Get the opportunity to earn a cash reward of up to 5.25% p.a (per annum/per year) by opening Maybank Savings Account, followed by purchasing the Retail Savings Bond SBR015.

SBR015 is the 15th series of Retail Savings Bonds issued by the Government of Indonesia through the Ministry of Finance, specifically for individual Indonesian citizens (WNI). Available with 2-year and 4-year tenors during the offering period.

Investment Guide for Retail Savings Bond

Investment information for SBR015

Program Period: 28 September – 14 October 2026
SBR015 Offering Period: 28 September - 22 October 2026

Terms & condition:

• Applicable to Individual Indonesian citizen (WNI) Customers who do not yet have any Maybank products, as well as existing Maybank Customers.
• 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 Savings Account
     2. Maybank Global Access Savings Account
     3. Maybank MAKSI Savings Account
     4. Maybank Woman One Savings Account
     5. Maybank Regular Savings Account (excluding accounts affiliated with loans)
     If you do not yet have a Maybank Savings Account, download M2U ID App and open a Maybank Savings Account, or you can open the account directly when visiting a Maybank branch to register for the program.
     Guide to opening a Maybank 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 Properti iB Bebas facilities are also not eligible.
  3. Place a minimum of IDR100 million through a Maybank branch, which will be blocked for a minimum of 7 (seven) calendar days, with a maximum maturity date of 21 October 2026. Once the funds are released after the blocking period ends, or if the Customer unblocks the funds before maturity after completing a minimum blocking period of 7 calendar days, the Customer may purchase SBR015 via M2U ID App.

p.a = per annum/yearly

• Ensure that there is an increase in the total balance of at least the amount of funds blocked across the Customer’s portfolio, whether in Maybank Savings Account, Maybank Current Account, and Maybank Time Deposit, in all currencies, at the time of blocking compared to the last business day before the SBR015 offering period, which is 25 September 2026. If the Customer did not previously hold any Maybank products, the initial funds used as the basis for the calculation shall be IDR0. The total balance at the end of the SBR015 offering period (October 22, 2026), compared to the last business day before the SBR015 offering period (25 September 2026), must not decrease by more than the maximum limit of 5% or IDR200,000, whichever is greater.
  Business Day means a day on which the Maybank branch is open and conducts its business activities and participates in the payment system (clearing).
• Customers may participate in more than one (1) scheme.

• Cash reward terms and conditions:
  1. The cash reward will be provided based on the number of days the funds are blocked in the Maybank Savings Account.
  2. If a Customer cancels the purchase of SBR015 for any reason, including failure to obtain an allocation, the Customer will still receive compensation in the form of a cash reward in accordance with the table above.
  3. If the SBR015 placement amount is lower than the amount blocked in the savings account, the cash reward 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 Savings Account where the funds were blocked, no later than 30 (thirty) business days after the end of the SBR015 offering period.
  5. Cash reward provided is net of tax, after a 20% tax deduction.
• Customers will continue to receive the applicable interest in accordance with the prevailing terms and conditions.
• 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.
  
  

Example/Illustration

A. Customer A (successfully completed the program)

1. 28 September 2026: Customer visits a Maybank Branch and places fresh funds of IDR500 million in a Maybank U Savings Account to be blocked for 18 calendar days. There is an increase in the Customer's total portfolio balance (Maybank Savings Account, Maybank Current Account, and Maybank Time Deposit, in all currencies) compared with the last business day before the SBR015 offering period (25 September 2026).
2. 15 October 2026: The funds are released to the account in the evening/night.
3. 16 October 2026: The Customer purchases SBR015 worth IDR150 million.

Cash reward calculation received by the Customer:

1. IDR150 million will receive 5.25% p.a. cash reward = IDR310,684 (net).
2. IDR350 million will receive a 4.75% p.a. cash reward = IDR655,890 (net).
3. Total cash reward: IDR966,575 (net), which will be credited to the Customer's Maybank U Savings Account no later than 30 business days after the end of the SBR015 offering period.

B. Customer B (successfully complete the program)

1. 2 October 2026: Customer visits a Maybank branch and places fresh funds of IDR200 million in a Maybank U Savings Account to be blocked for 7 calendar days. There is an increase in the Customer's total portfolio balance (Maybank Savings Account, Maybank Current Account, and Maybank Time Deposit, in all currencies) compared with the last business day before the SBR015 offering period (25 September 2026).
2. 8 October 2026 (in the evening): Funds are released to the account.
3. 9 October 2026: Customer makes an additional fresh fund placement of IDR50 million.
4. 12 October 2026: Customer purchases SBR015 worth IDR250 million.

Calculation of the indicative additional return received by the Customer:

1. IDR200 million will receive an 5.25% p.a. indicative additional return = IDR 875,000.
2. IDR50 million will not be eligible for the indicative additional return.
3. The total indicative additional return received will be IDR875,000, which will be credited to the Customer's Maybank U Savings Account within no later than 30 business days after the end of the SBR015 offering period.

C. Customer C (did not successfully complete the program)

1. 1 October 2026: Customer visits a Maybank branch and places fresh funds of IDR200 million in a Maybank U Savings Account to be blocked for 7 calendar days. There is an increase in the Customer's total portfolio balance (Maybank/Maybank iB Savings Account, Maybank Current Account, and Maybank Time Deposit, in all currencies) compared with the last business day before the SBR015 offering period (25 September 2026).
2. 7 October 2026 (in the evening): Funds are released to the account.
3. 8 October 2026: IDR50 million is credited to the Customer's Maybank Time Deposit upon maturity.
4. 9 October 2026: Customer purchases SBR015 worth IDR250 million.

Calculation of the cash reward received by the Customer:

1. The Customer will not be eligible for the cash reward because the SBR015 purchase amount exceeds the incoming fresh funds, resulting in a decrease in the portfolio.