• Flexibility and time efficiency: Real-time online banking transaction processing.
• Transaction security: The process of creating and authorizing transactions needs approval matrix and token.
• Electronic data storage: Ease of monitoring and archiving financial data.

Wholesale or Corporate Customers.

No. To use Kopra Cash Management Wholesale services, the customers are not charged any administration fees. You will only be charged while making certain transactions.

• Contact Relationship Manager of Bank Mandiri , or
• Contact the branch or Transaction Banking Region teams at Bank Mandiri in each region.

Access the Kopra Cash Management Retail service via the website https://koprabymandiri.com by entering your credentials, such as Company ID, User ID, and Password.

Transaction authorization is conducted hierarchically, involving maker and approver users, and is secured with a token as an authentication tool.

• Dashboard: The menu on the home screen page after you login, which can be customized according to the user's needs, such as the frequently accessed menus, the overview of calendar transaction status, news, etc. The dashboard display can be customized by pressing the "Customize Dashboard" on the right side.
• Account: This menu contains sub-menus related to account information that has been registered at Kopra Cash Management Wholesale, such as Account List, Today's Balance, Balance History, Account Statement, and Advice Printing.
  • What is Account List?
    A feature to view all accounts that have been registered.
  • What types of accounts can be registered at Kopra Cash Management Wholesale?
    • Current Accounts
    • Savings Account
    • Loans
    • Time Deposits
  • What is Today’s Balance?
    A menu to view today's balance position.
  • What is Balance History?
    A menu to view the position of the balance in a certain period (a maximum of 12 months with an inquiry period of 1 month).
  • What is Account Statement?
    A menu that makes it easy for you to view and download today's or previous days' bank statements from each account registered with Kopra Cash Management Wholesale in both print and MT940 formats.
  • How long can the data be displayed in Kopra Cash Management Wholesale Account Statement?
    The period that can be displayed and downloaded is a maximum of 31 days. The available data on Kopra Cash Management Wholesale is up to 1 year prior.
  • Can the Account Statement be downloaded?
    Account statements can be viewed on the website and can be downloaded in MT940 (History), PDF, CSV, and XLS formats. Search can be inserted by date.
  • What is a monthly account statement?
    A menu that provides convenience for you to view and download monthly statements from each account registered with Kopra Cash Management Wholesale for a maximum period of 12 months.
  • What is a report overview?
    A menu that provides convenience for users to find report files that have been downloaded. Besides using the Report Overview menu, you can also access the Report Overview by clicking the download logo on the top right side of the layer.
  • What is the Advice Printing function?
    A menu that provides convenience for you to print and send advice as written transaction notifications for third parties (counterparty).
• Transfer
  • What is a Transaction Overview?
    A feature to view the summary of transactions that have been made and the status of each transaction.
  • What is a Single Transfer to Mandiri?
    A service that provides convenience for you to conduct Bank Mandiri in-house fund transfer activities, both managed by companies registered on Kopra Cash Management Wholesale  (on-behalf-of accounts) and Third-Party accounts.
  • What is a Single Transfer to Other Banks?
    A service that provides convenience for you to transfer funds to other bank accounts, both domestic and overseas. There are several choices of methods:
    • BI FAST: Transfers to domestic bBnk destinations in Rupiah (IDR) destination currency, with a maximum transaction limit of IDR 250 million/transaction (per transfer).
    • Online: Transfers to domestic bank destinations with Rupiah (IDR) destination currency, with a maximum transaction limit of IDR 50 million/transaction (per transfer).
    • LLG/SKN: Transfers to domestic bank destinations with Rupiah (IDR) destination currency, with a maximum limit of IDR 1 billion/transaction (per transfer).
    • RTGS: Transfer to domestic bank destination with Rupiah (IDR) destination currency, with minimum transaction IDR 100,000,001/transaction (per transfer).
    • TT: Transfers to domestic and foreign bank destinations in foreign currencies (non-IDR).
  • How much are the transaction fees for BI FAST, Online, SKN/ LLG, RTGS and TT?
    • BI FAST: Transfer fee of IDR 2,500/transaction (Fees already included Rp19, - by Bank Indonesia)
    • Online: transfer fee of IDR 6,500. -/transaction
    • LLG/ SKN: transfer fee of IDR 2,900. -/transaction
    • RTGS: transfer fee of IDR 25,000. -/transaction
