Benefit: Transactions are immediately recorded in your bank statement, making it easy to track expenses. For payments under Rp1 million, many banks no longer require a PIN, just biometrics.
How to use: Open m-banking app → Find “Scan to Pay” or “QRIS” menu → Scan the code → Enter amount → Confirm.
6. Biometric Login – Log In in 1 Second, More Secure
Still using a 6-digit password that’s slow to type and easy to forget? Time to switch.
How it works: Activate login with fingerprint or Face Recognition. Your fingerprint and face data stay on your phone, not on the bank’s server. That makes it harder for hackers to steal remotely.
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Benefit: Log in in just 1 second. And no more stress about someone stealing your password.
How to activate: Settings → Security → Turn on “Fingerprint Login” or “Face Recognition”.
7. Real-Time Notifications – Your First Line of Defense Against Fraud
This feature sends push notifications or SMS every time there’s a transaction in or out of your account.
2 benefits: First, if there’sasuspicioustransaction you’llknow immediately and can block it rightaway.
Second, for sellers,as soon asa customer pays you get anotificationso you don’t have to bother checking your statement.
Tip: Activate notifications for all amounts, even Rp0. Don’t treat it as spam.
8. Frozen Card & Set Limits – Full Control in Your Hands
Left your card at the office? Don’t panic and permanently block it.
Frozen Card Feature: Go to app → Card Menu → Select “Freeze Temporarily”. The card can’t be used for transactions. Once you find it, just “Unfreeze”. If it’s really lost, then report it for permanent blocking.
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Set Limit Feature: You can set your own daily transfer limit, cash withdrawal limit, and online shopping limit. For regular days set it low, e.g. Rp5 million. When you need to make a big transaction, increase it temporarily then lower it again. This prevents thieves from draining large amounts if your phone is lost.
9. Integrated Investment & Insurance
Banks are no longer just places to store money. Available features: Buy mutual funds directly by choosing the product and amount.
Buy digital gold starting from Rp10,000. Buy micro insurance like accident, travel, or gadget insurance with auto-debit premiums.
Benefit: No need to open a separate securities app. All your savings, deposits, mutual funds, and gold portfolios can be viewed on 1 dashboard. Reports also go straight to your account statement.
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4 Fatal Mistakes People Still Make
Now that you know the features, avoid these 4 mistakes:
– Turning off transaction notifications because they’re annoying. This is actually your most important alarm.
– Never changing your PIN since the first time. Avoid using birth dates or 123456.
– Transacting on public WiFi at malls or airports. Your data is vulnerable to theft. Always use your personal mobile data.
