Easy Way to Get a Bank Reference Letter via the M2U ID App for Your International Travel Needs

28 November 2025

Traveling abroad for vacation, school, or business requires complete documentation. One important document that is often requested by embassies or immigration agencies is a bank reference letter. This document serves as proof that you are an active customer with a good financial track record.

What is a Bank Reference Letter?

A bank reference letter is an official document issued by a banking institution to confirm the customer's relationship with the bank. This document contains important information such as:

• Account ownership status
• Length of time as a customer
• Average balance or relevant account data
• Customer identity

This reference letter is usually used for various purposes, such as:

• Applying for a visa for study, work, or vacation
• Opening an account abroad
• Enrolling in a school or university abroad
• International business processes, for example, to demonstrate financial stability

With a reference letter, foreign agencies can be assured that visa applicants or business clients have a healthy and reliable financial track record.

Why is a Bank Reference Letter Important for Visa Applications?

There are several reasons why embassies, consulates, or immigration agencies pay close attention to bank reference letters in the visa application process:

1.   Financial Verification

A reference letter provides evidence that the visa applicant not only has an account, but is also financially active and reliable. This is important to assure immigration officials that the applicant has sufficient funds to cover living expenses while in the destination country.

2.   Security for Visa Issuers

With a reference letter, the embassy can assess whether you are a long-term customer, not a new customer who may have opened an account solely for the purpose of applying for a visa.

3.   Data Integrity

A reference letter issued by a bank provides more credibility than simply attaching personal financial reports or other evidence. Banks are verified neutral parties.

4.   Administrative Convenience

Under certain conditions, a reference letter can be used as a substitute for other documents such as pay slips or bank statements, if the visa authority requires official financial evidence.

For the reasons above, bank reference letters are one of the most crucial documents in the visa application process, especially for countries with strict financial requirements.

With the development of technology, customers no longer have to visit a branch office to obtain a bank reference letter. Through the M2U ID App, Maybank Indonesia's mobile banking application, customers can easily and conveniently obtain bank reference letters for visa applications or educational applications.

How to Apply for a Bank Reference Letter via the M2U ID App

One of the features of the M2U ID App is the Bank Reference Letter application, which allows customers to request this document at their fingertips. Here is a complete guide that you can follow:

1. Log in to the M2U ID App.
2. On the account screen, select the menu icon in the upper left corner.
3. Select “Branch Transactions.”
4. Select “Bank Reference Letter.”
5. Read the information, then click “Continue” to proceed.
6. Click “Continue” if the email is correct, or click “Not Correct” if you want to update the data.
7. Select the purpose of the Bank Reference Letter, namely “Visa Application” or “Education Application Introduction”, fill in the required data, then click ‘Continue’
8. Double-check the application details. Select the account number to be displayed on the Bank Reference Letter. Click “Preview” if you want to see a draft of the reference letter. If everything is correct, click “Confirm”
9. Enter your Secure2u passcode
10. Your Bank Reference Letter application has been successful. Download the reference letter directly from the M2U ID App or from the password-protected document sent to your email registered in the Maybank system.

Tips for a Smooth Visa Process with Financial Documents

To make your financial documents stronger and more convincing when applying for a visa, here are some practical tips:

• Use an Active Account

  Make sure the account shown on the bank reference letter is active and frequently used. If the account is rarely used, the data may not represent your financial profile well.

• Carefully Check the Reference Letter Draft

  When requesting a reference letter via the M2U ID App, always check the preview/draft before confirming. Ensure that information such as your name, passport number, account number, and purpose (visa) is correct.

• Store Safely

  After downloading the document, store it in a safe place, such as a special folder on your phone or computer, and make a backup copy.

• Use Your Official Bank Email

  The Bank Reference Letter will be sent to the email registered in the Maybank system. Update your data regularly to ensure that important documents and information can be received properly.

• Complete Other Documents

  In addition to the bank reference letter, prepare other documents, such as e-statements, that may be required for visas, passports, application forms, ticket receipts, insurance, and others.

Get a bank reference letter easily and conveniently through the M2U ID App. Download M2U ID now and experience various features that can simplify your financial transactions!