GENERAL TERMS AND CONDITIONS DANAMON DEBIT/ATM CARD

EFFECTIVE 5 JANUARY 2026

A. DEFINITION

Unless the sentence in question explicitly gives another meaning, all terms used in the Danamon Debit/ATM Card General Terms and Conditions have the following meanings:

“Bank” is PT Bank Danamon Indonesia Tbk as the issuer of Debit/ATM Cards.
“Customer Identification File” or “CIF” is a unique code used to record, store, and consolidate Customer data information.
“D-Bank PRO” is a banking information and transaction service provided by the Bank to Customers and accessible by Customers using mobile phones.
"D-Onboarding" is software owned by the Bank that is connected to the internet, which can only be accessed by bank officers, used as a tool in opening Bank accounts online based on account opening requests from Customers.
"Danamon Global Currency Card" is a Mastercard-branded Debit/ATM Card that can be used to make transactions at ATM machines, payments at EDC/POS, and Danamon Online Debit payments both domestically through the GPN network and abroad through the Mastercard network using funds from the currency balance available in the Customer's Danamon LEBIH PRO account, without incurring exchange rate conversion fees.
"Danamon Online Debit" is a payment feature on Online Merchants (including e-commerce) using Debit/ATM Cards that have been certified by the Principal on the Online Merchant (online store) website and have been certified by MasterCard Secure Code.
"CVC Digits" or "Card Verification Code Digits" are the last 3 (three) digits on the back of the Debit/ATM Card. These CVC (Card Verification Code) digits are a security feature for cards with the Mastercard logo.
"Electronic Data Capture" or “EDC” is a tool used to verify Financial Transactions and Non-Financial Transactions by Customers at bank counters or other places determined by the Bank.
"Debit/ATM Card" is a card issued by the Bank at the request of a Customer that functions as an ATM card and/or debit card and/or other functions determined by the Bank.
"Virtual Debit Card" is a virtual (non-physical) card issued by the Bank upon the Customer's request through D-Bank PRO, account opening through D-Bank PRO, D-Onboarding, and/or other channels owned by the Bank and has the function of a debit card as determined by the Bank.
"Danamon Online Debit Transaction Limit" is the limit for purchases or payments using Danamon Online Debit at Online Merchants.
"Mastercard Secure Code" is MasterCard's 3D Secure feature to protect Online Transactions using Debit/ATM Cards. This feature is only available on Online Merchant websites (as defined below) that also support the 3D Secure feature. MasterCard Secure Code uses password protection during the online shopping process to verify customers. The purpose of Mastercard Secure Code is to establish trust between online merchants and customers, similar to when both parties conduct transactions face-to-face.
"Online Merchant" is a seller of goods and/or services that has an online business.
"Customer" is the account owner and debit/ATM cardholder.
"Contactless" is a technology that allows Customers to make transactions by simply tapping or placing their Debit/ATM Card close to an EDC machine that supports contactless transactions.
"Debit/ATM Card Number" is the 16 (sixteen) digit number found on the front of the Debit/ATM Card.
"One Time Password" or "OTP" is a unique password code that is valid for 1 (one) Financial Transaction and/or Non-Financial Transaction (as defined below) and sent via text message (SMS) to the Customer's mobile phone number registered in the Bank's system as authentication for Financial Transactions and/or Non-Financial Transactions conducted through D-Bank PRO services or other Bank e-channels.
