27 May 2025

Notice of Changes to the Interest Rates/Indicative Rate of Return Calculation Method for Maybank/Maybank Savings Account iB & Maybank/Maybank iB Current Account


Dear Our Valued Customer,

We hereby inform you that effective on 15 July 2025, there will be a change in the interest rates/indicative rate of return calculation method for Maybank/Maybank iB Savings Account and Maybank/Maybank iB Current Account.

The details of this changes apply to all product accounts, according to the following table:

No Account Product Method of Interest Rate/indicative rate of return Calculation
Before 15 July 2025 Starting from 15 July 2025
1 Maybank/Maybank iB Savings Account (Regular)  Tier Split
2 Maybank Co-Branding/Maybank Co-Branding iB Savings Account  Tier Split
3 Maybank Payroll MBI Group/Maybank Payroll MBI Group iB Savings Account  Tier Split
4 Maybank Payroll Regular/Maybank Payroll Regular iB Savings Account  Tier Split
5 Maybank Payroll One/Maybank Payroll One iB Savings Account  Tier Split
6 Maybank MAKSI/Maybank MAKSI iB Savings Account  Tier Split
7 Maybank Woman One/Maybank Woman One iB Savings Account  Tier Split
8 Maybank Pro/Pro iB Savings Account  Tier Split
9 Maybank RDN/RDN iB Savings Account  Tier Split
10 Maybank SuperKidz/Maybank SuperKidz iB Savings Account  Tier Split
11 Maybank TabunganKu/Maybank TabunganKu iB Savings Account  Tier Split
12 Maybank SimPel/Maybank Simpel iB Savings Account  Tier Split
13 Maybank SuperValas/Maybank SuperValas iB Savings Account  Tier Split
14 Maybank MyArafah Savings Account Tier Split
15 Maybank RTJH Savings Account Tier Split
No Account Product Method of Interest Rate/indicative rate of return Calculation
Before 15 July 2025 Starting from 15 July 2025
1 Maybank/Maybank iB Current Account Tier Split
2 Maybank/Maybank iB Current Account Valas Tier Split
3 Maybank/Maybank iB Current Account Multi Currency Tier Split
4 Maybank/Maybank iB Current Account DHE SDA Tier Split

Note: Changes for Sharia products only apply to products with Indicative Equivalent Rate calculations and Mudharabah Mutlaqah contracts.

The Tier Calculation Method is the calculation of interest rates/indicative rate of return by multiplying the total balance by the interest rate at the level according to the balance.

The Split Calculation Method is the calculation of interest rates/indicative rate of return by grouping balances according to the nominal limit of the interest rates/extra return table, then each group is multiplied by the interest rates/extra return limit. The interest rate that must be paid to Customer is calculated by adding up the multiplication results of each group.

With this change, all Maybank/Maybank iB Savings Account and Maybank/Maybank iB Current Account products in the system will mandatorily use the giro interest/service rate calculation method and Counter Split (S) Yield Indication.

Illustration of interest rates/indicative rate of return from Maybank/Maybank iB Savings Account and current account services from Maybank/Maybank iB Current Account that apply as follows:

Table of Interest (Ilustration) :

Account Balance
(IDR)
Interest rate/indicative rate of return from Maybank/Maybank iB Savings Account & Current Account Services from Maybank/Maybank iB Current Account
(per annum/per year)

≤ 5,000,000

0.00%

> 5,000,000 - 100,000,000

0.25%

> 100,000,000 - 500,000,000

0.75%

> 500,000,000 – 1,000,000,000

1.25%

> 1,000,000,000

1.50%

Example:

A Customer have an account with balance IDR1,200,000.000
Calculation according to the following table :

  • Interest rate effective on 15 July 2025 (Split Method).
    Interest rate (gross) = Account balance x % interest rate as account balance’s level x 1 (day)/365

    End of Day Balance
    (IDR)
    Maybank Savings Account interest rate Interest Rate
    (IDR)

    Level 1

    5,000,000

    X

    0.00%

    /365

    -

    Level 2

    95,000,000

    X

    0.25%

    /365

    651

    Level 3

    400,000,000

    X

    0.75%

    /365

    8,219

    Level 4

    500,000,000

    X

    1.25%

    /365

    17,123

    Level 5

    200,000,000

    X

    1.50%

    /365

    8,219

    Total

    IDR1,200,000.000

    X

    34,212

    Total daily interest rate (gross): IDR34,212
    Interest rate tax value (20%) : IDR6,842
    Total daily interest rate (nett) : IDR27,370

  • Interest rate before 15 July 2025 (Tier Method)
    Interest Rate (gross) = account balance x % interest rate as account balance’s level x 1 (day)/365


    End of Day Balance
    (IDR)
    Maybank Savings Account interest rate Interest Rate
    (IDR)

    Total

    IDR1,200,000.000

    X

    1.50%

    /365

    49,315

    Total daily interest rate (gross): IDR49,315
    Interest rate tax value (20%) : IDR9,863
    Total daily interest rate (nett) : IDR39,452

For more information on product/services and 24/7 services, please call Maybank Customer Care at 1500611 or +622178869811 (abroad), or email to customercare@maybank.co.id (Monday – Friday at 08:00 – 20:00 WIB and Saturday – Sunday at 08:00 – 17:00 WIB).

Best Regards,
Maybank Indonesia