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April - June 2026 Edition

WHAT'S NEW?

FEATURE HIGHLIGHT

PROMO HIGHLIGHT

TIPS & TRICK

ARTICLE

ASK THE EXPERT

What's New on M2U?

Buy and Sell Foreign Currency 24/7 via the M2U ID App

Meet your foreign currency buying and selling needs between your own accounts more conveniently through the M2U ID App.

Enjoy the following benefits and features:

Get competitive rates & real-time exchange rate information.
Conduct foreign exchange transactions of more than the equivalent of USD 100,000*.
Enjoy 24/7 access to buy and sell foreign currency to your own account, anytime and anywhere.
Maybank Super FX Savings is available in USD, SGD, EUR, AUD, JPY, and CNY.

*Supporting (underlying) documents are required to be uploaded via the M2U ID App.

MORE DETAIL

Feature Highlight

Foreign Exchange Transactions via M2U ID App, Get Competitive Rates

You can conduct foreign exchange (FX) transactions through the M2U ID App without visiting the nearest Maybank branch. Through this feature, you can buy, sell, and transfer various foreign currencies such as USD, SGD, EUR, AUD, JPY, and CNY in a practical and transparent manner. Exchange rates are displayed in real time, allowing you to monitor the best available rate before making a transaction—whether for travel, education, business, or other international needs.

In addition to its convenience, FX transactions on the M2U ID App offer competitive rates with no additional conversion fees, helping you optimize your transaction value. You can transfer foreign currency between Maybank accounts or to overseas banks via the SWIFT network, directly from the M2U ID App. With one application, you can manage your international transaction needs more efficiently, easily, and conveniently.

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Promo Highlight

Get cashback of up to IDR80,000 when purchasing electricity tokens or paying electricity bills via M2U ID App/Web.

Stay comfortable at home by ensuring your electricity payments are always on time. Enjoy cashback of up to IDR80,000 when you buy PLN electricity tokens or pay your electricity bills through M2U ID App/M2U ID Web.

Period 1 March - 31 May 2026

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Transact on the M2U ID App and Get a Chance to Win Exciting Rewards

Get the chance to take home a Yamaha Grand Filano Hybrid Lux motorcycle or the latest iPhone 17 by making as many transactions as possible on the M2U ID App. You can also win other prizes such as an Apple Watch Ultra 3 or cash rewards of up to IDR1 million. The more transactions you make, the bigger your chances of winning.

Period 1 March – 31 May 2026

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Get 75% Cashback on Mobile Top-Ups/Data Package Purchases via the M2U ID App/Web

Stay connected with sufficient mobile credit and data at all times. Purchase mobile top-ups or data packages via the M2U ID App or M2U ID Web and enjoy 75% cashback of up to IDR10,000 per transaction, with a maximum total cashback of IDR30,000 per month.

Period 1 March-31 May 2026

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SEE ALL M2U ID APP PROMOS

Tips & Trick

Tips: Building a Strong Financial Foundation for Your Family

Set Up an Emergency Fund
How to allocate a family emergency fund and the benefits of being prepared for unexpected situations.
MORE DETAIL
Use Auto-Debit for Regular Savings
Tips on setting up automatic savings for long-term family goals, such as children’s education or family vacations.
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Start Investing with Small Amounts
An introduction to investment options with low initial capital via M2U ID App, such as digital gold savings or government bonds (SBN).

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Monitor Your Family Budget Using Features on the M2U ID App/Web
How to use the 360 Digital Wealth feature to manage monthly budgets, track expenses, and view your family’s financial portfolio in one integrated dashboard.
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Set Financial Goals
Practical steps to set family financial goals (e.g. children’s education, vacation funds, retirement planning) and track progress regularly through the app.
MORE DETAIL

Article

Smart Steps to Developing a Family Financial Plan in the Digital Age
By: Bp Charles Budiman – Head, Digital Banking

As a family leader, I've learned that each phase of life brings different financial challenges. When children are young, our focus may be on daily needs and early education.As children grow older, more complex needs: further education, healthcare, and even future preparation. However, one thing remains the same for both young and established parents,

Each Phase Is Different, But the Goal Is the Same

As parents, our goal is simple to ensure our families feel secure today and remain prepared for the future. For young parents, financial planning often feels challenging because:

Income is still growing
Needs seem to come together
And priorities aren't always clear

For more established parents, the challenges are different:

Ensuring savings and assets are managed wisely
Maintaining a balanced lifestyle
Preparing for the transition to the next phase of life

But in both phases, financial planning isn't about who's the most organized, but about who's the most consistent and conscious.

