It is a feature of opening a Foreign Exchange (Forex) account with a choice  of 14 currencies with Multicurrency Savings (Multiccy) products for existing to bank customers  who already have a Bank Mandiri rupiah account. 

Customers can open a Foreign Exchange account at any time at Livin'.

There are no additional fees charged to Customers who open a foreign exchange account  at Livin' by Mandiri. However, there is a monthly account administration fee in accordance with the applicable policy

In the process of opening an account through Livin' by Mandiri, the Customer is not required to refill his/her data. KYC verification will be carried out by means of Face Verification and Livin' by Mandiri PIN to ensure that the Customer who opens the account is a genuine customer. 

In a set of Multicurrency Savings consists of 1 (one) Main Account account and several Sub Account accounts.  The Main Account is a Multicurrency Savings account that is first opened by the customer or a Multicurrency Savings account with the type of currency they already have, while the Sub Account is a Multicurrency Savings account with a different currency than the one they already have. Multicurrency Savings account management fees will only be charged to the Main Account, while for Sub Accounts, account management fees will not be charged except for the cost of printing statements on demand. 

The Main Account of the Multicurrency Savings Account will be formed if the Customer meets one of the following conditions: 

• The Customer already has a Foreign Exchange account in the same currency, or  

• The customer does not have a Main Account account, or 

• The Sub Account account quota has reached the maximum limit (currently a maximum of 13 Sub Account accounts). 

A Multicurrency Savings Account Sub Account will be formed if the Customer meets all of the following conditions: 

• The customer does not have an account in the same currency, and 

• The Customer has a Main Account with Active or New Today status with a balance, and 

• The customer still has a Sub Account account quota (has not reached the maximum limit)

To be able to open a Multicurrency Savings account, there are several things that must be ensured:

• The customer already has an IDR account that is not an account with a product code that is not allowed to transact at Livin', not  a joint  account in the form of "AND" and "OR", and has  a new today  status that has a balance of > IDR 0 or active status. 

• The customer does not have an account with restricted or frozen status. 

• The customer does not have a Multicurrency Main Account Savings account with a new today (4) balance status of 0 (zero). 

• The customer still has a Multicurrency Savings account quota for a currency. 

• Not in a condition where all Multicurrency Main Account Savings accounts owned are dormant. 

To be able to choose a currency, make sure the Customer still has an account quota for the currency to be selected. The account quota for each currency is 3 (three) accounts (subject to change according to the applicable policy). 

Customers can open a foreign exchange account by directly depositing or depositing later when the account has been formed. However, if the customer does not make an initial deposit for the Main Account for up to 90 calendar days or for Sub Accounts up to 180 calendar days from the time the account is formed, then the account will be closed

Customers will not get a passbook. For account mutation information, you can see it through the Livin' by Mandiri application. Customers can also obtain e-statements via email every month and account details on the Livin' by Mandiri application. 

After the account opening process, the Customer can see the account number on the Successful Account Opening Results page. Information regarding account numbers will also be received through the Inbox at Livin' by Mandiri and sent to  the  Customer's email registered with Livin' by Mandiri. In addition, Customers can also view account information on the Home page in the "Savings and Deposits" section.  

There are several possibilities as follows. 

• The customer has an account with a restricted or frozen  status so the customer cannot create a new account yet. Customers can unblock the account through Bank Mandiri branches.  

• The customer does not have an active Rupiah currency account at Bank Mandiri. Customers can open a Rupiah account first through Livin' by Mandiri or Bank Mandiri branches. 

• All Customer's Main Account Forex accounts are dormant  or passive. Customers can activate savings first through Bank Mandiri branches. 

• The customer has a Foreign Exchange Main Account with the status of New Today with a zero balance. To be able to open a new Foreign Exchange account, the Customer needs to deposit first.  

• The number of Customer's Foreign Exchange accounts has reached the maximum limit for each currency. 

• There are no currencies available as all currencies in the back office are in the OFF state. Customers can try to reopen when the currency status is ON again. 

The customer may choose to do one of the following: 

• The customer can cancel the foreign exchange account opening by clicking the 'Return' button, or 

• Customers can continue to open a foreign exchange account without an initial deposit by clicking the 'Continue Without Deposit' button. 

There are the following possibilities if the Customer is unable to connect the foreign exchange account to the debit card:

• The Customer's debit card type cannot be linked to the account type of the Multicurrency Savings. Customers can request a new debit card through Livin' by Mandiri or Bank Mandiri branches.  

• The quota of the account connected to the Customer's debit card has reached the maximum amount. Customers can set up a connected account at Livin' by Mandiri on the Card Control Menu.  

• The Customer's debit card is linked to an account with a status other than active and new today. Customers can set up a connected account at Livin' by Mandiri on the Card Control Menu. 

   

It is possible for the Customer to connect the foreign exchange account to a debit card that cannot be used for foreign transactions (Debit GPN). If the Customer wishes to activate foreign transactions for foreign exchange accounts, the Customer can connect the foreign exchange account to the VISA card. 

To be directly directed to the Multicurrency Savings Detail Products page, the Customer must have installed Livin' before. After scanning the QR or clicking the referral link, the Customer needs to log in to Livin' (if not logged in) and will be directed to the Multicurrency Savings Detail Products page. 

Make sure the customer's internet connection is stable so that  the  value of the referral code or branch code on the QR and link can be carried away.