siMantap Reward Savings (SMARD)

siMantap Reward Savings (SMARD) is a flagship savings product from Bank Mandiri Taspen designed to help customers fulfill their dreams by obtaining their desired rewards instantly — without any draw or lottery. 

By saving from as little as IDR10 million, with flexible tenors ranging from 3 to 120 months, customers are free to choose any reward they wish, such as vehicles, gold, jewelry, gadgets, and more. 

Benefits:

Receive new items as rewards equivalent to a savings interest rate of 5.5% p.a.

Terms and Conditions of SMARD Savings:

• Denominated in Indonesian Rupiah (IDR)
• Account opening available for individual and non-individual customers
• The value of the reward is equivalent to the interest paid in advance for the selected deposit term
• Placement period: Minimum 3 months and maximum 120 months
• Minimum deposit: IDR10.000.000 (ten million rupiah)
• Penalty fee applies for early withdrawal before maturity, equal to the reward value received (including interest tax)
• No monthly administrative fees and no dormant account fees

Tabungan siMantap Reward (SMARD) Funtastik / siMantap Reward Savings (SMARD) Funtastik

siMantap Reward Savings (SMARD) Funtastik is another flagship savings product from Bank Mandiri Taspen, offering customers a guaranteed fixed-interest benefit throughout the agreed term — a financial solution designed to provide peace of mind for retirees. 

Benefits:

Enjoy rewards equivalent to savings interest up to 5.5% p.a. with a one-time deposit placement.

Customers are entitled to receive fixed interest payments throughout the agreed tenor (from 61 to 120 months).

The first interest payment is made in the month following the deposit opening.
The interest payment term is longer than the saving term.

Terms and Conditions of SMARD Savings:

• Available for individual customers of Bank Mandiri Taspen
• Minimum deposit: IDR300.000.000 (three hundred million rupiah)
• Saving tenor: Minimum 60 months and maximum 90 months (in monthly increments)
• Benefit payment tenor: Minimum 61 months and maximum 120 months (in monthly increments)
• Penalty fee: Equal to the total accumulated monthly benefit payments throughout the agreed term between the Bank and the Customer (including tax)