Maybank KTA via M2U ID App available This August!

Need extra funds for education, home renovation, business capital, or to fulfill a long-awaited dream?

Maybank KTA is here as a quick, collateral-free loan solution that you can now apply for anytime, anywhere, directly through M2U ID App, with no need to visit a branch.

Why apply for Maybank KTA via M2U ID App?

Maybank understands the importance of convenience and speed when it comes to loan applications. That’s why we’re offering Maybank KTA via M2U ID App, complete with these key benefits:

• No Collateral Required
  No need to pledge any assets. The process is purely based on your financial capability and credit history.
• 100% Online Process
  All steps are done through M2U ID App, no physical documents, no queues.
• Installment Simulation Before Applying
  Estimate your monthly installments based on the loan amount and tenure you choose, before submitting your application.
• High Loan Limit & Flexible Tenor
  Get access to large loan amounts customized to your needs. Borrow up to IDR 250 million for Payroll Customers and up to IDR150 million for Non-Payroll Customers, with flexible repayment periods based on your financial capacity.
• Real-Time Status Tracking
  Monitor your application progress directly through M2U ID App.
• Instant Disbursement to Your Account
  Once approved, the funds are transferred straight into your account and can be used immediately for various transactions within M2U ID App.

Applying for a Maybank KTA via M2U ID App means more than just getting financial support, it’s about enjoying a seamless, modern experience that’s fast, efficient, and time-saving.

Apply Maybank KTA and turn your plans into reality!

Bond Simulation & Learning Features

SBN (Government Bonds) features in M2U ID App just got better!

Manage and monitor both Primary and Secondary Market Government Bonds (SBN) more easily from your M2U ID App.

Now enhanced with:

• SBN coupon/return simulator.
• Learn more about SBN.
• Sell SBNs that are not being used as collateral.
• Set or change your registered account for SBN transactions.

Investing in SBN has never been more practical, right at your fingertips.
Check out the new features now on the M2U ID App!

Investment Information Feature

Now you can access all your investment information in one place.

The new menu includes:

• Market insights and mutual fund performance.
• Monitor your Primary Market SBN order status.
• Learn more about SBN.
• Check your risk profile and E-SBN investor profile.
• Set or change your registered account for SBN transactions.

Find this new feature at the bottom of the “Investment & Insurance” section on the M2U ID App.
Manage and monitor your investments more easily, everything in the palm of your hand.

Save More on Interbank Transfers with BI-FAST!

BI-FAST is a real-time transfer service from Bank Indonesia (BI) that you can conveniently access through M2U ID App.

Interbank transfers are now easier, faster, more efficient, and available 24/7, whenever you need them.

Why use BI-FAST via M2U ID App?

• More Affordable than Real-Time Online Transfer (RTOL)
  Interbank transfer fee is only IDR2,500 much cheaper than other online transfer methods.

  Transfer type	Transfer fee
  BI-FAST	IDR2,500
  RTOL	IDR6,500

• Enjoy Free Transfers
  Get free BI-FAST transfers when combined with other transactions through the M2U ID App using Maybank Tabungan or Tabungan iB.
  
  Terms and conditions apply.

Swicth to BI-FAST via the M2U ID App for smarter, easier, and more cost-effective interbank transfers at your fingertips!

HOW TO GUIDE

FEES & TRANSFER LIMITS

Activate Your U Goal Saver Account via M2U ID App

Got multiple financial goals? From dream vacations, emergency funds, education expenses, to that new gadget, you can plan it all more efficiently with the U Goal Saver feature from Maybank U Savings Account, also available in Sharia options.

With this feature, you can:

• Open up to 9 separate savings accounts for different goals.
• Set your own targets and duration.
• Enjoy competitive interest/profit sharing.
• Activate directly from the M2U ID App, no branch visit needed.

Take the first small step toward your big goals by activating your U Goal Saver account today via M2U ID App!

