Kopra Investment

Deposito Digital Kopra

What is Kopra Digital Time Deposit and why should your company use it?

Kopra Digital Time Deposit is an end-to-end digital corporate time deposit solution available on Kopra by Mandiri. Companies can open, place, extend, and redeem their time deposits entirely online without physical forms or branch visits.

Who can access Kopra Digital Time Deposit?

This feature is available for corporate customers using the latest version of Kopra by Mandiri (www.koprabymandiri.com).

What are the benefits of placing time deposits via Kopra?

Kopra by Mandiri offers multiple benefits, including:

  • Operational efficiency because all transactions are completed online without branch visits
  • Real-time monitoring of deposit status, amount, and maturity date via the Kopra dashboard
  • Account opening with no additional fees

What are the key features of Kopra Digital Time Deposit?

  • Digital account opening
  • Early withdrawal before maturity
  • Flexible renewal options, change between ARO (Automatic Roll Over) and Non-ARO 
  • Dedicated deposit monitoring dashboard

What types, tenors, and currencies are available?

Kopra provides flexibility based on company liquidity and investment strategy.

Deposit Type

Renewal Method

Currency

Tenor

Regular Time Deposit

ARO (Principal & Interest), ARO (Principal only), dan Non ARO

IDR, USD, SGD, CNY, AUD

1, 3, 6, 12, 24 Months

EUR, GBP, HKD, JPY

1, 3, 6, 12 Months

On Call Deposit

Non ARO

IDR, USD

5 - 28 Days

What is the minimum placement amount?

Varies based on type and currency:

Regular Time Deposit

On Call Deposit
  • IDR 10.000.000
  • USD 1.000
  • JPY 150.000
  • EUR 1.000
  • SGD 1.000
  • GBP 1.000
  • AUD 2.000
  • HKD 10.000
  • CNY 7.000
  • IDR 250.000.000
  • USD 25.000

Can deposit transactions be done daily, including outside business hours?

Yes. Transaction requests, including early withdrawals, can be submitted every day until the 22:00 WIB cut-off time.

Does Digital Time Deposit provide physical certificates?

No. The product is fully paperless, and physical certificates are not issued.

Can deposits opened via Kopra be redeemed at a branch?

No. These deposits can only be redeemed through Kopra by Mandiri.

Can branch-opened deposits be monitored on Kopra?

Yes. They can be monitored after being registered through a branch or your Relationship Manager. However, redemption must still be done at the branch.

Are there penalties for early withdrawal?

Yes, there are penalties for early withdrawal:

  • Regular Time Deposit: penalty of 0.5% of the principal
  • On Call Deposit: no penalty

What taxes apply to Kopra Digital Time Deposit?

 Interest earned is subject to a 20% tax, withheld automatically during redemption, based on applicable regulations.

Will the deposit be automatically redeemed at maturity?

The disbursed funds will be credited directly to the disbursement account registered with Kopra by Mandiri.

Can companies change the renewal method (ARO <-> Non-ARO)?

 Yes. Changes can be made no later than one day before the maturity date and will take effect on the same day.

What is the flow for opening a Digital Time Deposit via Kopra?

Maker

  • Login to Kopra > Treasury > Investment
  • Select Open Deposit
  • Choose funding account
  • Enter alias, tenor, and deposit amount
  • Submit transaction

Approver

  • Login to Kopra > My Task
  • Approve the deposit opening request

What is the early redemption process?

Maker 

  •  Login to Kopra > Treasury > Investment 
  •  Select the deposit account 
  •  Click Action > Disbursement 
  •  Accept Terms and Conditions 
  •  Submit transaction 

Approver 

  •  Login to Kopra > My Task 
  •  Approve the early redemption request

I am a Kopra Cash Management (KCM) Retail user and do not see the deposit menu. What should I do?

Retail customers with Company ID created before 20 October 2025 must request service maintenance and complete deposit activation forms at a Mandiri branch.

I am a Kopra Cash Management (KCM) Wholesale user. Can I access the deposit feature immediately?

Yes. Your company’s sysadmin can enable access by configuring menu permissions and approval authority for both makers and approvers in Kopra by Mandiri.

What risks should be considered when using this feature?

System or network disruptions may cause delays in account creation or redemption. To minimize risks, customers are advised to submit transactions before the 22:00 WIB cut-off time.

 

Info Lebih Lanjut

Mandiri Call 14000 

Email : kopra@bankmandiri.co.id | Kantor Cabang Bank Mandiri terdekat.