Terms and Condition for an Account Opening

• Identity Card: KTP/KITAS
• The customer must have another savings or current account at Bank Mega as the account for debits and credits related to the Mega Rencana savings plan.
• Terms & Conditions clik: Here
• Monthly Deposit Stipulations:
  • Monthly deposits are automatically debited according to the amount and date selected during account opening.
  • The debit process from the source account for the Mega Rencana account has a grace period of 5 calendar days from the auto-debit date.
  • If, during the grace period, the auto-debit system fails to withdraw funds from the source account, the Mega Rencana monthly deposit will be categorized as a failed debit.
  • Each time a failed debit occurs, a debit failure fee will be charged to the source account.
  • If the account fails to be auto-debited in the first month, the account will be debited for two times the normal monthly deposit amount in the second month, and this process will continue until the third month.
  • The failed debit conditions are as follows: :
    • In the first month, if a failed debit occurs, it must be paid in the following month.
    • In the second month, if a failed debit still occurs (whether for the first or second monthly deposit), it will be calculated as a consecutive failed debit (twice in a row).
    • In the third month, if a failed debit still occurs (whether for the first, second, or third monthly deposit), it will be calculated as a consecutive failed debit (three times in a row).

Failed Debit Calculation Illustration:

• Emergency Withdrawal clauses:
• Applies only to Mega Rencana Reguler
• A maximum of 3 emergency withdrawals per year is allowed after the first year, with an administration fee charged for each withdrawal.
• Only 25% of the available balance in the account can be withdrawn, and the remaining balance must not fall below the minimum required balance.

• Mega Rencana Promo Clauses:
  • The availability of the prize type and color may change at any time based on stock availability, with no prior notice to the customer.
  • The Mega Rencana Promo scheme is subject to change at any time according to the terms and conditions set by Bank Mega.

• Insurance Protection Clauses:
  • FREE life insurance (free insurance premium)
  • The age range for free life insurance is 17 to 60 years old, with a maximum age of 65 at account maturity.
  • Customers over 60 years of age can still participate in the Mega Rencana Program but will not receive the life insurance benefit.
  • Life insurance is only available for Mega Rencana Reguler and Mega Rencana Promo with a monthly deposit feature.
  • If a customer holds more than one Mega Rencana account, life insurance benefits will be provided up to a maximum monthly deposit of Rp. 5,000,000, either as a lump sum or by continuing the savings plan until its completion.
• Payment of the insurance benefit is the responsibility of the insurance provider (Simas Jiwa Insurance). Bank Mega is not liable for these payments and serves only as an intermediary between the insurance company and the customer.
• As part of the Mega Rencana product, Bank Mega will submit the customer’s account information and the beneficiary details to the cooperating insurance company (PT. Asuransi Simas Jiwa) for life insurance registration purposes.

Note:

The insurance provided for the Mega Rencana savings plan is a product of PT. Asuransi Simas Jiwa. PT. Bank Mega, Tbk (the Bank) is not a guarantor of the insurance product and does not act as an agent or broker for the customer. The grant of life insurance benefits to Mega Rencana customers is entirely at the discretion of PT. Asuransi Simas Jiwa.