Cara Buka Deposito Mandiri di Livin' by Mandiri
Content - DEPO NEW
Mandiri Deposito on Livin’ by Mandiri
Starting from Rp 1 Million, open your deposit account right from Livin’ by Mandiri. Experience seamless account opening and withdrawal via Livin’, and extra peace of mind with a Time Deposit e-Bilyet that can be downloaded and saved on your handphone.
Opening a Deposit Account
Go to Your Product page and tap on Deposit.
Select Rupiah/USD Time Deposit.
Enter your deposit principal amount, then select the tenor and interest rate. You can also check interest rate details on this page.
Select your preferred maturity instruction and then tap Continue.
Check the details for your account opening then tap Confirm.
Enter your Livin’ PIN.
Verify your identity via facial recognition. Make sure you have enough light and your face clearly visible.
Yay! Your deposit account has been successfully opened. You can check it on your Products page.
Deposit Account Details
You can view your e-Bilyet from the Home page or from your Deposit account details page.
On the Deposit account details page, tap Time Deposit e-Bilyet.
Read and understand the educational information about e-Bilyet first, then tap See Now.
Rotate your phone for a clearer view. Remember, this e-Bilyet can only be downloaded once. If you want to download it later, tap the X button in the top corner.
Withdrawal of a Deposit
To withdraw your deposit, go to the Deposit account details page, then tap Withdraw.
Early withdrawal is subject to a penalty fee. If this is correct, tap Withdraw to continue.
Select the payout account you wish to use.
Please check that the withdrawal details are correct. Tap ‘Withdraw’ to continue.
Enter your Livin’ PIN.
Verify your identity via facial recognition. Make sure you have enough light and your face clearly visible.
Yay! Your deposit has been successfully withdrawn!
Risks
-
Customer deposits are not covered by the Deposit Insurance Corporation (LPS) guarantee program if:
- The total balance of the Customer's deposits exceeds IDR 2 (two) billion in one bank, whether for single accounts or joint accounts.
- The interest rate received by the Customer exceeds the maximum guaranteed interest rate set by LPS.
-
Savings interest rates may fluctuate according to market conditions.
-
The Customer is obligated to keep confidential data (debit card number, card expiry date, CVC/CVV, PIN,
username, password, OTP, date of birth, mother's maiden name). Misuse of confidential data by unauthorized parties is entirely the Customer's responsibility.
-
The Customer is required to provide information and/or data that is true and accurate. Any consequences arising from the Customer's failure to provide truthful information and/or data are entirely the Customer's responsibility.
Simulation
|
Nominal |
Tenor |
Annual Interest Rate |
Nominal monthly interest rate (before tax)* |
Monthly Interest Amount (after tax)** |
|
Rp10.000.000,- |
1 month |
2,25% |
Rp18.493,15 |
Rp14.794,52 |
*) Assumes 30 days in a month
**) Income Tax (PPh) rate is 20%
Notes
-
- Deposit interest is credited at maturity.
-
- In the event of changes in interest rates, the interest amount received by the customer will be affected.
For detailed information on Mandiri Deposito, click here
FAQ - New Deposito
Frequently Asked Questions
What is meant by Deposits in Livin' by Mandiri?
A feature in Livin' by Mandiri that customers can use to open, maintain, withdraw, and close deposit facilities created in the Livin apps.
What are the requirements for me to open a Deposit in Livin' by Mandiri?
To open a deposit in Livin' by Mandiri, customers must:
- Have an active savings or current account
- Minimum Rupiah deposit opening amount of IDR 1,000,000 and minimum USD deposit amount of USD 1,000.
- Individual customers: Indonesian citizens with a valid e-KTP or foreign nationals with a valid passport & KITAS/KITAP/Golden Visa
What are the benefits of opening a Deposit in Livin' by Mandiri?
- A safe, reliable, and profitable investment
- Competitive interest rates
- No administrative fees except stamp duty
- Interest is calculated based on the actual number of days (1 year calculated as 365 days)
Is there a specific denomination increment for opening a Deposit?
Yes, customers can open deposits in multiples of IDR 100,000 for Rupiah deposits and USD 1 for USD deposits.
Why can't I proceed with my deposit opening process?
Customers cannot open a deposit in the Livin Apps because:
- Opening a deposit between 10:00 PM and 2:00 AM. Customers are advised to open a deposit after 2:00 AM or before 10:00 PM.
- Do not have an active savings/current account. Customers are advised to activate their savings/current account to be used as the source account for deposit placement.
