Announcement | DBS Bank Indonesia

Important Announcement

Information Inactive, Dormant, and Zero-Balance AccountEnsure Your Account Remains Active through Regular TransactionsIn accordance with the issuance of “Peraturan Otoritas Jasa Keuangan (POJK) Nomor 24 Tahun 2025” regarding to “Pengelolaan Rekening pada Bank Umum”, please be informed that adjustments to Savings and Current Account status will be implemented gradually starting
9 May 2026, as outlined below:

Savings and Current Account Classification	Transaction Feature & Account Reactivation Method
Active Account Status: Account that has deposit, withdrawal, or balance checking activities.	Transaction Feature ☑ Outgoing fund/debit transaction ☑ Incoming fund/credit transaction
Inactive Account Status: Account that has not had any deposit, withdrawal, or balance checking activity for more than 360 days.	Transaction Feature ⮽ Outgoing fund/debit transaction ☑ Incoming fund/credit transaction Reactivation Procedure Via the DBS digibank Application or by visiting DBS Branch Office and updating your customer data.
Dormant Account Status: Account that has not had any deposit, withdrawal, or balance checking activity for more than 1,800 days.	Transaction Feature ⮽ Outgoing fund/debit transaction ⮽ Incoming fund/credit transaction Reactivation Procedure Via the DBS digibank Application or by visiting DBS Branch Office and updating your customer data.

Automatic closure for account with nil (zero) balance
(applicable for Active / Inactive / Dormant account)

Savings and Current Account with nil (zero) balance maintained for 180 consecutive days (six months) will be automatically closed by the Bank.

Important Notes

Activities that are initiated by the Bank’s system and not included as transaction activities are as follows:

Interest payment.
Tax deduction.
Administration fee.
Dormant fee; and
Autodebet / Standing Instruction.

Savings and Current Account classification is implemented for every account owned by the Customer.

Accounts that are excluded from the implementation of Inactive & Dormant status or automatic zero balance account closure are as below:

Rekening Dana Nasabah (RDN).
Tax Amnesty Account.
Account which is affiliated with other products such as investment/loan/etc.
Account with specific purpose.
Account in dispute.

Terms related to interest/profit sharing, administration fees, and other applicable charges follow the relevant product terms and conditions.

Terms of Savings and Current Account Status Adjustment

Savings and Current Account which is classified as dormant prior to the implementation of POJK No. 24 Thn. 2025 (10 November 2025) and included in “accounts that are excluded from the implementation of inactive & dormant or zero balance auto closure” will be defined as active account.

Savings and Current Account which is classified as dormant prior to the implementation of POJK No. 24 Thn. 2025 (10 November 2025) and not included in “accounts that are excluded from the implementation of inactive & dormant or zero balance auto closure” will be defined as inactive account as of 10 November 2025.

Such Inactive Accounts will be reclassified as Dormant Accounts on day 1,440 from the inactive date, if no reactivation request is submitted by the Customer.

For more information, please contact Relationship Manager/DBS Indonesia Branch Office/Live Chat via DBS digibank Application/DBSI Customer Centre at:

digibank Segment at 0804-1500-327 or +6221-2985-2888 (from overseas).

Treasures & Treasures Private Client Segment at 1500-327 atau +6221-2985-2800 (from overseas).

Operational Information Activity of PT Bank DBS Indonesia Due to Ascension Day of Jesus Christ and Collective Leave.Dear Valued Customers,Please be advised. Due to Ascension Day of Jesus Christ and Mass Leave, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Thursday, 14 May 2026 – Friday, 15 May 2026.The branches will be re-opened on Monday, 18 May 2026.PT Bank DBS Indonesia wishes you Happy Ascension Day of Jesus Christ.Thank you

Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia Amendment of terms and conditions on the document of Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia which will be effective as of 10 May 2026 are as follow:

Addition of definition of “Dormant” in Section A Article 1

Addition of definition of “Customer” in Section A Article 1

Addition of definition of “Inactive” in Section A Article 1

Addition of definition of “Active” in Section A Article 1

Adjustment of information related to Closing or Cancellation of Account in Section B Article 6 Item b

Adjustment of information related to Account Operation in Section B Article 7 Item d

Adjustment of information related to Inactive Account and Dormant Account in Section B Article 15

Adjustment of information related to Multi Currency Account product in Section C Article 3 Item b

Adjustment of information related to Instruction Authorization via Telephone in section D Article 1.2 Item h

Adjustment of information related to Instruction Authorization via Email in Section D Article 1.3 Item o

Click here to view the Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia.

Bank DBS Indonesia System Maintenance NoticeWe would like to inform you that Bank DBS Indonesia will be conducting system maintenance on:Saturday, 28 March 2026, 23:00 WIB - Sunday, 29 March 2026, 07:00 WIBDuring the system maintenance period, several services will be inaccessible, including:

The DBS digibank Application.

Cash Withdrawals, Balance Inquiries, Transfers to Other Banks, and Purchase using DBS Debit Cards.

Transfers to DBS Savings Accounts from other banks via the transfer menu (RTOL and BI Fast).

Payments for DBS Credit Cards, DBS Cashline, and DBS KTA from other banks via the transfer menu (RTOL and BI Fast).

For further information, please contact the DBSI Customer Center at 1-500-327 or +6221-298-52800 (from overseas).We apologize for the inconvenience.Thank you for your understanding.

Operational Information Activity of PT Bank DBS Indonesia Due to Seclusion Day (Nyepi) and Eid Al Fitr 2025Dear Valued Customers,
Please be advised. Due to Seclusion Day (Nyepi) and Eid Al Fitr 2026, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Wednesday, 18 March 2026 – Tuesday, 24 March 2026.
The branches will be re-opened on Wednesday, 25 March 2026.PT Bank DBS Indonesia wishes you Happy Seclusion Day and Happy Eid Mubarak.Thank you

Temporary Closing Schedule Switching Transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS (“MAGOLD”)Dear Valued Customer,Referring to the notification provided by PT Manulife Aset Manajemen Indonesia as the Fund Manager, it is hereby informed the temporary closing schedule switching transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS (“MAGOLD”) product during the period 11 – 20 February 2026 (the “Period”).This temporary closure is due to the closing of stock exchanges in China, where most of the MAGOLD securities portfolio will not be traded from 16-23 February 2026, to celebrate the Lunar New Year. Subscription and redemption transactions of Participation Units MAGOLD proceed as usual during the Period.

Date	Transaction Type	NAV Date	Settlement Date
10-Feb-26	Subscription	10-Feb-26	11-Feb-26
10-Feb-26	Switching	10-Feb-26	11-Feb-26
10-Feb-26	Redemption	10-Feb-26	19-Feb-26
11 -20 Feb 26	Subscription & Redemption	Transaction proceed as usual
11 -20 Feb 26	Switching	Temporary Closed
23-Feb-26	All transaction	Transaction proceed as usual

This applicable for all transaction channels & all Selling Agents. This notice advertisement has been published in Website PT Manulife Aset Manajemen Indonesia https://www.manulifeim.co.id/informasi/pengumuman.html Thank you.

Bank DBS Indonesia System Maintenance InformationWe would like to inform you that Bank DBS Indonesia will be conducting system maintenance on Friday, 16 January 2026, 23:00 WIB - Saturday, 17 January 2026, 07:00 WIB.During the system maintenance period, the following transactions will be inaccessible:

Transactions on DBS digibank Application:

QRIS.
Transfer to Other Banks using RTOL method.
DBS Debit Card-related features (Linkage to account, Request, Replacement, Block, Set/Change PIN).
Set/Change PIN DBS Credit Card.

Cash Withdrawals, Balance Inquiries, Transfers to Other Banks, and Purchase using DBS Debit Cards.

Transfers to DBS Savings Accounts from other banks via the transfer menu RTOL.

Cash Withdrawals using DBS Credit Cards and DBS Cashline in ATM Machine.

Payments for DBS Credit Cards, DBS Cashline, and DBS KTA from other banks via the transfer menu RTOL.

In the meantime, the following transactions can still be made via the BI-FAST menu:

Transfer to Other Banks from DBS digibank Application.

Transfers to DBS Savings Accounts from other banks.

Payments for DBS Credit Cards, DBS Cashline, and DBS KTA from other banks.

We apologize for the inconvenience.Thank you for your understanding.

Deactivation Information of Mutual Fund Eastspring Investments Cash Reserve Kelas AIn regards with the change in Bank DBS Indonesia's internal strategy, we would like to inform you that starting from 9 March 2026, Bank DBS Indonesia will no longer distribute Mutual Fund Eastspring Investments Cash Reserve Kelas A.The types of transactions that apply starting from the deactivation date are:

Savings and Current Account Classification	Transaction Feature & Account Reactivation Method
Active Account Status: Account that has deposit, withdrawal, or balance checking activities.	Transaction Feature ☑ Outgoing fund/debit transaction ☑ Incoming fund/credit transaction
Inactive Account Status: Account that has not had any deposit, withdrawal, or balance checking activity for more than 360 days.	Transaction Feature ⮽ Outgoing fund/debit transaction ☑ Incoming fund/credit transaction Reactivation Procedure Via the DBS digibank Application or by visiting DBS Branch Office and updating your customer data.
Dormant Account Status: Account that has not had any deposit, withdrawal, or balance checking activity for more than 1,800 days.	Transaction Feature ⮽ Outgoing fund/debit transaction ⮽ Incoming fund/credit transaction Reactivation Procedure Via the DBS digibank Application or by visiting DBS Branch Office and updating your customer data.

Find various other investment product options through DBS digibank Application for the continuation of your investment plan.Thus we convey the information. Thank you for your attention.

