Entering August 2026, bank time deposits remain one of the favoured\ninvestment instruments for Indonesians who prioritise security and\ncertainty of returns amid an increasingly real higher-for-longer\nera.<\/p>\n
Rate hikes by the European Central Bank, the Bank of Japan and\nseveral other central banks are expected to drive an overall upward\ntrend in global interest rates should inflation continue to climb.<\/p>\n
Based on the latest monitoring of the respective banks\u2019 websites as\nof Monday (2\/8\/2026), state-owned banks (BUMN) such as Bank Rakyat\nIndonesia (BRI), Bank Negara Indonesia (BNI) and Bank Mandiri have\nmaintained their deposit rates without any change from recent\nperiods.<\/p>\n
These offers have remained unchanged since Bank Indonesia\u2019s decision\nin June to raise rates by an aggregate of 100 basis points, one of the\nmost extreme rate increases in the central bank\u2019s history.<\/p>\n
That tightening is expected to squeeze banking liquidity as the\nRupiah continues to weaken and yields on government bonds (SBN) rise,\ndriven by higher global oil prices following the Iran\u2013US war, whose\nplanned peace settlement ultimately fell through.<\/p>\n
Deposits are also considered highly safe from market fluctuations,\nwith customer funds guaranteed by the Deposit Insurance Corporation\n(LPS) at a coverage rate currently set at 3.75%, up from 3.50%\npreviously.<\/p>\n
Bank Rakyat Indonesia (BRI) Deposit Rates<\/p>\n
Bank Rakyat Indonesia, or BRI, offers deposit accounts with an\ninitial deposit starting from Rp 1 million via internet banking, and Rp\n10 million if opened at a physical branch.<\/p>\n
As of August 2026, BRI is recorded as offering fairly attractive\nreturns, particularly for short-term placements. For a one-month tenor,\nthe interest rate stands at 3.25%, depending on the deposit amount.<\/p>\n
The highest rate is offered on the three-month tenor, reaching 3.50%\nacross the board. For medium to long terms of 6, 12, 24 and 36 months,\nBRI sets a constant rate of 3.00%.<\/p>\n
Bank Negara Indonesia (BNI) Deposit Rates<\/p>\n
For those interested in placing funds with Bank Negara Indonesia, or\nBNI, the minimum deposit requirement is quite affordable, starting from\nRp 5 million.<\/p>\n
BNI\u2019s deposit rate policy as of August 2026 shows a uniform\npercentage across all deposit amount categories. BNI sets a base rate of\n2.25% for one-month placements.<\/p>\n
That figure rises to 2.50% for three-month tenors. The maximum yield\nat BNI is offered for six-month deposits, reaching 2.75%.<\/p>\n
Meanwhile, for tenors of 12 and 24 months, the rate returns to a\nstable 2.50%.<\/p>\n
Bank Mandiri Deposit Rates<\/p>\n
Bank Mandiri also provides easy options for opening deposit accounts.\nPlacements can start from Rp 1 million via the Livin\u2019 by Mandiri app, or\nRp 10 million for customers depositing directly at a branch office.<\/p>\n
Based on monitoring at the end of this month, Bank Mandiri has kept\nits rate at 2.25% for short-term deposits of one and three months.<\/p>\n
For customers planning longer placements of 6, 12 and 24 months, the\nbank offers a fixed return of 2.50%, applicable uniformly across all\ndeposit amounts.<\/p>\n
Stability of Banking Investment Ahead<\/p>\n
The stability of deposit rate offers by these state-owned banks is\nseen as strengthening the appeal of the domestic banking sector in the\nface of global uncertainty.<\/p>\n
By prioritising the security of funds through LPS protection and\nreturns that are fixed from the outset of the agreement, deposits at\nBUMN banks remain a reliable asset-protection instrument.<\/p>\n
Analysts expect the banking sector to continue adjusting its interest\nrate strategies in line with inflation trends and market liquidity in\nthe second quarter of 2026, so customers will continue to have safe\nfinancial management options for short to medium-term needs.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/latest-deposit-interest-rates-at-bank-mandiri-bni-and-bri-as-of-3-august-2026-1785725458", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }