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Customer Safety Guideline

Deposit Insurance Rate (LPS)

Announcement of Operational Services for Eid Holiday 2025

Happy Holi!

Counter Guarantee

A secondary guarantee given by the instructing party to the guarantor or issuer of another guarantee to reinforce the primary guarantee.

Loan (Import)

A financing facility designed to support exporters in financing production, invoicing, export preparation, and export receivables.

Collection Inward

 Import Document handling service with a non-LC scheme

Letter of Credit (Import)

Documentary credit as a form of bank assurance to pay exporter/seller at the request of the applicant as an importer/buyer

Loan / Financing (Export)

A financing facility designed to support exporters in financing production, invoicing, export preparation, and export receivables

Collection Outward

 Export document handling service with a non-LC scheme

Letter of Credit (Export)

Standby Letter of Credit

A written promise that provides payment or implementation guarantees, guarantees of advance receipt or guarantees of credit extension by banks

Bank Guarantee

A guarantee issued by the bank to pay the party receiving the guarantee in the event of default by the party being guaranteed

Demand Loan

A non-revolving credit facility with a maximum term of three years, for investment or project financing

Safe Deposit Box (SDB)

A facility for storing valuable items such as Gold, other Precious Metals and Securities.

Clearing

Payment mechanism for transactions ranging from IDR10,000 to IDR200,000,000

Real-Time Gross Settlement (RTGS)

Payment Mechanism with a minimum transaction of IDR100,000,000

SBI Express (IDR-INR Remittances)

Indian Rupee (INR) remittance for INR transfers to SBI Bank and all banks in India

Back to Back

Working capital credit facility with cash collateral

KPR-KPA

Long-term credit facility to purchase or renovate houses and apartments

Term Loan

Investment credit facility in the medium and long term used to finance capital goods 

Non-revolving credit facility with a maximum tenor of 3 years for investment financing or a combination of working capital and investment financing in the nature of project financing

PRK Loan

Working capital credit facility to finance short-term business operational costs or to finance gap between receivables and payable period

PRK Demand

Short-term working capital facility to finance accounts receivable, inventory, advances for purchases or other current assets

Deposito Recurring

Individual, IDR, Min monthly deposit IDR 100,000, Interest Rate 4%

Deposito On Call

Individual/Corporate, IDR/USD, Initial Deposit Rp 300 Mio, Interest Rate up to 3% (IDR) and 0,75% (USD)

SBII Time Deposit

Individual/Corporate, IDR/USD, Initial Deposit Rp 1 Mio, Interest Rate up to 4% (IDR) and 1,25% (USD)

Giro Prima

Individual, Initial Deposit IDR 2,500,000, Interest Rate 2% p.a.

Giro Valas

Individual/Corporate, Initial Deposit USD 100 (individual) and USD 500 (corporate), Interest Rate 0,25% p.a.

Giro IDR

Individual/Corporate, Initial Deposit IDR 1 Mio (individual) and IDR 2 Mio (corporate), Interest Rate 2% p.a.

SBII Tabunganku Saving Account

Individual, IDR, Initial Deposit IDR 20.000, Interest Rate 1% p.a.

SBII Emas Saving Account

Individual, IDR, Initial Deposit IDR 1,000,000, Interest Rate 2% p.a.

SBII Simolek Saving Account

Individual, IDR, Initial Deposit IDR 300.000, Interest Rate 1% p.a.

SBII Mandiri Saving Account

Individual, IDR, Initial Deposit IDR 100.000, Interest Rate 1% p.a.

Interest Rate effective from April 29, 2025

Forex Rates

Exchange rates for a wide range of global currencies.

Find the best solution for all your financial needs from the wide array of our offerings.

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Get the latest updates on SBII's news and events. Explore our recent achievement, upcoming initiatives and important announcement to stay informed.

Stay updated with the latest news and events.

Review the terms and conditions governing the use of SBII's services. Understand your rights, responsibilities, and important guidelines to ensure a seamless expirence.