SMS OTP for contacting DBSI TreasuresIn order to improve service quality, there is an additional step by using SMS OTP for contacting DBSI TreasuresCustomer may contact DBSI Treasures Hotline at 1500327 or +622129852800 (outside Indonesia).After language selection, customer will be required to enter the information of savings account/eKTP/DBS Credit Card or DBS Cashline.Customer will receive SMS OTP to registered phone number, after entering 6 (six) digit OTP code, customer will be connected to the DBSI Treasures Hotline.

Bank DBS Indonesia System Maintenance Notice
Dear Valued Bank DBS Customers,We would like to inform you that Bank DBS Indonesia will be conducting system maintenance on:Day and Date : Sunday, September 21 2025Time : 00.00 - 9.00 WIBDuring the system maintenance period, several services will be inaccessible, including:

The DBS digibank Application

Cash Withdrawals, Balance Inquiries, Transfers to Other Banks, and Purchase using DBS Debit Cards

Transfers to DBS Savings Accounts from other banks via the transfer menu (RTOL and BI Fast)

Payments for DBS Credit Cards, DBS Cashline, and DBS KTA from other banks via the transfer menu (RTOL and BI Fast).

For further information, please contact the DBSI Customer Center at 1 500 327 or +6221 298 52800 (from overseas).We apologize for the inconvenience.Thank you for your understanding. Sincerely,Bank DBS Indonesia

All DBS Indonesia bank branches have reopened and are operating as usualThank you for your trust in Bank DBS Indonesia. As part of our efforts to provide the best service, please be informed that effective Thursday, September 4, 2025. All DBS Indonesia bank branches have reopened and are operating as usual, including: If you require information or services, please contact the Bank DBS Indonesia Customer Centre: 0804 1500 327, DBS Treasures & Treasures Private Client customers: 1500327, or your Relationship Manager. PT Bank DBS Indonesia

Temporary closing schedule switching transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS (“MAGOLD”)Dear Valued Customer,Referring to the notification provided by PT Manulife Aset Manajemen Indonesia as the Fund Manager, it is hereby informed the temporary closing schedule switching transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS (“MAGOLD”) product during the period September 26, 2025 to October 7, 2025 (the “Period”).

Date	Transaction Type	NAV Date	Settlement Date
25-Sep-25	Subscription	25-Sep-25	26-Sep-25
25-Sep-25	Switching	25-Sep-25	26-Sep-25
25-Sep-25	Redemption	25-Sep-25	2-Oct-25
26 Sep-7 Oct 25	Subscription & Redemption	Transaction proceed as usual
26 Sep-7 Oct 25	Switching	Temporary Closed
8-Oct-25	All transaction	Transaction proceed as usual

This temporary closure is due to the closing of stock exchanges in China, where most of the MAGOLD securities portfolio will not be traded from 1-8 October 2025, to celebrate the National Day of the People's Republic of China. Subscription and redemption transactions of Participation Units MAGOLD proceed as usual during the Period.This information applies to all transaction channels & all Selling Agents.This notice advertisement has been published in Website PT Manulife Aset Manajemen Indonesia https://www.manulifeim.co.id/informasi/pengumuman.htmlThank you.

Update on Cheque Collection Service at Bank DBS Indonesia BranchPlease be informed that effective as of 1 October 2025, cheque collection service at Bank DBS Indonesia Branch is only available for USD and SGD.For more information, please contact DBSI Customer Centre at 1500327 or +6221 298 52800 (from overseas).Thank you for your understanding.

Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia Amendment to the terms and conditions in the document Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia, which shall be effective as of 20 August 2025, are as follows:

Changes related to General Conditions of Account Opening for the Customer or the Prospective Customer on Section B Article 1 Point a.

Addition of information regarding General Conditions of Account Opening for account opening of non-resident account on Section B Article 1 Point c.

Addition of information regarding Prime Customer Service on Section B Article 2

Addition of information regarding Customer Statement related to Indonesia Deposit Insurance Corporation (LPS) on Section B Article 4

Changes on Definitions related to FX Transaction on Section B Article 11

Adjustment of the account name from previously Green Savings to be Spark Saving on Section C Article 4

Addition of information related Structured Product on Section C Article 8

Addition of information related Confidentiality of The Customer Personal Data and/or Information on Section E Article 7

Click here to view the Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia.

Relocation of Bank DBS Indonesia Surabaya Galaxy Sub-Branch OfficeDear Valued Customer,Thank you for your support and trust to PT Bank DBS Indonesia (“Bank DBS Indonesia”). We always strive to continuously improve the quality of our services, one of which is by taking strategic steps to ensure maximum business growth opportunities.We would like to inform you that effective 1 August 2025, all transactional activities at Bank DBS Indonesia Surabaya Galaxy Sub-Branch Office will be assigned to our Sub-branch office located at:Bank DBS Indonesia Surabaya Sungkono Sub-Branch
Mayjend. Sungkono No.91, Surabaya
Jawa Timur – 60189For your convenience during the transition period, Bank DBS Indonesia Surabaya Galaxy Sub-Branch Office will continue to serve your banking needs until 31 July 2025 from 08:30 – 15:30 WIB. On the next working day, we welcome you to experience our banking services at theBank DBS Indonesia Surabaya Sungkono Sub-Branch Office.Should you require further assistance, please contact your Treasures Relationship Manager or 24-hour DBSI Customer Centre at 1500 327. For Corporate customer, please contact 1500 380.Thank you and we look forward to serving you better at Bank DBS Indonesia Surabaya Sungkono Sub-Branch Office.

Yours faithfully,PT Bank DBS Indonesia

Relocation of Bank DBS Indonesia Mangga Dua Sub-Branch OfficeDear Valued Customer,Thank you for your support and trust to PT Bank DBS Indonesia (“Bank DBS Indonesia”). We always strive to continuously improve the quality of our services, one of which is by taking strategic steps to ensure maximum business growth opportunities.We would like to inform you that effective 11 August 2025, all transactional activities at Bank DBS Indonesia Mangga Dua Sub-Branch Office will be assigned to our sub-branch office located at:Bank DBS Indonesia Tomang Sub-BranchTotal Building, Jl. Letjen S. Parman Kav 106A, Ground FloorJakarta - 11440For your convenience during the transition period, Bank DBS Indonesia Mangga Dua Sub-Branch Office will continue to serve your banking needs until 8 August 2025 from 08:30 – 15:30 WIB. On the next working day, we welcome you to experience our banking services at the Bank DBS Indonesia Tomang Sub-Branch Office.Should you require further assistance, please contact your Treasures Relationship Manager orThank you and we look forward to serving you better at Bank DBS Indonesia Tomang Sub Branch Office.

Yours faithfully,PT Bank DBS Indonesia

Asked For Your OTP, PIN, or CVV? Just Don’t!In urgent situations or seemingly convincing communications, even the most careful individuals can be caught off guard. Fraudsters know how to manipulate, but you can stay in control.Bank DBS Indonesia (“DBSI”) is committed to protecting every customer from the risks of digital fraud.✅ How to Protect Yourself:

OTP, PIN, and CVV are only valid for transactions you make. If it’s not you, contact the DBSI Customer Centre or our official channels immediately.

Do not click suspicious links from unknown messages or emails.

Only communicate through DBSI’s official contact number printed on the back of your credit card.

Card blocking or replacement can be done via the digibank by DBS app.

Being alert is the first step to financial security. Ensure every transaction is made by you, through official channels only.📞 Contact Us Through Official Channels:

DBSI Customer Centre: digibank customers: 0804 1500 327 or +6221 29852888 (from overseas). DBS Treasures & Treasures Private Client: 1500 327 or +6221 29852800 (from overseas) - This number is not used for outgoing calls.

digibank by DBS App: 24/7 Live Chat via digibot (chat icon at the top right)

WhatsApp Bisnis: Bank DBS Indonesia – 0858-1500-3270 dan Bank DBS Indonesia Finance Care – 0815-1990-4657 (one way messages).

Email: dbsicc@dbs.com

Website: https://www.dbs.id

Facebook: DBS and digibank by DBS

Instagram: @dbsbankid and @digibankid

YouTube: DBS Indonesia and digibank by DBS

TikTok: @digibankid

If you receive a suspicious message or find an unverified contact, report it immediately via the DBSI Customer Centre, 24/7 Live Chat on the digibank by DBS App, or our official emai

Beware of fake DBS numbers on unofficial sitesBeware of fake DBS numbers on unofficial sites. For your security, ensure all communication goes through DBSI’s official channels:

Call Centre 0804 1500 327/+6221 29852888 (from overseas) - This number is not used for outgoing calls.

Business WhatsApp Bank DBS Indonesia – 0858-1500-3270 and Bank DBS Indonesia Finance Care – 0815-1990-4657

DBS Website https://www.dbs.id or

the digibank by DBS app.

Mutual Fund Deactivation Information In regards with the change in Bank DBS Indonesia's internal strategy, we would like to inform you that starting from 25 June 2025, Bank DBS Indonesia will no longer distribute the following Mutual Fund products:

BNP Paribas Infrastruktur Plus

BNP Paribas Equitra Campur Harmoni

Schroder 90 Plus Equity Fund

Schroder Syariah Balanced Fund

Manulife Obligasi Negara Indonesia II Kelas A

Manulife Dana Campur II

Ashmore Digital Equity Sustainable Fund

The types of transactions that apply starting from the deactivation date are:

Transaction Type	Description
Redemption	Can be proceed if the customer has units
Switching Out	Can be proceed if the customer has units
Subscription	Can’t be proceed
Switching In	Cannot be selected as the product to be Switch in

Find various other investment product options through the digibank by DBS Application for the continuation of your investment plan. Thus we convey the information. Thank you for your attention.

