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October-December 2025 Edition

WHAT'S NEW?

FEATURE HIGHLIGHT

PROMO HIGHLIGHT

TIPS & TRICK

ARTICLE

ASK THE EXPERT

What's New on M2U?

Easy to buy MyProtection Simple on M2U ID App

More ease to buy life insurance products from Allianz, My Protection simple via M2U ID App to complete your life protection.

Regular premiums start from IDR100.000/month
Can be purchase online anytime, anywhere

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Transaction Convenience Through Partner Applications

Maybank collaborates with selected partner applications to offer a more practical transaction experience, directly from your Maybank Savings Account / iB Savings Account. Simply link your Maybank Savings / iB Savings account to a partner application and enjoy the convenience of transacting directly through the partner app.

Currently, Maybank Indonesia is partnering with Dompet Dhuafa as its first partner for payment transactions related to Zakat, Infaq, Sadaqah, and Waqf, via the Dompet Dhuafa Application.

Benefits you can enjoy:

Simple and practical registration process
No need to top up balance — just link your account and transact directly
Easily manage recurring transactions with the Auto Payment Setting feature
Transactions with a daily limit above IDR 1 million are protected with Secure2u
Your personal and banking data are protected

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Feature Highlight

QR Pay Transactions using Maybank Savings & Credit cards

Payment transactions are now easier & practical with QR Pay. Buy or pay for anything, anywhere simply by scanning QR code at all merchants with the QRIS logo.

Pay with QR Pay on M2U ID App can be use Maybank savings or credit card as the funding source

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Access and download e-Statement via M2U ID App

e-Statement is a financial transaction report that is available in digital format and can be accessed easily through a smartphone. With e-Statement, you can be more disciplined in managing your finances because all transactions are clearly recorded and can be analysed from month to month. This allows you to adjust your expenses to the amount of income received, so that your financial condition remains stable and avoid overspending.

Advantages of e-Statement Feature in M2U ID App:

Easy access
The previous month's e-Statement can be accessed through the M2U ID App every 10th of the current month, so you can easily view your transaction history.
Environment Friendly
With a digital format, e-Statements reduce the use of paper and support a more environmentally friendly lifestyle.
Interactive
e-Statements accessed through the M2U ID App are available in interactive charts that make it easy to understand and analyse financial transactions.

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Check Your Transaction History more ease with M2U ID App

Monitoring your spending transactions is an important part of maintaining financial stability. With M2U ID App, you can easily search your transaction, from the most recent to the previous up to 3 months. You can also search using alphanumeric keywords or store names to easily find specific transactions.

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Promo Highlight

Get IDR25,000 cashback from Maybank QR Pay transactions via M2U ID App.

Shop or travel more conveniently by paying with QR Pay. Get IDR25.000 cashback with minimum of 4 transactions totalling IDR150.000. Valid for transactions at all merchants with the QRIS logo.

Period until 8 February 2026

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Get a Yamaha NMax from transactions on the M2U ID App!

It's time for earn a chance to win a Yamaha NMax, Travel Voucher IDR25 million, Macbook, SMEG Toaster and cash rewards up to IDR 1 million and many other prizes by making as many transactions as possible on the M2U ID App.

Period Until 30 November 2025

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Get Garmin Smartwatch from M2U ID App/Web and top up upur e-wallet!

Book transportation and shopping online more aease by paying with e-wallet. Top up e-wallet min.3x via M2U ID App/Web per month to get IDR15.000 cashback or making as many transaction as possible to get Garmin Smartwatch and e-voucher Blibli

Period until 31 December 2025

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SEE ALL M2U ID APP PROMOS

Tips & Trick

Preparing Emergency Funds and Investments for the Start of the Year

The start of the year is a crucial time to develop a more mature financial strategy. Two components that shouldn't be overlooked in early-year financial planning are emergency funds and investments. Both serve as a strong financial foundation. Emergency funds maintain stability when unexpected circumstances arise, while investments help achieve long-term financial goals. Here are tips on how to gradually prepare emergency funds and investments:

Allocate funds and create a dedicated savings account.
Prioritize your budget and allocate funds gradually, starting with 10-20% of your monthly income. Separate your emergency funds from your daily transaction accounts. Store your emergency funds in a secure instrument, such as a My Plan/Plan IB savings account. You can save regularly with an auto-debit system, so the funds will automatically be transferred to your savings account.
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Start Investing Small but Consistently
Who says investing always requires large capital? In fact, there are many profitable investment options available today that require minimal capital, making them a great place to start. Investing by saving in gold is a great option. Saving in gold can now be done digitally with Pegadaian Gold Savings on the M2U ID App. You can start saving in gold from as little as IDR 10,000.
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Monitor and Manage Your Financial Portfolio
To maintain your financial stability, you need to monitor your transactions and assets. The 360 Digital Wealth feature in the M2U ID App makes it easy to create various financial plans now, set financial targets based on your personal needs and dreams, and automatically track your progress.

