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Information on Changes in Names and Product Features of Permata Bebas and Permata Bebas iB

Oct 29, 2024
4 Minutes

Effective 2 January 2025, the Permata Bebas / Permata Bebas iB savings product will be renamed to Permata ME Saver / Permata ME Saver iB. This change will also include adjustments to the following product features:

  Now Effective 2 January 2025 Remarks
Saving Product Name
  • Permata Bebas
  • Permata Bebas iB
  • Permata ME Saver
  • Permata ME Saver iB
Changed
Currency Rupiah and a mandatory 1 foreign currency (upgradable to 12 foreign currencies), with options: USD, EUR, GBP, AUD, NZD, SGD, CAD, HKD, JPY, CNY, CHF, THB. Rupiah and a mandatory 1 foreign currency (upgradable to 12 foreign currencies), with options: USD, EUR, GBP, AUD, NZD, SGD, CAD, HKD, JPY, CNY, CHF, THB. Not Changed
Initial Deposit IDR 250K IDR 100K Changed
Minimum Balance IDR 100K IDR 20K Changed
Monthly Administration Fee

IDR 17,500 
if average balance < IDR 5 mio.


Free
If average balance > IDR 5 mio.

IDR 17,500 
if average balance < IDR 1 mio.


Free
If average balance > IDR 1 mio.

Changed
Card Administration Fee Free Free Not Changed
Interest Rate

IDR :
IDR 0 - < IDR 5 mio = 0.00%
IDR 5 mio - <IDR 500 mio = 0.25%
IDR 500 mio - < IDR 1 bio = 0.50%
>=IDR 1 bio = 1.00%.


USD :
0 - ≤USD 5000 = 0.00%
>USD 5000 = 0.125%.


SGD:
0 - ≤SGD 10K = 0.00%
>SGD 10K =  0.125%.


Other currencies (EUR, GBP, AUD, NZD, CAD, HKD, JPY, CNY, CHF, THB)
0.00%.

IDR :
IDR 0 - < IDR 5 mio = 0.00%
IDR 5 mio - <IDR 1 bio = 0.25%
>=IDR 1 bio = 0.5%.


USD :
0 - ≤USD 10K = 0.00%
USD 10K - ≤USD 50K = 0.125%
USD 50K - ≤USD 250K = 0.25%
>USD 250K = 0.50%.


SGD:
0 - ≤SGD10K = 0.00%
SGD10K - ≤SGD 50K = 0.125%
SGD 50K - ≤SGD 250K = 0.25%
>SGD 250K = 0.50%.


Other currencies (EUR, GBP, AUD, NZD, CAD, HKD, JPY, CNY, CHF, THB)
0.00%.

Changed
Nisbah 
(for Sharia product)

IDR :
9: 91 (Customer : Bank).


Foreign Currencies (USD, SGD, EUR, GBP, AUD, NZD, CAD, HKD, JPY, CNY, CHF, THB): 
1: 99 (Customer : Bank).

IDR :
9: 91 (Customer : Bank).


Foreign Currencies (USD, SGD, EUR, GBP, AUD, NZD, CAD, HKD, JPY, CNY, CHF, THB): 
1: 99 (Customer : Bank).

Not Changed
Cash Withdrawal in Other Bank ATM

Free Cash Withdrawal Fee from Permata Bebas IDR for the first 30 transactions/month if the balance before transactions is minimum 
IDR 5 mio.


For the 31st transaction onwards, or the balance before the transaction is below IDR 5 mio, a fee of IDR 7,500/transaction for domestic ATMs or IDR 25,000/transaction for overseas ATMs applies.
 

Free Cash Withdrawal Fee from Permata Bebas IDR for the first 30 transactions/month if the balance before transactions is minimum 
IDR 1 mio.


For the 31st transaction onwards, or the balance before the transaction is below IDR 1 mio, a fee of IDR 7,500/transaction for domestic ATMs or IDR 25,000/transaction for overseas ATMs applies.
 

