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About BTN
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Deposito BTN Ritel Rupiah

Elevate Your Private Lifestyle and Banking Experience

Exclusive savings solutions for your family with convenience and peace of mind in every daily transaction

Various Conveniences to Support Your Lifestyle

Easy Transaction

Comprehensive transaction services for all your daily and business needs

BTN E-Channel

Enjoy comprehensive digital banking services (balé by BTN & balé bisnis)

Flexible Transactions

Exclusive access with a VISA ATM card for transaction flexibility

balé Poin

Earn balé Poin for a more personalized reward experience

Various BTN Rewards

Provide benefits with various choices for Private customers

Easy Transaction

Comprehensive transaction services for all your daily and business needs

BTN E-Channel

Enjoy comprehensive digital banking services (balé by BTN & balé bisnis)

Flexible Transactions

Exclusive access with a VISA ATM card for transaction flexibility

balé Poin

Earn balé Poin for a more personalized reward experience

Various BTN Rewards

Provide benefits with various choices for Private customers

Savings Interest Rate

Account Opening

Counter interest rate following applicable regulations, effective as of December 15, 2025
Balance Strata Time Period
1 Month 2 Months 3 Months 4 Months 6 Months 12 Months 24 Months
< IDR 5.000.000,- 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
≥ IDR 5.000.000,-
to
< IDR 10.000.000,- 		1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
≥ IDR 10.000.000,-
to
< IDR 100.000.000,- 		2.25% 2.25% 2.50% 2.50% 2.50% 2.50% 2.50%
≥ IDR 100.000.000,-
to
< IDR 500.000.000,- 		2.25% 2.25% 2.50% 2.50% 2.50% 2.50% 2.50%
≥ IDR 500.000.000,-
to
≤ IDR 2.000.000.000,- 		2.25% 2.25% 2.75% 2.75% 2.75% 2.75% 2.75%
> IDR 2.000.000.000,- 2.25% 2.25% 2.75% 2.75% 3.00% 3.00% 3.00%
Counter interest rate following applicable regulations, effective as of December 15, 2025
Balance Strata Time Period
1 Month 2 Months 3 Months 4 Months 6 Months 12 Months 24 Months
≥ IDR 1.000.000,-
to
< IDR 5.000.000,- 		1.00% 1.00% 1.00% 1.00% 1.00% 1.00% 1.00%
≥ IDR 5.000.000,-
to
< IDR 100.000.000,- 		2.60% 2.75% 3.00% 3.00% 3.00% 3.00% 3.00%
≥ IDR 100.000.000,-
to
< IDR 500.000.000,- 		2.65% 2.75% 3.25% 3.25% 3.25% 3.25% 3.25%
≥ IDR 500.000.000,-
to
< IDR 2.000.000.000,- 		3.50% 3.50% 3.50% 3.50% 3.50% 3.40% 3.40%
≥ IDR 2.000.000.000,-
to
≤ IDR 5.000.000.000,- 		3.75% 3.75% 3.75% 3.75% 3.75% 3.40% 3.40%
≥ IDR 5.000.000.000,-
to
≤ IDR 10.000.000.000,- 		3.75% 3.75% 3.75% 3.75% 3.75% 3.50% 3.50%
> IDR 10.000.000.000,- 3.75% 3.75% 3.75% 3.75% 3.75% 3.60% 3.60%


Fee Type Fee
Initial deposit IDR 200,000
Minimum balance IDR 10,000
Minimum subsequent deposit IDR 10,000
Fee Type Fee
Initial deposit Free
Minimum balance IDR 10,000
Minimum subsequent deposit IDR 10,000


Fee Type Fee
Administration fee IDR 12,500 per month
Minimum balance penalty IDR 5,000 per month
Account closing fee IDR 50,000
Lost/damaged passbook replacement fee IDR 15,000
Passive account fee IDR 5,000 per month
Current account printing fee IDR 5,000 per sheet
ATM card replacement fee IDR 15,000
Fund withdrawal fee at the counter
  • Nominal amount
    <IDR 5,000,000: IDR 5,000-
  • Nominal amount
    IDR 5,000,000 to IDR 10,000,000: IDR 10,000
View Other Service Fees
Fee Type Fee
Administration fee IDR 2,000 per month
Minimum balance penalty IDR 5,000 per month
Account closing fee IDR 50,000
Lost/damaged passbook replacement fee IDR 15,000
Passive account fee IDR 5,000 per month
Current account printing fee IDR 5,000 per sheet
ATM card replacement fee IDR 15,000
Fund withdrawal fee at the counter
  • Nominal amount
    <IDR 5,000,000: IDR 5,000-
  • Nominal amount
    IDR 5,000,000 to IDR 10,000,000: IDR 10,000
View Other Service Fees

Terms & Conditions

via BTN Branch Office (Offline)

  • Accounts can be valid for Indonesian Citizens (WNI) and Foreign Citizens (WNA)

  • Can be used for institutional customers

  • Individual and institutional customers can open an account and are fully responsible for all obligations of the account

  • It is mandatory to attach the required documents

  • Accounts are declared active and used effectively after being approved and activated by the Bank in accordance with applicable regulations

via balé by BTN (Online)

  • Accounts can be valid for Indonesian Citizens (WNI) and Foreign Citizens (WNA)

  • Customers are required to have Tabungan BTN Batara as the parent account and have activated balé by BTN

  • The source of funds and disbursement can come from Tabungan BTN Batara, Tabungan BTN Felas, or Giro Perorangan in the same account

  • Customers can open an account and are fully responsible for all obligations of the account

  • The account is declared active and can be used after being approved and activated by the Bank following applicable provisions

Find Out More Information

How to Register

via BTN Branch Office (Offline)

  • 1

    Prepare Documents and Funds

    Customers can prepare complete documents and the first deposit of IDR 200,000.

  • 2

    Visit BTN Branch Office/Open Account

    Customers can visit the nearest BTN Branch Office or through BTN Open Account to process the account.

  • 3

    Fill Out the Form

    Customers fill out the form provided and submit the required documents.

  • 4

    Account Activation Successful

    Customers can follow the procedures directed by customer service until Tabungan BTN Batara can be used.

via balé by BTN (Online)

  • 1

    Login to balé by BTN

    Customers login to their balé by BTN account.

  • 2

    Choose Savings Type

    Customer selects Tabungan BTN Batara.

  • 3

    Choose Fund Source Account

    Customers choose the account that will be used as the source of initial deposit funds.

  • 4

    Enter the Initial Deposit Amount

    Customers fill out the initial deposit amount of IDR 200,000. Then, click Next and enter MPIN.

  • 5

    Account Activation Successful

    Tabungan BTN Batara can be used effectively for your transactions.

Find Answers to Your Questions

What interest rate does Deposito BTN Ritel Rupiah offer?
Deposito BTN Ritel Rupiah offers interest rates ranging from 0.00% to 3.6% according to the balance strata set.

How do I open Deposito BTN Ritel Rupiah?
Deposito BTN Ritel Rupiah can be opened through BTN Branch Offices and balé by BTN.

What documents are required to apply for Deposito BTN Ritel Rupiah?
The documents required for Indonesian citizens are ID Card and NPWP, while those required for foreigners are Passport and KITAS/KITAP.

News and Information

Consult with Private Banker Relationship Manager to Manage Your Wealth

Deposito BTN Ritel Valas

Tabungan BTN Felas