    • TT: Provision (1/8% of nominal trx, min. $5 – max. $50), Cable Fee ($5), Correspondent Fee ($25).
  • Can I transfer to Bank Mandiri accounts on holidays?
    Yes, Kopra Cash Management Wholesale  can process transactions on holidays for in-house transfer only through menu in Single transfer to Mandiri, Multiple transfer by manual input or Multiple transfer by file upload (bulk transfer).
  • Can I transfer to other Banks on holidays?
    Transfers to other banks on holidays can be made by selecting BI FAST and Online Transfer methods.
  • What is Multiple Transfer by Manual Input?
    A service that provides convenience for you to operate individual transfer mechanisms (one by one) using in-house transfers.
  • What is Multiple Transfer by File Upload?
    A service that provides convenience for you to operate multiple transfer mechanisms, either to Bank Mandiri accounts (in-house) or to other bank accounts.
  • What is Payroll Priority and Multi Service menu?
    A service that facilitates you to operate salary payment mechanisms to Bank Mandiri accounts (in-house) or to other bank accounts.
  • How do I get a sample file upload for bulk transactions?
    Kopra Cash Management Wholesale provides file upload template document in each upload menu. You can obtain the template by clicking the hyperlink “Download Template”
  • What types of files can be uploaded for bulk transactions?
    • CSV (comma)
    • TXT (Semicolon)
  • Can I fix incorrect data on Kopra Cash Management Wholesale screen without re-uploading?
    Yes, you can use the bucket feature (uploaded file list) to fix the incorrect data without having to re-upload it.
• Payment 
  • What is a Single Bill Payment?
    A menu that facilitates your bill payments by entering the customer numbers or other numbers provided by the billers.
  • What is a Multiple Bill Payment by Manual Input?
    A menu that facilitates your bill payments manually.
  • What is a Bill Payment Overview?
    A menu that shows a list of billers from which your company has invoices. With this menu, you can make payments directly or just check the bills.
  • What is a Tax Payment Overview?
    A menu that provides convenience for users to view all transactions in the government revenue module. There are 2 types of taxpayer status: activating or creating a billing ID and tax payment status. Users can view 5 records of transactions that have been made.
  • What is a Single Tax Payment?
    A menu that facilitates you to make tax payments by inputting the transactions one by one.
  • What is a Multiple Tax Payment by File Upload?
    A service that provides convenience for you to make bulk tax payments for more than one taxpayer payment.
  • What is the difference between "Tax Payment Inquiry" and "NTPN Inquiry" menu?
    • Tax Payment Inquiry: A menu for downloading BPN and NTPN from tax transactions paid through the Single Tax Payment and Multiple Tax Payment by File Upload menus at Kopra Cash Management Wholesale.
    • Inquiry NTPN: A menu for downloading BPN and NTPN from tax transactions paid through Bank Mandiri channels.
• Receivables
  • What is an Auto Debit?
    A service to debit some amount of funds from the bill recipient's account to pay bills from the biller based on pre-existing approval from the account owner.
  • What is an Auto Debit Overview?
    A summary of auto debit transactions that have been completed.
• Liquidity
  • What is Cash Pooling?
    A menu that makes it easier for users to withdraw funds from sub-accounts to source accounts of the credited accounts from certain balances in sub-accounts/credits.
  • What is Cash Distribution?
    A menu that facilitates you to distribute funds to sub-branches.
  • What is Range Balance?
    A menu that makes it easy for users to debit or credit certain accounts according to the required minimum and maximum amounts.
  • What is a Liquidity Overview?
    A menu that facilitates the users to view or display cash pooling, cash distribution, and range balances by setting the main accounts and sub accounts which will be displayed in the forms of chart diagrams and tables.
• Additional Information
  • Transaction Status
    A feature to view the status of transactions that you have made. You can check whether your transaction process which has been made, approved, released, and executed has been successful or failed.
  • Kopra Cash Management Wholesale Existing Transaction Status
    A feature to check the status of your transaction on the early version of Kopra Cash Management Wholesale so that you can check the transaction status.
  • Token
    A valid authorization tool used as a substitute for a signature of the customers to make transactions at Kopra Cash Management Wholesale.
  • Who is required to use the token?
    In each transaction approval, the Approvers must use a token, whereas releasers and sysadmins are optional to use tokens according to the customer needs. You can choose to use hard tokens or soft tokens via mobile phone.