Changed
Cash Withdrawal in Other Bank ATM Free Cash Withdrawal Fee from each Permata Bebas Foreign Currency for the first 3 transactions/month. For the 4th   transaction onwards, fee equivalent 
IDR 25,000/transaction for overseas ATMs applies.
Free Cash Withdrawal Fee from each Permata Bebas Foreign Currency for the first 3 transactions/month. For the 4th   transaction onwards, fee equivalent 
IDR 25,000/transaction for overseas ATMs applies.
Not Changed
Transfer Fee at Permata ME app
  • BI FAST : FREE
  • Online Transfer IDR 7,500
  • SKN/LLG IDR 2,900
  • RTGS IDR 25K
  • BI FAST : FREE
  • Online Transfer IDR 7,500
  • SKN/LLG IDR 2,900
  • RTGS IDR 25K
Not Changed
Transfer Fee at Other Channel
  • BI FAST : IDR 2,500
  • Online Transfer IDR 7,500
  • SKN/LLG IDR 2,900
  • RTGS IDR 25K
  • BI FAST : IDR 2,500
  • Online Transfer IDR 7,500
  • SKN/LLG IDR 2,900
  • RTGS IDR 25K
Not Changed
Inward & Outward Remittance Fee at Branch Charged Charged Not Changed
Inward & Outward Fee at Permata ME app Cable Fee : Charged
Provision Fee for same currency : Flat Fee IDR 50K (eqv) via Permata ME app.
Cable Fee : Charged
Provision Fee for same currency : Flat Fee IDR 50K (eqv) via Permata ME app.
Not Changed
Closed Account Fee IDR 100K
The closure of the IDR currency account will result in the closure of other foreign currency accounts.
IDR 20K
The closure of the IDR currency account will result in the closure of other foreign currency accounts.
Changed
Dormant Fee

IDR 10K and will be debited from the IDR account.

IDR 10K and will be debited from the IDR account. Not Changed
Other Program

Permata Poin 5% from purchases at Supermarkets and Gas Stations, up to IDR 500K per month with the following conditions:

  • Average balance in the transaction month IDR 5 mio - <IDR 15 mio: max. IDR 200K Permata Poin /month.
  • Average balance in the transaction month >= IDR 15 mio: max. IDR 500K Permata Poin /month.


Purchase transactions using Permata Debit Plus Card and QR Payment in the Permata ME app.


Other conditions:

  • Only applicable for domestic purchase in IDR account, with the condition of average balance in the IDR account.
  • To get Permata Poin, customer must be registered.

Start 1 January 2025


Permata Poin 5% from purchases at Snacks, Supermarkets and Gas Stations, up to IDR 500K per month with the following conditions:

  • Average balance in the transaction month IDR 5 mio - <IDR 15 mio: max. IDR 200K Permata Poin /month
  • Average balance in the transaction month >= IDR 15 mio: max. IDR 500K Permata Poin /month.


Purchase transactions using Permata Debit Plus Card and QR Payment in the Permata ME app.


Other conditions:

  • Customers who have previously registered for the 25% Jajan & Dandan or 5% Supermarket & SPBU programs will automatically be enrolled in the 5% Permata Poin Jajan, Belanja & Bensin program starting January 1, 2025, without needing to re-register.
  • Customers who have not previously registered for the 25% Jajan & Dandan or 5% Supermarket & SPBU programs need to register to receive the 5% Permata Poin Jajan, Belanja & Bensin program by: 
    • Registering through the e-form.
    • Registering through Permata Tel and branch offices.
    • Entering the promo code PBCB1 when opening an account for new customers.
  • The program is only valid for domestic transactions using IDR accounts.
  • The average balance considered is the balance in the IDR account.
  • Customers must register for the Permata ME application.
Changed

Other than the changes mentioned above, there will be no change on account number, debit card number, statement type, and access to transaction channels. Hence, Customer can transact as usual.

If there’s any question or more explanation needed, Customers may contact Permata Bank branch or Call Center Permata Tel by phone at 1500-111 or email care@permatabank.co.id.

1 Account 13 Currencies. Get Permata Poin IDR 500,000, Promo code PBCB1

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Syariah Saving Product that Provides 13 Currencies in 1 Account

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