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Article

Financially Wise by Managing Finances in the Palm of Your Hand
By: Ratna Mutiarani (Head CC Product Management, Unsecured lending business)

As we approach the end of 2025, domestic stimulus and consumption are expected to play a crucial role for the remainder of the year and into early next year. Referring to several related articles, the government and Bank Indonesia are likely to continue promoting fiscal and monetary stimulus to maintain economic growth, especially leading up to and following the year-end/holiday season. The demand for consumer goods and services may increase. Along with these stimulus efforts and domestic consumption, interest rates and monetary easing could also help boost household consumption.

Although global volatility could potentially dampen consumer spending, there are still certain segments of the population who will take advantage of the year-end period for travel and to make the most of their available funds for consumption.

To manage your finances effectively—both for your current lifestyle and your future goals—make sure you check off these five key points:

Goals. Always start with financial goals. Define the direction for your finances.
Budgeting. Budget = control. Once you know the direction, make sure there are limits to your spending. At the very least, apply a simple method like the 50/30/20 rule: 50% for necessities, 30% for lifestyle, and 20% for savings & investments.
Protection. Emergency funds & insurance = protection. Without an emergency fund, a single unexpected event can derail all your financial plans. Ideally, have 3–6 months of regular expenses set aside.
Growth. Start investing early for medium- to long-term growth.
Monitoring. Regularly evaluate everything—from your goals, budgeting, protection, to the growth of your investments.

What is rarely discussed but actually just as important is how we ensure Debt Management. If there is an urgent need or a necessary purchase but we can still control our cash flow, borrowing is not necessarily wrong. However, make sure we understand the product first.

Productive Debt is debt used to add asset value, increase income, or generate economic value in the future. Examples include home loans (mortgages), business capital, and education installments—these are things we can use now and will serve as a foundation for the future.
Consumptive Debt is debt used to buy goods/services that depreciate or are consumable and do not generate additional income. For example, pay-later for vacations only, luxury vehicle installments, credit cards for lifestyle expenses despite having a tight salary.
Semi-Productive/Neutral Debt such as wisely using credit cards (for example: paying in full each month, taking advantage of promos, cashback).

Managing debt is not just about paying installments on time. It also involves setting short- and long-term financial strategies. Here are some principles of Healthy Debt Management:

Debt-to-income ratio less than 30% of total monthly income
Choose low interest rates and flexible terms, such as 0% installment plans
Understand the consequences and know the product details: installment scheme, interest, penalties
Don’t dig a hole to cover another hole
Pay on time and of course maintain a good credit score & avoid accumulating penalties

One way to manage debt so it doesn’t disrupt financial stability is by using credit cards wisely. With the M2U ID App (mobile banking), managing Maybank Credit Card transactions becomes easier with various features, including:

Check Maybank Credit Card Information and Copy Card Number — directly via M2U ID App
On the go and want to shop online at an e-commerce site but it’s inconvenient to open your wallet? Now you can see Maybank Credit Card info via the M2U ID App. You can copy & paste the card number directly to the e-commerce site when shopping online. Fast and no need to look for the physical card anymore.
Convert transactions into installments — directly via M2U ID App
Suddenly need to buy a mattress for the house yesterday? Instead of disrupting your cash flow by paying all at once next month, you can convert it into installments immediately. It’s lighter on your budget, and your cash flow stays controlled.
Payment via auto-debit
Make sure you don’t miss your payment due date by using auto-debit or transferring directly from your savings account to your credit card for the billed amount, so payments are made in real time.
Request a temporary or permanent credit limit increase — directly via M2U ID App
Planning a trip in 3 days? Besides earning multiple points by shopping with your Maybank Credit Card and being safer than carrying cash abroad, you can also request a temporary credit limit increase. The process is quick, with a temporary limit increase valid for up to 3 months—enough to manage your cash flow during the holiday.
Change PIN / Reset PIN — directly via M2U ID App
In a hurry to pay but forgot your Credit Card PIN? You can change or reset your PIN through the M2U ID App. No need to call or SMS, no waiting time. The PIN will immediately be updated to what you want.

