Advantages of Trading Foreign Exchange via the M2U ID App

20 January 2026

Amidst the rapid development of global transactions, the need for foreign exchange (forex) services has also increased significantly. People now increasingly save or prepare funds in foreign currencies, both for personal and business purposes, ranging from saving for their children's education abroad, traveling, shopping on international platforms, to asset diversification. Therefore, access to forex services that are easy, fast, practical, and have competitive exchange rates has become a very important necessity.

The digitization of financial services has changed the way people manage their funds in foreign currencies. Various activities that previously required visits to branch offices or money changers can now be done in real time via smartphones, including foreign exchange transactions. The need for foreign exchange is not only felt by businesses, but also by individuals who want to prepare funds for personal needs or as an alternative investment in foreign currencies.

Here are some of the main advantages of foreign exchange trading:

1. Asset value protection

   By keeping funds in foreign currencies, you can maintain purchasing power and protect assets from Rupiah fluctuations due to inflation or global economic changes.

2. Potential profits from exchange rate differences

   With competitive rates when buying and selling foreign exchange, you can take advantage of currency movements to increase the value of your savings.

3. Asset diversification

   Holding foreign currency in your own account is an effective way to expand your portfolio and manage financial risk.

4. Saving funds for future needs

   It facilitates financial planning for future needs, such as travel, children's education, or other personal needs in foreign currency, without having to worry about conversion costs.

Ease of Foreign Exchange Trading via the M2U ID App

The ease of transactions is one of the things that makes the foreign exchange feature on the M2U ID App, Maybank Indonesia's mobile banking app, even more attractive. Customers no longer need to visit a branch office or contact the bank manually. All processes can be done online in a few simple steps through the M2U ID App.

After entering the foreign exchange transaction menu, customers can select the currency they want to buy or sell, then instantly confirm the transaction. This service gives customers the flexibility to monitor exchange rate movements and make transactions at the right time, without being limited by the bank's operating hours. Transactions are made directly from your own account through the M2U ID App, so you can manage when to buy or sell foreign exchange.membeli atau menjual valas.

With a simple, fast, and digital process, you can buy and sell foreign exchange directly in your own account according to your individual financial needs and strategies. This flexibility makes it easy for you to take advantage of exchange rate movements at the right time, whether for routine needs or foreign currency fund planning.

What are the advantages of foreign exchange transactions via the M2U ID App?

There are several main advantages to conducting foreign exchange transactions through the M2U ID App, such as:

1. Competitive Rates

   One of the main advantages of trading foreign exchange on the M2U ID App is its competitive rates. Customers can enjoy better exchange rates than many other services, making transactions more efficient and profitable.

2. 24/7 Transactions Anytime, Anywhere

   Foreign exchange transactions can be needed at any time. M2U ID App. Enjoy 24/7 online transfers between your own accounts at Maybank.

3. Foreign exchange transactions of up to more than USD 100,000

   The M2U ID App supports transactions with a nominal value exceeding the equivalent of USD 100,000, with the requirement to upload supporting/underlying documents. The process of uploading underlying documents can be done on working days during operating hours from 08.00-14.00 WIB. Underlying documents that must be attached include invoices, photocopies of Import Goods Notification (PIB), sales agreements/contracts, letters of credit (L/C), sales and purchase transaction invoices, or other supporting documents. This applies specifically to foreign exchange transfers between your own accounts.

   Terms and conditions for transactions requiring underlying documents:

   No	Transaction Type	Transaction Amount
   1	IDR to Foreign Currency Transactions	More than the equivalent of USD 100,000 per month.
   2	Foreign Currency to Foreign Currency Transactions	More than the equivalent of USD 100,000 per transaction.
   3	IDR to LCS (Local Currency Settlement) Transactions	More than the equivalent of USD 500,000 per transaction.

   With these clear terms and conditions, customers can plan their foreign exchange transactions according to their needs without worrying about restrictions. The entire process is conducted transparently and in accordance with regulatory requirements.

4. No transaction fees

   The M2U ID App makes it easy to conduct transactions without incurring transaction fees for buying and selling between your own accounts. This allows you to buy and sell foreign exchange efficiently, without additional fees that reduce the value of your transactions.

5. Get Special Rates for Maybank Privilege & Premier Customers

   For Maybank Privilege & Premier customers, Maybank Indonesia provides additional benefits in the form of Special Rates. These special rates can make foreign exchange transactions more efficient and profitable.

   To get the best offers, customers can contact their Relationship Manager (RM), who will help tailor transaction needs according to their profile and financial goals. With this exclusive access, Maybank Privilege & Premier customers can enjoy greater added value in every foreign exchange transaction.

With the various advantages offered, foreign exchange transactions through the M2U ID App can be done easily, practically, and conveniently. Experience maximum convenience when conducting foreign exchange transactions on the M2U ID App now!