Product & Services

To make an easier transaction interbank, Resona Perdania available National Clearing System of Bank Indonesia (SKNBI) service with design for minimize risk, example liquiditing risk, operational risk and fraud risk

Interbank payment transaction can be done through:

I.  National Clearing System of Bank Indonesia (SKNBI) is Bank Indonesia Clearing System, which covers Debit and Credits Clearings in which the final settlement has been executed in national basis.

Clearing is exchange of documents or exchange of electronic financial data among clearing participants either for their own behalf ot on behalf of their customers in which the result of its settled in a designated time.

Debit Clearing is the activities in the SKNBI for debit transfer and Credit Clearing is the activities in the SKNBI for credit transfer.

II.   Bank Indonesia Real Time Gross Settlement System (BI-RTGS) is a system for electronic fund transfer among Participans in Rupiah currency with settlement processed in real time on an individual per transaction basis.
III. BI-FAST is a National Retail Payment system infrastucture that can fasilitate faster, secure, efficient, and flexible retail payments. The purpose of this service is to provide payment system services that are fast, easy, cheap, safe and reliable.(CEMMUAH).
      
   BI-FAST is a new way of retail payments or rupiah transfers between Banks online and in real time through counter and internet Banking services provide by the Bank to Bank Resona Perdania Customers
 A. Benefit & Risk

Benefit
1. Quick
2. Easy and safe

Risk
1. Market Risk
  Risk occurred due to market interest and foreign exchange fluctuation.
2. Operational Risk
  Dysfunction of internal risk, human error, system failure or external problem.
3. Credit Risk
   Risk occurred due to the inability of third parties to settle their obligations.

B. Procedures and Using Guidance
1. Submit application is filled out completely and correctly, and signed by an authorized officer based on specified time limit.
2. Have a sufficient balance.

C. Charges

Charges for SKNBI and BI-RTGS are as follows: 

Services

Charge

LLG/Inkaso (excluding other Bank charge)

Counter*

IDR 2500/item

Internet Banking

IDR 1500/item

BI-FAST

Counter

IDR 2500/item

Internet Banking

IDR 1500/item

RTGS

Counter*

IDR 25000/item

Internet Banking

IDR 20.000/item

WIC*

IDR 25.000/item

Returned Cheque

IDR 150.000/item

 

*not currently available

 

Information

Fees charged by Bank Indonesia to Bank RTGS participants are :

  • For transaction until 10.00 am IDR 9,000,- per transaction.
  • For transaction above 10.00 am - 02.00 pm is IDR 18,000,- per transaction.
  • For transaction above 02.00 pm is IDR 23,000,- per transaction

Fees charged by Bank Indonesia to Bank SKNBI participants are :

  • For Debit Clearing Transaction is IDR 1,000,- per transaction.
  • For Credit Clearing Transaction is IDR 1,- per transaction.

The transaction fees charged by Bank Indonesia to BI-FAST Participating Banks:

  • Fee Charge of BI-FAST transactions IDR 19 / transaction

* Bank’s Fee is subject to 11% VAT for Walk-in-Customer

 

 

PAYMENT SYSTEM AT BANK RESONA PERDANIA

 

 

BI-RTGS

SKNBI

BI-FAST

Charge

Counter

IDR 25,000 *)

IDR 2,500 *)

IDR 2,500

Internet Banking

IDR 20,000

IDR 1,500

IDR 1,500 

Service Time (Outgoing)

Counter

Monday - Friday at 08.30 AM - 11.00 AM

Internet Banking

Monday - Friday at 08.30 AM - 13:30 PM

Amount Limit

> IDR 100.000.000

IDR 1 - 1.000.000.000

IDR 1 - 250.000.000

SLA

2 Hour

2 Hour

25 Second

Purpose

Free format

Free format

Investment

Fund transfer

Purchase

Other

Proxy ID **)

N/A

N/A

N/A yet (still in development process)

Notfication

N/A

N/A

N/A yet (still in development process)

Incoming

In accordance with Bank Indonesia window time

In accordance with Bank Indonesia window time

24/7

 

       

*)   VAT charge for Walk in Customer

**) Service not available

     

 Pricing Guide

TRANSFER

         

IDR

LLG/Inkaso (exclude other bank charge)

Counter *

IDR 2,500/item

Internet Banking

IDR 1,500/item

RTGS

Customer

Counter

IDR 25,000/item

Internet Banking

IDR 20,000/item

Walk in Customer

Counter *

IDR 25,000/item

 

BI-FAST

Counter

IDR 2,500/item

 

Internet Banking 

IDR 1,500/item

* VAT charge for Walk in Customer

 

** Service not available