Foreign Currency Deposito

A term deposit in foreign currency (USD) offering attractive and competitive interest rates, designed as an investment instrument to help you manage your financial portfolio and protect your asset value against exchange rate fluctuations.

Steady Returns for a Secure Future

Flexible Tenors

Investment and Asset Protection Against Exchange Rate Fluctuations

Easily Managed

Seamless and Practical Process

Investment Solution

Steady Returns for a Secure Future

Flexible Tenors

Investment and Asset Protection Against Exchange Rate Fluctuations

Easily Managed

Seamless and Practical Process

Investment Solution

Flexible Deposit Solutions

An USD-denominated time deposit with tenor options of 1, 3, 6, and 12 months. The interest rate corresponds to the selected tenor and is paid upon maturity.

Automatic Roll Over (ARO) option available

Time Deposit Interest Rates

Tenor

IDR (Counter Rate):: 2.50% p.a2.50% p.a
USD (Counter Rate):: 0.75% p.a0.75% p.a

Tenor	IDR (Counter Rate)	USD (Counter Rate)
1 Month1 Month	2.50% p.a2.50% p.a	0.75% p.a0.75% p.a
3 Months3 Months	3.00% p.a3.00% p.a	0.75% p.a0.75% p.a
6 Months6 Months	3.00% p.a3.00% p.a	0.75% p.a0.75% p.a
12 Months12 Months	3.00% p.a3.00% p.a	0.75% p.a0.75% p.a
24 Months24 Months	3.00% p.a3.00% p.a	--

Registration Requirements & Terms

1

Have a Bank DKI Savings and/or Current Account

2

Account Opening Form

3

e-ID Card and Tax Identification Number (NPWP) for Indonesian Citizens

4

Valid ID Card/KITAS/KITAP and Passport for Foreign Citizens

5

Open a Time Deposit account at a Branch Office or through JakOne Mobile

Deposit Simulation Calculator

Foreign Currency Deposit

Deposit Amount

USD

Minimum placement USD 500

Tenor

Interest Rate

-

Estimated Deposit Returns

USD 0

Est. interest received USD 0

The calculation provided is for simulation purposes only and serves as an illustration or estimate. It is non-binding, and the actual calculation will be determined based on the Bank's system and prevailing terms and conditions. The results above exclude the 20% withholding tax on interest income. Interest rates are subject to change at any time in accordance with applicable regulations and the Bank's policies.

Important Information on Foreign Currency Time Deposit

Currency & Exchange Rate Provisions

Foreign Currency Time Deposits are available in USD.
Currency conversion transactions utilize the prevailing exchange rate at the time of the transaction.
There is an exchange rate fluctuation risk that may affect the investment value in IDR.

Taxation & Withdrawals

Foreign currency time deposit interest is subject to a 20% final income tax.
Fund withdrawals in the form of foreign banknotes are subject to branch stock availability and applicable commission fees.

Product Information Summary (RIPLAY)

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Frequently Asked Questions Regarding IDR & Foreign Currency Time Deposits

An IDR Time Deposit focuses on fund growth through optimal IDR interest rates, whereas a Foreign Currency Time Deposit allows you to maintain funds in foreign currency (USD) for asset diversification and protection against exchange rate fluctuations.

Currently, the Foreign Currency Time Deposit product is available in USD (US Dollar).

Automatic Roll Over (ARO) automatically extends your deposit upon maturity. You may choose between ARO Principal (where only the principal is reinvested) or ARO Principal + Interest (where the entire proceeds are reinvested).

No, the Foreign Currency Time Deposit interest rate is determined based on the interest rate policies of the respective currency's country and global market conditions; therefore, it differs from the IDR interest rate.

For Foreign Currency Time Deposits, the minimum placement is USD 500.