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
As fund deposits facility
As facility to maintain customer's financial stability
Provide safety fund depositing facility
Risk
Market Risk
Risk occurred due to market interest fluctuation.
Operational Risk
The dysfunction of internal process, human error, system failure or external problem
B. Procedures and Using Guidance
Meeting with current account opening requirements as mentioned in current account opening application form. For example, free from National Black List, which is still valid as stated by Bank of Indonesia.
Application. Providing current account opening application, by attaching:
Personal:
Copy of Identification Card/Passport/copy of KITAS.
Corporate:
Copy of deed of establishment, Tax Identification Number, Company Business Permit Letter, Company Registration and domicile permission.
Initial Deposit. Initial deposit for opening current account are:
Account
Initial Deposit
Type of Customers
Rupiah (IDR)
Min. IDR 10,000,000.-
Min. IDR 1,000,000.-
Corporate
Personal
US Dollar (USD)
Min. USD 1,000.-
Min. eqv. IDR 1,000,000.-
Corporate
Personal
Japanese Yen (JPY)
Min. JPY 100,000.-
Min. eqv. IDR 1,000,000.-
Corporate
Personal
Other Currency
Min. eqv. USD 1,000.-
Min. eqv. IDR 1,000,000.-
Corporate
Personal
Minimum Balance. Minimum balance for current account (average per month):
Account
Minimum Balance
Type of Customers
Rupiah (IDR)
IDR 10,000,000.-
IDR 1,000,000.-
Corporate
Personal
US Dollar (USD)
USD 1,000.-
Eqv. IDR 1,000,000.-
Corporate
Personal
Japanese Yen (JPY)
JPY 100,000.-
Eqv. IDR 1,000,000.-
Corporate
Personal
Other Currency
Eqv. USD 1,000.-
Eqv. IDR 1,000,000.-
Corporate
Personal
Penalty. Penalty for not maintaining minimum balance (per month):
Account
Penalty
Rupiah (IDR)
IDR 100,000.-
US Dollar (USD)
USD 10.-
Japanese Yen (JPY)
JPY 1,000.-
Other Currency
Eqv. USD 10.-
C. Costs
Type
Cost
Deposit
• USD and JPY
Some of foreign currency
is not available due
to market condition
• < USD 10,000.-
or Eqv free of charge
• ≥ USD 10,000.-
or Eqv as much as 0.5%
• By using our rate
• IDR
Free of Charge
Internal Transfer
Transfer between
Bank Resona Perdania customer
Free of Charge
Cash Withdrawal
• Foreign Currency
• Same Currency
• Different Currency
0.5%/item (min eqv USD 5)
Our Rate
• IDR
Free of Charge
Type
Cost
Issuance of
• Check Book
• Giro Book
IDR 100,000.- per book
(including stamp duty)
IDR 100,000.- per book
(including stamp duty)
Administration Fee
• IDR account
• Foreign currency account
• IDR 10,000.- per month / account
• Eqv IDR 10,000.- per month / account
Account Closing
• IDR Account
• Foreign currency account
• IDR 50,000.- / account
• Eqv IDR 50,000.- / account
D. Interest Calculation
Interest endownment for current account is calculated by following condition:
Interest calculation method
Interest = Average Balance x Interest Rate x Days / 360
US Dollar Current Account
Average balance equal or more than USD 50,000/month.
Rounded up to the second decimal place.
Subject to 20% Income Tax.
Rupiah Current Account
Average balance IDR 100,000,000.- or more.
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. Term
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 transactions within 3 (three) months in a row.
back to top
