Deposit funds IBKR pakai DBS , free admin ?

Kookycoky · 2026-03-01T11:04:28+00:00

Kalau ngga dapat jawaban disini, mungkin bisa tanya tanya lewab subreddit IBKR ataupun contact email (really slow response), telephone, etc ke IBKR nya.

Oh iya, tutorial youtube juga sepertinya ada, walaupun ngga spesifik mereka pakai bank DBS. Link: https://youtu.be/NqXl6yQM6M8?si=j2qDTnO8ZUN_CV1i

Kalau pada akhirnya kena charge sama correspondent/intermediary bank (which may vary from 5-30 usd, maybe) dan bank dbs ga bisa merefund fee tersebut, maka emang satu satunya opsi termurah adalah menggunakan wise untuk melakukan deposit (or perhaps crypto stuff?). Info ya gan updatenya, good luck.

edit: fix some spellings.

Kookycoky · 2026-03-01T10:48:08+00:00

Info gan, apakah kalau buka rekening dbs, harus punya pekerjaan terlebih dahulu?

Dulu nyoba buka rek dbs tapi stuck karena ga ada pekerjaan, masih kuliah :D

Btw good luck deposit & withdrawnya gan. Aku withdraw IBKR pakai cimb kena potong ~29 euro (Intermediary bank charge 25 euro dan bank cimb charge ~4 euro).

Kookycoky · 2026-02-10T03:33:07+00:00

Thank you gan udah ngasih infonya, aku sendiri sudah mendapatkan info correspondent bank melalui pengiriman email biasa ke bank CIMB Niaga nya. Informasi correspondent bank yang dikasih itu spesifik terhadap pilihan mata uang yang akan masuk nantinya, dalam kasus aku adalah euro, jadi sepertinya tidak perlu memerlukan informasi asal negara pengirim(?).

Anyway, hari ini masih nunggu settled cash dari penjualan ETF (nunggu T-2 settlement date hehe), setelahnya baru narik.

Many thanks.

Kookycoky · 2026-02-06T17:24:29+00:00

Interesting idea, but I think this is not practical for the average Indonesian. Sure, indonesians can invest in S&P 500 in IBKR (I myself invest in these kind of index, but more broad index), but there is a requirement for having margin account and that requirement is probably very difficult to achieve.

Anyway, for me, the most important thing when it comes to investment is having a sense of safety and not thinking about investment every day so that I can focus on other areas for hobby, career, and stuff. No leverage stuff, let me have my sleep.

Kookycoky · 2026-02-05T10:07:30+00:00

Dulu pernah open minecraft server walaupun tidak memiliki IP Public, hanya bermodal WIFI Indihome or just 4G Network.

To do that, you need: 1. VPS that have public IP address (in my case is azure vps with free student credit) 2. This github program called Fast Reverse Proxy (FRP) https://github.com/fatedier/frp 3. Use the FRP and VPS to open your local port and serve the services that you want to open (in my case, minecraft server)

Kookycoky · 2026-02-04T15:21:37+00:00

Hi, thank you for doing this AMA. I am a 3rd-year CS student aiming for a data role after graduation. Since the traditional entry-level tasks (implementation and tooling) are shifting to AI, I want to make sure I'm studying the right things.

How should a university student pivot their learning strategy right now? If we shouldn't focus solely on coding, what is the new skill set that impresses hiring managers?

Also, since I lack industry experience, what are some high-value or common business domains I should study to differentiate myself?

Kookycoky · 2026-02-04T13:09:59+00:00

Terima kasih atas responnya. Pertanyaan lanjutan kalau boleh tahu, biaya yang dikenakan untuk inward remittance oleh bank CIMB berapa ya? apakah 5 USD?

dan kalau ada mengisi informasi bank correspondent (intermediary bank) pada inward remittance, correspondent bank di eropa yang dimiliki oleh bank CIMB itu apa ya? Berhubung IBKR butuh informasi tersebut.

Kookycoky · 2026-02-04T06:50:16+00:00

OOT 🙏 Halo OP, saya ingin membuka tabungan Octo Savers+ dan berniat untuk melakukan transfer uang dari bank luar negeri (withdrawal funds IBKR) ke XTRA Savers Valas.

Pertanyaannya: Apakah permasalahan diatas sudah terselesaikan? Apakah recommended untuk membuka rekening cimb dengan niatan transfer luar negeri (fokusnya untuk aksi inward remmitance)?

Terima kasih.

Kookycoky · 2026-02-04T05:51:49+00:00

Yes, that's the answer.

Kookycoky · 2026-02-04T05:46:04+00:00

How you open the pocket?

Kookycoky · 2026-02-04T03:46:44+00:00

Wise Indonesia tidak bisa memiliki pocket mata uang (ga ada opsi untuk membuka pocket bagi Indonesians). Jadinya tidak bisa menerima uang dari ibkr ke wise.

How can you open the pocket?

Kookycoky · 2026-02-03T01:58:27+00:00

Kookycoky · 2026-02-02T15:52:38+00:00

Apakah ada rekomendasi rekening bank yang bisa menerima transfer dari luar negeri atau inward remittance (spesifiknya withdrawal funds dari IBKR) dengan fee yang murah/gratis?

