Stepping into 2026 with New Energy, for Better Service

Dear Valued Customer,

Allow me to wish you a Happy New Year 2026.

The beginning of a new year is always a momentum for us to renew our spirit, hopes, and aspirations to become better than the year before, and so it is for Maybank Indonesia.

We need to reflect, look back on the journey we have taken, learn from our experiences, and reorganize our steps moving forward. For us, the most important thing is to ensure that Maybank Indonesia’s Digital Banking is present in a way that feels closer, more meaningful, and delivers a pleasant experience for you.

Throughout 2025, we have seen how M2U ID App mobile banking service has increasingly become part of our customers’ daily lives. From daily transactions, shopping to investment and personal wealth management, everything can be done at your fingertips.

For us, what is most valuable is not merely numerical growth, but the growing trust of the community in making M2U ID App mobile banking a reliable companion in managing their financial lives.

Entering 2026, we will continue striving to achieve a simple yet significant goal: to make M2U ID App an increasingly easy, practical, and comfortable mobile banking solution.

Moreover, We want every Customer interaction with M2U ID App to feel more natural, more intuitive, and more attuned to your needs. Together, we will see improvements in user experience, refinements of existing features, and the development of services that make financial activities not only efficient but also well integrated.

We have also committed to continuously strengthening our digital security foundation so that every transaction is protected by even better technology. Your peace of mind and comfort are essential parts of a human-centric experience, in line with our mission of Humanising Financial Services, even in an increasingly digital era.

Going forward, the M2U ID App will continue to grow into a financial ecosystem that is ever more integrated with your daily life. We hope the M2U ID App (mobile banking) will always be present as a financial companion you can rely on.

Thank you for being part of the Maybank Indonesia journey. Every piece of feedback you share will always encourage us to learn and continue innovating. In 2026, let us move forward together, exploring various features, trying new experiences, and building warmer, more personal digital relationships.

May this year bring more opportunities, convenience, and goodness for us all.

Warm regards,

Bambang Irawan
Director of IT & Digital
Maybank Indonesia

QRIS Non-Face-to-Face Transactions via M2U ID App

Enjoy easy transactions with the Non-Face-to-Face QR feature on the M2U ID App. This feature allows you to make payments using QRIS from anywhere by uploading the merchant’s QRIS code saved on your phone through Maybank QR Pay in the M2U ID App. Simply Upload & Pay for all your shopping needs without having to visit the merchant’s location.

Recurring Transfers Between Maybank Accounts via the M2U ID App

You can now set up recurring transfers between Maybank accounts easily and conveniently through the M2U ID App. This feature helps you schedule automatic transfers according to your preferred time and amount. Whether it’s for monthly savings, family remittances, or recurring payments, everything becomes more organized without the hassle of making manual transfers each time.

Authentication Button for Confirming M2U ID Web Transactions

In addition to receiving push notifications from the M2U ID App, you can now confirm your M2U ID Web transactions by selecting the Authentication button available on the M2U ID App home screen. Every time you make a transaction via M2U ID Web, simply tap this button to approve or reject the transaction.

Foreign Exchange Transactions via the M2U ID App

On M2U ID App, Customers can easily conduct foreign exchange (forex) transactions. This feature allows you to buy and sell foreign currencies flexibly, 24/7, anytime and anywhere, directly through Maybank Indonesia’s mobile banking app, without needing to visit a Maybank branch. Access is simple, available through the Transfer menu in the M2U ID App.

In addition, the M2U ID App offers more competitive forex rates. For large-value forex purchases or sales, you can simply upload the required underlying documents directly through the app. Transactions also become clearer and more convenient, as the equivalent value of the source currency is automatically displayed when you enter the transaction amount.

Premier & Privilege Customers can also enjoy access to Special Rates. Simply contact your Relationship Manager to receive the best rate offers.

To use the buy/sell forex feature in the M2U ID App, Customers can open a Maybank Super Valas Savings Account in their desired foreign currency at the nearest Maybank branch. This savings product supports multiple foreign currencies such as USD, SGD, EUR, AUD, JPY, and CNY, and is also available in Sharia principles.

Get IDR 25,000 Cashback from Maybank QR Pay Transactions via the M2U ID App

Whether you're shopping or enjoying your favorite food, paying is easy with Maybank QR Pay via the M2U ID App. Earn IDR 25,000 cashback by making a minimum of 4 QR Pay transactions via the M2U ID App with a total accumulated transaction value of at least IDR 150,000 per weekly period. Valid at all merchants with the QRIS logo.

Period 29 September 2025 – 8 February 2026

Make Transactions on the M2U ID App and Get Exciting Rewards

Make your dream come true of owning a Vespa Sprint or enjoy a holiday abroad with a travel voucher worth IDR 25 million! You also have the chance to win other attractive prizes such as an iPhone 16, Samsung TV, Dyson Supersonic hair dryer, SMEG blender, and cash rewards of up to IDR 1 million simply by making as many transactions as possible on the M2U ID App. The more often you transact, the greater your chance to win your dream prizes!

Period 1 December 2025 – 28 February 2026

M2U Run Together, Stay Connected: Driving Togetherness and Healthy Living with the M2U ID App

Jakarta, October 19, 2025 – A healthy lifestyle embodied through enthusiastic participation in sports has become an essential part of modern life. In line with this enthusiasm, M2U ID App, the mobile banking application from Maybank Indonesia, organized an event called “M2U Run Together, Stay Connected” as a platform to inspire the community to be more active, healthy, and connected through positive activities such as running together.

Organized at ON3, Gelora Bung Karno, the event invited participants, both Maybank Indonesia’s Customers and non-Customers, to join a 5K FUN RUN. Beyond promoting a sense of togetherness and a healthy lifestyle, the activity also served as a platform to strengthen connections among runners, especially those who are new to Maybank Indonesia, while fostering new relationships.

The event continued. After the run, an exclusive talk show was held, hosted by Mr. Charles Budiman, Head, Digital Banking Maybank Indonesia. In this session, participants had the opportunity to gain insights on running, health, race preparation, as well as the importance of having a strong financial foundation.

The talk show featured three inspiring speakers sharing their experiences and expertise:

• Mr. Widya Permana, Operations Director of Maybank Indonesia and Project Director of Maybank Marathon, who shared how running can be a philosophy of life.
• Mr. Alit Aryaguna, CEO of Dashsport, a community and sports technology expert with deep understanding of the modern running scene.
• Dr. Andhika, who provided guidance on how to run safely and healthily.
  

Celebrate Special Days By Setting and Managing Your Finances in the M2U ID App

Special occasions, such as birthdays, anniversaries, Valentine’s Day, or other meaningful moments are best celebrated in memorable ways. However, without proper financial preparation, these celebrations can become a burden on your finances. That’s why setting aside a special budget for these moments is so important. With careful planning, you can enjoy your special day without financial stress. Here are some tips & tricks to help you prepare your budget more effectively for those special occasions.

1. Plan your estimated expenses early

   One of the most important steps is to estimate the total cost for your celebration. Try to list everything in detail to avoid missing any expenses. Once you have your estimate, set aside funds regularly in a separate savings account so it doesn’t mix with your other budgets. You can also create a financial goal for your special day through the 360 Digital Wealth feature in M2U ID App, which helps guide you toward the most suitable saving and investment options.

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2. Take advantage of transaction promos

   To make the most of your budget, don’t forget to make use of various transaction promos available for transactions via M2U ID App. From shopping discounts and cashback offers to special merchant deals, these promos can help you celebrate more affordably, without compromising on quality or joy.

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3. Track your spending to stay within budget

   To keep your celebration budget on track, it’s important to monitor your spending closely. Use the Account Statement Access & download feature in M2U ID App to easily review where your money goes and adjust expenses when needed. You can also view your account statement in an interactive format with detailed graphics and charts.
   

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Setting a dedicated budget for your special day not only helps you plan your celebration better but also gives you financial peace of mind. With thoughtful planning, smart use of promos, and regular spending checks, you can enjoy your special moments without affecting your essential budgets.

Happy planning and celebrating your meaningful moments!

Protection as a Vitamin for Healthy Finances
By: Johan Harsa, Head, Bancassurance & Investment Maybank Indonesia

We all know how important it is to keep our bodies healthy. We eat nutritious food, exercise regularly, and get enough rest. But often, one crucial thing is overlooked: financial health. Just like our bodies, our finances can also “get sick” if not properly taken care of. One of the most effective ways to keep your finances healthy is by having protection.

Health Is More Than Just a Strong Body
A healthy lifestyle isn’t just about jogging or drinking green juice every morning, but also about being prepared to face life with balance, especially when unexpected risks arise.

We never know when illness may strike, when accidents might happen, or when we might lose someone we love. However, we can prepare ourselves so we don’t become financially unstable when those moments come. This is the essence of protection: it’s not just about buying a policy, but about maintaining life’s stability amid uncertainty.

Many people think, “I’m still young, I don’t need insurance yet.” In reality, protection should be part of your lifestyle planning while you’re still in your productive years. The earlier you start, the lighter the cost and the greater the benefits you can enjoy later.

Protection = Financial Immunity
Think of insurance as a vitamin for your finances. It won’t make you immune to risks, but it strengthens you when those risks arise. Just like vitamins quietly working behind the scenes, protection brings peace of mind because you know you have support if something happens.

When your body gets sick, you can rest and recover. But when your finances “get sick” due to lack of protection, the recovery can be much longer and more painful. This is why building financial immunity is important.

Protection isn’t just about the sum assured, it’s about peace of mind. When you know your family is protected, your mind is calmer, allowing you to focus on what truly matters: health, career, and happiness.

Protection Made Easier Through the M2U ID App
Now, everything can be done more simply. With With M2U ID App (mobile banking), Maybank Indonesia’s Customers can purchase MyProtection Simple from Allianz, a life insurance product designed for those who want protection that’s quick, easy, and meaningful.

