Ways to Bank

Online Banking for Business - IDEAL™ 3.0

Bank with us in a faster, simpler, smarter way

DBS IDEAL™ 3.0, our online banking platform features a comprehensive range of products and services to manage your working capital. Whether you are looking to monitor for incoming funds, view remittance advice and statement for reconciliation purposes, or simply pay your employees and suppliers, IDEAL™ 3.0 offers you an easy to use platform that makes banking faster, simpler and smarter.


Why choose DBS IDEAL™ 3.0?

  • Access account information such as statements and transaction advice at your fingertips, either online, by email or through Mobile Banking
  • Make payments simply and quickly though our innovative transaction features such as Transfer Wizard
  • Save your payment information in easy to use templates for greater convenience when making recurring payments or payroll
  • Manage your entire trade finance cycle on a single platform, from order to production, shipment, delivery and settlement

Product Details

Account Information at your Fingertips

  • Single access to all your business banking accounts across the DBS network
  • Personalised dashboard that displays key account information upon login
  • View enriched account statements and transaction advice slips for the last six months
  • Schedule reports such as account statements and remittance advice to be delivered automatically to your email address
  • Receive real-time alerts for important activities such as payment due, low balance and incoming funds


Seamless Payments and Transactions

  • New Transfer Wizard eliminates banking jargon and recommends available payment types for your transactions
  • Set up template and file upload arrangements for frequent transactions including payroll
  • Leverage bank and beneficiary libraries to input your beneficiaries quickly and accurately
  • Notify your beneficiaries upon successful transactions via beneficiary advising
  • Make overseas payments with previously purchased FX contracts
  • Integrate with your Enterprise Resource Planning system for a seamless payment and reconciliation experience


Trade Finance

  • Manage your trade cycle on a single platform, from order, production, shipment and delivery to settlement
  • Access a wide range of trade instruments and sign up for accompanying alerts and notifications
  • Submit trade finance applications quickly and easily via straight-through-processing forms


Mobile Banking

  • Access your account via our specially designed iPhone App or any smartphone browser
  • View your account balances and activities anytime, anywhere
  • Approve transactions at any time, from anywhere

Pricing Packages


Package Type



Services available



Setup fee



Monthly maintenance fee



Security device (At point of registration)



Subsequent security device





View account statements, trade transactions, remittance advice slips, enquire on Fixed Deposits and subscribe to alerts and trade notifications



Make payments locally and internationally via Intra Company Transfer, Account Transfer, SKN Payment, RTGS Payment or Telegraphic Transfer



Make payroll transfers to multiple recipients on a regular basis via SKN Payment



Enquire about trade transaction details and history. Submit new trade applications including Documentary Credit, Documentary Collection, Guarantees, Standby Letter of Credit and Trade Loan. Provide acceptance of Import Bills and settlement instructions.


Minimum Requirement


Intel (Core 2 and above) based computer and Macintosh


1 GB

Hard disk space

40 MB and above

Internet access


Additional software

Adobe Acrobat Reader version 5 and above for report generation

Additional settings

Turn off your pop-up blocker settings or include http://ideal.dbs.com/ in the pop-up blockers exclusion list

Operating system

Internet Explorer 7, 8 and 9

    1. If you are an:
      1. Existing DBS SME Banking customer and would like to sign up for IDEAL™ 3.0
      2. Existing IDEAL™ customer who wish to upgrade your service package from Enquiry to Transaction


      Download, unzip and complete the Application Pack containing:

      • Application Form
      • Sample Form for Reference
      • Electronic Banking Power of Attorney
      • Electronic Banking Terms & Conditions – Indonesia
      • Additional Pages (if required) for Services & User Roles, Authorisation Policy & Other Instructions


    1. If you are an existing IDEAL™ customer and would like to request any of the following:
      1. Update Account Numbers
      2. Add, Remove or Update Users
      3. Update Authorisation Policy
      4. Modify Account Settings & Other Instructions
      5. Request for New User Login PIN
      6. Unlock User Access
      7. Unlock or Replace Security Devices


      Download, unzip and complete relevant pages of the Maintenance Form


      If you’ve forgotten your Org ID and User ID, please contact our IDEAL Helpdesk at +62 21 2988 4221/22 or idcontactgts@dbs.com.