Announcement Regarding BNP Paribas Spektra Mutual Fund Product PlansDear Customers of PT Bank DBS Indonesia (“DBSI”),Thank you for your support by becoming a customer of PT Bank DBS Indonesia.Referring to the notification from PT BNP Paribas Asset Management (“BNP”) dated March 13, 2025 regarding the Notification Regarding the BNP Paribas Spektra (Mutual Fund), we inform you that BNP as the Investment Manager of the Mutual Fund always monitors the growth of the Mutual Fund's managed funds and pays attention to the best interests of its customers.Currently, BNP sees that the growth of the Mutual Fund's managed funds has not been in accordance with expectations and has the potential to be less than optimal in its management. BNP will continue to review the Mutual Fund until May 6, 2025 ("Deadline"). If the Mutual Fund's are still not in accordance with expectations by the Deadline date, then BNP will carry out the process of dissolution and liquidation of the Mutual Fund.We need to inform you that during the dissolution and liquidation process, the Unit Holder Customers (“PUP”) shall not be able to perform subscription and/or redemption the Mutual Fund Participation Units that they still own, so that in accordance with applicable provisions, the remaining PUP investment in the Mutual Fund will be distributed to the PUP after the completion of the liquidation process as part of the Mutual Fund liquidation results. Furthermore, the payment of liquidation proceeds to the Mutual Fund PUPs will be made through the Custodian Bank at the latest 7 (seven) trading days since the dissolution and liquidation process has been completed with calculations carried out proportionally from the Mutual Fund Net Asset Value.This information is also available on the BNP website https://www.bnpparibas-am.com/id-id/This information is conveyed. If you need further information, please contact the 24-hour DBSI Customer Centre at 1500 327.Best regardsPT Bank DBS Indonesia

Operational activity of PT Bank DBS Indonesia (Bank DBS)Please be advised. Due to Seclusion Day (Nyepi) and Eid Al Fitr 2025, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Friday, 28 March 2025 – Monday, 7 April 2025.The branches will be re-opened on Tuesday, 8 April 2025.PT Bank DBS Indonesia wishes you Happy Seclusion Day and Eid Mubarak.

Protect Your Account from SMS Scams with Fake Point Redemption LinksBeware of Point Redemption Scams!Fraudulent point redemption schemes are becoming more common. One common tactic is for scammers to send SMS messages pretending to be from a bank, containing false information as shown in the example below.

What Are the Scammers’ Intentions?

Redirecting You to a Fake Website – Scammers trick you into entering sensitive information such as your PIN, credit/debit card number, CVV/CVC, and One-Time Password (OTP).

Gaining Control of Your Bank Account – If scammers obtain your banking details, they can access and misuse your account.

How to Protect Yourself from Scams:

Verify Before Acting – Always check banking services, offers, or promotions through the bank’s official contact, social media, or website.

Be Cautious of Unknown SMS Messages – Delete any suspicious banking-related messages immediately.

Avoid Clicking Suspicious Links – Never click on links that ask for personal data or redirect you to unofficial websites.

Keep Your Banking Information Private – Never share your PIN, OTP, or other sensitive account details.

If you receive a suspicious SMS, contact PT Bank DBS Indonesia ("Bank") through its official channels. Stay alert and stay safe!

DBSI Customer Center: 1500 327 or +6221 29852888 (from outside Indonesia) - specifically for receiving Customer calls.

digibank by DBS Application: Live Chat24/7 via digibot (chat icon on the top right).

WhatsApp Bisnis Bank DBS Indonesia: +62 85815003270 (specifically for sending one-way messages from the Bank to Customers)

Email: Using the official domain @dbs.com

Facebook: DBS And digibank by DBS

Instagram: @dbsbankid and @digibankid

YouTube: DBS Indonesia and digibank by DBS

TikTok: @digibankid

Launch of Multi Share Class for Reksa Dana Schroder USD Bond Fund
Thank you for your support by becoming a customer of PT Bank DBS Indonesia (“DBSI”). Referring to the previous notification regarding the “Launch of Multi Share Class for Reksa Dana Schroder USD Bond Fund”, it is hereby informed that effective starting March 10, 2025 DBSI will only distribute Schroder USD Bond Fund Class I. For customers who previously owned Schroder USD Bond Class A, as of March 10, 2025 the ownership unit will change to Schroder USD Bond Class I, with dividend payout feature. In regards with this change implementation, the “KSEI AKSes Facility” will record a switching transaction from Schroder USD Bond Class A to Schroder USD Bond Class I on March 10, 2025. Thus, this information is conveyed. If you need further information, please contact the 24-hour DBSI Customer Center service at 1500 327.

Information on Savings Interest Rate AdjustmentAs part of our commitment to continuously optimize our services, we would like to inform you about the adjustment to the savings interest rate, which will be effective from 1 March 2025 with the following details:

Savings and Current Account Classification	Transaction Feature & Account Reactivation Method
Active Account Status: Account that has deposit, withdrawal, or balance checking activities.	Transaction Feature ☑ Outgoing fund/debit transaction ☑ Incoming fund/credit transaction
Inactive Account Status: Account that has not had any deposit, withdrawal, or balance checking activity for more than 360 days.	Transaction Feature ⮽ Outgoing fund/debit transaction ☑ Incoming fund/credit transaction Reactivation Procedure Via the DBS digibank Application or by visiting DBS Branch Office and updating your customer data.
Dormant Account Status: Account that has not had any deposit, withdrawal, or balance checking activity for more than 1,800 days.	Transaction Feature ⮽ Outgoing fund/debit transaction ⮽ Incoming fund/credit transaction Reactivation Procedure Via the DBS digibank Application or by visiting DBS Branch Office and updating your customer data.

*)Interest rates are subject to change at any time in accordance with interest rate guaranteed by LPS and will be informed through the Bank's channel. The above interest rates is valid for Treasures and Treasures Private Client customers

Continue to grow your balance to enjoy the best interest rate.

For more information, please contact your Relationship Manager or DBSI Customer Centre at 1500327 or +6221 298 52800 (from overseas).

Launch of Multi Share Class for Reksa Dana Schroder USD Bond FundThank you for your support by becoming a customer of PT Bank DBS Indonesia (“DBSI”). Referring to the notification from PT Schroder Investment Management Indonesia ("PT SIMI") No. 22931/DT/112024 dated 14 November 2024 regarding the Provision of share class A and I in the Schroder USD Bond Fund, we inform you that PT SIMI as the Investment Manager of the Schroder USD Bond Fund ("Mutual Fund") has implemented multi share class for Mutual Funds effective since 13 January 2025 with the following details:

Share Class A (Accumulation): This is the current share class of the Mutual Fund, where investment results are reinvested to seek capital growth, and there is no dividend distribution to Unit Holders.

Share Class I (Income): This is the new share class, which will distribute dividends regularly to Unit Holders.

In connection with the implementation of the multi share class above, we inform you that effective since 10 March 2025, Bank DBS Indonesia will only distribute Schroder USD Bond Fund class I, namely Mutual Funds that have a dividend distribution feature. Thus, effective from 1 March 2025, the Participation Unit Holders of Schroder USD Bond Fund Class A at Bank DBS Indonesia automatically become Participation Unit Holders of Schroder USD Bond Fund Class I. This information is conveyed. If you need further information, please contact the 24-hour DBSI Customer Center service at 1500 327.

Implementation of VAT on Mutual Fund Transaction Fees - Effective January 1, 2025Referring to the Minister of Finance Regulation PMK No 131 Year 2024, concerning “Value-Added Tax Treatment on the Import and Delivery of Taxable Goods, the Provision of Taxable Services, as well as the Utilization of Intangible Taxable Goods and Taxable Services from Outside the Customs Area within the Customs Area,” which takes effect on January 1, 2025, the following outlines is the applicable calculation scheme for VAT on Mutual Fund Transaction Fees.

The VAT Payable calculation is as follows:

Tax Base	:	Other Value (11/12 x Mutual Fund Transaction Fee)
VAT Tariff	:	12%
VAT Calculation	:	11/12 x Mutual Fund Transaction Feex 12%

Simulation of VAT Payable calculation for Mutual Fund Transaction Fee:

Transaction Type	:	Subscription / Purchase
Transaction Amount	:	IDR 1,000,000,000
Transaction Fee	:	1%
Transaction Fee Amount	:	IDR 10,000,000
Other Value Tax Base	:	IDR 9,166,667 calculated from IDR 10,000,000 x 11/12
VAT Tariff	:	12%
VAT Calculation	:	IDR 1,100,000 calculated from IDR 9,166,667 x 12%
Effective VAT Rate	:	11% Calculated from IDR 1,100,000/IDR 10,000,000

Temporary Closing Schedule MAGOLDDear Valued Customer,Referring to the notification provided by PT Manulife Aset Manajemen Indonesia as the Fund Manager, it is hereby informed the temporary closing schedule switching transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS (“MAGOLD”) product during the period January 23, 2025 to February 3, 2025 (the “Period”).

Date	Transaction Type	NAV Date	Settlement Date
25-Sep-25	Subscription	25-Sep-25	26-Sep-25
25-Sep-25	Switching	25-Sep-25	26-Sep-25
25-Sep-25	Redemption	25-Sep-25	2-Oct-25
26 Sep-7 Oct 25	Subscription & Redemption	Transaction proceed as usual
26 Sep-7 Oct 25	Switching	Temporary Closed
8-Oct-25	All transaction	Transaction proceed as usual

This temporary closure is due to the closing of stock exchanges in China, where most of the MAGOLD securities portfolio will not be traded from January 28,2025 – February 2 ,2025, to celebrate the Lunar New Year. Subscription and redemption transactions of Participation Units MAGOLD proceed as usual during the period.This applicable for all transaction channels & all Selling Agents.This notice advertisement has been published in Website PT Manulife Aset Manajemen Indonesia https://www.manulifeim.co.id/informasi/pengumuman.htmlThank you.

