The minimum deposit to open a Tabungan Panin account can be found here

Panin account opening requirements can be seen here here

An interest rates for Tabungan Panin please check on here

An administration fee for Tabungan Panin please check on here

The initial deposit of Tabungan Panin can be seen here

Tabungan Panin benefits can be seen here

This Special PSP Savings is said to be special because with this PSP savings, customers get direct prizes that are free to be chosen by customers according to the nominal and period of savings available. Customers also get bank interest, and opportunity to win the Panin Super Bonanza lottery.

*Terms and Conditions apply

Rewards will be received a maximum of 14 working days after the savings are blocked.

Customers can get cashback on the placement of funds within a certain period of time on Tabungan Panin MGM. Many other advantages of Tabungan Panin MGM can be seen here.

The requirements for opening a Tabungan Panin MGM account can be seen here.

The initial deposit, interest rate, and administration fee of Panin Savings MGM can be viewed here.

Member is a PaninBank Customer who refers or brings friends, family, colleagues to join the Panin Savings MGM program.

Members can get incentives for referred customers if the Customer places funds within a certain period of time in the Panin Savings MGM account.

The requirement to become a Member is very easy, just by opening a Savings account or Panin Current Account.

To open a TabunganKu account, see here

To open a Junior Savings account can be seen here

To open a Student Savings account can be seen here

The opening of Student Deposits can only be done if there is cooperation with the school.

To open an account of TabunganRencana can see on here

To open a My Goal account can be seen here

Opening a Panin RDN Savings account can be done by contacting the Securities Company selected by the customer concerned and then the Securities Company processes the account opening at PaninBank.

RDN Panin savings in addition to getting appealing interest rates, also get a chance to win the Panin Super Bonanza lottery.

PanDollar account opening requirements can be seen here

There are 10 PanDollar currencies, which can be seen here 

Pan Dollar Current Accounts can be seen here 

PanDollar's initial deposit can be seen here

PanDollar benefits can be seen here

Untuk membuka rekening PanDollar bisa dilihat di sini

Click here to find out on how to open a Panin Deposit account.

The requirements for opening a Forex Current Account can be seen here

There are 11 currencies in Forex Current Account, which can be seen here

The Services for Forex Current Account can be seen here 

The administration fee for Forex Current Account can be seen here 

The initial deposit of Forex Current Account can be seen here 

The Benefits of Forex Current Account can be seen here 

To open a Forex Current Account can be seen here 

• Members must have a Tabungan Panin or Tabungan Panin MGM or Tabungan Panin MGM Grand account.
• Register the account at a PaninBank Branch Office to get the MGM Code, which can be used as a Member code.

To become a Member, there is no registration fee, only register a Tabungan Panin or Tabungan Panin MGM or Tabungan Panin MGM Grand account.

• Members will get incentives for every placement of Customer funds they refer.
• Participated in the lottery on the Panin Super Bonanza Program.

• The calculation of incentives for Members is carried out from the 1st to the end of the month in each month.
• Payment of incentives is made on the 10th of the following month. If the 10th is a holiday, then the incentive is paid the next working day.

• Members can take part in a lottery in the Tabungan Panin MGM Grand Program if the Member opens the Tabungan Panin MGM Grand and blocks IDR 1 billion of funds for 12 months.
• The MGM Code cannot be used for the placement of funds on behalf of the Member himself or herself. How is the draw on the Tabungan Panin MGM Grand Program different from the Panin Super Bonanza Program?

• Members are included in the Panin Super Bonanza Program lottery.
• In the Panin Super Bonanza Program, Members get 1 lucky draw point for every multiple of 1 million of the funds blocked by the brought Customer.
• Members will still have lucky draw points from the Customer brought during the blocking period on the Customer's account.
• Other provisions follow the provisions of the Panin Super Bonanza Program.

*T&C follow the provisions of the applicable Panin Super Bonanza program.

Customers who block funds on the Tabungan Panin MGM Grand are entitled to take part in the lottery in the Tabungan Panin MGM Grand Program and also the Panin Super Bonanza Program.

For this program, customers are not allowed to break. In the event of a break, the Customer is no longer entitled to participate in the lottery in the Tabungan Panin MGM Grand Program.

