Balé by BTN Users Surpass 5 Million as Transactions Reach Rp103.53 Trillion
JAKARTA — The number of users of the Balé by BTN app surpassed 5.02 million by September 2026. Alongside this user growth, transactions through the digital services of state-owned PT Bank Tabungan Negara (Persero) Tbk (BTN) reached 2.23 billion, up 46 per cent year on year.
The value of transactions through Balé by BTN stood at Rp103.53 trillion, an increase of 44 per cent compared with the same period a year earlier. The number of registered users grew by 51 per cent year on year.
BTN President Director Nixon LP Napitupulu said the achievement was part of the bank’s efforts to modernise its banking services and strengthen its digital transaction business.
“The achievement of five million users is something we can be proud of. In around a year and a half since its launch, Balé by BTN has become an important part of BTN’s modernisation,” Nixon said in a written statement on Tuesday (13 October 2026).
Balé by BTN was launched on 6 March 2025. The app now has more than 764 features, ranging from banking transactions to transport ticket purchases, hotel bookings, mobile credit and data packages. BTN has also developed Balé Properti, a service to help people find homes and access housing finance.
The growth of these digital services has also supported BTN’s business. By September 2026, savings deposits raised through BTN’s digital ecosystem had increased by 30 per cent year on year. Fee-based income grew by 42 per cent.
Nixon said BTN would focus on increasing user activity so that growth in its digital customer base would make a greater contribution to the bank’s business.
“After the user base has grown, the challenge is how we optimise users, transactions and the ecosystem so they deliver greater benefits to customers while contributing to BTN’s business growth,” Nixon said.
BTN will also strengthen the security of its digital services as transactions increase. Nixon said technological improvements need to go hand in hand with educating customers about transaction security.