Bank BTPN

Bank BTPN is a foreign exchange bank and is a merger between PT Bank Tabungan Pensiunan Nasional Tbk (BTPN) and PT Bank Sumitomo Mitsui Indonesia (SMBCI).

Bank BTPN is focusing to serve the mass market segment comprising of retirees, micro-, small- and medium-enterprises (MSME) and mass market; the consuming class segment; and corporate segment. The business focuses are supported by Bank BTPN business units including BTPN Sinaya – a financing business unit, BTPN Purna Bakti – a business unit focusing to serve retirees, BTPN Mitra Usaha Rakyat – a business unit focusing on micro businesses, BTPN Mitra Bisnis – a business unit focusing on serving small and medium enterprises, BTPN Wow! – a financial inclusiveness focusing on the unbanked segment, Jenius – a digital banking platform serving the consuming class segment, and corporate business unit which focuses on serving national, multinational and Japanese companies. BTPN also has a subsidiary namely the BTPN Syariah which focuses on serving customers from the mass market. Through the Daya Program, which is a sustainable and measurable empowerment program for the mass market, Bank BTPN regularly gives training and information to improve the customers’ capacity so they can grow and have a chance to live better.

Like the two inseparable sides of a coin, the empowerment program is an integrated element in our business model. Through our all products and activities, Bank BTPN always tries to create opportunities for our customers to develop and live a more meaningful life. Bank BTPN

BTPN Taseto Premium

A specially designed savings account product to help you experience the flexibility of savings accounts while enjoying the optimum level of return. 

Product overview 

• Offers competitive interest rates
• Account can be accessed from BTPN branch offices
• Equipped with ATM/debit Card
• All paid interest are subject to taxes stipulated by the government 
• Minimum amount of initial deposit Rp 1,000,000
• Minimum balance to be eligible for interests is Rp 5,000,000
• No hold amount by system (start from 18 September 2017)
• Information services regarding account transactions are available from Sinaya Notification (through SMS and e-mail). To access the Sinaya Notification services automatically, customers should use cellular services from a local GSM provider (Telkomsel, XL, Indosat, Axis or Three)
• Information about account transactions is provided in electronic statement (e-statement)*

*To access the e-statement service, a customer must first register with the BTPN.

• Easy transactions, including balance checking, cash withdrawal and interbank transfer in ATM Bersama and Prima Networks, and debit transactions in Prima/BCA Network
• Free transaction fees in Prima ATM/Debit Network and ATM Bersama Network should a customer meets the BTPN’s terms and conditions. For a complete information please refer to the Rates and Fees Information that is available in the nearest Sinaya branch office. Bank BTPN
  

BTPN Taseto Bisnis

With interest rate that equals to that of time deposits, BTPN Taseto Bisnis is specially designed for corporate customers. 

Product overview

• Offers competitive interest rates
• Account can be accessed from BTPN branch offices
• All paid interest are subject to taxes stipulated by the government 
• Minimum amount of initial deposit and withheld balance: Rp 10,000,000
• Minimum balance is Rp 10,000,000 otherwise subject to penalty
• Minimum balance to be eligible for interests: Rp 10,000,000
• Interest is calculated on daily balance using the threshold method Bank BTPN
  

BTPN Tabungan Pasti

A savings account product for individual customers that provides optimum comfort and simplicity in transactions.

Product overview

• Offers competitive interest rates
• Account can be accessed from BTPN branch offices
• All paid interest are subject to taxes stipulated by the government 
• Minimum amount of initial deposit and withheld balance: Rp 10,000,000
• Minimum balance is Rp 10,000,000 otherwise subject to penalty
• Minimum balance to be eligible for interests: Rp 10,000,000
• Interest is calculated on daily balance using the threshold method

Reports are provided in a passbook that can be signed by a maximum 2 (two) authorities/parties authorized by a customer. Bank BTPN

Pension Savings

Tabungan Citra Pensiun

This is a savings product that is specially designed to provide comfort for pensioners and those who would enter retirement in conducting banking transaction.

Light

• No minimum initial deposit
• No minimum balance
• Light administration fee

Easy

• Easy procedure
• Free to open an account and have transactions in more than our 450 branch offices in Indonesia Bank BTPN
  

Savings Account

BTPN Wow! savings account product is the embodiment of BTPN’s commitment to carry out the Laku Pandai (Branchless Banking for Financial Inclusion) program initiated by the Financial Services Authority (OJK). With BTPN Wow!, you do not need to come to the nearest banks to carry out your transactions. BTPN Wow! offers branchless banking solutions for the segment which has no access to banking by offering the transfer service, bill payment and other features that could be accessed through standard mobile phone.

With BTPN Wow!, opening an account, saving and cash withdrawing can be done through the nearest BTPN Wow! agents.

Product features

• Competitive interest rate
• Minimum initial deposit Rp 0
• Minimum balance Rp 0
• Monthly fee Rp 0
• Saving and withdrawing at the nearest BTPN Wow! agents
• Different saving accounts can be made for different purposes
• Your mobile phone number = your account number
• Access your account through your mobile phone by pressing *247# or using the internet
• Notification on every transaction using short messaging system (SMS) for every financial or non-financial transaction Bank BTPN

Savings

Apart from saving your money in Active Balance, you can also opt to save money in three types of savings based on your financial goals. You can use one, two, or all those three and let Jenius help to make your goals and dreams happen. Bank BTPN

Deposito Flexi

Time deposit with attractive return and liquidity feature where fund can be withdrawn anytime without any penalty.

Product overview    

• The product offers a return that is accordance to the interest rate that is agreed upon the beginning of the funds placement, should no withdrawal made until the deposit term ends.
• Customer will not be penalized for withdrawal prior to maturity but interest paid will be adjusted or will not be paid (depending on withdrawal period).
• All paid interest are subject to taxes stipulated by the government 
• The minimum amount of principal is Rp 10,000,000
• Maturity periods are available for 1, 3, 6 and 12 months.
• The maturity period can be extended automatically (Automatic Roll Over-ARO)
• An extension can be made for the amount of the principal only or the amount of the principal and the interest.
• Interest can be paid in monthly scheme or when the term ends.
• Information services regarding time deposit transactions are available from Sinaya Notification (through SMS and e-mail). To access the Sinaya Notification services automatically, customers should use cellular services from a local GSM provider (Telkomsel, XL, Indosat, Axis or Three (3)).
• Information about the accounts is provided in time deposit advice and/or electronic statement (e-statement)*. Bank BTPN
  

Deposito Berjangka

Gives customers an ease to determine the maturity period for their deposits. You can choose from a variety of options from 1 to 12 months, 18 months, or 24 months.

Product Overview

• The product offers a return that is accordance to the interest rate that is agreed upon the beginning of the funds placement, should no withdrawal made until the deposit term ends.
• A customer who withdraws his or her funds before the maturity date will become a subject of penalty and will not eligible to receive the accrued interest.
• All paid interest are subject to taxes stipulated by the government 
• The minimum amount of principal is Rp 10,000,000
• Maturity periods are available for 1-12 months, 18 months and 24 months.  
• The maturity period can be extended automatically (Automatic Roll Over-ARO)
• An extension can be made for the amount of the principal only or the amount of the principal and the interest.
• Interest can be paid in monthly scheme or when the term ends.
• Information services regarding time deposit transactions are available from Sinaya Notification (through SMS and e-mail). To access the Sinaya Notification services automatically, customers should use cellular services from a local GSM provider (Telkomsel, XL, Indosat, Axis or Three (3)).
• Information about the accounts is provided in time deposit advice and/or electronic statement (e-statement)*.

*To access the e-statement service, a customer must first register with the BTPN. 

• Available in foreign currencies US Dollar, Singapore Dollar dan Japanese Yen Bank BTPN
  

GIRO

BTPN Giro (demand deposit account) is specially designed to support business activities of our individual and non-individual customers.