Operator is a mobile telecommunications network provider that uses GSM (Global System for Mobile Communication), CDMA (Code Division Multiple Access), or other technologies.
“Password” is a secret code/password required by Customers who are users of D-Bank PRO and/or other Bank e-channels in order to access and use D-Bank PRO or other Bank e-channels.
"Point of Sales" or “POS” is a place that can be used for payment transactions for Customers.
"Principal" is an institution responsible for managing the system and/or network between its members, both acting as issuers and/or acquirers, in Debit/ATM Card transactions.
"Personal Identification Number" or "PIN" is a confidential code/password created by the Customer that serves as a means of verification for the Bank, which is required for the Customer to use services at ATM/CRM/EDC/Digital CS/Digital Teller/Hello Danamon/IVR terminals and other Bank services, and the authority to use it rests solely with the Customer.
"Account" is the Customer's deposit in the form of a current account, savings account and/or other forms equivalent to these, whether already opened by the Customer at the Bank or to be opened in the future.
"Main Account" is an account linked to a Debit/ATM Card and used as a source of funds for transactions using the Debit/ATM Card at ATMs, EDCs, and Online Merchants.
"Secondary Account" is an account linked to a Debit/ATM Card and used as an alternative source of funds when conducting transactions at the Bank's ATMs.
‘’General Terms and Conditions for Accounts and Banking Services" are the General Terms and Conditions for Accounts and Banking Services issued by the Bank, including any future amendments, additions, and updates, which can be accessed on the Bank's official website at the following link: bdi.co.id/syartumbank.
"General Terms and Conditions for Sharia Banking Accounts and Services" are the General Terms and Conditions for Sharia Banking Accounts and Services issued by the Bank, including any future amendments, additions, and updates, which can be accessed on the Bank's official website at the following link: bdi.co.id/layanansyariah.
“General Terms and Conditions for Danamon Debit/ATM Cards” are the General Terms and Conditions for Danamon Debit/ATM Cards.
“D-Bank PRO General Terms and Conditions” are the general terms and conditions of D-Bank PRO, including any future amendments, additions, and updates by the Bank, which can be accessed on the Bank's official website at the following link: bdi.co.id/id-tncdbankprohtml.
“T-PIN” is a combination of numbers as a secret number given to Customers as verification when contacting Hello Danamon.
“Financial Transactions” are transactions that affect changes in Account balances, including but not limited to Online Transactions, fund transfers, bill payments, purchases, Online Transactions, and other transactions in accordance with the Bank's provisions.
"Non-Financial Transactions" are transactions that do not affect changes in account balances, including but not limited to balance information, account mutations, exchange rate information, interest rates, and other transactions in accordance with Bank regulations.
"Online Transactions" are transactions at Online Merchants conducted through electronic media/the internet.
"User ID" is an identity owned by each Customer and must be entered/inputted when accessing D-Bank PRO and/or the Bank's other e-channels.
"Valid Thru" is the month and year of validity of the Debit/ATM Card, which is printed on the front of the Debit/ATM Card.

