• Simplification of financial management by centralizing accounts to optimize the liquidity of the Company's funds.

• Better control and visibility of the Company's liquidity position through centralized funds.

• Operational cost efficiency because by streamlining the current account ownership, the Company does not need to manage multiple accounts.

• Increase of profit from optimizing the liquidity in one current account.

• Minimum investment for fund intermediary solutions for customers doing businesses in eCommerce and FinTech.

• The creating and managing of transaction limits are carried out independently by the Company through Mandiri Smart Account Portal or Kopra Host-to-Host.

• Flexibility in Smart Account numbering according to the Company's needs.

• Account management flexibility, including blocking/unblocking Smart Accounts through Mandiri Smart Account Portal or Kopra Host-to-Host.

• Smart Account can be transacted through Bank Mandiri digital channels, such as ATMs, EDCs, Branch Offices, Kopra Cash Management, Kopra Host-to-Host, as well as other bank digital channels (other than Bank Mandiri).

Smart Account is a sub-account of the current account. A company can independently create thousands of Smart Account accounts that are based on just one current account. The company can also set the debit and/or credit transaction limits for each Smart Account.

Kopra Smart Account can be a solution for some of the following examples of business schemes:

• Operational accounts

  Efficient cash management by centralization of the liquidity and allocation of funds within the company by means of streamlining current account ownership (replacing operational accounts with Smart Accounts).

• Petty Cash

  Cashless solutions to accommodate the allocation of petty cash/operational activities at the company's branches/units.

• Transfer of funds

  You can transfer funds easily and in real time to the Company's business counterparts via Bank Mandiri's digital channels.

• Intermediary funds/wallets/deposits

  Smart Account as an intermediary account for buying and selling activities as well as recording the deposit of funds in a wallet scheme of eCommerce or FinTech businesses.

• A company that is managing multiple current accounts (decentralized) and is having a roadmap for transformation into a centralized operational accounts (for example, impress accounts and treasury single accounts).

• A company which has the need to improve its cash management efficiency through an automated accounting process and automated reconciliations.

• A company which has the need to send money to Unbanked People and/or in the framework of programs, such as rewards/incentives and subsidies.

• A company which has the need for an intermediary account platform to support eCommerce or FinTech businesses.

• Registered as a Mandiri Giro customers.

• Users of Kopra Cash Management.

There are 6 (six) charge components associated with using Kopra Smart Account services:

• The Fee for Smart Account Number creation: Rp2.500,-
• The Fee for Smart Account Card Creation: Rp15.000,-
• Admin Fee: Rp2.500,-
• Card Admin Fee: Rp7.500,-
• Transaction Fee: Rp2.500,-
• Disbursment Fee: 0.05% maks. Rp 5 Juta

The risk that could occur during the transaction process are the full responsibility of the Card Holder. All responsibilities will be under the full authority of the Card Holder.