Terms and Conditions

1. The Estafet Cuan Program (the “Program”) will run from 11–31 August 2026.

2. This Program is open to all active customers of PT Bank Neo Commerce Tbk (the “Bank”) who have a neobank account and complete all of the following requirements:
a. Post a story about your experience using the Bill Payment & Top-Up feature in neobank on Instagram, Facebook, TikTok, or Threads, including your referral code; or
b. Share your experience using the Bill Payment & Top-Up feature in the comments section of the Estafet Cuan post or in your review of the neobank app.
c. Complete a transaction using the Bill Payment & Top-Up feature in neobank during the Program period.

3. Prize Details:
17 winners will each receive an IDR 500,000 and Electricity Token & Bill Discount Voucher.

4. Winners will be selected by the Bank Neo Commerce team based on internal data verification and referral code validation, with the following criteria:
a..The submitted story about using the Bill Payment & Top-Up feature is engaging.
b.The participant has completed a transaction using the Bill Payment & Top-Up feature in neobank during the Program period.

5. The selected winners will be announced through Bank Neo Commerce’s official social media channels.

6. Prizes:
a. Discount Vouchers earned through the Program will be credited to the winner’s neobank account within a maximum of fourteen (14) business days after the winner announcement.
b. Winners will receive a notification once the prize has been distributed.
c. Discount Vouchers cannot be redeemed for cash, transferred, sold, or exchanged in any form.

7. Participants are advised to ensure they have a stable internet connection when participating in the Program. Only successful transactions recorded in the Bank’s system during the Program period will be considered valid.

8. All decisions regarding the Program, including its terms, winner selection, and any amendments to these Terms and Conditions, are final.

9. The Program is not applicable to employees of the Bank, their immediate family members, or the Bank’s business partners.

10. If the Bank discovers any form of misconduct, including but not limited to deliberate system attacks, manipulation to obtain promotional rewards, forgery, fraud, or any other unlawful activity, the Bank reserves the right to revoke the prize and pursue legal action where applicable.

11. By participating in this Program, customers are deemed to have read, understood, and agreed to all applicable Terms and Conditions.

12. For inquiries or complaints, customers may contact the official Customer Care via telephone at 1500-190, Instagram Direct Message @bankneocommerce, Facebook Bank Neo Commerce, email at customercare@bankneo.co.id, or the live chat feature in the neobank application.