QNB Indonesia offers time deposit products with flexible tenors, ranging from 1 month to 2, 3, 4, 5, 6, 9 and 12 months, available in 7 currencies (IDR, USD, SGD, AUD, EUR, HKD & JPY).
RIPLAY public version
Time Deposit on QNB Indonesia Mobile Banking
Enjoy special rewards from cash back and XXI Deluxe!
Definitions:
1. Bank QNB Indonesia or Bank means PT Bank QNB Indonesia Tbk.
2. Customer means any individual or entity utilizing the products and/or services provided by the Bank.
3. QNB First means a premium banking service offered by QNB Indonesia Bank to Customers who have satisfied the applicable eligibility criteria and requirements established by the Bank to qualify as QNB First Customers.
4. Personal Banking means the segment of individual Customers with basic to intermediate banking needs, served through mass-market banking products and services, including deposit products, transaction banking facilities, and digital banking services.
5. Savings Account / Premium Savings Account means a savings product offered by the Bank, for which account opening may be conducted through any branch office of QNB Indonesia Bank.
6. Assets Under Management (AUM) means the aggregate value of a Customer’s holdings maintained through the Bank, including Savings Accounts, Current Accounts, Time Deposits, and Wealth Management Products, such as mutual funds and third-party bancassurance products purchased through QNB Indonesia Bank. Funds invested in Wealth Management Products shall subsequently be invested in a Securities Portfolio by the relevant Investment Manager in accordance with the applicable investment mandate and prevailing laws and regulations.
7. Fresh Funds means funds placed by a Customer with QNB Indonesia Bank that originate from an account maintained with another financial institution.
8. Program Terms and Conditions means these terms and conditions governing the QNB Indonesia Mobile Banking Time Deposits Program, as may be amended, supplemented, revised, or updated by the Bank from time to time.
9. To the extent that any definition or term used herein is not specifically defined under these Program Terms and Conditions, such definition or term shall have the meaning assigned to it under the General Terms and Conditions for Account Opening and Banking Facilities/Services of PT Bank QNB Indonesia Tbk, as amended from time to time.
Detail Program
Program Period : 1 October – 31 December 2026
Any Customer who places a Time Deposit and satisfies the applicable terms and conditions during the Program Period shall be eligible to participate in the Program.
i. TD Cash Back Program (All QNB Indonesia Retail Banking Segments)
This program is applicable for all segments of Retail Banking QNB Indonesia that would place fresh fund as Time Deposits (TD) on QNB Indonesia Mobile Banking during program period
a. Personal Banking Segment
Fresh Fund TD Amount (IDR) | Cash Back Offer | Tenure in Months | Cash Back Gross |
200,000,000 | 0.20% | 3 Months | 125,000 |
200,000,000 | 0.20% | 6 Months | 250,000 |
200,000,000 | 0.25% | 9 Months | 468,750 |
200,000,000 | 0.25% | 12 Months | 625,000 |
b. QNB First Segment
Fresh Fund TD Amount (IDR) | Cash Back Offer | Tenure in Months | Cash Back Gross |
200,000,000 | 0.30% | 3 Months | 187,500 |
200,000,000 | 0.30% | 6 Months | 375,000 |
200,000,000 | 0.50% | 9 Months | 937,500 |
200,000,000 | 0.50% | 12 Months | 1,250,000 |
c. Staff Segment
Fresh Fund TD Amount (IDR) | Cash Back Offer | Tenure in Months | Cash Back Gross |
200,000,000 | 0.30% | 3 Months | 187,500 |
200,000,000 | 0.30% | 6 Months | 375,000 |
200,000,000 | 0.50% | 9 Months | 937,500 |
200,000,000 | 0.50% | 12 Months | 1,250,000 |
Terms & Conditions:
- All customers with QNB First, Personal Banking, and Staff Segment of QNB Indonesia Retail Banking may participate in this program
- Must place fresh fund as Time Deposits on QNB Indonesia Mobile Banking amounting IDR 200 Million with tenure period options 3 Months, 6 Months, 9 Months, or 12 Months
- The cashback given will be taxed according to the tax rates in accordance with applicable tax regulations and will be borne by bank
- Cash back rewards are applicable for multiply with maximum 2x per customer per month following on each billet tenure period.
