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.
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 Charges
LLG/ Inkaso (excluding other Bank charge) Counter * IDR 5,000/item
Internet Banking IDR 1,500/item
RTGS Counter
IDR 25,000/item
Internet Banking IDR 20,000/item
WIC* IDR 35,000/item
Returned Cheque IDR 150,000/item

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 1,500,- per transaction.
  • For Credit Clearing Transaction is IDR 1,000,- per transaction.

* Bank’s Fee is subject to 10% VAT for Walk-in-Customer