Mandiri Smart Account

• 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.

• Transaction limit opening and management are done independently by the company through the Mandiri Smart Account Portal or Kopra Host to Host (API) integration.

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

• Flexibility in account management, including blocking/unblocking Smart Accounts through the Mandiri Smart Account Portal or Kopra Host to Host (API) integration.

• Smart Accounts can be transacted through Mandiri Bank's digital channels, such as ATM, EDC, Branch Offices, Kopra Cash Management, Kopra Host to Host Payment, as well as digital channels of banks other than Mandiri Bank.

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. Rp5 juta

Prospective users of the Mandiri Smart Account (MSA) can contact the nearest Bank Mandiri branch to be further followed up by the Transaction Banking Wholesale Region team.

It is the limit set to restrict the amount of debit and/or credit transactions on the Smart Account.

The limit amount refers to the limit set by the customer for each Smart Account number. The use of the limit also depends on the available balance in the Master Account (Checking Account).

The validity period of the Smart Account limit refers to the time frame set by the customer for each Smart Account number.

A type of Debit Card issued by Bank Mandiri for the Mandiri Smart Account (MSA) service. Currently, there are 2 types of Debit Cards issued, including:

Customers can request the issuance of a Smart Account Debit Card from Bank Mandiri through the Mandiri Smart Account Portal, which is accessible to customers.

The validity of the Smart Account Debit Card is according to the month and year printed on the physical card.

The Smart Account holder can contact the customer’s PIC (Person in Charge) to unblock the Smart Account Debit Card or to re-issue the PIN through the Mandiri Smart Account Portal. Alternatively, the Smart Account holder can visit the nearest Bank Mandiri branch to unblock the Smart Account Debit Card or to re-issue the PIN.

The Smart Account holder can contact the customer’s PIC (Person in Charge) to request a replacement for the damaged Smart Account Debit Card.

The cut off time for the Mandiri Smart Account service follows the applicable cut off time rules for transactions (e.g., COT for SKN/RTGS transactions in MCM).

• Smart Account Holder visit the nearest bank mandiri branch 
• Smart Account Holder fill out the Deposit/Clearing/Transfer/Collection Form (FFO 079) with the following details:
  • Name    : Name of VA owner
  • Account Number    : VA Number (prefix 81xx )
  • Bank    : Mandiri
  • Depositor    : Depositor Name
  • Address & Phone Number    : Depositor Address
  • Amount and In Words    : As per deposit amount 
• The Smart Account Holder submits the Deposit/Clearing/Transfer/Collection Form (FFO 079) and Identity (KTP) to the Teller and informs them accordingly.
• The Teller inputs the following in BDS (Banking Data System):
  • Enter contract number 2349
  • Enter the VA Number (prefix 81xx ).
  • Select CIF (Custmer Information File)
  • Enter the depositor's NIK/KTP (ID number)
  • Enter the amount to be deposit
  • Enter the note or message to be included (e.g., Deposit Purpose/Outlet Name)
• As proof of payment, the Smart Account Holder will receive a validated slip and advice.

• The Smart Account Holder visits the nearest Bank Mandiri branch
• The Smart Account Holder fills out the Withdrawal Form (FFO 011) with the following details:
  • Account Holder Name    : Name of VA Holder
  • Account Number    : VA Number (prefix 81xx )
  • Amount and In Words    : As per withdrawal amount
  • Message/Note    : (e.g., Withdrawal Purpose/Outlet Name)
• The Smart Account Holder submits the Withdrawal Form (FFO 011) and informs the Teller.
• The Teller inputs the following in BDS (Banking Data System):
  • Enter contract number 2300.
  • Enter the Debit Account Number with the VA number (prefix 81xx ).
  • Enter the cash amount as stated in the withdrawal form.
  • Enter the note/message to be included (e.g., Withdrawal Purpose/Outlet Name).
• The Teller asks the Smart Account Holder to enter the Smart Account Card PIN on the available PIN Pad.
• As proof of payment, the Smart Account Holder receives a validated slip and advice.

• Possible disruption in the communication network that causes access to MSA services to be disrupted / cannot be done.
• The possibility of anomalous delays in sending transaction reports to the SAMS Portal service.

The Smart Account Holder can contact Bank Mandiri through the following channels:

• Mandiri Contact Center: Call 14000
• Bank Mandiri Branch: Visit the nearest branch
• Mandiri Service Desk: You can reach the service desk via email at mandiri.servicedesk@bankmandiri.co.id