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
LLG/Inkaso (excluding other Bank charge)	Internet Banking	IDR 1500/item
BI-FAST	Counter	IDR 2500/item
BI-FAST	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

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