Yesterday I have to make a deposit to a company bank account. Unfortunately this company has an USD account in other bank which we don't have account at their bank. I don't want to expose Bank name due to some reasons, anyway I give some clues. This bank share holders are Temasek Holdings (Pte) Ltd. and Deutsche Bank AG. I guess you know which bank rite ??
The amount I had to transfer was not a rounded, it was USD 3xxx,00 so anyway if we deposit all using $100 bill note it would be $ 4 change. This Bank cannot give an exact change in USD and they were giving me IDR equivalent. So they forced my to sell/exchange $4 which bank should return. I sort of complain and the teller said they don't have any $1 note ready for changing $4. Then I complained the teller that if the bank ready to have a foreign account to customer so I think there's a big possibilities that a customer deposit this account by using foreign currency like USD. Therefore there's no reason that BANK didn't have a small change for returning change. Then I would have to agree to this. Then they give me a rate with is $1= IDR 9075 while bank sold USD at IDR 9130.
When I asked the teller if we deposit at an exact amount of USD is it possible ?? she said yes but still small amount of USD Bank note not a full amount. What she meant that if you have bank notes valued $1, $10 or $20 the exchange rate wont be 1:1 compare to $100 bank note. So I had to pay some penalties for making deposit with small changes (like $1,$10 or $20). So no matter you give them an exact amount of dollar or not still you are being penalized. This is Indonesia boss !