• Requirements that must be fulfilled by Customer in order to have bjb NET are defined as follows:
  • Customer has an active account, complete with Bank ATM/Debit Card;
  • Customer must have an e-mail address that has been registered in Bank system.
  • Customer must have a Mobile Number, with enough balance to carry out bjb NET validation and activation process.
  • Customer must be connected to the internet network.
• Customer bjb NET registration can be done through ATM and customer service at Bank Office Networks.
• Once bjb NET Registration is successful, Customer will receive bjb NET Activation Code, where the code is used to perform bjb NET Activation on bjb NET site.
• First time using bjb NET service, Customer is required to Activate bjb NET on bjb NET website by entering bjb NET Activation Code from bjb NET Registration and registering bjb NET User ID and Password.
• bjb NET users can use bjb NET if bjb NET User ID and Password are successfully registered.
• Have read, understood and agree to bjb NET Terms and Conditions.

• bjb NET user can use bjb NET service to obtain information and/or conduct banking transactions determined by the Bank.
• bjb NET can only used bjb NET Users over 1 (one) Mobile Number registered in the Bank system.

• For each use of bjb NET transaction:

  • When logging into bjb NET, bjb NET User enters bjb NET User ID and Password;
  • Every OTP received by bjb NET User when using bjb NET will deduct balance for SMS (Short Message Service) from bjb NET User Mobile Number.
  • All bjb NET transactions, will use internet quota of bjb NET users;
  • bjb NET user is obliged to ensure the accuracy and completeness of transaction instructions (include ensuring that all data required for transactions has been filled completely and correctly). Bank is not responsible for any impacts that might arise due to negligence, incompleteness, obscurity, or inaccuracy of orders/data from bjb NET users.
  • bjb NET user has opportunity to double-check and/or cancel the data that has been filled at the time of confirmation that is automatically done by system prior to approval mark as seen below.
  • If the data is believed to be correct and complete, as a sign of transaction approval, bjb NET users must enter OTP in column provided on bjb NET transaction service page.
• All transaction instruction that sent to the Bank and approved by bjb NET User cannot be canceled.
• bjb NET transaction is conducted in IDR (Indonesian Rupiah) currency.
• Each instruction from bjb NET User saved in Bank's data center is valid data that is binding to customer and is legitimate proof of instruction from bjb NET User to the Bank to conduct the intended transaction.
• Bank accepts and conducts every instruction from bjb NET User as a valid instruction based on the use of bjb NET User ID and Password. Therefore, Bank is no obliged to examine or investigate the authenticity or validity or legitimacy of bjb NET User ID and Password or to assess or prove the accuracy or entirety of the said instruction, thus the said instructions are valid and legally bound bjb NET User as it should, unless bjb NET User can prove otherwise.
• The Bank has the right not to carry out orders from bjb NET Users, if:
  • Insufficient balance in bjb NET User bank account.
  • Bank knows or has reasons to suspect that fraud or a crime has been or will be committed.

• As proof that the transaction ordered by bjb NET User has been successfully carried out by the Bank, bjb NET User will get transaction proof of in the form of a transaction number on bjb NET service transaction page and it will be stored in transaction activities menu for 3 (three) months from transaction date.

• bjb NET users agree and accept that:

  • By carrying out transactions through bjb NET, all orders and communications from bjb NET Users received by the Bank will be treated as valid proof even written documents are not issued and/or documents are not signed.
  • Proof of orders issued by bjb NET User to Bank and all forms of communication between Bank and bjb NET User sent electronically stored in Bank's data center and/or stored in the form of information and other data storage at the Bank, whether written documents, notes, tape/cartridge, computer print out and/or copy, is all a valid proof that its validity, accuracy or authenticity will not be denied.
• At its sole discretion, the Bank has the right to change the transaction limit.
• bjb NET transaction fees consist of:
  • SMS (Short Message Service) fees determined by telecommunications provider/operator for each OTP received by bjb NET User, even if the transaction is not successfully carried out the Bank; and
  • Internet charges determined by telecommunications provider/operator for each transaction made by bjb NET User, even if the transaction is not successfully carried out by the Bank; and
  • Transaction fees for bjb NET features depend on bjb NET transaction type.
• All communication via e-mail is secured and standards and is considered valid, authentic and accurate and has the same effect as if it was done in writing and/or written documents.
• Registered mobile number is permanent and cannot be changed again unless there is a request from bjb NET User to Bank Customer Service to update the mobile number.
• bjb NET transaction limits per day are as follows:
  • Transfer Feature; Nominal Transaction Limit: Rp. 25.000.000/day; Transaction Frequency Limit: 10 times
  • Payment/Purchase Features; Nominal Transaction Limit: Unlimited/day; Transaction Frequency Limit: Unlimited
• Bank is not obliged to conduct every instruction whether signed or not, or answer any questions received through unsecured e-mail. Customers are advised not to send confidential information via unsecured e-mail.
• Bank has the right to stop bjb NET service for a certain period that Bank determined for the purpose of renewal, maintenance or for other purposes with any reason that is considered good by Bank, and for that Bank is not obliged to take responsibility for anyone.