New Location Branch Office MakassarDear Valued Customer,Thank you for your support and trust to PT Bank DBS Indonesia (“Bank DBS Indonesia”). We always strive to continuously improve the quality of our services, one of which is by taking strategic steps to ensure maximum business growth opportunities.We are pleased to inform you that effective 3 February 2025, all transactional activities at Bank DBS Indonesia Makassar branch office, located at Jl. Haji Bau No.36, will be moved to the new branch location at:Bank DBS Indonesia Kantor Cabang Makassar
Jl. DR Ratulangi No. 2
Makassar- Sulawesi Selatan For your convenience during the transition period, the current Bank DBS Indonesia Makassar branch Office will continue to serve your banking needs until 31 January 2025 from 08:30 – 15:30 WITA. On the next working day, we welcome you to experience our banking services at the new location of Bank DBS Indonesia Makassar branch office.Should you require further assistance, please contact your Treasures Relationship Manager or DBSI Customer Centre 1500 327. For corporate clients, please contact DBSI BusinessCare at 1500 380.Thank you and we look forward to serving you better in the greatly improved office surroundings. Yours faithfully,PT Bank DBS Indonesia

Changes in VAT for Mutual Fund Transaction Fees – Effective January 1^st 2025 Dear Valued Customer, Referring to Law No. 7 of 2021 concerning Harmonization of Tax Regulations, it is stated in Chapter IV- Value Added Tax - article 7 paragraph (1) Value Added Tax Rates are:

11% (eleven percent) which will take effect on 1 April 2022;

12% (twelve percent) which will take effect no later than 1 January 2025

Based on this regulation, effective 1 January 2025, the VAT upon Mutual Fund transaction fees debited that from the Customer accounts will be adjusted from 11% to 12%.The arrangement for implementation of 12% VAT for Mutual Fund transactions is as follows:

For transaction through Branch:

Transaction Type	Transaction Date	Transaction Fee Debit Date	VAT
Subscription	30 December 2024	30 December 2024	11%
Switching	30 December 2024	31 December 2024	11%
Redemption	30 December 2024	31 December 2024	11%

For transaction through digibank by DBS Application:

Transaction Type	Transaction Date	Input Time	Transaction Fee Debit Date	VAT
Subscription	30 December 2024	Before 13.00 WIB	30 Desember 2024	11%
Subscription	30 December 2024	After 13.00 WIB	2 Januari 2025	12%
Switching	29 December 2024	After 13.00 WIB	31 December 2024	11%
	30 December 2024	Before 13.00 WIB	31 December 2024	11%
	30 December 2024	After 13.00 WIB	3 Januari 2025	12%

Please note the following things regarding VAT of Mutual Fund transactions through digibank by DBS Application:

For Redemption transaction there is no transaction fee charged to the Customer’s account, therefore no impact caused by this VAT change.

Payment Services in Bayar & Beli - Orange TV, Paypro, XL TunaiDear Valued Customers,Please be informed that the bill payment services for Orange TV, Paypro, and XL Tunai are no longer accessible via Bayar & Beli feature.Rest assured, you can still use Bayar & Beli feature for other bill payment transactions.Always update the digibank by DBS App to the latest version on the App Store and PlayStore to enjoy latest features & services.

Addition Types of Instruction that can be Carried out using Instructions Authorization via Telephone PT Bank DBS Indonesia Effective October 03, 2024, the following additional of instruction types that can be carried out using Instructions Authorization via Telephone PT Bank DBS Indonesia:

Request of Withholding Tax Receipt

Request of Monthly Statement

Request of Fixed Deposit Advice

Request of Bond Trade Confirmation

The changes are listed in:

Terms and Conditions for Opening and Managing Individual Account Instruction Authorization via Telephone, Part D Article 1 Point 1.2 Letter K

"Request of of Withholding Tax receipt, and/or Monthly Statement, and/or Fixed Deposit Advice, and/or Bond Trade Confirmation"

Instruction Authorization via telephone, Point 1.2 Letter K

"Request of Withholding Tax receipt, and/or Monthly Statement, and/or Fixed Deposit Advice, and/or Bond Trade Confirmation"

Click here to view the Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia.

Temporary Closing Switching of Manulife Syariah Golden AsiaDear Valued Customer,Referring to the notification provided by PT Manulife Aset Manajemen Indonesia as the Fund Manager, it is hereby informed the temporary closing schedule switching transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS (“MAGOLD”) product during the period 25 September – 2 October 2024 , (the “Period”).

Date	Transaction Type	NAV Date	Settlement Date
25-Sep-25	Subscription	25-Sep-25	26-Sep-25
25-Sep-25	Switching	25-Sep-25	26-Sep-25
25-Sep-25	Redemption	25-Sep-25	2-Oct-25
26 Sep-7 Oct 25	Subscription & Redemption	Transaction proceed as usual
26 Sep-7 Oct 25	Switching	Temporary Closed
8-Oct-25	All transaction	Transaction proceed as usual

This temporary closure is due to the closing of stock exchanges in China, where most of the MAGOLD securities portfolio will not be traded from , to celebrate the National Day of the People's Republic of China. Subscription and redemption transactions of Participation Units MAGOLD proceed as usual during the .This implementation applies for all transaction channels & all Selling Agents.This notice advertisement has been published in PT Manulife Aset Manajemen Indonesia Website Thank you.

Medan Diponegoro branch office will be moved to the new branchThank you for your support and trust that you have placed in PT Bank DBS Indonesia (“Bank DBS Indonesia”). We always strive to continuously improve the quality of our services, one of which is by taking strategic steps to ensure maximum business growth opportunities.We are pleased to inform you that effective 28 October 2024, all transactional activities at Bank DBS Indonesia Medan Diponegoro Sub-branch office, located at West Plaza Building Jl. Diponegoro No.16, will be moved to the new branch location at:Bank DBS Indonesia Kantor Cabang Pembantu Medan Diponegoro
Jl. Diponegoro No. 14 D-E
Medan - Sumatera UtaraFor your convenience during the transition period, the current Bank DBS Indonesia Medan Diponegoro Sub-branch Office will continue to serve your banking needs until 25 October 2024 from 08:30 – 15:30 WIB. On the next working day, we welcome you to experience our banking services at the new location of Bank DBS Indonesia Medan Diponegoro Sub-branch office.Should you require further assistance, please contact your Corporate or Treasures Relationship Manager or 24-hour DBSI Customer Centre at 1500 380 for Corporate and at 1500 327 for TreasuresThank you and we look forward to serving you better in the greatly improved office surroundings. Yours faithfully,
PT Bank DBS Indonesia Asia’s Safest, Asia’s Best
Best Bank in ASIA Pacific 2018, Global Finance
Safest Bank, 2009-2017, Global Finance
World’s Best Digital Bank 2016, Euromoney

Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia
Amendment of terms and conditions on the document of Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia which will be effective as of 1 July 2024 are as follow:

Changes regarding definition of Bank on Section A Article 1.

Changes on the terms and conditions regarding General Conditions Account Opening on Section B Article 1 Point a.

Changes on the terms and conditions regarding Foreign Exchange Transactions on Section B Article 9.2 Point f.

Changes on the terms and conditions regarding Foreign Exchange Transactions on Section B Article 9.4 Point b and c.

Changes on the terms and conditions regarding Customer Center on Section D Article 2 Point b and c.

Click here to view the Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia.

Spending Tracker feature on digibank by DBS Application will be deactivatedEffective on 27 July 2024, Spending Tracker feature will be deactivated from digibank by DBS Application. However, you can still enjoy other digibank by DBS Application features for your banking and wealth activities.

The operational activity of PT Bank DBS Indonesia due to the Ascension Day and Mass LeaveDear Valued Customers,Please be advised. Due to the Ascension Day and Mass Leave, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Thursday - Friday (9 -10 May 2024).The branches will be re-opened on Monday,13 May 2024. PT Bank DBS Indonesia wishes you a Happy Ascension Day.Thank you

Some Payment Service in Bayar & Beli Feature will be DeactivatedPlease be informed that the bill payment services for First Media, Telkom PSTN/Indihome, PAM, PDAM, and PALYA are no longer accessible. Additionally, starting June 8, 2024 the M-TIX XXI top-up service will also be inaccessible. However, you can still use the Bayar & Beli feature for other necessities. Download the latest digibank by DBS apps to enjoy latest features & services.

Dear Valued Customers, Please be advised. Due to Eid Al Fitr 2024, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Monday, 8th April – Monday,15th April 2024.The branches will be re-opened on Tuesday, 16th April 2024. PT Bank DBS Indonesia wishes you a Happy Eid Mubarak. Thank you

Operational activity of PT Bank DBS Indonesia in General Election DayDear Valued Customers,Please be advised. Due to General Election Day, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Wednesday,14 February 2024. The branches will be re-opened on Thursday, 15 February 2024. PT Bank DBS Indonesia wishes you a Happy General Election Day

Change in Transaction Cut-Off Time (COT) at Bank DBS Indonesia Branch Office

Type of Transaction

Cut-off Time effective on

(local time)

Cheque clearing

10 a.m
Note:
For DBS BSD Branch, the cut-off time: 9.30 a.m

Fund transfer through Real Time Gross Settlement

1 p.m

Fund transfer through National Clearing System

12.30 p.m

Outward Telegraphic Transfer

1 p.m

Tax Payment

1 p.m

For your convenience, we provide digibank by DBS application for you to conduct transaction anytime and anywhere, and Instruction Authorization via Telephone or Instruction Authorization via Email facility.
For more information, please contact your Relationship Manager or DBSI Customer Centre at 1500 327 or +6221 298 52800 (from overseas).