Product overview

• It is a demand deposit account equipped with check book and bilyet giro book
• Account can be accessed through BTPN branch offices
• ATM card service is available for individual customers
• All paid interests are subject to taxes stipulated by the government 
• Minimum amount of initial deposit:
  • For individual customers: Rp 500,000
  • For non-individual customers Rp 1,000,000
• Minimum balance: Rp 1,000,000
• Information services regarding account transactions are available from Sinaya Notification (through SMS and e-mail). To access the Sinaya Notification services automatically, customers should use cellular services from a local GSM provider (Telkomsel, XL, Indosat, Axis or Three (3)). Bank BTPN
  

Giro Mitra and Giro Bisnis

BTPN Giro Mitra and Giro Bisnis provides comfort of transaction procedure for you and your business partner.

Description:

1. Accounts can be opened on behalf of individuals and business as well as a joint account (between individual/business).
2. Withdrawal / booking transfer using check / giro also through ATM card, internet banking and mobile banking (only for individual account).
3. Giro online deposit service in branches and monthly account statement reports will be sent automatically. Bank BTPN
   

Corporate Account

Access and navigate your fund with our savings products as we can equip you with the tools to support your daily banking needs and help you stay on top of your finances.

Current Account

Our Current Account is designed to support your business needs. Access your account from anywhere in the world and control your transactions online conveniently. Adding more value to your business, we can equip you with our Escrow Account(s) to support diverse business and project requirements under specific arrangement and condition.
For transactional purposes, our Current Account supports 12 different currencies: IDR, USD, JPY, AUD, SGD, EUR, GBP, HKD, CHF, THB, CNY, and INR. For withdrawal purposes, we support 3 banknote currencies: IDR, USD, and JPY.

Corporate Account

1. Deposit and withdrawal of fund can be served at our counters using deposit slip during bank’s opening hours (08:30-14:30).
2. No initial deposit nor minimum balance required for the opening account.
3. The customer is required to provide clear, true and accurate information upon opening an account in compliance with standard Bank Indonesia’s regulation.
4. Bank reserve the rights to disregard the opening account application and/or force-close the account should any in compliance with policy and regulations found. Bank BTPN
   

Working Capital Loan & Investment Loan

Grow your business with us as we can support you with our range of corporate loan facilities. Whether you need a simple short-term financing to manage day-to-day operation or longer-term financing to fuel your project or business growth, our Relationship Managers are always ready to help you.

Investment Loan

Longer financing terms increase flexibility in maneuvering your capital expenditure cost, yet, minimize the immediate impact on operational cash flow. Either to purchase assets or equipment, BTPN Wholesale is able to support you with medium to long term loan at competitive interest rates.

Working Capital Loan

We understand that covering the gaps in working capital to meet your cash flow requirement is essential for your business. At BTPN Wholesale, we provides loan facilities in IDR, USD and JPY for corporate customers such as short-term financing and export-import related loan to support your day-to-day operational expenditure at competitive interest rates.

1. Market Risk
   Risk of financial losses due to changes in market prices. In association with lending and borrowing activities, there are 2 (two) kind of market risks that may impact both Debtor and Creditor financial position:
   1. Interest Rate Risk
      Risk that arise due to fluctuating interest rates. If debtors are paying floating interest rate for the loan, they are exposed to fluctuating interest rates which will impact to increasing amount of loan installment that needs to be paid.
   2. Exchange Rate Risk
      Risk that arise from the fluctuations in value of one currency against another. Debtors are exposed to exchange rate risk if they have loan in foreign currency. If the valuation of the loan currency appreciates against its payment currency it will impact to the amount of loan installment or principle that needs to be paid.
2. Credit Risk
   Risk of default on a debt that arises from a debtor fails to fulfill the obligation to pay interest installment or principle amount in accordance with the credit agreement. In this case, bank as Creditor have full rights to impose early termination of facility, demand full loan repayment and apply any fees and charges related to the early termination of the facility.  Bank BTPN

Syndication

Innovative Financing, Seamless Syndication Solution, Relationships Focus.

We offer one of the most efficient, competitive and relationship driven global network in the world. Clients can count on us for innovative financing solutions and our ability to syndicate loans seamlessly across borders with flawless execution.