- Mismatch between the account currency and the deposit currency. Customers are advised to open an account that matches the currency of the deposit to be created.
What is the Deposit interest rate in Livin' by Mandiri?
The interest rate is given according to the placement tier, deposit amount, and selected tenor. Complete information regarding deposit interest rates can be accessed at https://www.bankmandiri.co.id/web/guest/suku-bunga-dana#deposit
What are the available tenors for Deposits in Livin' by Mandiri?
Customers can choose tenors of 1, 3, 6, 12, and 24 months.
Can the Deposit interest rate change during the placement period?
Customers will receive the same Deposit interest rate as at the time of opening until maturity.
What are the maturity instructions for Deposits in Livin' by Mandiri?
There are 3 maturity instructions, namely:
- Non ARO/Not Renewed: The deposit principal and interest amount are disbursed to the customer's Savings/Current Account.
- ARO Principal/Renew Principal: The deposit principal will be renewed according to the tenor selected at the time of opening, and the interest amount is disbursed to the customer's Savings/Current Account.
- ARO Principal & Interest/Renew Principal & Interest: The deposit interest amount is added to the Deposit Principal Amount, and both are renewed according to the tenor selected at the time of opening.
Can the customer's Deposit be withdrawn before maturity?
Yes, customers can withdraw their deposit before maturity with a penalty of 0.5% of the Deposit Principal. Interest on the cancelled deposit placement is not paid by the Bank.
How do I change the Deposit alias name?
Customers can change the Deposit alias name by going to the Account Details page, then selecting Edit.
Can Deposits opened at a branch be withdrawn through Livin' by Mandiri?
No. Customers can only withdraw deposits created in Livin'.
How do I change the disbursement account?
Customers can change the disbursement account on the deposit account details page. Livin' by Mandiri will display all eligible accounts for disbursement. Changes can be made no later than H-1 at 10:00 PM WIB before the maturity date.
Why doesn't the Disbursement Account appear when the ARO Principal & Interest instruction is selected?
Deposits with ARO Principal & Interest type are not disbursed at maturity except by manual withdrawal. The Disbursement Account will be displayed again if the Deposit is withdrawn or changed to another disbursement instruction.
What is "Matured Deposit Withdrawal"?
This menu is provided if the automatic disbursement of a Non-ARO Deposit fails because the Disbursement Account has an issue, for example if the account is closed. Customers can perform a manual withdrawal on the maturity date (H-day) without penalty as long as they have an eligible Savings/Current Account.
Why has my Deposit maturity date shifted?
The maturity date shifts because that date does not exist in the month when the deposit matures.
Do public holidays or bank holidays affect Deposit withdrawals?
No, customers can withdraw their Deposits on public holidays or bank holidays.
What is meant by e-Bilyet Deposito?
e-Bilyet Deposito in Livin is proof of ownership of a deposit created in the Livin by Mandiri Application.
What are the requirements for me to have an e-Bilyet Deposito?
Customers who can use the e-Bilyet Deposito feature in Livin must:
- Have the Livin' by Mandiri application with minimum version 3.5.0
- Have a deposit account created in Livin
What deposit currencies can have an e-Bilyet Deposito?
Customers owning Livin Deposits in either IDR or USD currency can access e-Bilyet Deposito.
Which deposit renewal methods can I create in Livin to have an e-Bilyet Deposito?
All renewal methods can have an e-Bilyet Deposito, namely:
- ARO method - Principal renewal
- ARO method - Principal & interest renewal
- Non ARO method or not renewed
If I have an e-Bilyet Deposito, can I also have a Physical Bilyet?
No, deposits created in Livin can only have an e-Bilyet Deposito.
Can my Deposit opened at a branch have an e-Bilyet Deposito?
No, deposits opened at a branch can only have a Physical Bilyet.
Can I bring an e-Bilyet Deposito to a branch to withdraw my deposit?
No. Withdrawal of Livin deposits can only be done in Livin.
If my parent, as the deposit holder, passes away and I am the beneficiary of the deposit, can I withdraw my parent's deposit in Livin' by Mandiri?
No, the deposit beneficiary can only withdraw the deposit at a Branch by bringing the following documents:
- Death certificate of the Depositor;
- Identity card of the deceased Depositor and the beneficiary's identity card;
- Certificate of inheritance issued by the authorized institution;
- Birth certificate or family card showing the relationship between the beneficiary and the deceased Depositor;
- Will or testament showing that the beneficiary is entitled to the deposit (if any)