There are many other credit card management features via the M2U ID App you can use, such as activating a new credit card, blocking your card if lost and replacing it, or requesting cash advances from your remaining credit limit. Everything is easy, practical, and secure. For those who don’t want the hassle of calling or texting, just use the M2U ID App. All expenses are under control. Keep monitoring usage and manage your Maybank Credit Card through the M2U ID App.

Ask the Expert

Managing Finances Smartly at the Beginning of the Year: Save, Spend, or Invest?
By : Johan Harsa (Head, Bancassurance & Investment)

Unnoticed, we have already entered the fourth quarter, and the year 2025 will soon come to an end. As the new year approaches, many people start writing resolutions for the upcoming year. One of the most popular resolutions is, of course, related to finances. The beginning of the year is often considered the perfect moment to rearrange annual plans, evaluate old habits, and set new strategies.

However, the classic question arises: What kind of financial planning should be done at the start of the year? Is it enough just to think about how much money to save?

In fact, managing finances does not stop at saving and investing. Another important part is how we wisely spend money. Many people say, “What’s the point of earning money if you don’t enjoy it?” I agree with that saying — money should indeed be enjoyed, but the way must be smart. How do we maintain a balance between saving, spending, and investing? Let’s discuss.

Setting an Early-Year Budget: The Pillar of Balance
The beginning of the year is the right time to restructure your monthly budget. Imagine your finances as “three big boxes”:
1. Spending Box: daily living needs, lifestyle, and entertainment.
2. Savings Box: emergency funds, short-term savings, or plans for major purchases.
3. Investment Box: financial instruments that can grow money in the long term.
The balance among these three will determine your financial health throughout the year. Too much in the spending box will make your finances fragile, while ignoring the investment box will make your money stagnate.
Saving Is Not Just “Putting Money Aside”
Saving is often considered the simplest way to manage money. But just putting money in a savings account is not enough. Inflation slowly erodes the value of money. Therefore, savings should have a clear purpose, such as holiday funds, children’s education funds, or emergency funds.

In the digital era, we can take advantage of features in the M2U App to manage savings more purposefully. For example, the Pegadaian Gold Savings allows us to save gold little by little with affordable capital. Gold is known as a hedge instrument, so it is suitable to maintain purchasing power in the future.
Investment: The Wealth Growth Engine
If saving is about preserving, then investing is about growing. The beginning of the year is the best time to start investing or evaluate your existing portfolio.

Some investment options easily accessible via the M2U ID App include:
1. Mutual Funds: Suitable for both beginners and experienced investors. Options range from money market mutual funds for the short term to equity mutual funds for long-term growth.
2. Government Securities (SBN): A safe instrument that also contributes to nation-building. By investing in SBN, you not only earn returns but also support Indonesia’s development.
3. Pegadaian Gold: Besides savings, gold can also be a stable diversification investment.
Through the 360 Digital Wealth feature, customers can see and monitor their entire wealth portfolio in one application. Thus, investment decisions become more measured and data-driven.
Shop Wisely: Enjoy Without Overspending
Often, the temptation at the beginning of the year is to shop extravagantly, whether due to year-end bonuses, discounts, or the excitement of welcoming new resolutions. It’s not wrong to enjoy the fruits of your hard work, but limits are necessary.

Use this simple principle:
1. Distinguish between needs and wants. Are the goods/services you buy truly necessary or just impulsive?
2. Apply a “fun money” budget. Set aside a portion of your income for lifestyle spending without guilt.
3. Use shopping as a reward. For example, only buy desired items after reaching your savings/investment goals.
With this mindset, shopping won’t ruin your financial plan but will instead motivate you to stay consistent.
Early-Year Strategy: Prioritize, Don’t Overreach
The key to smart financial management at the start of the year is prioritization. Not all goals need to be achieved at once. For those just starting out, focus on:
1. Building an emergency fund of at least 3–6 months’ expenses.
2. Starting small, regular investments (for example, through mutual funds on the M2U App).
3. Setting realistic annual targets, such as what percentage of income to allocate for investments.

The sooner small steps are taken, the greater the long-term benefits.

The beginning of the year is a valuable moment—not just for writing resolutions but also for realigning your financial direction. Remember that money should be protected (through savings), grown (through investments), and enjoyed (through wise spending).

By utilizing smart features in the M2U ID App such as mutual funds, government securities (SBN), Pegadaian gold savings, and 360 Digital Wealth, we can manage money more easily, transparently, and purposefully.

Ultimately, managing finances is not about choosing between saving, spending, or investing, but about harmonizing all three so life remains balanced, happy, and financially secure in the future.