Requirements to apply for a Platinum Credit Card can be found here

The requirements for applying for a Gold Credit Card can be seen here

Previously, make sure you are already a Panin Bank Priority Customer and the requirements to apply for an Infinite Credit Card can be seen here

Submissions can be made through the nearest Panin Bank Branch or via the link here

Submissions can only be made through Panin Bank Branches and make sure you are already a Panin Bank Priority Customer

The Panin Credit Card loan application process will be processed in 5-7 working days if the required data and documents are complete

The status of your Panin Credit Card application will be informed by Panin Bank via SMS to your mobile number or you can contact the Panin Call Center

Prepare your Panin Credit Card that has not been activated, contact CallPanin 24 hours at 1500678

To apply for an Additional Credit Card, please contact CallPanin 24 hours at 1500678

To apply for a credit card limit increase, please contact CallPanin 24 hours at 1500678

You will receive a billing statement on each billing date stated on the welcome pack when you receive the card, or you can contact CallPanin 24 hours at 1500678 the billing date of your Credit Card

On the billing statement, you get the following information:

• Billing details
• Due date
• Total bill
• Minimum payout total
• Remaining credit limit
• Reward point information
• Important Information regarding Panin Credit Card Kartu
• Promo Merchant

You are advised to pay the Credit Card bill before the due date to avoid fines and/or late fees. You can pay your Panin Credit Card bill through:

• Panin Bank Branch Office
• Panin Bank E-Channel (ATM, Panin Mobile, Panin Internet Banking)
• Transfer Via ATM Bersama / ALTO
• ATM Bank CIMB Niaga, Maybank, Permata, BNI

Your AEON Credit Card Panin payment information can be seen on the welcome pack when you receive the card

With Panin Credit Card, you can enjoy features including:

• E-Statement
• 3D Secure
• Retail Installment Program (not valid for Corporate type)
• Point Rewards (not valid for Corporate type)
• Panin requent flyer
• Funtastic Bills
• Free Air Travel Accident Insurance
• Airport Lounge (not valid for gold type)
  • Priority Pass (only for Infinite type)
• Global Customer Assistance Service (only for Infinite type)

Priority Pass Card is an exclusive facility for Infinite Cardholders, please contact CallPanin 24 hours at 1500678 to apply for a Priority Pass Card

For those of you who are Platinum, Corporate and Infinite cardholders, you can enjoy free Airport Lounge services at selected airports with the following conditions:

• The active card is not in a block condition
• Only valid for both main and additional cardholders
• Maximum 4 times a month and 1 time a day

Every time you shop using your Panin Credit Card for IDR 25,000 and multiples thereof, you will immediately get 1 (one) Panin Reward Point (Rp 25,000 = 1 Point). The number of Panin Reward Points you have will be listed on your billing statement. You can collect Panin Reward Points to exchange for Goods, Vouchers, Mileage, Discounts and Donations. Panin Reward Points are only valid for retail transactions both in-store and online.

More info, please click here.

If your Panin Credit Card is lost/stolen, please contact CallPanin 24 hours at 1500678

For changes to your personal data information, please contact CallPanin 24 hours at 1500678

Panin Express Credit is an unsecured personal loan (KTA; Kredit Tanpa Agunan) product from Bank Panin that can be obtained quickly and easily. The loan funds can be used for multipurpose purposes such as education, weddings, home renovations, furniture purchases, vehicle purchases, vacations, and other purposes.

Interest rates and fees from The Panin Express Credit can be seen here

The requirements to apply for Panin Express Credit can be seen here

Applications can be made through the nearest Panin Bank Branch or via the link here

The status of your Express Panin Credit application will be informed by PaninBank via SMS to your mobile number, or you can contact the Panin Call Center.

The calculation of Panin Express Credit loan installment can be seen here

Panin Express Credit payments are made through Panin account auto-debit every month.

The payment loan due date of Credit Express Panin is the same as the disbursement date of your loan. You can find the due date information on the Welcome Pack letter that PaninBank sends you.

If you do not make a full installment payment, you will be charged a late fee which will be charged on the next month's bill. This can affect credit quality and credit collectability status at the Financial Services Authority (OJK; Otoritas Jasa Keuangan).

Yes, loan cancellation and accelerated repayment can be done by contacting your account opening branch or Panin Call Center. This process will be subject to additional costs, namely loan cancellation fees or accelerated repayment fees.

If  the due date falls on a weekend or national holiday date, the debit will automatically be made 1 day in advance on a working day, for example:

• The due date of the 12th falls on Sunday, Then the debiting will be made on the10th which falls on  Friday.
• The due date of the 12th which falls on Tuesday which is a national holiday, Then the debit will be made on the 11th which falls on Monday.