Terms and Conditions of Services

SBII makes no warranty or representation regarding any content provided through this website and disclaims its liabilities in respect thereof. Access to and use of SBII's services is subject to these terms and conditions:<ol><li>The information provided on this website is intended to provide an overview of the products and services offered. If there is any difference between the information on this page and the agreement between PT Bank SBI Indonesia and the Customer, the agreement shall prevail.</li><li>PT Bank SBI Indonesia reserves the right to reject the Customer's service application if it does not fulfil the applicable terms and conditions.</li><li>The customer must read carefully every information available on this website and has the right to ask PT Bank SBI Indonesia about matters relating to the contents of the summary.</li></ol>Please ensure you have read, understood and agreed to comply with them before using our services.&nbsp;If you do not agree, please refrain from using our services.

SBII makes no warranty or representation regarding any content provided through this website and disclaims its liabilities in respect thereof. Ensure you have read, understood and agreed to comply with our terms and conditions before using our services.

Acceptance of Terms

As a valued account holder, it is of utmost importance to thoroughly comprehend the extensive responsibilities that you bear in diligently maintaining the security, confidentiality, and overall integrity of both your personal information and account details.&nbsp;

As a valued account holder, it is essential to understand your responsibilities in maintaining the security and integrity of your account and personal information

Account Responsibilities

By engaging with or utilizing the services provided by SBII, you unequivocally affirm that you have thoroughly perused, comprehended, and are in full agreement with the stipulations outlined in these terms and conditions, which govern your interaction with our offerings.&nbsp;&nbsp;Should you find yourself in a position of disagreement with any aspect of these terms, we kindly urge you to abstain from utilizing our services, as your compliance is imperative for maintaining the integrity of the contractual relationship.&nbsp;&nbsp;It is essential to recognize that your continued usage of our services serves as an implicit acknowledgment of your acceptance of these conditions, thereby establishing a binding agreement between yourself and SBII.

By engaging with or utilizing the services provided by SBII, you affirm you have read, understood and agreed to the terms and conditions that govern your use of our services

