Anda akan menerima SMS memaklumkan bahawa Astro Box yang anda hantar telah diterima oleh pihak Astro. Walau bagaimanapun, anda boleh menjejaki penghantaran tersebut menggunakan nombor tracking kurier yang tertera di nota atau borang penghantaran.

Astro X3’s no-contract option is part of our upcoming offering to give customers greater flexibility and control over their viewing experience.

It is designed with simplicity and ease in mind—allowing customers to sign up, pause, or cancel at any time. More details on how it works and what’s included will be shared soon.

Stay tuned for updates!

Tidak. Walau bagaimanapun, jika anda ingin batalkan perkhidmatan TV berbayar Astro tetapi berhasrat untuk melanggannya semula pada suatu tarikh, tempoh (tahun)anda bersama kami akan ditetapkan kepada status permulaan asal mengikut tarikh pengaktifan baru dimana peringkat Astro Rewards anda akan ditetapkan semula keperingkat Magenta.

Jika anda mempunyai kabel Astro yang tidak digunakan, alat kawalan jauh atau kotak lama yang terbiar di rumah, anda dikehendaki membuang semua peranti tersebut di Pusat Pengumpulan E-Waste yang berdaftar yang boleh dirujuk di sini.

Untuk semua soalan berkaitan kitarsemula, sila klik di sini.

Jika anda cuba untuk melawati laman web tetapi ia tidak berjaya dibuka berbanding laman web lain, mungkin terdapat pelbagai sebab. Jika laman itu sendiri tidak berfungsi, anda tidak boleh buat apa-apa selain menunggu.

Jika anda boleh memuatkan laman pada komputer atau peranti lain (pastikan anda cuba cara sambungan yang berbeza ke Internet), mungkin terdapat masalah dengan komputer atau rangkaian anda.

Terdapat beberapa cara pembaikan yang pantas. Ianya akan membantu menyelesaikan kebanyakan masalah tetapi memerlukan penglibatan anda.

1. Cuba buka laman web pada peranti yang berbeza.

Cuba buka laman web pada telefon anda atau pada komputer lain. Jika laman web berjaya dibuka pada peranti lain, masalah adalah berpunca dari komputer anda.

Jika laman web tidak berjaya dibuka pada peranti lain, masalahnya sama ada dengan rangkaian atau laman web itu sendiri.

2. Matikan dan hidupkan semula komputer anda.

Sering kali, dengan mematikan dan menghidupkan semula dapat membaiki masalah yang anda alami. But semula komputer anda dan buka laman web sekali lagi.

3. Cuba buka laman web dalam pelayar yang berbeza.

Terdapat beberapa tetapan yang tidak dikonfigurasikan dengan betul pada pelayar anda. Cuba pelayar web yang berbeza untuk melihat jika anda boleh membuka laman web tersebut.

4. Tutup (disabled) program antivirus anda buat sementara waktu.

Perisian antivirus anda mungkin mengganggu keupayaan anda untuk membuka laman web tertentu.

Cuba menutup (disabling) perisian dan kemudian membuka semula laman web. Pastikan anda menghidupkannya sekali lagi sebaik sahaja anda telah mengenal pasti masalah.

5. Set semula modem dan router anda.

Trafik pada tapak web tertentu mungkin menyebabkan seseorang melakukan kesilapan dengan modem atau router anda. Penetapan semula peranti ini boleh membenarkan anda mencapai laman web sekali lagi.

6. Periksa tetapan tarikh dan masa komputer anda.

Jika tarikh atau masa anda tidak ditetapkan dengan betul, anda mungkin tidak dapat bersambung ke laman web yang selamat (https://).

Periksa jam komputer atau peranti mudah alih anda untuk memastikan bahawa ia ditetapkan kepada masa dan tarikh yang betul.

7. Sekiranya masalah berlarutan, sila berikan butiran di bawah untuk semakan lanjut:

i. Senarai laman web yang terjejas.

ii. Jalankan Ujian Kelajuan menggunakan LAN (kabel) dan sambungan Wi-Fi - Sila klik di sini untuk garis panduan Ujian Kelajuan.

iii. Jalankan Ujian Traceroute - Sila klik di sini untuk garis panduan Ujian Traceroute.

iv. Jalankan Ujian Ping - Sila klik di sini untuk garis panduan Ujian Ping.

