01 August 2025
In an increasingly dynamic investment world, many people are now turning to various financial instruments that offer high potential returns. However, amid market fluctuations and the risks that accompany them, Maybank Deposito has become a reliable choice for conservative investors. Maybank Deposito offers security, stability, and interest rate certainty.
For those who prioritise capital protection and interest rate certainty, Maybank Deposits are the ideal solution. Additionally, the process of opening an account has become even easier thanks to advancements in digital banking technology.
Maybank Deposits are savings products offered by banks that can only be withdrawn after a certain period of time. During this period, your funds will remain in the bank and earn a fixed interest rate as agreed upon initially. Unlike regular savings accounts, which offer relatively low annual interest rates that can change at any time, Maybank Deposits offer higher interest rates that remain fixed throughout the term of the deposit.
This is why Maybank Deposits are suitable for investors with a conservative risk profile. The main focus is not on aggressive wealth growth, but on ensuring that capital remains safe and generates stable returns.
Before discussing further how much the Maybank Deposit interest rate is and how to obtain it, it is important to first understand how the Maybank Deposit system works.
The basic principle is:
The interest rate you receive from a deposit is influenced by several important factors. Here is a detailed explanation:
The larger the amount you deposit, the higher the interest rate you will receive. However, it should be noted that interest rates do not always increase in line with the amount deposited. Some banks offer tiered rates, while others offer a fixed interest rate for all amounts.
Deposit tenors can vary up to 12 months. Generally, the longer the tenor you choose, the higher the interest rate offered.
Maybank Deposits are available in various currencies, such as the Indonesian Rupiah, US Dollar, and others. Generally, Rupiah deposits have higher interest rates than foreign currency deposits. Additionally, opening a Maybank Deposit can now be done online without visiting a branch office.
The interest rate you receive from a deposit is influenced by several important factors. Here is a detailed explanation:
Each bank offers different interest rates. Make sure you choose a reputable bank that also offers competitive interest rates.
Don't just choose a long term because you are tempted by higher interest rates. Adjust it to your liquidity needs. If you need funds in the near future, it is better to choose a short tenor.
With mobile banking, you can monitor your Maybank Deposit placement in real-time and access special interest rate promotions that are sometimes only available to digital users.
For those considering opening a deposit account, Maybank Indonesia offers competitive and flexible deposit products. One of its key advantages is the ease of depositing funds online via the M2U ID App (mobile banking)/M2U ID Web (internet banking).
This product is ideal for those looking for a safe, profitable, and practical digital savings instrument.
Open a Maybank Deposit/iB Online Deposit via the M2U ID App (mobile banking)/M2U ID Web (internet banking) and get interest rates/returns of up to 4.00% p.a. (per annum/per year).
The following are the interest rates/returns for Maybank Deposits/iB Online Deposits via the M2U ID App (mobile banking)/M2U ID Web (internet banking) effective from 4 August 2025:
Nominal Placement |
1 Month |
3 Month |
6 Month |
12 Month |
IDR 10 million - < IDR 100 million |
3.25% |
3.25% |
3.50% |
3.50% |
IDR 100 million - < 1 billion |
3.25% |
3.25% |
3.50% |
3.50% |
IDR 1 billion - < 2 billion |
3.50% |
3.50% |
3.75% |
3.75% |
≥Rp2 billion |
3.75% |
3.75% |
4.00% |
4.00% |
The above interest rates apply to deposits made through Maybank's digital platform (M2U ID App & M2U ID Web). Interest rates may vary for deposits made at branch offices.
If you deposit Rp100 million in a Maybank Deposit/iB Deposit online via the M2U ID App (mobile banking)/M2U ID Web (internet banking) for 12 months, the following is a simulation of the interest rate you will receive:
Nominal |
Tenor |
Interest/ |
Yield |
20% Income Tax |
Yield After Tax |
Total |
100 million rupiah |
12 |
3.50% |
IDR 3,500,000.00 |
IDR 700,000.00 |
IDR 2,800,000.00 |
IDR 102,800,000.00 |
Simulation details:
Therefore, by placing IDR 100 million in a Maybank Deposit/iB Online Deposit for 12 months, you can earn a net interest of IDR 2.8 million, without the risk of investment value fluctuations.
*This simulation is based on the effective interest rate as of 4 August 2025 for a deposit amount of Rp100 million, with an interest rate/return of 3.50% p.a. If you deposit an amount below this, the interest rate/return will be adjusted according to the applicable table.
No need to visit a branch office, you can now open a Maybank Deposit directly from your mobile phone via the M2U ID App (mobile banking). Here are the steps:
Full details can be viewed here.
Start investing safely today. Open a Maybank Deposit Online account via the M2U ID App (mobile banking)/M2U ID Web (internet banking) and enjoy convenience and competitive interest rates of up to 4.00%!