Use of Services

In order to access and use the services and features of SBII Internet Banking (hereinafter referred to as ‘Internet Banking’) provided by Bank SBI Indonesia (hereinafter referred to as ‘Bank SBII’), you hereby agree to accept and abide by the Terms and Conditions below:&nbsp;A. Definition<ol><li>Internet Banking is one of the channels of Digital Banking facilities from SBII Bank to access accounts owned by customers through the internet network using browser software on Gadgets (PC, Laptop, Smartphone, Tablet) so as to enable users to conduct banking transactions without involving the Bank in the transaction authorization process.</li><li>Bank SBII means PT Bank SBI Indonesia which includes the Head Office and branch offices and other offices which are an integral part of PT Bank SBI Indonesia.</li><li>Customer is an individual who has a fund account at SBII Bank.</li><li>Prospective Customer is an individual who does not yet have a fund account at SBII Bank.</li><li>User is a Registered User or Guest User who uses the Internet Banking Channel.</li><li>Registered User is a Customer who has registered and logged into the Internet Banking channel using the OTP / User ID and Password provided by Bank SBI Indonesia.</li><li>Guest User is a user who logs into the Internet Banking Channel without using the OTP / User ID and Password provided by Bank SBI Indonesia.</li><li>Login is the process of authorising a User to enter the Internet Banking Channel.</li><li>User ID is a combination of letters and or numbers created by the Customer to be able to log in as a user.</li><li>Password is an arrangement of a combination of numbers, letters and special characters that are secret as a security so that only authorised people can contact or access electronic networks.</li><li>Password types are divided into 2 (two) types, namely:a. Login Password, used when the Customer / User logs in to the Internet Banking application.b. One Time Password (OTP), this password is used when the customer will make a financial transaction as additional security. This password is sent by the Bank SBI Indonesia Internet Banking server via SMS to the customer's mobile phone / mobile phone registered with the Bank SBI Indonesia Internet Banking system.</li><li>PIN (Personal Identification Number) is a secret code consisting of six-digit numbers created by the Customer to carry out banking activities through the Internet Banking channel.</li><li>Account is a savings account, current account or deposit account in the name of the Customer at SBII Bank either currently existing/opened or other accounts that will be opened in the future from which withdrawals can be made at any time using a withdrawal instrument.</li><li>Instruction is an authorised and confirmed order from the Customer stored in the data center which will be treated as valid evidence without the production of written documents or those that require signing and whose truth/authenticity is undisputed.</li></ol>&nbsp;B. General Clauses<ol><li>The User Customer must secure the Internet Banking User ID and Password in accordance with applicable regulations.</li><li>User ID, Passcode and PIN are confidential and cannot be given to anyone for any reason. The Bank is not responsible for any disputes arising in connection with transactions caused by the provision of such confidential data.</li><li>Users are required to register in advance through SBII Internet Banking channels or Branches determined by the Bank, or through other official media that provide SBII Internet Banking Registration features, and must complete all applicable requirements for the purpose of Registration. User can only register 1 (one) mobile phone number in 1 (one) Customer Information File (CIF).</li><li>Users must register their device with the phone number registered in the Bank's system before they can use SBII Internet Banking.</li><li>During Registration, Users must specify their personal credentials: User ID and Internet Banking PIN for enrolment verification purposes. Users are solely responsible for these credentials.</li><li>Each type of Financial Transaction has a transaction limit that refers to the applicable information provided by Bank SBII on Bank SBI Indonesia channels.</li><li>All User accounts within 1 (one) CIF or Account at the Bank, opened before and after Internet Banking Registration, will be displayed in the Internet Banking Menu. The User can use the account and credit card as the source of funds.</li><li>The following activities can be performed by the User through SBII Internet Banking:a. View account balance and transaction history,b. Perform financial transactions such as: fund transfers, bill payments, credit top-ups, and QR transactions at merchants, QR transfers, cardless cash deposits and withdrawals at SBI Indonesia ATMs and CRMs,c. Download transaction reports,d. Receive transaction notifications,e. Save favourite accounts,f. Entering promo codes to participate in Bank promotions,g. Locate the nearest ATM and CRM, Bank Branch Office,h. and other features that will be added by the Bank in the future.</li><li>In the event that the User's phone number is duplicated or used by an unauthorised party, the User is responsible and must immediately report the matter to the Bank.</li><li>The customer must ensure the accuracy and completeness of the transaction order, SBII Bank is not responsible for any consequences that may arise due to negligence, incompleteness, vagueness, or inaccuracy of the order/data from the customer.</li><li>In the event that the customer wants to cancel the transaction, the transaction that can be cancelled is a transaction that has not been authorised by the customer, because the processing of instructions occurs in real time.</li></ol>&nbsp;C. User ID &amp; Password<ol><li>User ID and Password are confidential codes and the authority to use them lies with the User Customer.</li><li>User Customer must maintain the security of SBII Internet Banking User ID and Password by doing the following:a. Create a password with a minimum of 8 (eight) digits of characters consisting of capital letters, small letters, numbers and symbols.b. Do not disclose the Internet Banking User ID and Password to other people.c. Not recording the Internet Banking Password on paper or storing it in writing or other storage facilities that allow other people to know.d. Be careful to use the Internet Banking User ID and Password so that it is not visible to others.e. Change the Internet Banking Password periodically.