Setelah anda mengumpulkan semua keputusan, hantarkan semua melalui Borang Maklum Balas di bawah.

Maklumat Pantas
Ujian kelajuan ialah perkhidmatan yang memberikan analisis percuma bagi parameter capaian Internet, seperti kadar data sambungan.
Ujian Ping menunjukkan tempoh yang diperlukan untuk paket sampai kepada hos.
Ujian Traceroute mengesan laluan paket ke hos destinasi daripada server kami.

Untuk tetapan rangkaian Mesh Wi-Fi di sekitar rumah anda, unit Mesh perlu dipandankan dengan router WiFi. Langkah-langkah untuk padankan kedua-dua peranti ini adalah seperti berikut:

i. Letakkan unit Mesh berdekatan dengan router WiFi (dalam jarak 2 meter) dan hidupkannya.

ii. Selepas unit Mesh dihidupkan, tekan dan tahan butang WPS unit Mesh dan router WiFi selama 3 - 5 saat secara bergilir-gilir dalam masa 2 minit.

iii. Selepas penunjuk WLAN dan Internet Mesh bertukar menjadi biru dan stabil, Mesh telah disambungkan ke Internet.

iv. Alihkan Mesh ke tempat yang dikehendaki di mana anda perlu menguatkan isyarat WiFi dan hidupkannya. Selepas penunjuk Internet bertukar warna biru dan stabil, isyarat WiFi telah berjaya dikuatkan.

Jika pemohonan anda tidak berjaya, anda boleh memohon sekali lagi menerusi aplikasi/laman sasawang MyAstro. Sila rujuk soalan No.5 untuk arahan seterusnya. Kami menyarankan agar anda memberikan nombor TIN anda ketika pemohonan dilakukan. Untuk bantuan lanjut, anda boleh menghubungi kami menerusi Astro Help & Support.

Yes, starting 9 December 2024, the new packs will be the default offering from Astro.

Anda boleh melakukan perubahan pada pelan Netflix yang termasuk dalam Pek Gabungan (bundle pack) anda melalui My Astro app

Anda boleh menukar pelan Netflix ala-carte bukan pek kombo Astro (bundle pack) anda pada bila-bila masa dengan mendaftar masuk ke Netflix.com dan mengunjungi halaman Akaun, kemudian memilih Tukar Pelan (change plan) untuk melihat dan memilih pelan yang disediakan.

Untuk informasi lebih lanjut tentang aplikasi Astro Fibre, sila klik di sini untuk panduan pengguna terperinci.

Existing Netflix add-on customers will be notified prior to their next bill cycle via email.

If the Astro Smart TV app crashes on your Smart TV, please follow the steps below:

1. Clear the App Cache

• Clear the Astro Smart TV application cache on your Smart TV.
• Once completed, relaunch the Astro Smart TV app.
• Check if the issue has been resolved.

2. Reinstall the Astro Smart TV App

• Uninstall the Astro Smart TV app from your Smart TV.
• Download and install the latest version of the Astro app from your TV's app store.
• Launch the app after installation.
• Try playing content again to verify whether the issue has been resolved.

If the app continues to crash after completing the above steps, proceed to submit report via WhatsApp or Feedback Form and provide:

• Astro ID use
• Smart TV model
• OS version
• Details of the content being played when the crash occurs

This will help our support team investigate and assist you further.

Terokalah ribuan filem dan siri yang menambat hati. Koleksi kami sentiasa bertambah. Kalau anda mahu menikmati lebih banyak filem di samping langganan sedia ada anda, tekan butang Utama dan pilih On Demand. Gunakan kekunci anak panah untuk skrol ke Store. Pilihlah mana-mana filem untuk disewa selama tempoh hingga 48 jam.

Bermula 16 Februari 2024, anda mungkin akan diminta untuk melakukan pengesahan Astro ID semasa log masuk ke akaun Astro di platform digital, seperti www.astro.com.my, Astro GO, My Astro, dll. Proses 2-langkah ini merangkumi pengesahan alamat e-mel atau nombor telefon, dan juga memasukkan semula kata laluan anda yang sedia ada.

Yes, you can choose the other Astro Packs, which do not have Netflix bundled together. However, any changes in your Astro Pack are subject to the terms & conditions.

