Product & Service

Current Account

An accounts which gives interest equivalent to that of time deposit aginst which checks can be drawan by the account depositor.

  • Free cheque book and transfer fee (LLG & RTGS).
  • Similar interest rate with that of time deposit.
  • Accessible via Corporate Internet Banking (Free hard token with minimum initial balance of IDR. 5 million).
  • Initial deposit of merely IDR 1 million (for personal account) and IDR 2 million (for corporate account).
  • Personal service by Relationship Manager.

Features

Interest Rates*

Tier Interest Rate*
Rp1 million – < Rp100 million 0.25%
Rp100 million – < Rp500 million 1.75%
IDR 500 million – < Rp5 billion 2.50%
IDR 5 billion – < Rp 50 billion 3.00%
≥ Rp50 billion 3.50%

*Effective on 26th August 2025, it may change at any time.

Number of transfers and cheque books that are exempted from fee:

Average monthly balance Free SKN fee* Free RTGS fee* Bebas biaya transfer BI-FAST* Free cheque book
Current account holders without Internet Banking
Rp1 million - < Rp100 million           – – 10x (Minimum saldo akhir hari transaksi Rp10 Juta) 1
Rp100 million - < Rp500 million Unlimited 10 x 2
Rp500 million - < Rp5 billion Unlimited 40 x 3
Rp5 billion - < Rp50 billion Unlimited 50 x 4
Rp50 billion Unlimited 60 x 5
Current account holders with Internet Banking
Rp1 million - < Rp100 million           – 0 15x (Minimum saldo akhir hari transaksi Rp10 Juta) 1
Rp100 million - < Rp500 million Unlimited 20 x 2
Rp500 million - < Rp5 billion Unlimited 60 x 3
Rp5 billion - < Rp50 billion Unlimited 80 x 4
Rp50 billion Unlimited 100 x 5

          *Using the cashback method.

Summary of Product Information and Service - Current Account