ini hari libur. Prosesnya cepat tidak berteletele, karyawan yang mendatangi sy ramah dan sopan sy akan menjaga kepercayaan ini semoga digibank makin perbankan yang maju dan sukses di indonesia ”

Vonda *****

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