Apabila akaun anda telah mencapai tempoh (tahun) matang untuk menaik taraf, kami akan menaik taraf peringkat akaun anda yang sedia ada ke peringkat yang baru dan anda akan nikmati ganjaran yang lebih menarik ditawarkan di dalam aplikasi My Astro. Yang paling best, anda masih layak untuk menikmati semua ganjaran daripada peringkat sebelumnya juga.

Untuk pelanggan Astro TV berbayar: Anda boleh mengubah kontrak anda, contohnya daripada 12 bulan kepada 24 bulan, tanpa dikenakan caj pertukaran atau caj pembatalan. Tapi jika anda mengubah kontrak anda daripada 24 bulan kepada 12 bulan, anda akan dikenakan caj pembatalan jika masih dalam tempoh minimum (kontrak). Tiada caj pertukaran dikenakan.

You can access your Prime Video Account on up to three (3) devices at a time (including your Ultra/Ulti Box), have up to 6 different profiles. However, you are only able to stream 2 devices concurrently for a single show/movie. To ensure a smoother streaming experience, please sign out from any unused devices.

Sila pastikan anda:

a. Sediakan kad pengenalan asal andaš MyKad (Depan ; Belakang) dengan anda (Warganegara Malaysia)

b. Sediakan Pasport asal anda & Visa dengan anda. (Bukan Warganegara Malaysia)

c. Dalam persekitaran yang terang

Caj kurier akan ditanggung oleh Astro untuk mendapatkan semula box dan Kad Pintar/Kad SIM.

After successfully adding ZEE5 Premium to your bill, follow the simple steps below to stream ZEE5 on your Ultra/Ulti Box:

Step 1: Go to your Astro Home Page and click “ZEE5” under the Apps rail
Step 2: Scan the QR code on screen with your mobile device
Step 3: Log in with an existing ZEE5 ID or sign up for a new account. Then, enter the activation code displayed on your TV screen into the ZEE5 mobile app.
Step 4: Now, enjoy streaming ZEE5 on your Ultra/Ulti Box!
Please ensure that the email address used to log in to the app is the same one used to purchase your ZEE5 premium subscription.

Lawati https://product.astro.com.my/box/ulti atau lihat panduan pengguna kami untuk cara yang cepat dan mudah untuk bermula!

FAQs: Netflix on Astro

1. What is Netflix?

Netflix is a streaming entertainment service that offers a wide variety of award-winning TV programmes, films, anime, documentaries and more - on thousands of internet-connected devices. There's always something new to discover, and more TV shows and movies are added every month. The more you watch, the better Netflix gets at recommending TV shows and movies you’ll love.

Astro customers with an internet-connected Ultra Box or Ulti Box canaccess the Netflix app and watch Netflix content via their Astro Box. For more information about Netflix, visit the Netflix website https://about.netflix.com/en

2. Which new pack comes with Netflix?

Any packages with Entertainment Plus, Movies Plus & Sports Plus will include Netflix. The default Netflix offering is Netflix Standard (2 screens and HD viewing) as part of your Entertainment Plus, Movies Plus and Sports Plus subscription. You can upgrade up to Netflix Premium (4 screens and 4K UHD viewing) at a price of RM 10 (inclusive of govt. tax).

Note: For the above subscriptions, you may use the email address used for your existing subscription with Netflix to activate and the future billing for Netflix will be transferred to your Astro bundle charges. For users that are billed for Netflix through Apple before joining the Astro bundle, remember to cancel your Apple billing arrangement after activating the Astro bundle else you may be double charged for your Netflix account.

If you do not have a bundle which includes Netflix, you may also add anew Netflix subscription to your Astro Bill for billing convenience.

3. How do I know if my new pack includes Netflix?

If Netflix is included as part of your Astro pack, you will find it in My Astro app called “Apps” where you will be able to manage all the streaming apps you are entitled to.

Netflix will also be included in your Astro bill under “MonthlyCharges”

If you have added Netflix to your bill (Netflix Add-on), the Netflix subscription charge will appear in your Astro bill under “One-time charges” as Netflix App Subscription or Netflix Premium and will be charged monthly. You should refer to Netflix account Management for any changes to your Netflix subscription or should you wish to change to other billing methods.

4. I signed up for the EntertainmentPlus / Movies Plus / Sports Plus pack that includes Netflix. How do I activate my Netflix account?

You should have received an email or SMS with your activation details, please click on the link provided to be redirected to the Netflix website to activate your account.

Alternatively, you can also activate Netflix on your Ultra/Ulti Box. Please surf to CH 741 on your Ultra/Ulti Box (or click the Netflix button on your Astro remote) and follow the instructions on the screen.

5. Will I be able to access Netflix on my Ultra/Ulti Box?

You will be able to access Netflix on your Ultra and Ulti Box. However, kindly note that if you have an Ulti Box with a Netflix Premium subscription, you will not be able to watch content in 4K UHD and Netflix Spatial Audio.

6. How do I change my Netflix plan or account information?

You can make changes to your Netflix plans that are included in your Bundle through My Astro app.

You can change your non Astro-bundled a-la carte Netflix plan at any time by signing into Netflix.com and visiting the Account page, then selecting Change Plan to view and select available plans.

7. How many devices can I access Netflix at once?

Customers with a Netflix Premium account are allowed to watch on up to 4 supported devices in 4K UHD and Netflix Spatial Audio. In addition, Netflix Premium subscribers are also allowed to download shows to watch offline on 6 devices at a time.

Netflix Standard account customers are allowed to watch shows in Full HD and download them to watch offline on up to 2 supported devices at a time.

On the other hand,Netflix Basic account customers are allowed to watch shows in HD and download shows for offline viewing on only 1 supported device at a time.

8. You can add a new Netflix account to your bill through CH 741 or clicking the Netflix button on the remote control. Please enter the email address you would like to use for Netflix subscription and ensure the Billing partner is Astro.

If you would like to transfer your existing Netflix Account to be charged under Astro bill, please follow the steps below:

- Cancel your existing subscription with Netflix

- Once the remaining duration of your existing subscription has ended, you may proceed to subscribe for Netflix via Astro bill

- To subscribe, go to CH 741 and enter the email address used for your previous subscription with Netflix

- Once successfully completed, all existing settings and watching history on your Netflix account will be brought over

9. I have added a Netflix account to my Astro bill. Do I need to perform any activation?

By adding a Netflix account to your Astro bill, your Netflix account is already activated. No additional steps for activation are required.

10. When I create a new Netflix account to link to my Astro Bill, will I lose all my current watching history in Netflix?

You may retain your watch history and settings of your existing Netflix account by using the same email of your Netflix account during the linking of your Netflix account with Astro.

11. I forgot my Netflix username or password. How do I find my username or reset my password?

If you have forgotten your username or password, you may follow the steps below:

Step 1. Go to netflix.com

Step 2:Click on Sign In

Step 3:Click on “Need Help” to reset password

12. I forgot which Netflix account is associated with my Astro Account. How do I find that out?

You can recover your Netflix login here or at astro.com.my/Netflix

Step 1:Head to astro.com.my/Netflix

Step 2: At the FAQ section look for “How to recover my Netflix login email and password”

Step 3: Login with Astro ID

Step 4:Proceed to Netflix.com for account recovery

13. What will happen to my Netflix account if I cancel my Astro service or change my Astro package?

If your existing Netflix account is linked with your Astro subscription, your Netflix account will resume on the previous method of payment. If you linked a new Netflix account with your Astro subscription, cancelling Astro service will also cancel your Netflix account.

14. What happens to my Netflix account if I move to a new address?

There will be no changes to your Netflix account when you move to a new address.

15. How do I cancel Netflix?

If you are subscribed to Netflix via a bundle, Netflix comes by default as part of your entitlement.

If you are subscribed to Netflix as an a-la carte, the cancellation of Netflix can only be done via Netflix’s Website, etc. This change will reflect in your next bill.

From mid-December 2021 you may also cancel Netflix add-on through Astro Call Center.

16. I would like to change the Netflix account linked to my Astro pack. What should I do?

Please visit http://help.netflix.com to call or start a live chat with Netflix’s customer support agents. You will be assisted to unlink your Netflix account from your Astro subscription. After the process, you may link another Netflix account to your Astro subscription.

17. Will Netflix be automatically added to my Astro subscription?

Astro subscribers will have the freedom to subscribe to Netflix via Astro, or they may also choose to continue subscribing via Netflix directly on their own.