By using Kopra Cash Management Wholesale, the customers can make transactions by using the single transaction and bulk transaction methods by file uploads.

• Mozilla Firefox version 69 and higher.
• Google Chrome version 77 and higher.
• Internet Explorer version 11 and higher.
• Opera Browser with latest version.

You need to input these 3 information items:

• Company ID.
• User.
• Password.

• Risk of User Data Security
  User data stored in the service may be exposed in the event of a cyberattack or security breach. Users must ensure access is only performed through secure devices and networks.
• Risk of Transaction Input Errors
  Errors in entering transaction data, such as the recipient's account number or transaction amount, may result in funds being sent to the wrong recipient or the transaction failing to process.
• Risk of Unauthorized Access
  If login credentials fall into the hands of unauthorized parties, user accounts may be accessed and misused to perform transactions without the user’s knowledge.
• Risk of Dependence on Internet Connectivity
  This service requires a stable internet connection for optimal use. Network disruptions may lead to transaction delays or failures.
• Risk of Non-Compliance with Security Policies
  If users fail to regularly update their passwords or use weak passwords, this increases the risk of unauthorized access to their service accounts.
• Risk of Regulatory or System Changes
  Changes in banking regulations or service systems may affect the usage or accessibility of the service.

You can reset your own password at this login page by pressing/clicking forgot your password. The new password will be sent to the email address registered at Kopra Cash Management Wholesale, or you can ask for help from Bank Mandiri officers by calling 14000.

There are several options you can do:

• Contact your sysadmin (corporate admin) to conduct the force logout via the user menu.
• Contact Bank Mandiri officers at 14000 and mention your company ID and user (never reveal your password, even to Bank Mandiri officers).
• Wait for 15 minutes while Kopra Cash Management Wholesale will automatically force logout your user.

Here are several options you can do:

• Contact your sysadmin (corporate admin) to 'unlock via the user menu.
• Contact Bank Mandiri officers at Mandiri Call 14000, choose your language, press 4 and mention your company ID and user (never reveal your password, even to Bank Mandiri officers).

You can ask for help from Bank Mandiri officers by calling Mandiri Call 14000, choose your language, press 4 (never reveal your password, even to Bank Mandiri officers).

• Flexibility and time efficiency: Perform banking transactions anytime and anywhere in real-time and online.
• Transaction security: The creation and authorization of transactions are conducted hierarchically, involving maker and approver user types, equipped with a token for authentication.
• Electronic data storage: Simplified financial data monitoring and archiving.

Individual business customers and small-to-medium enterprises holding business current or savings accounts with Bank Mandiri.

You can register for Kopra Cash Management Retail at a Bank Mandiri branch office by completing the application form and providing the required registration documents.

You are not charged administrative fees to use the Kopra Cash Management Retail service. Transaction fees apply based on the type of transaction service used.

Access the Kopra Cash Management Retail service via the website https://koprabymandiri.com by entering your credentials, such as Company ID, User ID, and Password.

