Simpeda Monas iB Savings

More Blessings with Simpeda Monas iB

Sharia-compliant savings for your daily needs.

Sharia Savings for Daily Financial Needs

Convenience Through Sharia-Compliant Savings

Available for both individual and non-individual customers, with options for Wadiah and Mudharabah Mutlaqah contracts.

Streamlined Savings Facilities

Equipped with a savings passbook and Visa Debit ATM card to facilitate seamless transaction monitoring.

Deposit and Balance Terms

Requires an initial deposit of IDR 50,000, with a minimum balance of IDR 10,000, and subsequent minimum deposits of IDR 25,000, applicable to both Wadiah and Mudharabah contracts.

Profit Sharing Ratio, Fees, and Transaction Limits

Average Balance

Customer Share:: 1.00%1.00%
Bank Share:: 99.00%99.00%

Average Balance	Customer Share	Bank Share
Up to IDR 1 millionUp to IDR 1 million	1.00%1.00%	99.00%99.00%
> IDR 1 million – IDR 10 million> IDR 1 million – IDR 10 million	3.57%3.57%	96.43%96.43%
> IDR 10 million – IDR 500 million> IDR 10 million – IDR 500 million	3.57%3.57%	96.43%96.43%
> IDR 500 million – IDR 1 billion> IDR 500 million – IDR 1 billion	10.72%10.72%	89.28%89.28%
> IDR 1 billion> IDR 1 billion	14.29%14.29%	85.71%85.71%

*With an LPS Sharia insurance rate of 3.5% ER

Requirements & Opening Documentation

1

Identity documents, including National ID (KTP) and Tax Identification Number (NPWP) of the account administrator.

2

Deed of establishment, articles of association, and the latest amendment deed (for non-individual/corporate accounts).

3

Business Identification Number (NIB) or other relevant business licenses (for non-individual/corporate accounts).

4

Complete the account opening application form at the nearest Bank Jakarta branch office.

Additional Information

Benefits, Risks, and Additional Information

Sharia-compliant savings product designed for both individual and non-individual customers.
Includes a savings passbook and an ATM card with full access to e-channel services.
Flexible contract options tailored to customer needs with competitive profit-sharing ratios.
Subject to minimum deposit insurance coverage as stipulated by the Indonesia Deposit Insurance Corporation (LPS).
Profit-sharing ratios and projected returns are subject to change based on Bank policy, market conditions, as well as BI and LPS regulations; such adjustments may affect the actual profit-sharing amount received.
Product operates in accordance with Sharia principles based on DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000.
Account opening is exempt from stamp duty; joint accounts under 'AND' or 'OR' conditions are not permitted; available only under 'QQ' (beneficiary) status.
Profit-sharing is subject to a 20% withholding tax for average balances exceeding IDR 7,500,000, in accordance with applicable regulations.
Information regarding fees, benefits, and risks is subject to change in accordance with prevailing regulations.

Product Information Summary (RIPLAY)

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Frequently Asked Questions (FAQ)

Simpeda Monas iB Saving is a Sharia-compliant savings product based on the Wadiah or Mudharabah principle, designed to facilitate your daily financial transaction needs.

This product provides Sharia-compliant savings solutions tailored for both individual and non-individual customers.

The Wadiah contract serves as a deposit (safekeeping) where the customer may receive a bonus at the Bank's discretion, whereas the Mudharabah contract utilizes a profit-sharing system based on a mutually agreed ratio.

The initial deposit required is IDR 50,000, and the minimum account balance is IDR 10,000.

The Wadiah contract is exempt from administrative fees. For the Mudharabah contract, administrative fees are applicable and vary based on the selected account type.