Announcement of Green Savings Account Interest Rate AdjustmentEffective 1 December 2023, there will be an adjustment to the Green Savings Account interest rates.Here are the Green Savings Account interest rates that will apply:

Savings and Current Account Classification	Transaction Feature & Account Reactivation Method
Active Account Status: Account that has deposit, withdrawal, or balance checking activities.	Transaction Feature ☑ Outgoing fund/debit transaction ☑ Incoming fund/credit transaction
Inactive Account Status: Account that has not had any deposit, withdrawal, or balance checking activity for more than 360 days.	Transaction Feature ⮽ Outgoing fund/debit transaction ☑ Incoming fund/credit transaction Reactivation Procedure Via the DBS digibank Application or by visiting DBS Branch Office and updating your customer data.
Dormant Account Status: Account that has not had any deposit, withdrawal, or balance checking activity for more than 1,800 days.	Transaction Feature ⮽ Outgoing fund/debit transaction ⮽ Incoming fund/credit transaction Reactivation Procedure Via the DBS digibank Application or by visiting DBS Branch Office and updating your customer data.

System Maintenance InformationWe are constantly upgrading our systems to bring you a more pleasant banking experience. During the mentioned period of scheduled maintenance, some of the services will not be available:DBS - ASPIRE :

Date & Time

Service Under Maintenance

26 November 2023
02:00am to 04:00am

Access to ASPIRE Website will be unavailable.
https://www.dbs.id/ASPIRE

Latest updates on the Bayar & Beli feature in the digibank by DBS applicationFulfill all your essentials with the Bayar & Beli feature on the digibank by DBS Application.Effective November 21, 2023, the Mandiri e-Money Card Top Up service through the Bayar & Beli feature on the digibank by DBS Application will be deactivated.Please make sure you always update the digibank by DBS application to the latest version on the AppStore and PlayStore to enjoy the latest features and services.

System Maintenance InformationTo upgrade our banking services, the digibank by DBS Application will undergo system maintenance at Saturday, 7 October 2023 at 00:00 – 21:00 WIB and some features will be temporarily unavailable. No need to worry as you can still carry out unaffected banking activities.Below are the unavailable features:

digibank registration using Debit/Credit Card

Debit Card request/replacement

Data update: handphone number, email, address

Investment risk profile update

We apologise for the inconveniences. If you need any assistance, please contact your Relationship Manager.

Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS IndonesiaAmendment in The Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia ("Terms and Conditions") to be effective as of 25 September 2023 are as follow:

Changes in the definition regarding Green Savings Account on Section A Article.

Addition of terms and conditions regarding Instruction Authorization via Telephone on Section D Article 1.2 Paragraph 1.1 Point (i), (j), (k) as follow:

(i) Overbooking to the insurance company's account at the Bank, for insurance policy payment in the same name as the account holder.
(j) Request of Gift Redemption.
(k) Request of Withholding Tax receipt.

Click here to view the Terms and Conditions.If you have objection regarding the changes on the terms and condition regarding Instruction Authorization via Telephone, you can request to revoke the Instruction Authorization via Telephone facility at the nearest Bank's Office Branch.For more information, please contact your Relationship Manager or DBSI Customer Centre at 1500 327 or +6221 298 52800 (from overseas).

Temporary closing schedule switching transactions "MAGOLD"Dear Valued Customer,Referring to the notification provided by PT Manulife Aset Manajemen Indonesia as the Fund Manager, it is hereby informed the temporary closing schedule switching transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS (“MAGOLD”) product during the period September 27, 2023 to October 6, 2023 (the “Period”).

Date	Transaction Type	NAV Date	Settlement Date
25-Sep-25	Subscription	25-Sep-25	26-Sep-25
25-Sep-25	Switching	25-Sep-25	26-Sep-25
25-Sep-25	Redemption	25-Sep-25	2-Oct-25
26 Sep-7 Oct 25	Subscription & Redemption	Transaction proceed as usual
26 Sep-7 Oct 25	Switching	Temporary Closed
8-Oct-25	All transaction	Transaction proceed as usual

This temporary closure is due to the closing of stock exchanges in China, where most of the MAGOLD securities portfolio will not be traded from September 29 until October 6, 2023 to celebrate the National Day of the People's Republic of China. Subscription and redemption transactions of Participation Units MAGOLD proceed as usual during the period.This applicable for all transaction channels & all Selling Agents.Herewith we attached a notice advertisement that has been published by PT Manulife Aset Manajemen Indonesia through Investor Daily as a reference.Thank you.

Comprehensive & seamless financial access on digibank ApplicationEffective on August, 12 2023, Internet banking service through desktop/web browsers has been deactivated.Let's use digibank by DBS Application for an ease investing on capturing the market momentum, preparing protection needs and all your banking transactions, anytime anywhere so you can be confidently achieving your financial goals.Download or update the digibank by DBS Application on the App Store and Play Store to continue your transactions and investments here

Operational Activity of PT Bank DBS Indonesia During Eid AdhaPlease be advised. Due to Eid Adha, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Wednesday - Friday (28^th -30^th June 2023).The branches will be re-opened on Monday, 3rd July 2023.

Announcement for Pancasila and Vesak Day 2023Dear Valued Customers,Please be advised. Due to Pancasila Day and Vesak Day, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Thursday - Friday (1st - 2nd June 2023).The branches will be re-opened on Monday, 5th June 2023.

Announcement for Savings Account Interest Rates AdjustmentWe hereby inform you that effective on 10 May 2023 there will be some adjustments on the interest rates for Tabungan Maxi Account (IDR).The following Tabungan Maxi Account interest rates will apply:

Product

Balance

Current Interest Rate

New Interest Rate

Tabungan Maxi

<250 million

3% p.a

250 - <500 million

>=500 million

Operational Activity of PT Bank DBS Indonesia During Eid MubarakPlease be advised. Due to Eid Al Fitr 2023, the operational activity of PT Bank DBS Indonesia (Bank DBS) will be closed on Wednesday – Tuesday (19^th -25^th April 2023). The branches will be re-opened on Wednesday, 26^th April 2023.PT Bank DBS Indonesia wishes you a Happy Eid Mubarak.

New Menu and Function in CCTR IVRIn order to improve the quality of DBSI Treasures Hotline services, starting 13 January 2023, there is a change in steps in contacting DBSI Treasures Hotline.Customer may contact DBSI Treasures Hotline at 1500327 or +622129852800 (outside Indonesia). After language selection, kindly select menu:

For Treasures and TPC, press 1

If customer presses option 1 then customer will be required to enter the information on the number of savings account/eKTP/Customer will then be connected to the DBSI Treasures Hotline Customer Service Officer.

Dormant Fee NotificationDear Valued Customer, Starting 15 November 2022, the Customers of DBS Treasures will be charged a maximum fee of IDR50,000 per month if all Current Accounts or Savings Accounts are dormant.A dormant account is a Current or Savings Account which status changes from active to dormant due to the lack of debit/credit transactions conducted by the Customer for 12 (twelve) consecutive months. All debit transactions cannot be performed, while some credit transactions are limited to protect dormant accounts. The Customer can request for activation to continue performing transactions using the Account.How to Activate Dormant Account Activate your Account through one of the three easy ways below:

digibank by DBS Application
Limited to partial activation and only Savings Accounts are shown on the app.

Branch Office
Fill the activation form or perform any transaction.

Email Instruction
The Customers with Email Instruction facility can send an instruction via email to activate their Account. Limited to partial activation.

RDS Manulife Saham Syariah Golden Asia Dolar AS

RDS Manulife Saham Syariah Golden Asia Dolar ASReferring to the notification provided by PT Manulife Aset Manajemen Indonesia as the Fund Manager, it is hereby informed the temporary closing schedule transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS ("MAGOLD") product is as follows:

Date	Transaction Type	NAV Date	Settlement Date
28 Sep 2022	Purchase	28 Sep 2022	28 Sep 2022
28 Sep 2022	Switching	28 Sep 2022	28 Sep 2022
28 Sep 2022	Redemption	28 Sep 2022	14 Oktober 2022
29 Sep - 9 Oct 2022	All Transaction type	Temporary Closed
10 Oct 2022	All Transaction type	Transaction proceeds as usual

This temporary closure is due to the closing of stock exchanges in China, where most of the MAGOLD securities portfolio will not be traded from October 1 until October 9, 2022 to celebrate the National Day of the People's Republic of China thus that MAGOLD portfolios cannot accept Redemption, Switching, nor Purchase (subscription) during the period.This applicable for transaction channel & all Selling Agents.Herewith we attached a notice advertisement that has been published by PT Manulife Aset Manajemen Indonesia as a reference.

Announcement for Savings Account Interest Rates Adjustment

Announcement for Savings Account Interest Rates AdjustmentWe hereby inform you that effective on 1 February 2023 there will be some adjustments on the interest rates for Regular Savings Account (IDR, AUD, SGD), Green Savings Account and Rekening Valas. Increase your balance to gain the maximum interest.The following Savings Account interest rates will apply:

Tax Base	:	Other Value (11/12 x Mutual Fund Transaction Fee)
VAT Tariff	:	12%
VAT Calculation	:	11/12 x Mutual Fund Transaction Feex 12%

Fund Transfer through BI-FAST in digibank by DBS Application

Fund Transfer through BI-FAST in digibank by DBS ApplicationEffective on August 2022, there is new method of local interbank fund transfer in digibank Application by DBS which is through BI-FAST.The benefits of using BI-FAST:

Real-time online Fund Transfer.

Free of charge.

Transaction limit up to IDR100.000.000 (one hundred million Rupiah) per transaction and IDR250.000.000 (two hundred fifty million Rupiah) per day.

Steps to transfer using BI-FAST in digibank by DBS Application:

Select "Transfer Rupiah" at home page.

Input Rupiah transfer recipient detail. BI-FAST transfer method will be automatically linked if the destination bank is registered as BI-FAST participant.