KPR and KPR X-TRA interest can be seen here

KPR and KPR X-TRA document requirements can be seen here

Mortgage products are individual credit facilities with the aim of purchasing property in the form of houses, apartments, shop houses, or home offices.

X-TRA's KPR product is a refinancing facility with collateral for houses, shophouses, shophouses, apartments with the purpose of being used for renovation, construction, and purchasing of houses, shop houses, office buildings, apartments, or lots within the developer complex that cannot be guaranteed.

The age limit to be able to apply for a mortgage is the minimum age that is legally competent according to the applicable law or is married and the maximum age is 55 years for employees.

The age limit to be able to apply for a KPR X-TRA is the minimum age that is legally capable according to the applicable law or is married and the maximum age is 60 years for professionals or entrepreneurs.

Simulation of KPR and KPR X-TRA installments can be seen here

Apply for a KPR and KPR X-TRA online here or immediately visit the nearest Panin branch office.

Bancaassurance is a cooperation activities between Insurance Companies and Banks in order to market Insurance Products through Banks.

Types of Bancassurance can be seen here

Products can be obtained through the nearest PaninBank branch.

Fees are charged according to each product taken

If the application is in accordance with the provisions of the Insurance Party, then on the same day the Insurance Party will issue the policy and send it directly to the Customer (if the application is made via Internet Banking / Mobile Banking).

• The Insured / Policy Holder reports to the Insurance Party
• Each type of Insurance has provisions for the reporting period for Insurance Claims
• Complete the documents required by the Insurance Company
• If the document is in accordance with the provisions of the Insurance Company, then the Insurance Party will pay the coverage to the Insured / Policy Holder.

Panin Bank cooperates with 2 (two) Investment Managers (MI), namely Panin Asset Management (PAM) and Bahana TCW Investment Management.
The products offered from each MI are PAM as many as 5 products and Bahana TCW as many as 4 products.

Here are their products:PAM : Panin Dana Utama Plus 2, Panin Dana Prioritas, Panin Dana Unggulan, Panin Dana Prima, dan Panin Dana Maksima.
Bahana TCW : Ganesha Abadi kelas G, Ganesha Abadi kelas D, Bahana Dana Infrastruktur, dan Bahana Dana Ekuitas Prima.

Yes, Mutual Fund transactions are subject to transaction fees.

The applicable transaction fees are in accordance with the provisions of each product. There are 3 types of transaction fees:

1. Subscription Fee/Purchase Fee : Fee charged when purchasing Mutual Funds.
2. Redemption Fee/Selling Fee : Fee charged at the time of selling the Mutual Fund.
3. Switching Fee : Fee charged when switching from one Mutual Fund product to another Mutual Fund product managed by the same Investment Manager.

Mutual Fund transactions can only be made on Exchange Business Days (Monday - Friday) before the Cut Off Time at 12.00 Western Indonesian Time)

Cut Off Time merupakan batas waktu bagi Investor untuk melakukan transaksi Reksa Dana pada setiap Hari Kerja Bursa.

Investors who wish to conduct Mutual Fund transactions must have an account at Panin Bank under the Investor's own name (cannot use other people's accounts).

Joint Accounts, either "AND" or "OR" cannot be used for Mutual Fund transactions.

Mutual Fund transactions at Panin Bank can be done through Panin Bank Branch Offices that serve Mutual Fund transactions transaksi

The following are the requirements for purchasing (subscription) Mutual Funds through Panin Bank Branch Offices:

1. Have a Savings Account at Panin Bank
2. Bring a valid Identity Card (E-KTP for Indonesian citizens and Passport/KIM/KITAS/KITAB for foreigners)
3. Fill out the Mutual Fund purchase form, Mutual Fund statement letter and complete Risk Profile

*All completed documents will be processed by Panin Bank staff in accordance with applicable procedures.

Following are the requirements for Redemption of Mutual Funds through Panin Bank Branch Offices:

1. Bring a valid Identity Card (E-KTP for Indonesian citizens and Passport/KIM/KITAS/KITAB for foreigners)
2. Fill out the Mutual Fund sales form

*All completed documents will be processed by Panin Bank staff in accordance with applicable procedures.

Following are the requirements for switching Mutual Funds through Panin Bank:

1. Bring a valid Identity Card (E-KTP for Indonesian citizens and Passport/KIM/KITAS/KITAB for foreigners)
2. Fill out the Mutual Fund transfer form and Mutual Fund statement letter.

*Investors may transfer Mutual Fund Participation Units which are partially or wholly owned (all units).
*Investors can only transfer to products that have the same Investment Manager and Custodian Bank.
*All completed documents will be processed by Panin Bank staff in accordance with applicable procedures.

