How To Transact Foreign Currency

1A

Login to the M2U ID App, click the top left icon on your account screen, select Foreign Exchange Rates (to view the updated rates).

1B

Tap the yellow round button with three dots.

1C

After the Transfer menu appears, select the option “Other banks via SWIFT”

2

Select the source account you want to use for the transaction.

3

Select ‘Destination Bank’

step 3

4

Select ‘Currency’

5

Enter the amount and recipient information.

Check the box at the bottom if making a foreign currency transfer of no more than USD 100,000 or equivalent per month per Customer, then click Continue."

6

Enter the transaction purpose and type of underlying document*. If the foreign currency transfer does not exceed USD 100,000, select “Without Underlying”

An underlying document is required:
1.If the total foreign currency transaction amount will exceed the equivalent of USD 100,000 per month
2. For IDR-CNY transfers of any amount, to any bank located in or having branches in Mainland China."

7

Complete the Foreign Exchange Traffic (LLD) form.

Filling out the LLD form is required if the foreign currency transaction amount exceeds the equivalent of USD 10,000.

8

Make sure all the information is correct and click confirm.

9

Enter the Secure2u passcode.

10

The foreign currency transfer has been successfully processed.

FX Conversion – Special Rate Access for Premier & Privilege Customers

Enjoy seamless foreign currency buy/sell transactions directly via the M2U ID App. Get more competitive exchange rates with your special rate exclusively for Premier & Privilege Customers.

Contact your Relationship Manager (RM) or Personal Financial Advisor (PFA).

Guide to foreign currency transactions with special rate.

1

Login to M2U ID App and select 'Transfer'

2

Select ‘Own Account’

3

Choose the Source Account

4

Choose the Destination Account

5

Enter the transaction amount. The equivalent amount will be displayed automatically

6

Enter the code from your RM/PFA in the ‘Special Rate ID’ field

7

The transaction amount will auto-fill and be locked. Tap ‘Proceed’

8

Review the transaction details and tap ‘Confirm’

9

Enter your Secure2u passcode

10

Your transaction with the special rate is successful. Tap Done to complete the transaction

FX transactions between own accounts within applicable regulatory limits*

Foreign exchange transactions between own accounts within the applicable regulatory limits* do not require additional documentation. Simply follow the standard process for transfers between your own accounts.

1

Login to M2U ID App, then select ‘Transfer’

2

Tap ‘Own Account’

3

Select the Source Account

4

Select the Destination Account

5

Enter the transaction amount. The equivalent amount will be displayed automatically

6

Click Process

7

Verify the transaction details, then click ‘Confirm’

The rate timer is valid for 20 seconds. Click ‘Confirm’ before the timer expires to lock in the rate

8

Enter your Secure2u passcode

9

Transaction successful

FX transactions between own accounts exceeding applicable limits*

Foreign exchange transactions between own accounts exceeding applicable limits* require underlying documents (such as Invoices, Copy of Import Declaration (PIB), Sales Agreement/Contract, Letter of Credit (L/C), Commercial Invoices, or other supporting documents.

1

Login to M2U ID App, then select ‘Transfer’

2

Tap ‘Own Account’

3

Select the Source Account

4

Then select the Destination Account

5

Enter the transaction amount. The equivalent amount will be displayed automatically

6

Click Process

7

Transactions exceeding applicable limits* require underlying documents. Please prepare the supporting documents, than tap ‘Continue’

8A

Fill in sender email, transaction purpose, and document type

8B

Tap ‘Add Document’ to upload a file

8C

Select the file type to upload: camera, photo, or document

8D

To add another document, tap ‘Add Document’. To replace a file, tap the trash icon and re-upload. Once everything is correct, tap ‘Proceed’

9

Verify the transaction details, then click ‘Confirm’.

The rate timer is valid for 20 seconds. Click ‘Confirm’ before the timer expires to lock in the rate

10

Enter your Secure2u passcode

11

Transaction successful

FX Transactions Exceeding Applicable Limits for Foreign Nationals*

Foreign exchange transactions exceeding applicable limits* specifically for Foreign Nationals (WNA) or cross-currency transactions require completing the Foreign Exchange Traffic (LLD) Form in accordance with Bank Indonesia regulations.

