Bonus Interest /Indicative Return Rate for Maybank MAKSI/MAKSI iB Savings Account

Make Every Transaction More Rewarding

Get started by downloading the M2U ID app from the Play Store or App Store, opening a Maybank Global Access/Global Access iB Savings Account, and placing and maintaining a minimum balance of IDR50,000,999 (also applicable to activities/purchases of Shariah-compliant products). Then, complete various financial transactions according to your needs. This program also applies to Maybank MAKSI/MAKSI iB Savings Account. The more transaction activities you complete, the greater your potential rewards, with additional interest/indicative rate of return up to 9.99%.

For Maybank iB Savings Accounts, enjoy an additional benefit of a contribution fee waiver for Shariah insurance coverage:

Maybank MAKSI iB Savings Account: Personal accident coverage of up to IDR2 billion
Maybank Global Access iB Savings Account: Natural death life insurance coverage of up to IDR200 million, and personal accident coverage of up to IDR2 billion

Program enrollment period: 6 August 2026 - 31 December 2026
Transaction activity period: Until 31 May 2027

Follow These Steps

Step 1

Open a Maybank Global Access/Global Access iB Savings Account through the M2U ID App, or open a Maybank MAKSI/MAKSI iB Savings Account by visiting a Maybank branch. A minimum fund placement of IDR50,000,999 is required.

Maybank Global Access/Global Access iB Savings Account Information

CLICK HERE

Maybank MAKSI/MAKSI iB Savings Account Information

CLICK HERE

M2U ID App Information

CLICK HERE

If you are not yet a Maybank customer, make sure to open a Maybank Global Access/Global Access iB Savings Account or Maybank MAKSI/MAKSI iB Savings Account to be eligible for interest/indicative rate of return up to 9.99%.

The funds must be fresh fund, defined as funds received through an incoming transfer from another bank or a cash deposit. Funds transferred between Maybank accounts are not considered fresh funds.

Step 2

Complete financial transaction activities from each available category to meet your financial needs from saving and investing to insurance and monthly transactions throughout the program period.

The more transactions you complete, the greater your potential rewards.

Complete financial transactions every month throughout the program period. The more transactions you complete, the greater your potential rewards.

