BTN Retail Rupiah Deposits: Safe and Profitable Investment

Q: What interest rate does Deposito BTN Ritel Rupiah offer?

Deposito BTN Ritel Rupiah offers interest rates ranging from 2.35% to 4.90% according to the balance strata set.

Q: How do I open Deposito BTN Ritel Rupiah?

Deposito BTN Ritel Rupiah can be opened through BTN Branch Offices and BTN Mobile

Q: 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.

Deposito BTN Ritel Rupiah

Convenience of term investment in rupiah with competitive interest rates and deposit and withdrawal system at certain times

Basic Deposit Interest

The convenience of deposit interest that can be capitalized into the principal

Flexible Deposit Interest

Deposit interest can be transferred for various payments

Credit Collateral

Deposits can be used as collateral for credit (Self-funded Credit)

Have Bilyet Deposito

Get an official deposit certificate (certificate) provided officially

Competitive Interest Rate

Enjoy attractive and competitive interest rates for investment

Minimum Service Fees

Enjoy affordable and competitive deposit service fees

Basic Deposit Interest

The convenience of deposit interest that can be capitalized into the principal

Flexible Deposit Interest

Deposit interest can be transferred for various payments

Credit Collateral

Deposits can be used as collateral for credit (Self-funded Credit)

Have Bilyet Deposito

Get an official deposit certificate (certificate) provided officially

Competitive Interest Rate

Enjoy attractive and competitive interest rates for investment

Minimum Service Fees

Enjoy affordable and competitive deposit service fees

Savings Interest Rate

ⓘ Fees paid by borrowers to lenders within a certain period.
ⓘ Fees charged by banks to customers regarding deposits of funds.
ⓘ Fees paid by customers for certain services provided by the bank.

e'Deposito Rupiah Ritel (Offline melalui Kantor Cabang)

Counter interest rate following applicable regulations, effective as of October 1, 2025

Balance Strata	1 Month	2 Months	3 Months	4 Months	6 Months	12 Months	24 Months
< IDR 1.000.000,-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
≥ IDR 1.000.000,- 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%	2.40%	2.65%	2.65%	2.90%	2.90%	2.90%
≥ IDR 100.000.000,- to < IDR 500.000.000,-	2.40%	2.40%	2.90%	2.90%	3.05%	3.05%	3.05%
≥ IDR 500.000.000,- to ≤ IDR 2.000.000.000,-	2.40%	2.40%	2.90%	2.90%	3.05%	3.05%	3.05%
> IDR 2.000.000.000,-	2.40%	2.40%	2.90%	2.90%	3.05%	3.05%	3.05%

Deposito Rupiah (Offline through Branch Offices)

Counter interest rate following applicable regulations, effective as of September 15, 2023

Balance Strata	1 Month	2 Months	3 Months	4 Months	6 Months	12 Months	24 Months
< IDR 100.000.000,-	2.60%	2.75%	3.00%	3.00%	3.25%	3.25%	3.25%
≥ IDR 100.000.000,- to < IDR 500.000.000,-	2.65%	2.75%	3.25%	3.25%	3.40%	3.40%	3.40%
≥ IDR 500.000.000,- to < IDR 2.000.000.000,-	4.25%	4.25%	4.40%	4.50%	4.65%	3.40%	3.40%
≥ IDR 2.000.000.000,- to < IDR 5.000.000.000,-	4.50%	4.50%	4.65%	4.80%	4.90%	3.40%	3.40%
≥ IDR 5.000.000.000,- to < IDR 10.000.000.000,-	4.60%	4.60%	4.80%	4.90%	5.00%	3.50%	3.50%
≥ IDR 10.000.000.000,-	4.70%	4.70%	5.00%	5.00%	5.00%	3.60%	3.60%

Fee Type	Fee
Minimum placement	Rp5.000.000,-

Fee Type	Fee
Bill of exchange fee	IDR 3.000,-
Opening stamp fee	IDR 10.000,-
Closing stamp fee	IDR 10.000,-
Early withdrawal penalty (before maturity)	0.5% of the deposit value of the current interest not paid (forfeited)

Terms and Conditions

via BTN Branch Office (Offline)

Accounts can be valid for Indonesian Citizens (WNI) and Foreign Citizens (WNA)
Customers are required to have Tabungan BTN Batara as the parent account
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
Fill out and sign the account opening form
It is mandatory to attach the required documents
The account is declared active and can be used after being approved and activated by the Bank following 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

How to Register

1

Prepare Documents and Money

Customers can prepare complete documents and the first deposit of IDR 5,000,000
2

Visit the BTN Branch Office

Customers can visit the nearest BTN Branch Office that has been determined to process the deposit
3

Visit the Customer Service

Customers will get further information regarding the deposit through the customer service/funding staff
4

Fill Out the Form

Customers fill out the provided form and submit the required documents
5

Follow the Procedure

Customers can follow the procedures directed by customer service
6

Deposit Opening Successful

Deposito BTN Ritel Rupiah can be used effectively for your transactions

1

Login to Balé by BTN Account

Customers login to their balé by BTN account
2

Choose Deposit Type

Customers choose BTN Retail e-Deposito
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 in the desired placement nominal with a minimum of IDR 1,000,000. Then, click Next and enter MPIN
5

Account Activation Successful

e-Deposito BTN Ritel is now active and can be used