Mandiri Tabungan Rencana Emas
Content - MTR EMAS
Mandiri Tabungan Rencana (MTR) Emas on Livin' by Mandiri
Effortlessly convert your monthly auto-debit savings into physical gold. Safe, hassle-free, and supported by trusted partners—all in one app, only on Livin'.
Opening a Savings Account
Tap the MTR Emas banner at Livin’ Home page
Create a savings name and enter a referral code (optional)
After entering the amount and period display your estimated savings
Set the monthly autodebit date
Then, enter the name of the insurance beneficiary for your savings account
Please double-check your details before opening your MTR account
Enter your Livin’ PIN
MTR account successfully opened. Happy saving!
FAQ - MTR EMAS
Frequently Asked Questions
What is Mandiri Gold Savings Plan (MTR Gold)?
Mandiri Gold Savings Plan (MTR Gold) is a savings account with automatic monthly deductions. Customers can choose the deduction date, savings period, and monthly amount.
How long is the MTR Gold savings period in Livin' by Mandiri?
The savings period is between 1 and 20 years.
What is the minimum opening deposit for MTR Gold?
The minimum opening deposit is IDR 100,000.
Is there an administration fee for MTR Gold?
No. There is no administration fee.
When are MTR Gold deductions made?
The first deduction is made at the end of the day when the account is opened. Future deductions are made on the date chosen by the customer.
What happens if there is not enough money in the source account for the MTR Gold deduction?
The deduction will be attempted again on the next scheduled deduction date. A failed deduction fee of IDR 5,000 will apply.
Can I withdraw my MTR Gold savings before maturity?
Yes. You can make either a partial withdrawal or close the account before maturity.
What insurance protection is included?
If the customer passes away or becomes permanently and totally disabled, the insurance company will continue making the scheduled savings contributions until the end of the savings period.
Will I receive an insurance policy for my MTR Gold account?
Yes. You can print your MTR Gold insurance certificate at the nearest branch by presenting a valid ID.
Can I withdraw my MTR Gold savings on public holidays or weekends?
Yes. Withdrawals can be made even if the maturity date falls on a public holiday or weekend.
How do I enter a referral code or branch code when opening an MTR Gold account?
You can enter the referral or branch code manually. The referral code contains letters and numbers, while the branch code is a 5-digit number. You can also tap the referral link or scan the referral QR code to fill in the details automatically.
Why am I not taken directly to the MTR Gold account opening page after clicking a referral link or scanning a QR code?
Please make sure you are using the latest version of the Livin' by Mandiri app and have completed the provisioning process. After that, you can continue with the account opening, and the referral and/or branch code will be filled in automatically.
What should I do when my MTR Gold savings period ends?
Once your MTR Gold account reaches maturity, you will see a banner on the Home screen inviting you to buy gold through Sukha.
I have a problem opening an MTR Gold account. What should I do?
If you experience any issues, please contact Livin' Call by Mandiri (toll-free), Mandiri Call 14000, or visit your nearest Mandiri branch.
How can I change my deduction details?
Go to your Savings Plan account from the Home page and select Deduction Details to update your deduction settings.
Why can't I shorten my savings period?
The savings period can only be extended. It cannot be shortened.
How can I change my withdrawal details?
Go to your Savings Plan account from the Home page to update your withdrawal details.
Why is the Withdraw button disabled?
Partial withdrawals are only available after the MTR Gold account has been active for more than one year. If the account is one year old or less, the Withdraw button will not be available.
How do I make a partial withdrawal?
Open your Savings Plan account from the Home page and select Withdraw. The button will become available once the account is more than one year old.
What is the fee for a partial withdrawal?
The partial withdrawal fee is IDR 100,000.
How do I close my MTR Gold account?
Open your Savings Plan account, select Close, and choose the account where you want the funds to be credited.
Can I withdraw an MTR Gold account opened at a branch through Livin' by Mandiri?
Yes. It can be withdrawn directly through Livin' by Mandiri.
How can I change the withdrawal account?
You can change the withdrawal account during the withdrawal process or from the Account Details page.
How can I change my MTR Gold account alias?
Go to Account Details and tap Edit.
How can I add more savings?
You can transfer additional funds to your MTR Gold account or increase your automatic deduction amount.
Why hasn't my main account been deducted on the scheduled date?
Deductions are made:
- At the end of the day the MTR Gold account is opened.
- On the deduction date selected by the customer, starting from the following month.
If the deduction date is changed, the new date will take effect from the following month.
Why has my MTR Gold account been closed automatically?
Your account may be closed automatically if:
- Three consecutive deductions fail.
- The account has reached maturity and the funds have been paid into the withdrawal account.
Why is my remaining MTR Gold balance reduced by more than my partial withdrawal amount?
A withdrawal fee of IDR 100,000 or 0.5% of the withdrawal amount (whichever is lower) is deducted from your remaining MTR Gold balance.
Why is my early withdrawal amount different from the estimated amount?
Interest is calculated daily and continues to accrue until the date the MTR Gold account is withdrawn before maturity.