Category	Activity	Activity Detail	Minimum Placement Fund/Transaction Amount
Required Activity
Save	Mandatory	Maintain a minimum average balance every month of IDR50 million in a Maybank Global Access/Global Access iB/MAKSI/MAKSI iB Savings Account.	Min. IDR50 million
Choose Financial Transaction Activities That Suit Your Needs
Save	1	Increase the balance through additional funds and balance growth of at least IDR10 million in the Maybank MAKSI/MAKSI iB Savings Account. Balance growth will be calculated only for the account registered in the program. The balance growth will be calculated by comparing the current month's balance with the balance at the end of the previous month, excluding blocked or held funds. The balance growth in the participating account must reflect an overall increase in the customer's total funds under management or Total Relationship Balance (TRB).	Min. IDR10 million
Invest	2	Purchase Mutual Funds/Mutual Funds Shariah bonds/Sukuk and/or gold savings with a minimum value of IDR5 million or its equivalent. Money market mutual funds are not eligible. Both primary-market and secondary-market bonds are eligible. Mutual Fund Information CLICK HERE Mutual Funds Shariah Information CLICK HERE Bond Information CLICK HERE Sukuk Information CLICK HERE Gold Savings Information CLICK HERE	Min. IDR5 million or equivalent
	3	Foreign Exchange (FX) Transactions via the M2U ID App (mobile banking) or M2U ID Web (internet banking). FX transactions must be conducted using an IDR-denominated source account. The value of the foreign currency purchase will be calculated based on its IDR-equivalent amount at the time of purchase. Foreign Currency Transfer Information CLICK HERE	Min. IDR5 million
	4	Activate a U Goal Saver account/set up a recurring mutual fund investment (RIKA)/Mutual Funds Shariah/participate in the Maybank GIFT program via the M2U ID App, with a minimum monthly deposit of IDR5 million. 1. U Goal Saver Account Activate a U Goal Saver/U Goal Saver iB account with a minimum monthly deposit of IDR5 million. The monthly deposit amount and saving period may be adjusted to suit the customer's needs. Information CLICK HERE Activation Guide CLICK HERE 2. RIKA (Reksa Dana Berkala) Make mutual fund purchases through the M2U ID App for a minimum period of three months. Money market mutual funds are not eligible. Maybank Mutual Fund Information CLICK HERE Mutual Funds Shariah Information CLICK HERE 3. Maybank Gift via M2U ID App Join the Maybank GIFT program by making regular savings deposits into a Maybank MyPlan Plus/MyPlan Plus iB Savings Account through the M2U ID App. With a minimum monthly deposit of IDR5 million, you can receive an instant gift of your choice, delivered directly to your home. The monthly deposit amount and saving period can be adjusted to suit your needs. Information CLICK HERE	Make a monthly deposit or purchase of at least IDR5 million
	5	Open a Maybank RDN/RDN iB Savings Account with increasing your funds and achieving balance growth. Balance growth is calculated by comparing the current month's balance with the balance at the end of the previous month, excluding blocked or held funds. The balance growth must reflect an overall increase in the customer's total funds under management or Total Relationship Balance (TRB). The Maybank RDN Savings Account is used to hold funds for stock investments and offers interest/indicative rate of return up to 4.50% p.a. p.a=per annum/per year Information CLICK HERE	Min. IDR5 million
Insure	6	Purchase an insurance/Shariah Insurance/bancassurance product. This applies to the purchase of bancassurance products/Shariah bancassurance, excluding Traditional Bancassurance products. Traditional Bancassurance products are insurance products that do not provide investment benefits. CLICK HERE	Min. IDR5 million
Insure	7	Purchase eTiqa 360 Travel Insurance. 360 Travel Insurance Information CLICK HERE	Min. IDR1 million
Spend	8	Complete at least three transactions using a Maybank Debit Card at offline or online merchants.	At least three transactions per month, with a cumulative value of IDR500,000
Spend	9	Complete at least three payment/purchase/QR Pay transactions through the M2U ID App (mobile banking). Bill payments, including payments for other banks' credit cards, electricity, water, telephone, and cable TV. Purchase mobile data packages, phone credit, and electricity tokens. QRIS transactions via the M2U ID App at merchants in Indonesia and overseas. M2U ID App Information CLICK HERE	At least three transactions per month, with a cumulative value of IDR500,000

Maximize Your Rewards

Complete your financial transaction activities each month during the program period to receive bonus interest/profit sharing in Month 1 and Month 6. You can also earn additional interest/additional return every month, calculated as follows:

Month 1 and Month 6: Use Maybank Global Access/Global Access iB Savings Account

Complete the Financial Transaction Activities	Monthly Interest/Indicative rate of return on Maybank Savings	Additional Monthly Interest/Indicative Extra Rate of Return	Bonus Interest/Indicative Extra Rate of Return in Months 1 and 6 Only	Total Monthly Interest/Total Indicative Extra Rate of Return	Extra Benefit
Complete the Required Activity	0.50%	1.50%	-	2.00%	Additional Personal Accident insurance protection benefit of up to IDR2 billion & natural death up to IDR200 million with Maybank Global Access iB Savings Account.
Complete the Required Activity + 1 Financial Transaction Activity	0.50%	3.50%	2.49%	6.49%
Complete the Required Activity + 2 Financial Transaction Activity	0.50%	4.50%	2.49%	7.49%
Complete the Required Activity + 4 Financial Transaction Activity	0.50%	7.00%	2.49%	9.99%

Month 1 and Month 6: Use Maybank MAKSI/MAKSI iB Savings Account with a fund placement of IDR50,000,999.