Transaction authorization is conducted hierarchically, involving maker and approver users, and is secured with a token as an authentication tool.

• View account balances and download account statements
• Transfer within Bank Mandiri (In-house Transfer)
• Transfer to other banks (Domestic Transfer and International Transfer)
• Payroll 
• Bill and tax payments
• Payments for Pertamina products

Single Transfer to Mandiri
This service allows you to transfer funds between Bank Mandiri accounts, either to the company's managed accounts registered in Kopra Cash Management Retail (on-behalf accounts) or to third-party accounts.
Single Transfer to Other Bank
This service enables fund transfers to other banks, both domestically and internationally, with several method options:

• BI-FAST: Real-time (24/7) transfers to domestic banks in Rupiah with a maximum transaction limit of IDR 250 million per transaction. Transfer fee: IDR 2,500 per transaction (includes a Bank Indonesia fee of IDR 19).
• Online: Transfers to domestic banks in Rupiah with a maximum transaction limit of IDR 50 million per transaction. Transfer fee: IDR 6,500 per transaction.
• LLG/SKN: Transfers to domestic banks in Rupiah with a maximum transaction limit of IDR 1 billion per transaction. Transfer fee: IDR 2,900 per transaction.
• RTGS: Transfers to domestic banks in Rupiah with a minimum transaction amount of IDR 100,000,001 per transaction. Transfer fee: IDR 15,000 per transaction.
• TT (International Transfer): Transfers to domestic or international banks in foreign currency (non-Rupiah). Transfer fees include a cable fee of $5 and a correspondent bank fee of $25.

Payroll

This service facilitates salary payments to Bank Mandiri accounts (in-house) or other bank accounts using either manual input or file upload. A sample file and input instructions can be downloaded via the "Download Template" option in the Payroll by File Upload menu. Supported file formats are CSV and TXT.

Kopra Cash Management Retail Single User

• BI Fast             : Max Rp.20,000,000,000.00/day
• SKN                  : Max Rp.1,000,000,000.00/day
• On line            : Max Rp. 50,000,000.00/day
• In House        : Max Rp. 20,000,000,000.00/day
• International Transfer: Max Rp. 10,000,000.00/day

Kopra Cash Management Retail non Single User

• BI Fast             : Max Rp.20,000,000,000.00/day
• SKN                  : Max Rp.1,000,000,000.00/day
• On line            : Max Rp. 20,000,000,000.00/day
• In House         : Max Rp. 20,000,000,000.00/day
• RTGS                : Max Rp. 20,000,000,000.00/day
• International Transfer: Max USD 99,999/day

• Risk of User Data Security
  User data stored in the service may be exposed in the event of a cyberattack or security breach. Users must ensure access is only performed through secure devices and networks.
• Risk of Transaction Input Errors
  Errors in entering transaction data, such as the recipient's account number or transaction amount, may result in funds being sent to the wrong recipient or the transaction failing to process.
• Risk of Unauthorized Access
  If login credentials fall into the hands of unauthorized parties, user accounts may be accessed and misused to perform transactions without the user’s knowledge.
• Risk of Dependence on Internet Connectivity
  This service requires a stable internet connection for optimal use. Network disruptions may lead to transaction delays or failures.
• Risk of Non-Compliance with Security Policies
  If users fail to regularly update their passwords or use weak passwords, this increases the risk of unauthorized access to their service accounts.
• Risk of Regulatory or System Changes
  Changes in banking regulations or service systems may affect the usage or accessibility of the service.

You can reset your password on the login page by clicking "Forgot your password?". A new password will be sent to the email address registered with KCM Retail.

Contact Bank Mandiri customer service at 14000, providing your User ID and Company ID (never disclose your password, even to Bank Mandiri staff).

You can seek assistance from Bank Mandiri staff by visiting a Bank Mandiri branch or calling Mandiri Call at 14000. Choose your preferred language and press 4 (never disclose your password, even to Bank Mandiri staff).