1

Login to M2U ID App, then select ‘Transfer’

2

Tap ‘Own Account’

3

Select the Source Account

4

Then select the Destination Account

5

Enter the transaction amount. The equivalent amount will be displayed automatically

6

Click Process

7

If the transaction is made by a foreign citizen (WNA), and the transaction amount exceeds applicable limits*, fill out the Foreign Exchange Transaction Form (LLD):

Sender Status: Select “Sender is Receiver”
Select Receiver Citizenship
Receiver Category: Select “Individual”
Relationship with Sender: Select “Non-Affiliated”
Select Transaction Purpose Category
Select Description according to Transaction Purpose
Enter the Transaction Details (max. 40 characters).

Then click ‘Continue’.

8

Verify the transaction details, then click ‘Confirm’.

The rate timer is valid for 20 seconds. Click ‘Confirm’ before the timer expires to lock in the rate.

9

Enter your Secure2u passcode

10

Transaction successful

*FX transaction terms:

For FX transactions exceeding the limit terms, customers are required to upload underlying documents:
- IDR to Foreign Currency transactions above the equivalent of USD 10,000 / month
- Foreign Currency to Foreign Currency transactions above the equivalent of USD 25,000 / transaction
- IDR to LCS Currency transactions above the equivalent of USD 500,000 / transaction

Transaction limits are adjusted in accordance with Bank Indonesia threshold regulations (PADG No. 15 of 2026 on the Third Amendment to Foreign Exchange Market Transaction Regulations and PADG No. 13 of 2026 on Monitoring of Foreign Exchange Traffic Activities for Banks and Customers, effective July 1, 2026) or its amendments, if any.

For FX transactions involving Foreign Nationals (WNA) as either Sender and/or Recipient with a transaction amount above the equivalent of USD 10,000, customers are required to fill out the Foreign Exchange Traffic (LLD) Form in accordance with Bank Indonesia regulations.

Within Maybank FX Transfers within applicable regulatory limits*

Within Maybank FX Transfers exceeding applicable limits*

Within Maybank FX Transfers exceeding applicable limits* require underlying documents (such as Invoices, Copy of Import Declaration (PIB), Sales Agreement/Contract, Letter of Credit (L/C), Commercial Invoices, or other supporting documents.

1

Login to M2U ID App. On the home screen, select ‘Transfer’

2

Select ‘Within Maybank’

3

Select the Source Account based on the original currency

4

Select the destination currency, enter the recipient’s Maybank Account Number, then click ‘Continue’

5

Enter the transaction amount. The equivalent amount will be displayed. Click ‘Proceed’

6

Transactions exceeding applicable limits* require underlying documents. Please prepare the supporting documents, than tap ‘Continue’

7

Fill in sender email, transaction purpose, and document type

8

Tap ‘Add Document’ to upload a file

9

Select the file type to upload: camera, photo, or document

10

Once everything is correct, tap ‘Proceed’

11

Review the transaction details, then click ‘Confirm’

12

Enter your Secure2u passcode

13

Transfer Successful

Within Maybank FX Transfers Exceeding Applicable Limits for Foreign Nationals*

Within Maybank FX Transfers exceeding applicable limits* specifically for Foreign Nationals (WNA) or cross-currency transactions require completing the Foreign Exchange Traffic (LLD) Form in accordance with Bank Indonesia regulations.

1

Log in to M2U ID App. On the home screen, select ‘Transfer’

2

Select ‘Within Maybank’

3

Select the destination currency, enter the recipient’s Maybank Account Number, then click ‘Continue’

4

Enter the transaction amount. The equivalent amount will be displayed. Click ‘Proceed’

5

Enter the transaction amount. The equivalent amount will be displayed. Click ‘Proceed’

6

If the Sender or Recipient is a Foreign Citizen (WNA), and the transaction amount exceeds applicable limits*, please complete the Foreign Exchange Traffic Report (LLD Form) as follows:

Sender Status: Select ‘Sender is Different from Recipient’
Recipient Nationality: Select the recipient’s nationality
Recipient Category: Select ‘Individual’
Relationship with Sender: Select ‘Non-Affiliated’
Transaction Category: Select the category according to the purpose of the transaction Investment
Product Description: Select the appropriate description based on the transaction purpose
Transaction Details: Enter transaction details (max. 40 characters)

Then click ‘Continue’

7

Review the transaction details, then click ‘Confirm’

8

Enter your Secure2u passcode

9

Transfer Successful

Within Maybank FX Transfers – Special Rate Access for Premier & Privilege Customers

Enjoy the convenience of foreign currency transfer between Maybank accounts through the M2U ID App. Get more competitive exchange rates with special rates, exclusively for Maybank Premier and Privilege customers.