The proceeds from the sale (redemption) will be received in the investor's savings account a maximum of 7 working days after the sale transaction is made in accordance with the applicable transaction procedures and Cut-Off Time (COT).

Investors will receive Mutual Fund Participation Unit Transaction Confirmation for purchase, sale and transfer transactions made, as well as monthly report documents.

*Transaction confirmation documents and monthly reports can be accessed by investors through the AKses KSEI  website (https://access.ksei.co.id).
*To be able to access the AKses KSEI website, Investors must register an email address at the first time they make a mutual fund transaction at PaninBank.

Investors open the AKses KSEI website, namely https://access.ksei.co.id, after that click the “Register” button.

Investors will be asked to complete the required data for registration, namely:

• Name
• NIK
• Mobile phone number
• Email Address (as registered at PaninBank)

Complete instructions on how to register are also available on the KSEI website.

Products that include retail SBN are Retail State Bonds (ORI), Retail State Sukuk (SR), Retail Savings Bonds (SBR) and Savings Sukuk (ST).

Conventional Retail SBNs include Retail Government Bonds (ORI) and Retail Savings Bonds (SBR).

Included in Sharia Retail SBN are Retail Sukuk (SR) and Savings Sukuk (ST)

The minimum nominal for retail SBN orders is Rp. 1.000.000,- (One Million Rupiah).

The maximum nominal value of Retail SBN that can be owned by 1 customer is Rp. 3,000,000,000,- (Three Billion Rupiah) for each Retail SBN series.

For ORI and SR can be traded in the secondary market. Meanwhile, SBR & ST cannot be traded on the secondary market.

Produk SBR dan ST hanya bisa dijual pada masa Early Redemption dengan maksimum yang dapat dijual adalah sebesar 50% dari nominal kepemilikan.

Minimal kepemilikan agar dapat melakukan penjualan pada masa Early Redemption adalalah Rp. 2.000.000,- (Dua Juta Rupiah).

Early redemption dapat dilakukan pada waktu yang telah ditentukan oleh Kementerian Keuangan diawal penerbitan produk sesuai dengan Memorandum Informasi produk.

For ORI and SR products, customers will get a fixed coupon type, while for SBR and ST using a floating coupon system with minimal coupons.

Kupon akan dibayarkan setiap bulan ke rekening nasabah sampai dengan jatuh tempo.

ORI and SR products have a tenor of 3 years, while for SBR and ST it has a tenor of 2 years.

Investing in Retail SBN is safe because the principal and coupon are guaranteed by law.

The tax on coupons from Retail SBN is 15%.

The Secondary Market SBN products offered by PaninBank include FR, PBS, INDON, and INDOIS.

The minimum purchase of secondary market SBN at Panin Bank is:

1. For SBN in Rupiah: Rp. 1,000,000,000 (One Billion Rupiah)
2. For SBN denominated in Dollars : USD 200,000 (Two Hundred Thousand US Dollars)

Secondary Market SBN transactions at Panin Bank can be made through Panin Bank Branch Offices.

Documents required to purchase Secondary Market SBN:

1. Securities Account Opening Application
2. Custodian Agreement
3. Customer Risk Profile
4. Sample Signature Card
5. Statement letter
6. Securities Transaction Form
7. Bond Confirmation
8. Securities Receipt Instruction

ATMPanin can be used by:

• All DebitPanin Cards for all transaction services.
• Panin Credit Card  for cash withdrawals and bill inquiries.
• Card with GPN logo for cash withdrawals, balance information and Interbank Transfers of GPN network.
• Card with ATM Bersama logo for cash withdrawals, balance information and Interbank Transfers of ATM Bersama network.
• Card with Prima logo for cash withdrawals, balance information and Interbank Transfers of Prima network.
• Card with ALTO logo for cash withdrawals, balance information and Interbank Transfer of ALTO network.
• Card with MasterCard/Cirrus logo for cash withdrawals and balance information.

ATMPanin can do BI-Fast transfer with correspondent banks that have joined the BI Fast Network.

