Tabungan Mestika

Enjoy the simple way of saving

  • Overview
  • Requirements
  • Additional Information

The Benefit

  1. Offers competitive interest rates.
  2. Saving book is provided.
  3. Customer can join Bank Mestika Gempita lottery program:
    • An average monthly balance of Rp 1.000.000,- (one million rupiah) will receive 1 (one) lottery number (applicable in incriments) and have the chance to win Regular Prfize Lottery.
    • An average monthly balance of Rp 500.000.000,- (five hundred million rupiah) will receive an additional 1 (one) lottery number (applicable in incriments) and have the opportunity to win the Grand Prize Lottery.
  4. The ATM card is provided.
  5. Customer can do transaction by using, Mobile Banking and Internet Banking facility.
  6. Customer can do transaction at the whole Bank Mestika Offices.
  7. Auto Debit Biller and Bank Mestika Virtual Account facilities are available.
  8. Overdraft Safe Guard (OD Safe Guard) and Sweep are available.

Term and Conditions:

  1. Customer shall present the original valid identification documents, as follows:
    • For Indonesian citizens (WNI), an E-KTP.
    • For Foreign nationals (WNA), a KTP/KITAP/KITAS and a Valid Passport.
  2. Submit the Taxpayer Identification Number (NPWP) for photocopying. If the Customer do not yet have an NPWP and have not completed the data matching process, the Customer are required to sign a declaration letter with sufficient stamp duty.
  3. Customer shall complete an Account Opening Form and Personal Data Form.
  4. Customer shall have a minimum beginning balance of RP100,000,-.
  5. Customer shall have a minimum balance of Rp25,000,-.
  6. Customer shall have a minimum balance of Rp1,000,000,- for OD Safe Guard and Sweep.
  7. Account closure must be carried out in person in the presence of a Bank Mestika Customer Service Officer and at the branch where the account was originally opened.
  8. Customer shall show the original savings book and ID Card must be presented when making a withdrawal.
  9. Withdrawals by non-client shall be accompanied by the power of attorney with sufficient stamps.
  10. Transactions can be carried out at any time in accordance with the Bank’s operating service hours.
  11. The interest rates are calculated at the end of the month and credited to the savings account at the beginning of the following month.
  12. Income Tax on interest shall be imposed in accordance with the prevailing government regulations.
  13. Transactions which are not printed onto the savings book for 3 (three) consecutive months shall be cumulated into 1 (one) debit/credit transaction.
  14. In case of discrepancies between the balance in the savings book and in the bank’s bookkeeping, the balance shall refer to that in the bank’s bookkeeping.
  15. If the client passes away, the release of the savings by the heir shall conform to the prevailing laws.

Overview of Product and Service (General) Tabungan Mestika Download Here

Product Risk

  1. In case of the loss of the savings book:
    • Customer shall close the account at the bank where the opening has been done;
    • Customer shall sign a loss declaration with sufficient stamps;
    • Customer shall open a new account savings if necessary.
  2. The account balance shall be deducted if the interest is unable to cover the administration fee.
  3. An account that has no activity, such as balance checks, deposits, or withdrawals, for more than 1800 consecutive days will have its status changed to dormant on the 1801st day.
  4. An account with a zero balance for 30 consecutive calendar days will be automatically closed by the Bank Mestika system
  5. The Bank has the rights to block a Bank account anytime based on its discretion considering any inappropriate use of the account.

    6. Fees
    1. Monthly administration fee is Rp5.000, - per month
    2. ATM Card administration fee Rp4,000,- per month
    3. Inactive administration fee Rp0,-
    4. Dormant administration fee Rp10.000,- per month ( the average monthly balance less than Rp500,000,- )
    5. OD Safe Guard / Sweep fee is Rp1.000,- per day.
    6. Cumulative transaction printout Rp5.000, - per page
    7. Account closure fee is Rp20.000, -
    8. Interbank transfer fee via Bank Mestika CRM, ATM Bersama & Prima failed due to insufficient balance Rp4.000,- /transaction.
    9. Cash withdrawal via the ATM Bersama & Prima network failed Rp4.000,-/transaction.

    For more information call us MestikaCall 14083 or visit our nearest branch.