Mutual Fund Investment Made Easy on M2U ID App

Start investing in Mutual Funds with ease, directly from M2U ID App, starting from just IDR100,000. From your smartphone, you can buy, top up, switch, sell, update your risk profile, and monitor your portfolio anytime, anywhere. Just #M2UinAja!

Invest in Government Bonds (SBN) Easily via M2U ID App

Investing in Government Bonds (SBN) is now more convenient anytime, anywhere, right from the M2U ID App. Not only can you grow your investment, but you're also contributing to national development. SBN investments are safe, low-risk, and fully guaranteed by the Government.

Start your investment journey today and take the first step toward achieving your dreams!

Win a Vespa by Transacting on M2U ID App

Get the chance to win a Vespa scooter and other exciting prizes such as an iPhone 16, Garmin Vivoactive 6, and up to IDR1 million in cash rewards by making as many transactions as possible on the M2U ID App. The more you transact, the higher your chances of winning.

Period until 30 September 2025

Top Up E-Wallet via M2U ID App and Win Cool Gadgets

Ordering online transportation and online shopping become more flexible when paying with an e-wallet. Make a minimum of 3 e-wallet top-up transactions per month via the M2U ID App or M2U ID Web to get cashback worth IDR15,000, or make as many transactions as possible for a chance to win prizes like a Samsung Galaxy Tab S10, Galaxy A56, or a cash reward of IDR1.5 million.

Top up your e-wallet now via M2U ID App or M2U ID Web!

Period until 30 September 2025

Earn Bonus Gold Balance up to IDR5 Million from Gold Saving

Saving digital gold is now simple and rewarding with the M2U ID App. Earn up to IDR5 million in bonus gold balance every month by investing at least IDR1 million in gold via the M2U ID App.

Start investing in gold today and enjoy the benefits!

Period until 30 September 2025

Top Up i.saku via M2U ID App and Get Cashback and Prizes

Shopping for daily needs or buying your favorite snacks is now more practical and easier with i.saku. Top up your i.saku at least 3 times via the M2U ID App and get a cashback of IDR20,000 or take home a Redmi Note 14. 

Top up i.saku via M2U ID App and win prizes!

Period until 30 September 2025

Get 75% Cashback on Mobile Credit and Data Packages

Stay connected with your loved ones without the hassle. Get 75% cashback up to IDR30,000 with purchase credit or data packages via the M2U ID App/M2U ID Web. 

Life’s easier when you just #M2UinAja

Period until 30 September 2025

Often tempted to shop impulsively? Take control for a better financial future

Ever experienced running low on funds just days after payday? Discounts, flash sales, and cute snacks often tempt us into impulsive spending. Without realizing it, these habits can lead to overspending and keep us from achieving big dreams like vacations, buying a home, or enjoying a comfortable retirement.

But don’t worry, you can still enjoy life without compromising your financial future. Here are some practical ways to control impulsive spending and start building a healthier financial lifestyle.

1. Understand your spending habits

   The first step to better financial awareness is knowing where your money goes. With the Expense Tracking feature in 360 Digital Wealth via the M2U ID App, you can automatically track and categorize all your spending. You can even adjust the categories as needed and begin planning how to improve your financial behavior.
   
   Guide to Expense Tracking Click here
   
   

2. Set specific financial goals

   Saving without a goal is like walking without direction. To stay motivated, set clear targets such as “Vacation Fund of IDR10 million in 6 months” or “Retirement Fund of Rp1 billion by age 55.” The Financial Planning feature in 360 Digital Wealth helps you create realistic, measurable plans. You can define your own goals, get simulations, automatic calculations, and even product recommendations that match your goals and risk profile. Choose from various options like mutual funds, deposits, digital gold, or government bonds (SBN).
   
   Guide to Setting Financial Goals Click here
   
   

3. Separate your spending and savings accounts

   One effective way to avoid unnecessary spending is by separating your daily spending and savings accounts. With Maybank U/U iB Savings Account, it’s easier to manage your money using the Smart Savings feature through the U Goal Saver/U Goal Saver iB Account. It helps you automatically separate your savings from your spending. You can also enjoy Smart Spending benefits such as up to 10% cashback up to IDR250,000/month on debit card, QRIS, and bill payments via M2U ID App when using your Maybank U/U iB Savings Account. Make sure to activate U Goal Saver and maintain a minimum average balance of IDR500,000/month to receive these benefits.
   