Currently, ATMPanin is available more than 100 features/services, such as:

• Cash Withdrawals
• Savings Account, Current Account,  Credit Card Information
• Transfer between PaninBank and Interbank Accounts
• Routine Bill Payments (Electricity, Telephone/Mobile, Credit Card, Water Bill, Tax, Insurance, Installments/Loans, Cable TV, Internet, Flight Tickets, E-Money Top Up, etc.)
• Mobile Credit Purchase (Telkomsel (Simpati / Kartu As, XL / Axis, Indosat Ooredoo, SmartFren, 3)
• Mini Statement / Print the Last 7 Transactions
• e-banking registration: SMS Alert, InternetPanin, MobilePanin
• e-cashPanin: Cardless Cash Withdrawals and Top Ups

The maximum withdrawal transactions per withdrawal are IDR1.500.000,- at ATMPanin with banknotes IDR50.000,- or IDR100.000,-

Report immediately to CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) or to the nearest Panin branch, by submitting related data.

Yes, for non-cash transactions only.

No, it can't.

You can ask to the PaninBank Branch, CallPanin 1500678, or look it up on the PaninBank website.

You can report it to CallPanin 1500678.

Because at that time, the billing data from the Operator / Biller was not yet available.

In making bill payments, it should not be done on the last day of the payment deadline (due date). Because in this period, usually the transaction number is very high.

Customers can contact CallPanin 1500678 or visit the nearest Panin Branch.

• Always keep your ATM PIN confidential and cover your finger with your hand when entering the PIN at the ATM.
• Cancel the transaction and immediately report it to the bank, if you find suspicious signs at the ATM, such as foreign objects or unnatural wires.
• Immediately move to another ATM if the ATM location is dark or hidden.
• When queuing at the ATM, make sure other people cannot see the PIN and card number.
• Check the transaction proof before leaving the ATM. Keep the proof safe.
• Take the money and card immediately from the ATM, because if it is not taken for too long, the money or card will re-enter the machine.
• Do not count money in the open.
• If the card is swallowed by the machine, immediately contact the Panin branch officer. If there is no Panin branch officer, immediately contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) and request for the card to be blocked.

CallPanin 1500678 (PSTN) phone number or +6221 251 5555 (IDD).

Yes, customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) for 24 hours.

Yes, customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) to unblock DebitPanin card /  Panin credit card / MobilePanin / InternetPanin / e-cashPanin.

Yes, customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) to unblock their DebitPanin cards.

Yes, customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) to reset the MobilePanin Password / PIN and InternetPanin.

Yes, customers will be charged a local credit fee per call.

Mobile Panin is a PaninBank mobile banking application with improved technology to provide security, comfort, and convenience in conducting banking transactions whenever and wherever you are.

All PaninBank customers who have savings and current accounts and have a DebitPanin card.

You can download the Mobile Panin application on the Play Store for Android (minimum version 4.0.4) and the App Store for iPhone (minimum version 11).

You can register for Mobile Panin through ATM Panin, Internet Panin, or come to the nearest PaninBank Branch.

You can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) or come to the nearest PaninBank Branch.

Make it a habit to double-check and make sure all the data displayed by the system at the time of confirmation is in accordance with the desired transaction.

In making bill payments, it should not be done on the last day of the payment deadline (due date). Because usually in this period the transaction number is very high.

Customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) to reset this log PIN / MobilePanin transaction PIN.

Yes, customers can block Mobile Panin by contacting CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD).

Currently, Mobile Panin is available more than 100 features/services, such as:

• Savings Account Information, Current Account, Credit Card, and Loan.
• Transfer Between  PaninBank Accounts, between other bank accounts, BI Fast, Clearing and RTGS.
• International Transfers.
• Routine Bill Payment (Electricity, Telephone / Mobile, Credit Card, Water Bill, Tax, Insurance, Installments / Loans, Cable TV, Internet, Flight Tickets, E-Money Top Up, etc.).
• Purchase mobile vouchers (Telkomsel (Simpati / Kartu As, XL / Axis, Indosat Ooredoo, SmartFren, 3).
• Account mutation / transaction history for the last 3 months.
• Currency exchange rates, locations of ATMs and branches, interest rates.
• Transaction alert / notification settings.
• Scheduled transactions.

Customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) or the nearest PaninBank Branch.

InternetPanin is an electronic banking service via the internet that can be accessed by clicking InternetPanin

All PaninBank customers who have savings, current accounts or DebitPanin cards.

Customers can access Internet Panin in www.panin.co.id with a minimum browser of Internet Explorer 9, Mozilla Firefox 23, Chrome 29 and Safari 5.

Customers can register for InternetPanin through ATMPanin or come to the nearest PaninBank Branch.

No, customers must come to PaninBank branch when opening an account to withdraw tokens and activate Internet Panin tokens.

