Deposito Fleksi : SMBC Indonesia

Deposito Fleksi

Time deposit with attractive return and liquidity feature where fund can be withdrawn anytime without any penalty.

Product overview

The product offers a return that is accordance to the interest rate that is agreed upon the beginning of the funds placement, should no withdrawal made until the deposit term ends.
Customer will not be penalized for withdrawal prior to maturity but interest paid will be adjusted or will not be paid (depending on withdrawal period).
All paid interest are subject to taxes stipulated by the government
The minimum amount of principal is Rp 10,000,000
Maturity periods are available for 1, 3, 6 and 12 months.
The maturity period can be extended automatically (Automatic Roll Over-ARO)
An extension can be made for the amount of the principal only or the amount of the principal and the interest.
Interest can be paid in monthly scheme or when the term ends.
Information services regarding time deposit transactions are available from Sinaya Notification (through SMS and e-mail). To access the Sinaya Notification services automatically, customers should use cellular services from a local GSM provider (Telkomsel, XL, Indosat, Axis or Three (3)).
Information about the accounts is provided in time deposit advice and/or electronic statement (e-statement)*.

*To access the e-statement service, a customer must first register with the SMBC Indonesia.

Customer terms & conditions

Product Information & Charges (Individual)

Product Information & Charges (Non Individual)

Get Deposito Fleksi Now

Available for individual and non-individual customers
Complete the product opening/placement form and submit supporting documents that are required
Own a savings account or demand deposit account with SMBC Indonesia as a source of funds and funds receipt account to withdraw the time deposit.
Required documents:

Individual – Indonesian Citizens

Original ID card
NPWP (tax identification number) Card

Individual – Foreign Citizens

Passport
Temporary Stay Permit (KIMS/KITAS) or Reference Letter

Non-individual

Original ID card
NPWP (tax identification number) Card

Company documents, such as SIUP (business permit) and TDP (company registration certificate)

For the customers in need information, want to give advise, or file complaints regarding SMBC Indonesia's products and/or services, please contact Unit Penanganan Pengaduan Konsumen at the nearest branch office or SMBCI Care at 1500365.

Significant Impact

Our empowerment program is an integrated element to our business model. We will always try to create opportunities for all SMBC Indonesia customers to grow and make a more meaningful life through our products and activities.

Erna Zurnimawati

"While being a customer of Bank SMBC Indonesia, I have been guided by the Daya team, starting from exhibitions, coaching, and many online and offline training sessions. I have also received orders from SMBC Indonesia itself"

Siti Rochanah

"I am able to manage my business finances and its online store as taught by Daya, and am often invited to participate in various exhibitions. The pinnacle of my achievement was being introduced to President Joko Widodo at an exhibition held by SMBC Indonesia, and my product, Iwaknyuzz, received an appreciation from him"

Adam Abdullah

"Through the Daya program, we also received capital support that helped us increase production capacity even further, through an easy and non-burdensome capital scheme. This business easily obtains adequate and measurable capital according to the capacity and ability of the business. We are grateful that WGB is now a market leader in the plus-size men's retail clothing business"

Agnes Sukenty Niken

“After receiving personalized coaching for 6 months from Daya SMBC Indonesia, starting from creating a business plan, ensuring the supply chain of raw materials, and scaling up the business itself. It turns out that running this business involves so many things that I had not previously thought. As of now, Ing Pawon's products are available in various modern retail outlets from Papua to Sumatra ”