Instant fund to guarantee deposits that are available in a wide selection of foreign currencies .

Overdraft Facilities


Overdraft is a lending product that uses fixed deposit, mutual fund, retails bond or bancassurance as the guarantee.

  • Quick and Easy process
  • Overdraft with fixed deposit as guarantee is available in various foreign currencies.
  • Lending amount up to 90% from guarantee amount.
  • Flexibility in fulfilling your financial needs, overdrafts can be used in situations such as additional business investment, personal needs or even contingency funding for urgent needs.
  • Supported by 24 hours banking facility with easy access on cash withdrawalthrough more than 17.000 ATM Bersama network in Indonesia and 24 hours phone banking facility for easy transaction wherever and whenever you are.
  • Easy facility within 12 months, thus, you can freely utilize the available fund based on your need. Overdraft facility can also be extended after 1 year.
Type of Products:
  • Fixed Deposit Overdraft Facility
    Overdraft facility is guaranteed by Fixed Deposit that can be applied in multi-currencies: EUR, GBP;AUD;USD;JPY;HKD,SGD and CAD.
  • Mutual Fund Overdraft Facility
    Overdraftt facility is guaranteed by Mutual Fund that can be applied in USD and IDR.
  • Retail Bond Overdraft Facility
    Overdraft facility is guaranteed by Retail Bond only apply for Local Currency Bond.
  • Life Insurance Overdraft Facility
    Overdraft facility is guaranteed by Life Insurance
General Requirements :

Requirements for Dana Instan for individual customers:

  • Copy of Identity Cards, both Husband and Wife
  • Credit Agreement Letter (signed by husband and wife)
  • Marriage Certificate and Family card
  • NPWP (tax registration number)

Please contact our Relationship Manager to open the Dana Instan account and we will help you to achieve your financial goals.

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For more information on our products and services, as well as complaints, please come to the nearest branch or

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.