CommBank SmartWealth FAQ

CommBank SmartWealth is the latest banking application for individual customers of Bank Commonwealth, to view the overall portfolio of investment products, purchase mutual funds, government bonds (secondary market) and e-SBN (primary market).

1. View the consolidated portfolio of your investment assets and the total market value of all mutual funds, bonds, Bancassurance, deposits, and savings products.
2. Know your risk profile and get portfolio recommendations according to your risk profile.
3. Purchase, transfer and sale of mutual funds as well as purchase and sale of government bonds (secondary market dan e-SBN (primary market).
4. Get the latest information of domestic and global market news.

To use the CommBank SmartWealth, you must be an individual customer of Bank Commonwealth. You can open savings account at Bank Commonwealth through CommBank Mobile application or the nearest Bank Commonwealth branch.

The minimum mobile requirements for the CommBank SmartWealth application are Android version 7 (Nougat) or iOS version 12.

1. Already registered as a Bank Commonwealth customer and have a savings account, or open an account at Bank Commonwealth through CommBank Mobile or the nearest Bank Commonwealth branch.
2. Download and install CommBank SmartWealth application through Play Store or App Store.
3. Enter the mobile number registered at the time of account opening.
4. Enter the OTP code sent via SMS to the registered mobile number.
5. Open an activation link sent to the email address registered at the time of account opening.
6. Create a 6-digit passcode to log into CommBank SmartWealth.

If the email address you use is different, then you must renew your email address data at the nearest Commonwealth Bank branch.

You can send an email containing the CommBank SmartWealth activation link to the email you registered on the mobile phone that you will use for the CommBank SmartWealth.

Make sure your e-mail address is correct, and then re-register the CommBank SmartWealth application. Click "check email" on the screen and press the 'resend verification email' button. You will immediately receive a new activation email.

You can press the 'Forgot Passcode' button on the login page.

You can press the 'Forgot Passcode' button on the login page. In the process of forgetting your passcode, you will need to enter a new passcode.

If your account is blocked and cannot log in, you may try to log in again within 1 hour, the system will automatically unlock your account after being blocked for 1 hour.

You can come to the nearest Commonwealth Bank branch to update your mobile number. Then you can re-register the CommBank SmartWealth application with a new mobile number no sooner than 2 days after it has been updated in branch.

You can use the CommBank SmartWealth application after downloading and re-registering on your new cellphone.

Make sure your network signal is strong, SIM Card status is active and not within a grace period. Please wait a while before trying to request a Resend OTP SMS. If you still do not receive the OTP SMS, you can contact Call CommBank 15000 30, Call CommBank Premier 1500 938 or (62 21) 5080 7500 (international access) for assistance.

You can see your data position on each product in the CommBank SmartWealth application

Your savings balance will be displayed in real time, according to the time information written on the CommBank SmartWealth. For newly opened time deposit, either opened via Internet Banking or Bank Commonwealth branch, it will be displayed in CommBank SmartWealth at T+2 working days.

You can contact your Relationship Manager, Call CommBank 15000 30, or Call CommBank Premier 1500 938, or (62 21) 2935 2935 for international access. You may also send an email to customercare@commbank.co.id.

The requirements for buying Online Government Securities are:

1. Indonesian citizen
2. Have an Individual account in Rupiah in Commonwealth Bank.
3. Have a KSEI number.
4. Registered as a treasury customer.
5. Have Single Investor Identification (SID).
6. Has an active risk profile.

The payment can be made through Mobile Banking or Internet Bankings by entering the order code (Tax Order) in the Tax Payment menu. You can also make payments for e-SBN through the nearest Commonwealth Bank branch.

The latest time to make e-SBN payments is 3 hours after you placed an order.

You can see the status in the "Order Monitoring" menu on the "SBN Online" page.

There is a possibility that no e-SBN offering at the time.

You can redeem early through the "Early Redemption" menu on the SBN Online screen.

It will be credited to the savings account that you chose when registering for e-SBN

Before you can transact, you must have:

1. Unit Holder Account;
2. Active risk profile.

You can redeem it from redemption page, in which you can choose with product that you would like to redeem.

It means to transfer some units of a certain mutual fund product to another mutual fund products according to the price of each applicable mutual fund product.

You can do it from switching page, in which you can choose with the product that you would like to switch.

The minimum subscription amount depends on the respective mutual fund product, where the information is on the product page

The minimum redemption amount depends on the respective mutual fund product, where the information is on the product page

If you made a transaction before 13:00 WIB, it will immediately be processed on the same day and use the mutual fund buy / sell price (NAV) on the same day.
If you made a transaction after 13:00 PM or during a holiday, it will be processed on the next business day and use the buy / sell price of mutual funds (NAV) on the next working day.
You will receive an email confirmation after your transaction is done

For Mutual Fund subscription with foreign currency, You must have a savings account in accordance with the currency of the mutual fund product that you want to buy. To be able to open a foreign currency savings account, you can visit the nearest Commonwealth Bank branch.

The possibility is you have done the disbursement before and the process has not yet been completed, so the number of units you have not decreased, as redemption process will take 3 (three) until-7 (seven) working days (based on prospectus). Or if you made a partial disbursement or switch, there would be a minimum requirement of unit owned for certain mutual fund products.

Requirements to have a bonds transaction with CommBank SmartWealth Application :

• Having an Individual Account with IDR or USD Currency in Commonwealth Bank
• Active Registered as Bonds Investor in Commonwealth Bank
• Having a Custodian Account Number that has been registered in Commonwealth Bank
• Having an Active Risk Profile.

You can monitor your Bonds for Buy and Sell transaction status in Activity Tab

Start your transaction by pressing "+" button for Bonds Product then choose your preference by clicking “Buy” from the Bonds Product List available.

You will be able to sell your Bonds by clicking "Sell" on your Bonds Portfolio List in the Investment Tab and then continue with the transaction

Your fund will be credited to your Saving Account that has been designated as a transaction account when your first registered investor identification in Bank Commonwealth.