Internet Panin tokens that are lost or ran out of battery will be charged for an Internet Panin token replacing fee for IDR 50,000,-

Customers can only reset the Internet Panin token PIN by contacting CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD).

Customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) or come to the nearest PaninBank Branch.

Make it a habit to double-check and make sure all the data displayed on the system when confirming is in accordance with the desired transaction.

In making bill payments, it should not be done on the last day of the payment deadline (due date). Because usually in this period the transaction number is very high.

Customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) to reset the Internet Panin login password.

Yes, customers can block Internet Panin by contacting CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD).

Currently, Internet Panin already provides more than 100 features/services, such as:

• Savings Account Information, Current Account, Credit Card, Loan
• Transfer Between Panin Bank Accounts, between other bank accounts, BI Fast, Clearing and RTGS
• International Transfers
• Routine Bill Payment (Electricity, Telephone / Hp, Credit Card, Water Bill, Tax, Insurance, Installments / Loans, Cable TV, Internet, Flight Tickets, Electronic Money Top Up, etc.)
• Purchase Mobile Vouchers (Telkomsel (Simpati / Kartu As, XL / Axis, Indosat Ooredoo, SmartFren, 3)
• Account mutation / transaction history for the last 3 months
• Application  for car loans and house mortgage loans
• Currency exchange rates
• Transaction alert / notification settings
• Scheduled transactions

Yes, the Customer can still access Internet Panin services and features abroad as long as the Customer can access the internet network.

Challenge Questions on Internet Panin will function if PaninBank Customers access Internet Panin abroad.

Customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) or to the nearest PaninBank Branch.

e-cashPanin is a server-based electronic money that can be accessed directly through smart phones and allows its users to carry out banking transactions such as buying credit, transferring and withdrawing cash without an ATM card.

The features of e-cashPanin that can be enjoyed by users include:

• Balance information and transaction history.
• Top up the balance from PaninBank e-channel and ATM Bersama transfer.
• Transfer to another e-cash number.
• Transfer to a savings account of PaninBank or other banks.
• Cash Withdrawal at PaninBank ATM without using an ATM card.
• Pay bills or do shopping transaction.

Some of the conveniences that can be enjoyed by e-cashPanin users are as follows:

• In lieu of cash
• Can be used on IOS and Android smartphones
• Ease of registration without having to come to the PaninBank office or branch

This service is very safe, because every time you register in e-cashPanin, users are required to make confidential questions and PIN, and every transaction can only be carried out if the user has entered the appropriate PIN.

Any individual who has an active smartphone and SIM card can become an e-cashPanin user.

For smartphone users, e-cashPanin can be accessed by downloading the application on the App Store and Play Store.  After that, users can register for e-cashPanin first by filling in the data, namely:

• Name
• Email address
• Date of Birth
• Referral code (optional)
• Confidential questions  and answers
• Pin

Users who have registered will be registered as Unregistered users. To be able to become a Registered user, users must first upgrade the e-cashPanin service.

What are the Unregistered and Registered users?
Unregistered users are e-cashPanin users who have just registered using short data in the form of name, date of  birth, and email. While registered  holders are e-cashPanin holders who have upgraded their e-cashPanin service.

Below are the differences between an unregistered user and a registered user:

Unregistered users who have registered for e-cashPanin can become registered users by upgrading the service. Service upgrades can be done through the e-cashPanin application and PaninBank Branches for those who do not have a PaninBank account.

• Make sure you have upgraded your e-cashPanin service to a Registered User and use the Panin ATM machine facility.
• On the e-cashPanin application on your device, select the Cash Withdrawal menu.
• Enter the desired amount, then create a passcode and enter your PIN. You will receive an SMS or message from PaninBank delivering the OTP code.
• Then when you are at the  ATM machine, select the e-cashPanin Cash Withdrawal menu on the ATM screen.
• When a request appears to fill in the passcode, enter your passcode number registered with e-cashPanin. If it is correct, select "Correct".
• Enter the OTP code from the SMS sent to your device, select "Correct".
• Wait for the money to come out of the ATM machine.

One mobile phone number can only be registered once.

Yes you can, but it must be using a different mobile phone number.

Users can access the e-cashPanin service abroad as long as the user is always connected to the internet network (for smartphone users).

There is no minimum balance limit for e-cashPanin users.

In accordance with Bank Indonesia regulations, e-cashPanin accounts are not subject to administrative fees and are not subject to interest.

The  transaction value limit  of e-cashPanin is a maximum of IDR 40 million per month. The restriction on the value of these transactions is taken into account from incoming transactions, including: incoming transfers, top-ups, and or other transactions.

