IBL Bonds

Loan from Your Bonds

The solution to your investing and consumption needs

More Value from Bonds

Holding Adds value in building your wealth

Repay in up to 5 Years

More flexibility to your cashflow

Other benefits

No Transfer Fee

Transfer anywhere via ATM without worry to think about additional fees

No Fee Check Balance

Check balances at domestic and international ATM

11 Foreign Currencies Cash Withdrawals

Withdraw 11 currencies at overseas ATM. Exclusive for countries using USD, AUD, SGD, JPY, EUR, HKD, CHF, NZD, CAD, GBP, CNH currencies

Free Cash Withdrawal Fees Outside Indonesia

Free cash withdrawal fees on the Mastercard network in domestic and abroad, but the Bank owning the ATM/acquiring may charge a fee determined by the Bank

Safe

With Premier Global Debit Card*,
you are no longer need to bring cash when travelling overseas

*Formerly known as Global Wallet

Shop Like Locals

Directly debits from foreign currency account balance while shopping abroad
Specifically with BIN 531928, enjoy the benefits and programs from Platinum Mastercard.
Click here for more info

MRT Access

Valid in countries and transportation companies that accept Mastercard and contactless Bank cards. Info here

Broad ATM Network

Easy access in Indonesia, Singapore, Malaysia

IBL Bonds Terms of Application

Product Information Summary

Individual applicants
Indonesian citizenship
Minimum age 21 years old/ married
Maximum age 75 years old by the end of loan tenure
Receives regular income as an employee, entrepreneur, or professional.
Employee (permanent/contract) with min. 2 years of experience.
Entrepreneur/Professional with min. 2 years of experience within the same industry
A minimum income IDR 15 million/month

No	Document	Form of Document
1	Signed application form	Original
2	Valid National ID of applicant and spouse (for Indonesian citizen)	Copy
3	Family Certificate	Copy
4	Marriage Certificate/ Divorce certificate/ Spousal Death Certificate (if applicable) Prenuptial Agreement (if applicable)	Copy
5	Birth Certificate (only applicable if the applicant's name consists of just 1 word or abbreviations)	Copy
6	Employee: Recent employment letter or other documents such as: SPT pph pasal 21 (prev. year) or Valid employment contract, or Last payslip (max. 3 months) Employer/business entity Deed stating the last share ownership (PT/CV) in the name of the Debtor or Business Existence Document on behalf of the debtor: SIUP / TDP / SK Domicile / Certificate of building manager / rental letter renting a place / SPK (Work Order) / Business Cooperation Contract (example of a Franchise agreement) Profesional Verifiied certification letter of current remuneration Certification letter declaring remuneration raise issued by place of employment Verification letter issued by related organization	Copy
7	Other Documents: Bank statement of the past 3 months	Copy