Using Your Permata Bank Deposit

There seems to be some confusion regarding the usage of deposits associated with Permata bank accounts. Here's a breakdown of the different types of deposits and their usage:

Non-Withdrawable Deposit

This is a minimum balance requirement that varies depending on the type of account and card you have. For instance, the green Permata card typically has a non-withdrawable deposit of 100,000 IDR, while the multi-currency card might require 1,000,000 IDR.

You cannot spend or withdraw this deposit. It serves as a minimum balance to keep your account active. If your account balance falls below this amount, you might incur additional fees or experience service limitations.

Withdrawable Deposit

Certain accounts, like the Maybank account, might require an initial deposit that can be withdrawn after a specific period or upon account closure. This deposit functions more like a temporary hold and can be accessed later.

Deposits for Specific Services

Deposits might be required for specific services, such as renting a motorbike or securing a beach club reservation. These deposits are typically refundable upon returning the motorbike or settling your bill at the beach club. However, it's crucial to understand the terms and conditions to ensure you meet the requirements for a full refund.

Tips for Using Your Permata Bank Deposit

• Clarify the type of deposit: When opening an account or using a service that requires a deposit, make sure you understand whether it's withdrawable or non-withdrawable.
• Maintain the minimum balance: For non-withdrawable deposits, always ensure your account balance remains above the required minimum to avoid fees and service disruptions.
• Understand refund policies: For refundable deposits, carefully review the terms and conditions for getting your money back.
• Keep track of your transactions: Regularly monitor your account activity to ensure you're aware of any deductions or changes related to your deposit.
• Contact Permata Bank customer service: If you have any questions or concerns about your deposit, don't hesitate to reach out to Permata Bank's customer service for assistance.

Disclaimer: This information is based on user-generated content and might not reflect the most up-to-date policies of Permata Bank. Please verify the latest information directly with the bank.