FAQ

FAQ

What features are available on Bank Mestika’s Internet Banking Service?

Accounts All Accounts
Saving, Current & Time Deposit
Loan
Transfer & Payments InHouse Transfer
Domestic Transfer
Mestika Virtual Account
Bill Payment
Purchase
Future Transaction Update
Transaction Status
Predefined Beneficiary
Bill Payment Payee
Purchase Payee
Manage proxy address
Preferences Change Password
Personalization
Account Maintenance
Inquiry System Cut-Off Time
Forex Rate Inquiry
Online Transaction Detail
Request Authentication Device (Token)
e-Statement e-Statement Download

Why is it necessary to use Bank Mestika’s Internet Banking?

Bank Mestika’s Internet Banking is designed with a comprehensive range of services, offering convenience and freedom to transact anytime and anywhere.
Features of Bank Mestika’s Internet Banking include:
  1. Transfer between Bank Mestika accounts in the same currency (Rupiah-Rupiah)
  2. Real-time online interbank transfers, including SKN, RTGS, and BI-Fast
  3. Access to information on all types of accounts, including Savings, Giro, Time Deposit and Loans
  4. Bill payments: Telkom, Telkomsel, Government Payments
  5. Purchase of Telkomsel mobile credits and data packages
In addition to these extensive features, Bank Mestika’s Internet Banking is equipped with electronic transaction security measures such as:
  1. Unique User ID and Password for each user
  2. Secure connection protocols for added security
  3. Utilization of Mobile Token for transaction verification, available for download on Play Store (Android Users) and App Store (iOS users)

What are the usage fees for Bank Mestika’s Internet Banking and are there any fees for Interbank transfers?


The usage of Bank Mestika’s Internet Banking is free of charge. The transaction fees for Bank Mestika’s Internet Banking services are as follows:
  1. Inhouse Fund Transfer (according to applicable terms)
  2. Mestika Virtual Account Fund Transfer (according to applicable terms)
  3. Fund Transfer to other banks via SKN, RTGS, Online, BI-Fast (according to applicable terms)
  4. Telkom and Telkomsel Bill Payments (according to applicable terms)
  5. Government Payment (according to applicable terms)
  6. Telkomsel mobile credits and data packages purchases (according to applicate terms)

Who can register for Bank Mestika’s Internet Banking?

Registration for Bank Mestika’s Internet Banking System can be carried out by all Bank Mestika customers who possess Savings and/or Individual Giro accounts along with a Bank Mestika ATM card

How can I register for Bank Mestika’s Internet Banking?

Registration can be done through the nearest Bank Mestika branch.
After the completion of registration, customers can log in to Bank Mestika’s Internet Banking through the website https://ib.Bankmestika.co.id

When can I access Bank Mestika’s Internet Banking?

Bank Mestika’s Internet Banking is a 24-hour banking transaction service that can be accessed easily anytime and anywhere

When can transactions be conducted through Bank Mestika’s Internet Banking?

Transactions can be conducted after registering the Mobile Token for Bank Mestika’s Internet Banking.
Register for the Mobile Token at the nearest Bank Mestika branch and download the “Mobile Token Internet Banking Bank Mestika” application from the Play Store (Android) or App Store (iOS)

What are some necessary steps to take if the Mobile Token for Bank Mestika’s Internet Banking is lost?

Visit the nearest Bank Mestika branch or contact MestikaCall at 14083

Is there a fee for Bank Mestika’s Internet Banking Mobile Token?

The Mobile Token for Bank Mestika’s Internet Banking is free of charge

What hardware/software can be used to access Bank Mestika’s Internet Banking?

A computer/laptop/gadget supported by a browser and equipped with an internet connection

Can I change my User ID?

User ID for Internet Banking are not allowed to change

Types of transactions messages and their meanings

  1. Executed Succesfully - The command has been successfully executed
  2. Rejected- The command is not to be executed or the transaction is canceled
  3. Pending Execution- The command has been received, and the transaction will be executed on the relevant dates
  4. Execute with Failure- Execution failed due to obstruction in the transaction process, resulting in a failure
  5. Fail on Creation- The transaction failed during the creation process due to insufficient resources to further process the transaction

How secure are the passwords for Bank Mestika’s Internet Banking?

A password consisting of a combination of 8 to 12 alphanumeric characters (including at least 1 uppercase letter) that provides extra security and presents a high level of difficulty for other parties to guess.