</li><li>In the event that the User Customer knows or suspects that the User ID and Password have been known by other unauthorised persons, the User Customer must immediately carry out security by changing the User ID and Password.</li><li>If for some reason the User Customer is unable to change the User ID and or Password, the User Customer must notify Bank SBII through the Call Centre.</li><li>Before the User Customer notifies SBII Bank, all orders, transactions and communications based on the use of User ID and Password by unauthorised parties are the responsibility of the User Customer.</li><li>The use of User ID and Password has the same legal force as a written order signed by the User Customer, so therefore the User Customer hereby declares that the use of User ID and Password in each order for Internet Banking transactions also constitutes the authorisation of the User Customer to the Bank to carry out transactions including but not limited to debiting the User Customer's account both in the context of carrying out the ordered transaction and for payment of transaction fees that have been and or will be determined later by the Bank with prior notification by the Bank in any form and through any means.</li><li>Any misuse of SBII Internet Banking User ID and Password is the responsibility of the User Customer. The User Customer hereby releases SBII Bank from all claims that may arise, either from other parties or the User Customer itself as a result of misuse of the SBII Internet Banking User ID and Password.</li></ol>D. Cost<ol><li>SBII Internet Banking registration is free of charge. However, the User may be charged for certain Transactions conducted through SBII Internet Banking, including but not limited to transaction fees and Recharge/Data Packet fees which depend on the operator. Regulations regarding such fees are at the sole discretion of the Bank and will be communicated to the User.</li><li>User Customer agrees to SBII Bank's right to debit monthly admin fees and/or transaction fees automatically to the user's account in accordance with the rules set by SBI Bank Indonesia.</li></ol>&nbsp;E. Closing and Blocking<ol><li>SBII Bank has the right to close and or block the SBII Internet Banking user account if there are indications of misuse of the account in connection with violations of the law, or if the Bank implements provisions in accordance with applicable laws and regulations. The Bank is not required to send prior notice for this action.</li><li>The User must submit a formal request to the Bank if the User wishes to close or block his/her Internet Banking. In such case, the Bank will terminate Internet Banking based on such request.</li><li>Customer can reactivate by re-registering.</li></ol>&nbsp;F. Indemnity against loss&nbsp; &nbsp; In the event of any loss incurred by the user, the Bank shall not be liable for the following:<ol><li>Negligence on the part of the User in following the instructions, procedures and guidelines for using Internet Banking.</li><li>Consequences caused by delays in transferring funds caused by factors beyond the Bank's control, especially in the process of transferring funds to accounts at other banks.</li><li>Interference caused by viruses on mobile phones or mobile phone components, or on telephone operators.</li><li>The occurrence of multiple payments for the same payment made through different service facilities at the Bank or outside the Bank.</li></ol>&nbsp;G. Miscellaneous<ol><li>In the event that there are questions and/or complaints/complaints related to the Transactions carried out, the User may submit complaints in writing to the nearest Bank SBI Indonesia branch and/or verbally through the Call Centre 08001724636, or via e-mail to&nbsp;<a href="mailto:sbii-support@sbiindo.com">sbii-support@sbiindo.com</a>.</li><li>In the event of any changes related to SBII Internet Banking, the Bank will notify the User through an announcement at the relevant branch of the Bank, or through other media accessible to the User, such as electronic banking, with due observance of the provisions of the prevailing laws and regulations.</li><li>SBII Bank has the right to stop Internet Banking services temporarily or for a certain period of time for the purposes of renewal, maintenance, or other reasons deemed good by SBII Bank, and is not obliged to be responsible for the termination of services caused by this to anyone.</li><li>The parties agree that any dispute arising will be resolved by deliberation and if it cannot be resolved by deliberation, it will be resolved through mediation in the banking sector. Any dispute that cannot be resolved either through deliberation and/or mediation in the banking sector, will then be resolved at the District Court in the territory of the Republic of Indonesia.</li><li>The Bank has the right not to carry out or cancel the implementation of Instructions through Internet Banking if in the Bank's opinion there are strong reasons for it, without requiring the Bank to prove these conditions/reasons, including, but not limited to:a. Insufficient balance / account blocked or closed / other considerations that will be notified to the Customer;b. The Bank knows or has reason to suspect that a fraud or criminal offence has been or will be committed;c. In the event that there is a significant potential loss in the opinion of the Bank for any reason;d. In the event of a fault or malfunction of the system related to the use of channel services (hardware or software), transmission/communication, electronic components/equipment related to the use of Internet Banking, electricity, and others;e. In the event of Force Majeure such as the occurrence of natural disasters that damage the network and / or infrastructure of Bank SBI Indonesia, the occurrence of armed conflict or chaos on a national or international scale that disrupts the internet banking network, and so on.&nbsp;</li><li>By making this Registration, the User declares that he/she has read, agreed to and is subject to the Bank's Terms and Conditions regarding Internet Banking which are displayed on the mobile phone screen and the Bank's website - https://www.sbiindo.com.</li></ol>

A service that allows customers to conduct banking transactions securely online, without the need for Bank involvement in the transaction authorization process