Complete the Financial Transaction Activities	Monthly Interest/Indicative rate of return on Maybank Savings	Additional Monthly Interest/Indicative Extra Rate of Return	Bonus Interest/Indicative Extra Rate of Return in Months 1 and 6 Only	Total Monthly Interest/Total Indicative Extra Rate of Return	Extra Benefit
Complete the Required Activity	0,10%	1,50%	-	1,60%	Additional Personal Accident insurance protection benefit of up to IDR2 billion with Maybank MAKSI iB Savings Account
Complete the Required Activity + 1 Financial Transaction Activity	0,10%	3,50%	2,49%	6,09%
Complete the Required Activity + 2 Financial Transaction Activity	0,10%	4,50%	2,49%	7,09%
Complete the Required Activity + 4 Financial Transaction Activity	0,10%	7,00%	2,49%	9,59%

Notes:
*The interest/profit-sharing rates shown in the table above apply to fund placements of more than IDR10 million up to IDR100 million.
For Maybank MAKSI/MAKSI iB, Savings Account the interest/profit-sharing rates are calculated based on the Customer's ending balance.
Interest Rate/return Information for Global Access/Global Access iB/MAKSI/MAKSI iB Savings Accounts

CLICK HERE

To earn the bonus interest/indicative rate of return in Month 1, customers who maintain a minimum average balance of IDR 50 million must complete at least two financial transaction activities within the same month. Eligible customers will receive a bonus interest/indicative rate of return rate of 2.49% p.a.
Customers can also earn the bonus interest/indicative extra rate of return in Month 6 by completing at least two financial transaction activities every month for six consecutive months, receiving a bonus interest/indicative extra rate of return 2.49% p.a.

Month 2 to Month 5: Use Maybank Global Access/Global Access iB Savings Account

Complete the Financial Transaction Activities	Monthly Interest/Indicative rate of Return on Maybank Savings	Additional Monthly Interest/Indicative extra rate of Return	Bonus Interest/Indicative Extra Rate of Return in Months 1 and 6 Only	Total Monthly Interest/Total Indicative Extra Rate Return	Extra Benefit
Complete the Required Activity	0.50%	1.50%	-	2.00%	Additional Personal Accident insurance protection benefit of up to IDR2 billion & natural death up to IDR200 million with Maybank Global Access iB Savings Account.
Complete the Required Activity + 1 Financial Transaction Activity	0.50%	3.50%	-	4.00%
Complete the Required Activity + 2 Financial Transaction Activity	0.50%	4.50%	-	5.00%
Complete the Required Activity + 4 Financial Transaction Activity	0.50%	7.00%	-	7.50%

Month 2 to Month 5: Use Maybank MAKSI/MAKSI iB Savings Account with a fund placement of IDR50,000,999.

Complete the Financial Transaction Activities	Monthly Interest/Indicative rate of Return on Maybank Savings	Additional Monthly Interest/Indicative extra rate of Return	Bonus Interest/Indicative Extra Rate of Return in Months 1 and 6 Only	Total Monthly Interest/Total Indicative Extra Rate Return	Extra Benefit
Complete the Required Activity	0,10%	1,50%	-	1,60%	Additional Personal Accident insurance protection benefit of up to IDR2 billion with Maybank MAKSI IB Savings Account.
Complete the Required Activity + 1 Financial Transaction Activity	0,10%	3,50%	-	3,60%
Complete the Required Activity + 2 Financial Transaction Activity	0,10%	4,50%	-	4,60%
Complete the Required Activity + 4 Financial Transaction Activity	0,10%	7,00%	-	7,10%

Notes:
*The interest/profit-sharing rates shown in the table above apply to fund placements of more than IDR10 million up to IDR100 million.
For Maybank MAKSI/MAKSI iB, Savings Account the interest/profit-sharing rates are calculated based on the Customer's ending balance.
Interest Rate/return information for Global Access/Global Access iB/MAKSI/MAKSI iB Savings Accounts

CLICK HERE

The additional and bonus interest/profit sharing will be calculated only on the monthly average balance, up to a maximum of IDR1 billion. Any portion of the monthly average balance exceeding this maximum limit will not be included in the calculation of the additional and bonus interest/profit sharing.

