neobank Transaction Fee
neobank Transaction Limit
PT Bank Neo Commerce Tbk. Service Fee
Prime Lending Rate

Fee & Charges

Find all information about transaction fees and interest rates applied in BNC. All clear and profitable!

neobank Transaction Fee

NoTransaction TypeFee
1VIRTUAL ACCOUNT 
 Top up from IndomaretRp5,000/transaction
 VA paymentRp3,000/transaction
2TRANSFER 
 Transfer to other BNC accountFree
 Transfer to other bankFree
3CREDIT CARD 
 Credit Card paymentRp3,000/transaction
4CARDLESS CASH WITHDRAWAL 
 IndomaretRp4,000/transaction
 ATM BNIRp7,500/transaction

neobank Transaction Limit 

NoTransaction TypeLimit
1NEOBANK TRANSFER LIMIT 
 Transfer to your own account limitUnlimited
 Transfer to other BNC account transaction limitRp300,000,000/transaction
 Transfer to other BNC account daily limitRp1,000,000,000/day
 Transfer to other bank transaction limitRp100,000,000/transaction
 Transfer to other bank daily limitRp300,000,000/day
2CARDLESS CASH WITHDRAWAL LIMIT 
 Minimum withdrawal from IndomaretMin. Rp50,000 - Rp1,000.000/transaction
 Minimum withdrawal from ATM BNIMin. Rp50,000 - Rp2,500,000/transaction
 Daily limit from IndomaretMax. 3,000,000/day
 Daily limit from ATM BNIMax. 7,500,000/day

PT Bank Neo Commerce Tbk. Service Fee

Transactional Fees and Charges for PT Bank Neo Commerce Tbk. are effective starting from October 1, 2024. 

The changes of Transactional Fees and Charges as below : 

NoTransaction ServicesFees
1TRANSFER SKN 
 Account HolderRp2,500
 Non Account HolderRp2,900
 EmployeeRp2,000
2CLEARING 
 Retail/Big AmountRp4,000
3DISHONORED CLEARING 
 Retail/Big AmountRp150,000
4RTGS 
 Account HolderRp30,000
 Non Account HolderRp30,000
 EmployeeRp30,000
5BANK REFERENCE LETTER 
 Reference Letter or Balance Confirmation Letter in soft copy Free
 Reference Letter or Balance Confirmation Letter in hard copyRp90,000
6STANDING INSTRUCTION 
 Standing InstructionFree
7CHEQUE & GIRO BOOK ORDER 
 Cheque/Giro Book (25 pages) included stamp dutyRp400,000
8ACCOUNT STATEMENT PRINTING 
 Print account statement ( per sheet )Rp5,000
9CORPORATE CURRENT ACCOUNT 
 Below Minimum Balance FeeRp30,000
 Monthly Administration FeeRp30,000
 Account Dormant FeeRp50,000
 Account Closure FeeRp50,000
10PERSONAL CURRENT ACCOUNT 
 Below Minimum Balance FeeRp25,000
 Monthly Administration FeeRp25,000
 Account Dormant FeeRp25,000
 Account Closure FeeRp50,000
11REGULAR SAVING ACCOUNT 
 Below Minimum Balance FeeFree
 Saving Book Replacement FeeRp10,000
 Monthly Administration FeeFree
 Account Closure FeeRp10,000
12PRIMA SAVING ACCOUNT 
 Below Minimum Balance FeeFree
 Saving Book Replacement FeeRp10,000
 Monthly Administration FeeRp10,000
 Account Closure FeeRp50,000
13PENSION ACCOUNT 
 Below Minimum Balance FeeFree
 Saving Book Replacement FeeFree
 Monthly Administration FeeFree
 Account Closure FeeFree
14AUTOMATED TELLER MACHINE (ATM) 
 Loss/Broken Card Replacement Fee ( Yellow )Rp25,000
15TRANSACTION VIA BNC ATM MACHINE 
 Cash WithdrawalFree
 Transfer to BNC AccountFree
 Transfer to other bank AccountFree
 Inquiry BalanceFree

Prime Lending Rate (SBDK)

A. Quantitative Disclosure

Data Period 31 Agustus 2024Non-MSMEs LoanMSMEs LoanHousing LoanNon-Housing Loan
CorporateRetailMediumSmallMicro
Cost of Fund (HPDK) %5,50%5,50%n/an/a5,58%7,07%7,10%
Overhead Cost (%)0,63%1,03%n/an/a0,28%0,03%4,79%
Profit Margin (%)1,50%1,50%n/an/a2,00%2,00%2,50%
Prime Lending Rate (SBDK) (%)
(HPDK + Overhead + Margin)		7,63%8,03%n/an/a7,86%9,10%14,39%

 

B. Qualitative Disclosure

CategoryDefinition of Loan CategoryIndicators/Criteria for Loan Categories
Corporate

Loan for Business Entities or Companies that meet the Commercial segment criteria at BNC.

Annual sales exceeding IDR 50 Billion.

Retail

Loan for Individuals or Cusiness Entities, excluding the Micro, Small and Medium Enterprise and Commercial segments.

Total credit plafond up to Rp10 Billion

  1. Prime Lending Rate (SBDK) is determined by Banks based on various factors, including the reference interest rate set by regulators, cost of funds, overhead costs, profit margin, and economic growth.
  2. Prime Lending Rate (SBDK) does not include the estimated risk premium of which depends on the Bank's risk assessment for each debtor or group debtors.

 

 

SBDK HISTORICAL

 

Data Period Non-MSMEs LoanMSMEs LoanHousing LoanNon-Housing Loan
CorporateRetailMediumSmallMicro
August 20247.56%7.92%--7.83%9.35%14.19%
September 20247.63%8.03%--7.86%9.10%14.39%

 

 

 

 

 

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neobank Transaction Fee
neobank Transaction Limit
PT Bank Neo Commerce Tbk. Service Fee
Prime Lending Rate