  1. If you are a new IDEAL™ customer, you may also need the following:

We have discovered a malware that steals customer information. Click here for details


Important tips on how you can safeguard and protect your PIN:

  • Never reveal your PIN to anyone
  • Never use the same IDEAL™ PIN for other web-based services
  • Select a unique PIN so it's difficult for anyone to guess (e.g. not to use birth dates or phone numbers)
  • Do not use sequential or repetitive numbers (e.g. 123456 or 111111)
  • Memorise your PIN. Do not write it down or store it
  • Change your PIN regularly by using the Administration Services > My Tasks > Change of PIN service (minimum six digits, maximum nine digits)
  • Change your PIN immediately if you suspect any unauthorised access
  • Before entering your User ID and PIN, check that the site you are visiting belongs to DBS by verifying that the URL displayed in the Internet browser is correct
  • Ensure that IDEAL™ URL is preceded by "https" and there should be a security icon that looks like a lock or key on the Internet browser
  • Use the latest Internet browser for updated security features
  • Avoid storing Organisation ID/User ID/PIN in your browser’s cache
  • Avoid using shared/public computers to access IDEAL™
  • Ensure your anti-virus software is updated regularly against the latest Trojan viruses


Important tips on how you can safeguard and protect your DBS IDEAL™ Security Device:

  • Never reveal your IDEAL™ Security Device PIN to anyone.
  • Each IDEAL™ Security Device is unique and tagged to your User ID. You will not be able to use another person's registered security device to input as your IDEAL™ Security Access Code.
  • Do not leave your IDEAL™ Security Device unattended and always keep it under lock and key when not in use.
  • Never tamper with your IDEAL™ Security Device.
  • Change your IDEAL™ Security Device PIN regularly by pressing and holding the red for more than two seconds.



  • No DBS employee will ever ask you for your PIN for any reason
  • Login to IDEAL™ regularly to ensure that your credentials are valid and active. For security reasons, we may revoke access to IDEAL™ if your authorised representatives do not login to the system for more than a year.


Visit the DBS Security website for more information including the latest news and tips to help enhance your online banking security.


Who should be the signatory for my IDEAL™ application forms?

IDEAL™ application forms must be signed by authorised company signatories.

What service charges are levied for IDEAL™?

IDEAL™ customers are charged a setup, monthly maintenance, and security device fee. Please refer to the Pricing tab above or IDEAL™ Application Pack for more information.

Can I access IDEAL™ any time?

Yes, IDEAL™ can be accessed at any given time, on any given day, including, weekends and Public Holidays.

Can I access IDEAL™ from overseas?

DBS IDEAL™ can be accessed from anywhere in the world as long as you have an Internet connection.

How do I perform basic account management tasks?

Simply download the Maintenance Form and complete the relevant pages in order to perform the following account management tasks:

  • Update account numbers
  • Add, remove or update users
  • Update authorisation policy
  • Modify account settings & other instructions
  • Request for new user login PIN
  • Unlock user access
  • Unlock or replace security devices
How do I terminate my IDEAL™ access?

In order to terminate your IDEAL™ access, please provide us with an official letter on your company letterhead detailing your request. This letter must be signed by authorised company signatories.

How do I learn more?

For more information, please call our IDEAL Helpdesk at +62 21 2988 4221/22 or idcontactgts@dbs.com


How do I apply?

If you are currently not a DBS SME Banking customer, you have to apply for a Business Account before you can sign up for IDEAL™. Please use this Account Opening Form to apply for both a Business Account and IDEAL™ 3.0.


If you are already a DBS SME Banking customer, simply download, unzip and complete the Application Pack in order to sign up for IDEAL™. The pack contains:

  • Application Form
  • Sample Form for Reference
  • Electronic Banking Power of Attorney
  • Electronic Banking Terms & Conditions – Indonesia
  • Additional Pages (if required) for Services & User Roles, Authorisation Policy & Other Instructions