Product & Services

As a partner in enhancing your business, Bank Resona Perdania Giro support and convenience for your business transactions. Current Account is other party’s saving on Bank that the withdrawal can be done in every time by using cheque, bilyet and other payment instrument or transfers.

A. Benefit and Risk

Benefits
1.   As fund deposits facility.
2.   As facility to maintain customer's financial stability.
3.   Provide safety fund depositing facility.
4.   Covered by LPS appropriate with prevailing regulation. 

Risk

1. Market Risk

Risk occurred due to market interest fluctuation.

2. Operational Risk

The dysfunction of internal process, human error, system failure or external problem.

3. Risk For Customers

If the Banks exposed to liquidation, then there is risk for customer the funding in current account cannot fully paid, but only be paid according nominally covered by the Indonesia Deposit Insurance Corporation (LPS) with the deposit interest rate according to the LPS  interest rate maximum limit that has been set.

B. Procedures and Using Guidance

Comply with current account opening requirements as mentioned in current account opening application form. For example, free from National Black List issued by Bank Indonesia.

Application
Providing current account opening application, by attaching:
Individual
Copy of Identification Card / Passport / KITAS.
Corporate
Copy of deed of establishment, Article of Association amendment, Tax Identification Number, Company Business Permit Letter/Permanent License, Company Registration and Domicile Permission, Statement Letter Permission from Minister of Justice and Human Rights.

Minimum Initial Deposit
Minimum initial deposit for opening current account are:

Type of Customers Minimum Initial Deposit
Corporate    USD 1,000
JPY 100,000
IDR 10,000,000
CNY 5,000
Eqv. USD 1,000 (other Ccy)
Individual Eqv. IDR 1,000,000

Minimum Balance For All Accounts
Minimum balance for all current accounts (average for all current accounts per month :

Type of Customers Minimum Balance for All Current Accounts (average for all accounts per month)
Corporate    USD 1,000
JPY 100,000
IDR 10,000,000
Eqv. USD 1,000 (other Ccy)
Individual Eqv. IDR 1,000,000

Minimum Balance Penalty

Penalty for not maintaining minimum balance (per month):

Currencies Penalty for Not Maintaining Minimum Balance For Combined Accounts per months
US Dollar (USD) USD 10
Japanese Yen (JPY) JPY 1,000
Indonesian Rupiah (IDR) IDR 100,000
Other Currency Eqv. USD 10

 C. Charges

Transactions Charges
Cash Deposit Fee for USD and JPY For Customer Credit to account Free
Cash Deposit Fee for USD and JPY For Customer Transfer ½%
Cash Deposit Fee for USD and JPY For Non Customer Transfer 1%
Cash Withdrawal for USD, JPY, AND CNY ½% (min eqv. USD 5)
Internal Transfer For Same Ccy Free
Internal Transfer For Exchange Our rate

 

Transactions Charges
Checkbook and Giro Book IDR 100,000/book
Administration Fee  IDR Account IDR 10,000/month/account
FCY Account Eqv. IDR 10,000/month/account
Account Closing  IDR Account IDR 50,000/account
FCY Account Eqv. IDR 50,000/account
Copy of Bank Statement IDR 25.000/month/account

D. Interest Calculation

Interest endowments for current account is calculated by following condition :

Interest Calculation Method

Interest = Average Balance x Interest Rate x Days / 360

Interest Calculation (Subject to 20% income tax) USD Average balance ≥ USD 50,000/month
IDR Average balance ≥ IDR 100 million/month
CNY Average balance ≥ IDR 500,000 million/month
Other Ccy No Interest

· Rounded up to the second decimal place.
· Subject to 20% Income Tax.

Japanese Yen Current Account
There is no interest facility for Japanese Yen current account.

Interest rate implemented on US Dollar and Rupiah current account is fluctuate each month in line with market condition.

E. Terms 

·    Penalty and administration fee for zero balance account will be charged to other account with sufficient balance.

·    Current account will be non-activated if the customers do not have any transaction within 3 (three) months in a row.