General Terms and Conditions:

This program is not applicable to Maybank Premier Customers.
Each activity type that meets the minimum fund placement and/or transaction value requirements stipulated in the program will count as one (1) activity only. Multiple transactions of the same activity type will not be counted cumulatively.
The additional and bonus interest/profit sharing will be awarded once per month to eligible customers in the form of savings interest/profit sharing. The amount will be credited to the customer's account after all program requirements and terms have been fulfilled, in accordance with the applicable mechanisms, schedule, and procedures.
Customers will continue to receive the applicable interest rate/profit-sharing as stipulated.
The rewards are provided by Maybank from its own funds and do not form part of the Customer's profit-sharing.
PT Bank Maybank Indonesia Tbk reserves the right to amend, remove, or add to the terms and conditions of this promotional program at any time. Any changes and/or updates to the program's terms and conditions will be announced on Maybank's official website at www.maybank.co.id .
PT Bank Maybank Indonesia Tbk reserves the right, at its sole discretion, to disqualify customers from this program if any indication or evidence of fraud, violation of applicable laws and regulations, and/or other intentional manipulative actions is discovered in connection with participation in the program.

Program Illustration

Customer A Illustration

Month	Activity	Interest/Indicative Return Reward Calculation p.a = per annum/per year
August 2026	Maintain an average balance of Maybank Savings Account of IDR50 million throughout August 2026. Purchase IDR5 million worth of bonds/sukuk on 26 August 2026.	Maybank Savings interest/indicative rate of return: 0.50% p.a. Bonus interest/profit sharing for Month 1 (August 2026): 2.49% p.a. Additional interest/indicative rate of return for completing the required activity plus one optional activity in August 2026: 3.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 6.49% p.a. The interest/return will be credited in the fourth week of September 2026.
September 2026	Maintain an average balance of Maybank Savings Account of IDR50 million throughout September 2026. Complete 3 QRIS transactions with a cumulative transaction value of IDR1 million on 12 September 2026.	Maybank Savings interest/indicative rate of return 0.50% p.a. Additional interest/indicative rate of return for completing the required activity plus one optional activity in September 2026: 3.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 4.00% p.a. The interest/return will be credited in the fourth week of October 2026.
October 2026	Maintain an average balance of Maybank Savings Account of IDR100 million throughout October 2026. Complete 3 QRIS transactions with a cumulative transaction value of IDR1 million on October 2026. Complete 5 debit card transactions with a cumulative transaction value of IDR500,000 on October 2026.	Maybank Savings interest/indicative rate of return 0.50% p.a. Additional interest/indicative rate of return for completing the required activity plus two optional activity in October 2026: 4.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 5.00% p.a. The interest/return will be credited in the fourth week of November 2026.
November 2026	Maintain an average balance of Maybank Savings Account of IDR100 million throughout November 2026. Complete 3 QRIS transactions with a cumulative transaction value of IDR500,000 on November 2026. Open a Maybank MyPlan Plus Savings Account (MPP) with a monthly deposit of IDR5 million on 17 November 2026.	Maybank Savings interest/indicative rate of return 0.50% p.a. Additional interest/indicative rate of return for completing the required activity plus two optional activities in November 2026: 4.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 5.00% p.a. The interest/return will be credited in the fourth week of December 2026.
December 2026	Maintain an average balance of Maybank Savings Account of IDR100 million throughout December 2026. Purchase IDR6 million worth of mutual funds/mutual funds Shariah through the M2U ID app on 10 December 2026. Complete the scheduled monthly IDR5 million contribution to the existing Maybank MyPlan Plus Savings Account through automatic debit on 17 December 2026. Purchase Etiqa 360 Travel Insurance for IDR3 million on 25 December 2026.	Maybank Savings interest/indicative rate of return: 0.50% p.a. Additional interest/indicative rate of return for completing the required activity plus three optional activities in December 2026: 4.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 5.00% p.a. The interest/return will be credited in the fourth week of January 2027.
January 2027	Maintain an average balance of Maybank Savings Account of IDR100 million throughout January 2027. Complete the scheduled monthly IDR5 million contribution to the existing Maybank MyPlan Plus Savings Account through automatic debit on 17 January 2027. Complete 3 QRIS transactions with a cumulative transaction value of IDR500,000 on January 2027. Complete three transactions using a Maybank Debit Card with a cumulative transaction value of IDR500,000 during January 2027. Purchase IDR10 million worth of bonds on 27 January 2027.	Maybank Savings interest/indicative rate of return: 0.50% p.a. Additional interest/indicative rate of return for completing the required activity plus four optional activities in January 2027: 7.00% p.a. Month 6 bonus interest/indicative rate of return for completing at least two activities each month over the past six consecutive months: 2.49% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 9.99% p.a. The interest/return will be credited in the fourth week of February 2027.