Market Leader with a Team of Professionals

Together with SMBC group, we are a market leader in the Asia (ex-Japan) syndicated loan market with teams in Sydney, Hong Kong, Singapore, Shanghai, Tokyo, London and New York providing a strong global distribution capability. SMBC promotes the growing financial solution business throughout Asia covering Australia, China, Cambodia, Hong Kong, Macau, Mongolia, Myanmar, India, Indonesia, Malaysia, the Philippines, Singapore, South Korea, Taiwan, Thailand, and Vietnam. We offer loan structuring, underwriting, primary loan distribution, and secondary market activities across all sectors. Our specialists coordinate with SMBC’s Loan Syndications teams in Asia and EMEA to provide seamless and innovative financing solutions on an international scale. SMBC has consistently ranked amongst the top 5 Mandated Lead Arrangers in Asia for the past 15 years (by Thomson Reuters). Bank BTPN

1. Market Risk
   Risk of financial losses due to changes in market prices. In association with lending and borrowing activities, there are 2 (two) kind of market risks that may impact both Debtor and Creditor financial position:
   1. Interest Rate Risk
      Risk that arise due to fluctuating interest rates. If debtors are paying floating interest rate for the loan, they are exposed to fluctuating interest rates which will impact to increasing amount of loan installment that needs to be paid.
   2. Exchange Rate Risk
      Risk that arise from the fluctuations in value of one currency against another. Debtors are exposed to exchange rate risk if they have loan in foreign currency. If the valuation of the loan currency appreciates against its payment currency it will impact to the amount of loan installment or principle that needs to be paid.
2. Credit Risk
   Risk of default on a debt that arises from a debtor fails to fulfill the obligation to pay interest installment or principle amount in accordance with the credit agreement. In this case, bank as Creditor have full rights to impose early termination of facility, demand full loan repayment and apply any fees and charges related to the early termination of the facility.
   

BTPN Wow! Tempo

BTPN Wow! Tempo is a productive loan dedicated for selected retailers in various micro economic sectors.

Benefit for retailers:

• Scale up business

• Manage positive cash flow

• Reduce out-of-stocks 

Minimum application requirements for BTPN Wow! Tempo:

• Indonesian ID Card

• 21-60 years old 

• Already have a business for at least 2 years

• Agree to BTPN Wow! Tempo Terms and Conditions  Bank BTPN
  

Project Finance

Partnering with our clients to provide comprehensive Project Finance solutions.

Together with SMBC, we are recognized as a leader in project finance in the Asia Pacific region, with a depth of experience across a wide range of products and dedicated professionals staffed in locations across Southeast Asia, India, China, East Asia and Australia.
In Asia Pacific, SMBC has been actively supporting its clients in providing project financing services since the mid 1990s with Singapore offices serves as the regional headquarters for project finance in Asia.
SMBC has consistently received industry recognition for its leading edge services and product knowledge, as evidenced by awards including Asia Pacific Financial Advisor of the Year by IJ Global, Asia Pacific, and Indonesia Project Finance House of the Year by the Asset in 2016.

Power and Infrastructure Finance

SMBC has an established track record in the Asia Pacific region for the financing of power and infrastructure projects. We have a strong lead arranging and lending capability for a broad range of sectors including the following: Sector Coverage – Power, Renewables, Oil & Gas, Offshore Maritime, LNG Shipping, Mining (coal, metal and minerals etc.), PPP, Transportation, Infrastructure, TMT, etc.

Our services include:

• Lead arranging structured finance transactions
• Debt underwriting and distribution capability
• Strong presence in emerging markets
• Innovative financing solutions Bank BTPN

ECA Financing

We provide short to long term financing to clients in conjunction with accredited countries’ Export Credit Agencies (ECA), Global ECA, and Multilateral platform with on the ground presence of dedicated specialists managing relationships internationally. Our team has extensive experience arranging services for agency financing, working with export credit agencies, development banks and multilateral agencies. Bank BTPN

Term Loan

This product is designed to align with our commitment to be Customers' best partner, especially to answer Customers' needs in working capital that is permanent, seasonal, or contractual based.