Creating a password that is easy to remember yet difficult to guess is essential for safeguarding your banking data. Avoid sharing your banking information with anyone and refrain from strong it carelessly.

Can I change my password?

Yes, passwords can be changed by log in into Bank Mestika’s Internet Banking, clicking on “Preferences”, and selecting “Change Password”.

What if I forget my password?

You can perform a password reset through a Bank Mestika branch if you do not or have not activated the Mobile Token. If you already have Mobile Token, you can select the “Forgot Password” on the Bank Mestika’s Internet Banking homepage located on the link https://ib.Bankmestika.co.id.

What are the necessary steps to take if the User ID and/or Password are lost or stolen?

Visit the nearest Bank Mestika branch or contact MestikaCall at 14083.

What are the necessary steps to take if suspicious transactions without authorization have occurred?

Visit the nearest Bank Mestika branch or contact MestikaCall at 14083

Which web browsers can access Bank Mestika’s Internet Banking?

It is recommended to use the latest versions of browsers, some of those include
  • Google Chrome
  • Mozilla Firefox
  • Safari

Why might there be a slow response when accessing Bank Mestika’s Internet Banking?

A slow response time can be attributed to inadequate internet network connectivity

Can Bank Mestika’s Internet Banking access all accounts and their balances that are within Bank Mestika?

All accounts and their balances can be displayed on Bank Mestika’s Internet Banking under the name of individual customers (with the exception of joint accounts)

In which menu can the checking of account balance information and transaction details be done?

Checking can be done after logging into Bank Mestika’s Internet Banking. Select the “Account Information” menu to view account balances, and select the desired account to see transaction details

How often is the information on accounts updated?

Account information is updated in real-time. New account openings will be displayed on the following business day.

What type of loan accounts can be viewed on Bank Mestika’s Internet Banking?

All loan accounts can be displayed on Bank Mestika’s Internet Banking under the name of individual customers, including Consumer Loans, Investment Loans, and Working Capital Loans

How can I find the next installment due date on Bank Mestika’s Internet Banking?

The next loan installment due date is displayed by selecting the desired loan account on Bank Mestika’s Internet Banking

How to pay bills using Bank Mestika’s Internet Banking?

Bill payment through Bank Mestika’s Internet Banking can be done as follows:
  • Select the “Bill Payment” menu
  • Then choose the “Payee Not Listed” option if the bill data has not been registered. Fill in the “Payee Name” and click “Save to List” for registered bills to facilitate future payments
  • Choose the account to make the payment from under the “From Account” menu
  • Select “Transfer Schedule” to initiate the bill payment
  • Click “Submit” and ensure that the bill details are accurate
  • Proceed with “Confirm” to complete the bill payment

Can foreign currency accounts be used for bill payments through Bank Mestika’s Internet Banking?

As of now, bill payments from foreign currency accounts cannot be made through Bank Mestika’s Internet Banking

Can payments be made for Companies/Billers that have not been registered on Bank Mestika’s Internet Banking?

Bill payments can only be added to companies/billers listed on Bank Mestika’s Internet Banking

Is there a fee for bill payments made through Bank Mestika’s Internet Banking?

Every bill payment through Bank Mestika’s Internet Banking is subjected to fees as per the applicable terms and conditions

Can multiple bill payments be made to the same Company/Biller through Bank Mestika’s Internet Banking?

You can make multiple bill payments to the same company/biller through Bank Mestika’s Internet Banking

Will I be notified for the failed bill payments?

Failed bill payments will trigger notifications sent to the registered email address. Additionally, you can periodically check the bill payment status through Bank Mestika’s Internet Banking

What is the bill payment limit through Bank Mestika’s Internet Banking?

Bill payment limit is calculated on a daily basis according to the applicable terms and conditions

What vouchers can be purchased through Bank Mestika’s Internet Banking?

The purchases of prepaid mobile credit vouchers include vouchers for Telkomsel (Simpati and AS)

How to purchase prepaid mobile top-up vouchers through Bank Mestika’s Internet Banking?

The purchase of prepaid mobile credit vouchers can be done as follows:
  • Select the "Transfer & Payment" menu, then choose "Voucher Payment."
  • Then select the "Payee Not Listed" option if the voucher purchase data hasn't been registered yet. Fill in the "Payee Name" and click "Save to List" for the registered vouchers to facilitate future payments.
  • Choose the account to make payment from the "From Account" menu.
  • Select "Transfer Schedule" to initiate the payment.
  • Click "Confirm" and proceed to choose the desired credit amount under the "Total Payment" menu.
  • Ensure that the voucher purchase details are correct and confirm the prepaid voucher purchase.