Example:
Customer A as the QNB First Customer wants to place TD and follows TD Cash Back Program in October with simulation below:
TD Placement (IDR) | Simulation Date | Tenure in Months | Cash Back % | Cash Back Nett | Cash Back Goss | Tax | Total Rewards |
200,000,000 | 5-Oct-26 | 3 | 0.30% | 150,000 | 187,500 | 37,500 | 562,500 |
300,000,000 | 20-Oct-26 | 6 | 0.30% | 300,000 | 375,000 | 75,000 |
- Time Deposits interest rates follow the current interest rate that apply on QNB Indonesia Mobile Banking
- To participate TD QNB Indonesia Mobile Banking Cash Back Program, the customers must agree to the terms & conditions on QNB Indonesia Mobile Banking when creating the TD Placement via QNB Indonesia Mobile Banking
- Cash back will be credited to the eligible customer’s Savings/ Premium Savings on the next month after placement
Example:
If customers place TD in December 2026, hence cash back will be credited in January 2027.
- If the Customer prematurely withdraws or terminates the Time Deposit that follows Program prior to its maturity date, a program penalty amounting the reward amount received under the Program shall be charged and debited from the Customer’s designated Savings/Premium Savings Account
- Penalty of break TD that is made on QNB Indonesia Mobile Banking follows the current applicable provision.
ii. Top Up TD Fresh Fund Program (Segment Personal Banking dan Staff)
This program is applicable for Personal Banking and Staff Segment of Retail Banking QNB Indonesia that would place fresh fund as Time Deposits (TD) on QNB Indonesia Mobile Banking during program period
Fresh Fund TD Amount per Bilyet (IDR) | Tenure Period | Reward | Cap |
50,000,000 | 3 Months 6 Months 9 Months 12 Months | 3 (three) XXI Deluxe Tickets (worth @ 75,000) | 2x |
Terms & Conditions:
- All Personal Banking Customers and Staff may participate in this program.
- Must place fresh fund as Time Deposit on QNB Indonesia Mobile Banking amounting IDR 50 Million with tenure period options 3 Months, 6 Months, 9 Months, or 12 Months.
- Rewards XXI Deluxe can be multiply with maximum placement IDR 100 Million per month
- Rewards XXI Deluxe will be sent via email to the eligible customers’ email that is registered in Bank’s system.
- Rewards XXI Deluxe will be sent in the next month after month of TD placement.
Example:
Customer create Time Deposit amounting IDR 100 Million in November 2026, hence this customer will receive 6 (six) E-Voucher XXI Deluxe will be sent to customer’s email address that is registered in Bank’s system in December 2026.
- XXI Deluxe e-voucher can be used every day and only at XXI Deluxe Studio all over Indonesia and not applicable for IMAX and XXI the Premiere studio.
- XXI Deluxe e-voucher can not be used for Food & Beverages purchase.
- If the Customer prematurely withdraws or terminates the Time Deposit that follows Program prior to its maturity date, a program penalty amounting the reward amount received under the Program shall be charged and debited from the Customer’s designated Savings/Premium Savings Account.
- Penalty of break TD that is made on QNB Indonesia Mobile Banking follows the current applicable provisions.
iii. Upgrade QNB First Program (Personal Banking dan Staff Segment)
The Program shall be applicable to Customers classified under the Personal Banking segment and QNB Indonesia Retail Banking Staff who place Fresh Funds in a Time Deposit via QNB Indonesia Mobile Banking and maintain the minimum total Assets Under Management (AUM) as prescribed under the Program requirements during the Program Period.
Minimum Total AUM (IDR) | Minimum Fresh Fund TD (IDR) | Tenure Period | Reward |
500,000,000 | 10,000,000 | 3 Months 6 Months 9 Months 12 Months | Ultravoucher worth @ IDR 250,000 |
Terms & Conditions:
- All Personal Banking Customers and Staff may participate in this program.
- All customers with segmentation mentioned above that have minimum Asset Under Management (AUM) IDR 500 Million are eligible to upgrade to be QNB First Customers.