With regular premiums starting from just Rp100.000,- per month, MyProtection Simple provides coverage of up to:

• 100% of the Sum Assured (SA) in the event of death due to natural causes,
• 200% SA in the event of accidental death,
• and even 100% premium refund if the Insured survives until the end of the policy term and the policy remains active.

No complicated health surveys, no need to meet an agent. Everything can be done right from your phone through the M2U ID App, practical and transparent. This means no premiums are “wasted.” Every rupiah you pay is an investment in peace of mind.

Making Protection Part of a Healthy Routine
Financial health, much like physical fitness, requires discipline and planning. Start with simple habits: saving regularly, investing based on your risk profile, and of course, having basic protection.

You could say that protection is the foundation before taking bigger steps. No matter how good your investments are, they can crumble if a major risk hits and you aren’t protected. MyProtection Simple helps you build that foundation, easy to purchase, affordable premiums, and clear benefits.

Ending the Year with Peace of Mind
Life is full of surprises, but that doesn’t mean we need to live in fear of the risks ahead. With the right protection, we can move forward with confidence, pursue our dreams, and enjoy life without worrying about “what if.” Because true healthy living is not only about a strong body, but also a calm mind and well-protected finances. Now, via M2U ID App, achieving holistic health, that includes body, mind, and finances, becomes easier and more attainable than ever.

How Can We Prepare and Manage Our Finances to Support Sports Activities, Whether for Annual Events or Everyday Exercise Needs?
Oleh : Djumeina Tenteram, Head, Segmentation & Customer Growth Maybank Indonesia

As public awareness of healthy living continues to grow, sports have become part of many people’s identities and routines. More than just physical activity, sports reflect a commitment to balance, mental well-being, and a better quality of life. However, behind the enthusiasm for staying active and healthy, one crucial aspect is often overlooked: financial planning to sustain sports activities in the long run.

Like any hobby, sports require proper financial planning. Membership fees, equipment costs, and participation in sports events all have different financial impacts. As certain sports, like padel, grow more popular as social and competitive activities, the need for budgeting for memberships, training, and specialized equipment also increases.

To maintain a healthy lifestyle without straining your personal finances, the four-step M-O-V-E approach serves as a practical guide to help plan, organize, and optimize every health-related expense, allowing fitness, enjoyment, and financial stability to go hand in hand.

• M – Map Your Goals (Understand the Goals You Want to Achieve)
  Every step we take in life reflects the goals and values we want to pursue. We need to understand what truly matters to us, because this becomes the foundation for making wise decisions. The same applies to living an active and healthy lifestyle, by knowing your personal goals, you can plan your activities more accurately, effectively, and sustainably.
• O – Organize Budget (Allocate Your Budget Wisely)
  Sports budgeting should be treated with balanced priority alongside basic needs or savings. Clear budgeting ensures consistency in physical activity while maintaining overall financial stability. Start by estimating the routine expenses you’ll incur each month and take note of variable annual needs so you won’t disrupt other financial priorities.
• V – Validate Resources (Maximize Opportunities)
  Optimizing sports spending doesn’t mean reducing the quality of your experience. Instead, it means being smart in gaining the maximum benefit from available opportunities. Today, many sports service providers and equipment brands offer attractive promotions for memberships, classes, and training gear. By utilizing these facilities and promotions wisely, you can maintain a consistent healthy lifestyle without worrying about financial pressure.
• E – Ensure Safety & Evaluate (Protection and Regular Evaluation)
  Staying healthy isn’t only about working out regularly but also about ensuring every activity is done safely and sustainably. Intense sports also come with injury risks that must be anticipated. Therefore, it’s essential to build strong financial protection, starting from preparing an emergency fund specifically for health and fitness, to ensuring your insurance covers injuries related to physical activity. Besides protection, regular evaluation is also key. Revisit your habits, priorities, and expenses related to your healthy lifestyle. By reviewing your budget and achievements, you can adjust your strategy to remain relevant, efficient, and meaningful.

Using Maybank Indonesia’s mobile banking app, M2U ID App, users can manage their finances through the 360 Digital Wealth feature. This feature enables asset and loan portfolio management, expense monitoring, and financial planning.

To help achieve financial goals more effectively, users can set short- and long-term targets, such as preparing for a marathon event, in 360 Digital Wealth, and receive recommendations on product allocation or investment amounts required to reach those targets. In addition, we are given the flexibility to determine our investment allocation according to our individual needs and preferences.

Ultimately, managing finances to support a healthy lifestyle is not merely about calculating expenses, but about creating a balance that makes life feel healthier, happier, and more sustainable. With thoughtful planning, leveraging available opportunities, and conducting regular evaluations, exercise can become a consistent activity without straining your wallet.

By applying the M-O-V-E steps, we learn that maintaining health and managing finances are not two separate things, but rather complement each other in building a stronger, more balanced, and more energetic life. A healthy lifestyle is no longer just a dream, but a long-term investment in oneself.