How to determine the amount of prepaid mobile credit vouchers to be purchased through Bank Mestika’s Internet Banking?

Purchases of prepaid mobile credit vouchers can be selected and chosen in the “Total Payment” menu when buying the vouchers.

Can purchases of prepaid mobile credit vouchers for providers that are not available on Bank Mestika’s Internet Banking be made?

The purchase of prepaid mobile credit vouchers can only be done for providers that are registered on Bank Mestika’s Internet Banking.

Can the purchase of prepaid mobile credit vouchers be made multiple times to the same biller?

You can purchase multiple prepaid mobile credit vouchers from the same biller. Prepaid voucher purchases can be conducted multiple times, within the daily limit set by the Bank

Does Bank Mestika’s Internet Banking provide customizable scheduled transactions (for future dates) or recurring transactions?

Yes, Bank Mestika’s Internet Banking provides transaction services that can be scheduled for a desired date, either as one-time transactions (future date) or on a recurring basis, including daily, weekly, or monthly intervals.

Will I be notified for every failed transaction?

Every failed transaction will receive a notification sent to the registered email address. If you wish periodically check the transaction status, you can do so through Bank Mestika’s Internet Banking by navigating to the “Information” menu and selecting “Online Transaction History”

Is there a purchase limit made through Bank Mestika’s Internet Banking?

Purchase transactions through Bank Mestika’s Internet Banking are subjected to minimum and maximum limits as per the applicable terms and conditions

What are the necessary steps to take if suspicious transactions without authorization have occurred?

Visit the nearest Bank Mestika branch or contact MestikaCall at 14083.

Can fund transfers be made to other Bank Mestika accounts?

Fund transfers between Bank Mestika accounts in Indonesian Rupiah currency can be conducted without any charges

Can fund transfers be made in currencies other than the Indonesian Rupiah?

Fund transfers can only be conducted with Indonesian Rupiah Currency.

Can fund transfers be made to other bank accounts through Bank Mestika’s Internet Banking?

Through Bank Mestika’s Internet Banking, transactions to other banks can be conducted via SKN, RTGS, Online, and BI-FAST with a daily limit according to the bank’s regulations.

How can I register accounts from other banks as recipients for fund transfers in Bank Mestika’s Internet Banking?

Registering an external bank account in Bank Mestika’s Internet Banking can be done while performing a transaction to another bank using any type of service by:
  • Selecting “Recipient Account” and choose “Recipient Account not yet registered.”
  • Fill in the recipient’s account details and save it to the recipient’s list for easier future transactions

Can Bank Mestika’s foreign currency accounts be used for fund transfers through Bank Mestika’s Internet Banking?

Bank Mestika’s foreign currency accounts are currently unable to facilitate fund transfers to other banks through Internet Banking. To perform fund transfers to other banks, you can visit the nearest Bank Mestika branch.

What types of fund transfer services are available through Bank Mestika’s Internet Banking?

There are 4 types of interbank fund transfer services available, namely:
  • SKN (Sistem Kliring Nasional)
  • RTGS (Real Time Gross Settlement)
  • BI-FAST (Bank Indonesia Fast Payment)
  • Online

How can I set other bank accounts as recipients for interbank transfers?

You can set up another bank’s account as a recipient for fund transfers from your Bank Mestika account through the following steps on Bank Mestika’s Internet Banking:
  • Navigate to “Transfer & Payment”- “Predefined Beneficiary” on Bank Mestika’s Internet Banking
  • Choose to add either “Within Bank (Bank Mestika Account)” or “Domestic Bank (Other Bank Account)”.
  • Select “Add”, provide the required information, and proceed with “Confirm”. If you are transferring to an unlisted account, this step will save the recipient’s details for future transactions

How much is my fund transfer limit?

Your fund transfer limit is set according to the applicable terms and conditions

Will recipients of fund transfers receive notifications when transfers are made through Bank Mestika’s Internet Banking?

Transaction notifications can be received by the fund transfer recipient via email if they have provided their email address during the transaction process through Bank Mestika’s Internet Banking.

How can the correspondence email address be changed through Bank Mestika’s Internet Banking?

The correspondence email address can be changed by going to the “Settings” menu and selecting “Personalization” to modify the desired correspondence email address.