What Qualifies as a Dormant Bank Account? Major Banks' Rules Explained

TEMPO.CO, Jakarta - The Financial Transaction Reports and Analysis Center (PPATK) announced that it will temporarily block bank accounts that have entered a dormant phase or are considered inactive. The measure is intended to prevent the misuse of financial data.

“PPATK is temporarily suspending transactions on several dormant accounts in accordance with Law Number 8 of 2010,” the agency wrote on its Instagram account @ppatk_indonesia on Wednesday, July 23, 2025.

According to PPATK, dormant or inactive accounts include savings, current, or rupiah/foreign currency accounts that have not been used for any transactions over a certain period, typically between 3 and 12 months. However, specific criteria for dormant status may vary depending on each bank’s policies.

So, what are the rules regarding dormant accounts at several Indonesian banks?

BRI

PT Bank Rakyat Indonesia (Persero) Tbk, or BRI, classifies an account as dormant after 180 days of no transactions, regardless of the account balance. This applies to both credit and debit transactions, excluding administrative and card fees. Once an account reaches this threshold, its status changes to passive.

Savings products affected by this rule include Tabungan BRI Simpedes, Simpedes BISA, Simpedes Usaha, BritAma Umum, BritAma Bisnis, BritAma Prioritas, BritAma Mitra, BritAma DHE, and BritAma Junio.

BNI

PT Bank Negara Indonesia (Persero) Tbk, or BNI, considers an account dormant if there are no debit or credit transactions for six consecutive months, aside from system charges like administrative fees. This applies regardless of the account balance.

For BNI Simpanan Pelajar accounts, dormancy begins after 12 months of inactivity.

BTN

PT Bank Tabungan Negara (Persero) Tbk, or BTN, marks savings accounts as dormant if there are no transactions for six months. Dormant accounts may also incur penalties. For instance, BTN Tabunganku accounts are charged Rp2,000 per month once inactive.

BCA

PT Bank Central Asia Tbk, or BCA, designates accounts as dormant if there are no transactions for six months. For BCA TabunganKu accounts, a minimum balance of Rp10 million is also required to avoid dormancy.

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