18. Will Astro censor Netflix content?

Absolutely not. Astro wants to give our members the convenience of having all their favourite series, exciting originals, vernacular signatures, live sports and local blockbuster movies all in one place.

19. I have signed up for two (2) or more main Astro subscriptions bundled with Netflix. Will I be entitled for multiple Netflix subscriptions?

Yes. You are entitled to separate Netflix accounts for each main Astro subscription e.g. If you have subscribed to Entertainment Plus, Platinum Pack, etc separately. Therefore, if you have more than one main Astro subscription with Netflix, you may choose to create multiple email addresses to activate each respective Netflix subscription. Please follow the steps provided to you via email/SMS in order to activate your Netflix subscriptions on the website.

20. Why should I subscribe to a Netflix on Astro vs direct subscription via the Netflix app?

- With numerous OTT entrants, consumers are suffering from subscription fatigue. In fact, they are looking for a one stop shop platform where OTT services are integrated in one place.

- Astro offers flexibility and convenience with new packs where customers can get the convenience of accessing a variety of content via Ultra Box as the single remote-control solution.

- In addition, there will be cost savings for Astro customers to purchase both Netflix and Astro together. Even better deals are available if customers also subscribe to broadband for a better-connected experience.

Kami ingin menasihati anda untuk membuat pembayaran sebelum bil bulan berikutnya dihasilkan supaya tontonan anda tidak akan terganggu. Harap maklum bahawa caj sehingga RM20 (tidak termasuk tax kerajaan) boleh dikenakan jika anda ingin menyambung semula langganan anda, kecuali bagi pelanggan Komersial & Hotel.

Ketahui lebih lanjut tentang bayaran penyambungan di sini.

Untuk pelanggan yang mahukan invois cukai fizikal dicetak semula, kadar bayaran rata sebanyak RM10.00 akan dikenakan, sebagai proses yang telah dilaksanakan sejak 2015.

Yes, the iQIYI app is accessible globally. However, the content of the app might differ depending on the country which will be tailored based on local content rights and market preferences.

Yes, you can download selected content on the Viu mobile app for offline viewing at a later time
if you are a Viu Premium member. To view all the shows you have downloaded, please click on
the “download (downwards arrow)” button at the Home Page.

If you're still having trouble activating your Prime Video subscription, please reach out to Astro Customer Service for help:

1. Sending a WhatsApp message with "Hi" to 03-9543 3838 for assistance.
2. www.astro.com.my/contactus/form

Yes, your information will still be available in the HBO Max app if you choose to sign in using the same email address as your current Astro login.

BYOND / PVR / Ultra Box

Untuk penanggalan SAHAJA - PERCUMA

Untuk pemasangan SAHAJA - RM65

Untuk penanggalan & pemasangan - RM65

Broadband / IPTV

Pemindahan dalam tempoh 6 bulan permulaan kontrak akan dikenakan bayaran pemindahan RM500.00, dan kontrak akan diperbaharui kepada kontrak baru 24 bulan.

Pemindahan selepas 6 bulan kontrak bermula, kontrak akan diperbaharui kepada kontrak baru 24 bulan.

Nota Untuk Pelanggan IPTV:

1. Dengan permintaan pemindahan, semua pelanggan IPTV akan ditukar kepada perkhidmatan Astro & Broadband kami. Pelanggan boleh memilih untuk mendapatkan perkhidmatan Astro standard dengan piring satelit, atau unicast Plug & Play tanpa piring satelit.

2. Jika pelanggan memilih untuk memiliki piring satelit, tambahan RM150.00 akan dikenakan untuk pemasangan satelit. Jika pelanggan memilih untuk mempunyai perkhidmatan unicast Plug & Play, piring satelit tidak diperlukan, oleh itu tiada caj tambahan akan dikenakan.

*Sila ambil perhatian bahawa caj tambahan mungkin dikenakan jika proses pemasangan semula memerlukan kabel/pemasangan tambahan.

SecureGo hanya boleh dipautkan kepada satu (1) peranti untuk setiap nombor Astro ID untuk tujuan keselamatan. Ini membantu mengelakkan penipuan berkaitan penjejasan nombor ID anda atau penggunaan peranti lain untuk mendaftarkan SecureGo dengan ID anda.

Kami sedang bekerjasama dengan pasukan Sony untuk memastikan anda dapat menikmati saluran 4K UHD ini dalam masa terdekat. Kami akan memaklumkan kepada anda sebaik sahaja saluran-saluran ini tersedia.

