It's time to optimize your funds and enjoy the benefits!

Get the opportunity to earn a cash reward/indicative extra return of up to 5.25% p.a (per annum/per year) by opening Maybank Savings Account, followed by purchasing the SR025 Retail Sukuk. Sharia compliant savings are also available.

SR (Retail Sukuk) is an investment product in the form of Government Sharia Securities (SBSN), issued and guaranteed by the Government of Indonesia specifically for individual Indonesian citizens (WNI). The Government has launched the latest series, SR025, with 3 years and 5 year tenors offered during the same offering period.

Terms & condition:

1. Applicable to Individual Indonesian citizen (WNI) Customers who do not yet have any Maybank products, as well as existing Maybank Customers.
2. How to participate in this program:
   1. Visit your nearest Maybank branch to register for the program.
      Maybank Branch Information
      CLICK HERE
   2. Must have one of the following Maybank Savings Account products:
      1. Maybank U/U iB Savings Account
      2. Maybank Global Access/Global Access iB Savings Account
      3. Maybank MAKSI/MAKSI iB Savings Account
      4. Maybank Woman One/Woman One iB Savings Account
      5. Maybank Regular/Regular iB Savings Account (excluding Wadiah-based accounts and accounts affiliated with loans)
      6. Maybank MyArafah Savings Account
      7. Maybank Payroll iB Savings Account (excluding Maybank Payroll Savings Accounts for Maybank and Maybank Group Employees)
      8. Maybank Payroll One iB Savings Account

      If you do not yet have a Maybank Savings Account, download M2U ID App and open a Maybank/Maybank iB Savings Account, or you can open the account directly when visiting a Maybank branch to register for the program.

      Guide to opening a Maybank/Maybank iB Savings Account via M2U ID App
      CLICK HERE

      Maybank Savings Accounts with joint ownership (OR/AND/QQ) are not eligible. Accounts linked to Maybank KPR Bebas Bunga or Maybank Pembiayaan Property iB Bebas facilities are also not eligible.

   3. Place funds of a minimum IDR200 million through a Maybank branch. The funds will be blocked for a minimum of 7 (seven) calendar days, with the maturity date no later than September 15, 2026. The blocked funds may be release at any time to purchase SR025 via the M2U ID App without incurring any penalty.

p.a = per annum/yearly

1. Ensure that there is an increase in the total balance by at least the amount of the blocked funds across your portfolio, including Maybank/Maybank iB Savings Account, Maybank Current Account/Current Account iB, and Maybank Time Deposit/Time Deposit iB, in all currencies, at the time the funds are blocked, compared with the last business day before the SR025 offering period (August 20, 2026). If you did not previously have any Maybank products, the initial balance used as the basis for calculation will be IDR0.
2. The total balance at the end of the SR025 offering period (16 September 2026), compared with the last business day before the SR025 offering period (20 August 2026), must not decrease.
3. Customers may participate in more than one (1) scheme.

• Cash reward terms and conditions:

1. The cash reward/extra return will be provided based on the number of days the funds are blocked in the Maybank/Maybank iB Savings Account.
2. If a Customer cancels the purchase of SR025 for any reason, including failure to obtain an allocation, the Customer will still receive compensation in the form of a cash reward/extra return in accordance with the table above.
3. If the SR025 placement amount is lower than the amount blocked in the savings account, the cash reward/extra return will be calculated proportionally based on the information in the table above.
4. The Customer will receive the cash reward, which will be directly credited to the Maybank/Maybank iB Savings Account where the funds were blocked, no later than 30 (thirty) business days after the end of the SR025 offering period.
5. The cash reward/extra return provided is net of tax, after a 20% tax deduction.

• Customers will continue to receive the applicable interest/profit-sharing in accordance with the prevailing terms and conditions.
• The reward is funded by Maybank and does not form part of the Customer's profit-sharing.
• PT Bank Maybank Indonesia Tbk reserves the right to conduct further reviews and examinations and to reject account opening applications submitted by customers, at its sole discretion, by providing notification in accordance with the applicable regulations.
• PT Bank Maybank Indonesia Tbk reserves the right to cancel, postpone, extend, or terminate this program early, as well as vary, remove, or add any of the terms and conditions, at its sole discretion, by providing notification in accordance with the applicable regulations. Any such changes will be announced on www.maybank.co.id.
• PT Bank Maybank Indonesia Tbk reserves the right, at any time and at its sole discretion, to disqualify customers who are proven or suspected of committing fraud, violating applicable laws and regulations, and/or intentionally engaging in any other manipulation in connection with the implementation of this program.

Disclaimer:

Sukuk is a capital market product and not a Bank product. As an investment instrument, Sukuk is not guaranteed by Maybank Indonesia in terms of its performance or the return of the investment value. Sukuk is also not covered by the Indonesia Deposit Insurance Corporation (LPS) deposit guarantee program. However, for Government Sukuk, the payment of returns and principal value is guaranteed by the Government of the Republic of Indonesia, in accordance with the applicable laws and regulations.