Product Overview

• Maximum installment is 12 months and can be extended
• Revolving and withdrawable during the loan period
• Customers can partially or fully withdraw based on their business needs by using cheque, bilyet giro or other electronic transaction channel which is agreed by the bank and the customer.
• For further information, please contact our Relationship Manager at the nearest BTPN branch. Bank BTPN
  

Kredit Karyawan (Employee Loan)

It is a credit facility which is specially designed for full time employees in business entities and companies which have a partnership with Bank BTPN.

This product offers payment installment period of up to 60 months with a maximum credit of Rp 300 million and easy payment process through payroll auto-deduct or bulk payment.

• Without Collateral
  • Employees can take loans without needing to prepare any collateral asset
• Simple Repayment
  • When done through Jenius Payroll, the repayment will be deducted directly from the employee’s payroll
• Employee loan requirements:
  • For full-time employees in business entities/companies which has a partnership agreement with BTPN only
  • Minimum of 2 years of service
  • Minimum monthly salary of IDR 3 mio
• Disbursement to Jenius Account
  • ​Jenius is a simple life finance tool through a smartphone-based application and Visa Debit Card
  • Jenius is a secure digital bank platform guaranteed and monitored by LPS & OJK Bank BTPN

Kredit Pegawai (Active Employee Loan)

It is a credit facility which is specially designed for active employees in institutions/business entities, companies.

This product offers payment installment period of up to 120 months with a maximum credit of Rp 300 million and easy payment process.

• Installment
  • Installment is automatically taken from monthly salary
• Easy & Quick*
  • Easy procedure
  • Customers will immediately receive the fund as soon as the documents and credit requirement are declared complete by the bank.
• Flexible
  • Maximum loan up to Rp 300 million
  • Maximum installment period of 10 years
  • Top Up and Take Over from other bank facilities are available
• Protection for inheritors
  The credit facility is insured and therefore when the debtor passes away, the inheritors can pay the remaining loans Bank BTPN
  

Kredit Lintas Manfaat

Kredit Lintas Manfaat  is designed to meet your needs by providing continuous benefits. Kredit Lintas Manfaat is a credit facility for employees, who are facing retirement period, with a maximum installment of 60 months.

Kredit Lintas Manfaat is limited to when the applicant/debtor is retired. This product offers credit installment to 120 months including the grace period of three (3) months after applicant/debtor is retired. Bank BTPN

Kredit Pensiun Sejahtera

It is a credit facility specially designed for pensioners.

The Kredit Pensiun Sejahtera offers easy payment with a maximum installment period of 180 months and maximum loans of Rp 300 million.

Excellence

• Installment

  • Installment is automatically taken from the customer’s monthly pension

• Easy & Quick

  • Easy procedure
  • Customers will immediately receive the fund as soon as the documents and credit requirement are declared complete by the bank.

• Flexible

  • Maximum loans of Rp 300 million
  • Maximum installment period of 180 months
  • Top Up and Take Over from other bank facilities are available

• Protection for inheritors

  • The credit facility is insured and therefore when the debtor passes away, the inheritors can pay the remaining loans. The insurance companies are PT. Asuransi Allianz Indonesia, PT. Asuransi Jiwa Generali Indonesia, and PT. Avrist Assurance. Bank BTPN
    

Kredit Pensiun Sejahtera Plus

Kredit Pensiun Sejahtera Plus is a credit facility for employees, who are facing retirement period, with a maximum installment of six (6) months. Bank BTPN

Kredit Pensiun Sejahtera 24

It offers a special credit facility for employees, who are facing retirement period, with a maximum installment period of 24 months.

This product offers a maximum credit installment period of 180 months including a grace period of maximum 24 months. Bank BTPN

Kredit Usaha Rakyat (KUR) Bukalapak

The Kredit Usaha Rakyat (KUR) Bukalapak is the collateral-free BTPN product that is given to MSME businessmen or traders. The available loans start from Rp 1 million to Rp 25 million with maximum installment of 12 months.