If it has reached the transaction value limit, then the customer cannot receive or make incoming transactions again in the same month. Customers must wait in the next month to receive or make incoming transactions.

If the transaction has been made, there will be an SMS notification informing whether a transaction is successful/not.

Immediately after the transfer process is carried out and there will be an SMS transfer notification.

1. Make sure you have upgraded the e-cashPanin service to a Registered User.
2. Click the Transfer to e-cash option in the Menu section.
3. Complete the transaction details according to the procedure, click Continue, wait until you get the proof of the transaction.

You can convey questions or problems that you experience by sending an email to the ncc.ecash@panin.co.id, or contacting CallPanin 1500678, or coming to the nearest PaninBank branch office.

Users will be asked to check the balance or make an account mutation. If it turns out that the balance amount has not decreased (the transaction was unsuccessful), please retry the transaction. However, if the balance has been reduced but the transaction is not successfully carried out, please contact the callPanin 1500678 or a PaninBank branch.

The causes may include: SMS-Center operators are busy/queuing, the phone is off, inadequate credit, cell phone network interference and other causes.

If the user forgets the PIN, the user can reset the PIN through the e-cashPanin application by entering data verification in the form of confidential questions and answers.

If the user forgets the confidential questions that have been made, the user can contact callPanin 1500678 to re-issue the PIN through the data verification process. After the user gets a temporary SMS PIN, the user can use the PIN to log in to the e-cashPanin. If the temporary PIN is successfully validated, then the next step is that the user will be asked to create a new PIN, verify it and create a new confidential question.

Users can block and report the loss to the phone provider and callPanin 1500678 for a follow-up on the resolution process. If the user wants to make a unblocking request, then the user can dial callPanin 1500678.

No, your money remains safe in your e-cashPanin account, as long as no one else knows your PIN and confidential questions.

You can apply for a recycle card to a provider with the same mobile phone number. The e-cashPanin system will validate the mobile number to be able to reuse your e-cashPanin.

You can anticipate by avoiding suspicious activities, as below:

• Do not accept the invitation of unknown people to the ATM machine.
• Beware of phone conversations from unknown people and request your personal data, including photos regarding the nominal  information of your last balance.
• Do not spread the OTP code you received via SMS.
• You are also expected to double-check your transaction records, when there are reports of  remittances from other users.

The first thing to do is to block the lost card via CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD).

• Contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD)
• CallPanin officer will verify the data
• CallPanin officer will block the card

• Customers come to the nearest PaninBank Branch.
• Prepare a certificate of loss from the police, ID card, and Passbook.
• The customer fills out the card replacement request form.
• PaninBank officers carry out the debit card replacement process .

The cost for replacing the lost card is IDR 15.000,- (Fifteen thousand Rupiah)

Customer only making requests to unblock DebitPanin Card via CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD).

DebitPanin Card can be used immediately after unblocking is done in CallPanin.

• Contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD)
• CallPanin officer will verify the data
• CallPanin officers will block the card and then for card replacement can be processed through the Panin branch

Yes, customers will be charged a card replacement fee of Rp15.000,- (Fifteen thousand Rupiah)

Customers can contact CallPanin 1500678 (PSTN) or +6221 251 5555 (IDD) and check whether the DebitPanin Card has been blocked because the holder forgot the PIN.

Customers can contact CallPanin to unblock the DebitPanin Card PIN  and reset the DebitPanin Card PIN.

Yes, customers can use DebitPanin Cards with the Mastercard logo around the world to make cash withdrawal transactions at ATM machines and payments at merchants on EDC machines that on the Mastercard network.

No. DebitPanin card with GPN logo can only be used for transactions in Indonesia.

Yes, DebitPanin cards with the GPN logo can be used for shopping payments on EDC machines at merchants in Indonesia.

Yes, debit cards with the GPN logo and Mastercard logo can be used at all ATMs of other banks that are members of the ATM Bersama, Prima, ALTO and Mastercard or CIRRUS networks.

QRIS is PaninBank's QR Code that allows merchants/sellers to accept payment transactions from all electronic money/wallets that have been registered with Bank Indonesia. With the PaninBank QR code standardization, one QR code can be processed by various QR code payment provider applications that have been registered with Bank Indonesia.

Based on the "Usage Mechanism", there is one method of using QRIS:
Merchant Presented Mode (MPM) 
With this method, the QRIS code will be provided and displayed by the merchant and then the QR code is scanned by the user. So, when you want to complete a transaction at a certain merchant, users will be given QRIS by the cashier and scan the QRIS using their respective cellphones.