- All customers that would be eligible to receive Ultravoucher rewards must place fresh fund as Time Deposits on QNB Indonesia Mobile Banking amounting IDR 10 Million with tenure period options 3 Months, 6 Months, 9 Months, or 12 Months.
- TD placement and the QNB First Upgrade Form signing must be made within the same month.
- All customers that would upgrade to become QNB First must agree and sign the QNB First Upgrade Form in Branch.
- Ultravoucher reward is not applicable for multiply.
- Ultravoucher will be sent to the customer’s email address that is registered in the Bank’s system.
- Ultravoucher will be sent in the next month after the upgrade.
Example:
Customer upgrade in November 2026, hence the Ultravoucher reward will be sent in December 2026.
- If the Customer prematurely withdraws or terminates the Time Deposit that follows Program prior to its maturity date, a program penalty amounting the reward amount received under the Program shall be charged and debited from the Customer’s designated Savings/Premium Savings Account.
- The early termination penalty applicable to the Time Deposit shall be subject to the Bank’s prevailing policies and regulations.
General Terms & Conditions
- The Bank shall verify and assess each Customer’s eligibility throughout the Customer’s participation in the Program and during the period in which the Customer is required to maintain funds under the Program (the “Evaluation Period”).
- In the event that a Customer prematurely withdraws, cancels, or otherwise terminates a Time Deposit placement, such Customer shall automatically cease to be eligible for any benefits, rewards, or privileges offered under the Program.
- Any deposit balance maintained by a Customer that exceeds the maximum deposit amount and/or the maximum interest rate guaranteed by the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan or “LPS”), or that otherwise fails to satisfy the requirements stipulated under the applicable LPS regulations, shall be maintained at the Customer’s sole risk and responsibility.
- These General Terms and Conditions form an integral and inseparable part of the General Terms and Conditions governing QNB Indonesia Mobile Banking Time Deposits and the General Terms and Conditions Governing Account Opening and Banking Facilities/Services of the Bank.
- By participating in the QNB Indonesia Mobile Banking Time Deposit Program, the Customer acknowledges, understands, and agrees to be bound by these General Terms and Conditions.
- The Customer acknowledges and agrees that the Bank reserves the right, at its sole discretion, to amend, revise, supplement, or update these General Terms and Conditions and/or any provisions relating to the Program from time to time. Any such amendment, revision, supplement, or update shall be notified to Customers through the Bank’s official website, branch offices, written notice sent to the Customer’s registered address, and/or any other communication channel determined by the Bank, no later than thirty (30) Business Days prior to the effective date thereof.
- The Bank reserves the right to adjust the applicable deposit interest rates in accordance with prevailing Bank Indonesia policies and the Bank’s internal policies. Any such adjustment shall apply to new placements and/or newly issued products, as applicable.
- Customers may submit inquiries, requests for information, or complaints through the QNB Contact Center at (+62 21) 300 55 300, via email at Contact.Center@qnb.co.id, or through the nearest QNB Indonesia branch office.
- If any provision of these General Terms and Conditions is held to be invalid, illegal, or unenforceable under the laws of the Republic of Indonesia, such invalidity, illegality, or unenforceability shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.
- No failure or delay by the Bank in exercising any right, power, privilege, or remedy under these General Terms and Conditions shall operate as a waiver thereof. Any single or partial exercise of any such right, power, privilege, or remedy shall not preclude any further exercise thereof or the exercise of any other right, power, privilege, or remedy. The rights and remedies provided herein are cumulative and are in addition to any rights and remedies available under applicable law.
- All notices and communications to Customers may be:
a. sent by post or delivered directly to the Customer’s latest address recorded with the Bank; or
b. published or communicated through any print or electronic media determined by the Bank. Any such notice or communication shall be deemed duly received by and notified to the Customer on the date it is published, distributed, delivered, or otherwise made available by the Bank.
- THIS AGREEMENT HAS BEEN PREPARED IN COMPLIANCE WITH THE APPLICABLE LAWS AND REGULATIONS OF THE REPUBLIC OF INDONESIA, INCLUDING THE REGULATIONS OF THE INDONESIA FINANCIAL SERVICES AUTHORITY (OTORITAS JASA KEUANGAN OR OJK).
