Latest Bank Deposit Interest Rates from BRI, Mandiri and BNI as of 22 May 2026

Jakarta, CNBC Indonesia - As May 2026 enters its third week, bank deposits remain among the preferred investment instruments for people prioritising safety and predictable returns. Based on the latest monitoring of each bank’s website up to Friday, 22 May 2026, state-owned banks (BUMN) such as Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), and Bank Mandiri have kept their deposit interest rates unchanged from the period in recent times. The offering does not align with Bank Indonesia’s decision on Wednesday, 20 May 2026, to raise its policy rate (BI Rate) to 5.25%, thereby tightening bank liquidity amid the continuing weakening of the Rupiah driven by higher global oil prices following the Iran–US conflict. Deposits are considered highly secure from market fluctuations and are insured by the Deposit Insurance Corporation (LPS) with the guaranteed rate currently at 3.50%.

Suku Bunga Deposito Bank Rakyat Indonesia (BRI)

Bank Rakyat Indonesia, or BRI, offers access to opening a deposito with a minimum initial deposit of Rp 1 million via online banking, and Rp 10 million if customers open through a physical branch.

As of May 2026, BRI’s yields are particularly attractive for short-term placements. For a 1‑month tenor, the interest rate ranges from 3.25% to 3.35%, depending on the deposit amount.

The highest rate is offered on a 3‑month tenor, reaching 3.50% uniformly. For medium to longer tenors — 6, 12, 24 and 36 months — BRI sets a constant rate of 3.00%.

Suku Bunga Deposito Bank Negara Indonesia (BNI)

For those looking to place funds with Bank Negara Indonesia, the minimum deposit is Rp 5 million.

BNI’s May 2026 policy shows a uniform rate across all deposit categories. The base rate is 2.25% for a 1‑month tenor,

rising to 2.50% for a 3‑month tenor. The maximum yield is offered for a 6‑month tenor at 2.75%,

and for 12 and 24 months the rate remains at 2.50%.

Suku Bunga Deposito Bank Mandiri

Bank Mandiri also offers easy opening of deposit accounts. Deposits can be opened with a minimum of Rp 1 million via the Livin’ by Mandiri app, or Rp 10 million for deposits made at a branch.

As observed at the end of May, Mandiri maintains a rate of 2.25% for short tenors of 1 and 3 months.

For longer tenors — 6, 12 and 24 months — the yield remains fixed at 2.50% across all deposit amounts.

Stabilitas Investasi Perbankan ke Depan

The stability of deposit rate offerings by the state‑owned banks is seen to bolster the appeal of the domestic banking sector amid global uncertainty.

By prioritising fund safety through LPS protection and predetermined yields at the outset of the agreement, deposits at BUMN banks remain a reliable asset‑protection instrument.

Analysts expect the banking sector to continue adjusting their rate strategies by monitoring inflation trends and market liquidity in the second quarter of 2026, ensuring depositors retain a safe option for short‑ to medium‑term financial management.

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CNBC INDONESIA RESEARCH