The MPM method consists of 2 media displays:
a.  Static

• QR Code is displayed via stickers or other printouts 
• The same QR Code is used for every payment transaction 
• QR Code does not yet contain the nominal payment that must be paid, so users need to input the amount that they will pay to the merchant 

b.  Dynamic

• QR Code is displayed through the receipt printed by the EDC machine/displayed on the monitor screen 
• A different QR Code is printed for each payment transaction 
• The QR Code already contains the nominal payment to be paid, so users do not need to input the payment

• Pembeli belanja di Merchant Penjual
• Merchant menginformasikan nominal pembayaran
• Pembeli membuka aplikasi e-cashPanin lalu pilih bayar pakai QR
  Langkah-langkah bertransaksi QRIS menggunakan e-cashPanin: 

QR payment transaction limit is Rp10,000,000,- (Ten Million Rupiah).

Customers can make QRIS transactions at all merchants who have QRIS-standard QR codes, regardless if the merchant uses static or dynamic QRIS.

• QR codes are not QRIS standard
• Merchant QR code has expired

Generally, the cause of the incident is due to time out on the switcher side or time out on the biller side so that the transaction is delayed. If you experience this incident, you can contact each application used during the QRIS transaction. If a QRIS transaction fails using e-cashPanin, you can contact CallPanin 1500 678 (PSTN) / come to the nearest PaninBank branch.
 

QRIS transactions through e-cashPanin are free of charge, but customers can tip.

More information can be found at this link

More information, a PaninBank customers can contact: CallPanin 1500 678 (PSTN)

 The account opening requirements for Panin Super Giro can be seen here

The current account service of Panin Super Giro can be seen here

Administration Fee of  Panin Super Giro can be seen here

The initial deposit of Panin Super Giro can be seen here

The benefits of Panin Super Giro can be seen here

Initial deposit to open an account for Tabanas Payroll can be seen here

Tabungan Payroll is free administration fee.

Complaints can be submitted via:

• PaninBank Branch Office
   
• PaninBank Services 1500678 or (+62-21) 251-5555
   
• Email panin@panin.co.id and or ncc@panin.co.id
   
• Website & PaninBank Official Social Media
   
• Website: https://www.panin.co.id

• Personal identity (KTP/Passport)
• Complainant / customer telephone number
• Chronology of complaints
• Photocopies of supporting documents, including proof of deposit/withdrawal, proof of transfer,
• Account statement, proof of transaction and/or other supporting documents related to the complaint submitted.
• If the complaint is submitted by a Customer Representative, it must be accompanied by the following additional documents:
  • Photocopy of proof of identity of the Customer Representative
  • Special Power of Attorney from the Customer to the Customer's Representative stating that the Customer gives authority to the appointed power of attorney (Individual, Institution or Legal Entity) to represent him and act on behalf of the Customer).
• If the Customer Representative is an institution and/or legal entity, then the Customer Representative must include documents stating their authority.
• Complaints via Call Panin 1500678 must be submitted personally by the customer concerned (not permitted through customer representatives).
• The bank will verify the legitimacy of customers who submit complaints.

• Receive complaints submitted by customers.
• Bank officers will verify customer data.
• Bank officers will record complaints.
• Customers will receive a complaint registration number.
• The bank will follow up according to the required time period according to the type of complaint.
• The bank will inform the customer about the resolution of the complaint

If the customer does not agree with the settlement provided by the Bank, the customer can submit his objection to the settlement results in writing to the Bank. In accordance with OJK Regulations, customers who are dissatisfied with the resolution of complaints can submit complaints to the OJK, via:

• Written letter to: Deputy Commissioner for Education and Consumer Protection OJK Radius Prawiro Tower Floor 2. Bank Indonesia Office Complex Jl. M.H. Thamrin No. 2 Jakarta
• Contact OJK service at: 157
• Email to: consumer@ojk.go.id
• Online at: jasaiuangmu.ojk.go.id
• APPK Consumer Protection Portal Application - OJK

• Fund transfer activities
• Payment Tools Using Cards (APMK)
• Electronic Money Activities
• Activities of providing and/or depositing Rupiah Currency

Can be submitted to Bank Indonesia through the following channels:

• Written letter
  to: Dept. MSME Development and Consumer Protection
  Jl. MH. Thamrin No. 2 Typical Building Fl. 14 Jakarta 10350
• Contact BI service: 1500 131
• Email to : merdeka@bi.go.id