Financial Planning Starts with Habits at Home

From my experience as a family leader, effective financial planning doesn't start with products, but with habits.

Simple habits like:

Knowing your routine expenses
Setting aside funds before spending them
Setting financial goals together as a family

These habits are what foster long-term discipline, both when finances are tight and when they're more flexible.

Learning to Prepare for Your Child's Future, Step by Step

One thing that almost always unites all parents is their child's education. The cost of education continues to rise, while time passes without waiting for our readiness.

Preparing for education funds early, even a small amount, provides two major benefits:

The burden feels lighter in the future
And we have room to adjust the plan over time

As a parent, what matters is not speed, but sustainability.

Financial Planning is a Form of Responsibility

As the head of a family, I believe that financial planning is not just about numbers, but a form of responsibility.
Responsibility to:

Not leave the future to chance
Not make decisions in a panic
And not postpone important things just because they don't feel urgent

The Role of Digital Technology in Family Life

In the digital age, technology should be a companion, not an additional burden.

As the head of a family, I see good technology as technology that:

Helps us be more aware of our financial situation
Simplifies monitoring without hassle
Supports healthy financial habits

Digital banking services like the M2U ID App (mobile banking) from Maybank Indonesia are here to support this process, helping families manage their finances more practically, transparently, and in a controlled manner, according to their respective life stages.

No two families have the same financial situation.Nor do plans always go perfectly. However, families who are willing to start planning their finances, regardless of their stage, are building a stronger foundation for the future. As the head of a family, these are the small decisions that I find most meaningful.

Ask the Expert

Why are separate accounts important for family financial goals and what financial goals should require separate accounts?
By : Bp Ruwi Setiawan - Head, Liabilities Business

Managing family finances isn't just about recording income and expenses, but also ensuring each financial goal has a clear "pocket." Separating accounts is an important strategy to ensure short-, medium-, and long-term plans remain on track.

Why Are Separate Accounts Important?

Preventing Funds from Being Used for Daily Needs
When funds for education, vacations, or religious activities are mixed with household operating funds, there's a risk of them being used without realizing it. Separate accounts help maintain discipline.
Simplifying Planning and Evaluation
With separation, families can clearly monitor the progress of each goal—how much has been accumulated and how much is still missing.
Building Commitment and Consistency
Special accounts create a “psychological boundary” so funds aren’t easily used for purposes other than those set.
Reducing Financial Stress
When emergency funds or education funds are separate and secure, families feel more at ease when facing unexpected needs.

However, in practice, some Customers find it impractical to have to open multiple accounts and memorize numerous account numbers. This can actually make financial management feel complicated and ultimately be ignored.

This is where integrated banking solutions become essential. Savings products from Maybank Indonesia, such as Maybank MyPlan Saving Account, Maybank EduPlan Saving Account, and Maybank U Saving Account, help families separate their financial goals without a complicated process. Through the M2U ID App, Customers can determine monthly deposits and terms according to their needs, allowing for more structured planning within a single digital ecosystem.

In the future, savings products will also be available with a variety of foreign currencies and competitive rates, allowing for anytime foreign exchange transactions through the M2U ID App between individual Maybank accounts online. This feature is particularly helpful for families planning overseas trips, ensuring that vacation funds remain separate and don't disrupt their regular budget.

Furthermore, with the support of the BI Fast Transfer feature, fund transfers between needs remain smooth without admin fees, ensuring every rupiah is put to maximum use for family goals.

Financial Goals That Should Have Separate Accounts

Here are some financial items that ideally require a separate account:s:

Emergency Fund
At least 3–6 times monthly expenses, kept separate to avoid disruption.
Children's Education Fund
Long-term goals that require consistent deposits.
Worship Fund (Umrah/Hajj)
Helps families prepare for expenses gradually and with discipline.
Family Vacation Fund
To ensure travel plans don't disrupt monthly cash flow.
Fund for Large Asset Purchases
Such as a house, vehicle, or renovations.
Retirement Fund
To ensure a secure and financially independent future.

With proper account separation and convenient digital services, family financial management becomes more focused, disciplined, and convenient. Moving forward, Maybank Indonesia's savings products will continue to offer easy, one-stop family financial management.