B. DEBIT CARD/ATM USAGE

Debit/ATM cards are issued specifically for:
- Accounts in the name of individual Customers; and
- Joint Accounts for individual Customers.
Specifically for OR Joint Accounts, each Customer forming a Joint Account is entitled to apply for a Debit/ATM Card.
Specifically for AND Joint Accounts, each Customer will be given a Debit/ATM Card that can only be used for balance inquiry functions or functions determined by the Bank and will be informed to the Customer.
Customers are required to sign the back of the Debit/ATM Card in the space provided. Any risks of rejection or misuse arising from failure to sign the Debit/ATM Card shall be the responsibility of the Customer.
Debit/ATM Cards with active status are linked to Accounts with active status.
1 (one) Customer or 1 (one) CIF can have up to:
- 3 (three) physical debit/ATM cards, namely 1 (one) Danamon Global Currency Card, 1 (one) debit/ATM card with the Mastercard logo (Non-Danamon Global Currency Card), and 1 (one) debit/ATM card with the GPN logo; and
- 5 (five) Virtual Debit Cards, which can be obtained through the account opening process via D-Bank PRO or D-Onboarding, and through the Virtual Debit Card application feature on D-Bank PRO.
1 (one) Account can be linked to up to 3 (three) Debit/ATM Cards, namely 1 Danamon Virtual Debit Card and 2 (two) physical Debit/ATM Cards.
One (1) physical Debit/ATM Card can be linked to a maximum of fifteen (15) Accounts, where only one (1) Account is used as the Main Account.
One (1) Danamon Virtual Debit Card can only be linked to one (1) Account used as the Main Account.
Provisions regarding Virtual Debit Cards are further regulated in the D-Bank PRO General Terms and Conditions.
Customers are advised to have 1 (one) GPN-logoed Debit/ATM Card.
If the Customer wishes to have more than 1 (one) physical Debit/ATM Card with a Mastercard or GPN logo, the Customer is required to fill out an application form containing a statement explaining that the Customer understands and agrees to the benefits, risks, and/or these General Terms and Conditions regarding the ownership of more than one (1) physical Debit/ATM Card for one (1) CIF.
Customers can activate their Debit/ATM Card (physical card) by visiting a Bank branch office or D-Bank PRO.
Customers can change their 6-digit PIN (physical card form) by visiting a Bank branch office, setting it up at a Bank ATM machine, or at D-Bank PRO.
Customers who have more than one Account linked to one Debit/ATM Card Number must designate 1 (one) Account as the Main Account and the other accounts as Secondary Accounts. For new customers who open one account at the Bank and receive a Debit/ATM Card, that account will automatically become the Primary Account on the Debit/ATM Card.
If customers have a physical Debit/ATM Card, they can view the physical Debit/ATM Card data, namely the card number and expiry date, at D-Bank PRO.
Customers can set up their Primary Account and Secondary Account as accounts linked to their Debit/ATM Card (physical card) through D-Bank PRO and Bank branches.
Debit/ATM Cards can only be used by the Customer themselves and cannot be transferred/assigned in any form or by any means to another party. Customers are responsible for all risks arising from the transfer/assignment of Debit/ATM Cards.
The use of Debit/ATM Cards is in accordance with the type of product, Bank provisions, and the applicable provisions of each Principal, and/or those listed on the website and other media published/provided by the Bank or each Principal, including:
- Debit/ATM cards can be used before their expiry date, as stated on the Debit/ATM card.
- Conducting Financial and Non-Financial Transactions through the Bank's counter, EDC, ATM, CRM, Online Merchant, or other places determined by the Bank with an authorisation process based on PIN/OTP/CVC Digit/Contactless.
- For debit transactions conducted through:
  - Bank counters and ATMs/CRMs can be debited from all accounts in one CIF.
  - Other banks' ATMs, EDCs, and online merchants that have partnerships with the Bank or other places determined by the Bank can only be accessed through the Main Account.
  - Digital Teller can be debited from all Savings Accounts with sole ownership or Joint Accounts OR in 1 (one) CIF with Rupiah currency.
- Transactions made through other ATM networks that have partnerships with the Bank or other locations specified by the Bank can only be made through the Main Account.
- Debit transactions, namely payments for transactions at merchants/use of merchant services through EDC machines or online, are authorised based on a PIN, OTP, or CVC digit input.
- Other transactions that have been approved by the Bank and will be communicated to the Customer.
Transactions using a Debit/ATM Card can be made as long as the Account connected to the Debit/ATM Card is active and has sufficient funds, and can only be accessed to accounts in Rupiah and/or certain currencies owned by the Customer in accordance with the applicable provisions of the Bank.
In the event that the Debit/ATM Card is used for transactions through ATM services or merchants outside Indonesia (using Rupiah and/or non-Rupiah accounts), the Bank is authorised to convert the currency using the exchange rate applicable at the Bank, and the Customer acknowledges and is responsible for the risks of exchange rate fluctuations.
Debit/ATM Card Transaction Authorisation through an EDC machine by the Customer can be done by entering a 6 (six) digit PIN or using the Contactless Feature.
Transactions using the Contactless Feature can only be done with Debit/ATM Cards that have the Contactless logo.
Debit/ATM card transactions using the contactless feature can only be made for a maximum transaction amount of Rp5,000,000.00 (five million rupiah) per day and on machines that accept payments with the contactless feature.
When transacting with the Contactless feature, the Customer must ensure that they themselves direct the Debit/ATM Card to the EDC machine or card reader bearing the Contactless feature logo without giving the card to the merchant, and keep the card in a safe place to avoid possible misuse of the Debit/ATM Card and ensure that the printed transaction amount matches the purchase or payment transaction amount.
The Customer hereby agrees that any transaction instructions executed by the Bank upon receiving such instructions from the Customer, as indicated by the entry of a PIN or a cont