Astro X3 allow up to 2 concurrent streams at the same time, shared across your registered devices. If you’d like to enjoy more simultaneous viewing, you can add GO+ to increase to up to 4 concurrent streams for RM5.99 per month (exclusive of SST). While streaming is flexible across devices, only one Smart TV can be used at a time. The remaining streams can be used on mobile or other supported devices via Astro GO.

Mulai 21 Jun 2022, semua pendaftaran digital baharu untuk pek TV di astro.com.my kini akan menyertakan akses kepada apl Astro GO dalam masa sejam selepas pembayaran yuran langganan bulan pertama anda (tidak termasuk cukai). Pasang apl pada telefon pintar, tablet atau komputer anda dan anda boleh mula menstrim walaupun sebelum kotak Astro anda tiba!

Please perform the following checks and troubleshooting steps:

1. Check if your TV supports the Astro app.
The Astro app is generally available on selected:

• Android TV / Google TV
• Samsung Smart TV (selected models)
• LG Smart TV (selected models)

Kindly check that your Smart TV supports the Astro Smart TV app (kindly refer here).
If your TV uses a different operating system (e.g., older proprietary OS), the Astro app may not be available.


2. Update your TV software.
Go to: Settings → Support → Software Update
Install any available updates, then restart the TV and try again.


3. Search the correct app store.

• Samsung: Apps
• LG: LG Content Store
• Android/Google TV: Google Play Store

Search for "Astro" or "Astro GO" (depending on your region and service availability).

4. If your TV's region is set incorrectly, certain apps may not appear.
Look under: Settings → General → Location/Region
Ensure it matches your actual country.

If you are still having issues, proceed to submit report via WhatsApp or Feedback Form and provide:

• Astro ID use
• Smart TV model
• OS version
• Error reported on device

This will help our support team investigate and assist you further.

Moving forward, all customers on any Bundle which includes Movies Pack, those with the Movies Add‑On, customers subscribed to the HBO Pack Add‑On, as well as customers on the Astro One Epic Pack who wish to continue enjoying HBO content can subscribe to the HBO Max app as an ala carte add‑on via Astro from RM24.90/month.

Astro Quick Pay ialah kaedah mudah untuk menyemak Ringkasan Bil anda, Status Akaun dan membayar bil Astro mengikut keselesaan anda dengan pembayaran segera, terus dari rumah.

Namun, anda hanya boleh bayar bil terkini melalui Astro Quick Pay.

Untuk melihat sejarah pembayaran penuh, muat turun penyata, dan urus semuanya dalam satu tempat, muat turun aplikasi My Astro app.

Ultra Box dengan Kontrak:

Pelanggan Astro berhak mendapat waranti pengilang selama dua (2) tahun dan waranti Pemasangan. Dalam tempoh ini, perkhidmatan selepas jualan adalah percuma. Walau bagaimanapun, apabila tempoh waranti anda tamat, semua perkhidmatan selepas jualan tertakluk kepada caj perkhidmatan minimum bermula daripada RM65 termasuk 8% Cukai Perkhidmatan.

Dekoder Lain/ Ultra Box Tanpa kontrak:

Pelanggan Astro berhak mendapat waranti pengilang satu (1) tahun dan waranti Pemasangan (6) bulan. Dalam tempoh ini, perkhidmatan selepas jualan adalah percuma. Walau bagaimanapun, apabila tempoh jaminan Pemasangan anda tamat, semua perkhidmatan selepas jualan adalah tertakluk kepada caj perkhidmatan minimum bermula dari RM65 termasuk cukai perkhidmatan 8%.

Bayaran untuk langganan perkidmatan Astro tidak akan meningkat. Walau bagaimanapun, Cukai Perkhidmatan yang dinaikkan daripada 6% kepada 8% akan menyebabkan peningkatan pada kesuluruhan jumlah bayaran.

Tidak, kami tidak dapat memproses jika permintaan dari pihak ketiga. Walau bagaimanapun, anda boleh mengemukakan dokumen-dokumen sokongan (contoh: surat kebenaran, sijil kematian, salinan kad pengenalan pihak ketiga) sekiranya pihak ketiga ingin membuat permohonan penamatan akaun bagi pihak pemegang akaun.