ATM Mandiri: Minimum Balance and Admin Fees 2025

In today's digital era, ATM Mandiri remains a vital banking service for Indonesia's society. As a smart customer, understanding minimum balance requirements and administrative fees is key to managing your finances efficiently.

Entering 2025, Bank Mandiri has updated its policies regarding minimum balances and administrative fees for various ATM card types. These changes reflect Bank Mandiri's commitment to providing more transparent and beneficial services to its customers.

As of January 2025, Bank Mandiri has implemented new policies covering:

1. Adjusted monthly administrative fees for several card types
2. Admin fee waiver programs with specific conditions
3. Updated minimum balance requirements
4. Enhanced benefits for priority customers

This guide will help you understand every important aspect of using ATM Mandiri, from minimum balance requirements to strategies for avoiding excessive fees.

‍

ATM Mandiri Minimum Balance by Card Type

Bank Mandiri offers several ATM card types in 2025, each with different minimum balance requirements. Here's the complete breakdown:

1. Mandiri Silver GPN

• Minimum balance: Rp 50,000
• Initial deposit: Rp 100,000
• Monthly admin fee: Rp 3,500
• Features: Domestic transactions through GPN network
• Ideal for: Customers focusing on domestic transactions

2. Mandiri Virtual VISA

• Minimum balance: Rp 100,000
• Initial deposit: Rp 250,000
• Monthly admin fee: Rp 5,000
• Additional features:
  • Domestic and international online transactions
  • 3D Secure protection
  • Adjustable transaction limits
• Perfect for: Active e-commerce users and digital transactions

3. Mandiri Gold VISA/GPN

• Minimum balance: Rp 150,000
• Initial deposit: Rp 500,000
• Monthly admin fee: Rp 7,500
• Advantages:
  • Higher transaction limits
  • Purchase insurance
  • Premium merchant access
• Suitable for: Professionals and business owners

4. Mandiri Platinum

• Minimum balance: Rp 250,000
• Initial deposit: Rp 1,000,000
• Monthly admin fee: Rp 12,500
• Premium benefits:
  • Priority branch service
  • Maximum transaction limits
  • Loyalty points program
  • Travel insurance
• Recommended for: High-value transaction customers

‍

Admin Fees and Monthly Deductions at ATM Mandiri

As of January 2025, Bank Mandiri has refreshed its administrative and transaction fee structure to provide better transparency for customers.

Regular Administrative Fees

1. Monthly Administration Fees

• Silver GPN: Rp 3,500/month
• Virtual VISA: Rp 5,000/month
• Gold VISA/GPN: Rp 7,500/month
• Platinum: Rp 12,500/month

2. Admin Fee Waiver Program

Bank Mandiri offers admin fee waivers under these conditions:

• Maintaining specified monthly average balance
• Active transactions through Livin' by Mandiri
• Enrollment in Mandiri payroll program
• Student account holders (special conditions apply)

‍

Transaction Fees

1. Bank Transfers

• Within Mandiri: FREE
• Inter-bank via SKN: Rp 3,500
• Inter-bank via RTGS: Rp 25,000
• BI FAST Transfer: Rp 2,500

2. Cash Withdrawals

• Mandiri ATMs: FREE
• ATM Bersama network: Rp 5,000/transaction
• Prima network: Rp 5,000/transaction
• Link network: Rp 4,000/transaction
• International ATMs: Rp 25,000/transaction

3. Balance Inquiries

• Mandiri ATMs: FREE
• Other banks' ATMs: Rp 2,500
• International ATMs: Rp 5,000

4. Special Service Fees

• Damaged card replacement: Rp 20,000
• Lost card replacement: Rp 25,000
• PIN reset: FREE through Livin', Rp 10,000 at branches
• Passbook reprint: Rp 5,000

‍

Special Conditions and Exceptions

1. Priority Customers

• Free inter-bank transfers
• Free withdrawals at any ATM
• Monthly admin fee waiver

2. Payroll Customers

• 6-month admin fee waiver
• 50% discount on inter-bank transfers
• Free withdrawals at ATM Bersama/Prima (3x/month)

3. Students

• Reduced admin fee of Rp 2,000/month
• Free transfers within Mandiri
• 50% discount on inter-bank transfers

‍

Tips for Managing Your ATM Mandiri Balance and Fees

To optimize your ATM Mandiri usage and minimize costs, here are practical tips you can implement:

‍

1. Avoiding Additional Fees

Maximize Digital Services

• Use Livin' by Mandiri for daily transactions
• Enable balance notifications for monitoring
• Set up auto-debit for regular payments
• Use QRIS for merchant transactions (fee-free)

Strategic Transaction Timing

• Avoid transfers near cut-off time (15:00 WIB)
• Schedule large transfers early in the month
• Plan monthly cash withdrawals

‍

2. Maintaining Minimum Balance Strategy

Regular Balance Management

• Keep a 20% buffer above minimum balance
• Set monthly balance check reminders
• Configure auto-transfers from main account when balance is low

Effective Fund Distribution

• Separate transaction and savings accounts
• Utilize Livin's pocket money feature
• Use virtual accounts for specific needs

‍

3. Admin Fee Waiver Program

Program Qualifications

• Maintain Rp 5 million average balance for fee waiver
• Complete minimum 10 digital transactions monthly
• Join Mandiri payroll program

Additional Benefits

• Free inter-bank transfers
• Digital transaction cashback
• Debit card transaction reward points

‍

4. Card-Specific Tips

Silver GPN

• Focus on domestic transactions
• Use GPN-logo merchants
• Avoid international transactions (higher fees)

Virtual VISA

• Optimal for online shopping
• Enable transaction notifications
• Take advantage of e-commerce promos

Gold & Platinum

• Maximize premium benefits
• Track loyalty points
• Use concierge services

‍

5. Transaction Security

Preventive Measures

• Regular PIN changes
• Activate 3D Secure for online transactions
• Monitor account statements regularly

Quick Response

• Save Mandiri Call Center number (14000)
• Know card blocking procedures
• Backup important transaction data

By implementing these tips, you can:

• Save up to Rp 50,000/month in admin fees
• Avoid minimum balance penalties
• Optimize ATM Mandiri card benefits
• Enhance transaction security

‍

Conclusion

Bank Mandiri continues its commitment to providing excellent service through various ATM card options tailored to customer needs. Here are the key points to remember:

Key Summary

• ATM card options ranging from Silver GPN to Platinum
• Minimum balances varying from Rp 50,000 to Rp 250,000
• Monthly admin fees ranging from Rp 3,500 to Rp 12,500
• Admin fee waiver programs available with specific conditions

Card Selection Recommendations

1. For Students: Silver GPN
2. For Active E-commerce Users: Virtual VISA
3. For Professionals/Business Users: Gold VISA/GPN
4. For Premium Customers: Platinum

Final Management Tips

• Utilize Livin' by Mandiri for digital transactions
• Maintain minimum balance according to card type
• Participate in loyalty programs for maximum benefits
• Monitor transaction and administrative fees regularly

‍

Frequently Asked Questions About ATM Mandiri

‍

1. What is the minimum balance required for ATM Mandiri?

Answer: Minimum balance varies by card type:

• Silver GPN: Rp 50,000
• Virtual VISA: Rp 100,000
• Gold VISA/GPN: Rp 150,000
• Platinum: Rp 250,000

Always maintain a 20% buffer above minimum balance to avoid penalty fees.

‍

2. Why does my account get monthly deductions?

Answer: Monthly deductions consist of:

• Card administration fees
• Monthly service fees
• Insurance fees (if applicable)

You can avoid admin fees by meeting waiver program requirements, such as maintaining average balance or active digital transactions.

‍

3. How can I get admin fee waivers at ATM Mandiri?

Answer: Several ways are available:

• Maintain Rp 5 million average monthly balance
• Complete minimum 10 digital transactions monthly
• Join Mandiri payroll program
• Register as a priority customer
• Use student-specific accounts

‍

4. Can I change my ATM card type for lower admin fees?

Answer: Yes, you can request card type changes by:

• Visiting nearest Mandiri branch
• Applying through Livin' by Mandiri
• Contacting Mandiri Call 14000

Card change process takes 3-5 working days.

‍

5. What are the inter-bank transfer fees using ATM Mandiri?

Answer: 2025 transfer fees:

• Within Mandiri: FREE
• BI FAST: Rp 2,500
• SKN: Rp 3,500
• RTGS: Rp 25,000

Tip: Use Livin' by Mandiri to earn transaction cashback.

For further information, contact:

• Mandiri Call 14000
• Website: bankmandiri.co.id
• Livin' by Mandiri app
• Nearest Bank Mandiri branch

*Note: All fees and conditions are subject to change according to Bank Mandiri policies. Data last updated January 2025.