Product Overview

Kredit Usaha Rakyat (KUR) Bukalapak can be used to fulfill the need of capital for the micro-, small- and medium-enterprises or to serve as an investment to expand businesses. Besides the financial access, the BTPN Daya Program provides the chance for our customers to expand their business knowledge and skills as well as creating new opportunities. Bank BTPN

KREDIT USAHA RAKYAT (KUR) MIKRO

The Kredit Usaha Rakyat (KUR) Mikro is the collateral-free BTPN product which is provided for traders or businessmen in the MSME sector. The available loans for KUR Mikro products start from Rp 1 million to Rp 25 million with installment to maximum 36 months for working capital and 60 months for investment. Bank BTPN

Remittance

Fast, reliable and less hassle are keys to convenient remittance processing. BTPN Wholesale is a direct member of local clearing-house and SWIFT member with a reliable network of correspondent banks that are able to support our clients’ domestic and international transactions.

Additionally, we support our clients to achieve convenience by combining our Internet Banking capabilities and Straight Through Processing (STP) method which enables seamless payment execution without manual interference.

Internal Transfer

Incoming or outgoing fund transfer in domestic or foreign currencies within the same bank. You may also use this service to do foreign exchange between your accounts in different currencies.

Domestic (Rupiah Currency) Remittance

Fund transfer service in Rupiah currency across domestic banks. Real-Time Gross Settlement (RTGS) for high-value fund and immediate real-time clearing. Sistem Kliring Nasional (SKN) for low-value fund and voluminous payments (e.g. vendor payments, staff payroll).

Foreign Remittance

Fund transfer service in foreign currencies to domestic and overseas banks. At BTPN Wholesale, we are able to support 11 (eleven) foreign currencies for remittance: USD, JPY, AUD, SGD, EUR, GBP, HKD, CHF, THB, CNY, and INR. Bank BTPN

Tax Payment

We accept both import and non-import tax payment through our direct link with MPN Gen 2.

If you are using our Internet Banking System, you will be able to send your import and non-import tax instruction(s) systematically to the bank then download, print, or store the Bukti Pembayaran Negara (BPN)/Tax Receipt in PDF format at same day after we processed your tax instruction(s). Additionally, we also provide Self Tax Payment Service terminal in the ATM Centre of BTPN Tower. Bank BTPN

Trade

Bank BTPN has deep expertise in delivering and executing trade finance deals and services across the world through our global network. With a specialisation in bespoke financing structures, our experienced professionals help our clients achieve their liquidity needs, mitigate risk and meet financial goals.

At Bank BTPN, we are continuously creating new and innovative ways to serve our clients.

Trade Finance

Take advantage of our trade finance solutions to better manage your working capital. With our international expertise, we tailor our solutions based on your business needs.

 

• Trust Receipt Loan

Use your Import LC to leverage your working capital with our short-term financing to pay off your import obligation.

 

• Export Bills Negotiation / Discounting

Improve your cash flow when we discount your export bills under LC or Documentary Collection at pre or post-acceptance.

 

• Forfaiting LC/SKBDN

Improve your cash flow and eliminate payment risks when we discount your LC/SKBDN without recourse.

 

• Account Receivable & Payable Financing

Improve your cash flow by letting us finance your payables or purchases your invoices with/without recourse.

 

Trade Service

Gain control over your trades with our import and export trade services to manage your risks in international trades.

• Bank Guarantee

A guarantee issued by the Bank (Guarantor) on the request of the customer (Guaranteed) to guarantee the beneficiary. Give your counterparty the assurance needed with our Standby Letter of Credit / Bank Guarantee.

• LC Issuance (Sight, Usance, UPAS/UPAU)

An unconditional undertaking given by a Bank at the request of a seller or buyer to ensure payment and delivery of goods comply with stipulated document(s)

• Export Confirmation

Hedge your risks on export proceeds by letting us confirm your export LCs and get paid upon maturity.

• Shipping Guarantee

Collect your goods before the Bill of Lading arrived using our Shipping Guarantee for your agent or shipping company.

• Import Documentary Collection

Save time and cost when you collect your import document held by the bank against payment or acceptance to obtain imported goods at the port of discharge.