Contact your Relationship Manager (RM) or Personal Financial Advisor (PFA) to get special rate.

Guide to foreign currency transactions with special rate.

1

Log in to the M2U ID App. On the home page, select the ‘Transfer’ menu

2

Select ‘Within Maybank’

3

Select the Source Account based on the original currency

4

Select the destination currency, enter the recipient’s Maybank Account Number, enter the ‘Special Rate ID’ in the designated field, then click ‘Continue’

5

The transaction amount will be automatically filled in and locked. Click ‘Process’

6

Review the transaction details and click ‘Confirm’

7

Enter your Secure2u passcodeu

8

The foreign currency transfer between Maybank accounts with the Special Rate is successful. Click ‘Done’ to complete the transaction

*FX transaction terms:

For FX transactions exceeding the limit terms, customers are required to upload underlying documents:
- IDR to Foreign Currency transactions above the equivalent of USD 10,000 / month
- Foreign Currency to Foreign Currency transactions above the equivalent of USD 25,000 / transaction
- IDR to LCS Currency transactions above the equivalent of USD 500,000 / transaction

Transaction limits are adjusted in accordance with Bank Indonesia threshold regulations (PADG No. 15 of 2026 on the Third Amendment to Foreign Exchange Market Transaction Regulations and PADG No. 13 of 2026 on Monitoring of Foreign Exchange Traffic Activities for Banks and Customers, effective July 1, 2026) or its amendments, if any.

For FX transactions involving Foreign Nationals (WNA) as either Sender and/or Recipient with a transaction amount above the equivalent of USD 10,000, customers are required to fill out the Foreign Exchange Traffic (LLD) Form in accordance with Bank Indonesia regulations.

Interbank FX Transfer (SWIFT) within applicable regulatory limits*

Interbank FX Transfer (SWIFT) within the applicable regulatory limits* do not require additional documentation. Simply follow the standard process for transfers between your own accounts.

1

Log in to M2U ID App, then select the ‘Transfer’ menu.

2

Select ‘Interbank FX’.

3

1.Select the source account.
2.Select the destination country.

4

You can use the search bar to find the destination country.

5

1. Select the currency.
2. Enter the transaction amount.

6

Select ‘SWIFT’ as the transfer method, then tap ‘Next’.

7

Select the Bank Code or Bank Name in the search bar.

8

Enter the recipient’s details: recipient name, account number, phone number, address, and email address (for receipt). If everything is correct, check the declaration box. Then tap ‘Next’.

9

Verify your transaction details, then tap ‘Confirm’.

10

Enter your Secure2u passcode.

11

Transfer Successful.

Interbank FX Transfer (SWIFT) exceeding applicable limits*

Interbank FX Transfer (SWIFT) exceeding applicable limits* require underlying documents (such as Invoices, Copy of Import Declaration (PIB), Sales Agreement/Contract, Letter of Credit (L/C), Commercial Invoices, or other supporting documents.

1

Log in to M2U ID App. On the main page, select the ‘Transfer’ menu.

2

Select ‘Interbank FX’.

3

1. Select the source account.
2. Select the destination country.

4

You can use the search bar to find the destination country.

5

1. Select the currency.
2. Enter the transaction amount.

6

Select ‘SWIFT’ as the transfer method, then tap ‘Next’.

7

Transactions exceeding the applicable limit* require underlying documents. Prepare your supporting documents, then tap ‘Continue’.

8

Select the Bank Code or Bank Name in the search bar.

9

Complete the recipient’s details: recipient name, account number, phone number, address, and email address (optional). If everything is correct, check the declaration box. Then tap ‘Next’.

10

Tap ‘Add Document’ to upload your underlying file. You can upload via camera, photo library, or files. Then tap ‘Next’.

11

Verify your transaction details, then tap ‘Confirm’.

12

Enter your Secure2u passcode.

13

Your transfer is being processed. The bank will verify the underlying documents within 1 business day.

Interbank FX Transfer (SWIFT) Exceeding Applicable Limits for Foreign Nationals*

Interbank FX Transfer (SWIFT) exceeding applicable limits* specifically for Foreign Nationals (WNA) or cross-currency transactions require completing the Foreign Exchange Traffic (LLD) Form in accordance with Bank Indonesia regulations.

