If your daily Rupiah balance ever falls below IDR5 million, a minimum balance fee of IDR20,000 will be charged, subject to the following conditions:

• If your Rupiah balance is insufficient, the system will debit other currencies in priority order.
• If your balance in one currency is still insufficient, the system will debit balances from several other currencies until the total fee is met.

1. Any Bank ATM in Domestic
   Free fees apply for:
   • Cash withdrawals
   • Balance inquiries
   • Inter-account transfers; or
   • Failed transactions

   For Customers who open Maybank Global Access iB Savings Account starting 29 June 2026, free fees apply if the Customer maintains a minimum average monthly balance of IDR500,000 on previous month with the following quotas:

   	Debit Card Type
   	Regular Customer (Total managed funds < IDR50 million)	Privilege Customer (Total managed funds minimum IDR50 million)
   Free Quota	5x	10x

   Transaction fees will be charged upfront and subsequently refunded to your Maybank Global Access iB Savings Account at the end of the following month, subject to applicable quota requirements.

   Information on the terms and conditions for opening a Maybank Global Access iB Savings Account is valid until 28 June 2026 Click here

2. Maybank ATMs Located in Malaysia
   Cash withdrawal fees will be charged initially and subsequently credited back to the Maybank Global Access/Global Access iB Savings Account by the end of the following month after cash withdrawal transaction is made at Maybank ATM in Malaysia, so Customers will not be charged any fees.

• Free of charge with a maximum quota for all types of transactions via M2U ID App & M2U ID Web with following conditions:

  Transaction type via M2U ID App & M2U ID Web	Average balance of the previous month
  	IDR500,000 -<IDR2,000,000	IDR2,000,000 -<IDR10,000,000	IDR10,000,000 -<IDR50,000,000	≥ IDR50,000,000
  Transfer online	-	10x	20x	35x
  Top up e-wallet
  Bill Payment
  Purchase

• Savings average balance: Includes average balance of all savings accounts (including foreign currency), installment savings, and including non-Global Access savings accounts. Maybank Current Accounts and Maybank Time Deposits are excluded.
• Free transaction quota covers a combined total of online transfers, e-wallet top ups, bill payments, and purchases.
• Free payments, purchases, and e-wallet top ups are applicable to the following billers:

  List of Billers	Free Transaction Mechanism
  Telkomsel Digital Lifestyle, Telkomsel Data Package, Telkomsel Prepaid, Indosat Data Package, XL Data Package, Axis Data Package, Shopeepay, DANA, abd PBB DKI Jakarta	Transaction fees are automatically waived by system.
  PAM Jaya, Centrin, MNC Vision/Indovision/Top TV/Okevision, First Media, PLN Postpaid, Indosat Ooredo Postpaid, Telkomsel (HALO) Postpaid, XL Postpaid, Telkom, PLN Prepaid, Gopay, OVO, E-Money Mandiri	Transaction fees will be charged upfront and subsequently refunded in the following month.

1. The natural death insurance (death not resulting from an accident) benefit  is equivalent to 2 (two) times the balance as of the last Business Day of the preceding month, subject to a maximum benefit of IDR200,000,000 per Customer.
2. The personal accident insurance (death resulting from an accident) benefit is equivalent to 20 (twenty) times the balance as of the last Business Day of the preceding month, subject to a maximum benefit of IDR2,000,000,000 per Customer.
3. The personal accident insurance (death resulting from an accident) benefit while in Saudi Arabia (during Hajj/Umrah pilgrimage) is equivalent to 22 (twenty-two) times the balance as of the last Business Day of the preceding month, subject to a maximum benefit of IDR2,000,000,000 per Customer.