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Tabungan iB X-tra

Definition

iB X-Tra Saving is the saving from the third party’s fund in the form of saving with wadiah shariah principle where the fund owner gives full freedom to Bank CIMB Niaga Syariah (mudharib) to manage his/her fund. There is no such return required, except in the form of bonus to be given by the bank on a voluntary basis.

Benefits:

1. You can carry out the transactions as follows:

Payment for Telkom, PLN, Credit Card and Voucher Refilling.
It can be accessed via ATM CIMB Niaga/Niaga Syariah, ATM Bersama, and ATM Visa Plus throughout the world.
As a debit card for shopping in merchants with visa and plus logo.

2. It is being participated in the government guarantee program.
3. Information services and transactions can be accessed and done by E-banking, Call Center14041, internet banking and mobile access.

Facilities:
1. Passbook
2. ATM Card and PIN

Requirements:

1. Copy of ID Card/Passport and shows the originals
2. Fill out the opening account form
3. Minimum deposit Rp 200.000.-
4. Minimum age is ≥ 17 years old

Fees and Charges

Administration fee per month	0
Debit card administration fee per month	0
Administration fee for under min. balance < Rp. 50.000	Rp 12.500 if < SRH Min. Rp. 50.000
Closing account fee	Rp 50.000
Passbook replacement fee due to lost or broken	Rp 3.000
Debit card replacement fee (lost/broken)	Rp 20.000
Balance information from ATM Bersama	Rp 2.000
Cash withdrawal from ATM Bersama	Free of charge ≥ Rp 5 million before transaction, Rp 5.000 ≤ Rp 5 million
Transfer via ATM Bersama	Rp 5.000
Balance information from ATM Visa Plus	USD 0.5
Cash withdrawal from ATM Visa Plus	USD 2.50
Transfer to other bank by internet banking (non-RTGS) if done via RTGS	Non-RTGS Rp 5.000; RTGS Rp 25.000
Administration fee debiting	n/a
ATM Card fee debiting	n/a
Debiting of balance penalty min. < Rp 50.000	Accorded with the date of the opening account
Crediting the proceeds and debiting tax	At the end of month

Transaction Limit

Cash withdrawal limit via ATM CIMB Niaga/ATM Bersama/Visa Plus	Rp 10.000.000
Transfer limit via ATM Bersama	Rp 25.000.000
Transfer limit to other bank via ATM & SST	Rp 25.000.000
Maximum overbooking via E-Channel	Rp 50.000.000
Maximum debit transaction at Visa merchant	Rp 10.000.000
Maximum transfer to other bank via Internet Banking	Rp 25.000.000
Maximum transfer to other bank via Mobile Banking	Rp 25.000.000
Maximum purchase via ATM/SST/Internet/Mobile	Rp 10.000.000
Maximum pulse voucher purchase via ATM/SST/Internet/Mobile	Rp 1.000.000
Maximum payment via ATM/SST/Internet/Mobile	No Limit




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