• Export Documentary Collection

Assure your export proceeds or acceptance by letting the bank convey your export document(s) and get paid by importer upon the release of the document(s). Bank BTP

Cash Management

At Bank BTPN, we prefer to listen in order to understand your requirements and challenges in managing your cash flow. Then, we tailor the solutions that would suits you best. Our Cash Management Services focus in bringing efficiency and efficacy to your business operation to further optimize your cash flow position.

Internet Banking Services 

SMAR&TS – (Sumitomo Mitsui Advanced Report & Transfer Services) provides internet banking services with high level of security and comprehensive features:

 

• Bank Report Service

Achieve total visibility of account balances, statement details, maturity information and forex contract details.

 

• Fund Transfer

Engage multi-purpose of payment electronically via our Internet Banking to support your domestic and overseas transaction needs.

 

• Payroll

Provide secure and convenient way of salary payment using single or batch method.

 

• e-Tax Service

Our Straight-Through-Processing (STP) and direct connectivity with MPN Gen 2 delivers a speedy way of Tax Payment and efficient reporting to State Tax Office simply by downloading your Tax Receipt from our systems.

 

• e-Trade Service

Issue your Import LC and necessary Amendment to the bank using our e-Trade system and monitor your trade transactions conveniently.

 

• Email Notification (e-Advice)

Automatic notification for you and your counterpart via e-mail regarding your inward and outward transactions.

 

• e-Statement

Download, print or save your monthly Account Statement electronically via our Internet Banking and ease your document keeping.

 

• e-Treasury Report Service

Download, print or save your monthly Forex report electronically via our Internet Banking and obtain Marked-to-Market information on your Forex transaction(s).

 

• e-Document

Upload and send your supplementary or underlying document(s) using our e-Document feature and enjoy paperless routines.

 

• Interface

Avoid double-input and save time when creating your payment using our template and converter tool.

 

• Host-to-Host Service

Leverage our Host-to-Host Service to connect seamlessly with direct connectivity to the bank as transactional delivery channel with highly secured network.

 

• File Inbox

Reporting to State Tax Office is much easier with our File Inbox feature as it allows you to download, save and print Bukti Penerimaan Negara (BPN) or Tax Receipt electronically.

 

• Pooling

Strengthen control and monitoring towards your group company’s cash pooling turnover systematically as this feature will not only gather and summarize your group's day-to-day lending and borrowing activities but also calculates the interest amount and necessary withholding taxes.

Liquidity management services

Understanding key challenges you face in collecting receivables, gaining control of account visibility and investing funds, our liquidity management solution addresses those challenges to meet the objective of optimizing your working capital :

• Perfect Reconciliation

Ease your A/R reconciliation process and identify inward collection with the support of our Virtual Account numbers to achieve seamless operation and reduce time consumption.

• Giro Collection Services

Avoid making unnecessary journeys to the bank as our professional courier service will pick up your cheques on a scheduled basis to be processed on its due.

• Giro Depository Services

Minimize hassle of maintaining abundant of cheques as our custodian unit can accept and safe keep your long-maturity cheques to be processed on its due.

• Cash Delivery Service

Avoid making risky journey to the bank to withdraw cash as we provide secure and professional cash courier service to deliver cash directly to your designated place on a scheduled basis.

• Cross-border Pooling

Oversee and control group accounts comprehensively across different countries as well as enhancing returns and liquidity support among group companies.

• Domestic Cash Pooling

Oversee and control group accounts comprehensively within the country as well as enhancing returns and liquidity support among group companies.

• Interbank Collection

Ease your A/R reconciliation process by identifying inward collection with BCA’s Virtual Account. This service enables your consumers, agents, distributors, etc. to pay you via BCA wide branch-network and e-channels, where then your funds will automatically be wired to your account at BTPN WHOLESALE. Collection report is also provided electronically and can be downloaded, print or save in a timely manner via our Internet Banking system.

• Advance RTE Information Service (aRTEis)

Enjoy our automatic RTE notification directly to your email. This service helps you to prepare necessary report on your export-proceed and comply with Regulator’s Policy. Bank BTPN

Bank BTPN

Bank BTPN