Click "Lanjut", then enter password

Transfer transaction confirmation

DBS Indonesia Branches Operational Hours Resume Normally

DBS Indonesia Branches Operational Hours Resume NormallyWe would like to inform you that effective on 2 June 2022, Bank DBS Indonesia branches operational hours will resume normally from 8.30 AM - 3.30 PM (local time) with cut off time for following transaction:

Type of transaction

Cut-off time (WIB)

Cheque clearing

10 a.m

Note:

For DBS BSD Branch, the cut-off time: 9.30 a.m

Fund transfer through National Clearing System

12 p.m

Fund transfer through Real Time Gross System

12 p.m

Outward Telegraphic Transfer

12 p.m

Tax Payment

1 p.m

For your convenience, we provide digibank by DBS application for you to conduct transaction anytime and anywhere, and Instruction Authorization via Telephone or Instruction Authorization via Email facility.For more information, please contact Your Relationship Manager or DBSI Customer Centre at 1500 327 or +6221 298 52800 (from overseas).

DBS Indonesia Branches Operational Hours

Type of transaction

Cut-off time (local time)

Cheque clearing

10 a.m

Note:

For DBS BSD Branch, the cut-off time: 9.30 a.m

Fund transfer through National Clearing System

12 p.m

Fund transfer through Real Time Gross System

12 p.m

Outward Telegraphic Transfer

12 p.m

Tax Payment

1 p.m

Information on the Implementation of Stamp Duty Mutual Fund

Information on the Implementation of Stamp Duty on Mutual Fund Transaction Confirmation Documents - Effective 1 August 2022Dear Valued Customer,Refers to the following regulation:

Law No. 10 of 2020 concerning Stamp Duty ("Stamp Duty Law");

Government Regulation ("PP") No. 3 of 2022 concerning the Provision of Exemption and Imposition of Stamp Duty Facilities;

Regulation of the Minister of Finance ("PMK") Numbers 133 and 134 of 2021 concerning Stamp Duty; and

Letter from the Directorate General of Taxes Number S-143/PBM/PJ/2022 dated February 22, 2022 regarding Letter of Determination of KSEI as Stamp Duty Collector since March 1, 2022

In which it is stated that there is a stamp duty fee on the confirmation document of the Mutual Fund transaction. The stamp duty fee applies to the total accumulated value of Mutual Fund transactions above IDR10 million per day at all Mutual Fund Selling Agents (APERD).The Customer as the Participation Unit Holder ("PUP")/Investor to bear the stamp duty fee for this Mutual Fund transaction confirmation document. The application of stamp duty fees to the Customer will be implemented for Mutual Fund transactions starting on August 1, 2022 and the debiting of stamp duty fees will be carried out starting September 2022.The calculation of the stamp duty fee is calculated proportionally by KSEI as the collector appointed by the Directorate General of Taxes based on the number of consolidated transactions of all APERDs carried out by the Mutual Fund PUP on a daily basis, a maximum of IDR10,000 per day.The types of transactions subject to stamp duty include Subscription, Redemption, Switch-in, Switch-out, Reinvestment, Liquidation, Unit Adjustment and/or other types of transactions as determined by the Financial Services Authority (OJK).Simulation of the calculation of stamp duty charges:

Tanggal
Transaksi

Tipe
Transaksi

SID
No.

Nama

Kode
Produk

Kode
APERD

Nominal Transaksi (Rp)

Biaya Bea
Meterai (Rp)

20220807

Subscription

IDD1

Andi

RD EQ

Bank ABC

20,000,000

2,500

20220807

Redemption

IDD1

Andi

RD MM

Fintech ABC

30,000,000

2,500

20220807

Subscription

IDD1

Andi

RD MM

Bank 123

30,000,000

2,500

20220807

Redemption

IDD1

Andi

RD MM

DBS Indonesia

90,000,000

2,500

20220807

Subscription

IDD2

Dwi

RD FI

DBS Indonesia

50,000,000

10,000

20220807

Subscription

IDD3

Joko

RD EQ

Fintech ZYZ

5,000,000

3,333

20220807

Switch-In

IDD3

Joko

RD FI

DBS Indonesia

6,000,000

3,333

20220807

Switch-Out

IDD3

Joko

RD MM

DBS Indonesia

6,000,000

3,333

Based on the simulation example above, the stamp duty fees that will be debited by Bank DBS Indonesia in the following month (September 2022):

Customer Andi: IDR2,500,-

Customer Dwi: IDR10,000,-

Customer Joko: IDR6,666,-

Fees will be debited from the Customer’s savings account at Bank DBS Indonesia which is linked to the Investment Account with the debit description "Biaya Meterai Konfirmasi Transaksi Reksa Dana MMM-YY"

Information on the Implementation of Stamp Duty on Bond

Information on the Implementation of Stamp Duty on Bond Transaction Confirmation Documents - Effective 1 August 2022Dear Valued Customer,Refers to the following regulation:In which it is stated that there is a stamp duty fee on the confirmation document of the Bond transaction of the value Bond transactions above IDR 10 million.The Customer as the Investor to bear the stamp duty fee for this Bond transaction confirmation document. The application of stamp duty fees to the Customer will be implemented for Bond transactions starting on August 1, 2022 and the debiting of stamp duty fees will be carried out starting September 2022.The types of transactions subject to stamp duty include Subscription and Redemption and/or other types of transactions at the Bond trading confirmation. Simulation of the calculation of stamp duty charges:

Tanggal
Transaksi

Tipe
Transaksi

SID
No.

Nama

Kode
Produk

Nominal Transaksi (Rp)

Biaya Bea
Meterai (Rp)

7 Agustus’22

Beli

IDD1

Andi

FR089

7,000,000

10,000

7 Agustus’22

Jual

IDD1

Andi

FR065

5,000,000

7 Agustus’22

Beli

IDD2

Roy

FR089

7,000,000

20 Agustus’22

Beli

IDD3

Alex

SR017

20,000,000

Based on the simulation example above, the stamp duty fees that will be debited by Bank DBS Indonesia in the following month (September 2022):

Customer ino. Andi: Rp10.000,-
Total amount Bond transaction in secondary market > Rp 10juta, that Customer will be charged stamp duty by Bank DBS Indonesia = Rp10.000,-

Customer ino. Roy:
Total amount Bond transaction in secondary market < Rp 10juta, that Customer shall not be charged stamp duty cost.

Customer ino. Alex:
The Customer shall not be charged stamp duty because the Customer buys SR017 in IPO (not in secondary market).

Terms and Conditions for Opening and Managing Account

Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS IndonesiaNew and Amendment of Terms and Conditions on the document of Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia which will be effective as of 5-July-2022 are as follow:

Add definition regarding with Green Savings Account on Section A Article 1.

Add definition regarding with Multi Currency Account on Section A Article 1.

Add definition regarding Structured Product on Section A Article 1.

Add terms and conditions regarding Green Savings Account on Section C Article 4.

Add terms and conditions regarding Multi Currency Account on Section C Article 3.

Add terms and conditions regarding Products of Other Parties on Section C Article 7a.

Add terms and conditions regarding Structured Product on Section C Article 8.

Changes on the terms and conditions regarding Instruction Authorization via Telephone on Section D Article 1.2.

Changes on the terms and conditions regarding Instruction Authorization via Email on Section D Article 1.3.

Add terms and conditions regarding General Terms Regarding ATM and DBS Debit Card on Section D Article 5a.

Click here to view the Terms and Conditions for Opening and Managing Individual Accounts of PT Bank DBS Indonesia.

Notification of Bank DBS Indonesia Branches Operational

Notification of Bank DBS Indonesia Branches Operational and Monthly Statement DeliveryWe would like to inform You that due to Eid Mubarak 1443 H public holiday and mass leave in Indonesia, Bank DBS Indonesia branches will be closed from 29 April - 6 May 2022 and will be operated on 9 May 2022 from 9 a.m. to 2.30 p.m. We would also like to inform You that the process of delivering Your monthly combined statement April 2022 will experience delays.E-Statement April 2022 will be sent to the Customer’s registered email address on the 3^rd (third) week of May 2022 (applicable for the Customer who has registered e-Statement facility). The Customer could access e-Statement fast, easy and safe through digibank by DBS Application.Please ensure that Your registered email address and handphone number in Bank DBS Indonesia is updated to perform the registration of digibank by DBS Application. For email address and handphone number registration and/or updates, please contact Your Relationship Manager.For hardcopy Monthly Combined Statement will takes delivery times as follow:

Jabodetabek: 5 working days

Non - Jabodetabek: 8 working days

Should you have further question, please contact DBSI Customer Centre at 1500-327 or +6221-298-52800 (from overseas).

Changes in VAT for Mutual Fund Transaction Fees

Changes in VAT for Mutual Fund Transaction and Safe Deposit Box Rental Fees - Effective April 1st 2022Dear Valued Customer, Referring to Law No. 7 of 2021 concerning Harmonization of Tax Regulations, it is stated in Chapter IV- Value Added Tax - article 7 paragraph (1) Value Added Tax Rates are:

11% (eleven percent) which will take effect on 1 April 2022;

12% (twelve percent) which will take effect no later than 1 January 2025

Based on this regulation, effective 1 April 2022, Mutual Fund transaction fees debited from customer accounts and Safe Deposit Box Rental Fees will be subject to 11% VAT.The arrangement for implementation of 11% Value Added Tax ("VAT") is as follows:

For transaction through Branch:

Transaction Type	Transaction Date	Transaction Fee Debit Date	VAT
Subscription	31-Mar-22	31-Mar-22	10%
Switching	31-Mar-22	01-Apr-22	11%
Redemption	31-Mar-22	01-Apr-22	11%

For transaction through digibank by DBS Application:

Transaction Type	Transaction Date	Input Time	Transaction Fee Debit Date	VAT
Subscription	31-Mar-22	Before 13.00 WIB	31-Mar-22	10%
Subscription	31-Mar-22	After 13.00 WIB	01-Apr-22	11%
Switching	30-Mar-22	After 13.00 WIB	01-Apr-22	11%
	31-Mar-22	Before 13.00 WIB	01-Apr-22	11%
	31-Mar-22	After 13.00 WIB	01-Apr-22	11%

Please note the following things regarding VAT of Mutual Fund transactions through digibank by DBS Application:

For Switching transactions inputted on 30 March 2022 after 13.00 WIB and inputted on 31 March 2022 before 13.00 WIB, the "Verification" page will still display the VAT percentage of 10%. However, when Switching transaction fee debited on April 1st the VAT applied will be 11%.