   Guide to Activating U Goal Saver/U Goal Saver iB Click here
   Information on Maybank U/U iB Savings Account and Cashback for U Goal Saver/U Goal Saver iB Accounts Click here
   
   

4. Adjust your lifestyle to maintain savings

   Many people overspend due to the ease of digital transactions like QR code payments. To keep spending under control, you can set QR payment limits directly in M2U ID App. This way, you can enjoy the convenience of cashless payments while staying within a safe budget.
   
   To set your QR limit, simply open the M2U ID App, tap Settings, select QR Pay Transaction, then go to Transfer Limit and set the amount based on your preferences.
   
   How to QR Limit Setting Click here
   
   

5. Invest instead of letting your money sit idle

   Instead of letting your money sit without earning returns, consider investing. Through M2U ID App, you can access various investment products including mutual funds, government bonds (SBN), time deposits, and gold.
   
   For gold investment, you can even set up automatic recurring investments starting from just IDR10,000. This allows you to stay consistent without manual input every month. Build the habit of saving gold regularly, even small amounts can grow significantly over time.
   
   How to open Gold Savings Pegadaian Click here
   
   

6. Activate transaction notifications to stay aware

   Sometimes we overspend simply because we forget how often we shop or snack. By activating transaction notifications, you’ll receive real-time alerts every time there’s a transaction. This helps you stay aware and think twice before spending impulsively.

Build your dream life by practicing financial discipline with M2U ID App

Resisting the urge to overspend isn’t always easy. But with the many smart features available in the M2U ID App, you can manage your finances more effectively and stay focused on your goals. Start building better habits today for a more secure and comfortable future.

Make life easier, just #M2UinAja

Still Able to Save and Invest Even with Lots of Expenses? Here’s What You Can Do
Written by: Heng Yang – Head of Investment Product Head

Managing finances while handling all of life’s needs isn’t always easy. Installments, daily expenses, and lifestyle wants often make it hard to save. But that does not mean you have to delay saving and investing. The key is knowing your priorities.

Start by Setting Your Priorities
The first step is to know the difference between needs and wants. Try to list all your regular expenses, from basic needs and loan payments to lifestyle costs. Then, allocate a portion of your income for investments.

Investing should be part of your financial planning, not something you only do when you have extra money. Although the results may not be seen right away, the long-term benefits are worth it. Importantly, you don’t need to start with a big amount. Small but consistent investments are more effective than not investing at all.

Have Loans? You Can Still Invest!
Having loans does not mean you cannot start investing. In fact, by treating investment as a financial need, you are building a stronger financial foundation. For example, you can set aside small amounts regularly to buy digital gold or invest in money market mutual funds that are relatively safe and stable.

If you prefer investments with guaranteed returns and low risk, consider Government Bonds (Surat Berharga Negara or SBN), which are backed by the government. These products are also available on M2U ID App, for both primary and secondary markets.

Know Yourself Before You Invest
Before starting, it’s important to understand three main things:
1. Financial Goals –Are you saving for an emergency fund, your children’s education, or retirement?
2. Risk Profile – Are you a conservative, moderate, or aggressive investor?
3. Product Characteristics – Does the investment product match your financial condition and timeline goals?

By understanding these factors, you can choose the most suitable investment products rather than just following trends.

Easy and Practical Investing via M2U ID App
A variety of investment products are available on M2U ID App, anytime based on your needs and financial goals, including:
1. Mutual Funds
2. Digital Gold / Pegadaian Gold Savings
3. Government Bonds (SBN) – Primary and Secondary Markets
4. Maybank Deposits
5. Maybank MyPlan Savings
6. U Goal Saver

Additionally, the features in M2U ID App help you monitor your portfolio in real-time, adjust your fund allocation, and even offer savings options based on Sharia principles.