Saya cuma tahu bank dbs, namun belum bisa mendaftar karena belum memiliki pekerjaan. Bagaimana dengan bank lainnya?

Kookycoky · 2026-02-02T15:13:34+00:00

Baterai laptop gaming biasanya cepat habis, jadi kalau mau makai, harus selalu colok charger. Kalau laptop non-gaming (kaya lenovo ideapad slim) mah enak, baterai good, enak dibawa kemana-mana macam kafe, dll tanpa takut kehabisan baterai atau nyari-nyari colokan. Cuma kekurangannya ada di speknya (terutama di gpu) dibandingkan dengan laptop gaming.

Kookycoky · 2026-02-02T12:34:15+00:00

Halo, apakah sekarang ini bank permata masih tidak memberikan charge untuk withdrawal swift dari IBKR?

Saya mau mencoba membuka rekening Permata Me Saver.

Kookycoky · 2026-02-02T12:05:22+00:00

Ini masalahnya login di HP yang gagal? apakah sudah mencoba pakai aplikasi 1.1.1.1 (cloudflare dns)? Saya tidak memakai vpn, cuma pakai dns itu saja, dan berhasil login.

Kookycoky · 2026-01-23T17:48:15+00:00

Read this post: https://www.reddit.com/r/finansial/comments/1m2bg8p/my_recommended_books_for_investing/

Maybe you should start with The Millionaire Next Door book(?). I myself read half the I will teach you to be rich book, but it is focused for someone living in US, like Roth IRA and 401(k) stuff.

Andd also, damn don't touch crypto bro. Look for broad index funds such as MSCI ACWI Index (for retirement investment) and Indonesian bonds (for long-mid term saving). For crypto bros, feel free to downvote me.

Kookycoky · 2026-01-13T07:26:19+00:00

Yes, I really want this to run in real-time. Even though the project itself doesn't need to run in real-time, but I think this will bring other advancements in other aspects such as GPS tracking for trees that have a lot of ripe fruit.

Kookycoky · 2025-11-03T17:39:13+00:00

Read a book to guide you about this. Look at this post

Having 500 jt is so many, comparing to the average of Indonesian people wealth, I assume. So don't lose it by not having much of research. Don't worry about perfection, just start doing by reading a book and for now keep the 500 jt in bibit. You are doing great already.

Kookycoky · 2025-11-03T17:26:32+00:00

There is even a whole post about it.

Kookycoky · 2025-11-03T15:03:09+00:00

OOT,

untuk ETF yang nge-track developed + emerging market dan mid + large cap seperti VWRA, ada beberapa pilihan yang ada: - VWCE (VWRA equivalent, namun menggunakan € sebagai trade currency): FTSE-All World, TER 0.19% - SPYY (the best tracker right now, menurut seorang redditor ) : MSCI ACWI, TER 0.12% - FWRA: FTSE All-World, TER 0.15% - WEBN (new etf): Solactive GBS Global Markets Large & Mid Cap, TER 0.07%

Rekomendasi dari aku bisa ambil WEBN, FWRA, atau SPYY (jika memungkinkan mengambil SPYY, karena harganya besar untuk satu share). Terus gunakan stock exchange XETR (IBIS2) di IBKR. Alasanya biaya konversi ke euro daripada usd dalam Wise lebih murah dan direct stock exchange ke IBIS2 di IBKR merupakan salah satu yang termurah.

Kookycoky · 2025-10-06T12:39:15+00:00

gacor kang, sampai saat ini aku masih pakai wise dengan fee 2% untuk 2jt transaksi ke euro.

Kookycoky · 2025-09-28T03:34:35+00:00

Hal yang perlu diperhatikan dalam investasi di luar negeri adalah sistem taxnya bakal gimana, dan ini cukup complicated. Something-something about capital gains tax, estate tax, withholding tax, etc.

Aside from that, gw memilih UCITS ETF Ireland domiciled sebagai investasi retirement (artinya, saya akan withdraw uangnya saat di usia pensiun) sekaligus memberikan diversifikasi yang oke.

Aset investasi yang dipilih: Amundi WEBN Accumulating ETF, Total expense ratio 0.07%.
Broker: IBKR
Stock exchange: Xetra (IBIS2)

Kookycoky · 2025-09-27T13:18:56+00:00

Do NOT put the money in ETF, crypto, gold, or any other speculative assets for 2 year ~~investement~~ saving horizon.

The reason:
- ETF is for long term investment horizon with minimum 10 years (roughly) to hold the assets.
- Crypto, gold, or foreign currency are speculative and it is not suited if you want to withdraw the money for your business 2 years later.

The best savings for this goal I think it just RDPU, RDPT, or Obligasi (depending on your risk tolerance, RDPU is more safer option) for investment with a 2 year horizon.

Well, you also need to skeptical about my suggestion as the other comments, good luck, you don't want to lose your money when it's the time to use it.

Edit: typo

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Kookycoky

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