For Redemption transaction there is no transaction fee charged to customer’s account, therefore no impact caused by this VAT change.

Safe Deposit Box ("SDB") Rental FeesDBS Indonesia Bank will adjust debited VAT from 10% to 11% for Safe Deposit Box rental fees with following arrangement for implementation of 11% Value Added Tax:

Size

Rental Fee (per year)

Rental payment period (VAT imposition)

March 2022

01 April 2022 onwards

(%)

IDR

Total

(%)

IDR

Total

SMALL

IDR500,000

10%

50.000

550.000

11%

55.000

555.000

MEDIUM

IDR750,000

10%

75.000

825.000

11%

82.500

832.500

LARGE

IDR1,000,000

10%

100.000

1.100.000

11%

110.000

1.110.000

GRANDE

IDR1,500,000

10%

150.000

1.650.000

11%

165.000

1.665.000

In relation to SDB rental extension payment period that are due before month April 2022 but the payment is performed on and after month April 2022, then will follow the new VAT provision which is 11%.SDB Rental Fee Criteria

Size

Rental Fee (per year)

Total Relationship Balance

IDR500 mio - < IDR 1 bio

IDR 1 bio - < IDR 5 bio

> IDR 5 bio

SMALL

IDR500,000

25% discount, 1 Unit

Free of charge, 1 Unit

Free of charge

1 Unit

MEDIUM

IDR750,000

LARGE

IDR1,000,000

GRANDE

IDR1,500,000

No discount, 1 Unit

25% discount, 1 Unit

Rental Fees are subject to 11% VAT.

Key guarantee fee of IDR900,000 borne by customer upfront when opening a Safe Deposit Box.

Request for Safe Deposit Box rental based on availability in particular branches.

Safe Deposit Box only apply for Treasures customer whose Total Relationship Balance ≥ IDR 500 mio and maximum 1 Safe Deposit Box per customer.

Temporary Closing Schedule Transactions of Reksa Dana

Temporary Closing Schedule Transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar Asia AS ("MAGOLD")Dear Valued Customer,Referring to the notification provided by PT Manulife Aset Manajemen Indonesia as the Fund Manager, it is hereby informed the temporary closing schedule transactions of Reksa Dana Syariah Manulife Saham Syariah Golden Asia Dolar AS ("MAGOLD") product.

Date

Transaction Type

Transaction NAV Date

Settlement Date

25-Jan-22

Purchase

25-Jan-22

26-Jan-22

25-Jan-22

Switching

25-Jan-22

26-Jan-22

25-Jan-22

Resale

25-Jan-22

02-Feb-22

26 Jan – 4 Feb 2022

All transaction

Unable to transact

07-Feb-22

All transaction

Transactions are processed normally

This temporary closure is due to the closing of stock exchanges in China, where most of the MAGOLD securities portfolio will not be traded from January 26 until February 4, 2022 to celebrate the 2022 Chinese New Year. During that period MAGOLD portfolios cannot accept Redemption, Switching, nor Purchase (subscription).Transaction can be performed on 7 February 2022.This applicable for transaction channel & all Selling agents.Herewith we attached a notice advertisement that has been published by PT Manulife Aset Manajemen Indonesia as a reference.Thank you.

Tax Witholding Slip and Bank Reference Letter

Tax Witholding Slip and Bank Reference Letter through DBSI Customer CentreDear valued Customer,Thank you for choosing PT Bank DBS Indonesia ("Bank") as your trusted wealth partner, so you can always live with an edge to optimise your wealth confidently.We would like to inform you that effective on 18 February 2022, DBS Treasures Customer can request Tax Witholding Slip and Bank Reference Letter through DBSI Customer Centre at 1500327 or +6221 298 52800 (from outside Indonesia).Tax Witholding Slip request covers saving account, current account, fixed deposit and bonds.Tax Witholding Slip and Bank Reference Letter will be sent through email to the Customer’s registered email address. For hardcopy Bank Reference Letter request, DBS Treasures Customer with total relationship balance below IDR1,000,000,000.- (one billion Rupiah) will be charged with fee of IDR50,000.- (fifty thousand Rupiah).

Terms and Conditions Update for Cheque/Bilyet Giro Book

Terms and Conditions Update for Cheque/Bilyet Giro Book Request and ActivationHereby, we would like to inform regarding the Terms and Conditions Update for Cheque/Bilyet Giro Book Request and Activation with detail as follow:

The Customer agrees that charges related to the order of Cheque and/or Bilyet Giro book will be debited from the Customer's Account.

Referring to Bank Indonesia Circular Letter No. 9/13/DASP dated 19 June 2007 as lastly amended with Bank Indonesia Circular Letter No. 18/39/DPSP dated 28 December 2016 regarding National Blacklist Towing Cheque and/or Giro Blank and its attachment:

The Customer agrees that the Customer will be penalized by freezing the usage rights of Cheque and/or Bilyet Giro, and/or the identity shall be listed in National Blacklist (DHN) in the event of withdrawal of a blank Cheque and/or Bilyet Giro which fulfill the criteria of DHN as per prevailing regulation or due to the identity has been listed in DHN by another bank.
The Customer agrees that the Customer is obliged to report the fulfillment of settlement obligation regarding the blank Cheque and/or Bilyet Giro withdrawal in which the fulfillment must be done within 7 (seven) Business Days after the rejection date.

The Customer is required to return the Activation Sheet contained in the Cheque and/or Bilyet Giro book to the Bank before the said Cheque and/or Bilyet Giro is used.

In the condition where the Cheque and/or Bilyet Giro has been used/drawn/cleared without prior activation, the Bank’s Staff will perform callback to the Customer to activate the Cheque/Bilyet Giro book. If the Customer is unable to be contacted, the Bank has the right to activate the Cheque and/or Bilyet Giro book.

After the Cheque and/or Bilyet Giro book is received by the Customer directly or through of Power of Attorney to the appointed party, the Customer is fully responsible for the use of the said Cheque/Bilyet Giro book.

Effective December 15^th, 2021, orders for Cheque and/or Bilyet Giro book must use the Cheque/Giro book Request Form which You can get here. The order sheet in the Cheque and/or Bilyet Giro book is no longer valid.For more information, please contact your Relationship Manager or DBSI Customer Centre at 1500 327 or +6221 298 52800 (from overseas).

Change of DBS Debit card cash withdrawal limit

Change of DBS Debit card cash withdrawal limitIn accordance with Undang-Undang No. 23 of 1999 and Bank Indonesia Regulation No. 22/7/PBI/2020 and Bank Indonesia Circular No. 17/51/DKSP, the temporary adjustment of the maximum nominal value of funds for cash withdrawals through ATM machines is as follows:

Increase the maximum nominal value of funds for withdrawals through ATM machines from IDR15,000,000 (fifteen million Rupiah) to IDR20,000,000 (twenty million Rupiah) per account within 1 (one) day for ATMs with using chip technology.

Adjustment of the maximum nominal value of funds for cash withdrawals through ATM machines is valid from temporarily 12 July 2021 to 30 September 2021.

Transaction Type		Debit Card DBS GPN	Debit Card DBS Visa Platinum	Debit Card DBS Treasures Visa Platinum	Debit Card Treasures Private Client VISA Platinum
Transaction Type		Per Day	Per Day	Per Day	Per Day
Cash Withdrawals at ATMs with chip technology	Maximum per account*	IDR20,000,000	IDR20,000,000	IDR20,000,000	IDR20,000,000
Cash Withdrawals at ATMs with chip technology	Maximum per card**	IDR20,000,000	IDR25,000,000	IDR50,000,000	IDR100,000,000

* The maximum limit for cash withdrawals and interbank transfers refers to the applicable Bank Indonesia regulations. If one account is connected to more than one DBS Debit Card, the maximum transaction limit will be accumulated.
** Only valid if the Customer has more than one account connected to the DBS Debit Card.