1

Log in to M2U ID App. On the main page, select the ‘Transfer’ menu.

2

Select ‘Interbank FX’.

3

1. Select the source account.
2. Select the destination country.

4

You can use the search bar to find the destination country.

5

1. Select the currency.
2. Enter the transaction amount.

6

Select ‘SWIFT’ as the transfer method, then tap ‘Next’.

7

Select the Bank Code or Bank Name in the search bar.

8

If either the Sender and/or Recipient is a Foreign National (WNA) and the amount exceeds the applicable limit*, you must fill out the Foreign Exchange Traffic (LLD) Form. If everything is correct, check the declaration box. Then tap ‘Next’.

9

Fill in additional information such as sender status, recipient nationality, recipient category, relationship with sender, purpose of transaction, description, and transaction details. Then tap ‘Next’.

10

Verify your transaction details, then tap ‘Confirm’.

11

Enter your Secure2u passcode.

12

Transaction successful.

*FX transaction terms:

For FX transactions exceeding the limit terms, customers are required to upload underlying documents:
- IDR to Foreign Currency transactions above the equivalent of USD 10,000 / month
- Foreign Currency to Foreign Currency transactions above the equivalent of USD 25,000 / transaction
- IDR to LCS Currency transactions above the equivalent of USD 500,000 / transaction

Transaction limits are adjusted in accordance with Bank Indonesia threshold regulations (PADG No. 15 of 2026 on the Third Amendment to Foreign Exchange Market Transaction Regulations and PADG No. 13 of 2026 on Monitoring of Foreign Exchange Traffic Activities for Banks and Customers, effective July 1, 2026) or its amendments, if any.

For FX transactions involving Foreign Nationals (WNA) as either Sender and/or Recipient with a transaction amount above the equivalent of USD 10,000, customers are required to fill out the Foreign Exchange Traffic (LLD) Form in accordance with Bank Indonesia regulations.

1

Login to M2U ID Web (New Website) at https://m2u.maybank.co.id

2

On your account dashboard, click the "Transactions" button on the upper right corner.

3

Select “Transfer” menu on the transaction page.
Select source of fund on the “Transfer from” column.
Select “SWIFT Foreign Currency Transfer” on the “Transfer to” column.

4

Enter the beneficiary’s SWIFT code or enter the beneficiary’s bank name to search the SWIFT code.
Click the “Search” button.
Click on the SWIFT code area.

5

Enter the beneficiary’s account number/ IBAN.
Select the currency of destination country and enter the transaction amount.
Select a correspondent responsible for transaction charges.
Input the beneficiary's details.
Click “Transfer” button.

6

Enter further beneficiary-related details, then click "Transfer" to continue.

7

On the transaction confirmation page, check the transfer details once again and if appropriate please click “Request TAC”.

8

Input the TAC that has been sent to your registered phone number, then click “Confirm” to continue.

9

Your transfer has been successful. Click “New Transfer” to make another transfer or “Download Receipt” to get your transaction receipt.

10

Your transaction receipt has been successfully downloaded.

#MyBank

TRANSACTION GUIDE

Enjoy seamless foreign currency buy/sell transactions directly via the M2U ID App. Get more competitive exchange rates with your special rate exclusively for Premier & Privilege Customers.

Foreign exchange transactions between own accounts within the applicable regulatory limits* do not require additional documentation. Simply follow the standard process for transfers between your own accounts.

Foreign exchange transactions between own accounts exceeding applicable limits* require underlying documents (such as Invoices, Copy of Import Declaration (PIB), Sales Agreement/Contract, Letter of Credit (L/C), Commercial Invoices, or other supporting documents.

Foreign exchange transactions exceeding applicable limits* specifically for Foreign Nationals (WNA) or cross-currency transactions require completing the Foreign Exchange Traffic (LLD) Form in accordance with Bank Indonesia regulations.

Enjoy the convenience of foreign currency transfer between Maybank accounts through the M2U ID App. Get more competitive exchange rates with special rates, exclusively for Maybank Premier and Privilege customers.

Interbank FX Transfer (SWIFT) within applicable regulatory limits*

Interbank FX Transfer (SWIFT) exceeding applicable limits*

Interbank FX Transfer (SWIFT) Exceeding Applicable Limits for Foreign Nationals*

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