Customer B Illustration

Month	Activity	Interest/Indicative Return Reward Calculation p.a = per annum/per year
November 2026	Maintain an average balance of Maybank Savings Account of IDR50 million throughout November 2026.	Maybank Savings interest/indicative rate of return: 0.50% p.a. Additional interest/indicative rate of return for completing the required activity in November 2026: 1.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 2.00% p.a. The customer is not eligible to receive the Month 1 bonus interest/indicative rate of return because they did not complete at least one optional activity. The interest/return will be credited in the fourth week of December 2026.
December 2026	Maintain an average balance of Maybank Savings Account of IDR50 million throughout December 2026. Complete 3 QRIS transactions with a cumulative transaction value of IDR1 million on December 2026.	Maybank Savings interest/indicative rate of return: 0.20% p.a. Additional interest/indicative rate of return for completing the required activity plus one optional activity in December 2026: 3.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 4.00% p.a. The interest/indicative return will be credited in the fourth week of January 2027.
January 2027	Maintain an average balance of Maybank Savings Account of IDR50 million throughout January 2027.	Maybank Savings interest/indicative rate of return: 0.50% p.a. Additional interest/indicative rate of return for completing the required activity in January 2027: 1.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 2.00% p.a. The interest/return will be credited in the fourth week of February 2027.
February 2027	Maintain an average balance of Maybank Savings Account of IDR48 million throughout February 2027. Complete 3 QRIS transactions with a cumulative transaction value of IDR500,000 on February 2027. Purchase Etiqa 360 Travel Insurance for IDR5 million on 15 February 2027.	Maybank Savings interest/indicative rate of return 0.50% p.a. The customer is not eligible to receive the bonus interest/profit sharing because they failed to maintain a minimum average balance of IDR50 million throughout February 2027. The interest/return will be credited in the fourth week of March 2027.
March 2027	Maintain an average balance of Maybank Savings Account of IDR50 million throughout March 2027.	Maybank Savings interest/indicative rate of return: 0.50% p.a. Additional interest/indicative rate of return for completing the required activity in March 2027: 1.50% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 2.00% p.a. The interest/return will be credited in the fourth week of April 2027.
April 2027	Maintain an average balance of Maybank Savings Account of IDR50 million throughout April 2027. Complete 3 QRIS transactions with a cumulative transaction value of IDR500,000 on April 2027. Complete 3 debit card transactions with a cumulative transaction value of IDR500,000 on April 2027. Purchase IDR10 million worth of bonds/Sukuk on 27 April 2027. Purchase IDR10 million worth of non-traditional bancassurance on 19 April 2027.	Maybank Savings interest/indicative rate of return: 0.50% p.a. Additional interest/indicative rate of return for completing the required activity plus four optional activities in April 2027: 7.00% p.a. The customer is eligible to receive a total interest/indicative rate of return rate of 7.50% p.a. The customer is not eligible to receive the Month 6 bonus interest/extra rate return because they did not complete at least two activities every month for six consecutive months. The interest/return will be credited in the fourth week of May 2027.

Make Every Transaction More Rewarding

Follow These Steps

Step 1

Step 2

Maximize Your Rewards

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