USD 14,875.00 0.00
JPY 117.00 0.01
GBP 18,222.00 0.01
AUD 10,605.00 0.00
HKD 2,048.00 0.00
SGD 10,954.00 0.00
EUR 15,377.00 0.00
MYR 3,498.00 0.00
SAR 4,160.00 0.00
CNY 2,305.00 0.01
Currency Purchasing Price Selling Price
  • USD 14,625.00 14,875.00
  • JPY 105.00 117.00
  • GBP 17,712.00 18,222.00
  • AUD 10,319.00 10,605.00
  • HKD 1,716.00 2,048.00
  • SGD 10,568.00 10,954.00
  • EUR 15,024.00 15,377.00
  • MYR 3,138.00 3,498.00
  • SAR 3,693.00 4,160.00
  • CNY 2,068.00 2,305.00
BTN Contact Us

Tabungan BTN Cermat Educates People

Enjoy many benefits from Tabungan BTN Cermat savings with zero service fees for low income citizens who wants to start saving for life

Tabungan BTN Cermat

Tabungan BTN Cermat is a savings account issued by the bank through bank agents and bank networks appointed by Bank BTN using Kartu Cermat (magnetic stripe card) and EDC for a convenient way to fulfill your financial transactions

Low initial deposit

Free administration charge

Convenient way to purchase and pay your bills

Transaction with nearest branchless banking agent

Convenient ATM transaction (Card base)

Wide ATM coverage

General Information of BTN Cermat Savings Product

1.00% interest without minimum balance




Initial Deposit

IDR 3.000

Minimum Balance


Maximum Deposit

IDR 20.000.000

Minimum Advanced Deposit

Free, does not exceed maximum balance

Maximum Amount of Cash Withdrawals, Transfers, and Book - entry

IDR 5.000.000 per month


Costs may change due to bank’s condition.

Terms and Condition
  • Account applicable for individual Indonesian Citizens or Foreign Citizens
  • Require to submit mandatory documents
  • The account is active after terms and conditions are met and approved by Bank BTN
Services Fee

Service Fee


Account Opening


Administration Fee


Cash Withdrawal


Account Closing

IDR 5.000

Transfer Other Bank






Last 5 (five) Transaction Printing

IDR 2.500


How to Register
  • Complete the documents required and first time deposit funds
  • Visit the nearest Bank BTN outlet, Post Office, or Branchless Banking agent
  • Visit the customer service to open Tabungan BTN Cermat account
  • Fill out the form and submit all the documents
  • Follow all procedures
  • Tabungan BTN Cermat savings account is ready to use
Completeness of Documents
  • Completeness of Personal Documents 
    • Indonesian Citizens ( > 17 year): ID Card/Driver’s License/Passport and Tax ID