PT Bank Tabungan Negara (Persero) Tbk (BTN) has officially launched its mega-promotional campaign, BTN Festiversary 2026, anchoring the initiative around its core corporate milestone theme, "True Commitment to Serve the Nation." Running from February 9 to 28, 2026, the nationwide program marks the bank's 76th anniversary by rolling out aggressive home financing rates and extensive lifestyle benefits for both new and existing customers.
As the centerpiece of the anniversary celebration, the country’s leading housing finance specialist is introducing a substantial stimulus package. The lender has lowered its introductory interest rates for Home Ownership Loans (KPR) and Home Equity Loans (KAR) to start from 2.65 percent. To further ease the upfront financial burden for prospective homeowners, the bank has also implemented a massive 76 percent discount on administrative and provision fees.
Beyond its core property segment, the bank is actively expanding its beyond mortgage ecosystem to integrate directly into the daily consumer retail market. By utilizing the bank's digital platform, Balé by BTN, alongside its QRIS networks, credit cards, and debit cards, customers can access exclusive promotional pricing at various leading culinary chains. These offers include flat rates of IDR 76 at popular food and beverage outlets such as Chatime, Ban Ban, Beard Papa's, and Hop Hop, as well as an IDR 7,600 promotional tier at Yoshinoya, Shihlin, Burger King, Popeyes, and Point Coffee. A direct discount of up to IDR 50,000 is also available for transactions at Solaria.
To mark the milestone, BTN has collaborated with elite strategic partners including KAI, Garuda Indonesia, Whoosh, Traveloka, Tiket Wisata MKP, Dwidaya Tour, Panorama, and JTB Corporation to deliver premium experiences for its Priority and Private banking segments. The alliance features travel ticket subsidies of up to IDR 760,000 and integrated premium holiday packages valued at IDR 7.6 million. Furthermore, high-net-worth customers are eligible for an additional IDR 500,000 voucher for luxury accommodations at Grand Hyatt Jakarta and Keraton at The Plaza.
Through Corporate Secretary Ramon Armando, BTN management explained that the Festiversary 2026 framework reflects the bank's consistency in remaining closely connected and highly relevant to the public. The leadership emphasized the bank's long-term commitment to delivering comprehensive, innovative, and value-oriented financial solutions designed to provide an optimal banking experience for all consumers.
In a bid to accelerate national digital financial inclusion, the lender is offering onboarding incentives for individuals opening new accounts via the Balé by BTN application. These rewards comprise MAP or Indomaret e-vouchers worth up to IDR 250,000, a bonus of 76,000 Balé Points, and direct savings balance rewards. The digital platform also extends promotions of up to IDR 76,000 for e-wallet top-ups, routine bills, and home appliance purchases at major retail stores including Informa, AZKO, and IKEA.
The comprehensive integration of the Festiversary program is ultimately positioned by BTN management as a strategic instrument to strengthen public economic competitiveness and expand domestic retail market penetration, while serving as the highest form of appreciation for the customers who have supported the bank throughout its 76 years of service to the nation.