As for cash withdrawals through ATM machines that use magnetic stripe technology still cannot be done to protect Bank DBS Indonesia Customers from data theft (skimming) by irresponsible parties.Please see below locations of DBS Indonesia ATM:

ATM	Location
ATM DBS Tower	DBS Bank Tower, Lobby Floor Ciputra World 1 Jl. Prof. Dr. Satrio Kav. 3 - 5 Jakarta 12940
	Tel: +62-21-2988-5000
	Fax: +62-21-2988-5498
ATM DBSI Ir. Juanda	Jl. Ir. H Juanda No.23-24 Kebon Kelapa, Gambir Jakarta Pusat 10120
	10120
	Tel: +62-21-30432400
	Fax: +62-21-3820865
ATM DBSI Kelapa Gading	Ruko Kelapa Gading Komplek Inkopal Blok C No. 1 - 3 Jl. Boulevard Barat, Kelapa Gading Jakarta Utara
	14240
	Tel: +62-021–30482800
	Fax: +62-21-2453 5789
ATM DBSI Kemang Raya	Jl Kemang Raya no 2, Jakarta Selatan
	12730
	Tel: +62-21-30051750 / 3005179
	Fax: +62-21-6231 1301
ATM DBSi Palembang	Jln. Letkol Iskandar No. 761 unit 3-4 Palembang, Sumatera Selatan 30124
	Tel: +62-711 361899
	Fax: +62-711 377855
ATM DBSI Puri	Komplek Ruko Grand Puri Niaga Blok K6 No. 1C & 1D Kembangan Jakarta Barat, 11610
	11610
	Tel: +62-21-5835 3337
	Fax: +62-21-5835 3557
Bank DBS Indonesia Kemayoran	Gedung Citra Tower, Jalan Benyamin Suaeb, Kav A6, Kemayoran Jakarta 10630
	10630
	Tel: +62216542499
	Fax: +62216542466
DBSI Balikpapan	Jl Jend. Sudirman No. 347 Balikpapan Kalimantan Timur
	76114
	Tel: +62-542 441944
	Fax: +62-542 441940
DBSI Bandung Djuanda	Jl. Ir. Juanda No. 7-9 Bandung 40116
	40116
	Tel: +62-22-3000-3700
	Fax: +62-22-426 1130
DBSI Bandung Jawa	Jl. Jawa No. 1 Bandung Jawa Barat
	40117
	Tel: +6222-3002 3500
	Fax: +62-22-423 2883
DBSI Bumi Serpong Damai	Komplek Ruko Bidex, Blok C No. 5-6, Jl. Pahlawan Seribu, Serpong, Tangerang Selatan, Banten
	15318
	Tel: +62-21-537 5505
	Fax: +62-21-537 5436
DBSI Capital Place	Gedung Capital Place, 16th Floor Jl. Jend. Gatot Subroto Kav. 18 Jakarta 12710
	Jakarta 12710
	Tel: +62-21-3118-3688
	Fax: +62-21-3118-3699
DBSI Denpasar	Jl Teuku Umar No 10 Blok A1-A3 Denpasar
	80114
	Tel: +62-361-3010400
	Fax: +62-361-224 221
DBSI Makassar	Jl. Haji Bau No. 36
	90125
	Tel: +62-411-879 279
	Fax: +62-411-879 280
DBSI Manado	Kawasan Ruko Megamas Blok 1 C1 No 1 Jl. Piere Tendean Kota Manado 95111
	95111
	Tel: +62-431-6002700
	Fax: +62-431-859 880
DBSI Mangga Dua	Mangga Dua Square, Blok H Nomor 8 & 9, Jl. Gunung Sahari Raya , Jakarta Utara - 14430
	14430
	Tel: +62-21-30051750/30051793
	Fax: +62-21-6231 1301
DBSI Medan Diponegoro	West Plaza Building, Ground Floor, Jl. Diponegoro No. 16 Medan, Sumatera Utara 20112
	20112
	Tel: +62-061-452 7011
	Fax: +62-61-452 7611
DBSI Medan Imam Bonjol	Jl. Imam Bonjol No. 26 A Medan, Sumatera Utara 20152
	Tel: +62-61-30014900
	Fax: +62-61-414 5488
DBSI Pantai Indah Kapuk	Ruko Metro Broadway Blok 8CA, Jalan Pantai Indah Utara 2
	14460
	Tel: +62-21-3049 5288
	Fax: +62-21-3049 5299
DBSI Pekanbaru	Jl. Jend Sudirman No. 174 D-E, Pekanbaru
	28282
	Tel: +62-761–9000100
	Fax: +62-761-839 188
DBSI Permata Hijau	Kantor Emerald No. 23 - 24, Grand Itc Permata Hijau, Jl. Letjen Soepono, Arteri Permata Hijau
	12210
	Tel: +62-21-5366 4471
	Fax: +62-21-5366 4470
DBSI Pluit	DBSI Pluit, Ruko Pluit Village Blok MG No. 40 - 41, Jl Pluit Indah Raya, Pluit ,Jakarta Utara 14450
	14450
	Tel: +62-21-30450450
	Fax: +62-21-6683769
DBSI Pontianak	DBSI Pontianak, Jl. Ahmad Yani No.32 A-B Pontianak, Kalimantan Barat 78121
	78121
	Tel: +62-561-745 300
	Fax: +62-561-745 505
DBSI Samarinda	Jalan Awang Long No. 22, Samarinda
	75121
	Tel: +62-541-746 288
	Fax: +62-541-746 658
DBSI Semarang	Jl. Pandanaran 46 Semarang
	50134
	Tel: +62-24-3300 8200
	Fax: +62-24-845 6719, 845 5009
DBSI Solo	Jl. Slamet Riyadi No.73, B-D, Surakarta
	57112
	Tel: +62-271 3006600
	Fax: +62-271 3006640
DBSI Surabaya Galaxy	Ruko Mega Galaxy, Jl.Kertajaya Indah Timur 14C No 1 & 2 Surabaya Jawa Timur 60116
	60116
	Tel: +62-31-5912778
	Fax: +62-31-5912779
DBSI Surabaya Pemuda	Jl. Pemuda No.54 Embong Kaliasin Genteng Kota SBY Jawa Timur 60271 Indonesia
	Tel: +62-31-600 10900
	Fax: +62-31-531 0277
DBSI Surabaya Sungkono	Jl. Mayjen Sungkono 91 Surabaya, Jawa Timur 60189
	60189
	Tel: +62-31-6003 9299
	Fax: +62-31-6003 9277
DBSI Tomang	Total Building, Ground Floor, Jl. Letjen S. Parman Kav. 106A, Tomang
	11440
	Tel: +62-21-2556 6255
	Fax: +62-21-2556 6222
Treasures Centre at Pondok Indah	Jl. Sultan Iskandar Muda Kav V-Ta, Pondok Indah, Jakarta 12310
	Tel: +62-21–30488900
	Fax: +62-21-2758-6698

Announcement of Termination of US Dollar Bank Draft, Change of Stamp Duty Fees, and Interest Rates Adjustment

Announcement of Termination of US Dollar Bank Draft, Change of Stamp Duty Fees, and Interest Rates AdjustmentDear valued customers,
Effective on 01 January 2021, there are adjustments of interest rates along with the termination of US Dollar bank draft as follow:

Termination of US Dollar Bank Draft
The Bank Draft issuance service in US Dollar is no longer available.

Adjustments of Savings Account & Current Account Interest Rates

Local Currency
Foreign Currencies

Adjustment of Tabungan Maxi Interest Rate with the progressive method

Changes of stamp duty tariff and terms of use

Change of stamp duty tariff to IDR 10,000 for documents with a nominal value of more than IDR 5,000,000
Existing stamp duties can be used until 01 January 2022 with a minimum total stamp tariff of IDR 9,000

For more information, please contact your Relationship Manager.

Announcement Cheque/Current Stamp Duty

Announcement Cheque/Current Stamp DutyIn accordance with Law No. 10 of 2020 concerning Stamp Duty, please see below adjustment to the Stamp Duty rate:

As of January 1, 2021, the applicable Stamp Duty is one tariff, which is Rp. 10.000,-

The remaining Rp3.000,- and Rp6.000,- stamps can still be used until December 31, 2021, provided that the affixed stamp duty on the Document is at least Rp9.000,-

Monthly Account Statement/ Movement of Account Balance will not be subject to Stamp Duty.

In accordance with the Regulation of the Director General of Taxes No. PER-01/PJ/2021 concerning Procedures for Settlement of the Difference of Less Stamp Duty Payable on Documents in the form of Checks and Bilyet Giro and Circular Letter of the Director General of Taxes No. SE-01/PJ/2021 concerning Instructions for Applying Stamp Proof of Payment of the Difference of Less Stamp Duty as of January 8, 2021, for Checks and Bilyet Giro, the following conditions apply:

Old Checkbooks and Bilyet Giro with Stamp Duty of Rp3.000,- per sheet can still be used for transactions and the fee rate per book is fixed at Rp125.000,-

Checks and Bilyet Giro that still carry a Stamp Duty of Rp3.000,- per sheet can still be used whether withdrawn from the Branch or clearing from other banks:

Customers not to add stamp duty on the Cheques and Bilyet Giro sheets to settle the shortage of Stamp Duty on the Checks and Bilyet Giro.
For Checks and Bilyet Giro that are already in circulation, the shortage of Stamp Duty of Rp7.000,- per sheet will be debited from the Customer's account at the time of withdrawal*, then deposited by the Bank to the State Treasury.
The Customer is required to ensure that the funds available in the Account are sufficient for the payment of the Check and Bilyet Giro process and the settlement of Stamp Duty.

To order new Check and Bilyet Giro book with Stamp Duty of Rp10.000,- per sheet, a fee per book of Rp300.000,- will be charged.

The Bank will debit the accumulated shortage of Stamp Duty of Rp7.000,- per sheet on the Checks and Bilyet Giro that have been cleared from Customer's account for the period January - June 2021 starting 1 July 2021. Going forward, Bank will debit shortage of Stamp Duty per withdrawal transaction.

Announcement for Interest CASA adjustment 01 July 2020

Announcement for Interest CASA adjustment 01 July 2020Here with we inform You that effective from 1 July 2020, the interest rate for Your AUD and USD Saving Accounts have changed. Increase Your balance to get the maximum interest. Please see the following information for the interest rate of AUD and USD Saving Accounts

Announcements for Changes to the Savings and Current Account Interest Calculation Method and Changes in Foreign Currency Savings Interest

Announcements for Changes to the Savings and Current Account Interest Calculation Method and Changes in Foreign Currency Savings InterestDear valued customer,Hereby we inform that effective March 1, 2020, the interest calculation method for your savings and current accounts, as well as the interest rates for foreign currency savings and current accounts will changeContinue to increase your balance to get the maximum interest rate. Here we submit an example of the calculation of savings and current accounts interest rates, as well as interest rates on savings and current accounts in foreign currencies that will apply:Example of new interest calculation:End of day balance for Regular Savings Account customer Rp 1,000,000,000, then the calculation of interest on Regular Savings Account for 1 day are as follows:

Foreign currencies Savings and Current accounts interest rate that will apply

Thank you.
PT Bank DBS Indonesia

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