• bjb NET User ID and Password are confidential codes and the authority to use them is on bjb NET User. User ID is permanent and cannot be changed.

• bjb NET users must keep bjb NET User ID and Password secure by doing the following:

  • Not sharing bjb NET's User ID and Password to others.
  • Not writing bjb NET password on paper or keep it in written form or in other means of storage that allows another person to notice.
  • Delete the Activation Code as soon as possible after activating bjb NET.
  • Be careful when using bjb NET User ID and Password so others cannot view it.
  • Change your bjb NET password frequently.

• In case bjb NET User knows or suspects that the bjb NET User ID and Password have been recognizes by another unauthorized person, bjb NET User must immediately anticipate the security by changing bjb NET Password.

• If for some reason bjb NET User cannot change bjb NET Password, bjb NET User shall notify the Bank. Before written notification received by authorized Bank official, all bjb NET instructions, transactions and communications based on the use of User ID and Password by unauthorized parties are entirely responsibility of bjb NET Users.

• The use of User ID and Password has the same legal force as written instruction signed by the customer. Therefore, customer acknowledge that the use User ID and Password in every instruction for bjb NET transaction also constitutes authorization from customer to the Bank to conduct transactions including yet not limited for withdrawing customer accounts both in implementation of the transactions instructed and for transaction fees payment that have been or will be determined later by the Bank.

• All misuse of bjb NET User ID and Password is the responsibility of bjb NET User. bjb NET User thus relieves the Bank from all charges from other parties or the Customer in relation to the misuse of the bjb NET User ID and Password.

• bjb NET user can conduct transactions any time, 24 hours a day 7 days a week, to conduct financial and non-financial transactions using bjb NET.
• bjb NET is simple and user friendly, anyone can enjoy the ease of bjb NET service;

• bjb NET user is responsible for ensuring all data and instructions given to the Bank are correct and complete. The Bank is not responsible for any impact that may be caused by negligence, incompleteness or unclear data and/or instructions given by bjb NET users.
• Bank accepts and conducts every instruction from bjb NET User as a valid instruction based on the use of bjb NET User ID and Password. Therefore, Bank is no obliged to examine or investigate the authenticity or validity or legitimacy of bjb NET User ID and Password or to assess or prove the accuracy or entirety of the said instruction, thus the said instructions are valid and legally bound bjb NET User as it should, unless bjb NET User can prove otherwise.
• bjb NET user is fully responsible for claims and costs (including lawsuit costs) that may arise related to bjb NET users’ transactions and instructions.
• Bank has the right not to conduct instructions from bjb NET User, if:
• bjb NET user agrees to regularly update the latest version provided by the Bank and the Bank has the right not to support the previous version of bjb NET software if bjb NET User does not update the software.

bjb NET user will relieve the Bank from all charges if the Bank is unable to completely or partially process instructions from bjb NET User as a result of events or circumstances that occur beyond the control or ability of the Bank, including yet not limited to any disruption of computer viruses or Trojan Horses systems or harmful components that can interfere bjb NET services, web browsers or Banks’ computer system, Customers, or Internet Service Providers, due to natural disasters, war, riots, malfunctioning systems, equipments or transmissions, electrical disturbance, telecommunication disturbance, government policy, as well as other incidents or circumstances beyond the control or ability of the Bank.

1. Proof of instruction done by bjb NET User using bjb NET service is a mutation that is recorded in bank bjb Account or Savings Account Book if it’s printed which can be requested by bjb NET User to the Bank Customer Service.

2. For complaints regarding transactions and changes in bjb NET service access, bjb NET user can contact bjb Call 14049 or the Bank.

3. The Bank can change these terms and conditions any time with notification to bjb NET User in any form and through any means.

4. The Bank will send notification no later than 30 (thirty) working days if there is a change in bjb NET terms and conditions to bjb NET Users in any form and through any means.

5. bjb NET user are comply to applicable provisions and regulations in Indonesia including yet not limited to the Bank's internal regulations, banking regulations and the provisions of Bank Indonesia's supervisory authority as well as the terms for opening accounts and joint account requirements, including any changes which will be notified in advance by the Bank in any form and means.

6. Power of attorneys stated in these Terms and Conditions are valid power of attorney that will not expire as long as bjb NET User still uses bjb NET services or there is remaining obligation from bjb NET User to the Bank.

7. The making and implementation of these Terms and Conditions are based on applicable laws and regulations in Unitary State of Republic of Indonesia.

8. THIS AGREEMENT HAS COMPLIED WITH THE PROVISIONS ON LEGAL REGULATIONS INCLUDING REGULATIONS OF FINANCIAL SERVICES AUTHORITY.